Synopsis:
Q2 updates show IndusInd Bank’s net advances and deposits falling, UCO Bank and AU Small Finance posting strong growth, and Yes Bank reporting moderate improvement, with CASA ratios showing mixed trends.
Midcap banks delivered a mixed set of updates for Q2 FY25‑26, with notable variations across advances, deposits, and CASA ratios. While some banks reported robust growth, others faced moderation in key metrics amid evolving macroeconomic conditions.
1. IndusInd Bank Limited
With a market cap of Rs. 58,621.6 crores, the stock moved down by around 2 percent on BSE to Rs. 734.1 on Monday. IndusInd Bank reported a year-on-year (YoY) decline of 8 percent in net advances, which stood at Rs. 3.27 lakh crore as of September 2025, compared to Rs. 3.57 lakh crore in the corresponding period last year.
Net deposits decreased by 5 percent YoY to Rs. 3.89 lakh crore, against Rs. 4.12 lakh crore in the previous year. The CASA ratio contracted to 30.80 percent, from 35.90 percent in the prior year.
Retail deposits and deposits from small business customers stood at Rs. 1,84,157 crore as of September 2025, marginally lower than Rs. 1,84,623 crore recorded as of June 2025.
2. UCO Bank
With a market cap of Rs. 39,148.5 crores, the stock moved up by around 4 percent on BSE to Rs. 32.01 on Monday. UCO Bank reported a 13.3 percent year-on-year (YoY) growth in total business, which rose to Rs. 5.37 lakh crore as of September 2025, compared to Rs. 4.74 lakh crore in the previous year.
Total advances increased by 16.67 percent YoY to Rs. 2.31 lakh crore from Rs. 1.98 lakh crore, while total deposits grew by 10.87 percent YoY to Rs. 3.06 lakh crore, up from Rs. 2.76 lakh crore.
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3. AU Small Finance Bank Limited
With a market cap of Rs. 56,037 crores, the stock moved up by around 2 percent on BSE to Rs. 755.45 on Monday.AU Small Finance Bank reported a 20.8 percent year-on-year (YoY) increase in total deposits, which rose to Rs. 1.32 lakh crore as of September 2025, compared to Rs. 1.09 lakh crore in the prior year. Gross advances grew by 22.4 percent YoY, reaching Rs. 1.17 lakh crore against Rs. 96,033 crore previously. The CASA ratio declined to 29.4 percent from 32.4 percent.
4. Yes Bank Limited
With a market cap of Rs. 68,956.3 crores, the stock moved up by around 2 percent on BSE to Rs. 22.2 on Monday. Yes Bank reported a 6.5 percent year-on-year (YoY) growth in loans and advances, which rose to Rs. 2.50 lakh crore as of September 2025, compared to Rs. 2.35 lakh crore in the previous year. Deposits increased by 7.1 percent YoY to Rs. 2.96 lakh crore from Rs. 2.77 lakh crore, while the CASA ratio improved to 33.8 percent from 32 percent.
Written by Shivani Singh
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