New Delhi: Yes Bank on Friday reported modest balance-sheet growth for the third quarter ended December 31, 2025, with loans expanding faster than deposits amid a competitive funding environment.
In a pre-results filing with stock exchanges, the private sector lender said loans and advances increased 5.2% year-on-year to ₹2,57,508 crore, compared with ₹2,44,834 crore in the year-ago period. On a sequential basis, advances rose 2.9% over the September quarter.
Total deposits stood at ₹2,92,484 crore at the end of December, up 5.5% from a year earlier but down 1.3% quarter-on-quarter. CASA deposits were largely flat sequentially at ₹99,443 crore, though they rose 8.5% YoY, helping lift the CASA ratio (including certificates of deposit) to 34% from 33.1% a year ago.
The bank’s credit-to-deposit ratio increased to 88% from 84.5% in the previous quarter, reflecting stronger loan growth relative to deposit mobilisation. Liquidity coverage ratio (LCR) remained comfortable at 123.8% on an average quarterly consolidated basis, well above the regulatory requirement.
Yes Bank said the figures are provisional and have been disclosed ahead of the announcement of its quarterly financial results, which will be subject to review by the audit committee, board of directors and statutory auditors.
The lender has been focusing on improving asset quality, strengthening its liability franchise and rebuilding profitability following its reconstruction, even as it faces intense competition for deposits across the banking system.