Yes Bank Posted a 63.3% Jump In Q4 Net Profit With Strong Asset Quality and Lower Provisions

Yes Bank reported a 63.3% rise in Q4 net profit, driven by improved asset quality and lower provisions. The bank’s total income grew, with strong contributions from retail and corporate banking. FII and mutual fund holdings also increased.

On Monday, the shares of Yes Bank opened at ₹17.70 per share and reached intraday high and low of ₹17.80 and ₹17.51 per share, currently trading at around ₹17.16 per share, indicating a 0.34% rise from the previous day's closing on the NSE.

On Saturday, April 19, 2025, Yes Bank announced its financial results for the quarter and year ended March 31, 2025, showing stable growth in income and profitability. The bank reported a steady performance across key parameters, including net profit, income from core operations, and asset quality. Segment-wise, retail and corporate banking remained major contributors to revenue, while the capital adequacy and NPA ratios reflected a healthy financial position.

Yes Bank Q4 Results

Yes Bank posted a standalone net profit of ₹738.12 crore for the quarter ending March 31, 2025, reflecting a 63.3% rise compared to ₹451.9 crore in the same quarter of the previous year. This growth was driven by an uptick in interest income, lower provisioning requirements, and improved asset quality.

The bank’s total income for the quarter increased to ₹9,355.4 crore, slightly higher than ₹9,015.8 crore in the corresponding period last year. Interest income rose to ₹7,616.1 crore from ₹7,447.2 crore, while other income went up to ₹1,739.3 crore from ₹1,568.6 crore year-over-year.

Operating profit before provisioning climbed to ₹1,314.4 crore, compared to ₹902.5 crore in the year-ago quarter. Provisions and contingencies dropped significantly to ₹318.1 crore, down from ₹470.9 crore, which supported the overall profitability.

In terms of asset quality, gross NPAs stood at ₹3,935.6 crore, with the gross NPA ratio improving to 1.6% from 1.7%. Net NPAs reduced to ₹800 crore, and the net NPA ratio declined to 0.3%, compared to 0.6% in the same period last year.

For the entire FY25, the bank recorded a net profit of ₹24,058.6 crore, nearly doubling from ₹12,510.8 crore in FY24.

FII and MF Holdings

FII and FPI increased their holdings in Yes Bank from 26.74% to 26.88% in Q4FY25, while Mutual Funds raised their holdings from 0.74% to 1.65% during the same period. State Bank of India holds a 23.97% stake in the bank.

Overall, the Q4 FY25 results showed steady income growth, strong asset quality, and balanced contributions from all business segments. 

Disclaimer: The article is for informational purposes only and not investment advice.