INTEGRATED FILING — BANKING



General information about company

Scrip code 532648
NSE Symbol YESBANK
MSEI Symbol NOTLISTED
ISIN INE528G01035
Name of bank YES BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 19-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 08-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Geographical
Description of single segment
Start date and time of board meeting 19-Apr-2025   10:30:00
End date and time of board meeting 19-Apr-2025   12:50:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Interest earned
Interest or discount on advances or bills 58346800000 232952200000
Income on investments 13395800000 56944900000
Interest on balances with reserve bank of India and other inter bank funds 1016900000 3930900000
Others 3472500000 15360100000
Total interest earned 76232000000 309188100000
2 Other income 18146500000 61568100000
3 Total income 94378500000 370756200000
Expenses
4 Interest expenses 53519500000 219983700000
5 Operating expenses
(i) Employees cost 10530900000 41416700000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenditures 17093000000 66260400000
Total other operating Expenses 17093000000 66260400000
Total Operating Expenses 27623900000 107677100000
6 Total expenditure excluding provisions and contingencies 81143400000 327660800000
7 Operating profit before provision and contingencies 13235100000 43095400000
8 Provisions other than tax and contingencies 3177900000 10856000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 10057200000 32239400000
11 Provision for Tax 2611400000 7773400000
12 Net profit (loss) from ordinary activities after tax 7445800000 24466000000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 7445800000 24466000000
15 Share of profit (loss) of associates 0 0
16 Profit (loss) of minority interest 500000 1100000
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 7445300000 24464900000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 62708200000 62708200000
Face value of equity share capital 2 2
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 415615900000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 0.14 0.14
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.24 0.79
Diluted earnings per share before extraordinary items 0.24 0.78
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.24 0.79
Diluted earnings per share after extraordinary items 0.24 0.78
(iv) NPA Ratios
Amount of gross non-performing assets 39356100000 39356100000
Amount of net non-performing assets 8001400000 8001400000
% of gross NPAs 1.6 1.6
% of net NPAs 0.3 0.3
Return on assets 0.7 0.6
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
1 Capital and liabilities
Capital 62708200000
Reserves and surplus 415648400000
Deposits 2844200300000
Borrowings 719714500000
Other liabilities and provisions 198887900000
Total Capital Liabilities 4241159300000
2 ASSETS
Cash and Balances with Reserve Bank of India 152601300000
Balances with Banks and money at call and short notice 133071300000
Investments 847246800000
Advances 2461201600000
Fixed Assets 30784000000
Other Assets 616254300000
Total Assets 4241159300000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 19839900000 75972900000
2 Corporate Banking 32662500000 123229600000
3 Digital banking 800000 2900000
4 Other Retail Banking 39037300000 150903900000
5 Other Banking Operations 3352500000 12951500000
6 Unallocated 345500000 467800000
Total Segment Revenue 95238500000 363528600000
Less: Inter segment revenue 860000000 -7227600000
Income from operations 94378500000 370756200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 8007700000 22924400000
2 Corporate Banking 8810800000 28460400000
3 Digital banking -2700000 -9200000
4 Other Retail Banking -7646400000 -21395700000
5 Other Banking Operations 1959300000 7392800000
6 Unallocated -1071500000 -5133300000
Total Profit before tax 10057200000 32239400000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 10057200000 32239400000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 1598172500000 1598172500000
2 Corporate Banking 1236072800000 1236072800000
3 Digital banking 17600000 17600000
4 Other Retail Banking 1291334800000 1291334800000
5 Other Banking Operations 9506300000 9506300000
6 Unallocated 106055300000 106055300000
Total Segment Assets 4241159300000 4241159300000
Un-allocable Assets 0 0
Net Segment Assets 4241159300000 4241159300000
4 Segment Liabilities
Segment Liabilities
1 Treasury 821521500000 821521500000
2 Corporate Banking 1315085200000 1315085200000
3 Digital banking 25600000 25600000
4 Other Retail Banking 1615243800000 1615243800000
5 Other Banking Operations 4723700000 4723700000
6 Unallocated 6202800000 6202800000
Total Segment Liabilities 3762802600000 3762802600000
Un-allocable Liabilities 478356700000 478356700000
Net Segment Liabilities 3762802600000 3762802600000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 1996700000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 694000000
Other adjustments for which cash effects are investing or financing cash flow 152800000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 29372100000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 32215600000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -198918500000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 198903600000
Adjustments for provisions 0
Total adjustments for working capital -14900000
Total adjustments for reconcile profit (loss) 32200700000
Net cash flows from (used in) operations 64440100000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 576100000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 63864000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 63864000000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 92486200000
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets -7417400000
Purchase of tangible assets -204000000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items 85272800000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities 85272800000
5 Cash flows from used in financing activities
Proceeds from issuing shares 28849100000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 85361600000
Dividends paid 0
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -56512500000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -56512500000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 92624300000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents -136200000
Net increase (decrease) in cash and cash equivalents 92488100000
Cash and cash equivalents cash flow statement at beginning of period 193184500000
Cash and cash equivalents cash flow statement at end of period 285672600000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 C N K & ASSOCIATES LLP Yes 31-Jul-2027
2 G M KAPADIA & CO. Yes 30-Apr-2027


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date