YES Bank Q2 FY 2026-27 Results Update Signals 24% Loan Growth as Deposits Reach ₹3.54 Lakh Crore

YES Bank’s loans and advances grew 23.8% year-on-year to ₹3,09,675 crore in the September quarter, while deposits rose 19.5% to ₹3,54,084 crore, according to the bank’s Q2 FY 2026-27 business update. On a sequential basis, loans increased 8.6% and deposits rose 12.3%.

The latest update points to continued balance-sheet expansion for YES Bank, with advances crossing the ₹3 lakh crore mark for the first time. The bank’s credit-to-deposit ratio stood at 87.5% at the end of September, compared with 90.4% in the previous quarter and 84.5% a year earlier.

CASA deposits stood at ₹1,06,255 crore, up 6.6% from a year earlier and 2.9% sequentially. However, the CASA ratio declined to 30% from 32.7% in June and 33.7% a year earlier as total deposits grew at a faster pace.

YES Bank Q2 FY 2026-27 Loan Growth

YES Bank’s advances increased from ₹2,84,981 crore in June to ₹3,09,675 crore in September, translating into 8.6% quarter-on-quarter growth. On a year-on-year basis, advances were up 23.8%.

The bank also provided normalised growth figures after excluding FCNR(B) deposits and related FCTL from its GIFT City operations. On this basis, advances grew 3.3% sequentially in Q2, compared with 17.7% growth in the previous quarter.

The normalised figures account for the impact of the RBI’s concessional USD/INR Forex Swap Facility for FCNR(B) deposits introduced through its June 8 circular and subsequent August 14 release.

YES Bank Q2 FY 2026-27 Deposits And CASA

Deposits rose to ₹3,54,084 crore in September from ₹3,15,325 crore in June, marking 12.3% quarter-on-quarter growth and 19.5% year-on-year growth.

CASA deposits increased to ₹1,06,255 crore from ₹1,03,255 crore in June and ₹99,683 crore a year earlier. Despite the rise in absolute CASA deposits, the CASA ratio fell to 30% because overall deposits expanded faster.

Certificates of deposits stood at ₹11,382 crore at the end of September, compared with ₹6,604 crore in June.

On a normalised basis, deposit growth was 6.5% sequentially in Q2, compared with 13.2% in the previous quarter. The normalised CASA ratio stood at 31.7%, against 32.8% in June.

YES Bank’s credit-to-deposit ratio moderated to 87.5% in September from 90.4% in June, although it remained above the 84.5% level recorded a year earlier.

The normalised credit-to-deposit ratio was 83.2% at the end of the quarter. The bank’s consolidated average liquidity coverage ratio stood at 131.4%, compared with 138.2% in the previous quarter and 125.1% a year earlier.

The September-quarter business update comes after YES Bank reported a 34% year-on-year increase in consolidated net profit to ₹1,071 crore for the June quarter. Net interest income rose 17% to ₹2,786 crore, while operating profit increased 25% to ₹1,704 crore.

YES Bank Share Price

YES Bank shares closed at ₹20.70 on October 1 on the BSE, ahead of the release of the September-quarter business update. The stock remains in focus as investors assess the bank’s loan and deposit growth ahead of the full Q2 FY 2026-27 financial results.

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