YES Bank Q4 Results 2025: Net Profit Surges 63% YoY
Strong recovery signals from YES Bank as core banking metrics improve steadily in Q4 FY25.
YES Bank has reported an impressive 63% year-on-year (YoY) jump in net profit for Q4 FY2024-25, driven by improved interest income and disciplined provisioning. The Net Interest Income (NII) rose by 6% YoY, showcasing steady growth in the bank’s lending operations.
Let’s decode the numbers and what they mean for retail investors, depositors, and small businesses.
YES Bank Q4 FY25
| Metric | Q4 FY25 | Q4 FY24 | Change (YoY) |
|---|---|---|---|
| Net Profit | ₹452 crore | ₹277 crore | ▲ 63% |
| Net Interest Income (NII) | ₹2,153 crore | ₹2,055 crore | ▲ 6% |
| Operating Profit | ₹1,090 crore | ₹888 crore | ▲ 22.7% |
| Net NPA | 0.6% | 0.8% | Improved |
| Credit Growth (YoY) | 13.1% | — | Moderate Rise |
| CASA Ratio | 30.3% | — | Slight Dip |
What Worked for YES Bank?
- Strong provisioning discipline: Provisions stayed controlled at ₹291 crore.
- Improved asset quality: Net NPAs improved from 0.8% to 0.6%.
- Loan book expansion: A 13% YoY rise in credit shows recovery in lending activity.
- Stable NIMs: Margins remained broadly in the 2.4–2.6% range despite a tight rate environment.
Is the Turnaround Real?
YES Bank’s results reflect stabilising fundamentals, but the real test lies in sustaining credit quality and deposit growth. The retail and MSME segments will be key to long-term recovery.
Practical Tip:
For MSMEs banking with YES Bank, improved financials could mean better credit access and lower lending rates in the near term.
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💡 Expert Insight for Taxpayers & SMEs
If you’re a business owner or salaried taxpayer with loans or deposits in YES Bank, this performance may translate into:
- Improved loan servicing speed
- More competitive interest rates (especially in MSME lending)
- Better digital service rollout, as financial stability often boosts tech investments
- investments
📑 Tax & Compliance Angle
For CA firms and compliance experts tracking bank stability:
- Consistent improvement in NPAs helps reduce systemic risk and improves trust in tax deduction at source (TDS) operations linked with bank accounts.
- A profitable bank is also more likely to disburse TDS refunds and interest payouts on time to customers.
Why This Matters for You
Whether you’re a depositor, consultant, or startup founder – banking health directly impacts your financial plans. YES Bank’s Q4 results offer reassurance after years of volatility.
If you’re planning tax-saving investments, loans, or business finance in FY 2025-26, stable banks like YES Bank can play a stronger role in your portfolio.