How has been the historical performance of Yes Bank?

Answer:Yes Bank has shown a fluctuating historical performance over the years, with significant improvements in recent periods. As of March 2025, the bank reported interest earned of 30,894.91 Cr, an increase from 27,585.94 Cr in March 2024 and 22,697.43 Cr in March 2023. The net interest income also rose to 8,944.35 Cr in March 2025, up from 8,094.62 Cr in March 2024. The total income for March 2025 reached 36,751.77 Cr, compared to 32,700.24 Cr in the previous year. Profit before tax surged to 3,168.34 Cr in March 2025, a notable increase from 1,499.98 Cr in March 2024, leading to a profit after tax of 2,405.86 Cr, up from 1,251.08 Cr. The bank's earnings per share improved to 0.77 in March 2025 from 0.43 in March 2024.

On the balance sheet side, total assets grew to 4,23,422.30 Cr in March 2025 from 4,05,492.99 Cr in March 2024, while total liabilities also increased to 4,23,422.30 Cr. The bank's deposits rose significantly to 2,84,525.13 Cr in March 2025, compared to 2,66,372.17 Cr in March 2024. The capital adequacy ratio stood at 15.6% in March 2025, slightly up from 15.4% in March 2024. Cash and cash equivalents saw a positive shift, increasing to 28,059.00 Cr in March 2025 from 18,929.00 Cr in March 2024. Overall, Yes Bank has demonstrated a recovery trajectory with improved profitability and asset growth in the latest fiscal year.

Breakdown:
Yes Bank's financial performance has shown a positive trend in recent years, particularly in the fiscal year ending March 2025. The bank's interest earned increased significantly to 30,894.91 Cr, reflecting a recovery from previous years. This growth in interest income contributed to a total income of 36,751.77 Cr, which is a substantial rise from 32,700.24 Cr in the previous year. The net interest income also saw an upward trend, reaching 8,944.35 Cr, indicating effective management of interest-bearing assets. Profit before tax improved dramatically to 3,168.34 Cr, leading to a profit after tax of 2,405.86 Cr, showcasing a strong turnaround from prior losses. On the balance sheet, total assets rose to 4,23,422.30 Cr, supported by a notable increase in deposits to 2,84,525.13 Cr. The capital adequacy ratio remained healthy at 15.6%, and cash reserves improved, indicating a solid liquidity position. Overall, Yes Bank's recent performance highlights a significant recovery and growth trajectory, with key metrics reflecting improved operational efficiency and profitability.