Yes Bank Q4 Results: ₹738 Cr Profit, 63% YoY Growth, and Strong Asset Quality
Business and Industry Overview:
Yes Bank is a private bank in India. It started in 2004 and has its main office in Mumbai. The bank helps people and businesses with money. People can open savings and current accounts. They can also get loans, credit cards, and fixed deposits. Businesses use the bank for loans and money management. Many companies trust Yes Bank for their financial needs. In 2020, Yes Bank had big money problems. Many people and businesses could not repay their loans. The bank lost a lot of money and faced a crisis. It could not manage its funds properly. The Reserve Bank of India (RBI) and other big banks helped. They gave money and made changes in the bank. This helped Yes Bank recover. After that, Yes Bank worked to fix its problems. It became careful while giving loans. It checked risks properly before lending money. It also improved how it managed funds. The bank focused on online banking. It made mobile banking and online payments better. More people started using these services. Yes Bank is now trying to grow again. It wants people to trust it. It still faces some problems. Other banks are strong competition. It also has old loan issues. But it is working hard to improve. It wants to become strong and stable in the future.
Latest Stock News:
Yes Bank made a profit of ₹738 crore in the last quarter of financial year 2025. This profit is 63% more than the profit in the same quarter last year. The bank made more profit because it kept less money for bad loans. This money is called provisions. The provisions fell by 32.5% and became ₹318 crore. The bank earned ₹2,276 crore from interest. This is called Net Interest Income (NII). It is 5.7% more than last year. The bank also earned ₹1,567 crore from other work. This is 11% more than last year. The bank’s loan quality got better. Gross NPA stayed the same at 1.60%. Net NPA became better. It went down to 0.3% from 0.5%. The bank gave more loans. The loans grew by 8.1% compared to last year. The bank also got more money from customers. Deposits grew by 6.8%. The profit from lending, called Net Interest Margin (NIM), became 2.50%. Last year it was 2.40%. Before the result, the share price went up by 1.2%. On April 16, 2025, the share price was ₹18.05. On the same day, the bank got a tax notice. The tax amount is ₹244 crore. It is for the year 2016–17. Even after this news, the share price went up by 3.02%.
Business Segments:
Retail and SME Banking – This part gives loans to people and small businesses. It is the biggest part of the bank. It has 59% of the total loans.
Mid-Corporate Banking – This part gives loans to medium-sized companies. It has 16% of the total loans.
Corporate Banking – This part gives loans to big companies. It has 25% of the total loans.
Subsidiary information:
- YES Securities (India) Limited (YSIL) is a subsidiary of Yes Bank, and it is fully owned by the bank. It was started in 2013 and is based in Mumbai, India. YES Securities offers many services, including investment banking, merchant banking, stock broking, wealth management, and research. It serves a variety of clients, such as retail customers, high-net-worth individuals (HNI/UHNI), and institutional clients. The CEO of YES Securities is Prasanth Prabhakaran, who has been with the company since 2017.
- YES Asset Management (India) Limited is another fully owned subsidiary of Yes Bank. It focuses on managing mutual funds and offering investment products to both retail and institutional investors. The company helps customers by providing different types of investment solutions in various asset classes.
Q4 Highlights:
- Net Profit: ₹738 crore, up 63% year-on-year.
- Net Interest Income (NII): ₹2,276 crore, a 5.7% increase from the previous year.
- Other Income: ₹1,567 crore, reflecting an 11% growth year-on-year. Reuters
- Gross Non-Performing Asset (NPA) Ratio: 1.60%, unchanged from the previous quarter.
- Net NPA Ratio: Improved to 0.3% from 0.5% in the last quarter.
- Loan Growth: 8.1% year-on-year.
- Deposit Growth: 6.8% year-on-year.
- Net Interest Margin (NIM): 2.50%, up from 2.40% in the previous year.
Financial Summary:
| Amount in ₹ Crore | Q4 FY24 | Q4 FY25 | FY24 | FY25 |
| Revenue | 2,419.28 | 2,590.10 | 9,994.42 | 10,345.10 |
| Expenses | 2,678.37 | 2,525.00 | 9,961.60 | 9,800.00 |
| EBITDA | -259.09 | 350 | -664.2 | 820 |
| Operating Margin (OPM) | -10.71% | 13.50% | -6.65% | 7.90% |
| Net Profit / (Loss) | -95.95 | 738 | -253.75 | 2,520.00 |
| Net Profit Margin (NPM) | -3.97% | 28.50% | -2.54% | 24.40% |
| Earnings Per Share (EPS) | -0.93 | 1.05 | -2.45 | 6.50 |
