YES Bank Q4 Results 2025: Net Profit Rs.738 Crore, Download PDF

YES Bank has announced its financial results for the fourth quarter ending March 31, 2025, showing a strong growth in profit and overall performance.

The bank reported a net profit of ₹738.12 crore, which is a 63.7% increase compared to ₹451.9 crore in the same quarter last year. This impressive rise in profit was mainly driven by higher interest income, lower provisions, and better asset quality.

Income Growth: Interest and Other Income Increase

During the January–March quarter (Q4), YES Bank’s total income rose to ₹9,355.4 crore, slightly higher than ₹9,015.8 crore in the same period last year.

• Interest income increased to ₹7,616.1 crore, compared to ₹7,447.2 crore a year ago.
• Other income (such as from fees and services) also saw growth, rising to ₹1,739.3 crore from ₹1,568.6 crore.

Improved Operational Efficiency

The bank’s operating profit before provisions stood at ₹1,314.4 crore, up from ₹902.5 crore in Q4 last year.
At the same time, provisions and contingencies (funds set aside for bad loans or potential losses) dropped significantly to ₹318.1 crore, down from ₹470.9 crore last year. This reduction in provisions helped boost the bank’s net profit.

Asset Quality Improves

YES Bank also showed improvement in asset quality — a key indicator of how well a bank manages its loans.

• Gross Non-Performing Assets (NPAs) were reported at ₹3,935.6 crore.
• The gross NPA ratio improved to 1.6%, slightly better than 1.7% last year.
• Net NPAs stood at ₹800 crore, with the net NPA ratio falling to 0.3%, from 0.6% a year earlier.
  This shows that the bank has been successful in recovering and managing its stressed loans.

Full-Year FY25 Performance

For the entire financial year 2024-25 (FY25), YES Bank posted a net profit of ₹24,058.6 crore, which is almost double the ₹12,510.8 crore profit it reported in FY24. This strong annual performance highlights the bank’s steady recovery and growth.

• Download Results PDF