YESBANK

Yes Bank Q4 FY25 Results analysis

- Net profit (Q4 FY25): ₹738.12 crore ▸ Up 63.7% year-over-year from ₹451.9 crore - Total income: ₹9,355.4 crore ▸ Slightly higher than ₹9,015.8 crore in the same quarter last year - Interest income: ₹7,616.1 crore ▸ Up from ₹7,447.2 crore year-over-year - Other income: ₹1,739.3 crore ▸ Increased from ₹1,568.6 crore year-over-year - Operating profit before provisions: ₹1,314.4 crore ▸ Up from ₹902.5 crore year-over-year - Provisions and contingencies: ₹318.1 crore ▸ Down significantly from ₹470.9 crore - Asset quality: ▸ Gross NPA at ₹3,935.6 crore (1.6% vs 1.7% year-over-year) ▸ Net NPA at ₹800 crore (0.3% vs 0.6% year-over-year) - Full-year net profit (FY25): ₹24,058.6 crore ▸ Almost double the ₹12,510.8 crore reported in FY24 ### Investor takeaway

Bank has delivered a strong quarterly and annual performance, supported by higher income, lower provisions, and an improvement in asset quality. The sharp jump in full-year profit reflects a positive turnaround, suggesting the bank is on a recovery path. While long-term potential is improving, investors may want to watch for continued consistency in performance and strategic clarity before taking larger positions. Growth-focused investors could consider gradual accumulation.