# Yes Bank

> Private banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/yes

## Loan book

- ₹2.73 lakh crore on 31 March 2026, the end of FY2025-26 (Net advances).
- ₹3.10 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: YES Bank Press Release and Investor Presentation Q4 FY26 (exchange filing), PDF page 19: https://nsearchives.nseindia.com/corporate/YESBANK_18042026140521_SE_Intimation_Press_Release_Investors_Presentation_signed.pdf

## Findings

- Grew 11% a year from March 2022 to March 2026, faster than 2 of the 29 other banks with like-for-like figures for those years.
- Growth picked up to 11% in FY2025-26, from 8.1% the year before.
- Slipped from 14th to 17th biggest of these 33 banks between March 2022 and March 2026.

## What it lends against (30 Sep 2026)

- Retail Banking: ₹1.31 lakh crore (42.4%)
- Corporate & Institutional Banking: ₹88,000 crore (28.4%)
- Commercial Banking: ₹75,043 crore (24.2%)
- FCTL: ₹15,215 crore (4.9%)

Source: YES Bank Press Release and Investor Presentation Q2 FY27 (exchange filing), PDF page 18: https://nsearchives.nseindia.com/corporate/YESBANK_17102026201157_SE_Intimation_signed.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 1,81,052 | 2,03,269 | 2,27,799 | 2,46,188 | 2,73,445 | 3,09,510 |
| Corporate and wholesale loans (₹ crore) | 72,413 | 53,986 | 52,976 | 59,073 | 77,442 | 88,000 |
| Deposits (₹ crore) | 1,97,192 | 2,17,502 | 2,66,372 | 2,84,525 | 3,18,969 | 3,54,004 |
| CASA ratio (%) | 31.10 | 30.80 | 30.90 | 34.30 | 35.10 | 30.00 |
| Branches (Number) | 1,122 | 1,192 | 1,234 | 1,255 | 1,334 | 1,336 |
| Mobile app users (Million) |  |  | 2.3 | 3.7 | 4.6 | 4.9 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Total Net Advances 203,269 194,573 181,052" (YES Bank Investor Presentation Q4 FY23 (exchange filing), PDF page 18) https://nsearchives.nseindia.com/corporate/YESBANK_24042023083025_SE_Intimation_Investors_Presentation_April_24_2023_signed.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Total Net Advances 227,799 217,523 203,269" (YES Bank Press Release and Investor Presentation Q4 FY24 (exchange filing), PDF page 38) https://nsearchives.nseindia.com/corporate/YESBANK_27042024132036_SEIntimationPressReleaseInvestorsPresentationsigned27042024.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Total Net Advances 227,799 217,523 203,269" (YES Bank Press Release and Investor Presentation Q4 FY24 (exchange filing), PDF page 38) https://nsearchives.nseindia.com/corporate/YESBANK_27042024132036_SEIntimationPressReleaseInvestorsPresentationsigned27042024.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Total Net Advances 273,445 257,451 246,188" (YES Bank Press Release and Investor Presentation Q4 FY26 (exchange filing), PDF page 19) https://nsearchives.nseindia.com/corporate/YESBANK_18042026140521_SE_Intimation_Press_Release_Investors_Presentation_signed.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Total Net Advances 273,445 257,451 246,188" (YES Bank Press Release and Investor Presentation Q4 FY26 (exchange filing), PDF page 19) https://nsearchives.nseindia.com/corporate/YESBANK_18042026140521_SE_Intimation_Press_Release_Investors_Presentation_signed.pdf
- Loan book, 30 Sep 2026: "Total Net Advances 309,510 285,118 250,212" (YES Bank Press Release and Investor Presentation Q2 FY27 (exchange filing), PDF page 18) https://nsearchives.nseindia.com/corporate/YESBANK_17102026201157_SE_Intimation_signed.pdf
- Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate 53,986 55,828 72,413" (YES BANK investor presentation, Q4 FY2023, PDF page 17) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT69C65CA88A4A4332AE9CFCF15B07C806/native/q4_fy23_final_presentation.pdf
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 53,986 55,828 72,413" (YES BANK investor presentation, Q4 FY2023, PDF page 17) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT69C65CA88A4A4332AE9CFCF15B07C806/native/q4_fy23_final_presentation.pdf
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 52,976 50,031 53,993" (YES BANK investor presentation, Q4 FY2024, PDF page 33) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTC2B09453319846C3A9649079061869C9/native/yesbank_q4_fy24_investor_presentation.pdf
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 59,073 63,435 52,977" (YES BANK investor presentation, Q4 FY2025, PDF page 16) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT3DB3FFF558A641F4B22815730551ECB5/native/ybl_yes_bank_investor_presentation_q4fy25.pdf
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate & Institutional Banking 77,442 70,625 64,700" (YES BANK investor presentation, Q4 FY2026, PDF page 14) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTBCA140C944B041D5B84446680F363E80/native/yes_bank_investor_presentation_mar_2026.pdf
- Corporate and wholesale loans, 30 Sep 2026: "Corporate & Institutional Banking 88,000 88,228 66,980" (YES BANK investor presentation, Q2 FY2027, PDF page 13) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTFBA8547CF87E4B70B0E73E1A380F1812/native/q2fy27_investor_presentation.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Total Deposits 162,947 184,288 197,192" (YES BANK investor presentation, Q4 FY2022, PDF page 16) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT4CA6DFE041404723B9B4D0C92E63079C/native/yes_bank_investor_presentation_for_the_quarter_ended_31march22_pdf.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 217,502 213,608 197,192" (YES BANK investor presentation, Q4 FY2023, PDF page 17) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT69C65CA88A4A4332AE9CFCF15B07C806/native/q4_fy23_final_presentation.pdf
- Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 266,372 241,831 217,502" (YES BANK investor presentation, Q4 FY2024, PDF page 32) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTC2B09453319846C3A9649079061869C9/native/yesbank_q4_fy24_investor_presentation.pdf
- Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 284,525 277,224 266,372" (YES BANK investor presentation, Q4 FY2025, PDF page 15) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT3DB3FFF558A641F4B22815730551ECB5/native/ybl_yes_bank_investor_presentation_q4fy25.pdf
- Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 318,969 292,524 284,525" (YES BANK investor presentation, Q4 FY2026, PDF page 13) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTBCA140C944B041D5B84446680F363E80/native/yes_bank_investor_presentation_mar_2026.pdf
- Deposits, 30 Sep 2026: "Total Deposits 354,004 315,373 296,276" (YES BANK investor presentation, Q2 FY2027, PDF page 14) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTFBA8547CF87E4B70B0E73E1A380F1812/native/q2fy27_investor_presentation.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "CASA Ratio 26.1% 30.4% 31.1%" (YES BANK investor presentation, Q4 FY2022, PDF page 16) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT4CA6DFE041404723B9B4D0C92E63079C/native/yes_bank_investor_presentation_for_the_quarter_ended_31march22_pdf.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "CASA Ratio 30.8% 29.9% 31.1%" (YES BANK investor presentation, Q4 FY2023, PDF page 17) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT69C65CA88A4A4332AE9CFCF15B07C806/native/q4_fy23_final_presentation.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA Ratio 30.9% 29.7% 30.8%" (YES BANK investor presentation, Q4 FY2024, PDF page 32) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTC2B09453319846C3A9649079061869C9/native/yesbank_q4_fy24_investor_presentation.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA Ratio 34.3% 33.1% 30.9%" (YES BANK investor presentation, Q4 FY2025, PDF page 15) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT3DB3FFF558A641F4B22815730551ECB5/native/ybl_yes_bank_investor_presentation_q4fy25.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA Ratio 35.1% 34.0% 34.3%" (YES BANK investor presentation, Q4 FY2026, PDF page 13) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTBCA140C944B041D5B84446680F363E80/native/yes_bank_investor_presentation_mar_2026.pdf
- CASA ratio, 30 Sep 2026: "CASA Ratio 30.0% 32.7% 33.7%" (YES BANK investor presentation, Q2 FY2027, PDF page 14) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTFBA8547CF87E4B70B0E73E1A380F1812/native/q2fy27_investor_presentation.pdf
- Branches, FY2021-22 (31 Mar 2022): "The Bank has 1,122 branches, 11 Major Offices" (YES BANK annual report 2021-22, PDF page 87) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT04D1FB0EB2BF454688B06CDC2E698701/native/annual_report_2021_22_pdf.pdf
- Branches, FY2022-23 (31 Mar 2023): "pan India network of 1,192 branches, 150 BCBO" (YES BANK investor presentation, Q4 FY2023, PDF page 3) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT69C65CA88A4A4332AE9CFCF15B07C806/native/q4_fy23_final_presentation.pdf
- Branches, FY2023-24 (31 Mar 2024): "pan India network of 1,234 branches, 219 BCBOs" (YES BANK investor presentation, Q4 FY2024, PDF page 2) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTC2B09453319846C3A9649079061869C9/native/yesbank_q4_fy24_investor_presentation.pdf
- Branches, FY2024-25 (31 Mar 2025): "pan India network of 1,255 branches, 235 BCBOs" (YES BANK investor presentation, Q4 FY2025, PDF page 24) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT3DB3FFF558A641F4B22815730551ECB5/native/ybl_yes_bank_investor_presentation_q4fy25.pdf
- Branches, FY2025-26 (31 Mar 2026): "1,334 branches, an IFSC Banking Unit" (YES BANK integrated annual report 2025-26, PDF page 54) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTF72F0CBA2A424C069306F1BE3A77B797/native/integrated_annual_report2025_26.pdf
- Branches, 30 Sep 2026: "Network Footprint stands at 1,336 branches and 249 BCBO outlets" (YES BANK investor presentation, Q2 FY2027, PDF page 21) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTFBA8547CF87E4B70B0E73E1A380F1812/native/q2fy27_investor_presentation.pdf
- Mobile app users, FY2023-24 (31 Mar 2024): "23.3 lakh ~15,600 Service Registered PL Sourced Request Users" (YES BANK investor presentation, Q4 FY2024, PDF page 16) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTC2B09453319846C3A9649079061869C9/native/yesbank_q4_fy24_investor_presentation.pdf
- Mobile app users, FY2024-25 (31 Mar 2025): "37.0 lakh" (YES BANK investor presentation, Q4 FY2025, PDF page 40) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT3DB3FFF558A641F4B22815730551ECB5/native/ybl_yes_bank_investor_presentation_q4fy25.pdf
- Mobile app users, FY2025-26 (31 Mar 2026): "46 Lakhs Registered customers" (YES BANK investor presentation, Q4 FY2026, PDF page 46) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTBCA140C944B041D5B84446680F363E80/native/yes_bank_investor_presentation_mar_2026.pdf
- Mobile app users, 30 Sep 2026: "49 L+ 42% 5.4 L+ 3.5 Cr+ Monthly Active Registered users" (YES BANK investor presentation, Q2 FY2027, PDF page 41) https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONTFBA8547CF87E4B70B0E73E1A380F1812/native/q2fy27_investor_presentation.pdf

CreditBrief is independent and not linked to any lender. Not investment advice.