{"id":7259,"date":"2025-04-18T18:09:46","date_gmt":"2025-04-18T12:39:46","guid":{"rendered":"https:\/\/trending.niftytrader.in\/?p=7259"},"modified":"2025-04-18T18:09:46","modified_gmt":"2025-04-18T12:39:46","slug":"yes-bank-q4-results-preview-pat-likely-to-jump-but-nii-under-pressure","status":"publish","type":"post","link":"https:\/\/www.niftytrader.in\/markets\/yes-bank-q4-results-preview-pat-likely-to-jump-but-nii-under-pressure\/","title":{"rendered":"Yes Bank Q4 Results Preview: PAT Likely to Jump, But NII Under Pressure"},"content":{"rendered":"<p class=\"\" data-start=\"352\" data-end=\"577\">Yes Bank is gearing up to release its Q4FY25 results on April 19, and early estimates from brokerages suggest a strong year-on-year growth in profit, even as the bank grapples with margin pressures on its core income.<\/p>\n<p class=\"\" data-start=\"579\" data-end=\"928\">The bank&#8217;s net profit (PAT) is expected to rise between 35% to 44% as compared to the same quarter last year. This jump reflects improved operational performance and better asset quality. However, the optimism around profit growth is slightly balanced by headwinds in net interest income (NII) and margins, which continue to pose challenges.<\/p>\n<h3 class=\"\" data-start=\"930\" data-end=\"980\">\ud83d\udcca Growth with Caution: What the Estimates Say<\/h3>\n<p class=\"\" data-start=\"982\" data-end=\"1103\">Two leading brokerage firms, JM Financial and Anand Rathi, have shared their projections ahead of the Q4 results.<\/p>\n<ul data-start=\"1105\" data-end=\"1651\">\n<li class=\"\" data-start=\"1105\" data-end=\"1316\">\n<p class=\"\" data-start=\"1107\" data-end=\"1316\">JM Financial expects PAT at \u20b9608 crore, which marks a 34.6% YoY growth. But compared to the previous quarter, this reflects a marginal dip, suggesting pressures on the bottom line despite annual gains.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1317\" data-end=\"1507\">\n<p class=\"\" data-start=\"1319\" data-end=\"1507\">Yes Bank\u2019s NII is projected to rise just 2.6% YoY, reaching around \u20b92,209 crore. On a QoQ basis, this shows a slight decline of 0.6%, highlighting concerns around interest margins.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1508\" data-end=\"1651\">\n<p class=\"\" data-start=\"1510\" data-end=\"1651\">Net Interest Margins (NIMs) are expected to remain flat at 2.1%, indicating a lack of expansion in profitability from lending operations.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1653\" data-end=\"1811\">Another key metric, Pre-Provision Operating Profit (PPOP), is forecasted at \u20b91,040 crore \u2013 a 15.2% rise YoY, but a 3.6% decline from the previous quarter.<\/p>\n<p class=\"\" data-start=\"1813\" data-end=\"1928\">Meanwhile, loan growth is estimated at 8.2%, showing consistent business momentum even amid economic headwinds.<\/p>\n<h3 class=\"\" data-start=\"1930\" data-end=\"1971\">\ud83d\udd0d Anand Rathi Sees Stronger Momentum<\/h3>\n<p class=\"\" data-start=\"1973\" data-end=\"2226\">On the other hand, Anand Rathi Share and Stock Brokers have a slightly more optimistic view. They project a PAT of \u20b9652 crore, reflecting a robust 44.3% YoY increase and a 6.5% QoQ growth, pointing towards steady improvement across quarters.<\/p>\n<h3 class=\"\" data-start=\"2228\" data-end=\"2268\">\u26a0\ufe0f Margin Pressure Remains a Concern<\/h3>\n<p class=\"\" data-start=\"2270\" data-end=\"2521\">Despite the promising profit growth, margin compression and modest loan expansion continue to worry analysts. JM Financial, in fact, maintains a \u2018Sell\u2019 rating on Yes Bank, citing valuation concerns and limited earnings upside in the near term.<\/p>\n<h3 class=\"\" data-start=\"2528\" data-end=\"2544\">\u2705 Final Word<\/h3>\n<p class=\"\" data-start=\"2546\" data-end=\"2907\">While Yes Bank\u2019s Q4FY25 earnings may showcase strong YoY profit growth, the muted trend in NII and NIMs signals an area that investors should keep an eye on. As the bank announces its results alongside giants like HDFC Bank and ICICI Bank, it will be interesting to see how it navigates the current interest rate environment and maintains profitability.<\/p>\n<p class=\"\" data-start=\"2909\" data-end=\"2959\">Stay tuned for the actual results on April 19<strong data-start=\"2909\" data-end=\"2959\">.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yes Bank is gearing up to release its Q4FY25 results on April 19, and early estimates from brokerages suggest a strong year-on-year growth in profit, even as the bank grapples with margin pressures on its core income. The bank&#8217;s net profit (PAT) is expected to rise between 35% to 44% as compared to the same [&hellip;]<\/p>\n","protected":false},"author":2,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"ppma_author":[1329],"class_list":{"0":"post-7259","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-political-news"}," _eael_post_view_count":0,"authors":[{"term_id":1329,"user_id":2,"is_guest":0,"slug":"snehagandhi","display_name":"Sneha Gandhi","avatar_url":{"url":"https:\/\/trending.niftytrader.in\/wp-content\/uploads\/2025\/10\/Sneha-Gandhi.jpeg","url2x":"https:\/\/trending.niftytrader.in\/wp-content\/uploads\/2025\/10\/Sneha-Gandhi.jpeg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":""}],"_links":{"self":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts\/7259","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/comments?post=7259"}],"version-history":[{"count":1,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts\/7259\/revisions"}],"predecessor-version":[{"id":7261,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/posts\/7259\/revisions\/7261"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/media\/7260"}],"wp:attachment":[{"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/media?parent=7259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/categories?post=7259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/tags?post=7259"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.niftytrader.in\/markets\/wp-json\/wp\/v2\/ppma_author?post=7259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}