Yes Bank has just announced its results for Q4 of the 2025 financial year, and the numbers are impressive! The bank’s net profit surged by a massive 63% compared to the same period last year, reaching ₹738 crore ($86.39 million). This growth surpassed analysts’ expectations, which had pegged the profit at ₹640 crore.
One of the key drivers behind this impressive performance was a significant reduction in provisions and contingencies, which fell by 32.5% to ₹318 crore. This helped to boost the overall profit, alongside solid growth in core banking operations and lower-than-expected loan loss provisions.
Financial Highlights
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Net Interest Income (NII): The bank saw a steady 5.7% increase in net interest income, which amounted to ₹2,276 crore. This growth was driven by consistent performance in core banking services, including loans and deposits.
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Non-Interest Income: The bank’s non-interest income rose by 11% to ₹1,567 crore, supported by higher fee and commission income, showcasing diversification in earnings.
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Loans and Deposits: Yes Bank’s loan book grew by 8.1%, while its deposits increased by 6.8%, reflecting the bank’s continued efforts to expand its customer base and improve liquidity.
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Net Interest Margin (NIM): The bank’s NIM increased to 2.50% from 2.40% last year, despite the Reserve Bank of India’s decision to cut interest rates by 50 basis points in February 2025. This indicates the bank’s ability to maintain profitability in a competitive environment.
These impressive results have led to a positive market reaction, with Yes Bank’s stock price soaring after the announcement. The bank has managed to successfully navigate a challenging economic environment, and these results highlight its strong growth potential moving forward.
