Chandigarh, April 23, 2025: YES BANK, India’s sixth-largest private sector bank, has announced its Q4FY25 results, reporting a 63.3% YoY increase in net profit to INR 738 crore, alongside a 20.6% QoQ rise. The Bank’s operating profit increased to INR 1,079 crore, marking a 24.9% YoY and 10.6% QoQ improvement. For the full fiscal year FY25, the Net Profit reached ₹2,406 crore, demonstrating a robust growth of 92.3% over FY24.
The Net Interest Income (NII) for Q4 FY25 was ₹2,276 crore, up 5.7% YoY and 2.4% QoQ. The Net Interest Margin (NIM) for the quarter saw an upward trend, reaching 2.5%, compared to 2.4% in both Q4 FY24 and Q3 FY25. The NIM for the full fiscal year remained stable at 2.4%. Non-Interest Income for FY25 registered a healthy growth of 14.5% YoY to ₹5,857 crore, with Q4 FY25 contributing ₹1,739 crore, up 10.9% YoY and 15.0% QoQ.
Operating Profit for Q4 FY25 increased significantly by 45.6% YoY and 21.8% QoQ to ₹1,314 crore. The operating profit for the full year FY25 was ₹4,254 crore, a 25.6% increase YoY. The Bank successfully reduced its Cost-to-income Ratio sequentially for the fourth consecutive quarter, reaching 67.3% in Q4 FY25. The Return on Assets (RoA) for Q4 FY25 improved to 0.7%, up from 0.5% in Q4 FY24 and 0.6% in Q3 FY25. The FY25 RoA stood at 0.6% compared to 0.3% in FY24.
The balance sheet continued to show positive momentum. Total Deposits grew by 6.8% YoY and 2.6% QoQ to ₹2,84,525 crore. The CASA ratio witnessed a significant improvement, rising by 340 bps YoY and 120 bps QoQ to 34.3%. Net Advances registered a growth of 8.1% YoY and 0.6% QoQ to ₹2,46,188 crore, primarily driven by strong growth in the SME and Mid Corporate segments.
Commenting on the results and financial performance, Mr. Prashant Kumar, Managing Director & CEO, YES BANK said, “The Q4FY25 marked yet another important quarter for YES BANK as it continued to make steady improvements across several key metrics and progressed well on the strategic objective of improving its profitability. The Bank exited the year with quarterly RoA of 0.7%, b) achieved 100% PSL compliance, c) further improved its Gross NPA and Net NPA ratios to 1.6% and 0.3% respectively – lowest levels since Mar’20, d) Brought down the net carrying value of Security Receipts to ‘NIL’ and e) Furthered expanded the CASA ratio by 340 bps Y-o-Y to 34.3% in FY25. YES BANK’s core franchise has gained significant momentum and is quite well placed to continue to thrive. The Bank remains disciplined and focused on its execution with its strategy and actions remain fully anchored around further improving its Positioning and Profitability. By going live with seamless collection facility for GST, the Bank added another important solution for its existing as well as prospective customers and augmented its Digital and Tech Capabilities. Highest ratings by S&P and CDP reaffirmed our commitment to responsible banking”.
In Q4 FY25, YES BANK was authorized by the Government of India for Direct and Indirect Taxes Collection and went live with seamless GST payment facility. The bank also received the highest ratings amongst Indian Banks for ESG and climate disclosures from S&P Global and CDP for the third consecutive year.
