Yes Bank's loans rise 5% to ₹2.58L crore in Q3
What's the story
Private sector lender Yes Bank has reported a 5.2% year-on-year (YoY) increase in loans and advances for the quarter ending December 31, 2025. The bank's total loans and advances stood at ₹2,57,508 crore as against ₹2,44,834 crore in December 2024. This is also a marginal jump of 2.9% quarter-on-quarter (QoQ) from ₹2,50,212 crore recorded in September 2025.
Financial indicators
Deposits and CASA show growth
Yes Bank's total deposits for the quarter stood at ₹2,92,484 crore, a 5.5% YoY increase from ₹2,77,224 crore. However, this is a slight decline of 1.3% QoQ from ₹2,96,276 crore in the previous quarter. The bank's current and savings accounts (CASA) also witnessed an 8.5% YoY growth to reach ₹99,443 crore during this period.
Improvement
Credit-to-deposit ratio improves
The credit-to-deposit ratio of Yes Bank improved to 88.0% from the previous quarter's 84.5%. This is a slight decline from December 2024's figure of 88.3%. The liquidity coverage ratio (LCR) for the quarter stood at a healthy 123.8%, compared to the previous quarter's 125.1% and last year's figure of 133.2%.
Profit growth
Yes Bank's net profit and interest income rise
In Q2, Yes Bank reported an 18.4% YoY increase in net profit to ₹655 crore, up from ₹553 crore a year ago. The bank's net interest income (NII) also grew by 4.6% YoY to ₹2,300 crore from ₹2,200 crore last year. The lender's return on assets (RoA) stood at 0.6%, in comparison with 0.5% in the year-ago quarter while its net interest margin (NIM) remained stable at 2.5%, up by 10 basis points YoY.