Yes Bank will report its fourth-quarter earnings on Friday and analysts expect the private sector lender to post the biggest decline in profit in the last 12-15 quarters. \tLoan growth could moderate a bit from the 40 percent levels to 15-20 percent levels, as per analysts. \tYes Bank has a credit to deposit ratio of close to 110 percent. So the bank needs to grow deposits and money is not cheap in the sector. Therefore, the impact of rising interest rate will be felt on the net interest margins (NIMs), which was at 3.3 percent in the previous quarter. \tProvisions are likely to remain elevated because the bank has exposure to various stressed accounts except for IL&FS – IL&FS was recognised as non-performing assets (NPAs) but the bank also has exposures to Anil Dhirubhai Ambani Group (ADAG), the realty sector etc. \tSlippages may remain elevated and could be in the range of Rs 900 crore to Rs 1,700-1,800 crore, according to analysts. \tThe gross NPA figure will be a key number to watch out for. A CNBC-TV18 poll on a quarter-on-quarter (QoQ) basis suggests net interest income (NII) growth of close to 26 percent while net profit can drop by 19 percent on a quarter-on-quarter basis.