Yes Bank Shares Surge as Q1 Advances Jump 18% to Rs 2.85 Lakh Crore, Deposits Increase by 14%

The recent provisional business update from Yes Bank for the first quarter of FY27 indicates a robust performance, particularly in terms of loan and deposit growth. The bank reported an 18.4% year-on-year increase in loans and advances, reaching Rs 2.85 lakh crore, compared to Rs 2.41 lakh crore in the same quarter of the previous financial year. Sequentially, advances have also shown a positive trajectory, up by 4% from Rs 2.73 lakh crore in Q4 FY26. In addition, deposits surged over 14% year-on-year to Rs 3.15 lakh crore, although there was a slight decline of over 1% quarter-on-quarter from Rs 3.19 lakh crore noted in the previous quarter.

On the liquidity front, Yes Bank’s Liquidity Coverage Ratio (LCR) has improved significantly, reaching 138.5%, up from 119% in Q4 FY26. This enhancement is noteworthy as it indicates a healthy buffer against liquidity risks. Additionally, the credit-to-deposit ratio has risen to 90.5%, suggesting a balanced approach to loan disbursements relative to total deposits. However, a decrease in current account savings account (CASA) deposits by 8% quarter-on-quarter could be a concern, despite a year-on-year increase of 14.3%. The slight decline in Certificate of Deposits (CDs) further adds a layer of complexity to the bank’s deposit strategy.

Despite these positives, Yes Bank shares have experienced a volatile week, falling around 3%, though they have garnered a 5% gain over the month and an impressive 13% increase thus far in 2026. The stock is currently trading at Rs 24.39 apiece, reflecting a significant recovery from its 52-week low of Rs 17.20 in March, a period during which shares surged nearly 50% to a high of Rs 25.78 in June. Nevertheless, it has dipped over 5% from that peak, indicating some investor caution in recent sessions.

With a market capitalization exceeding Rs 76,519 crore and a reported annual growth of 22% in shares over the last year, Yes Bank’s performance statistics seem to be in a strengthening phase. These provisional numbers set an optimistic outlook ahead of the forthcoming audited results, which could provide further clarity on the bank’s financial health and its operational resilience in a competitive market landscape.

Source: The Economic Times

(Expert Note: This report was prepared by the Wealthova team.)