While the bank reported a quarter-on-quarter (QoQ) decline in loans, total deposits, and CASA deposits, the year-on-year (YoY) figures showed moderate growth, suggesting the bank is still building on last year’s base despite near-term challenges.
Key Business Metrics:
Loans & Advances came in at Rs 2,41,355 crore, showing a 2.0% decline QoQ from Rs 2,46,188 crore, but a 5.1% rise YoY from Rs 2,29,565 crore.
Total Deposits dropped 3.0% QoQ to Rs 2,75,921 crore, down from Rs 2,84,525 crore in the March 2025 quarter. However, this was 4.1% higher YoY, indicating steady deposit base expansion over the past year.
CASA (Current and Savings Account) Deposits slipped by 7.3% QoQ to Rs 90,347 crore, but rose 10.8% YoY, reflecting improved customer engagement on a yearly basis.
The CASA Ratio, a key measure of low-cost deposits, declined to 32.7% from 34.3% QoQ. Still, it remains higher than the 30.8% recorded a year ago.
Other Operational Ratios:
Credit-to-Deposit Ratio increased slightly to 87.5% from 86.5% QoQ, suggesting higher credit utilization.Liquidity Coverage Ratio (LCR), a measure of short-term liquidity strength, improved to 135.7%, up from 125.0% in the March quarter, indicating a more robust liquidity position.
Stock Price Update:
As of 12:05 pm on July 4, 2025, YES Bank shares were trading at Rs 20.04, down 0.55% from the previous close of Rs 20.28. The bank’s current market capitalisation stands at approximately Rs 63,115.83 crore. Over the past 52 weeks, the stock has touched a high of Rs 27.44 and a low of Rs 16.02, reflecting its range-bound movement amid evolving market conditions.
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