Yes Bank

Market Cap: Large Cap
Industry: Bank - Private
ISIN: INE528G01035
NSEID: YESBANK
BSEID: 532648

INR

17.24

0.09 (0.52%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 3.38 cr

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Quarterly Results

Results Snapshot

YoYQoQ

Figures in Rs cr

Standalone Quarterly Results

Dec'24

Sep'24

Jun'24

Mar'24

Dec'23

Sep'23

Jun'23

Interest Earned

7,829.14

7,730.49

7,719.15

7,447.17

6,984.85

6,710.70

6,443.22

Income On Investments

1,416.82

1,443.53

1,494.55

1,385.66

1,264.68

1,142.97

1,164.95

Interest On Balances With Rbi Other Inter Bank Funds

120.48

51.11

119.81

51.62

96.82

211.78

98.18

Interest / Discount On Advances / Bills

5,904.92

5,840.06

5,719.12

5,638.01

5,354.71

5,122.88

4,971.88

Others

386.92

395.79

385.67

371.88

268.64

233.07

208.21

Other Income

1,512.01

1,406.60

1,198.99

1,568.60

1,194.60

1,209.98

1,141.12

Total Income

9,341.15

9,137.09

8,918.14

9,015.77

8,179.45

7,920.68

7,584.34

Interest Expended

5,605.62

5,530.05

5,475.11

5,294.15

4,967.97

4,785.61

4,443.59

Net Interest Income

2,223.52

2,200.44

2,244.04

2,153.02

2,016.88

1,925.09

1,999.63

Total Expenditure (Excl Depreciation)

2,656.51

2,631.77

2,557.74

2,819.15

2,347.43

2,333.74

2,322.34

Employee Cost

1,003.87

1,007.63

980.09

1,025.97

910.89

891.74

945.68

Other Operating Expenses

1,652.64

1,624.14

1,577.65

1,793.18

1,436.54

1,442.00

1,376.66

Operating Profit Before Provisions and Contingencies

1,079.02

975.27

885.29

902.47

864.05

801.33

818.41

Exceptional Items

0.00

Provisions and contingencies

258.68

297.10

211.77

470.86

554.74

500.38

360.30

Profit Before Tax

820.34

678.17

673.52

431.61

309.31

300.95

458.11

Tax

208.07

125.13

171.09

-20.28

77.85

75.74

115.59

Profit After Tax

612.27

553.04

502.43

451.89

231.46

225.21

342.52

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

612.27

553.04

502.43

451.89

231.46

225.21

342.52

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

0.2

0.18

0.16

0.08

0.12

Diluted Earnings per share

0.19

0.18

0.16

0.15

0.08

0.12

Operating Profit Margin (Excl OI)

62.76%

62.11%

64.12%

55.82%

58.45%

57.77%

58.36%

Gross Profit Margin

10.48%

8.77%

8.73%

5.8%

4.43%

4.48%

7.11%

PAT Margin

7.82%

7.15%

6.51%

6.07%

3.31%

3.36%

5.32%

Net Interest Margin

2.4%

2.3%

2.5%

Return on Assets

0.0%

CASA (%)

33.1%

32.0%

30.8%

30.9%

29.7%

29.4%

CASA Amount

91,650.00

88,601.00

81,567.00

82,317.00

71,749.00

68,957.00

64,567.00

Capital Adequacy Ratio (Total)

15.2%

15.6%

16.3%

15.4%

16.0%

17.1%

18.2%

Capital Adequacy Ratio (Tier 1)

12.59%

13.2%

13.3%

12.2%

12.6%

13.1%

13.6%

Provision Coverage Ratio (%)

71.2%

70.0%

67.6%

79.3%

56.6%

72.1%

67.8%

Amount of Gross NPAs

3,963.47

3,889.43

3,844.90

3,982.56

4,457.41

4,319.03

4,072.67

Amount of Net NPAs

1,142.62

1,168.02

1,246.03

1,329.73

1,934.36

1,885.19

2,100.69

% of Net NPAs

0.5%

0.6%

0.9%

1.0%

% of Gross NPAs

1.6%

1.7%

2.0%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

1326.0

1325.0

1308.0

1290.0

1287.0

1345.0

1327.0

Number of Branches

1247.0

1237.0

1232.0

1234.0

1198.0

1212.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Dec 2024 is 12.09% vs 18.95% in Dec 2023

Net Profit

YoY Growth in quarter ended Dec 2024 is 164.53% vs 349.26% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2024 is 24.88% vs -5.43% in Dec 2023

% of Net NPAs

YoY Growth in quarter ended Dec 2024 is -0.40% vs -0.10% in Dec 2023

% of Gross NPAs

YoY Growth in quarter ended Dec 2024 is -0.40% vs 0.00% in Dec 2023

Compare Quarterly Results Of Yes Bank With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

7,829.14

30,953.94

-23,124.80

-74.71%

Income On Investments

1,416.82

5,808.83

-4,392.01

-75.61%

Interest On Balances With Rbi Other Inter Bank Funds

120.48

292.86

-172.38

-58.86%

Interest / Discount On Advances / Bills

5,904.92

24,640.75

-18,735.83

-76.04%

Others

386.92

211.50

175.42

82.94%

Other Income

1,512.01

5,972.20

-4,460.19

-74.68%

Total Income

9,341.15

36,926.14

-27,584.99

-74.7%

Interest Expended

5,605.62

17,348.09

-11,742.47

-67.69%

Net Interest Income

2,223.52

13,605.85

-11,382.33

-83.66%

Total Expenditure (Excl Depreciation)

2,656.51

9,044.20

-6,387.69

-70.63%

Employee Cost

1,003.87

2,984.61

-1,980.74

-66.37%

Other Operating Expenses

1,652.64

6,059.59

-4,406.95

-72.73%

Operating Profit Before Provisions and Contingencies

1,079.02

10,533.85

-9,454.83

-89.76%

Exceptional Items

0.00

Provisions and contingencies

258.68

2,155.63

-1,896.95

-88.0%

Profit Before Tax

820.34

8,378.22

-7,557.88

-90.21%

Tax

208.07

2,074.45

-1,866.38

-89.97%

Profit After Tax

612.27

6,303.77

-5,691.50

-90.29%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

612.27

6,303.77

-5,691.50

-90.29%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.20

20.37

-20.17

-99.02%

Diluted Earnings per share

0.19

20.25

-20.06

-99.06%

Operating Profit Margin (Excl OI)

62.76%

63.82%

0.00

-1.06%

Gross Profit Margin

10.48%

27.07%

0.00

-16.59%

PAT Margin

7.82%

20.37%

0.00

-12.55%

Net Interest Margin

2.40%

3.93%

-1.53

-1.53%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

33.10%

39.00%

-5.90

-5.90%

CASA Amount

91,650.00

4,11,500.00

-3,19,850.00

-77.73%

Capital Adequacy Ratio (Total)

15.20%

17.01%

-1.81

-1.81%

Capital Adequacy Ratio (Tier 1)

12.59%

14.61%

-2.02

-2.02%

Provision Coverage Ratio (%)

71.20%

76.00%

-4.80

-4.80%

Amount of Gross NPAs

3,963.47

15,850.27

-11,886.80

-74.99%

Amount of Net NPAs

1,142.62

3,774.79

-2,632.17

-69.73%

% of Net NPAs

0.50%

0.35%

0.15

0.15%

% of Gross NPAs

1.60%

1.46%

0.14

0.14%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

1,326.00

0.00

1,326.00

Number of Branches

1,247.00

5,706.00

-4,459.00

-78.15%

Quarterly - Interest Earned

Interest Earned 7829.14 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 1.28% vs 0.15% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 12.09% vs 18.95% in Dec 2023

Quarterly - Net Profit

Net Profit 612.27 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 10.71% vs 10.07% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 164.53% vs 349.26% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,079.02 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 10.64% vs 10.16% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 24.88% vs -5.43% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.50%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.00% vs 0.00% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.40% vs -0.10% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 1.60%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.00% vs -0.10% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.40% vs 0.00% in Dec 2023