Yes Bank shares fell nearly 3% after the lender reported its Q4FY25 business update, highlighting the weakest year-on-year (YoY) deposit growth in 17 quarters and the slowest quarter-on-quarter (QoQ) loan growth in six quarters.
The bank’s loans and advances expanded by 8.2% year-on-year (YoY) to ₹2,46,539 crore as of March 31, 2025, compared to ₹2,27,799 crore in the previous year. Sequentially, the loan book grew 0.7% from ₹2,44,834 crore in Q3FY25, reflecting moderate expansion.
Deposits saw a 6.8% YoY rise, reaching ₹2,84,488 crore in Q4FY25 from ₹2,66,372 crore in Q4FY24. On a quarter-on-quarter (QoQ) basis, deposits increased by 2.6% over ₹2,77,224 crore in the December quarter. Notably, the bank’s CASA (Current Account and Savings Account) deposits surged 18.4% YoY to ₹97,443 crore, lifting the CASA ratio to 34.3% from 30.9% a year earlier. This marks an improvement from 33.1% in Q3FY25, signaling a higher share of low-cost funds in the overall deposit base.
Yes Bank also reported a credit-to-deposit ratio of 86.7% for Q4FY25, slightly lower than 88.3% in the previous quarter, indicating a stable lending activity. The average Liquidity Coverage Ratio (LCR) stood at 125.0%, highlighting the bank’s strong liquidity position.
Yes Bank shares opened at ₹17.94, reaching a high of ₹17.96 and a low of ₹17.40 during the session. The stock remains volatile, trading close to its 52-week low of ₹16.02, while its 52-week high stands at ₹28.55.
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