Yes Bank Q1FY27: Advances Rise 18.4% YoY to ₹285,315 Crore, Deposits Up 14.3%
Yes Bank reported provisional Q1FY27 results with advances rising 18.4% YoY to ₹285,315 crore and deposits up 14.3% YoY to ₹315,397 crore. The Credit to Deposit Ratio stood at 90.5%, while the Liquidity Coverage Ratio improved to 138.5% from 119.0% in the previous quarter. These figures are provisional and subject to approval by the Audit Committee, Board of Directors, and Statutory Auditors.
*this image is generated using AI for illustrative purposes only.
Yes Bank reported provisional financial results for the quarter ended June 30, 2026, showing a year-on-year increase in advances and a stable liquidity position. The bank's advances grew to ₹285,315 crore, marking an 18.4% rise compared to the same period last year. Deposits stood at ₹315,397 crore, reflecting a 14.3% increase year-on-year, while the Credit to Deposit Ratio was recorded at 90.5%.
The bank's Current Account Savings Account (CASA) ratio, including Certificate of Deposits (CDs), was 32.7% for the period. The Liquidity Coverage Ratio (LCR) on a consolidated average quarterly basis improved significantly to 138.5%, up from 119.0% in the previous quarter and 135.8% in the year-ago period. These metrics highlight the bank's operational performance and liquidity management ahead of the official results announcement.
Key Financial Metrics
The following table details the provisional financial figures for the quarter ended June 30, 2026, compared to the preceding quarter and the corresponding period of the previous year:
| Particulars (Figures in INR Crores): | 30-Jun-26 | 31-Mar-26 | QoQ | 30-Jun-25 | YoY |
|---|---|---|---|---|---|
| A. Loans & Advances | 285,315 | 273,445 | 4.3% | 241,024 | 18.4% |
| B. Deposits | 315,397 | 318,969 | -1.1% | 275,843 | 14.3% |
| Certificate of Deposits (CDs) | 6,604 | 6,831 | -3.3% | - | NM |
| CASA | 103,258 | 111,959 | -7.8% | 90,351 | 14.3% |
| CASA Ratio (Incl CDs) | 32.7% | 35.1% | — | 32.8% | — |
| C. Credit to Deposit Ratio (A / B) | 90.5% | 85.7% | — | 87.4% | — |
| D. Liquidity Coverage Ratio (LCR) | 138.5% | 119.0% | — | 135.8% | — |
Regulatory Disclosures
The intimation was submitted in accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The bank clarified that the information provided is provisional and released ahead of the official announcement of financial results for the quarter ended June 30, 2026. These figures are subject to approval by the Audit Committee of the Board, the Board of Directors, and a limited review by the Statutory Auditors of the Bank. Specific provisions related to outstanding loans and advances as of March 31, 2026, were considered to arrive at the net advances figure for June 30, 2026.
Historical Stock Returns for Yes Bank
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +0.58% | -1.93% | +6.83% | +9.42% | +20.27% | +80.00% |
How will the high Credit to Deposit Ratio of 90.5% impact the bank's ability to sustain loan growth without increasing deposit rates?
What factors contributed to the significant quarter-on-quarter decline in CASA, and is this trend expected to reverse in the coming quarters?
Will the improved Liquidity Coverage Ratio allow the bank to reduce its reliance on high-cost Certificate of Deposits moving forward?
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