Yes Bank has announced its financial results for the fourth quarter of FY25, reporting a robust 63.3% year-on-year (YoY) growth in its net profit. The private sector lender posted a net profit of ₹738.1 crore for the January-March quarter, compared to ₹451.9 crore reported in the same quarter last year.
The bank’s Net Interest Income (NII), which reflects the core earnings from lending activities, also saw a steady rise of 5.7% YoY, standing at ₹2,276.3 crore, compared to ₹2,153 crore in the corresponding quarter of the previous financial year. This growth signals improved operational efficiency and steady demand for credit despite a challenging macroeconomic environment.
In terms of asset quality, Yes Bank has shown notable improvement. The Gross Non-Performing Assets (Gross NPA) for the quarter came in at ₹3,935.6 crore, slightly lower than ₹3,963.47 crore reported in the previous quarter (QoQ). The Gross NPA ratio remained flat at 1.6% on a quarter-on-quarter basis, indicating the bank’s stable asset quality.
The Net NPA figures showed a more optimistic picture, dropping to ₹800.1 crore from ₹1,142.62 crore in the previous quarter. The Net NPA ratio also improved significantly to 0.3%, compared to 0.5% QoQ, reflecting better recoveries and provisioning efforts by the bank.
Speaking of provisions, Yes Bank’s provisioning for the quarter stood at ₹318.1 crore, which is higher on a quarter-on-quarter basis compared to ₹258.7 crore, but lower when viewed year-on-year against ₹470.9 crore in the same quarter last year. This indicates the bank is cautiously strengthening its financial buffers while maintaining a healthier balance sheet.
Alongside these numbers, the bank also reported solid growth in business fundamentals. Advances grew by 8.1% YoY, reaching ₹2.46 lakh crore as against ₹2.28 lakh crore in Q4FY24. Deposits also saw a healthy rise of 6.8%, standing at ₹2.85 lakh crore compared to ₹2.66 lakh crore during the same period last year. These figures highlight improving customer trust and stronger credit disbursement.
Last Trading Session Shares of Yes Bank closed 1.1% higher at ₹18.07 apiece after the earnings release. However, despite the short-term gain, the stock has seen a decline of around 14% over the last six months, reflecting broader market volatility and investor caution.
Disclaimer:
This article is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any stock. Readers are advised to consult with a certified financial advisor before making any investment decisions. The financial data presented is based on the latest quarterly reports published by Yes Bank and is accurate as of the time of writing.
