YesBank has reported a robust performance for Q4 FY25, showcasing significant improvements across key financial metrics. Here’s a detailed analysis:
Financial Highlights (Q4 FY25)
Net Profit: Surged by 63% year-on-year to ₹738 crore, up from ₹452 crore in Q4 FY24. This growth was primarily driven by reduced provisions and improved asset quality.
Net Interest Income (NII): Increased by 5.7% YoY to ₹2,276 crore, indicating steady growth in the bank’s core lending operations.
Net Interest Margin (NIM): Improved to 2.5% from 2.4% in the previous year, reflecting better profitability from interest-earning activities.
Total Income: Rose to ₹9,355 crore, up from ₹9,016 crore in the same quarter last year, marking a 3.8% increase.
Asset Quality & Provisions
Gross Non-Performing Assets (GNPA): Remained stable at 1.6% compared to the previous quarter, indicating consistent asset quality.
Net Non-Performing Assets (NNPA): Improved to 0.3% from 0.6% YoY, showcasing effective risk management.
Provisions: Declined by 32.5% YoY to ₹318 crore, reflecting a reduction in anticipated credit losses.
Business Growth Metrics
Loan Book: Expanded by 8.1% YoY, indicating healthy credit growth.
Deposits: Grew by 6.8% YoY, demonstrating increased customer trust and deposit mobilization.
CASA Ratio: Improved to 34.3% from 30.9% in Q4 FY24, highlighting a stronger low-cost deposit base.
Management Commentary
YesBank’s management emphasized that the focus for FY26 will remain on:
- Strengthening the loan book with quality retail and MSME lending.
- Maintaining stable margins while improving fee-based income.
- Leveraging digital platforms to improve CASA deposits and reduce cost of funds.
YesBank Share Price
YesBank’s share price closed positively on 17th April 2025, climbing over 3% intraday and briefly touching a new 52-week high. The stock closed at ₹18.09. Technical analysts note that the stock is currently approaching a resistance zone around ₹18.20–₹19.00, with key support near ₹16.00. The RSI level suggests the stock is nearing overbought territory, hinting at possible short-term consolidation.