FOR QUICK BANKING UPDATES
Mumbai, July 19, 2025 — YES BANK reported a robust financial performance for the quarter ended June 30, 2025 (Q1FY26), registering a 59.4% year-on-year (YoY) increase in net profit to ₹801 crore. This marks the seventh consecutive quarter of profit improvement for the private sector lender.
Key Financial Highlights:
Net Profit: ₹801 Cr, up 59.4% YoY and 8.5% QoQ
Operating Profit: ₹1,358 Cr, up 53.4% YoY
Net Interest Income (NII): ₹2,371 Cr, up 5.7% YoY
Non-Interest Income: ₹1,752 Cr, up 46.1% YoY
Return on Assets (RoA): 0.8% vs. 0.5% in Q1FY25
Net Interest Margin (NIM): 2.5%
Cost-to-Income Ratio: Improved to 67.1% from 74.3%
🏦 Balance Sheet Metrics:
Net Advances: ₹2.41 lakh crore, up 5.0% YoY
Commercial Banking: +19.0% YoY
Micro Banking: +11.2% YoY
Total Deposits: ₹2.76 lakh crore, up 4.1% YoY
CASA Ratio: Improved to 32.8%, up 200 bps
Retail & Branch Banking Deposits: +20% YoY
CET-I Ratio: Strengthened to 14.0%
CRAR: Stable at 16.2%
🧾 Asset Quality:
Gross NPA: 1.6%, down 10 bps YoY
Net NPA: 0.3%, down 20 bps YoY
Provision Coverage Ratio (PCR): Improved to 80.2%
Gross Slippages: ₹1,458 Cr, with recoveries and upgrades of ₹1,170 Cr
Restructured Advances: Significantly reduced to ₹378 Cr (~0.2% of advances)
🔔 Strategic Highlights:
Global financial player Sumitomo Mitsui Corporation Bank (SMBC) entered into a definitive agreement to acquire ~20% equity from SBI & other banks.
Credit rating upgrades by Moody’s, CARE, and ICRA, highlighting improved financial fundamentals.
Recognized as one of India’s Best Workplaces in Banking 2025 and honored for Fraud Prevention & Grievance Management by the Finance Ministry.
📌 Summary:
YES BANK’s Q1FY26 performance reflects a steady turnaround with strong profitability, stable asset quality, and continued retail and CASA growth. Strategic partnerships and improved investor confidence position the bank for long-term growth.
