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YES Bank Q2 Business Update: Loans Surge 24% to ₹3.10 Lakh Cr, Deposits Jump 20%
- •YES Bank released its business update for the second quarter ended September 30, 2026.
- •Loans and advances increased by 23.8% year-on-year to ₹3,09,675 crore.
- •Deposits grew by 19.5% annually, reaching ₹3,54,084 crore.
- •CASA deposits stood at ₹1,06,255 crore, with the CASA ratio decreasing to 30%.
- •The Credit to Deposit Ratio was 87.5%, and the average Liquidity Coverage Ratio was 131.4%.
Key Questions Answered
For the second quarter ended September 30, 2026, YES Bank reported that its loans and advances grew by 8.6% quarter-on-quarter (and 23.8% year-on-year) to reach ₹3,09,675 crore. Meanwhile, total deposits rose by 12.3% sequentially and 19.5% annually to touch ₹3,54,084 crore.
As of September 30, 2026, YES Bank's CASA deposits stood at ₹1,06,255 crore, pushing the CASA ratio down to 30%. Additionally, the bank recorded a Credit-to-Deposit (CD) ratio of 87.5% for the same quarter.
The normalized figures exclude FCNR(B) deposits raised under the concessional USD/INR Forex Swap Facility from RBI's June and August 2026 circulars, as well as related FCTL from the GIFT City branch. After these adjustments, quarterly loan growth stood at 3.3% and deposit growth at 6.5%.
