YES Bank Reports Strong Q4 Performance with Notable Profit Growth and Enhanced Asset Quality
YES Bank has unveiled a robust financial performance for the fourth quarter, marking a significant recovery and improvement across key metrics. The bank reported a net profit of ₹739 crore for the fourth quarter, marking an impressive 64% jump compared to the same quarter in the previous year. On a sequential basis, this profit rose by 21%, significantly outperforming market forecasts, which had pegged the number at ₹598.2 crore. This strong performance highlights the bank’s ongoing financial revival and reinforces confidence in its growth momentum.
A key driver behind this encouraging performance was the rise in Net Interest Income (NII), which reached ₹2,277 crore — a 6% increase on a year-on-year basis and a 2% uptick from the preceding quarter. This growth outpaced analyst estimates of ₹2,182.1 crore, indicating enhanced income from core lending activities and prudent management of interest-earning assets.
The bank’s operating profit also witnessed strong growth, rising 46% on a yearly basis and 21% sequentially to ₹1,314 crore. A notable increase in non-interest income played a vital role in this growth. YES Bank’s other income expanded by 11% year-over-year to reach ₹1,739 crore, and it saw a 15% boost quarter-over-quarter. This reflects the institution’s successful efforts in diversifying its revenue streams beyond traditional interest income.
Provisions for potential loan losses and contingencies stood at ₹318 crore, marking a 23% increase compared to the previous quarter. However, they declined by 32% when compared to the same quarter last year, pointing to a decrease in credit risk and an overall healthier loan portfolio. These improvements reflect the bank’s proactive approach in reclaiming stressed assets, resolving bad loans, and upholding disciplined lending standards.
YES Bank’s latest performance signals a strong rebound in both its financial footing and operational robustness. The continuous growth in profits, revenues exceeding expectations, and the strengthening of its asset base all point toward a positive trajectory, setting the foundation for durable growth and future stability.
Asset quality, a crucial metric for any financial institution, showed marked improvement. The Gross Non-Performing Asset (NPA) ratio remained stable at 1.6% quarter-over-quarter, while the Net NPA ratio improved significantly, dropping to 0.3% from 0.5% in the previous quarter. In actual terms, gross NPAs were reduced by 1% to ₹3,935 crore, and net NPAs fell dramatically by 30% to ₹800 crore. With its improving fundamentals and strategic focus on enhancing operational efficiency, YES Bank is not only regaining investor trust but is also positioning itself as a more resilient player in the Indian banking sector.
In conclusion, YES Bank’s fourth-quarter results offer a clear indication of its ongoing transformation. With a strong emphasis on growth, risk management, and operational performance, the bank appears well-equipped to sustain its upward momentum in the coming quarters, reinforcing confidence among shareholders and stakeholders alike.
Quarter 4 (Q4 FY25 vs Q3 FY25) and Annual Performance (FY25 vs FY24) for YES Bank, based on the audited standalone financial results:
Quarterly Comparison: Q4 FY25 vs Q3 FY25 (₹ in Crore)
| Metric | Q4 FY25 (Mar ’25) | Q3 FY25 (Dec ’24) | % Change (QoQ) |
|---|---|---|---|
| Interest Earned | 7,616.13 | 7,829.14 | -2.72% |
| Other Income | 1,739.26 | 1,512.01 | +15.01% |
| Total Income | 9,355.39 | 9,341.15 | +0.15% |
| Interest Expended | 5,339.77 | 5,605.62 | -4.74% |
| Operating Expenses | 2,701.24 | 2,656.51 | +1.68% |
| Operating Profit | 1,314.38 | 1,079.02 | +21.82% |
| Provisions (Excl. Tax) | 318.07 | 258.68 | +22.93% |
| Profit Before Tax | 996.31 | 820.34 | +21.44% |
| Net Profit | 738.12 | 612.27 | +20.56% |
| Gross NPA (%) | 1.6% | 1.6% | Unchanged |
| Net NPA (%) | 0.3% | 0.5% | Improved |
Yearly Comparison: FY25 vs FY24 (₹ in Crore)
| Metric | FY25 | FY24 | % Change (YoY) |
|---|---|---|---|
| Interest Earned | 30,894.91 | 27,585.94 | +12.02% |
| Other Income | 5,856.86 | 5,114.30 | +14.52% |
| Total Income | 36,751.77 | 32,700.24 | +12.37% |
| Interest Expended | 21,950.56 | 19,491.32 | +12.63% |
| Operating Expenses | 10,547.26 | 9,822.66 | +7.38% |
| Operating Profit | 4,253.95 | 3,386.26 | +25.57% |
| Provisions (Excl. Tax) | 1,085.61 | 1,886.28 | -42.45% |
| Profit Before Tax | 3,168.34 | 1,499.98 | +111.22% |
| Net Profit | 2,405.86 | 1,251.08 | +92.26% |
| Gross NPA (%) | 1.6% | 1.7% | Improved |
| Net NPA (%) | 0.3% | 0.6% | Improved |
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