Yes Bank's Loan Portfolio Increases by 5.1% Y-O-Y in June Quarter
By Shishta Dutta | Published at: Jul 4, 2025 11:37 AM IST
Mumbai, July 4, 2025 – YES Bank Ltd (NSE: YESBANK | BSE: 532648) on Wednesday disclosed key operational metrics for the quarter ended June 30, 2025, ahead of its official Q1FY26 financial results. The provisional update highlights marginal contractions in both loan book and deposit base sequentially, while showing modest growth on a year-on-year (YoY) basis.
Key Financial Highlights (Provisional)
| Metric | Q1 FY26 (30-Jun-25) | Q4 FY25 (31-Mar-25) | QoQ Change | Q1 FY25 (30-Jun-24) | YoY Change |
|---|---|---|---|---|---|
| Loans & Advances (₹ Cr) | 2,41,355 | 2,46,188 | -2.0% | 2,29,565 | 5.1% |
| Deposits (₹ Cr) | 2,75,921 | 2,84,525 | -3.0% | 2,65,072 | 4.1% |
| CASA (₹ Cr) | 90,347 | 97,480 | -7.3% | 81,567 | 10.8% |
| CASA Ratio | 32.7% | 34.3% | – | 30.8% | – |
| Credit to Deposit Ratio | 87.5% | 86.5% | – | 86.6% | – |
| Liquidity Coverage Ratio (LCR) | 135.7% | 125.0% | – | 137.8% | – |
Source: Company filing dated July 3, 2025.
Strategic Observations
- Loan Book Trends: Gross advances fell 2.0% QoQ to ₹2.41 lakh crore, suggesting conservative lending or repayments outpacing disbursements in Q1. However, a 5.1% YoY growth indicates sustained momentum over a longer horizon.
- Deposit Movement: Deposits dipped 3.0% QoQ to ₹2.76 lakh crore, while maintaining a 4.1% YoY increase. This decline sequentially could signal liquidity shifts or higher competitive pressure for retail funds.
- CASA Pressure: The Current Account Savings Account (CASA) base contracted 7.3% sequentially. The CASA ratio dipped to 32.7% from 34.3%, although still higher than 30.8% a year ago pointing to some resilience in the retail franchise YoY.
- Liquidity Strength: Liquidity Coverage Ratio (LCR) improved to 135.7% from 125% last quarter, ensuring comfortable liquidity buffers in line with regulatory thresholds.
The disclosed data remains provisional and unaudited, pending review and approval by the Audit Committee and Board. The final results are subject to a limited review by the statutory auditors of YES Bank.
Yes Bank Stock Performance
As of 10:41 AM IST, YES Bank shares have gained 0.050% trading at ₹20.16 on July 4, 2025. Yes Bank shares have declined 15% over the last year, gained 2.70% year-to-date, and decreased 4.59% in the previous month.
About YES Bank
YES Bank Ltd is a full-service commercial bank listed on the BSE and NSE, headquartered in Mumbai. It offers a range of financial products and services across corporate, retail, and digital banking verticals.
REF: https://nsearchives.nseindia.com/corporate/YESBANK_03072025220727_Pre_Results_Disclosure-Q1FY26_signed.pdf
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