YES Bank has announced its provisional business update for the quarter and year ended March 31, 2026, showcasing strong growth momentum across its core banking operations. The update, released under Regulation 30 of SEBI listing requirements, highlights significant improvements in the bank's loan portfolio and deposit base.

Strong Loan Portfolio Growth

The bank's loans & advances portfolio demonstrated robust expansion, reaching ₹2,72,454 crores as of March 31, 2026. This represents a substantial year-on-year growth of 10.7% from ₹2,46,188 crores recorded in March 2025. On a quarterly basis, the loan book grew by 5.8% from ₹2,57,451 crores in December 2025.

Impressive Deposit Mobilization

YES Bank's deposit mobilization showed even stronger performance, with total deposits reaching ₹3,18,970 crores as of March 31, 2026. This marked a significant 12.1% year-on-year increase from ₹2,84,525 crores in March 2025, and a quarterly growth of 9.0% from ₹2,92,524 crores in December 2025.

The bank's CASA (Current Account Savings Account) deposits grew to ₹1,11,960 crores, representing a healthy 14.9% year-on-year growth from ₹97,480 crores. The CASA ratio improved to 35.1% including Certificate of Deposits, compared to 34.3% in the previous year.

Key Financial Ratios and Liquidity Metrics

The bank maintained strong operational efficiency with a credit-to-deposit ratio of 85.4% as of March 31, 2026, compared to 86.5% in the previous year. This indicates improved deposit mobilization relative to lending growth.

The bank's Liquidity Coverage Ratio stood at 119.0% on a consolidated basis, well above regulatory requirements, though slightly lower than the 125.0% recorded in March 2025.

Regulatory Compliance and Transparency

YES Bank released this provisional update in compliance with SEBI listing regulations and insider trading norms. The bank emphasized that these figures are provisional and subject to approval by the Audit Committee, Board of Directors, and statutory auditor review before the official financial results announcement.

YES Bank has announced a revision in its Environmental, Social, and Governance (ESG) rating by NSE Sustainability Ratings & Analytics Ltd. The SEBI-registered ESG Rating Provider has adjusted the bank's rating to 77 from the previously assigned 78 for FY 2024-25, though the bank continues to maintain its Leader Category status.

Rating Revision Details

The rating revision was communicated to YES Bank through an email received on April 02, 2026, from NSE Sustainability. This update follows the bank's earlier disclosure made to stock exchanges on December 16, 2025, when the initial ESG rating of 78 was announced for FY 2024-25.

Independent Assessment Process

YES Bank emphasized that it did not engage NSE Sustainability for the ESG rating assignment. The rating was independently determined by the ESG Rating Provider based on the bank's public disclosures pertaining to FY 2024-25. This independent assessment approach ensures objectivity in the evaluation process.

Year-over-Year Performance

Despite the recent one-point revision, the current rating of 77 still represents an improvement compared to the FY 2023-24 rating of 76. This indicates the bank's continued progress in environmental, social, and governance practices over the past fiscal year.

Regulatory Compliance

The disclosure was made under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. YES Bank has confirmed that the relevant information weblinks from both BSE Limited and National Stock Exchange of India Limited are being hosted on the bank's official website at www.yes.bank.in , ensuring compliance with regulatory requirements.

The communication was signed by Sanjay Abhyankar, Company Secretary of YES Bank Limited, and digitally authenticated on April 03, 2026.