YES Bank Q3 Update: Loans Surge to ₹2.58 Lakh Crore, Deposits Grow 5.5%
Private sector lender YES Bank released its provisional business update for the third quarter ended December 31, 2025, showcasing a resilient performance in its core lending and deposit franchises. The bank reported a 5.2% year-on-year (YoY) increase in gross advances and a 5.5% YoY growth in total deposits.
Key Performance Highlights
Loans and Advances: The bank's gross advances reached ₹2,57,508 crore (approximately ₹2.58 lakh crore) as of December 31, 2025. This represents a 5.2% growth compared to ₹2,44,834 crore in the same period last year. On a sequential basis (QoQ), loans grew by 2.9% from ₹2,50,212 crore.
Deposit Mobilization: Total deposits stood at ₹2,92,484 crore, up 5.5% from ₹2,77,224 crore in Q3 FY25. However, there was a marginal sequential dip of 1.3% compared to the September 2025 quarter.
CASA Performance: The Current Account and Savings Account (CASA) deposits reached ₹99,443 crore, marking an 8.5% YoY increase. The CASA ratio (including Certificate of Deposits) improved to 34.0%, up from 33.1% a year ago, reflecting the bank's focus on low-cost funding.
Liquidity & Credit Ratio: The Credit-to-Deposit (C/D) ratio was recorded at 88.0%. The Liquidity Coverage Ratio (LCR) remained comfortable at 123.8%, though it saw a slight moderation from previous periods.
Strategic Outlook
The bank’s steady growth comes amid a significant shift in its shareholding pattern, with Sumitomo Mitsui Banking Corporation (SMBC) recently becoming the largest shareholder with a 20% stake. Analysts suggest that the bank’s improving operational efficiency—noted by a cost-to-income ratio drop to 67.1% in earlier updates—positions it well for the remainder of the fiscal year.
What’s Next for Investors?
YES Bank has officially scheduled its Board of Directors meeting for Saturday, January 17, 2026, to review and approve the full unaudited financial results for the quarter. Investors will be keeping a close eye on asset quality metrics and Net Interest Margins (NIM) during the final announcement.