Provisional Sept-quarter business update: Loans & Advances 309,675 crore, up 23.8% Y-o-Y

Yes Bank shared a provisional business update for the quarter ended 30-Sep-26: Loans & Advances 309,675 crore (up 8.6% Q-o-Q, 23.8% Y-o-Y), Deposits 354,084 crore (up 12.3% Q-o-Q, 19.5% Y-o-Y), CASA ratio 30.0% and LCR 131.4%.

Sun 4 Oct 2026

Loans & Advances

309,675 crore (up 8.6% Q-o-Q, 23.8% Y-o-Y)

Deposits

354,084 crore (up 12.3% Q-o-Q, 19.5% Y-o-Y)

CASA ratio

30.0%

LCR

131.4%

Quarter

quarter ended 30-Sep-26, provisional ahead of official Q2 results

Yes Bank has put out an early, provisional update on its business numbers for the quarter ended 30 September 2026, ahead of its official financial results.

What was shared

• Loans & Advances stood at 309,675 crore as on 30-Sep-26, against 285,118 crore as on 30-Jun-26, a rise of 8.6% quarter-on-quarter, and against 250,212 crore as on 30-Sep-25, a rise of 23.8% year-on-year.
• Deposits stood at 354,084 crore, against 315,373 crore as on 30-Jun-26 (up 12.3%) and 296,276 crore as on 30-Sep-25 (up 19.5%).
• Certificate of Deposits (CDs) were 11,382 crore, against 6,604 crore a quarter earlier and 987 crore a year earlier.

Low-cost deposits

CASA (Current Account and Savings Account) deposits were 106,255 crore, up 2.9% over 30-Jun-26 and 6.6% over 30-Sep-25. The CASA ratio, which is the share of these low-cost deposits in total deposits, was 30.0%, against 32.7% as on 30-Jun-26 and 33.7% as on 30-Sep-25.

Other ratios

• Credit to Deposit Ratio was 87.5%, against 90.4% as on 30-Jun-26 and 84.5% as on 30-Sep-25.
• Liquidity Coverage Ratio, on an average quarterly consolidated basis, was 131.4%, against 138.2% and 125.1% in the two comparison periods.

A second, normalised set of numbers

The Bank has also given figures that exclude Foreign Currency Non-Resident (Bank), or FCNR(B), deposits mobilised under the RBI's concessional USD/INR forex swap facility, and the related foreign currency term loans (FCTL) extended from the Bank's GIFT City branch.

• Advances growth normalised for FCTL: 3.3% quarter-on-quarter and 17.7% year-on-year.
• Deposits growth normalised for FCNR(B): 6.5% quarter-on-quarter and 13.2% year-on-year.
• CASA ratio normalised for FCNR(B): 31.7%, against 32.8% and 33.7% in the earlier periods.
• Credit to Deposit Ratio normalised for FCTL: 83.2%, against 90.4% and 84.5% earlier.

These two views together let a reader see how much of the reported growth relates to those foreign currency flows.

Points to note

The Bank states that the information is provisional and is being released ahead of the official announcement of the financial results for the quarter ended September 30, 2026, which is subject to approval by the Audit Committee of the Board, the Board of Directors, and limited review by the Statutory Auditors of the Bank. It also notes that a corresponding specific provision as on June 30, 2026, pertaining to outstanding Loans & Advances as on September 30, 2026, has been considered for the purposes of arriving at Net Advances as on September 30, 2026.

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