During Monday’s trading session, the shares of a full-service commercial bank headquartered in Mumbai jumped nearly 7 percent on BSE, after the company reported Q4 FY25 financial results with a net profit increase of 20.2 percent QoQ and nearly 59.3 percent YoY.
Price Movement:
With a market cap of Rs. 59,290.6 crores, at 12:45 p.m., the shares of YES Bank Limited were trading in the green at Rs. 18.91, up by nearly 4.5 percent, compared to its previous closing price of Rs. 18.09.
The stock has delivered negative returns of over 25 percent in one year, but has gained around 10 percent in the last one month.
What’s the News:
The fluctuations in the share prices were observed after YES Bank Limited announced the financial results for Q4 FY25, through the latest filings with the stock exchanges on Saturday.
For Q4 FY25, YES Bank reported a net interest income (NII) of Rs. 2,276 crores, reflecting a growth of around 2.4 percent QoQ from Rs. 2,224 crores in Q3 FY25, and a year-on-year increase of around 5.7 percent from Rs. 2,153 crores in Q4 FY24.
Further, the Interest Earned stood at Rs. 7,623.2 crores in Q4 FY25, decreasing by around 2.7 percent QoQ from Rs. 7,833 crores in Q3 FY25, but increased marginally by nearly 2.2 percent YoY from Rs. 7,457.8 crores.
The bank’s consolidated net profit for Q4 FY25 grew to Rs. 744.5 crores, representing a significant growth of around 20.2 percent QoQ from Rs. 619.4 crores in Q3 FY25, and an increase of nearly 59.3 percent YoY from Rs. 467.3 crores in Q2 FY24.
YES Bank also reported an improvement in its CASA (Current Account and Savings Account) ratio, which stood at 34.3 percent in Q4 FY25—up 120 basis points (bps) on a quarterly basis and 340 bps on a yearly basis—compared to 33.1 percent in Q3 FY25 and 30.9 percent in Q4 FY24.
Asset quality showed further improvement, with Gross Non-Performing Assets (GNPA) declining to 1.6 percent as of March 31, 2025, from 1.7 percent a year earlier. Net NPA stood at 0.3 percent, down significantly from 0.6 percent as of March 31, 2024.
Segment Performance:
YES Bank reported a total consolidated segment revenue of Rs. 9,523.85 crore for Q4 FY25. Retail Banking segment emerged as the largest contributor, accounting for Rs. 3,903.8 crore or ~41 percent of the total segmental revenue. This includes a marginal contribution of Rs. 0.08 crore from the Digital Banking sub-segment, while the remaining Rs. 3,903.73 crore came from Other Retail Banking operations.
The Treasury segment contributed Rs. 1,984 crore, representing 20.83 percent of the total segmental revenue. Corporate Banking segment followed, with a contribution of Rs. 3,266.25 crore, accounting for 34.29 percent. Revenue from Other Banking Operations stood at Rs. 335.25 crore (3.52 percent), while the Unallocated segment added Rs. 34.55 crore (0.36 percent) to the overall consolidated segment revenue.
About the Bank:
YES Bank Limited, a full-service commercial Bank headquartered in Mumbai, is a publicly held bank engaged in the business of providing a wide range of products, services, and digital solutions, catering to retail, MSME, and corporate clients.
The bank operates its brokerage business through YES SECURITIES, a subsidiary of the Bank. YES Bank has a pan-India presence, including an International Banking Unit (IBU) at GIFT City and a Representative Office in Abu Dhabi.
Written by Shivani Singh
Disclaimer
The views and investment tips expressed by investment experts/broking houses/rating agencies on tradebrains.in are their own, and not that of the website or its management. Investing in equities poses a risk of financial losses. Investors must therefore exercise due caution while investing or trading in stocks. Dailyraven Technologies or the author are not liable for any losses caused as a result of the decision based on this article. Please consult your investment advisor before investing.
