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Informist, Saturday, Oct. 18, 2025

 

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--YES Bank Jul-Sept net profit INR 6.54 bln 
--Analysts estimated YES Bank Jul-Sept net profit at INR 6.71 bln 
--YES Bank Jul-Sept net profit INR 6.54 bln vs INR 5.53 bln year ago 
--YES Bank Jul-Sept total income INR 90.23 bln vs INR 91.37 bln year ago 
--YES Bank Jul-Sept provisions INR 4.19 bln vs INR 2.97 bln year ago 
--YES Bank gross NPA ratio 1.6% as on Sept 30, unch on qtr 
--YES Bank net NPA ratio 0.3% as on Sept 30, unch on qtr 
--YES Bank Basel III capital adequacy ratio 15% as on Sept 30 
--YES Bank Apr-Sept net profit INR 14.56 bln vs INR 10.55 bln year ago 
--YES Bank Apr-Sept total income INR 183.71 bln vs INR 180.55 bln year ago 

--YES Bank Jul-Sept net interest income INR 23.01 bln, up 4.6% on year 

--YES Bank Jul-Sept net interest margin 2.5%, unch on quarter 

--YES Bank NPA provision coverage ratio 88.5% as on Sept 30 vs 88% qtr ago 

--YES Bk average liquidity coverage ratio 125.1% on Sept 30 vs 135.8% qtr ago 

--YES Bank: CASA ratio at 33.7% as on Sept 30 vs 32.8% qtr ago 

--YES Bank: Advances INR 2.50 tln as on Sept 30, up 6.4% YoY 

--YES Bank: Deposits INR 2.96 tln as on Sept 30, up 6.9% YoY 

--YES Bank Jul-Sept cost of funds 6% vs 6.3% qtr ago 

--YES Bank Jul-Sept cost of deposits 5.7% vs 5.9% qtr ago 

--YES Bank Jul-Sept gross slippages INR 12.48 bln vs INR bln 14.58 qtr ago

--YES Bank Jul-Sept loan recoveries, upgrades INR 8.54 bln 

 

By Shubham Rana

 

NEW DELHI – YES Bank Ltd.'s net profit rose on year in the September quarter driven by lower interest expenses and higher other income. The year-on-year rise in the bottom line, however, was lower than the Street estimates.

 

The bank's net profit rose 18% on year to INR 6.54 billion in the September quarter. Sequentially, the profit was down 18%. Analysts expected YES Bank to report a net profit of INR 6.71 billion for the September quarter.

 

The bank's total income fell 1.3% on year to INR 90.23 billion in the September quarter. This is the first time YES Bank's total income has declined on year in 15 quarters. Total income fell because of a 4.6?cline in interest earned at INR 73.79 billion. This is the second consecutive quarter when interest earned has declined on a year-on-year basis. Notably, other income rose 17% on year to INR 16.44 billion.

 

Total expenses fell 5.3% on year and 3.3% on quarter to INR 77.27 billion in the September quarter. Interest expended was down 8.2% on year at INR 50.78 billion. At 8.2%, interest expenses saw the sharpest decline in 17 quarters.

 

The private-sector bank's asset quality remained stable with gross non-performing asset ratio at 1.6% as on Sept. 30, unchanged from a quarter ago and a year ago. Net NPA ratio was 0.3% as on Sept. 30 against 0.3% a quarter ago and 0.5% a year ago. The Basel III capital adequacy ratio was 15.0% as on Sept. 30, down from 15.8% a quarter ago and 15.6% a year ago.

 

Slippages in the September quarter were lower at INR 12.48 billion, or 2.0% of advances, against INR 14.58 billion, or 2.4% of advances, in the June quarter. Total loan recoveries and upgrades were INR 8.54 billion in the September quarter. 

 

The provision coverage ratio improved to 81.0% as of end-September from 70.0% a year ago and 80.2% a quarter ago. Including technical write-offs, provision coverage ratio was 88.5% as on Sept. 30, higher than 81.5% a year ago and 88.0% a quarter ago.

 

YES Bank's net interest income for the September quarter rose 4.6% on year to INR 23.01 billion. This was broadly in line with analysts expectation of INR 23.18 billion. The net interest margin was 2.5%, unchanged on quarter and up 10 basis points on year. YES Bank's cost of funds declined 30 bps on quarter to 6.0% in Jul-Sept and the cost of deposits was down 20 bps on quarter at 5.7%.

 

Advances rose 6.4% on year to INR 2.50 trillion as on Sept. 30 and deposits were up 6.9% at INR 2.96 trillion. The current account savings account ratio was 33.7% as on Sept. 30, up from 32.0% a year ago and 32.8% a quarter ago. The average liquidity coverage ratio was 125.1% on Sept. 30 against 132.0% a year ago and 135.8% a quarter ago. 

 

For the first half of 2025-26 (Apr-Mar), YES Bank reported a net profit of INR 14.56 billion, higher than INR 10.55 billion a year ago. Total income during Apr-Sept was INR 183.71 billion against INR 180.55 billion a year ago. Shares of YES Bank Friday ended 3.8% lower at INR 22.25 on the National Stock Exchange.  End

 

Edited by Vandana Hingorani

 

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