Yes Bank has reported a steady performance in its Q4FY25 business update, with loans and advances growing 8.2% year-on-year (YoY) to ₹2,46,539 crore as of March 31, 2025, compared to ₹2,27,799 crore a year earlier. On a sequential basis, loans rose 0.7% from ₹2,44,834 crore in Q3FY25.
Deposits increased by 6.8% YoY, reaching ₹2,84,488 crore in Q4FY25 versus ₹2,66,372 crore in Q4FY24. Quarter-on-quarter (QoQ), deposits grew 2.6%, up from ₹2,77,224 crore in the preceding quarter.
The bank’s CASA (Current Account and Savings Account) deposits rose 18.4% YoY to ₹97,443 crore, with the CASA ratio improving to 34.3% from 30.9% in Q4FY24 and 33.1% in Q3FY25. This suggests a growing share of low-cost deposits in the bank’s funding mix.
Yes Bank also reported a credit-to-deposit ratio of 86.7% for the March quarter, slightly lower than the 88.3% reported in Q3FY25. Its average Liquidity Coverage Ratio (LCR) on a consolidated basis stood at 125.0%, ensuring a strong liquidity buffer.
The numbers are provisional and subject to audit and board approvals. The final results for Q4 and FY25 will be announced after review by the Audit Committee and statutory auditors.
Disclaimer: This article is for informational purposes only and does not constitute investment advice.
