YES Bank announced Q4FY25 & FY25 results FY25 Net Profit at Rs 2,406 crore up 92.3% YoY. Net Profit for Q4FY25 at Rs 738 crore up 63.3% YoY & 20.6% QoQ. NIM for Q4FY25 at 2.5% trending upward QoQ. NIM for FY25 stable at 2.4%. Non-Interest Income for FY25 at Rs 5,857 crore up 14.5% YoY. 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. Q4FY25 Cost-to-income Ratio Sequentially lower for fourth successive quarter at 67.3% v/s. 75.8% (Q4FY24) and 71.1% (Q3FY25). 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. Balance Sheet momentum sustains with effective execution in line with strategic objectives. Sustained Deposit accretion (up 6.8% YoY and 2.6% QoQ) and improvement in CASA Ratio (up 120 bps QoQ and 340 bps YoY) to 34.3%. Net Advances Growth at 8.1% YoY & 0.6% QoQ aided by strong growth momentum in SME and Mid Corporate Advances (at 23.6% & 21.8% YoY respectively). AYB2 Deposits grew 16.0% YoY; Stronger YoY growth in CA Deposits at 20.5% and SA Deposits at 32.1%. Retail & Branch Banking led Deposits growth at 17.9% YoY and 3.2% QoQ. Significant improvement in Asset Quality metrics, Provision Coverage Ratio; Fresh Slippages Improving Sequentially GNPA at 1.6%, NNPA at 0.3%, PCR improved to 79.7% Resolution momentum continues to be strong with Total recoveries and upgrades at Rs 1,480 crore 1 in Q4FY25 and Rs 5,923 crore 1 in FY25. Restructured advances lowest ever at Rs 424 crore (0.2% of Advances). Net Carrying Value of Security Receipts – NIL. YES BANK gets authorized by Government of India for Direct and Indirect Taxes Collection - Goes live with seamless GST payment facility for customers as well as non-customers. S&P; Global and CDP rated YES BANK highest- amongst Indian Banks for ESG and climate disclosures - 3rd Year in a row. 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 YoY 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 Profitability.By 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”. Result PDF