Yes Bank disclosed provisional business metrics for Q2FY27 as on September 30, 2026, with loans and advances rising 23.8% YoY to INR 309,675 crore and deposits climbing 19.5% YoY to INR 354,084 crore.

The figures are provisional and were released ahead of the official financial results for the quarter ended September 30, 2026, which remain subject to approval by the Audit Committee of the Board, Board of Directors, and limited review by the Statutory Auditors of the Bank.

Key business metrics for Q2FY27

The table below summarises the provisional business performance across key parameters on a QoQ and YoY basis (figures in INR crore).

The Liquidity Coverage Ratio (LCR) represents the average quarterly LCR on a consolidated basis.

CASA and deposit composition

CASA deposits stood at INR 106,255 crore as on September 30, 2026, up 2.9% QoQ and 6.6% YoY. However, the CASA ratio contracted to 30.0% from 32.7% in the previous quarter and 33.7% a year ago, reflecting faster growth in total deposits relative to current and savings account balances. Certificate of deposits rose to INR 11,382 crore from INR 6,604 crore in the prior quarter and INR 987 crore a year earlier.

Normalised figures excluding FCNR(B) and FCTL

Yes Bank also disclosed figures normalised to exclude Foreign Currency Non-Resident (Bank) deposits mobilised under the Reserve Bank of India concessional USD/INR Forex Swap Facility, introduced vide RBI Circular FMOD.MAOG.No.S-56/01.06.016/2026-27 dated June 8, 2026, read with RBI Press Release dated August 14, 2026, and related foreign currency term loans extended from the Bank's GIFT City Branch.

Balances as at September 30, 2026 and June 30, 2026 have been adjusted for outstanding FCNR(B) deposits and related FCTL; balances as at September 30, 2025 remain unaffected. On a normalised basis, advances growth stood at 3.3% QoQ and 17.7% YoY, while deposit growth was 6.5% QoQ and 13.2% YoY.

Disclosure context

The provisional update was filed in accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and the Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information under Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015. The corresponding specific provision as on June 30, 2026 pertaining to outstanding loans and advances as on September 30, 2026 has been considered for arriving at net advances as on September 30, 2026.

Yes Bank received ₹258 crore from a trust within its Security Receipts (SR) portfolio. This inflow relates to the non-performing asset (NPA) loan portfolio previously sold to J. C. Flower Asset Reconstruction Private Limited (JC Flower ARC).

The bank disclosed this development under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The disclosure was triggered because the funds received in the trust exceeded the underlying carrying value of the trust, surpassing the materiality threshold prescribed under amended listing regulations.

Context of the transaction

This receipt follows an earlier disclosure made on December 17, 2022, regarding the sale of an NPA portfolio to JC Flower ARC. Security Receipts are instruments issued by Asset Reconstruction Companies (ARCs) to investors who purchase stressed assets. When the ARC recovers funds from these assets, it distributes them to SR holders, such as banks.

Disclosure details

The event is significant as it represents a direct cash realization for the bank from previously written-off or provisioned assets. The disclosure confirms that the recovery amount was substantial enough to warrant immediate public reporting to stock exchanges.

Regulatory compliance

Yes Bank stated that the weblink providing this information is hosted on its website pursuant to the Listing Regulations. The company secretary, Sanjay Abhyankar, signed the digital notice submitted to both the National Stock Exchange of India Limited and BSE Limited.