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Shares of YES Bank fell over 4 per cent on Friday to hit an intraday low of ₹17.14 per share after the private lender reported its quarterly business update for the March 2025 quarter (Q4FY25). In comparison, the benchmark Nifty50 index fell over 1 per cent while the Nifty Bank index was up by 0.12 per cent at 12.58 PM.
In an exchange filing on Thursday evening, YES Bank reported a 6.8 per cent year-on-year (Y-o-Y) increase in total deposits to ₹2.84 trillion in Q4FY25 compared to ₹2.66 trillion in Q4FY24. On a quarterly basis, deposits grew 0.7 per cent from ₹2.77 trillion in the third quarter ended December 31, 2024 (Q3FY25).
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The bank’s CASA (current and savings accounts) ratio improved to 34.3 per cent in the March 2025 quarter from 30.9 per cent in the year-ago period. In the December 2024 quarter, the CASA ratio stood at 33.1 per cent.
According to the exchange filing, CASA deposits improved to ₹97,443 crore in Q4FY25, up 18.4 per cent from ₹82,317 crore in the year-ago period. On a quarterly basis, CASA deposits increased 6.3 per cent compared to ₹91,650 crore in December 2024 quarter.
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The private lender’s credit-to-deposit ratio stood at 86.7 per cent in Q4FY25, up from 85.5 per cent in Q4FY24 and 88.3 per cent in Q3FY25.
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The liquidity coverage ratio (LCR) increased to 125 per cent in Q4FY25 from 116.1 per cent in the year-ago period. In the December 2024 quarter, the bank's liquidity coverage ratio stood at 133.2 per cent.
Loans and advances stood at ₹2.46 trillion as of March 31, 2025, up 8.2 per cent from ₹2.27 trillion reported in the previous fiscal and 0.7 per cent from ₹2.44 trillion in the previous quarter.
YES Bank's stock has tanked around 39.7 per cent from its 52-week high of ₹28.55, touched on April 29, 2024. The stock is trading close to its 52-week low of ₹16.02.
On a year-to-date basis, the stock has tanked 12.3 per cent. It has underperformed the Nifty Private Bank index, which surged over 3.1 per cent in the same period.
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In the December 2024 quarter, YES Bank reported a nearly threefold increase in net profit to ₹612 crore compared to ₹231 crore in the corresponding quarter of the previous fiscal year. The bank had reported a total income of ₹9,341 crore in Q3 FY24, up 14 per cent from ₹8,179 crore in the year-ago quarter.
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