Yes Bank Limited is a prominent private sector bank incorporated in 2003, engaged in providing a wide range of banking and financial services. The bank holds the position as the 6th largest private sector bank in total assets terms, establishing itself as a significant player in India's competitive banking landscape. Yes Bank is an Indian private-sector bank headquartered in Mumbai, catering to retail customers, MSMEs, and corporate clients.
The bank has built an extensive network across India to serve its diverse customer base effectively. Its network spans over 300 districts in the country, which comprises 1,198 branches, 193 BCBOs (Banking Correspondent Branchless Banking Outlets), and 1,287+ ATMs. Yes Bank is a private sector bank that is headquartered in Mumbai and had reported consolidated assets of ₹4,24,100 Crore as of March 31, 2025.
Yes Bank Ltd has a market capitalization of ₹62,919 Crore as of July 2025. The bank's stock performance has shown mixed trends across different time periods. Over the last 1 month, Yes Bank share price moved down by 5.20% on BSE, while over the last 3 months it moved up by 16.57%. Over the last 12 months, the share price moved down by 16.32%, but over the last 3 years it moved up by 58.25%.
The Yes Bank's 52-week high share price is ₹27.41 and 52-week low share price is ₹16.02, indicating significant volatility in the stock price over the past year. The bank's shares are actively traded on both BSE and NSE exchanges, making it accessible to retail and institutional investors alike.
Yes Bank delivered strong financial performance in the fourth quarter of FY 2024-25. Yes Bank Ltd's revenue jumped 3.72% since last year same period to ₹9,437.85 Crore in Q4 FY2024-2025, and on a quarterly growth basis, it has generated 0.23% jump in its revenue since last 3-months.
The bank's profitability showed remarkable improvement during this period. Yes Bank Ltd's net profit jumped 59.33% since last year same period to ₹744.53 Crore in Q4 FY2024-2025. On a quarterly growth basis, Yes Bank Ltd has generated a 20.21% jump in its net profits since last 3-months.
On a consolidated basis, Yes Bank Ltd reported a profit of ₹744.53 Crore on a total income of ₹9,437.85 Crore for the quarter ended 2025. For the year ended 2024, Yes Bank Ltd had posted a profit of ₹1,285.20 Crore on a total income of ₹27,605.86 Crore.
Key Financial Metrics (Q4 FY25 & FY24):
* Revenue for Q4 2024-25: ₹9,437.85 Crore
* Net Profit for Q4 2024-25: ₹744.53 Crore
* Net Profit Margin for Q4 2024-25: 7.89%
* Annual Revenue for FY 2024: ₹30,919 Crore
* Annual Net Profit for FY 2024: ₹2,446 Crore
Yes Bank has made significant strides in improving its asset quality over the past few years. The bank's gross non-performing loan (NPL) ratio declined to 1.6% as of March 2025 from 13.9% in March 2022. This dramatic improvement demonstrates the bank's effective risk management and recovery efforts.
Reported provision coverage as a proportion of NPL increased to 80% from 71% during this period, indicating stronger provisioning practices. However, despite these improvements, Yes Bank's asset quality remains exposed to unseasoned risks associated with the rapid expansion in its retail and small & medium enterprise portfolios, its increased focus into higher-risk retail segments, and reliance on third-party sourcing channels.
The bank has strengthened its capital position significantly. The bank's Common Equity Tier-1 (CET-1) capital ratio on a standalone basis improved to 13.5% as of the end of March 2025 from 12.2% a year earlier following the exercise of equity share warrants during the year.
A major strategic development for Yes Bank is the planned acquisition by Sumitomo Mitsui Banking Corporation. In May 2025, Sumitomo Mitsui Banking Corporation (SMBC) announced that it will acquire a 20% stake in Yes Bank from existing shareholders. The planned acquisition is credit positive for Yes Bank because it brings in a long-term strategic partner, with a strong balance sheet and funding capacity to support its growth.
Yes Bank's credit profile has shown gradual improvement, leading to rating upgrades. Moody's Ratings said that the upgrade of Yes Bank's ratings and BCA is driven by a gradual improvement in the bank's credit profile, including its capital and loan loss reserves, which will provide sufficient buffers against the bank's unseasoned asset risks and improving yet modest profitability and funding.
The bank's funding has gradually improved with higher share of low-cost current and savings deposits and retail term deposits which increased to 51% of its total deposits at the end of March 2025 from 41% as of the end of March 2021. This improvement in deposit mix helps reduce funding costs and supports profitability.
The RBI has extended the tenure of Prashant Kumar for a period of six months with effect from October 6, 2025, or till the appointment of a new managing director and CEO/successor taking charge, whichever is earlier. The bank is in a transition phase as it prepares for a new ownership structure with SMBC's stake acquisition.
Yes Bank's profitability is weaker than Indian peers and remains the bank's key credit challenge. While the bank has shown improvement in asset quality and operational metrics, profitability enhancement remains a focus area for sustainable growth.
The bank continues to focus on retail and MSME lending segments while maintaining strict asset quality standards. With the strategic partnership with SMBC and improved operational metrics, Yes Bank is positioned for gradual recovery and growth in the Indian banking sector.
