YESBANKNSE19 July 2025

YES Bank Limited has informed the Exchange regarding a press release dated July 19, 2025, titled "Press Release and Investor Presentation on the Financial Results for the Quarter (Q1) ended on June 30...

Yes Bank Limited

YBL/CS/2025-26/70

July 19, 2025

National Stock Exchange of India Limited Exchange Plaza, Plot no. C/1, G Block, Bandra - Kurla Complex Bandra (E), Mumbai - 400 051 NSE Symbol: YESBANK

BSE Limited Corporate Relations Department P.J. Towers, Dalal Street Mumbai – 400 001 BSE Scrip Code: 532648

Dear Sir / Madam,

Sub.: Press Release and Investor Presentation on the Financial Results for the Quarter

(Q1) ended on June 30, 2025

Ref.: Reg. 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations,

2015 (“Listing Regulations”)

This is further to the Outcome of Board Meeting held on July 19, 2025, wherein the Bank had disclosed the Un-Audited Standalone and Consolidated Financial Results of the Bank for the Quarter (Q1) ended on June 30, 2025, along with the Limited Review Report of the Joint Statutory Auditors of YES Bank Limited (“the Bank”).

A Press Release and Investor Presentation on the Financial Results for the Quarter (Q1) ended on June 30, 2025, is also enclosed herewith for appropriate dissemination.

The weblink of BSE Limited and National Stock Exchange of India Limited providing the above information is being hosted on the Bank’s website www.yesbank.in pursuant to Listing Regulations, as amended.

You are requested to take the same on record and acknowledge the receipt.

Thanking you,

Yours faithfully,

For YES BANK LIMITED

Sanjay Abhyankar Company Secretary

Encl: Press Release and Investor Presentation

YES BANK ANNOUNCES FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 30, 2025

Key Highlights

July 19, 2025

 Q1FY26 PAT at INR 801 Crs up 59.4% Y-o-Y & 8.5% Q-o-Q - marked the 7th straight

consecutive quarter of PAT improvement. For Q1FY26,

• RoA at 0.8% v/s. 0.5% in Q1FY25 & 0.7% in Q4FY25

• NIM flat Q-o-Q at 2.5% and up 10bps Y-o-Y

o Cost of Deposits lower 20bps both Y-o-Y and Q-o-Q to 5.9%

• Non-Interest Income at INR 1,752 Crs up 46.1% Y-o-Y

• Cost to Income Ratio at 67.1% v/s 74.3% in Q1FY25 and 67.3% in Q4FY25

• Operating Costs at INR 2,766 Crs up 8.1% Y-o-Y and up 2.4% Q-o-Q

• Operating Costs (excl PSLC related costs) up 5.7% Y-o-Y

 Operating Profit at INR 1,358 Crs up by 53.4% Y-o-Y and 3.3% Q-o-Q – marked the 4th

straight consecutive quarter of Operating Profit improvement

 Balance Sheet focus continues on the granularization

• EOP Total Deposit accretion (up 4.1% Y-o-Y)

Improvement in CASA Ratio (up 200 bps Y-o-Y) to 32.8% with stronger Y-o-Y growth in CASA Deposits at 10.8%

o Retail & Branch Banking led Deposits growth at 20% Y-o-Y; Retail CASA at 38.2% • Net Advances at INR 2,41,024 Crs up by 5.0% Y-o-Y aided by Strong growth in

Commercial Banking (19.0% Y-o-Y) and Micro Banking (11.2% Y-o-Y)

 Stable Asset Quality metrics with GNPA at 1.6%, NNPA at 0.3%; Provision Coverage Ratio

improved to 80.2%

 Resolution momentum continues to be strong with Total recoveries and upgrades at INR

1,170 Crs in Q1FY26

 Restructured Advances at INR 378 Crs (~0.2% of Advances v/s ~1.6% in Q1FY25)

 Credit Rating Upgrades: Moody’s upgraded long term rating to Ba2 with revision of outlook to ‘Stable’. Also, CARE & ICRA upgraded Long Term rating to AA- from A+ and A respectively (in Jul’25) with revision of outlook to ‘Stable’

1 Including recoveries from Security Receipts of INR 338 Crs.

Commenting on the results and financial performance, Mr. Prashant Kumar, Managing Director & CEO, YES BANK said, “The Bank entered the new financial year on a strong footing and delivered a robust performance with net profit rising to INR 801 crs, marking a 59.4% YoY growth. Key metrics such as RoA (0.8%), PPoP (INR1,358 crs), and NIM (2.5%) showed notable improvement. Asset quality remained stable, CASA witnessed healthy growth, and CET1 strengthened to 14.0%

Other key highlights of the quarter were i) Credit rating upgrades from Moody’s, ICRA, and CARE underscore the Bank’s solid fundamentals and accelerating growth momentum ii) Sumitomo Mitsui Corporation Bank (SMBC) entered into definitive agreement to acquire ~20% equity stake in YESBANK from SBI & Other Banks

Page 1 of 4

Profit and Loss

Financial Highlights

 Q1FY26 NII at INR 2,371 Crs up 5.7% Y-o-Y and 4.2% Q-o-Q aided by reduction in

Cost of Funds

 NIM for Q1FY26 at 2.5% trending upward Y-o-Y, supported by reduction in deposits made in lieu of PSL shortfall and SA rate cut reduction, partially offset by repricing impact

 Non-Interest Income at INR 1,752 Crs, up 46.1% Y-o-Y (aided by Treasury Income)

and 0.7% Q-o-Q

 Operating Costs at INR 2,766 Crs up 8.1% Y-o-Y and 2.4% Q-o-Q. Excl. PSLC cost,

Opex up 5.7% Y-o-Y and 1.3 % Q-o-Q

 Provision Costs (Non-Tax) at INR 284 Crs for Q1FY26 up ~34% Y-o-Y but lower

10.7% Q-o-Q

 Operating Profit for Q1FY26 at INR 1,358 Crs up 53.4% Y-o-Y & 3.3% Q-o-Q.

 Net Profit for Q1FY26 at INR 801 Crs up 59.4% Y-o-Y & 8.5% Q-o-Q.

 Q1FY26 RoA at 0.8% v/s. 0.5% in Q1FY25 & 0.7% in Q4FY25

Balance Sheet

 Net Advances at INR 2,41,024 Cr, registered growth of 5.0% Y-o-Y

• Granular/ Diversified loan book – Cumulative Share of Retail Banking Segment &

Commercial Banking Segment at ~74%

• Micro Enterprise Banking segment which is now part of Retail Banking Segment up

11.2% Y-o-Y

• Commercial Banking Advances up 19.0%

 C/D ratio at 87.4% v/s. 86.5% in Q4FY25 and 86.6% in Q1FY25

 Total Deposits at INR 275,843 Cr grew 4.1% Y-o-Y, with continued focus on granular,

low-cost deposits with healthy CASA Ratio

• CASA Ratio at 32.8% v/s. 30.8% in Q1FY25 up 200bps

• Retail CASA Accounts opened: ~251K in Q1FY26

• Retail and Small Business Deposits (Gross LCR Definition) grew 9% Y-o-Y

• CASA + Retail TDs at 65.5% v/s. 64.4% in Q4FY25 v/s 57.6% in Q1FY25 .

 Average Quarterly LCR during the quarter remains healthy at 135.8%; LCR as on June

30, 2025 at 129.7%

 CET I Ratio further improved to ~14.0% v/s. 13.3% in Q1FY25 and 13.5% in Q4FY25

• RWA to Total Assets at 72.7% v/s 71.3 % in Q4FY25 and 70.3% in Q1FY25

 Deposits made in lieu of prior period PSL shortfalls at INR 36,799 Crs - lower ~16%

Y-o-Y; correspondingly Borrowings down 16.9% Y-o-Y

Page 2 of 4

Asset Quality

 GNPA Ratio at 1.6% in Q1FY26 flat Q-o-Q and down 10 bps Y-o-Y

 NNPA Ratio at 0.3% in Q1FY26 flat Q-o-Q and down 20 bps Y-o-Y

 PCR at 80.2% in Q1FY26 v/s 79.7% in Q4FY25 and 67.6% in Q1FY25

 Gross Slippages for Q1FY26 at INR 1,458 Crs (2.4% of Advances) v/s. INR 1,223 Crs

(2.0% of Advances) in Q4FY25.

• Slippages Net of Recoveries and Upgrades in Q1FY26 at INR 805 Crs v/s. INR 696

Crs last quarter

• Gross Slippages (excl Slipped and Recovered in the same quarter) for Q1FY26 at INR 1,309 Crs (2.2% of Advances) v/s. INR 1,161 Crs (1.9% of Advances) in Q4FY25

 Resolution momentum continues to be strong with Total Recoveries & Upgrades for

Q1FY26 at INR 1,170 Crs

Other Highlights/ Achievements

 Sumitomo Mitsui Corporation Bank (SMBC) entered into definitive agreement to acquire ~20% equity stake from SBI & Other Banks3, SBI continues to be a Major Shareholder

 Appointed Mr. D. Shivakumar as Non-Executive Director - nominee of Verventa

Holdings Limited (affiliates of Advent International)

 Went live with Direct Tax and Custom Duty Payment Facility

 Recognized among India’s Best Workplaces™ in Banks 2025 (Jul’25) and India’s TOP

50 Best Workplaces™ in BFSI 2025 (Apr’25)

 Receives a Special Mention Award in Fraud Prevention and Grievance Management

category at the Digital Payments Award 2025 by Hon’ble Finance Minister

3 Other bank shareholders include Axis Bank, Bandhan Bank, Federal Bank, HDFC Bank, ICICI Bank, IDFC First Bank and Kotak Mahindra Bank

YES BANK’s Analyst conference call, scheduled on July 19, 2025 at 3:00 PM IST, can be heard at following link: https://www.yesbank.in/about-us/investor-relations/financial-information/financial-results

ABOUT YES BANK

YES BANK, a full-service commercial bank headquartered in Mumbai, offers a wide array of products, services, and digital solutions, catering to Retail, MSME, and Corporate clients. The Bank operates its Brokerage business through YES SECURITIES, a subsidiary of the Bank. The Bank has a pan-India presence including an International Banking Unit (IBU) at GIFT City, and a Representative Office in Abu Dhabi. For more information, please visit the Bank's website at https://www.yesbank.in/

For further information, please contact:

YES BANK Neha Chandwani Lead Corporate Communication

Email: neha.chandwani@yesbank.in

Page 3 of 4

Financial Highlights from Q1FY26 Results

Profit & Loss Statement Highlights

(INR Crs)

Q1FY26

Q4FY25

Growth %

Q1FY25

Growth %

Net Interest Income

Non Interest Income

Total Net Income

Operating Profit/(Loss)

Provisions

Net Profit / (Loss)

Basic EPS (INR)

2,371

1,752

4,124

1,358

284

801

0.26

2,276

1,739

4,016

1,314

318

738

0.24

4.2%

0.7%

2.7%

3.3%

-10.7%

8.5%

2,244

1,199

3,443

885

212

502

0.16

5.7%

46.1%

19.8%

53.4%

34.1%

59.4%

55.4%

Key P & L Ratios

Q1FY26

Q4FY25

Q1FY25

Return on Assets (annualized)

Return on Equity (annualized)

NIM

Cost to Income

Non interest inc to income

0.8%

6.6%

2.5%

67.1%

42.5%

0.7%

6.2%

2.5%

67.3%

43.3%

0.5%

4.5%

2.4%

74.3%

34.8%

(INR Cr)

Advances

Deposits

Shareholder’s Funds

Total Capital Funds

Total Assets

CRAR 2 CET I 2

Book Value per share (INR)

Gross NPA (%)

Net NPA (%) NPA PCR 3 Std. Restructured Advances (Gross) 4 Security Receipts (Net)

CASA Ratio

Average LCR

Balance Sheet Highlights

30-Jun-25

31-Mar-25

Growth

30-Jun-24

Growth

5.0%

4.1%

6.6%

1.8% 0.6%

241,024

275,843

48,644

48,248 410,248

246,188

284,525

47,780

47,223 423,422

-2.1%

-3.1%

1.8%

2.2% -3.1%

Key Balance Sheet Ratios

16.2%

14.0%

15.5

1.6%

0.3%

15.6%

13.5%

15.2

1.6%

0.3%

88.0%

87.6%

378

NIL

424

NIL

32.8%

34.3%

135.8%

125.0%

229,565

265,072

45,649

47,389 407,697

16.5%

13.3%

14.6

1.7%

0.5%

80.1%

3,643

857

30.8%

137.8%

1 Annualized 3 Incl. Technical W/Os

2 Includes Profits 4 Already implemented as of respective date (across various categories including Covid related)

Page 4 of 4

INVESTOR PRESENTATION Q1FY26 Financial Results

July 19, 2025

Contents

Financial Results- Q1FY26

YES BANK Franchise

Results At a Glance – Q1FY26

All figures in INR Crs

Arrows indicative of Y-o-Y trends

Total Assets

Advances

410,248

(3.1%): Q-o-Q 0.6%: Y-o-Y

241,024

(2.1%) : Q-o-Q 5.0%: Y-o-Y

Deposits

275,843

(3.1%) : Q-o-Q 4.1%: Y-o-Y

CD Ratio

Advances Mix1

Disbursement2

87.4%

v/s.

86.5% Q4FY25

86.6% Q1FY25

Retail :

Commercial:

Corp. & Insti. Banking (CIB)

49%:25%:26%

49% : 25% : 26% in Q4FY25

52% : 22% : 26% in Q1FY25

18,812

(32.2)%: Q-o-Q; (10.4% ): Y-o-Y

Net Interest Income

Non-Interest Income

Operating Profit

Profit After Tax

NIM%

C/I Ratio

2,371

4.2%: Q-o-Q; 5.7%: Y-o-Y

1,752

0.7%: Q-o-Q 46.1%: Y-o-Y

1,358

3.3%: Q-o-Q 53.4% : Y-o-Y

801

8.5%: Q-o-Q 59.4%: Y-o-Y

2.5%

v/s.

2.5% Q4FY25 2.4% Q1FY25

67.1%

v/s.

67.3% Q4FY25 74.3% Q1FY25

CASA Ratio

CET 1 Ratio3

GNPA

NNPA

32.8%

v/s.

34.3% Q4FY25

30.8% Q1FY25

14.0%

v/s.

13.5% Q4FY25

13.3% Q1FY25

1.6%

v/s.

1.6% Q4FY25

1.7% Q1FY25

0.3%

v/s.

0.3% Q4FY25

0.5% Q1FY25

Net Carrying Value of SRs as % of Advances

RoA

NIL

v/s.

0.0%:Q4FY25

0.4% Q1FY25

0.8%

v/s.

0.7% Q4FY25 0.5% Q1FY25

1 Advances breakup restated basis revision in internal business segmentation ; Retail Banking Segment includes Retail Assets and Micro Enterprise Banking erstwhile part of SME Book , Commercial Banking Segment includes Mid Corporates , Medium and Small Enterprises Business and Erstwhile ELC segment and Corporate Segment including Large Corporate and Institutional Banking 2 Includes Limit Setup for Micro Enterprise Banking 3 Includes Profits

Highlights for Q1FY26 (1)

Balance Sheet Highlights

▪ Sustained traction in retail and branch led granular deposits; Retail & Branch Led Deposits momentum remains strong

• EOP Total Deposits at INR 2,75,843 Crs grew 4.1% Y-o-Y; AQB1 Total Deposits grew 3.7% Y-o-Y

• EOP CASA Deposits at INR 90,351 Crs grew 10.8% Y-o-Y; AQB1 CASA Deposits grew 17% Y-o-Y

• CASA Ratio at 32.8% up 200 bps Y-o-Y

• EOP Retail & Branch Led Granular Deposits at INR 1,68,563 Crs grew 20% Y-o-Y; AQB1 Balances grew 19% Y-o-Y

• Retail & Branch Led CASA Ratio at 38.2% up 200 bps Y-o-Y

▪ Advances at INR 2,41,024 Crs up by 5.0% Y-o-Y; Cumulative Share of Retail Banking Segment & Commercial Banking Segment at ~74%

• Retail Banking Segment advances up 0.3% Y-o-Y2; Calibrated growth within focus sub-segments

• Within that, the Micro Enterprise Segment (MIB) advances grew higher at 11.2% Y-o-Y

• Commercial Banking Segment Advances were up 19% Y-o-Y2

• Corporate & Institutional Banking Segment Advances up 2.7% Y-o-Y2

▪ CET I Ratio further improved to ~14.0% v/s. 13.3% in Q1FY25 and 13.5% in Q4FY25

▪ Deposits made in lieu of prior period PSL shortfalls at INR 36,799 Crs; lower ~16% Y-o-Y; correspondingly Total Borrowings also brought down by ~17% Y-o-Y

▪ NIL Shortfall in PSL Compliance

▪ Stable Asset Quality, Improved Provision Coverage Ratio

• GNPA ratio at 1.6% lower on Y-o-Y (at 1.7%) and flattish on Q-o-Q basis; Net NPA ratio at 0.3% v/s. 0.5% in Q1FY25 and 0.3% in Q4FY25

• Restructured advances at INR 378 Crs (~0.2% of Advances v/s. ~1.6% in Q1FY25)

• NPA Provision Coverage Ratio (PCR) further increased to 80.2% v/s.79.7% in Q4FY25 and 67.6% in Q1FY25

• Resolution momentum continues to be strong with Total Recoveries & Upgrades for Q1FY26 at INR 1,170 Crs3

• Gross Slippages for Q1FY26 at INR 1,458 Crs (2.4% of Advances)4 v/s. INR 1,223 Crs (2.0% of Advances)4 in Q4FY25

1 Average Quarterly Balance; 2 Growth rates normalised for Inter- segment movement of Products and Customers during the quarter; 3 Including recoveries from Security Receipts of INR 338 Crs; 4 Annualized and expressed as % of period end balance

Highlights for Q1FY26 (2)

P&L Highlights

▪ Highest Quarterly Net Profit since Reconstruction of INR 801 Crs for Q1FY26; up 59.4% Y-o-Y & 8.5% Q-o-Q

• Q1FY26 RoA at 0.8% v/s. 0.5% in Q1FY25 & 0.7% in Q4FY25

• Q1FY26 Operating Profit at INR 1,358 Crs up by 53.4% Y-o-Y and 3.3% Q-o-Q

▪ Q1FY26 NIM up 10bps Y-o-Y and flat Q-o-Q at 2.5%; supported by reduction in deposits made in lieu of PSL shortfall, SA/TD rate cut reduction partially off set by repricing impact

• Cost of Deposits lower 20bps both Y-o-Y and Q-o-Q ,to 5.9%

▪ Q1FY26 Non-Interest Income at INR 1,752 Crs up 46.1% Y-o-Y; largely owing to treasury income

▪ Cost to Income Ratio at 67.1% for Q1FY26 v/s 74.3% in Q1FY25 and 67.3% in previous quarter

• Q1FY26 Operating Costs at INR 2,766 Crs up 8.1% Y-o-Y and up 2.4% Q-o-Q; Operating Cost (excl PSLC related costs) up ~5.7% Y-o-Y

▪ Q1FY26 Non-Tax Provision Costs at INR 284 Crs (0.3% of Assets 1) up 34.1% Y-o-Y, down 10.7% Q-o-Q

Key Achievements/ Initiatives

▪ Sumitomo Mitsui Corporation Bank (SMBC) entered into definitive agreement to acquire ~20% equity stake in YESBANK from SBI & Other Banks2, SBI continues to be a Major

Shareholder

▪ Credit Rating Upgrades : Moody’s upgraded long term issuer rating from Ba3 to Ba2 with revision of outlook to ‘Stable’ , Both CARE & ICRA upgraded Bank’s Long Term

rating to AA- from A+ and A respectively (in Jul’2025) with revision of outlook to ‘Stable’

▪ Appointed Mr. D. Shivakumar as Non-Executive Director - nominee of Verventa Holdings Limited (affiliates of Advent International)

▪ Recognized among India’s Best Workplaces in Banks 2025 (Jul’25) and India’s TOP 50 Best Workplaces in BFSI 2025 (Apr’25)

▪ Receives a Special Mention Award in Fraud Prevention and Grievance Management category at the Digital Payments Award 2025 by Hon’ble Finance Minister

▪ Senior Management Appointment - Ms. Harmeet Chadha joins as Chief Experience Officer

1 Annualized 2 Includes Axis Bank, Bandhan Bank, Federal Bank, HDFC Bank, ICICI Bank, IDFC First Bank and Kotak Mahindra Bank

Profit and Loss Statement

All figures in INR Crs

• Net Profit for Q1FY26 at INR 801 Crs up

59.4% Y-o-Y & 8.5% Q-o-Q.

• Operating Profit for Q1FY26 at INR 1,358

Crs up 53.4% Y-o-Y & 3.3% Q-o-Q.

• Q1FY26 NII at INR 2,371 Crs up 5.7% Y-o-Y and 4.2% Q-o-Q aided by reduction in cost of funds.

• NIM for Q1FY26 at 2.5% trending upward Y-o-Y, supported by reduction in deposits made in lieu of PSL shortfall, SA/TD rate cut reduction, partially off set by repricing impact

• Non-Interest Income at INR 1,752 Crs, up

46.1% Y-o-Y and up 0.7% Q-o-Q.. Y-o-Y growth aided by Treasury Income

• Operating Costs (Opex) at INR 2,766 Crs up 8.1% Y-o-Y and 2.4% Q-o-Q. Excl. PSLC cost, Opex up 5.7% Y-o-Y and 1.3 % Q-o-Q

• Provision Costs (non-tax) at INR 284 Crs for Q1FY26 up ~34% Y-o-Y but lower 10.7% Q- o-Q

Q1FY26Q4FY25Q1FY25Q-o-QY-o-YNet Interest Income2,3712,2762,2444.2%5.7%Non Interest Income1,7521,7391,1990.7%46.1%Total Income4,1244,0163,4432.7%19.8%Operating Expenses2,7662,7012,5582.4%8.1%Staff Cost1,0201,0179800.4%4.1%Other Operating Expenses1,7451,6841,5783.6%10.6%Operating Profit/(Loss)1,3581,3148853.3%53.4%Provisions284318212-10.7%34.1%Profit Before Tax1,0749966747.8%59.5%Tax Expense2732581715.7%59.5%Net Profit / (Loss)8017385028.5%59.4%Yield on Advances9.9%10.1%10.2%Cost of Funds6.3%6.4%6.5%Cost of Deposits5.9%6.1%6.1%NIM2.5%2.5%2.4%Cost to income67.1%67.3%74.3%Profit and Loss Statement Quarter EndedGrowthBreak Up of Non-Interest Income

All figures in INR Crs

• Non-Interest Income for Q1FY26 at INR

1,752 Crs, up 46.1% Y-o-Y driven primarily by

treasury gains

• Core Fees for Q1FY26 at INR 1,268 Crs, up

3.0% Y-o-Y

• Share of Retail in Core Fees for Q1FY26 at

56.4%

•

Trade & CMS up 9.8% Y-o-Y driven by growth in Commercial Banking business

• General Banking Income in Q4FY25 includes

PSLC Income of INR 79 Crs

• Digital Banking Products Fees: Y-o-Y decline

includes impact of one-time fee adjustment for

the UPI business

Q1FY26Q4FY25Q1FY25Q-o-QY-o-YNon Interest Income1,7521,7391,1990.7%46.1%Of which realised/ unrealised gain on Investments484131-32268.4%NMCore Fees1,2681,6081,231-21.1%3.0%FX Income210227200-7.5%4.9%Trade & CMS292314266-6.9%9.8%Third party Product (INS/INV)149280140-46.7%6.1%Digital Banking Products276165-55.7%-58.4%Loan Processing Fee & Prepayment Charges183247215-25.8%-14.7%Card Product fees243247199-1.6%22.4%General Banking & Others163231145-29.5%12.4%Proportion of Retail in Core Fees56.4%53.5%55.0%Break up of Non Interest IncomeQuarter EndedGrowth Break up of Operating Expenses

All figures in INR Crs

• Operating Costs for Q1FY26 at INR 2,766 Crs up 8.1% Y-o-Y and up 2.4% Q-o-Q.

• Ex- PSLC Opex grew 5.7% Y-o-Y and 1.3%

Q-o-Q

• C/I for Q1FY26 at 67.1% (v/s. 74.3% in

Q1FY25 )

• Business Volume Linked fees up 8.8% Y-o-

Y and down 4.7% Q-o-Q1

1Certain cost head such as Collection Related Charges, Bureau Related Cost, etc. earlier reported under Professional Fees; have been reclassified and are included in Business Volume Linked head for all periods reported above..

Q1FY26Q4FY25Q1FY25Q-o-QY-o-YManpower Cost1,1601,1571,1130.2%4.2%Of which On roll staff cost1,0201,0179800.4%4.1%Business Volume Linked758793697-4.4%8.7%IT3323073038.1%9.7%Premises2572422716.1%-5.4%Professional Fees48356835.7%-29.8%Others84704220.4%98.6%PSLC Cost128976331.5%102.3%Total Opex2,7662,7012,5582.4%8.1%Break up of Operating ExpensesQuarter EndedGrowthProvisions and P&L

All figures in INR Crs

• Provisions for Q1FY26 up 45.5% Y-o-Y &

down 3.3% Q-o-Q.

• Provision Costs (non-tax) at INR 284 Crs for Q1FY26 up 34.1% Y-o-Y but lower 10.7% Q-o-Q

• Provisions for Investments include:

• Gross recoveries from SRs at INR 338

Crs in Q1FY26

• Resolution momentum continues to be

strong with Total Recoveries & Upgrades for Q1FY26 at INR 1,170 Crs

• Q1FY26 RoA at 0.8% (Annualized) vs.0.5%

in Q1FY25 and 0.7% in Q4FY25

Q1FY26Q4FY25Q1FY25Q-o-QY-o-YOperating Profit/(Loss)1,3581,3148853.3%53.4%Provision for Taxation2732581715.8%59.6%Provision for Investments -345-573-318-39.8%8.8%Provision for Standard Advances-64-86-64-25.0%0.8%Provision for Non Performing Advances685913513-24.9%33.6%Other Provisions86580NM-89.7%Total Provisions557576383-3.4%45.4%Net Profit / (Loss)8017385028.6%59.5%Return on Assets (annualized)0.8%0.7%0.5%Return on Equity (annualized)6.6%6.2%4.5%EPS-basic (non-annualized) 0.140.240.16Break up of ProvisionsQuarter EndedGrowthQ1FY26Q4FY25Q1FY25Q-o-QY-o-YOperating Profit/(Loss)1,3581,3148853.3%53.4%Provision for Taxation (A)2732581715.7%59.5%Non Tax Provisions (B)284318212-10.7%34.1%Provision for Investments -345-573-318-39.8%8.8%Provision for Standard Advances-64-86-64-25.0%0.8%Provision for Non Performing Advances686913513-24.9%33.7%Other Provisions86580-87.2%-89.7%Total Provisions (A+B)557576383-3.3%45.5%Net Profit / (Loss)8017385028.5%59.4%Return on Assets (annualized)0.8%0.7%0.5%Return on Equity (annualized)6.6%6.2%4.5%EPS-basic (non-annualized) 0.26 0.24 0.16 Break up of ProvisionsQuarter EndedGrowthBalance Sheet

All figures in INR Crs

• Balance Sheet contracted by 3.1% Q-o-Q

driven by ~7% decline in high-cost borrowings and ~4.6% reduction in investments

• C/D ratio at 87.4% v/s. 86.5% in Q4FY25

and 86.6% in Q1FY25

• Advances growth at ~5.0% Y-o-Y impacted

partly due to seasonality and external macro

• Deposits grew 4.1% Y-o-Y; continued focus on granular, low-cost deposits with healthy CASA Ratio.

• Disbursements of INR 18,812 Crs in Q1FY26

v/s. ~INR 20,987 Crs in Q1FY25

Disbursements

Retail

Commercial Banking

Corporate & Institutional Banking

Total

Q1FY26

11,755

2,012

5,045

18,812

1 Includes sanctions/ limit set-ups NM = Not Measurable

Balance Sheet30-Jun-2531-Mar-2530-Jun-24Q-o-Q %Y-o-Y % Assets 410,248423,422407,697-3.1%0.6%Advances241,024246,188229,565-2.1%5.0%Investments81,18085,10488,514-4.6%-8.3% Liabilities 410,248423,422407,697-3.1%0.6%Shareholders Funds48,64447,78045,6491.8%6.6%Total Capital Funds48,24847,22347,3892.2%1.8%Deposits275,843284,525265,072-3.1%4.1%Borrowings66,56071,60380,128-7.0%-16.9%Break up of Deposits30-Jun-2531-Mar-2530-Jun-24Q-o-Q %Y-o-Y %CASA90,35197,48081,567-7.3%10.8%Current Account 36,26043,30436,834-16.3%-1.6%Savings Account54,09054,17644,733-0.2%20.9%CASA Ratio32.8%34.3%30.8%Term Deposits185,492187,045183,505-0.8%1.1%Certificate of Deposits - - - - - Total Deposits275,843284,525265,072-3.1%4.1%Segment Reclassification – Old v/s New

Advances Business Segments – Up to Q4FY25

Change in Q1FY26

Advances Business Segments Q1FY26 & Onwards

1. RETAIL BANKING

- Retail Assets + Rural Banking Group, Credit Card + ISB

2. SME BANKING

- Micro Enterprise Banking

2. SME BANKING

- Small and Medium Enterprise Banking Segment

No Change

1. RETAIL BANKING

- Retail Assets + Rural Banking Group, Credit Card + ISB

Micro Enterprise Banking Segment grouped with Retail Banking

- Micro Enterprise Banking

Small and Medium Enterprise Banking Segment moves to newly formed Commercial Banking Segment

2. COMMERCIAL BANKING

- Small and Medium Enterprise Banking Segment

3. ELC Banking Segment

ELC Banking Segment moves to newly formed Commercial Banking Segment

- ELC Banking Segment

4. LARGE CORPORATE SEGMENT

No Change

3. CORPORATE & INSTITUTIONAL BANKING

Break up of Advances & Deposits

All figures in INR Crs

Advances

• Retail Banking segment up 0.3% Y-0-Y of which Micro Enterprise Banking segment up 11.2% Y-o-Y

• Commercial Banking Advances up 19.0%

• Corporate & Institutional Banking

Advances up 2.7% Y-o-Y

• Retail Banking mix at 49% v/s.52% in Q1FY25

Deposits

• CASA + Retail TDs1 at 65.5% vs. 57.6% in

Q1FY25 and 64.4% in Q4FY25.

• Avg. daily Retail CA for Q1FY26 grew 13%

Y-o-Y

• Avg. daily Retail SA for Q1FY26 up 35.3%

Y-o-Y

• Retail CASA Accounts opened: ~251K in

Q1FY26

Of which MSME advances contributing ~29.3%

1 Based on Balances </= INR 3 Crs on an Account Level, 2 Advances breakup restated basis revision in internal business segmentation ^ Retail Banking includes Micro Enterprise Banking (MIB)erstwhile part of SME Book 3 Excluding Certificate of Deposits; basis internal business segmentation

Segmental Break up of Deposits30-Jun-2531-Mar-2530-Jun-24Q-o-Q %Y-o-Y %Retail & Branch led Deposits168,563164,092140,4862.7%20.0%Retail & Branch CASA Ratio38.2%40.3%36.2%Other than Retail Deposits107,280120,433124,586-10.9%-13.9%Other CASA Ratio24.3%26.0%24.7%Total Deposits275,843284,525265,072-3.1%4.1%Segmental Break up of Advances30-Jun-2531-Mar-2530-Jun-24Q-o-Q %Y-o-Y %Retail Banking ^118,981120,426118,672-1.2%0.3%Commercial Banking59,65261,06350,123-2.3%19.0%Corporate & Institutional Banking62,39064,70060,770-3.6%2.7%Total Net Advances241,024246,188229,565-2.1%5.0%Break up of Investments

All figures in INR Crs

•

Total Net Investments at INR 81,180 Crs

•

SLR – INR 70,118 Crs

Non SLR – INR 11,061 Crs

• Standard Rated - INR 8,894 Crs:

99.9% Rated AA and above

• Security Receipts- NIL

• Others Standard 1- INR 2,167 Crs

Investments Breakup

SLR 86.4%

NSLR 13.6%

HTM 0.6%

AFS 5.4%

HFT 6.9%

FVTPL 0.2%

SUBSI 0.5%

1 Includes Equity, Preference, CDR, US Treasury Bills, NPI & Others

NPA Highlights

All figures in INR Crs

• GNPA Ratio at 1.6% in Q1FY26 flat Q-o-

Q and down 10 bps Y-o-Y

• NNPA Ratio at 0.3% in Q1FY26 flat Q-o-

Q and down 20 bps Y-o-Y

• PCR at 80.2% in Q1FY26 v/s 79.7% in

Q4FY25 and 67.6% in Q1FY25

• Gross Slippages for Q1FY26 at INR

1,458 Crs (2.4% of Advances) v/s. INR 1,223 Crs (2.0% of Advances) in Q4FY25.

•

Slippages Net of Recoveries and Upgrades in Q1FY26 at INR 809 Crs v/s. INR 696 Crs last quarter

• Gross Slippages excluding(Slipped and

Recovered in the same Qtr) for Q1FY26 at INR 1,309 Crs (2.2% of Advances) v/s. INR 1,161 Crs (1.9% of Advances) in Q4FY25

1 Opening Balance includes the impact of for Inter- segment movement of Products and Customers during the quarter ^ Retail Banking includes Micro Enterprise Banking erstwhile part of SME Book

31-Mar-2530-Jun-25OpeningAdditionsUpgradesRecoveriesWrite OffsClosingRetail Banking ^2,6281,2802801586842,786Commercial Banking62217815334747Corporate & Institutional Banking686001970489Total3,9361,4582953587184,022MovementMovement of GNPAGNPA(%)GNPA(%)GNPA(%)Retail Banking ^2,7862.3%2,6282.2%2,1411.8%Commercial Banking7471.3%6221.0%7471.5%Corporate & Institutional Banking4890.8%6861.1%9571.6%Total4,0221.6%3,9361.6%3,8451.7%30-Jun-24Segmental GNPA30-Jun-2531-Mar-25 Asset Quality ParametersGross NPA (%)Net NPA (%)Provision Coverage Ratio excl. Technical W/O (%)Provision Coverage Ratio incl. Technical W/O (%)30-Jun-241.7%0.5%67.6%30-Jun-2531-Mar-251.6%0.3%80.2%1.6%88.0%87.6%80.1%0.3%79.7%Summary of Labelled & Overdue Exposures

All figures in INR Crs

• Recovery and Repayments during

Q1FY26 from Standard Restructured accounts amounted to INR 56 crs

• Slippages of INR 13 Crs in Q1FY26 from Standard Restructured Advances pool of Q4FY25 offset

• Recoveries from Security Receipts

during the quarter aggregated to INR 338 Crs

• Overdue book of 31-90 days at INR 3,978

Crs from INR 3,704 Crs in Q4FY25

1 Comprises only Corporate Accounts 2 Already Implemented as of respective date; Erstwhile category represents Standard Restructured accounts and does not include withdrawn categories such as SDR, S4A etc. 3 Where provisioning has been made as per requirement of RBI circular on Prudential Framework for Resolution of Stressed Assets dated June 7, 2019

GrossProvisionsGrossProvisionsGrossProvisionsNPA4,0223,2253,9363,1353,8452,599Other Non Performing Exposures4,8874,2225,1534,4616,5004,861NFB of NPA accounts846180874182978195NPI494962629797Security Reciepts3,9923,9924,2174,2175,4264,569Total Non Performing Exposures8,9107,4479,0897,59710,3457,459Technical Write-Off2,6032,6032,5352,5352,4302,430Provision Coverage incl. Technical W/O 87.3%87.2%77.4%Std. Restructured Advances37852424603,643292Erstwhile6392106DCCO related80410751,85293MSME6376787210Covid22938241451,710183Other Std. exposures117411144032111261-90 days overdue loans1,9191,5111,809Of which Retail1,3221,2091,16531-60 days overdue loans2,0592,1941,815Of which Retail1,5961,5711,55030-Jun-25Particulars31-Mar-2530-Jun-24CET 1 Ratio at 14.0%1

Bank’s Capital Adequacy Ratio 1

16.2%

15.6%

16.5%

CET I Q-o-Q Movement in Q1FY26

13.5%

0.27%

0.26%

14.0%

RWA to Total Assets at 72.7% vs.

CRAR

71.3% in Q4FY25 and 70.3% in

Q1FY25

DTA deduction from Capital

- Y-o-Y INR 871 Crs.

- Q-o-Q INR 218 Crs.

Q4FY25

Profits during the Quarter

Impact of Book change & Rating mix

Q1Y26

1 Includes Profits

14.0%13.5%13.3%2.1%2.1%3.2%30-Jun-2531-Mar-2530-Jun-24TIER IICET 1Contents

Financial Results- Q1FY26

YES BANK Franchise

New Generation, Professionally Run Private Sector Bank with a Scalable Platform

New Generation Private Sector Bank

Robust Risk, Governance and Compliance Culture

Geared for Scale with Profitability

•

6th Largest Private Sector 1, Universal Bank offering comprehensive suite of product and services via its pan India network of 1,253 branches, 235 BCBOs and 1,330 ATMs (including CRMs and BNAs) in over 300 districts of India

Accelerating as a diversified franchise across customer segments with a strong focus on Transaction and Digital Banking

Preferred Banker to Digital India with best-in-class technology / API stack and dominant leadership in digital payments

ESG integral to the Strategy- highest ratings/ scores in the Indian Banking Industry by reputed ESG Rating Agencies

Eminent 13-member Board of Directors comprising 7 independent directors, 2 women directors – domain specialists with extensive strategic, operational and leadership experience

• Comprehensive and Robust Risk Management Framework; De-centralized approval processes built for sustainability as well as scale

•

‘Compliance First’ Culture

Strong Foundation: Key levers now in place, for scale-up and material improvement in profitability •

A ‘Preferred Retail Franchise’ with strong Customer Acquisition run-rate of more than 1.0 million new CASA customers per annum

•

Niche competitive advantage in Commercial Banking customer segments- further accelerating growth and RoA expansion

Retail Advances of more than~ INR 119,000 Crs (~49% of Net Advances) – twin focus - profitability as well as asset quality

Holistically addressed Legacy Asset Quality Issues; Overall portfolio Asset Quality at its best since reconstruction

•

NIL Net Carrying Value of SR, NNPA at 0.3% of Advances, Provision Coverage Ratio at 80.2%

Sequential improvement in Standard restructured advances as well as overdues and slippages

Sufficiency in Liquidity (LCR at 135.8%2) and Capital Adequacy (CET 1% at 14.0%)

Seasoned Human Capital

• Run by a professional, seasoned, and stable management team; average vintage of YES BANK Top and Senior Management Team of

9 Years (with the Bank); Duly supported by over ~28,000 YES BANKers

Major Shareholders

•

SBI, the largest schedule commercial bank of India and leading private sector banks

Two global, marquee, private equity investors viz. affiliates of Carlyle and Advent International

Largest retail shareholder base in the Indian Capital markets, with ~63 lakh shareholders

Total Assets: INR 4,10,248 Crs

Total Advances: INR 2,41,024 Crs

Advances Split: Retail Banking– 49% Commercial – 25% | Corporate – 26%

Total Deposits: INR 2,75,843 Crs CASA Ratio: 32.8%

Senior Rating - At AA-/A+/A 3 Short Term Rating – Highest at A1+

1 By Total Assets as on March 31, 2025; 2 Average for the quarter- Q1FY26; 3 AA- by ICRA & CARE, A+ by CRISIL; and A by India Ratings Short Term Ratings by CRISIL & CARE

Retail Bank: Full spectrum retail bank growing with strong momentum

All figures in INR Crs

Growth calibration in Retail Advances 1

Pan-India presence via 1,253 branches, 235 BC banking outlets and 1,330 ATMs, CRM’s & BNA’s

Cater to all customer segments (HNI, affluent, NRIs, mass, rural and inclusive banking) with full product suite

Leadership / significant share in payment and digital businesses

(UPI, AEPS, DMT)

72% of branches in Top 200 deposit centers

~90% of transactions via digital channels

Advanced score- cards and analytics being leveraged across underwriting and engagement

As % of total advances

52%

51%

49%

Strong growth sustains in Retail & Branch Banking led Deposits

+20% Y-o-Y

As % of total deposits

53%

55%

57%

58%

61%

In addition, continued momentum within Retail Fee Income1

1 Restated basis revision in Internal Business Segmentation;

140,486 151,322 158,926 164,092 168,563 Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26677808812861715Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26118,672117,934118,125120,426118,982Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26 Retail Assets: Focus on Profitability enhancement

All figures in INR Crs

Retail Banking asset disbursements1: Calibration in Product & Sourcing mix

Diversified retail book2

Differential growth across products- targeted at profitability improvement (EOP Book growth)

7.1%

11.8%

-15.6%

-11.2%

-27.4%

Y-o-Y Growth (Key Products)

28.1%

16.8%

28.9%

2.5%

-4.3%

-3.9%

-4.4%

Secured Business Loans

Personal Loans

Home Loans

CV Loans

Auto Loans

Affordable HL

Credit Cards

CE Loans

Used Car Loans

Rural Banking

Business Loans

ISB

1 Excludes Rural Banking Assets, Credit Cards and Inclusive & Social Banking, 2 Split basis gross retail advances

17%15%13%9%7%7%6%6%6%6%3%2%3%Secured Business LoansHome LoansPersonal LoansCommercial Vehicle LoansCredit CardsAffordable Home LoansAuto LoansConstruction EquipmentLoansRural BankingUsed Car Loans7,5178,0477,9899,0888,004Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Rural Assets Deepening the penetration in emerging rural markets & generating Agri PSL

All figures in INR Crs

Business originations

963

984

947

929

928

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

•

100% book qualifies under granular PSL lending

Product suite to cater to all segments of semi urban/ rural ecosystem

Parameterized lending in the granular book for faster disbursements

Capturing Rural value chain with geographic diversification

▪ Diversified portfolio across ~230 districts in 18 states

▪ Long standing relationship with credible BC partners

Farmer financing (KCC + Farm Mechanization)

Women Microfinance

Book Split (value) by segments

23%

77%

Book size : INR 7,584 Cr

1 Excluding lending to MFI

Robust Farmer financing and Women Microfinance book

▪ High quality farmer financing book with NPA of ~2%

▪ Calibrated book growth & delinquency management in women microfinance borrower book despite industry-wide challenges and increased state government oversight pertaining to collections. All new businesses, since 1st Jan 2025, is covered under CGFMU- a Government guarantee scheme.

▪ Well diversified farmer financing book with small, medium and large ticket size loans

▪ On ground portfolio monitoring/ trigger-based monitoring by an independent risk

monitoring team

•

Profitability Drivers supported by in-depth analytics

New LOS and LMS and features such as Mobile number authentication, e-KYC, PAN & Voter ID validation, Aadhar name match, integrated BRE with instant result, e-SIGN workflow, disbursement and collection Journey and ability to integrate other LOS with BC- LOS API will help in improving the efficiency and productivity resulting in overall 20% increase in conversion rate (sourcing to disbursement).

Analysis on the industry wide data for analyzing business trends, portfolio quality and competitive bench-marking through credit bureau data at pin code level

Periodic analysis of SRO (MFIN) reports

Credit Cards: Strong business growth and enhanced customer experience

Sustained Strong Growth in Cards, Book Size & Card Spends

Key Initiatives FY 25

No of Cards In (‘000s) Book Size in Cr Spends in Cr

1,497

2,217

54.2% Y-o-Y

47.3% Y-o-Y

2,784

27.3% Y-o-Y

36.1% Y-o-Y

3,876

5,179

5919

7,987

7,583

10,168

New Tech Capabilities

Experience Layer:

• A new technology layer focused on customer experience has been launched, enabling highly personalized interactions and segmented reward campaigns. This targeted approach is expected to drive higher EMI conversions through more relevant offers.

New 2FA Platform for E-commerce transactions:

• Migration to an enhanced ACS platform was completed successfully leading to better efficiency, segment-based risk monitoring, easier scaling, and lower operating costs

Q1FY24

Q1FY25

Q1FY26

Seamless customer onboarding journey:

Optimized Book mix

Comparison of Book mix as on Jun’24 vs Jun’25

IRIS journeys

• Existing customers with pre-approved credit card offers can now experience a seamless onboarding journey for availing credit card. The initiative simplifies the application process, reducing turnaround time and improving efficiency.

43%

26%

30%

33%

44%

23%

Transactor Book

Revolve Book

EMI Book

Portfolio Health:

Portfolio Interventions

• We’ve implemented continuous portfolio monitoring, allowing us to quickly respond to both positive and negative trends. This proactive approach has led to healthier portfolio performance and a noticeable drop in delinquencies compared to the previous quarter.

Jun’24

Jun’25

Micro Enterprise Banking Catering MSME Market Segment

Steady Growth in Funded Book

Growth Avenues, Digitization & Product Innovation

Fund Book

YoY growth: 11%

16,941

17,464

18,235

18,877

18,831

Digital Journey as a Fulcrum for Scale

Driving Adoption of Digital Lending Platform (DLP), a digital assisted platform integrated to Loan Origination System. DLP has significantly transformed the loan proposal login process for MSME Customers, 84 % of the eligible New- To-Bank cases are logged in through DLP.

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

Q1 FY26

• PSL Book : 90% of MSME Funded Book PSL Compliant

Sustainable Product Mix

Granular and Stable Customer Mix

Working Capital & Term Loans

Supply Chain Finance

Commodity Finance

81%

Non Fund Book

11%

20%

13%

53%

< 0.5 Cr

0.5 - 1 Cr

1-< 2 Cr

2 -< 5 cr

5- <10 Cr

> 10 Cr

98.2% of Fund book composed of secured products

Scorecard Upgrades

Integration of FICO Business Rule Engine (BRE) based scorecard, bringing significantly agility in scorecard gating criteria and upgrades for Smart OD (Banking based) product offering.

SME Direct Service Desk, which currently handles over 55 requests—including types both financial and non-financial transactions—has now been upgraded to support YES Business (Net banking) onboarding for Sole Proprietor customers.

customer

Offering Unparalleled Customer Experience and Services

This enhancement is part of a broader initiative to elevate customer experience seamless and responsive support across a wide range of services.

by delivering

The desk successfully onboarded 400+ sole proprietor customers to YES Business (Net banking), reinforcing its role as a high-impact service channel in Q1 FY26.

Branch Banking: Expanding Footprint, Enhanced Digital Cross Sell & Growth in Granular Deposits

All figures in INR Crs

Branch Network

Branches

BCBO

Assisted Digital Onboarding

Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell

1,451

219

1,458

221

1,469

222

1,490

235

1,488

235

1,232

1,237

1,247

1,255

1,253

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Strong momentum in Granular Deposits

Retail & Small Business Deposits ( Gross LCR definition - EOP Balance)

% of Total Deposits

+9% Y-o-Y

128,002

129,249

125,263

124,889

118,269

44.6%

45.2%

45.0%

46.9%

• ~96% Individual SA accounts opened digitally with ~72% Savings accounts

instantly activated

• ~92% eligible CA accounts opened digitally with ~62% accounts activated

within 4 hours

Current & Savings Account Onboarding

• Enhanced controls in the digital onboarding app for better due diligence

• Data backed Product Recommender – Basis profile information, right

product recommendation in real time for New to Bank CASA customers

Digital Co-origination enabled across CA & SA onboarding

• Co-sourcing of Life & Health Insurance, Loans, Demat & Trading with SA in

a single journey

• Co-origination of SA, Sweep In, POS & co-sourcing of Loans & Trade

products along with CA for eligible constitutions in a single journey

DIY (Do It Yourself) Digital Onboarding across CA & SA onboarding

• Our DIY journey delivers a frictionless onboarding experience for customers

Servicing & Cross Sell

Servicing

• Over 250+ unique service journeys available on digital channels

• 188 on “IRIS by YES Bank” – Bank’s newest Digital app • 217 on YES Online – Internet Banking Platform • 99 on YES Robot • 72 on WhatsApp Banking

Cross Sell • End-to-end digital journeys for FD, RD, Credit card, MF, SGB, RE-KYC, insurance, IPOs, Card upgrades & quick loans, tax payments, Digital saving accounts, virtual gift cards, Government schemes, card transactions to EMI and Personal Loans

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

•

Journeys available across DIY / Assisted

Maximizing Branch Distribution as Fulcrum of Business Leveraging existing (and growing) network to offer full spectrum of products

All figures in INR Crs

Branch Banking led Deposits: 20.8%CAGR (Q1FY24-Q1FY26) 1 v/s. 12.5% CAGR in Industry and 16.9% CAGR amongst Pvt. Banks

Deposits Outperformance in Branch Banking – even higher in the recent past (as per latest available data)

Branch led sourcing of Assets and distribution of Fee Products gaining significant traction

Outperformance in Liability growth largely led by

Branch Banking- driving Bank’s outperformance v/s. Industry

Sustained Branch led Sourcing of Retail Banking Assets

Productivity Gains within existing & expanding franchise

Y-o-Y Growth of CASA and Total Deposits (Q4FY24- Q4FY25)

Retail Assets - Disbursements Mix

Deposits per Branch

Deposits per Employee

YBL Branch Banking

YBL

Private Banks

Industry 2

Through Internal Channels

% of Total Disbursements

(Indexed to 100 for Q1FY24)

30.1%

141.1

136.2

100.0

119.6

113.1

Q1FY24

Q1FY25

Q1FY26

18.4%

18.7%

6.3%

6.1%

6.8%

12.0%

10.4%

CASA Y-o-Y Growth

Total Deposits Y-o-Y Growth

Disbursements in INR ‘000 Crs

39%

3.1

48%

3.6

48%

3.8

Q1FY24

Q1FY25

Q1FY26

New Acquisition Value (NAV) Trend

Q1FY26 Deposits growth for YBL at 4.1% Y-o-Y & YBL Branch Banking at 20.0%

Q1FY26 CASA growth for YBL at 10.8% Y-o-Y & YBL Branch Banking at 26.5%

Strong traction in Branch Banking Fee Income 3

CASA EOP NAV- Monthly Avg.

(Indexed to 100 for Q1FY24)

Incremental CASA Ratio: Q4FY24- Q4FY25

83.5%

59.3%

100

141

139

21.3%

23.7%

Branch Banking Fees

15.1% CAGR

278

295

223

Q1FY24

Q1FY25

Q1FY26

YBL Branch Banking

YBL

Private Banks

Industry

Q1FY24

Q1FY25

Q1FY26

1 Based on Total Bank Deposits, CAGR computed between Q1FY24-FY25 for the Industry & Pvt. Banks; 2 Data Source: RBI (BSR)-2 – Deposits with SCBs; 3 Includes Rural Retail Liabilities 4 Normalised for comparability

Deposits Metrics consistently outperforming Industry

All figures in INR Crs

Deposits traction : consistent outperformance to Industry

Outperformance even more significant in CASA Deposits

Uptick in CASA ratio amidst strong headwinds in Industry

YBL CAGR 12.1%

YBL CAGR 18.3%

265,072

275,843

90,351

81,567

219,369

64,568

Q1FY24

Q1FY25

Q1FY26

Q1FY24

Q1FY25

Q1FY26

YES BANK CASA Ratio

Industry CASA Ratio

41.7%

40.5%

39.3%

38.9%

30.9%

30.8%

29.4%

34.3%

32.8%

YBL Total Deposits

YBL CASA

Q1FY24

Q4FY24

Q1FY25

Q4FY25

Q1FY26

**YBL CAGR at 16.0% vs Industry CAGR 12.5% Sustained outperformance in SA v/s Industry

**YBL CAGR at 26.5% vs Industry CAGR 8.1% Garnering significant Incremental Market Share in CASA

Continue to maintain healthy short term & long-term liquidity

Savings Account

YoY Growth

Industry Growth

Q1FY25

Q2FY25

Q3FY25

Q4FY25

44,733

31.2%

5.4%

54,090

20.9%

4.6%

34,090

4.9%

-4.1%

v/s Industry

v/s Pvt Banks

8.5%

9.6%

7.5%

8.1%

4.2%

3.0%

3.1%

1.0%

1.1%

3.8%

3.5%

2.8%

3.0%

% 8 . 7 3 1

% 8 . 0 2 1

Average LCR

NSFR

% 0 . 2 3 1

% 2 . 1 2 1

% 2 . 3 3 1

% 5 . 6 1 1

% 0 . 5 2 1

% 9 . 7 1 1

% 8 . 5 3 1

% 9 . 6 1 1

100%

Q1FY24

Q1FY25

Q1FY26

Yes Bank CASA Mkt Share

Incremental mkt. share (Y-o-Y)

Yes Bank CASA Mkt Share

Incremental mkt. share (Y-o-Y)

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

*Industry data based on RBI’s ‘Basic Statistical Return (BSR)-2 - Deposits with SCBs excluding RRBs’ as of Q4FY25. **CAGR compounded between Q1FY24 – Q4FY25

Wholesale Banking Covering diverse Client Segments with deep Product Expertise

S T N E M G E S T N E L C

S T C U D O R P

CORPORATE & INSTITUTIONAL BANKING

Large Corporates

Financial Institutions

Multinational & New Economy Companies

Government Banking

COMMERCIAL BANKING

Indian Corporates with turnover of more than INR 1,500 crs

Indian Scheduled Commercial & Cooperative Banks, International Banks, DFIs, NBFCs, MFIs, Insurance, Mutual Funds, Stockbrokers, Payment Operators & Cross border Money Transfer Operators

Multinational Corporates operating in India, Startups, Ecommerce companies.

Central & State Government Entities

Mid Size Corporates with turnover up to INR 1,500 crs

Transaction Banking

Project Finance

Loan Syndication

Knowledge Banking

Trade Finance, Cash Management, Custody, Bullion, Remittance & Supply Chain Finance

Long Term Project Financing with ring- fenced cash flows

Underwrite & syndicate/ sell down

Financial Markets

Real Estate

IFSC Banking Unit

FX & Derivative Sales, DCM, Balance Sheet Management, Trading

Construction Finance & Lease Rental discounting for Residential & Commercial real estate

Offshore product offerings through IBU at GIFT City, Gandhinagar

Business Economics Banking, Food & Agri Strategic Advisory & Research, Corporate & Government Advisory

Growing Client Base and Improving Positioning with High Focus on Risk and Returns

Wholesale Banking

Wholesale Banking Business (1)

All figures in INR Crs

Corporate & Institutional Banking

Providing tailored solutions to clients across business segments

Funded O/S

Non-Funded O/S

Commercial Banking

Funded O/S

Non-Funded O/S

•

g n i k n a B

l a n o i t u t i t s n

& e t a r o p r o C

Large Corporates

Financial Institutions

Multinational & New Economy Business

Government Banking

Commercial Banking

Team of 182 Relationship Bankers in 9 cities

Focus on providing wide suite of banking products to develop and maintain core bank status

Team of 68 Relationship Bankers covering Financial Institutions and financial sector entities

Solutioning led wholesale liabilities franchise across Co-operative banks, BFSI and Fintechs

Partnership with International DFI, Banks and Exchange Houses

Facilitate cross border business including trade and personal remittances

Team of 78 Relationship Bankers spread across 8 locations

Deeply entrenched in new-age entrepreneurship ecosystem by providing bespoke digital solutions

Comprehensive banking proposition for MNCs including Supply Chain Finance, Tax payments & Staff salary accounts

Team of 81 Relationship Bankers spread across 36 locations

Coverage of Government Entities with comprehensive Financial and Digital solutions

Team of 833 Relationship Bankers with a strong coverage with presence in 67 key cities. Building Granular portfolio with a focus on knowledge banking

69,87475,17775,68075,78374,144Q1FY25Q2FY25Q3FY25Q4FY25Q1FY2660,77063,57368,65764,70062,39019,94821,16822,60024,53424,404Q1FY25Q2FY25Q3FY25Q4FY25Q1FY2650,12353,61058,05161,06359,652 Wholesale Banking Business (2) Building sustainable Liability Book

• Alignment with Govt strategy & fund flow to focus on

implementing agencies

• Local Bodies, Development Authorities, Smart

Cities & Agricultural Bodies

• E-Tendering, E-Procurement, E-Governance (G2C) • Strategic Projects : SNA, GeM, PFMS2.0

Government Banking

Corporate Solutioning

• Liquidity Mgmt. for Large and Mid-Corporates • Exporter Accounts • Real Estate – RERA • TASC – Education Institutions, Hospitals and PF Trusts

Follow the money (Inorganic acquisition)

• • Mainstreaming Corporate Supply Chain •

Lifecycle Banking – Comprehensive Product Suite for clients Influencer Strategy eg. PE, VC, FinTech's.

•

Ecosystem Banking

CASA Multipliers

Liability Client Segments

Fintech & Ecommerce

• • Co-operative Banks • X-Border : Exchange Houses / MTOs / PA-CB • • Multinational (MNC) client segment

Financial Institutions – Insurance, MF

• Custody Fund Accounting for MF, AIF, PMS clients • Escrow structures for Fintech ecosystem and NBFCs • Settlement accounts for Banks, SMBs, Exchanges etc. • CSGL, PCM • Capital Market Ecosystem – Brokers–POA–BTI link

Fiduciary Services & Capital Markets

API / Connected Banking

• Bank as a Payment Aggregator • Banking as a Service – Connected Banking • Banking as a Platform – Yes Connect • Digital - Onboarding, Transacting, Servicing &

Governance

Large Corporates

Focus Sectors

Pan India Presence

Products

Infra - Road & Port

• Chemicals • • Electronics & Electricals • FMCG • Food & Agri • Auto & Auto Ancillaries

• Metals & Mining • Logistics & Warehousing • Transportation • Healthcare & Pharma • Renewable Energy • EV

• Presence in 9 major locations

• Delhi • Kolkata • Mumbai • Pune • Ahmedabad

• Bengaluru • Chennai • Hyderabad • Coimbatore

Portfolio Quality and Risk

• Higher proportion of well rated corporates in

Advances

• Continued reduction in stressed book & improvement

in portfolio rating

• Growth in Working Capital & Trade business • Focus on granularizing the portfolio.

Analytics

• Proactive EWS mechanism • Detailed screening of new names prior to on-

boarding

• Working capital Finance, Project Finance, Supply Chain Finance, FX and Derivatives

• Growing non-fund book - Letters of Credit, Bank

Guarantees

• Digital, Collection & Payments, Liquidity

Management Solutions

• Major contributor to Bank’s Liabilities business

• Onboarding new clients via Debt Capital Markets

solutions

• Cross-sell Retail Banking - Corporate salary

accounts & Credit Cards

• Focus on high quality sponsors and granular

book for Project Finance

Financial Institutions

Non Banking Financial Company • • •

Sustainable asset book building in well rated / retail focused NBFC’s Strategic PSL funding through NBFC financing Facilitating Co-lending / DA partnerships to build Retail Book

International Banking • • •

Relationship building with International Banks, DFI & Fintechs Cross-border trade facilitation / fulfillment Nostro / Vostro account services

Domestic Banks & DFIs • •

Relationship coverage with Domestic Banks & FIs Resource raising in the form of Borrowings & Refinance

Co-operative Banks & RRBs • •

Relationship driven Liability rich product offerings Dominant position in Digital offerings for Co-operative Banks

Capital Markets & Custody • •

Tech enabled/ Tailored solutions for PCM & Custodial business. Banking facilities to Stockbrokers, Clearing members & Exchanges

Mutual Funds & Insurance • •

Digitally advanced CMS offerings Banking facilities to Insurance Co’s / Reinsurance brokers

Capitalizing on the Digital strength of the bank for increasing wallet share of collections and payments across the FI segment

PSL fulfillment through focused approach while building a well-rated and granular asset book

Enabling Resource raising through Trade Borrowings, Bilateral / Syndication loans and Refinance facilities

Fee Generation by offering customized Transactional banking solutions for Financial Institutions

Facilitating business across bank units for treasury, trade and cross-border requirements.

Multinationals and New Economy Business

•

• •

• • •

Digital and Transaction Banking Solutions Supply Chain financing Salary Account, Credit Cards & Retail Assets Fx Flows and FDI Assets and Liabilities Lifecycle Banking

Marquee MNCs

Growth MNCs

New Entrants

• •

•

Unicorns/ Soonicorns

Fintechs

Preferred bank for Unicorns, Soonicorns Superior digital and Transaction Banking offerings

24x7 Transaction processing at Scale with high success rate Superior Digital & Transaction Banking offering

Sector alignment

Customized & Exhaustive Product Suite for • • •

Payment Aggregators Non Bank PPIs Digital lenders and LSPs

Regulated Entities

Location covered in Tier I & Tier II

• • • • • • •

Delhi NCR Pune Bangalore Chennai Hyderabad Vadodara Chandigarh

• • • • • •

Kochi Kolkata Jaipur Lucknow Indore Ahmedabad

• • • •

Funnel for Episodic & annuity leads FEMA Advisory Fx Flows Custody services & Capital Markets

Financial Sponsors

•

Industry specific & fully compliant Escrow offering for handing fiduciary money for E-Commerce Marketplaces.

E commerce Marketplaces

Liabilities Technology Banking

Ecosystem Banking

Knowledge Banking

• •

Digitization and Digitalization Superior Digital & Transaction Banking offerings Beyond Banking – Partner Solutions Sachetized and Customized Solutions

• • • •

India Business facilitation advisory Retail Banking Services Treasury, FX & Risk Management Payments, Trade & Supply Chain Finance

• • •

FEMA Advisory Fiduciary Services Dedicated advisory unit with focus on Food & Agri, Electric Vehicles, Electronics, Urban Infrastructure

Government Banking

Partnering Government for settlement & disbursement

•

Central Ministries

State Governments - Government Fund Flow Management

Local Governments – Urban Local Bodies, Districts & Panchayat

Government

• Government Agency Business – Central & State Government(s)

•

Central and State PSUs

State Development Authorities - Land & Housing, Industrial & Infra, Public Works, Irrigation, Product/Produce Promotion & Development, and Conservation Sectors

SERW (Sports, Education & Research, Religious & Welfare Trusts)

Alternate Investment Funds (AIFs) & Infrastructure Investment Trusts (InvIT)

Special Projects – Projects funded by Multilaterals

Administered Institutions

Competitive Advantage

First mover in Key Growth Sectors - Smart Cities, Defense OFB, Ports

Performance & Delivery

Quick Turnaround in Solution Identification, Customization & Implementation

Pan-India Coverage

In-house Expertise

Banker to majority CPSUs pan India for Asset & Liabilities. Re- empaneled with majority of Maharatna, Navratna & Miniratna PSUs

Industry First - Knowledge & Banking proposition in Education, Agriculture, Electric Mobility, Solid Waste Management and Start – up Incubation through CGA and FASAR

People

Partnership

Product Innovative bank owned

Knowledge

Disburse Settlement banker to

E -Governance One-stop solution for a

Presence of GB Team in 36

Relationship Mgmt. With

Innovative Solutions

Knowledge Engagement in

Settlement Banker to

One-Stop solution for wide

locations and amplified by

Central & State

Digitization at the Core

Urban Infrastructure

Central & State

range of Government

Branch led sourcing of

Government, Local &

Govt accounts at all YBL

Quasi government, CPSUs

Branches Pan-India

& State Development

Authorities

1 CGA: Corporate & Government Advisory 2 FASAR: Food & Agribusiness Strategic Advisory & Research

including e-mobility & start-

Government initiatives

Sector Services

up incubation through

CGA1 and Agriculture &

Allied Sectors through

FASAR2

Commercial Banking

Growth led by NTB and X-sell - higher wallet share and productivity

Knowledge Sectors – Pharma, Chemicals, Auto ancillary, Logistics, Metals

Leverage anchor-led ecosystems (dealer / distributor financing)

Strong coverage – presence in 67 key locations

Laser Sharp focus on portfolio quality

Sustainable growth in fund- based book - Increase Term Loan share

Increase Fee contribution through Augmenting credit & non-credit Trade/ CMS income. Focus on digital channels like Trade On Net, Digital Banking, API integration. Using FASAR & Treasury capabilities

Digital interface specifically curated for Supply Chain business & common internet banking framework for all client segment

Customers provide a multiplier effect for Branch Banking offerings - Employee Salary Accounts, Wealth Management, Credit Cards

IFSC Banking Unit - GIFT City

GIFT, Gandhinagar, Gujarat is the only International Financial Services Centre in India. One of the key strategic focus areas for the Government and recognized as the gateway for financial and investment activities helping onshoring the offshore funds

YES Bank was the First Bank to commence operations in IFSC

• Offers comprehensive FCY products helping the bank complete its Wholesale & Retail product bouquet, increasing Bank’s wallet share and deepening of the relationships

• Helps raising FCY resources from Overseas Banks / Institutions.

• Regulated by the International Financial Services Centers Authority “IFSCA” as Host & RBI as Home country regulator. Business & Operations governed and supervised by

the Board appointed Governing Body (GB)

• Target growth in the overseas lending book

• FCY liability garnering through NRIs/ Corporates/ MNCs/ Units in IFSC diversifying resource base

• Enhanced treasury product suite with multiple currency & derivative

offerings

• Clearing & Settlement bank for INDIA INX

• Collateral Banking Services to exchange participants

Project Finance & Loan Syndication

Sectoral expertise built over the years across sectors viz. Energy, Ports & Logistics, Transport, Real Estate and demonstrated Distribution capabilities across Banks, NBFCs, FIs

Sectoral Knowledge

Sector-focused Business Development & Risk Identification

Bespoke Solutions

Transaction structuring to suit the specific client and project requirements

Engagement with Regulatory Bodies & other Stakeholders

Pulse of sectoral headwinds & tailwinds across industry and value chain

Market Intelligence & Relationship with Co-Bankers

Facilitate structuring and exposure strategy

Yield Improvement & Risk Diversification with Underwriting and Sell-down

Increased Cross-Sell (Cash flow routing, Lead / Escrow Fees, NFB, etc.)

Meeting Bank’s ESG commitment through lending to sustainability sectors

Knowledge Banking & Thought Leadership

Financial Markets Customised solutions for clients

FX Sales

Debt Capital Markets & PD

Experienced sales team

Connect with a wide range of Large/Mid-Size Issuers

Corporates

NBFCs & FIs

Banks

InvITs

>15 yrs

5-15 yrs

<5 yrs

39%

47%

14%

Exotics

FX and Interest Rates Swaps

Remittances

Full Product Suite

FX Options

Currency Notes Imports

Forwards

Dedicated experienced product sales managers providing structured hedging solutions

Pan India Presence through sales centres

Active FX desk for providing best in class pricing for customer transactions

YesFX

Yes FxOnline

CCIL FX Retail Platform

Digital platforms across client segments

Comprehensive Product Suite

Diversified Investor Connect

Our Experience

Gsec/ SDLs/ IRS/ Vanilla Bonds / Commercial Paper

Securitization / Credit Enhanced Structures

High Yield Credits

Hedging Products like IRF and OIS

InvITs & Project Bonds

Bank / NBFC Debt

Numerous maiden issuances & multiple repeat mandates

▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪

Mutual Funds Banks Insurance Companies NBFCs Private Wealth Management Retiral Funds Corporate Treasuries Alternate investment Funds FPIs UCBs & RRBs

100+

Years of collective Team experience

1000+

Transactions originated since inception

50+

First-time issuers introduced to Debt Capital Markets

Bullion Desk

Consignment import

Outright domestic and Export Sales

Gold

Silver

Gold Metal Loan

s e p y T r e m o t s u C

Bullion Traders

Jewellery Mftg

Jewellery Exporters

Amongst top 3 banks in India for Bullion

Extended specialized desk coverage

Knowledge Banking Leveraging knowledge as a competitive differentiator to grow Banking Business

Business Economics Banking (BEB), Food & Agri Strategic Advisory & Research (FASAR), Corporate & Government Advisory (CGA)

A team of specialists with deep sectoral knowledge and expertise in Economy, Food & Agri, E-mobility & Urban Infra Knowledge events and Government / Private sector CXO level knowledge sharing engagements enable relationship deepening

Thought Leadership Events / Franchise Building

•

Knowledge partnerships with Government Bodies & Industry Associations

APEDA, SPICE BOARD, FICCI, CII, AMCHAM, ACMA, SOPA and CropLife

• Media presence including authored articles for

leading publications

Internal Knowledge Initiatives

•

Share market information with Business / Risk / Credit teams

Sharing macro perspectives with Business Units to enable decision making

• •

•

Knowledge backed client outreach

Private Sector • • Government Schemes (PLI, SAMPADA, AHIDF,

Strategic and project advisory

•

SPECS, State Schemes) Sharing views on economy, currency & interest rates

• Government

• •

•

Visioning, Policy & programs Policy Development, Investment Promotion, Strategic Roadmaps, Financial Impact Evaluation Scheme support to Govt. entities (PM eBus Seva, CIITIIS 2.0 etc.)

New client acquisition & relationship deepening

Branding & mindshare capture through thought leadership events / media presence

Industry connect through knowledge reports on key macro and sectoral themes

Digital @ Banking A blend of distinctive capabilities, integrated strategy and multi pronged delivery channels aimed at enhancing skill with better efficiency and profitability

Distinctive Capabilities

Business Integrated Strategy

Multi Pronged Delivery

Market Leadership – YBL processes ~1 in 3 Digital Payment transaction in India

‘Deliver the Bank’ to the Customer

- Curated Offerings across platforms

UPI Payments #1 Payee PSP (55.3% market share) #2 Payer PSP (33.3% market share )

“#1 Acquiring AePS Bank: Powering ~29.7%1 of all AePS Txns via ~792 K+ partner outlets2

98% Credit Cards Sourced Digitally 4

1,500+ API Stack Developed

‘IRIS’ – Retail Super APP with 150+ features

‘IRIS BIZ’– Super APP for Businesses with 100+ features

#2 in NEFT with ~99.0% Success Rate & 24%1 market share

50+ partners integrated real time leads mobilization

92% Individual SA & 93% eligible CA accounts Sourced Digitally

‘Leapfrogging’ from being Product Centric to Customer Centric - DIY I Assisted I Next Gen AI I Cloud Native

Foundational, Agile and Embedded Banking - UPI / Payments, IRIS, YES Smart Pay, Yes Genie, Yes Robot.

Leveraging Public Digital Infrastructure

- CBDC (Efficient Cash Management, Small Payments ) OCEN (Digital Cash Flow Financing), ONDC (Leverage Market Ecosystem), Account Aggregator (Data Sharing Consent Layer), ULI (Unified Lending Interface)

Future ready for both BaaS & BaaP Models 3

Drive Cost Reduction & Productivity Improvement

- Through ‘Digitization’ of internal processes

YES Bank ‘Digital & Transaction Banking Stack’

- Customer Journey’s, Assets and Apps

Internal Employee Facing Tools

- API Banking

Ecosystem Partnership

- Payment Aggregators, Co-branded cards, Third

Party Apps, Corporate BCs, Co-Lending, Marketplaces etc.

Better Mind Share & Wallet Share

Lower Acquisition, Txn and Servicing Cost

Scale and Profitability

1 Industry Source: RBI Payment System Indicators & NPCI for June ‘25 2 As of June 30, 2025 4 Including Assisted Journeys

3 BaaS: Banking as Service, BaaP: Banking as Product

IRIS A Next Gen ‘all-in-one’ retail SUPER APP

40 Lakhs

Registered customers

150+ Features live on IRIS

50%

47%

70%

~ 50k

App Ratings

Monthly Active Customers

Credit Card based loans (QL) sourced

Credit card EMI conversions done

Service Requests daily processed via IRIS

6% ▲ (Q-o-Q)

~9 logins per month per active user

57% ▲ (Q-o-Q) by Value

15% ▲ (Q-o-Q) by Value

92% Service Requests processed digitally

Add funds directly from homepage

Transfer funds abroad through LRS

Invest in FD with zero hassle

Primary channel for CC EMI sourcing

Invest in your future

4.3

4.7

IRIS Biz A Next Gen ‘all-in-one’ Business SUPER APP

3 Lakhs +

Registered customers

76,800+

74 Lakhs +

25,500 +

2600 +

Active Customers

Transactions

Tax Bill Payments

FDs opened

Scan to watch Video

YES PAY NEXT A Next Gen ‘UPI’ Payment App

UPI Payments | Bill Payment & Recharge | UPI Lite | Autopay Available in 2 languages | Gift cards, Vouchers & more...

40 Lakhs +

38%

35%

App store ratings

Registered customers

Quarterly Growth in User Base

Quarterly Growth in transacting users

4.6

4.8

Top plugin partners - Swiggy | Zerodha Coin |Annapurna Finance | Apollo Pharmacy

Simplified Dashboard

Quick & Secure Merchant Payments

UPI Lite –Auto top- up

Setup Recurring Payments

Zero Platform fee on Bill Payments

Pay Using Credit Card

YES Pay Biz One Stop Solution for Merchants

Collect | Manage | Grow

150,000+

1.5 X

1.28 Lakhs

App Store Ratings-

Registered Merchants

QoQ Throughput Growth

Monthly transactions valuing INR 793 Crores

4.6

On demand Instant Settlements | Multiple Collection Modes| Sub-User Management |Available in 6 languages

Powering Digital India with our Distinctive Capabilities

#1 UPI Payee PSP Bank Powering ~ 390mn txn daily

#2 UPI Payer PSP Bank Powering ~201 mn txn daily

CAGR 77.8%(Q4FY22-Q1FY26)

CAGR 43% (Q4FY22 Q1FY26)

39%

40% 38% 37% 36% 34% 34%

56% 55% 54%

57% 55%

35% 35%

33%

35%

30%

27%

32%

29%

32% 33%

0 1

1 1

2 1

3 1

4 2

5 2

8 2

4 3

2 5 . 5 3

% Credit Cards Issued Digitally1

CAGR 13.1% (Q4FY22-Q1FY26)

% CC Issued Digitally

UPI Payee PSP transactions

UPI Market Share

UPI Payer PSP transactions

UPI Market Share

~More than 3X growth in CMS Throughput Since Mar’22 CAGR 46.1% (Q4FY22-Q1FY26)

Steadily Market Share Gains; #2 in NACH

CAGR 90% (Q4FY22-Q4FY25)

79%

68%

120%

100%

80%

60%

40%

20%

88% 92% 95% 96% 95% 96% 98% 97% 98%

40.0

35.0

30.0

25.0

20.0

15.0

10.0

5.0

0.0

0 . 0 1

1 . 0 2

5 . 8 1

6 . 0 2

8 . 1 2

6 . 4 2

7 . 2 3

7 . 3 3

9 . 5 3

6 . 5 3

4 . 4 3

14.7% 15.3%

16.5% 17.0% 17.0%

15.0%

12.7%

11.3%

9.7%

6 . 1 1

3 . 6 3

9 . 4 4

9 . 3 5

4 . 2 6

7 . 0 7

7 . 3 7

5 . 2 8

8 . 5 8

3 . 9 7

Q4FY22 Q4FY23 Q1FY24 Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25

76.0

66.0

56.0

46.0

36.0

26.0

16.0

6.0

18.0%

16.0%

14.0%

12.0%

10.0%

8.0%

6.0%

4.0%

2.0%

0.0%

1 Includes offline assisted journeys

CMS Throughput (INR Tn)

NACH (Transactions, Mn)

NACH Market Share

UPI – Unified Payments Interface; PSP – Payment Service Provider NACH – National Automated Clearing House; CMS – Cash Management Services

YES Connect : Enriched Customer Experience B2B Marketplace

API’fication of our Marketplace model (YES Bank + Partner Offerings)

YES Bank Services

Partner Services

E-Invoicing

Smart Collections

Remittances

Payments (FT2/IMPS)

Expense Mgmt.

Card Solution Mgmt.

Digital KYC

Trade Finance Services

Payment Aggregator Services

Cardless cash withdrawal

Neo Bank services

Public Digital Infra - ONDC, CBDC, ULIP etc

ERP Integration

Prepaid issuance & Management

Related image

Statutory Payments

YES Bank & Partner Stack

Sachetization of Solutions across Industry Segments

FinTechs

Retailers

Exchange Houses

Co-operative Banks

NBFCs

Education

Manufacturers

MSME

Pharma

Curated Segmental Solutions

Merchant acquiring

Supply Chain Business

Hospitality

Hospital

Digital Loan Mgmt.

Digital KYC & Due-diligence

& Many Others

Services across

Others..

Liabilities, General Banking and Cash Management

Trade, Remittances, FX and Supply Chain

Working Capital Financing and Service Fulfilment

Public Digital Infrastructure

Service Fulfilment

Beyond Banking (Partner Soln.)

Ecosystem Partners Digitizing client journeys & creating inorganic client acquisition funnel through Fintech partnerships

Partnership roadmap of Digital & Transaction Banking

Source Digital

Onboard Digital

Transact Digital

Service Phygital

Monitor Digital

▪ Digital Acquisition at

▪ Digital Client Onboarding

▪ API’fication of all Bank Products

▪ Digital tools for FTR query

▪ Digitalized reporting & MIS

Scale thru Partnerships – CA-SA accounts, Supply Chain, Cards, Retail Assets, etc

& Product Setups

▪ Create STP journeys for Liability

resolution at low-cost model

▪ End-to-end digital Sales

▪ Digital a/c Opening

& Asset products

▪ AI led Service resolution

force

▪ with Instant a/c Operations

▪ FinTech Partnership & integration

▪ ML led Digitalized

Compliance, FRM, AML

Quantum Force Multiplier for Inorganic Client Acquisition across…

Third Party Apps

Corporate BCs

Market Place

Payment Aggregators

Co-Branded Cards

Large Merchants

… & many more

Transaction Banking Leveraging the strength of solutioning, leading to granular CASA, LC, Guarantees, FX

Sachetization of Transaction Banking: Curated Solutioning by Client Segments

STRENGTHENING FRANCHISE

Large Corporates

B2C

FinTech & Exchange Houses

Large Corporates

B2B

Insurance / MFs / Broking

98%1 of CASA is embedded with Digital & Transaction Banking Product & Solutions

Pharma

Co-operative / Small Finance Banks

84%1 of CA has 2+ PPI*

Market Leadership – YBL processes 1 in 3 Digital Payment transaction in India UPI – 55.3% Rank #1 in Payee PSP | NEFT – 20% Rank #2 | IMPS – 7.5% | NACH – 15% Rank #2 | AePS – 26.8% Rank#1

3% in NACH & 46% growth in BBPS YoY , ~5.4% Market Share in LRS1, ~12% share in RDA1

Media & Entertainment

Government Schemes

NBFC

Education, Hospitals & Hospitality

* PPI @ Product Penetration Index, TB @ Transaction Banking, # NPCI, 1 Nos for FY25

93%1 of all Lending Clients have 1+ TB Product Embedment

31% growth in total Tax payments 40% growth in direct taxes 29% growth in GST payments 47% growth in EPFO

Agency Business

YES BANK is authorized as an Agency Bank to collect Central & State Tax Payments YES Tax Pay – An integrated collection suite enabling seamless tax payments across government tax portals.

YES Tax Pay

E-PAYMENTS

YBL BRANCH

PAYMENT GATEWAY

•

Direct Integration for YES Bank Net Banking Channels.(Retail and Corporate)

Central Mandates

State Mandates

Integrated flow for OTC (Over the Counter) collections at YES BANK Branches.

Integrated with YES SMARTPAY (Collection Suite) for Multiple payment modes via Payment Gateway.

Integrated with eKuber 2.0 for automated regulatory reporting

4 central empanelment received

Live for GST, CBDT, CUSTOMS & EPFO

8 State empanelment received

Live for Assam & Meghalaya

GOODS AND SERVICES TAX (GST)

DIRECT TAX (TIN 2.0)

CUSTOMS & EXCISE

Employees' Provident Fund Organization – (EPFO)

13K

To know more Scan QR

Launched on 13th March 2025

10,079 Active Customers

Launched on 27TH June 2025

323 Active Customers

To know more Scan QR

Launched on 3rd June 2025

172 Active Customers

To know more Scan QR

Launched on 9th June 2024

4,583 New Clients

>13k active customer within 3 months of launch

Responsible franchise with sustainability at its core

S&P Global ESG Score Highest Score amongst Indian banks in the 2024 S&P Global CSA*

FTSE4Good Included in FTSE4Good Index Series for the third consecutive year (2023, 2024, 2025)

CDP Highest rated Indian Bank for climate disclosures 2024 – rated ‘A-’ (Leadership Band)

MSCI Index Constituent of MSCI ACWI’s Low Carbon Leaders Index, ACWI Climate Change Index, among others

Aligning with global frameworks

Taking the lead in climate and sustainable finance

First Indian Bank to be a Founding Signatory to UNEP FI Principles for Responsible Banking, striving to align its business strategy with the Paris Agreement and UN SDGs

First Indian Bank to support and publish enhanced disclosures in line with TCFD recommendations

First Indian Bank to measure and report financed emissions of its electricity generation loan exposure and set decarbonization targets

Launched India’s first Green Bond and Green Fixed Deposit product

One of only 5 Accredited Entities to the Global Climate Fund

Robust ESG & Climate Governance

CSR & ESG Committee of the Board: Highest governance body that drives the Bank's ESG agenda

Sustainable Finance (SF) Unit: Implements the Bank’s sustainability strategy in coordination with sustainability SPOCs from BUs across the organization to

Sustainability Council: Executive committee chaired by the MD & CEO, develops and reviews the Bank’s sustainability strategy

ESG KPIs: Domain-specific ESG KPIs integrated into the goals of Top Management

* S&P Global Corporate Sustainability Assessment (CSA) 2024 - (YES BANK achieved a CSA Score of 72 (out of 100) and ESG Score of 73 (out of 100) as of December 16, 2024. Only Indian bank included in the S&P Global Sustainability Yearbook 2025

Integrating ESG considerations across the Bank’s business and operations

Environment

Social

Governance

23.17%* proportion of women in the Bank’s workforce in FY 2024-25

54% of the Directors on the Bank’s Board are Independent Directors

15% of Directors on the Bank’s Board are women

6.49 lakh* active women customers under the Bank’s flagship group-lending programme, YES LEAP in FY 2024-25

22,000+ youth, farmers, women and artisans* from rural India impacted through employment and entrepreneurship interventions by YES Foundation in FY 2024-25, with a target to impact over 1,00,000 individuals by 2026

Environmental Management: First Bank globally with 1,186, ISO 14001:2015 certified facilities under its Environmental Management System

Net zero by 2030: Committed to reduce GHG emissions from operations to net zero by 2030. Switched key facilities including YES BANK House to 100% renewables

Responsible lending: Instituted an Environment and Social Risk Management System (ESMS) to integrate E&S risks into overall credit risk assessment framework

Climate action: First Indian Bank to report financed emissions (electricity generation). Continued focus on financing renewable energy, electric vehicles, and rooftop solar adoption amongst MSMEs

Agroforestry: 2,00,000 trees planted on farmer’s land for enhancing green cover and providing an additional source of income to farmers, with a target to plant 1 million trees by 2028

* Figures for FY 2024-25 are unaudited

Robust Governance Structure – Board Members

Eminent and Experienced Board

Rama Subramaniam Gandhi Non-Executive, Part time Chairman, Independent Director

Atul Malik Independent Director

Sharad Sharma Independent Director

Rekha Murthy Independent Director

Nandita Gurjar Independent Director

Sanjay Kumar Khemani Independent Director

Sadashiv Srinivas Rao Independent Director

Sandeep Tewari Nominee Director appointed by SBI

Thekepat Keshav Kumar Nominee Director appointed by SBI

D. Shivakumar1 Additional, Non- Executive Director

1 Appointed as Additional Director (Non-Executive Director; Nominee of Verventa Holdings Limited) w.e.f. June 27, 2025, in place of Ms. Shweta Jalan who ceased to be Non- Executive Director

(Nominee of Verventa Holdings Limited)

Prashant Kumar Managing Director & CEO

Rajan Pental Executive Director

Manish Jain Executive Director

Professional and Seasoned Management team

Niranjan Banodkar Chief Financial Officer

Archana Shiroor Chief Human Resources Officer

Rakesh Arya Chief Credit Risk Officer

Naveen Chaluvadi Chief Digital Officer

Binu Soman

Chief Vigilance Officer

Sanjay Abhyankar1 Company Secretary

Tushar Patankar2 Chief Risk Officer

Rajat Chhalani3 Chief Compliance Officer

Kapil Juneja3 Chief Internal Auditor

Prashant Kumar Managing Director & CEO, YES Bank

Dr. Rajan Pental Executive Director

Manish Jain Executive Director

Dheeraj Sanghi Country Head - Retail Liabilities, Fee & Business Banking

Sumit Bali Country Head - Retail Assets and Debt Management

Sachin Raut Chief Operating Officer

Mahesh Ramamoorthy Chief Information Officer

Anil Singh Country Head – Credit Cards and Merchant Acquiring

Nipun Kaushal Chief Marketing Officer and Head CSR

1 Reports directly to the Chairman of the Board 2 Reports directly to the Risk Management Committee of the Board 3 Reports directly to the Audit Committee of the Board

Gaurav Goel Country Head - Commercial Banking

Parminder Singh Country Head - Large Corporates

Nirav Dalal Country Head - Financial Markets

Ajay Rajan Country Head - Transaction Banking

Ashish Dadhich Country Head - Financial Institutions

Indranil Pan Chief Economist

Santosh Mishra Business Head PSL and Microfinance

Mukesh Kumar National Head - Project Finance & Loan Syndication

Arvind Nair National Head - Real Estate

Strong people focus: Stable leadership with focus on up-skilling talent, objective performance management & enabling employee flexibility

Leadership Development

Knowledge Management

DEI Initiatives

Employee Engagement

• Senior Management employees have an average vintage of over 9 years in the Bank combined with

onboarding top talent from the industry.

• Leading through Change: Customized workshop for Leaders to build agility, leverage strengths, and

drive impactful change.

• Design Thinking: Learning on applying human centric approach, creatively define problem statements to solve real world business challenges and rethink customer journeys to drive meaningful change.

• Tailored training for on fraud, money mules and customer service. • HNI Engagement Excellence Program for Relationship Managers on behavioral nuances and psychological barriers and equip them with softer and more qualitative aspects of wealth management program.

• RBI’s Framework for Treatment of Willful & Large Defaulters: Risk team trained on RBI guidelines for identifying and classifying willful defaulters and case studies on identification and classification of such accounts.

• YES Emerging Professional Entrepreneurship Program (Y-EPEP): The Bank conducted 2 months Summer Internship Program with 21 interns (selected from 11 top-tier institutes across India) across 12 key business units involving structured learning feedback and final evaluation.

• On World Health Day a session was hosted on ‘Neurodiversity & Well-being’ which focused on

embracing diverse strengths for inclusive workplace.

• On International Pink Day our session ‘YES to ALL’ encouraged allyship and empathy to combat

bullying and foster inclusion in the workspace.

• During Pride Month, we hosted sessions including ‘Diverse Voices, United Purpose’, ‘From Silence to Strength’, and ‘Understanding Pride’, focusing on LGBTQIA+ inclusion, authentic storytelling, and creating inclusive, ally-driven workplaces.

• The Annual Performance Review (APR) exercise of the Bank for FY25 was closed for 21,000+ employees in May 2025, including career Action for 2,400+ Junior Management employees in the form of promotions w.e.f. April 01, 2025.

• Physical & Mental Well-Being: Regular yoga sessions, wellness webinars, and health-focused initiatives like Blood Donor Day and Brain Health were conducted to support employees' well-being. • Soil to Soul Workshop: Held on World Environment Day, employees engaged in indoor plant care and

a carbon footprint webinar to promote sustainable living.

• Experiential Workshop: 30 creative sessions across 23 locations offered 1,070 employees a

refreshing break from routine work.

• Sports Initiatives: Inter-corporate cricket and football events, along with a Mental Health Sudoku

Championship across 5 locations, promoted fitness, teamwork, and mental well-being

Grades2

Q1FY261

Q4FY25 Q1FY25

G1 to G3

307

315

346

G4 to G6

3,526

3,645

4,011

G7 to G12

24,553

24,727 24,175

Total

28,386

28,687 28,532

Total headcount of 28,389 with a net reduction of 301 staff over the headcount of March 31, 2025

1 Data as June 30, 2025. 2 The data excludes MD & CEO and Executive Director

Strong Investor base

Well diversified Investor base:

Shareholding Pattern as on June 30, 2025

YES Bank Limited has informed the Exchange regarding a press release dated July 19, 2025, titled "Press Release and Investor Presentation on the Financial Results for the Quarter (Q1) ended on June 30...

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