Yes Bank reported a strong financial performance for the quarter ending 31st March 2025 (Q4 FY25), with its net profit rising 63% year-on-year (YoY) to ₹738 crore. This positive news pushed the bank’s shares up by 4.48%.
Here’s a simple breakdown of Yes Bank’s performance in Q4 FY25:
- Total Income: Increased by 3.76% YoY to ₹9,355.39 crore.
- Profit Before Tax: Jumped 130.83% to ₹996.31 crore, compared to ₹431.61 crore last year.
- Net Interest Income (NII): Grew by 5.71% to ₹2,276 crore.
- Net Interest Margin (NIM): Improved slightly to 2.5% from 2.4% in Q4 FY24.
- Operating Profit: Rose by 45.67% to ₹1,314 crore from ₹902 crore last year.
- Provisions & Contingencies: Dropped by 32.44% YoY to ₹318.07 crore.
Better Asset Quality:
- Gross NPAs (bad loans) fell slightly to ₹3,935.61 crore.
- Net NPAs dropped sharply by 39.82% to ₹800.14 crore.
- Gross NPA Ratio improved to 1.6% (from 1.7% last year).
- Net NPA Ratio dropped to 0.3% (from 0.6%).
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Growth in Deposits and Loans:
- Total Deposits increased 6.81% YoY to ₹2.84 lakh crore.
- Total Advances (Loans) rose 8.07% YoY to ₹2.46 lakh crore.
- CASA Ratio (Current and Savings Accounts) improved to 34.3% from 30.9%.
Other Key Highlights:
- Gross slippages (new bad loans) stood at ₹1,223 crore, slightly lower than ₹1,348 crore in the previous quarter.
- Liquidity Coverage Ratio (LCR), a measure of financial health, remained strong at 125%.
- Overdue loans (3–190 days) stood at ₹3,705 crore.
Full-Year Performance (FY25):
- Net Profit rose 92.3% to ₹2,405.86 crore.
- Total Income increased 12.38% to ₹36,751.77 crore.
Management’s Statement: Prashant Kumar, MD & CEO of Yes Bank, said that the bank made strong progress in Q4, improving key financial metrics. He highlighted achievements such as 100% priority sector lending compliance, improved asset quality, and better profitability. The bank also went live with a GST collection facility and strengthened its digital and tech capabilities.
Also See: ICICI Bank Hits Big with ₹12,629 Cr Profit in Q4! Discover the Secret Behind the Success!
Yes Bank is a full-service commercial bank based in Mumbai, serving retail, MSME, and corporate clients. It also runs a brokerage business through its subsidiary, YES SECURITIES. The bank has a strong presence across India, an office in Abu Dhabi, and an international banking unit in GIFT City.
