Financial Results for Q.E and FY Ending March 31, 2025 - Yes Bank Ltd

Code BSE: 532648 NSE:

FY25 Net Profit at Rs 2,406 Crs up 92.3% Y-o-Y. Net Profit for Q4FY25 at Rs 738 Crs up 63.3% YoY & 20.6% Q-o-Q. a) NIM for Q4FY25 at 2.5% trending upward Q-o-Q. NIM for FY25 stable at 2.4% b) Non-Interest Income for FY25 at INR 5,857 Crs up 14.5% Y-o-Y. c) NIL shortfalls in PSL Compliance in FY25; Mandated deposits in lieu of PSL Shortfalls reduced to 8.7% as of FY25 from ~11% of Total Assets as at Mar’24, d) Q4FY25 Cost-to-income Ratio Sequentially lower for fourth successive quarter at 67.3% v/s. 75.8% (Q4FY24) and 71.1% (Q3FY25) e) Q4FY25 RoA at 0.7% v/s. 0.5% in Q4FY24 & 0.6% in Q3FY25. FY25 RoA at 0.6% v/s. 0.3% in FY24. Commenting on the results and financial performance, Mr. Prashant Kumar, Managing Director & CEO, YES BANK said, “The Q4FY25 marked yet another important quarter for YES BANK as it continued to make steady improvements across several key metrics and progressed well on the strategic objective of improving its profitability. The Bank exited the year with quarterly RoA of 0.7%, b) achieved 100% PSL compliance, c) further improved its Gross NPA and Net NPA ratios to 1.6% and 0.3% respectively – lowest levels since Mar’20, d) Brought down the net carrying value of Security Receipts to ‘NIL’ and e) Furthered expanded the CASA ratio by 340 bps Y-o-Y to 34.3% in FY25. YES BANK’s core franchise has gained significant momentum and is quite well placed to continue to thrive. The Bank remains disciplined and focused on its execution with its strategy and actions remain fully anchored around further improving its Positioning and ***** going live with seamless collection facility for GST, the Bank added another important solution for its existing as well as prospective customers and augmented its Digital and Tech Capabilities. Highest ratings by S&P and CDP reaffirmed our commitment to responsible banking”.