On a year-on-year basis, loans and advances grew 23.8% from ₹2,50,212 crore, while deposits increased 19.5% from ₹2,96,276 crore. The bank said the business figures are provisional,
CASA ratio at 30%
Current account and savings account (CASA) deposits stood at ₹1,06,255 crore as of September 30, up 2.9% from ₹1,03,233 crore in the previous quarter and 6.6% from ₹99,708 crore a year ago.
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The CASA ratio stood at 30%, compared with 32.7% in the June quarter and 33.7% a year ago. Certificate of Deposits (CDs) stood at ₹11,382 crore as of September 30, compared with ₹6,604 crore as of June 30.
Credit-to-deposit ratio falls to 87.5%
YES Bank’s credit-to-deposit ratio stood at 87.5% as of September 30, compared with 90.4% in the previous quarter and 84.5% a year ago. The average quarterly liquidity coverage ratio (LCR) on a consolidated basis stood at 131.4%, compared with 138.2% in the previous quarter and 125.1% a year ago.
Normalised advances, deposits growth
After adjusting for Foreign Currency Non-Resident (Bank) (FCNR(B)) deposits and related foreign currency term loans (FCTL) extended from the bank’s GIFT City branch, advances growth stood at 3.3% quarter-on-quarter, compared with 17.7% in the previous quarter.
Deposits growth, normalised for FCNR(B), stood at 6.5%, compared with 13.2% in the previous quarter. The normalised CASA ratio stood at 31.7%, compared with 32.8% in the previous quarter and 33.7% a year ago.
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The normalised credit-to-deposit ratio, after adjusting for FCTL extended from the GIFT City branch, stood at 83.2%, compared with 90.4% in the previous quarter and 84.5% a year ago.
The bank said the normalised figures exclude FCNR(B) deposits mobilised under the Reserve Bank of India’s concessional USD/INR Forex Swap Facility introduced through its June 8, 2026 circular and August 14, 2026 press release, or the related FCTL extended from the bank’s GIFT City branch, as relevant.
Balances as of September 30, 2026 and June 30, 2026 have been adjusted for outstanding FCNR(B) deposits and related FCTL, while balances as of September 30, 2025 remain unaffected.
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On October 1, shares of Yes Bank Ltd ended at ₹20.70, down by ₹1.19, or 0.25%, on the BSE.