YES Bank’s CASA rises 28.4% YoY in July-September quarter

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26 Aug, 2025 12:21

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Private sector lender YES Bank on October 3 reported a 28.4 percent year-on-year rise in its current and savings accounts (CASA) at Rs 88,559 crore in the second quarter of the current financial year.

The CASA ratio came in at 32 per cent for the Q2FY25, as against 30.8 per cent in a quarter ago period and 29.4 per cent in the year-ago period.

The total deposits of the bank increased 18.3 percent year-on-year to Rs 2.77 lakh crore in July-September quarter, as against 2.34 lakh crore in a year-ago period. On a sequential basis, deposits have grown only 4.6 percent.

In April-June quarter of FY25, deposits of the Mumbai-headquartered lender stood at Rs 2.65 lakh crore. The lender's liquidity coverage ratio declined sequentially.

Loans and advances of the bank jumped to Rs 2.37 lakh crore in Q2FY25, as against Rs 2.3 lakh crore in the quarter ago period and Rs 2.09 lakh crore in the year-ago period. On an annual basis, loans and advances rose 13.1 percent, and on a sequential basis, they grew 3 percent.

Prashant Kumar, managing director and chief executive of YES Bank, in an interview with Moneycontrol on September 30, said that the bank will continue to grow its deposits faster than loans.

In April-June quarter, the lender had reported a 47 percent rise in its profit after tax at Rs 502 crore in the first quarter of the current financial year. On sequential basis, net profit rose 11.2 percent.

The gross non-performing assets (NPA) ratio of the bank stood at 1.7 percent as of June 30, as compared to 1.7 percent in the quarter-ago period and 2 percent in the year-ago period.
Similarly, the quarterly net NPA ratio declined to 0.5 percent as of June 30, compared to 0.6 percent sequentially, and 1 percent year-on-year.