YES Bank Limited (NSE: YESBANK, BSE: 532648) has disclosed provisional financial highlights for Q1 FY26 ending June 30, 2025, revealing a 3% quarter-on-quarter decline in deposits to ₹2,75,921 crore alongside a 2% decrease in loans and advances to ₹2,41,355 crore. The bank’s CASA ratio compressed to 32.7% from 34.3% in March 2025, while maintaining robust liquidity coverage at 135.7%.
Quarterly Financial Performance Analysis
YES Bank’s provisional Q1 FY26 results demonstrate mixed operational trends with deposit mobilization facing headwinds despite year-on-year growth momentum. Total deposits of ₹2,75,921 crore represent a 4.1% year-on-year increase from ₹2,65,072 crore in June 2024, indicating sustained customer confidence despite seasonal quarterly volatility.
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The bank’s loan portfolio contracted to ₹2,41,355 crore, marking a 2% sequential decline from ₹2,46,188 crore in March 2025. However, the lending business maintained healthy 5.1% year-on-year growth compared to ₹2,29,565 crore in the corresponding quarter of FY25, reflecting the bank’s continued focus on credit expansion within prudent risk management parameters.
Liquidity and Capital Adequacy Metrics
YES Bank’s Credit to Deposit Ratio increased to 87.5% from 86.5% in the previous quarter, indicating improved credit deployment efficiency despite absolute volume declines. The bank’s Liquidity Coverage Ratio strengthened to 135.7% from 125.0% in March 2025, demonstrating enhanced liquidity buffers and regulatory compliance well above the minimum requirements.
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The CASA (Current Account Savings Account) portfolio declined to ₹90,347 crore from ₹97,480 crore in March 2025, representing a 7.3% quarter-on-quarter decrease. This compression resulted in the CASA ratio declining to 32.7% from 34.3%, though the ratio remains superior to the 30.8% recorded in June 2024, indicating year-on-year improvement in low-cost deposit acquisition.
Regulatory Compliance and Disclosure Framework
Company Secretary Sanjay Abhyankar signed the disclosure under SEBI Listing Obligations and Disclosure Requirements Regulations, 2015, emphasizing the bank’s commitment to transparent investor communication. The provisional figures remain subject to Audit Committee approval, Board of Directors ratification, and limited review by Statutory Auditors before official Q1 FY26 results announcement.
The early disclosure strategy demonstrates YES Bank’s proactive approach to market communication, providing investors with preliminary operational insights ahead of comprehensive quarterly results. This transparency initiative supports investor confidence while maintaining regulatory compliance standards across both NSE and BSE platforms.
Disclaimer: The information provided is for educational purposes only and does not constitute financial advice. We are not registered financial advisors. Please conduct your own research and consult a qualified advisor before making investment decisions. Any investment decisions you make based on this information are solely at your own risk.
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Published on: July 4, 2025 / M Vishnu
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يَا أَيُّهَا الْإِنسَانُ إِنَّكَ كَادِحٌ إِلَىٰ رَبِّكَ كَدْحًا فَمُلَاقِيهِ
O mankind, you are laboring toward your Lord with [great] exertion and will meet Him.
