Executive Summary
Both IDBI Bank and Yes Bank disclosed provisional Q4 FY26 figures as of March 31, 2026, revealing strong YoY growth in core banking metrics amid the India Banking Regulatory Actions stream, with no explicit RBI penalties or supervisory measures noted. IDBI Bank reported total business up 14% YoY to ₹6,00,536 Cr, deposits +12% YoY to ₹3,46,998 Cr (despite Dec 2025 dip to ₹3,07,858 Cr), CASA +7% YoY to ₹1,54,873 Cr (after Dec decline to ₹1,35,632 Cr), and advances +16% YoY to ₹2,53,538 Cr, signaling Q4 recovery. Yes Bank showed advances +10.7% YoY/+5.8% QoQ to ₹272,454 Cr, deposits +12.1% YoY/+9.0% QoQ to ₹318,970 Cr, and CASA +14.9% YoY/+12.5% QoQ to ₹111,960 Cr (ratio to 35.1% from 34.0% QoQ), though LCR fell to 119.0% QoQ/YoY. IDBI's sentiment is positive (materiality 8/10), Yes mixed (9/10), highlighting resilient deposit mobilization and loan growth averaging ~13% YoY across both. Portfolio-level theme: Indian banks demonstrating operational strength despite provisional status and liquidity dips, positioning for potential re-rating absent regulatory headwinds. Investors gain actionable intelligence on relative outperformance (IDBI advances lead) and audit catalysts.
Tracking the trend? Catch up on the prior India RBI Banking Regulatory Enforcement Actions digest from April 01, 2026.
Investment Signals(12)
- IDBI Bank↓(BULLISH)▲
Total business grew 14% YoY to ₹6,00,536 Cr from ₹5,28,693 Cr, outperforming peers in balanced expansion
- IDBI Bank↓(BULLISH)▲
Deposits up 12% YoY to ₹3,46,998 Cr from ₹3,10,294 Cr despite Dec dip, indicating sustained funding base
- IDBI Bank↓(BULLISH)▲
Net advances rose 16% YoY to ₹2,53,538 Cr from ₹2,18,399 Cr, strongest growth in sample
- IDBI Bank↓(BULLISH)▲
Q4 FY26 recovery in all metrics post interim softness (e.g., CASA from ₹1,35,632 Cr in Dec), signals momentum
- Yes Bank↓(BULLISH)▲
Loans & advances +10.7% YoY from ₹246,188 Cr and +5.8% QoQ from ₹257,451 Cr to ₹272,454 Cr
- Yes Bank↓(BULLISH)▲
Deposits increased 12.1% YoY from ₹284,525 Cr and 9.0% QoQ from ₹292,524 Cr to ₹318,970 Cr, matching IDBI
- Yes Bank↓(BULLISH)▲
CASA deposits +14.9% YoY from ₹97,480 Cr and +12.5% QoQ from ₹99,483 Cr to ₹111,960 Cr, ratio to 35.1% from 34.0% QoQ
- IDBI vs Yes(BULLISH)▲
IDBI advances growth 16% YoY outperforms Yes 10.7% YoY, relative strength in lending
- Both Banks(BULLISH)▲
Average deposit growth 12% YoY (IDBI 12%, Yes 12.1%), stable funding vs sector volatility
- Yes Bank↓(BULLISH)▲
CDR eased to 85.4% from 88.0% QoQ, prudent leverage post high levels
- IDBI Bank↓(BULLISH)▲
Positive sentiment with high materiality 8/10 on provisional strength
- Yes Bank↓(BULLISH)▲
Mixed but bullish CASA trends outweigh LCR dip, materiality 9/10
Risk Flags(8)
- Yes Bank/Liquidity↓[HIGH RISK]▼
LCR declined to 119.0% from 123.8% QoQ and 125.0% YoY, potential strain on short-term assets
- IDBI Bank/Deposits↓[MEDIUM RISK]▼
Total deposits dipped to ₹3,07,858 Cr in Dec 2025 before Q4 recovery to ₹3,46,998 Cr
- IDBI Bank/CASA↓[MEDIUM RISK]▼
CASA declined to ₹1,35,632 Cr in Dec 2025, YoY growth muted at 7% vs Yes 14.9%
- Yes Bank/Provisions↓[HIGH RISK]▼
Net advances as of Mar 31 use Dec 31, 2025 specific provisions, opacity in Q4 coverage
- Both Banks/Provisional[HIGH RISK]▼
All figures provisional and subject to statutory audit/approvals, potential revisions
- Yes Bank/CDR↓[MEDIUM RISK]▼
CDR at 85.4% down from 88.0% QoQ but still elevated vs ideal <80%, lending pressure
- IDBI vs Yes/CASA Gap[MEDIUM RISK]▼
IDBI CASA +7% YoY lags Yes +14.9%, higher cost of funds risk
- Both Banks/Regulatory Stream[HIGH RISK]▼
Filings in RBI enforcement context, watch for undisclosed supervisory measures
Opportunities(10)
- IDBI Bank/Loan Growth↓(OPPORTUNITY)◆
16% YoY advances expansion to ₹2,53,538 Cr leads Yes (10.7%), alpha in lending recovery
- Yes Bank/CASA Momentum↓(OPPORTUNITY)◆
+12.5% QoQ/+14.9% YoY CASA to ₹111,960 Cr lifts ratio to 35.1%, low-cost funding edge
- IDBI Bank/Q4 Recovery↓(OPPORTUNITY)◆
All metrics rebounded post Dec softness (e.g., deposits from ₹3,07,858 Cr), turnaround play
- Both Banks/Deposit Stability(OPPORTUNITY)◆
~12% YoY growth (IDBI 12%, Yes 12.1%) supports NIM, buy on funding strength
- Yes Bank/CDR Optimization↓(OPPORTUNITY)◆
Easing to 85.4% from 88.0% QoQ enables balanced growth without excess leverage
- IDBI Bank/Total Business↓(OPPORTUNITY)◆
14% YoY to ₹6,00,536 Cr, balanced deposits+advances for portfolio overweight
- Relative Performance(OPPORTUNITY)◆
Long IDBI (advances 16% YoY) vs Yes (10.7%), exploit growth divergence
- Sector Absence of Penalties(OPPORTUNITY)◆
No RBI actions in filings despite stream focus, dip-buy resilient banks
- Yes Bank/LCR Dip↓(OPPORTUNITY)◆
119% still >100% regulatory min, rebound potential on asset maturation
- High Materiality(OPPORTUNITY)◆
Yes 9/10, IDBI 8/10 signals market-moving confirmations post-audit
Sector Themes(5)
- Strong Deposit Mobilization(BULLISH IMPLICATION)◆
Both banks achieved ~12% YoY deposit growth (IDBI 12% to ₹3,46,998 Cr, Yes 12.1% to ₹318,970 Cr), bolstering liquidity and NIM stability in Indian banking
- Loan Book Expansion(POSITIVE IMPLICATION)◆
Average 13.4% YoY advances growth (IDBI 16% to ₹2,53,538 Cr leader, Yes 10.7% to ₹272,454 Cr), drives revenue but watch CDR
- CASA Divergence(MIXED IMPLICATION)◆
Yes outperforms with +14.9% YoY vs IDBI +7%, highlights competitive low-cost funding race; IDBI recovery from Dec low
- Liquidity Headwinds Emerging(BEARISH IMPLICATION)◆
Yes LCR -4.8 pts QoQ to 119%, potential sector pressure if replicated; IDBI no LCR data but deposit dip flagged
- Q4 Sequential Strength(BULLISH IMPLICATION)◆
IDBI explicit recovery post-softness, Yes +5.8-12.5% QoQ gains, end-FY26 momentum for FY27
Watch List(8)
Provisional figures subject to audit confirmation, revisions could impact 14-16% YoY growth [Post 2026-04-04]
Figures pending Audit Committee, Board, and Statutory Auditors; monitor provision opacity [Immediate]
- Both Banks/Full Q4 Results👁
Release of audited FY26 Q4 metrics to validate provisional trends [Q1 2026 CY]
Watch if +7% YoY sustains post-Dec ₹1,35,632 Cr dip vs Yes strength [Next quarter]
Track if 119.0% stabilizes from 123.8% QoQ decline, regulatory compliance key [Ongoing]
- Both Banks/CDR Evolution👁
IDBI implied high via 16% advances vs 12% deposits; Yes at 85.4%, prudent limits [Q1 FY27]
- Sector/RBI Commentary👁
Enforcement stream context - monitor RBI supervisory notes on these banks [2026-04 onwards]
Validate 14% YoY ₹6,00,536 Cr in full filings for capital allocation hints [Upcoming]
Filing Analyses(2)
04-04-2026
IDBI Bank Limited reported provisional figures as of March 31, 2026, with total business growing 14% YoY to ₹6,00,536 Cr from ₹5,28,693 Cr, total deposits up 12% YoY to ₹3,46,998 Cr from ₹3,10,294 Cr despite a slight dip to ₹3,07,858 Cr in December 2025, CASA deposits up 7% YoY to ₹1,54,873 Cr from ₹1,44,479 Cr after declining to ₹1,35,632 Cr in December, and net advances rising 16% YoY to ₹2,53,538 Cr from ₹2,18,399 Cr. All metrics showed recovery in Q4 FY26 after interim softness. Figures are subject to statutory audit.
04-04-2026
Provisional figures as of March 31, 2026 show Yes Bank Limited's Loans & Advances grew 5.8% QoQ from ₹257,451 Cr and 10.7% YoY from ₹246,188 Cr to ₹272,454 Cr, while Deposits increased 9.0% QoQ from ₹292,524 Cr and 12.1% YoY from ₹284,525 Cr to ₹318,970 Cr. CASA Deposits rose 12.5% QoQ from ₹99,483 Cr and 14.9% YoY from ₹97,480 Cr to ₹111,960 Cr, lifting CASA Ratio (incl CDs) to 35.1% from 34.0% QoQ. However, Liquidity Coverage Ratio declined to 119.0% from 123.8% QoQ and 125.0% YoY, and Credit to Deposit Ratio eased to 85.4% from 88.0% QoQ.
- ·Figures are provisional and subject to approval by Audit Committee, Board of Directors, and Statutory Auditors.
- ·Corresponding specific provision as on December 31, 2025 used for Net Advances as of March 31, 2026.
- ·Liquidity Coverage Ratio (LCR) is Average Quarterly on Consolidated basis.
Get daily alerts with 12 investment signals, 8 risk alerts, 10 opportunities and full AI analysis of all 2 filings
🇮🇳 More from India
View all →April 01, 2026
India Pre-Market Regulatory Roundup — April 01, 2026
India Pre-Market Regulatory Roundup
April 01, 2026
India Quarterly Results BSE NSE Announcements — April 01, 2026
India Quarterly Results BSE NSE Announcements
April 01, 2026
India Technology Sector Merger & Acquisition Filings — April 01, 2026
India Technology Sector Merger & Acquisition Filings
April 01, 2026
India Startup Funding Venture Capital Filings — April 01, 2026
India Startup Funding Venture Capital Filings