Yes Bank Q2 Results: Earnings improve as profit climbs 18%, asset quality stable

Yes Bank Ltd reported an 18.4% year-on-year rise in net profit for the September quarter, aided by steady interest income and stable asset quality.

The private lender, which has been focusing on improving profitability and maintaining a healthy balance sheet since its restructuring in 2020, said its net profit rose to ₹655 crore in the second quarter ended September 30. This is higher than a profit of ₹553 crore reported a year earlier.

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????Net profit up 18.4% at ₹655 cr vs ₹553 cr (YoY)

????NII up 4.6% at ₹2,300 cr vs ₹2,200 cr (YoY) pic.twitter.com/xcuoxVEeTg

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Net interest income (NII) increased 4.6% year-on-year to ₹2,300 crore from ₹2,200 crore, the bank said in an exchange filing.

Asset quality remained largely unchanged, with gross non-performing assets (NPA) at ₹4,055.3 crore compared with ₹4,022 crore in the previous quarter. The gross NPA ratio was steady at 1.6%, while net NPA stood at ₹770.8 crore versus ₹797.3 crore a quarter ago, maintaining a 0.3% net NPA ratio.

The bank’s provisions rose to ₹419 crore from ₹284 crore in the prior quarter and ₹297 crore a year earlier.