What it measures
CASA stands for Current Account and Savings Account. The ratio shows how much of a bank's deposits come from these low-cost sources, as opposed to term deposits that pay a fixed, higher rate.
In one line: CASA ratio = (current account deposits + savings account deposits) / total deposits. It is a percentage.
How to read it
Higher CASA means cheaper funding and better margins. A bank can lend the money out at the same rate but pay less for it. Watch the direction: a falling ratio means the bank is paying more for its funding mix, which tends to press NIM.
Where it misleads
Banks do not all use the same denominator. Some give CASA as a share of deposits, some as a share of total funding, and some use average balances rather than period-end ones. A ratio can also fall while CASA balances grow, if term deposits grow faster. Always read the balance as well as the ratio, and check which base the bank used.
Worked example
BCA's Q1 2026 post reports consolidated CASA up 11.2% year-over-year to Rp1,089.1 trillion. It gives the bank-only measure as CASA to total funding, not to deposits: 85.2% in March 2026, against 84.6% in December 2025 and 82.9% in March 2025.
For contrast, ICICI Bank's Q2 FY2027 post reports an average CASA ratio, on deposits, of 35.8%, down from 39.2% a year earlier and 38.1% the previous quarter. Average CASA balances still grew 10.7% year-on-year, but average term deposits grew 28.0%, so the share fell. The two figures use different bases and should not be set side by side.
Where to find it
Balance sheet, and the bank's ratio table or investor presentation.
See also: NIM, Loan-to-Deposit Ratio, FCNR(B).