Yes Bank Q1 Updates: Loans, Deposits Decline
The credit-deposit ratio rose to 87.5% from 86.5% a year earlier.
Yes Bank Ltd. saw a quarter-on-quarter decline in loans and deposits, according to an exchange filing on Thursday.
The bank's loans and advances fell 2% quarter and quarter to Rs 2.41 lakh crore compared to the previous quarters' 2.46 lakh crore. Its deposits reduced 3% on a QoQ basis to Rs 2.75 lakh crore from the March quarter's Rs 2.84 lakh crore.
The current-account savings-account ratio, a key indicator of a bank's financial health and used to assess its profitability, stood at 32.7% at the end of June in comparison to 30.8% in June 2024 and 34.3% in March 2025.
The credit-deposit ratio rose to 87.5% from 86.5% a year earlier. A CD ratio is an important indicator of a bank's health because it shows how well the bank can cover loan losses and customer withdrawals.
Shares of Yes Bank's closed 0.64% lower at Rs 20.15 apiece on the NSE, compared to a 0.19% fall in the benchmark Nifty. The stock has fallen 15.80% in the last 12 months and risen 2.86% on a year-to-date basis.
Out of 11 analysts tracking the company, one has a 'hold' rating on the stock, 10 recommend 'sell', according to Bloomberg data. The average of 12-month analysts' price target implies a potential downside of 16.7%.
