YES Bank shares in focus after Q3 business updates; check details

By Admin

05 Jan, 2026

YES Bank shares are set to remain in focus as investors react to the private lender’s Q3 business update for the quarter ended December 31, 2025. The bank released its provisional figures on Saturday, January 03, ahead of the trading session on Monday, January 05, providing key insights into its loan growth, deposit trends, liquidity position, and overall financial momentum.

Q3 Business Update Overview
According to the provisional business figures, YES Bank reported steady growth across key balance sheet parameters during the December 2025 quarter. The updates highlight moderate expansion in loans and advances, stable deposit performance, and improvements in certain efficiency ratios, reflecting the bank’s ongoing recovery and consolidation phase.

Loans and Advances Performance
YES Bank’s loans and advances rose 5.2 per cent year-on-year to Rs 2,57,508 crore as of December 31, 2025, compared to Rs 2,44,834 crore in December 2024. On a quarter-on-quarter basis, advances grew 2.9 per cent from Rs 2,50,212 crore reported at the end of September 2025. This growth indicates sustained credit demand and cautious but consistent lending activity.

Deposit Growth and Trends
The bank’s total deposits stood at Rs 2,92,484 crore, marking a 5.5 per cent increase year-on-year from Rs 2,77,224 crore. However, deposits declined marginally by 1.3 per cent on a quarter-on-quarter basis from Rs 2,96,276 crore. Certificates of Deposit (CDs) remained largely stable, inching up slightly to Rs 990 crore from Rs 987 crore in the previous quarter.

CASA Ratio and Retail Strength
YES Bank’s current and savings account (CASA) balances reached Rs 99,443 crore, reflecting an 8.5 per cent year-on-year increase. The CASA ratio, including CDs, improved to 34 per cent, compared to 33.1 per cent a year ago. On a quarter-on-quarter basis, the CASA ratio stood at 33.7 per cent as of September 30, 2025, indicating gradual strengthening of the bank’s low-cost deposit base.

Credit-to-Deposit and Liquidity Position
The credit-to-deposit ratio improved to 88 per cent during the quarter, up from 84.5 per cent in the previous quarter, and close to the 88.3 per cent level seen in December 2024. The liquidity coverage ratio (LCR) stood at 123.8 per cent, compared with 125.1 per cent in the previous quarter and 133.2 per cent a year ago, remaining comfortably above regulatory requirements.

Stock Performance and Market Reaction
Shares of YES Bank settled at Rs 22.29 on Friday, registering a gain of 3.72 per cent for the day. The bank’s market capitalization stood close to Rs 70,000 crore. The stock has gained nearly 12 per cent over the last six months and is up around 18 per cent on a year-on-year basis, although it has remained largely flat over the past one month.

Conclusion
YES Bank’s Q3 business update reflects steady progress in loan growth, improving CASA ratios, and a stable liquidity position, which is likely to keep the stock in focus for investors. While deposit growth showed a slight sequential moderation, the overall business momentum and balance sheet indicators suggest cautious optimism as the bank continues to strengthen its fundamentals.