Yes Bank Q4 Business Update: Steady Growth & Improving Deposits

Key Highlights (Mar 2026) • Loans & Advances: ₹2,72,454 Cr (↑5.8% QoQ, ↑10.7% YoY) • Deposits: ₹3,18,970 Cr (↑9.0% QoQ, ↑12.1% YoY) • CASA Deposits: ₹1,11,960 Cr (↑12.5% QoQ, ↑14.9% YoY) • CASA Ratio (incl CDs): 35.1% • Credit-Deposit Ratio: 85.4% • Liquidity Coverage Ratio (LCR): 119.0% What Stands Out • Strong deposit growth outpacing loan growth • Healthy rise in CASA deposits, supporting lower cost of funds • Comfortable liquidity position (LCR above regulatory requirement) Why It Matters Improving deposit franchise and liquidity metrics indicate stabilization and gradual strengthening of the balance sheet. Learning Outcome For banks, deposit growth and CASA ratio are key indicators of funding strength. A balanced credit-deposit ratio and strong liquidity ensure financial stability.