Yes bank Q4 Review: PAT jumps up to 44%, but NII is faced with margin head winds.

Yes, banks are expected to report two-digit growth in March’s quarterly income, and according to several estimates, net profit is expected to increase 35-44% year-on-year. The top line can range from RS 652 crore in Q4FY25. NIIs of the lending agency can show a humble single digit increase during the margin pressure.

This estimation is estimated by JM Financial and Anand Rathi sharing and stock brokers.

Ye Bank will announce imports with heavyweight HDFC Bank and ICICI Bank on Saturday, April 19, 2025.

What they recommend is:

Estimation of JM Financial

JM Financial expects YES BANK to report 6,081 rupees and reflect 34.6%of strong growth. However, this can decrease sequentially to 0.7%, which suggests pressure on profits despite annual profits.

The NII of the bank is expected to be 2,209 rupees, with a humble increase of 2.6%, but 0.6%slipped by QOQ. Meanwhile, net interest margins and NIM are expected to be pressure at 2.1%lower than 2.2%reported in Q4FY24 and 2.1%lower than 2.1%in Q3FY25. PPPOP pre -provisioning operating profits (PPOP) can grow 15.2% for RS 1,040 crow, but for 3.6% Qoq.in, 1 QOQ.IN. 8.2% YoY and 0.7% QOQ have reached RS 2,465 crore. In the case of sediment, 6.8% of agent hikes and 2.6% QOQ can reach 2,845 rupees.

Loan institutions are expected to report the softness of the quarterly credit cost, which is being reviewed at 0.4%compared to 0.8%of Q4FY24 and 0.4%of Q3FY25.

JM Financial maintains ‘sales’ rating for YES BANK due to concerns about margin compression, limited loan growth momentum and evaluation consideration.

Also read: HDFC BANK Q4 Results: Pat may 7% YoY and NII are likely to increase up to 9%.

Anand rati estimation

Anand Rathi projected YES BANK’s import propulsion much more powerfully, predicting 44.3%of PAT growth as RS 652 crore. In sequence, profits appear to have increased by 6.5%.

The brokerage recorded NII in the RS 2,265 crore, which could increase by 5.2% and 1.9% QOQ.

In addition, PPOP is expected to be 1,113 rupees, with strong 23.3% yoY and 3.1% QOQ growth, improving healthy operational performance and efficiency indicators.

Also read: ICICI BANK Q4 Preview: PAT May jump up to 15%for strong loan growth. NII growth in 7-11%

(disclaimer: Recommendations, suggestions, views and opinions provided by experts are itself. They do not indicate the views of the economic age)