YES Bank reported a standalone net profit of Rs 738 crore for the quarter ended March 31, 2025, registering a 63.5% year-on-year (YoY) growth from Rs 451.9 crore in the same quarter last year. The strong performance was driven by improved interest income, lower provisions, and better asset quality.
Net Interest Income (NII), which is the difference between interest earned and interest expended, stood at Rs 2,276.36 crore for Q4 FY25, compared to Rs 2,153.02 crore in Q4 FY24 — reflecting a YoY growth of 5.7%.
Total income in Q4 FY25 rose to Rs 9355.4 crore, marginally higher than Rs 9015.8 crore reported in Q4 FY24. The bank earned Rs 7616.1 crore in interest during the quarter, up from Rs 7447.2 crore a year ago. Other income stood at Rs 1739.3 crore, compared to Rs 1568.6 crore YoY.
YES Bank Q4 FY25 Highlights:
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Net Profit Up 63.3% at ₹738.1 Cr vs ₹451.9 Cr (YoY)
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NII Up 5.7% at ₹2,276.3 Cr vs ₹2,153 Cr (YoY)
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Gross NPA at ₹3,935.6 Cr vs ₹3,963.47 Cr (QoQ)
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Net NPA at ₹800.1 Cr vs ₹1,142.62 Cr (QoQ)
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Gross NPA flat at 1.6% (QoQ)
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Net NPA at 0.3% vs 0.5% (QoQ)
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Provisions at ₹318.1 Cr vs ₹258.7 Cr (QoQ) & ₹470.9 Cr (YoY)
YES Bank’s operating profit before provisions came in at Rs 1314.4 crore, up from Rs 902.5 crore last year. Provisions and contingencies fell sharply to Rs 318.1 crore, compared to Rs 470.9 crore in the year-ago quarter, boosting bottom-line performance.
On the asset quality front, the bank’s gross NPA stood at Rs 3935.6 crore with a gross NPA ratio of 1.6%, improving from 1.7% last year. Net NPA came in at Rs 800 crore, with the net NPA ratio improving to 0.3% from 0.6% YoY.
Q3 performance recap
In the December 2024 quarter, YES Bank reported a net profit of ₹612 crore, a significant jump of 165% from ₹231 crore in the same period a year ago. Net interest income (NII) rose 10% YoY to ₹2,223.52 crore, while asset quality improved with gross NPA at 1.6% and net NPA at 0.5%.
The bank also saw a sharp drop in provisions, which fell to ₹258.68 crore from ₹555 crore in Q3 FY24.
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