Yes Bank’in Ikinci Çeyrek Verileri Kredide Yoğunluk ve Mevduatta Güçlenme Gösterdi

Kısaca

Yes Bank’in kredi büyümesi yaklaşık yüzde 24, mevduat büyümesi yaklaşık yüzde 20 olarak duyuruldu; kredi 3,1 lakh crore düzeyinde, mevduat 3,54 lakh crore civarında. Görülen artışlar, yıl içi finansal tabloya işaret eder ve piyasa dikkatini çekti. Gelecek dönemde kredi ve mevduat trendlerinin sürdürülmesi ve göstergelerin izlenmesi bekleniyor; yatırımcılar için temel göstergeler takipte olacak.

Ana mesele

Yes Bank’in ikinci çeyrek kredileri yaklaşık yüzde 24 artarken mevduatlarda yaklaşık yüzde 20 büyüme kaydedildi.

Ne değişti?

Kredilerin büyümesi sürüyor ve mevduat büyümesi istikrar kazandı; bunun finansal sağlığa etkisi mercek altında.

Beni nasıl etkiler?

Okuyucuya bankanın büyüme ivmesini ve mevduat gücünü gösteren haber.

Ne oldu?

Yes Bank, 2027 mali yılı ikinci çeyrekte kredi büyümesini yaklaşık yüzde 24 olarak bildirdi.

Neden şimdi?

Küresel ve yerel riskler nedeniyle finansal göstergelerin dikkatle izlenmesi gereken bir dönemde açıklama yapıldı.

Neden önemli?

Kredi ve mevduat büyümesi bankanın likidite ve karlılık görünümünü etkiler.

Kimler etkileniyor?

• Yatırımcılar
• Kullanıcılar (hesap sahipleri)

Sektör ve piyasa etkisi

Bankacılık sektörü üzerinde olumlu güveniş ve volatilite etkisi olabilir

Riskler

• Faiz oranları değişimi
• Para politikası belirsizlikleri
• Piyasa dalgalanmaları

Takip edilmesi gerekenler

• Kredilerin geri ödeme kapasitesi
• Mevduat kalitesindeki değişim
• Regülasyon ve Merkez Bankası politikaları

Haberin tamamı

Shares of Yes Bank gained 3% to Rs 21.22 on the BSE on Monday after the private lender released its provisional business update for the July-September quarter of the ongoing financial year 2027, reporting a nearly 24% surge in loans and advances, while deposits grew around 20% during the period.The company on Sunday reported that its loans and advances stood at around Rs 3.1 lakh crore at the end of the second quarter of FY27, marking 23.8% year-on-year growth from the Rs 2.5 lakh crore loan book reported in the same period of FY26, and 8.6% sequential rise from the Rs 2.85 crore reported in the first quarter of the ongoing financial year 2027.Also read | RBI could keep rates higher for longer amid global and local risksYes Bank's deposits rise 20% YoY to Rs 3.5 lakh croreYes Bank’s deposits meanwhile rose 19.5% YoY to Rs 3.54 lakh crore in Q2 FY27 from Rs 2.96 lakh crore in the corresponding quarter of the previous financial year.

Sequentially, the private lender’s deposits grew 12.3% quarter on quarter from Rs 3.15 lakh crore reported in Q1 FY27. Deposits growth normalised for FCNR(B) stood at 6.5% YoY and 13.2% QoQ. CASA deposits rose around 7% YoY to Rs 1.06 lakh crore.The bank’s CASA ratio stood at 30% in Q2 FY27, as against 33.7% in Q2 FY26 and 32.7% in Q1 FY27. Normalised for the special RBI scheme, its CASA ratio stood at 31.7% during the second quarter of FY27.

Its Credit to Deposit Ratio rose slightly YoY to 87.5% during the quarter under review from 84.5% in the same period last year, although it contracted from 90.4% reported in the quarter which ended on June 30, 2026.Yes Bank share priceYes Bank shares have fallen over 2% in a week and 8% in a month, amid an overall decline in the stock market.

The shares of the private lender have dropped more than 3% in 2026 so far, outperforming the broader Nifty Bank index which has tumbled around 9% at the same time, driven by multiple headwinds.In the longer term, Yes Bank shares have delivered around 21% returns over three years and more than 58% in five years. The company has a market capitalisation of more than Rs 65,130 crore.Also read | Market crash wipes out Rs 26 lakh cr in 8 weeks!

Why soaring bond yields may hurt Sensex, Nifty more than elevated oil pricesDisclaimer: This article has been written by Debaroti Adhikary, who is not a SEBI-registered Research Analyst or an Investment Adviser. Debaroti Adhikary and his/her ‘relative(s)’ (as defined under Section 2(77) of the Companies Act, 2013) do not hold any financial interest in the companies mentioned in this article as of the date of publication.

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Kaynaklar

• Economic Times - Markets