YESBANKNSE18 October 2025

Yes Bank Limited has informed the Exchange regarding a press release dated October 18, 2025, titled "Press Release and Investor Presentation on the Financial Results for the Quarter (Q2) and half year...

Yes Bank Limited

✓vESBANK

YBL/CS/2025-26/133

October 18, 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

(Q2) and half year ended on September 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 October 18, 2025, wherein the Bank had disclosed the Un-Audited Standalone and Consolidated Financial Results of the Bank for the Quarter (Q2) and half year ended on September 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 (Q2) and half year ended on September 30, 2025, is also enclosed herewith for appropriate dissemination.

The weblink of BSE Limited and National Stock Exchange of India Limited providing the above the Bank’s website www.yes.bank.in or www.yesbank.in pursuant to Listing Regulations, as amended

is being hosted on

information

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

www.yesbank.in I shareholders@yesbank.in I Tel: +91 (22) 5091 9800/6507 9800 YES BANK Limited, YES BANK House, Off Western Express Highway, Santacruz (El , Mumbai - 400055 CIN: L651901'111H2003PLC143249

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

Key Highlights

Oct 18, 2025

▪ Q2FY26 PAT at INR 654 Crs, up 18.3% Y-o-Y; Normalized for tax refunds in Q2FY25, PAT

up ~30% Y-o-Y

• RoA at 0.6% v/s. 0.5% in Q2FY25 & 0.8% in Q1FY26

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

o Cost of Deposits lower by 40bps Y-o-Y and 20bps Q-o-Q at 5.7%

• Non-Interest Income at INR 1,644 Crs up 16.9% Y-o-Y

• Cost to Income Ratio at 67.1% v/s 73.0% in Q2FY25 and 67.1% in Q1FY26

• Operating Costs at INR 2,649 Crs up only 0.6% Y-o-Y and down 4.2% Q-o-Q

▪ Operating Profit at INR 1,296 Crs up by 32.9% Y-o-Y. Normalized for Treasury Income,

Operating Profit grew 31.8% Q-o-Q

▪ Balance Sheet growth gains traction; Deposit momentum continues

•

Total Deposits at INR 2,96,276 Crs up 6.9% Y-o-Y and 7.4% Q-o-Q

o CASA Deposits grew 12.5% Y-o-Y; CASA Ratio at 33.7% up 170 bps Y-o-Y & 90 bps Q-o-Q

o Retail & Branch Banking led Deposits growth at 13.7% Y-o-Y; Retail CASA at 39.6%

• Advances crossed the milestone of INR 2.5 lacs Crs; Net Advances at INR 2,50,212

Crs up 6.4% Y-o-Y and 3.8% Q-o-Q. Strong pickup in Disbursements across segments

▪ Asset Quality improves with Slippages lower Q-o-Q at 2.0% of Advances (v/s. 2.4% in Q1FY26) and PCR at 81.0% (v/s. 70.0% in Q2FY25 & 80.2% in Q1FY26); GNPA/ NNPA ratios stable Q-o-Q

▪ Credit Rating Upgrades: India Ratings & CRISIL upgraded Long Term rating to AA- from

A (in Aug’25) with revision of outlook to ‘Stable’

▪ Opened 43 new branches during FY26 so far out of the target of 80 branches for the full year

▪ SMBC becomes the largest Shareholder of the Bank, acquiring a stake of 24.2%. SBI

continues to be a major shareholder with over 10% holding

Commenting on the results and financial performance, Mr. Prashant Kumar, Managing Director & CEO, YES BANK said, “The Bank delivered strong performance across key operating metrics during Q2FY26. Deposit growth momentum sustained, with continued outperformance relative to the industry, particularly in CASA deposits. Disbursements recorded healthy sequential growth, supported by broad-based traction across segments, including around 20% Q-o-Q growth in the Retail segment.

Asset quality further strengthened during the quarter, with decline in fresh slippages and overdue balances as well as an improvement in Provision Coverage Ratio. Net Interest Margin was broadly stable, aided by lower RIDF balances and deposit rate actions/ repricing, which largely offset the impact of asset repricing. Core fee income witnessed healthy growth, led by forex, loan processing fees, and third-party distribution, while operating expenses were tightly controlled, resulting in healthy growth in core operating profitability.

All these enabled the Bank to deliver an RoA of 0.7% for H1FY26 and we firmly remain on track to achieve the stated objective of 1% RoA by FY27.”

Page 1 of 4

Profit and Loss

Financial Highlights

▪ Q2FY26 NII at INR 2,301 Crs up 4.6% Y-o-Y

▪ NIM for Q2FY26 at 2.5% up 10bps Y-o-Y and flattish Q-o-Q, as reduction in balances of deposits made in lieu of PSL shortfall and deposit rate cuts/ repricing impact, largely offset the Asset repricing impact

▪ Non-Interest Income at INR 1,644 Crs, up 16.9% Y-o-Y. Normalizing for Treasury

Income, Q2FY26 Non-Interest Income up 11.8% Y-o-Y and 18.2% Q-o-Q

▪ Operating Costs at INR 2,649 Crs up only 0.6% Y-o-Y and lower by 4.2% Q-o-Q,

reflective of the tight control on Operating costs by the Bank

▪ Provision Costs (Non-Tax) at INR 419 Crs (0.4% of Avg. Assets) for Q2FY26

▪ Operating Profit for Q2FY26 at INR 1,296 Crs up 32.9% Y-o-Y. Normalized for Treasury

Income, Operating Profit up 26.6% Y-o-Y and 31.8% Q-o-Q

▪ Net Profit for Q2FY26 at INR 654 Crs up 18.3% Y-o-Y

▪ Q2FY26 RoA at 0.6% v/s. 0.5% in Q2FY25 & 0.8% in Q1FY26; H1FY26 RoA at 0.7%

v/s. 0.5% in H1FY25

Balance Sheet

▪ Net Advances at INR 2,50,212 Crs, registered growth of 6.4% Y-o-Y and 3.8% Q-o-Q.

Strong pick up in Disbursements across segments on Q-o-Q basis:

• Retail Disbursement up 19.8% Q-o-Q

• Fresh Sanctions/ Limit Set-ups across both Commercial Banking & Corporate

Banking have nearly doubled on Q-o-Q basis

▪ C/D ratio at 84.5% v/s. 84.8% in Q2FY25 and 87.4% in Q1FY26

▪ Total Deposits at INR 2,96,276 Crs grew 6.9% Y-o-Y and 7.4% Q-o-Q, with continued

outperformance in CASA

• CASA Ratio at 33.7% v/s. 32.0% in Q2FY25 and 32.8% in Q1FY26

• CA balances grew 7.3% Y-o-Y and 21.1% Q-o-Q

• SA balances grew 17.1% Y-o-Y and 3.2% Q-o-Q

• New Retail CASA Accounts opened at ~2.54 lakhs in Q2FY26

▪ Average Quarterly LCR during the quarter remains healthy at 125.1%; LCR as on

September 30, 2025, at 124.2%

▪ CET I Ratio stands at 13.9% v/s. 13.2% in Q2FY25 and 14.0% in Q1FY26

• RWA to Total Assets at 71.7% v/s 70.7 % in Q2FY25 and 72.7% in Q1FY26

▪ Deposits made in lieu of prior period PSL shortfalls at INR 33,557 Crs - lower 22.6% Y-o-Y and 8.8% Q-o-Q, now account for 7.8% of Total Assets; consequently, Borrowings down 20.9% Y-o-Y and 6.9% Q-o-Q

Page 2 of 4

Asset Quality

▪ GNPA Ratio at 1.6% in Q2FY26 flat both Y-o-Y and Q-o-Q

▪ NNPA Ratio at 0.3% in Q2FY26 down 20 bps Y-o-Y and flat Q-o-Q

▪ PCR at 81.0% in Q2FY26 v/s 70.0% in Q2FY25 and 80.2% in Q1FY26

▪ Gross Slippages for Q2FY26 at INR 1,248 Crs (2.0% of Advances) v/s. INR 1,458 Crs

(2.4% of Advances) in Q1FY26.

▪ Total Recoveries & Upgrades for Q2FY26 at INR 854 Crs

Other Highlights/ Achievements

▪ SMBC becomes YES BANK’s largest shareholder with a 24.2% stake; this marks the largest cross-border investment in an Indian private sector bank; SBI continues as a major shareholder with over 10% holding

▪ Appointment of Mr. Rajeev Veeravalli Kannan and Mr. Shinichiro Nishino as Non-

Executive & Non-Independent Directors, nominated by SMBC

▪ Credit Rating: Upgraded to AA- by CRISIL, and India Ratings. The Bank is now rated AA-

by all the Domestic Credit Rating agencies

▪ Opened 43 new branches during FY26 so far out of the target of 80 branches for the full

year

▪ Partnered with Govt. of Tamil Nadu to serve as the Critical Payment and Banking Partner

for the newly launched Chennai One App

YES BANK’s Analyst conference call, scheduled on Oct 18, 2025 at 2:30 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.yes.bank.in/

For further information, please contact:

YES BANK

Neha Chandwani Lead Corporate Communication

Email: neha.chandwani@yes.bank.in

Page 3 of 4

Financial Highlights from Q2FY26 Results

Profit & Loss Statement Highlights

(INR Crs)

Q2FY26

Q1FY26

Growth %

Q2FY25

Growth %

Net Interest Income

Non-Interest Income

Total Net Income

Operating Profit/(Loss)

Provisions

Net Profit / (Loss)

Basic EPS (INR)

2,301

1,644

3,945

1,296

419

654

0.21

2,371

1,752

4,124

1,358

284

801

0.26

-3.0%

-6.2%

-4.3%

-4.5%

47.5%

-18.3%

-18.0%

2,200

1,407

3,607

975

297

553

0.18

4.6%

16.9%

9.4%

32.9%

41.0%

18.3%

18.7%

Key P & L Ratios

Q2FY26

Q1FY26

Q2FY25

Return on Assets (annualized)

Return on Equity (annualized)

NIM

Cost to Income Non-interest income to Total Income

0.6%

5.4%

2.5%

67.1%

41.7%

0.8%

6.6%

2.5%

67.1%

42.5%

0.5%

4.9%

2.4%

73.0%

39.0%

(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-Sep-25

30-Jun-25

Growth

30-Sep-24

Growth

6.4%

6.9%

6.0%

0.6%

2.6%

250,212

241,024

296,276

275,843

49,197

47,941

48,644

48,248

429,035

410,248

3.8%

7.4%

1.1%

-0.6%

4.6%

Key Balance Sheet Ratios

15.6%

13.9%

15.7

1.6%

0.3%

16.2%

14.0%

15.5

1.6%

0.3%

88.5%

88.0%

271

378

33.7%

32.8%

125.1%

135.8%

235,117

277,214

46,407

47,667

418,092

16.1%

13.2%

14.8

1.6%

0.5%

81.5%

2,125

843

32.0%

132.0%

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 Q2FY26 Financial Results

October 18, 2025

Contents

✓vESBANK

.____L __ _ ______ / Financial Results - Q2FY26

YES BANK Franchise

Results At a Glance – Q2FY26

All amounts in INR Crs

✓vESBANK

Arrows indicative of Y-o-Y trends

Total Assets

Advances

429,035

4.6% : Q-o-Q 2.6%: Y-o-Y

250,212

3.8% : Q-o-Q 6.4%: Y-o-Y

Deposits

296,276

7.4% : Q-o-Q 6.9%: Y-o-Y

CD Ratio

Advances Mix1

Disbursement2

84.5%

v/s.

87.4% Q1FY26

84.8% Q2FY25

Retail :

Commercial:

Corp. & Insti. Banking (CIB)

48%:25%:27%

49% : 25% : 26% in Q1FY26

50% : 23% : 27% in Q2FY25

24,507

18,812: Q1FY26; 23,998: Q2FY25

Net Interest Income

Non-Interest Income

Operating Profit

Profit After Tax

NIM%

C/I Ratio

2,301

(3.0%): Q-o-Q; 4.6%: Y-o-Y

1,644

(6.2%): Q-o-Q 16.9%: Y-o-Y

1,296

(4.5%): Q-o-Q 32.9% : Y-o-Y

654

(18.3%): Q-o-Q 18.3%: Y-o-Y

2.5%

v/s.

2.5% Q1FY26 2.4% Q2FY25

67.1%

v/s.

67.1% Q1FY26 73.0% Q2FY25

CASA Ratio

CET 1 Ratio3

GNPA

NNPA

33.7%

v/s.

32.8% Q1FY26

32.0% Q2FY25

13.9%

v/s.

14.0% Q1FY26

13.2% Q2FY25

1.6%

v/s.

1.6% Q1FY26

1.6% Q2FY25

0.3%

v/s.

0.3% Q1FY26

0.5% Q2FY25

Net Carrying Value of SRs as % of Advances

RoA

NIL

v/s.

0.0%:Q1FY26

0.4% Q2FY25

0.6%

v/s.

0.8% Q1FY26 0.5% Q2FY25

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 Q2FY26 (1)

✓vESBANK

Balance Sheet Highlights

▪ Sustained momentum in Deposits; CASA growth continues to outperform Industry

• Total Deposits at INR 2,96,276 Crs grew 6.9% Y-o-Y and 7.4% Q-o-Q

• CASA Deposits at INR 99,708 Crs grew 12.5% Y-o-Y and 10.4% Q-o-Q; on AQB1 basis, CASA Deposits grew 13.6% Y-o-Y

• CASA Ratio at 33.7% up 170 bps Y-o-Y and 90 bps Q-o-Q

• CA deposits grew 7.3% Y-o-Y and 21.1% Q-o-Q

• SA deposits grew 17.1% Y-o-Y and 3.2% Q-o-Q

• Retail & Branch Led Deposits at INR 1,71,978 Crs grew 13.7% Y-o-Y; on AQB1 basis growth was even higher at 17.8% Y-o-Y

• Retail & Branch Led CASA Ratio at 39.6% up 210 bps Y-o-Y and 140 bps Q-o-Q

▪ Advances crossed the milestone of INR 2.5 lacs Crs; at INR 2,50,212 Crs up by 6.4% Y-o-Y and 3.8% Q-o-Q; Strong disbursements growth across segments;

▪ Retail Banking advances up 2.4% Y-o-Y2; Resumption of growth momentum in Retail assets: Disbursements for Q2FY26 up ~20% Q-o-Q

• Commercial Banking advances up 16.5% Y-o-Y2, Corporate & Institutional Banking Advances up 5.4% Y-o-Y2

▪ CET I Ratio at 13.9% v/s. 13.2% in Q2FY25 and 14.0% in Q1FY26

▪ Deposits made in lieu of prior period PSL shortfalls lower by 22.6% Y-o-Y and 8.8% Q-o-Q, further reduced to INR 33,557 crs (7.8% of Total Assets); In conjunction Total

Borrowings also lower by 20.9% Y-o-Y and 6.9% Q-o-Q The Bank remains on track to continue ensuring NIL Shortfall in PSL requirement (overall & subcategories) for the year Improvement in Asset Quality: Slippages lower Q-o-Q & Provision Coverage Ratio further improves to 81.0%

▪ ▪

• GNPA ratio at 1.6% flat Y-o-Y and Q-o-Q; Net NPA ratio improved to 0.3% v/s. 0.5% in Q2FY25 and 0.3% in Q1FY26

• NPA Provision Coverage Ratio (PCR) further increased to 81.0% v/s.80.2% in Q1FY26 and 70.0% in Q2FY25

• Gross Slippages for Q2FY26 at INR 1,248 Crs (2.0% of Advances) 3 v/s. INR 1,458 Crs (2.4% of Advances) 3 in Q1FY26 and INR 1,314 Crs (2.2% of Advances) 3 in Q2FY25

• Restructured advances at INR 271 Crs (~0.11% of Advances v/s. ~0.93% in Q2FY25)

• Total Recoveries & Upgrades for Q2FY26 at INR 854 Crs, including recoveries from Security Receipts of INR 220 Crs

1 Avg. Quarterly Balance; 2 Growth rates normalized for Inter- segment movement of Products and Customers during the quarter; 3 Annualized & expressed as % of period end balance

Highlights for Q2FY26 (2)

✓vESBANK

P&L Highlights

▪ Net Profit of INR 654 Crs for Q2FY26; up 18.3% Y-o-Y; normalized for Income tax refunds in Q2FY25, Profit growth at ~30% Y-o-Y

• Q2FY26 RoA at 0.6% v/s. 0.5% in Q2FY25

• Q2FY26 Operating Profit at INR 1,296 Crs up by 32.9% Y-o-Y; Normalized for Treasury gains, Operating Profit growth at 26.6% Y-o-Y and 31.8% Q-o-Q

▪ Q2FY26 NIM up 10bps Y-o-Y and flat Q-o-Q at 2.5%; asset repricing impact largely offset by reduction in RIDF, and SA / TD rate cuts / repricing

• Cost of Funds lower by 30 bps Q-o-Q aided by lower Cost of Deposits (lower by 20 bps Q-o-Q) and lower Borrowing mix

▪ Q2FY26 Non-Interest Income at INR 1,642 Crs up 16.8% Y-o-Y; normalized for treasury gains, core Non-Interest Income up 11.9% Y-o-Y and 18.2% Q-o-Q

▪ Cost to Income Ratio at 67.1% for Q2FY26 v/s 73.0% in Q2FY25 and 67.1% in previous quarter

▪ Q2FY26 Operating Costs at INR 2,649 Crs up by 0.6% Y-o-Y and lower by 4.2% Q-o-Q

▪ Q2FY26 Non-Tax Provision Costs at INR 419 Crs (0.4% of Assets 1)

▪ Gross P&L Gain from Security receipts at INR 220 Crs for Q2FY26

Key Achievements/ Initiatives

▪ SMBC becomes YES BANK’s largest shareholder with a 24.2% stake; this marks the largest cross-border investment in an Indian private sector bank by a foreign bank; SBI

continues as a major shareholder with over 10% shareholding

▪ Appointment of Mr. Rajeev Veeravalli Kannan and Mr. Shinichiro Nishino as Non-Executive & Non-Independent Directors, nominees of SMBC

▪ Credit Rating : Upgraded to AA- by CRISIL, and India Ratings. The Bank is now rated AA- by all the Domestic Credit Rating agencies, the highest level since March 2020: reflecting a

strengthened capital position, robust governance, and improved business performance

▪ YTD new branch additions of 43 out of the full year target of 80 branches

▪ Partnered with Govt. of Tamil Nadu to serve as the Critical Payment and Banking Partner for the newly launched Chennai One App

1 Annualized

Profit and Loss Statement

All amounts in INR Crs

✓vESBANK

• Net Profit for Q2FY26 at INR 654 Crs up 18.3% Y-o-Y; normalized for Income tax refunds in Q2FY25, Profit growth at ~30% Y- o-Y

• Operating Profit for Q2FY26 at INR 1,296

Crs up 32.9% Y-o-Y

• Core Operating Profit for Q2FY26 at INR

1,152 Crs up 26.6% Y-o-Y

• Q2FY26 NII at INR 2,301 Crs up 4.6% Y-o-Y

aided by reduction in cost of funds

• NIM up 10bps Y-o-Y and flat Q-o-Q at 2.5%; asset repricing impact largely offset by reduction in RIDF, and deposits rate cuts/ repricing

• Non-Interest Income at INR 1,644 Crs, up

16.9% Y-o-Y

• Operating Costs (Opex) at INR 2,649 Crs

marginally up 0.6% Y-o-Y

• Provision Costs (non-tax) at INR 419 Crs for

Q2FY26

•

Gross P&L Gain from Security receipts at INR 220 Crs for Q2FY26

1 Normalised for Realised & Unrealised Gain on Investments / Treasury Income

Q2FY26Q1FY26Q2FY25Q-o-QY-o-YNet Interest Income2,3012,3712,200-3.0%4.6%Non Interest Income1,6441,7521,407-6.2%16.9%Core Non Interest Income1,4991,2681,34118.2%11.8%Total Income3,9454,1243,607-4.3%9.4%Operating Expenses2,6492,7662,632-4.2%0.6%Staff Cost1,0071,0201,008-1.3%-0.1%Other Operating Expenses1,6421,7451,624-5.9%1.1%Operating Profit/(Loss)1,2961,358975-4.5%32.9%Core Operating Profit/ (Loss)1,15287491031.8%26.6%Provisions41928429747.5%41.0%Profit Before Tax8781,074678-18.3%29.4%Tax Expense223273125-18.3%78.3%Net Profit / (Loss)654801553-18.3%18.3%Yield on Advances9.5%9.9%10.2%Cost of Funds6.0%6.3%6.4%Cost of Deposits5.7%5.9%6.1%NIM2.5%2.5%2.4%Cost to income67.1%67.1%73.0%Profit and Loss Statement Quarter EndedGrowthBreak Up of Non-Interest Income

All amounts in INR Crs

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• Non-Interest Income for Q2FY26 at INR

1,644 Crs, up 16.9% Y-o-Y

• Core Fees for Q2FY26 at INR 1,499 Crs,

up 11.8% Y-o-Y

• Share of Retail in Core Fees for Q2FY26

at 55.5%

• Card Product fees grew 26.1% Y-o-Y

aided by increase in Credit Card spends

• Sustained traction in Third party product

income primarily

Q2FY26Q1FY26Q2FY25Q-o-QY-o-YNon Interest Income1,6441,7521,407-6.2%16.9%Of which realised/ unrealised gain on Investments14548465-70.1%121.3%Core Fees1,4991,2681,34118.2%11.8%FX Income23421021311.7%9.9%Trade & CMS287292305-1.8%-5.7%Third party Product (INS/INV)24614922265.2%10.9%Loan Processing Fee & Prepayment Charges26118323242.5%12.7%Card Product fees2572432045.8%26.1%General Banking & Others21319016512.0%28.6%Proportion of Retail in Core Fees55.5%56.4%60.2%Break up of Non Interest IncomeQuarter EndedGrowth Break up of Operating Expenses

All amounts in INR Crs

✓vESBANK

• Operating Costs for Q2FY26 at INR 2,649

Crs up marginally 0.6% Y-o-Y and down 4.2%

Q-o-Q

• C/I for Q2FY26 at 67.1% (v/s.73.0% in

Q2FY25) and 67.1% in Q1FY26

•

Strong expansion in jaws with Total

Income growth at 9.4% YoY and

Operating Expenses growth at 0.6%

• Despite robust Q-o-Q traction in Business

volumes, tighter cost control enabled 5%

Q-o-Q reduction in Business volume linked

Costs

1 Certain 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

Q2FY26Q1FY26Q2FY25Q-o-QY-o-YManpower Cost1,1521,1601,156-0.6%-0.3%Of which On roll staff cost1,0071,0201,008-1.3%-0.1%Business Volume Linked720758713-5.0%1.0%IT306332300-7.9%1.9%Premises255257259-0.6%-1.5%Professional Fees60487026.9%-13.6%Others278455-67.8%-51.3%PSLC Cost128128780.0%65.1%Total Opex2,6492,7662,632-4.2%0.6%Break up of Operating ExpensesQuarter EndedGrowthProvisions and P&L

All amounts in INR Crs

•

Total Provisions for Q2FY26 up 52.1% Y-o-Y & up 15.3% Q-o-Q

•

Provision Costs (non-tax) at INR 419 Crs for Q2FY26 up 41.0% Y-o-Y

Provisions for Investments includes:

• Gross P&L gain from SRs at INR 220

Crs in Q2FY26

•

Total Recoveries & Upgrades for Q2FY26 at INR 854 Crs

• Annualised Credit Costs at 0.4% of Avg. assets

• Q2FY26 RoA at 0.6% (Annualized) vs.0.5% in

Q2FY25 and 0.8% in Q1FY26

✓vESBANK

Q2FY26Q1FY26Q2FY25Q-o-QY-o-YOperating Profit/(Loss)1,2961,358975-4.5%32.9%Provision for Taxation (A)223273125-18.3%78.3%Non Tax Provisions (B)41928429747.5%41.0%Provision for Investments-233-345-256-32.6%-9.1%Provision for Standard Advances-37-56-131-34.3%-71.9%Provision for Non Performing Advances6896866840.4%0.6%Total Provisions (A+B)64255742215.3%52.1%Net Profit / (Loss)654801553-18.3%18.3%Return on Assets (annualized)0.6%0.8%0.5%Return on Equity (annualized)5.4%6.6%4.9%EPS-basic (non-annualized) 0.21 0.26 0.18 Break up of ProvisionsQuarter EndedGrowthBalance Sheet

All amounts in INR Crs

• Balance Sheet expanded by 4.6% Q-o-Q

driven by growth in Advances and Deposits and offset by 8.8% Q-o-Q reduction in balances of Deposits placed in lieu of PSL shortfalls and 6.9% reduction in Borrowings

• C/D ratio at 84.5% v/s. 87.4% in Q1FY26

and 84.8% in Q2FY25

• Advances growth at 6.4% Y-o-Y with sustained/strong traction in commercial banking with resumption in Retail growth

• Deposits grew 6.9% Y-o-Y; with continued

outperformance in CASA Deposits

• Borrowings reduced by 20.9% Y-o-Y driven by run down in balances of Deposits placed in lieu of PSL shortfalls

• Disbursements of INR 24,507 Crs in Q2FY26

v/s. ~INR 18,812 Crs in Q1FY25

•

Retail Disbursements up 19.8% Q-o-Q

Disbursements

Q1FY26 Q2FY26

Retail 1

11,755 14,077

Commercial Banking

2,012

1,835

Corporate & Institutional Banking

Total

5,045

8,595

18,812 24,507

✓vESBANK

1 Includes sanctions/ limit set-ups

Balance Sheet30-Sep-2530-Jun-2530-Sep-24Q-o-Q %Y-o-Y % Assets 429,035410,248418,0924.6%2.6%Advances250,212241,024235,1173.8%6.4%Investments83,20481,18085,5992.5%-2.8% Liabilities 429,035410,248418,0924.6%2.6%Shareholders Funds49,19748,64446,4071.1%6.0%Total Capital Funds47,94148,24847,667-0.6%0.6%Deposits296,276275,843277,2147.4%6.9%Borrowings61,95566,56078,310-6.9%-20.9%Break up of Deposits30-Sep-2530-Jun-2530-Sep-24Q-o-Q %Y-o-Y %CASA99,70890,35188,60110.4%12.5%Current Account 43,91236,26040,93821.1%7.3%Savings Account55,79654,09047,6633.2%17.1%CASA Ratio33.7%32.8%32.0%Term Deposits196,568185,492188,6136.0%4.2%Certificate of Deposits 987 - - - - Total Deposits296,276275,843277,2147.4%6.9%Break up of Advances & Deposits

✓vESBANK

All amounts in INR Crs

Advances

• Retail Banking Advances up 2.4% Y-o-Y

• Commercial Banking Advances up 16.5%

• Corporate & Institutional Banking

Advances up 5.4% Y-o-Y

• Retail Banking mix at 48% v/s. 50% in

Of which MSME advances contributing 29.7%

Q2FY25

Deposits

• CASA + Retail TDs1 at 65.0% vs. 58.5% in

Q2FY25 and 65.5% in Q1FY26.

• Avg. daily Retail CA for Q2FY26 grew 16.9%

Y-o-Y

• Avg. daily Retail SA for Q2FY26 up 28.9%

Y-o-Y

• Retail CASA Accounts opened: 2.54 Lakh in

Q2FY26

1 Based on Balances </= INR 3 Crs on an Account Level; 2 Advances breakup restated basis revision in internal business segmentation; 3 Retail Banking includes Micro Enterprise Banking (MIB) erstwhile part of SME Book; 4 Excluding Certificate of Deposits; basis internal business segmentation

Segmental Break up of Advances30-Sep-2530-Jun-2530-Sep-24Q-o-Q %Y-o-Y %Retail Banking ^120,802118,981117,9341.5%2.4%Commercial Banking62,43059,65253,6104.7%16.5%Corporate & Institutional Banking66,98062,39063,5737.4%5.4%Total Net Advances250,212241,024235,1173.8%6.4%Segmental Break up of Deposits30-Sep-2530-Jun-2530-Sep-24Q-o-Q %Y-o-Y %Retail & Branch Banking led Deposits171,978168,563151,3222.0%13.7%Retail & Branch Banking CASA Ratio39.6%38.2%37.5%Other Deposits123,311107,280125,89214.9%-2.1%Other CASA Ratio25.4%24.3%25.3%Total Deposits295,289275,843277,2147.0%6.5%Break up of Investments

All amounts in INR Crs

✓vESBANK

•

Total Net Investments at INR 83,204 Crs

•

SLR – INR 71,596 Crs

Non SLR – INR 11,608 Crs

• Standard Rated - INR 9,397 Crs:

99.9% Rated AA and above

• Security Receipts- NIL

• Others Standard 1- INR 2,211 Crs

Investments Breakup

SLR 86.0%

NSLR 14.0%

HTM 0.5%

AFS 5.8%

HFT 7.0%

FVTPL 0.2%

SUBSI 0.5%

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

✓vESBANK

NPA Highlights

All amounts in INR Crs

• GNPA Ratio at 1.6% in Q2FY26 flat both on

Q-o-Q and Y-o-Y basis

• NNPA Ratio at 0.3% in Q2FY26 flat Q-o-Q

and down 20 bps Y-o-Y

• PCR improved to 81.0% in Q2FY26 v/s

80.2% in Q1FY26 and 70% in Q2FY25

• Gross Slippages for Q2FY26 at INR 1,248 Crs (2.0% of Advances) v/s. INR 1,458 Crs (2.4% of Advances) in Q1FY26.

•

Slippages in Retail Banking Segment at INR 1,221 Crs (4.0% of Advances) v/s. INR 1280 Crs (4.3% of Advances) in Q1FY26

1 Opening Balance includes the impact of for Inter- segment movement of Products and Customers during the quarter 2 Retail Banking includes Micro Enterprise Banking erstwhile part of SME Book prior to Q1FY26

30-Jun-2530-Sep-25OpeningAdditionsUpgradesRecoveriesWrite OffsClosingRetail Banking ^2,7871,2212202007312,857Commercial Banking746205743711Corporate & Institutional Banking4897090487Total4,0221,2482252177744,055MovementMovement of GNPAGNPA(%)GNPA(%)GNPA(%)Retail Banking ^2,8572.4%2,7862.3%2,3962.0%Commercial Banking7111.1%7471.3%7091.3%Corporate & Institutional Banking4870.7%4890.8%7841.2%Total4,0551.6%4,0221.6%3,8891.6%30-Sep-24Segmental GNPA30-Sep-2530-Jun-25 Asset Quality ParametersGross NPA (%)Net NPA (%)Provision Coverage Ratio excl. Technical W/O (%)Provision Coverage Ratio incl. Technical W/O (%)88.5%88.0%81.5%0.3%80.2%30-Sep-241.6%0.5%70.0%30-Sep-2530-Jun-251.6%0.3%81.0%1.6%Summary of Labelled & Overdue Exposures

All amounts in INR Crs

✓vESBANK

• Sustained reduction in Standard

Restructured Advances

• Recovery and Repayments during

Q2FY26 from Standard Restructured accounts amounted to INR 98 crs

• Slippages of INR 14 Crs in Q1FY26 from Standard Restructured Advances pool of Q1FY26

• Recoveries from Security Receipts

during the quarter aggregated to INR 220 Crs

• Overdue book of 31-90 days at INR 3,802

Crs from INR 3,978 Crs in Q1FY26

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

GrossProvisionsGrossProvisionsGrossProvisionsNPA4,0553,2844,0223,2253,8892,721Other Non Performing Exposures4,7894,1374,8874,2226,2704,710NFB of NPA accounts833180846180898181NPI373749498585Security Reciepts3,9203,9203,9923,9925,2874,444Total Non Performing Exposures8,8457,4228,9107,44710,1597,432Technical Write-Off2,6482,6482,6032,6032,4322,432Provision Coverage incl. Technical W/O 87.6%87.3%78.3%Std. Restructured Advances27142378522,125141Erstwhile6363114DCCO related008041,76988MSME536637668Covid211342293827841Other Std. exposures11741117411294561-90 days overdue loans1,8091,9191,866Of which Retail1,2831,3221,12131-60 days overdue loans1,9932,0591,896Of which Retail1,5281,5961,66130-Sep-25Particulars30-Jun-2530-Sep-24CET 1 Ratio at 13.9%1

✓vESBANK

•

Bank’s Capital Adequacy Ratio 1

15.6%

16.2%

16.1%

•

CET I Q-o-Q Movement in Q2FY26

14.0%

0.25%

-0.44%

13.9%

RWA to Total Assets at 71.7% vs.

CRAR

□

72.7% in Q1FY26 and 70.7% in

Q2FY25

■

DTA deduction from Capital

- Y-o-Y INR 935 Crs.

- Q-o-Q INR 205 Crs.

Q1Y26

Accertion

Consumption

Q2Y26

1 Includes Profits

13.9%14.0%13.2%1.7%2.1%2.9%30-Sep-2530-Jun-2530-Sep-24TIER IICET 1Contents

Financial Results - Q2FY26

_L ____ /

YES BANK Franchise

✓vESBANK

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

✓vESBANK

New Generation Private Sector Bank

Robust Risk, Governance and Compliance Culture

✓vESBANK • I

Geared for Scale with Profitability

Seasoned Human Capital

----------------------------------------

_,ll

Major Shareholders

•

6th Largest Private Sector 1, Universal Bank offering comprehensive suite of product and services via its pan India network of 1,295 branches, 235 BCBOs and 1,316 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 14-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 120,000 Crs (~48% of Net Advances) – twin focus - profitability and 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 81.0%

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

Sufficiency in Liquidity (LCR at 125.1%2) and Capital Adequacy (CET 1% at 13.9%)

• 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 ~29,000 YES BANKers

•

SMBC (Sumitomo Mitsui Banking Corporation), leading foreign Bank holds 24.2 % in the Bank

SBI, the largest schedule commercial bank of India holds over 10% stake and remains a major shareholder

• One of the global, marquee private equity investors viz. Advent International

•

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

Total Assets: INR 4,29,035 Crs

Total Advances: INR 2,50,212 Crs

Advances Split: Retail Banking– 48% Commercial – 25% | Corporate – 27%

Total Deposits: INR 2,96,276 Crs CASA Ratio: 33.7%

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

1 By Total Assets as on March 31, 2025; 2 Average for the quarter- Q2FY26; 3 Long term rating by ICRA & CARE, CRISIL, India Ratings ; Short Term Ratings by CRISIL & CARE

Retail Bank: Full spectrum retail bank growing with strong momentum

All amounts in INR Crs

Growth calibration in Retail Advances 1

✓vESBANK

Pan-India presence via 1,295 branches, 235 BC banking outlets and 1,316 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)

73% of branches in Top 200 deposit centers

~92% of service 2 requests via digital channels

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

1 Restated basis revision in Internal Business Segmentation

As % of total advances

52%

48%

49%

Strong growth in Retail & Branch Banking led Deposits

+14% Y-o-Y

As % of total deposits

55%

57%

58%

61%

58%

In addition, continued momentum within Retail Fee Income1

Oo 0

151,322 158,926 164,092 168,563 171,978 Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26808812861715831Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26117,934118,125120,426118,981120,802Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26 Retail Assets: Focus on Profitability enhancement

All amounts in INR Crs

✓vESBANK

•

Retail Banking asset disbursements1: Calibration in Product & Sourcing mix

• ■

Diversified retail book2

■

•

Differential growth across products- targeted at profitability improvement

25%

13%

Q-o-Q Disbursement Growth- Key Products

7% 1111

30%

19%

21%

Used Car Loan Personal Loans Business Loans Education Loans

Home Loans

Affordable HL Secured Business

CE Loans

CV Loans

Loans

18%

Auto Loans

-5%

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

17%16%12%8%8%7%6%6%6%5%3%2%4%Secured Business LoansHome LoansPersonal LoansCommercial Vehicle LoansCredit CardsAffordable Home LoansRural BankingConstruction Equipment LoansUsed Car LoansAuto LoansBusiness LoansOthers8,0477,9899,0888,0049,506Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Micro Enterprise Banking Catering MSME Market Segment

✓vESBANK

Steady Growth in Funded Book

•

■

Fund Book

Y-o-Y growth: 12%

19,546

17,464

18,235

18,877

18,831

Q2 FY25

Q3 FY25

Q4 FY25

Q1 FY26

Q2FY26

• PSL Book : 88% of MSME Funded Book PSL Compliant

Sustainable Product Mix

•

Granular and Stable Customer Mix

Growth Avenues, Digitization & Product Innovation

•

;

-------------- ' I ~ :

- -

I I

I Scorecard Upgrades I ..._ _____________ ., ~

Statistical Model-Based Scoring implemented across lending programs, enhancing agility in credit faster, data-driven assessments and enabling decision-making.

Enhancement in YES Business Loan HUB—a digitally assisted solution integrated with the Loan Origination System—has streamlined MSME loan proposal logins. 89% of eligible New-to-Bank cases are now logged through loan HUB reflecting a strong shift toward digital adoption.

Digital Journey as a Fulcrum for Scale .... ____________ ,,, '

;

I I I I I

■

Working Capital & Term Loans Supply Chain Finance

• Commodity Finance

83%

• Non Fund Book

~98% of Fund book consists of secured products

10%

22%

16%

31%

21%

• < 1 Cr

• 1 - 2 Cr

•

2-< 5 Cr

•

5 -< 10 cr

•

> 20 Cr

SME Direct Service Desk has been enhanced to support YES Business (Net Banking) onboarding for all constitution (erstwhile only Sole Proprietorship). The desk has increased its handling to 60+ request type & has successfully onboarded 1000+ customers in Q2 FY26—reinforcing its role as a key service channel in improving customer experience.

Delivering Unmatched I Customer Experience I and Service I I Excellence I ,, , ..... ___________ _

Rural Assets Deepening the penetration in emerging rural markets & generating Agri PSL

✓vESBANK

All amounts in INR Crs

•

Business originations

984

947

1,072

929

928

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

•

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

•

Robust Farmer financing and Women Microfinance book

▪ High quality farmer financing book with NPA of ~2.9%

▪ 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

Capturing Rural value chain with geographic diversification

Profitability Drivers supported by in-depth analytics

•

Book Split (value) by segments

22%

78%

Book size : INR 8,247 Cr

1 Excluding lending to MFI

▪ Diversified portfolio across ~230 districts in 18 states

▪ Long standing relationship with credible BC partners

•

Farmer financing (KCC + Farm Mechanization)

•

Women Microfinance

•

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: Steady business growth

✓vESBANK

Sustained Strong Growth in Cards, Book Size & Card Spends

Key Initiatives Q2 FY 26

•

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

■ ■

1,658

•

2,292

45.8% Y-o-Y

48.6% Y-o-Y

2,652

30.2% Y-o-Y

25.1% Y-o-Y

New Tech Capabilities

4,334

5,726

6,440

8,350

8,057

10,873

Q2FY24

Q2FY25

Q2FY26

EMI Enablement:

•

Optimized Book mix

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

EMI Option on CC UPI Payments:

• EMI functionality has been enabled for offline merchant transactions conducted over UPI rails at the time of transaction thereby offering affordability for large value transactions.

Mobile App Improvements:

• To further improve customer experience on mobile app – IRIS by YES BANK - a seamless view of the monthly statements for credit cards has been enabled.

Card Activation over IVR:

• Additional to the existing digital channels available, customers can now activate their credit cards over IVR channel in a secure and convenient way.

28.8%

27.8%

43.4%

----►

46.2%

33.3%

20.5%

■

Transactor Book

■

Revolve Book

■

EMI Book

Sep’24

Sep’25

Enhanced Customer Touchpoints

Portfolio Update

• EMI conversion option launched for cobrand customers allowing them to convert their purchases directly from the cobrand partner apps through the bank’s SDK.

Lounge Access Upgrade:

• Smooth transition to a new lounge service provider to improve accessibility and service quality for cardholders. The upgrade is expected to enhance customer satisfaction and strengthen our premium travel benefits offering.

New UPI Spends Milestone:

• Monthly UPI spends crossed the ₹1,000 crore mark, reflecting strong

customer adoption and growing preference for credit on UPI rails.

Credit Line Increase (CLI):

• Pre-festive interventions done on specific cohorts to identify and offer credit

limit increase to drive higher seasonal spends.

Retail Slippages1 - Improvement on Q-o-Q basis

✓vESBANK

All amounts in INR Crs

1,056

4.2%

1,200

1,150

1,100

1,050

1,000

950

900

850

800

Sequential improvement in Retail Slippages

Improvement seen even on 1 Year lagged basis

Early delinquencies i.e. 30+ also showing signs of improvement

Retail Segment Slippages

% of Retail Advances

Retail Slippages - % of 1 Year Lagged Advances

1,179

1,174

1,164

1,101

1,097

4.7%

4.3%

4.6%

4.3%

4.7%

4.6%

4.4%

4.2%

2,600

2,500

2,400

2,300

2,200

2,100

2,000

1,900

1,800

Retail 31-90 Day Overdue (ex- Rural)

% of 1 Yr. Lagged Adv.

2,515

2,499

2,532

2,410

2,430

2.6%

2.4%

2.5%

2.4%

3.7%

3.2%

2.7%

2.2%

1.7%

1.2%

0.7%

0.2%

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Secured portfolio slippages flat, Unsecured down Q-o-Q

Within Unsecured, improvement in PL , BL and Credit Card

30+ stable across Secured products, improving in Unsecured

Slippages as % of Total Retail Advances (1 yr. lagged)

■

Unsecured

■

Secured

4.7%

4.5%

4.2%

4.6%

4.4%

2.7%

2.8%

2.5%

2.2%

2.5%

■

Personal Loan

■

Business Loan

■

Credit Card

■

ISB

0.1%

0.6%

0.1%

0.7%

0.1%

0.2%

0.7%

0.1%

0.2%

0.7%

0.1%

0.2%

0.6%

0.1%

1.8%

1.9%

2.0%

2.1%

1.8%

1.0%

0.9%

0.8%

Q1FY25

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26

1Slippage ratios expressed on Annualized basis, Excludes Micro Enterprise Banking

31-90 day Overdue loans as % total Retail Advances (ex- Rural)- on 1 Yr. lagged basis

Unsecured

■

Secured

■

2.6%

2.4%

2.3%

2.5%

2.4%

2.0%

1.9%

1.8%

2.0%

0.5%

------

Q2FY26

Q1FY25

Q1FY26

Q4FY25

Q3FY25

Q2FY25

0.4%

0.5%

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

✓vESBANK

All amounts in INR Crs

Branch Network

•

■

Branches

■

BCBO

Assisted Digital Onboarding

Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell

1,458

221

1,469

222

1,490

235

1,488

235

1,530

235

1,237

1,247

1,255

1,253

1,295

• ~97% eligible SA accounts opened digitally with ~80% Savings accounts

instantly activated

• ~91% eligible CA accounts opened digitally with ~60% 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, & co-sourcing of Loans & Trade products

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

along with CA for eligible constitutions in a single journey

43 New Branches added in H1FY26 including 1 in Oct’25 Sustained growth in Granular Deposits

• - - - -c __ =:>- - - -

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

+4% Y-o-Y

128,969

% of Total Deposits

127,083

125,263

45.2%

124,870

45.0%

44.7%

130,044

Servicing & Cross Sell

46.8%

43.9%

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

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

• Our DIY journey delivers a frictionless onboarding experience for customers

Servicing

• Over 276 unique service journeys available on digital channels

• 197 on “IRIS by YES BANK” – Bank’s newest Digital app • 222 on YES Online – Internet Banking Platform • 100 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

•

Journeys available across DIY / Assisted

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

✓vESBANK

All amounts in INR Crs

Branch Banking led Deposits: 18%CAGR (Q2FY24-Q2FY26) v/s. 11.5% CAGR in Industry and 15% 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

Increasing Branch led Sourcing of Retail Banking Assets

Productivity Gains within existing & expanding franchise

Y-o-Y Growth of CASA and Total Deposits (Q1FY25- Q1FY26)

Deposits per Branch

■

Deposits per Employee

■

YBL Branch Banking

•

YBL

•

Private Banks

Industry 2

■

(Indexed to 100 for Q2FY24)

26.5%

Retail Assets - Disbursements Mix

Through Internal Channels

% of Total Disbursements

Disbursements in INR ‘000 Crs

100.0

118.8

109.7

129.0

126.5

Q2FY24

Q2FY25

Q2FY26

New Acquisition Value (NAV) Trend with Focus on Quality

•

CASA EOP NAV- Monthly Avg.

(Indexed to 100 for Q2FY24)

100

112

104

Q2FY24

Q2FY25

Q2FY26

20.0%

7.2%

7.6%

10.8%

·-- I I I

Total Deposits Y-o-Y Growth

12.1%

4.1%

10.9%

CASA Y-o-Y Growth

Q2FY26 Deposits growth for YBL at 6.9% Y-o-Y & YBL Branch Banking at 13.7%

Q2FY26 CASA growth for YBL at 12.5% Y-o-Y & YBL Branch Banking at 19.9%

39% 4.3

Q2FY24

48%

3.8

Q2FY25

51%

4.8

Q2FY26

Sustained traction in Branch Banking Fee Income 3

Incremental CASA Ratio: Q1FY25- Q1FY26

■

Branch Banking Fees

81.6%

YBL

48.0%

YBL Branch Banking

23.2%

27.5%

- -

Industry

Private Banks

17.0% CAGR

356

366

268

Q2FY24

Q2FY25

Q2FY26

1 Based on Total Bank Deposits, CAGR computed between Q1FY24-Q1FY26 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

✓vESBANK

All amounts in INR Crs

Deposits traction : in line with Industry

Outperformance with Industry significant in CASA Deposits

Uptick in CASA ratio amidst strong headwinds in Industry

YES BANK CASA Ratio

Industry CASA Ratio

YBL CAGR 12.4% 277,214

296,276

234,360

68,957

YBL CAGR 20.2%

99,708

88,601

40.5%

............... _____ _

39.0%

38.9%

38.2%

Q2FY24

Q2FY25

Q2FY26

Q2FY24

Q2FY25

Q2FY26

30.9%

32.0%

29.4%

34.3%

32.8%

33.7%

■

YBL Total Deposits

YBL CASA

■

Q2FY24

Q4FY24 Q2FY25

Q4FY25

Q1FY26

Q2FY26

**YBL CAGR at 9.8% vs Industry CAGR 10.8% Sustained outperformance in SA v/s Industry

**YBL CAGR at 16.7% vs Industry CAGR 7.1% Amid favorable mix , Improvement in Cost of Deposits

Continue to maintain healthy short term & long-term liquidity

Savings Account

YoY Growth

Industry Growth

Cost of Deposits

10-Year G-Sec Par Yield (FBIL)

36,524

5.3%

4.5%

47,663

30.5%

5.6%

55,796

6.8%

6.6%

6.1%

17.1%

5.4%

6.3%

5.9%

6.6%

5.7%

•

Average LCR

• NSFR

% 9 . 0 2 1

% 8 .

4 1 1

% 4 . 2 2 1

% 1 . 6 1 1

% 0 . 2 3 1

% 2 . 1 2 1

% 0 . 5 2 1

% 9 . 7 1 1

% 8 . 5 3 1

% 9 . 6 1 1

% 1 . 5 2 1

% 3 . 5 1 1

100%

Q2FY24

Q2FY25

Q2FY26

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

Q2FY24

Q4FY24

Q2FY25

Q4FY25

Q1FY26

Q2FY26

*Industry data based on RBI’s ‘Basic Statistical Return (BSR)-2 - Deposits with SCBs excluding RRBs’ as of Q1FY26. **CAGR compounded between Q2FY24 – Q1FY26 * Industry data till Q1FY26

Significant progress on ensuring PSL compliance Sustained momentum in Organic balances; NIL Shortfalls in Overall ; RIDF Deposits at 7.8% of Assets

✓vESBANK

Comprehensive strategy adopted & currently under execution to substantially reduce the quantum of RIDF balances over a 2- year timeframe

•

On track Ensuring NIL shortfalls in sub-categories by year end

Focused Acceleration on Organic Sourcing in PSL sub-categories: SMF (Small & Marginal Farmers), NCF (Non-Corporate Farmers) and WS (Weaker Sections) Assets via expanding distribution, manpower, and productivity

Expansion of BC (Business Correspondent) Partnership Models

Inorganic Interventions: Purchase of PSLCs (PSL Certificates) / IBPC (Inter Bank Participation Certificate) / PTCs (Pass Through Certificates) / DAs (Direct Assignment)

Rising On Balance Sheet Amounts (excludes inorganic interventions and deposits)

PSL Mandated Deposits as a % of Total Assets

All amounts in INR Crs

■

FY23

■

FY24

■

FY25

■

Q1FY26

■

Q2FY26

3 4 2 , 3 9

5 1 2 1 0 1

5 4 5 , 0 0 1

7 7 1 , 4 0 1

6 4 0 5 7

3 5 3 , 2 1

1 6 0 , 2 1

4 0 0 2 1

5 7 1 , 0 1

6 9 6 , 7 1

2 4 3 , 7 1

5 7 3 , 7 1

5 2 3 , 4 1

5 9 0 , 7 1

0 3 4 , 6 1

9 4 4 , 6 1

2 8 7 , 3 1

11111 _1111 .1111 .1 I

1 5 5 , 2

, 5

, 6

NCF

Weaker Section

SMF

3 4 4

9 7 1

Overall PSL

50 45 40 35 30 25 20 15

10.9% 10.7% 10.4%

8.5%

8.7%

9.0%

7.8%

Q4'24

Q1'25

Q2'25

Q3'25

RIDF Deposits

Q4'25

Q1'26

Q2'26

As % of Assets

Mandated deposits in lieu of PSL Shortfalls: At 7.8% of Assets a drag on income & profitability- however lower Q-o-Q, and expected to further reduce to <5% over next 2 years

All figures below for Q2FY26; ‘Normalized’ indicates Pro-forma figures, normalized for the impact of deposits placed in lieu of PSL Shortfalls

8.4%

3.0%

67.1%

2.5%

1.5%

1.2%

7.9%

Reported

63.9%

Normalised

Reported

Normalised

Reported

Normalised

Reported

Normalised

0.8%

6.6%

5.4%

0.6%

Reported

Normalised

Reported

Normalised

Yield on Interest Bearing Assets

NIM

Cost to Income

PPOP/ Assets

RoA

RoE

Wholesale Banking Covering diverse Client Segments with deep Product Expertise

✓vESBANK

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 Corporates

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

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

Long Term Project Financing with ring-fenced cash flows

Underwriting & Syndication / sell down

Business Economics Banking

Macro economic research

Financial Markets

Real Estate

International 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

CGA/ FASAR

Corporate & Government Advisory/ Food & Agri Strategic Advisory & Research - Knowledge banking to uptier positioning

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

Wholesale Banking Business (1)

All amounts in INR Crs

✓vESBANK

1 •

Corporate & Institutional Banking

3 · - - - - - - - - - - - ....a..-

Providing tailored solutions to clients across business segments

•

Commercial Banking

Funded O/S

■

Non-Funded O/S

■

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 Corporates

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 67 Relationship Bankers covering Financial Institutions and financial sector entities

Solutioning led wholesale liabilities franchise across Co-operative banks & BFSI

Partnership with International DFI, Banks and Exchange Houses

Facilitate cross border business including trade and personal remittances

Team of 76 Relationship Bankers spread across 9 cities

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 77 Relationship Bankers spread across 37 cities

Coverage of Government Entities with comprehensive Financial and Digital solutions

Team of 845 Relationship Bankers with presence in 61 cities.

Building Granular portfolio with robust risk management

21,16822,60024,53424,40425,533Q2FY25Q3FY25Q4FY25Q1FY26Q2FY2653,61058,05161,06359,65262,43075,17775,68075,78374,14478,200Q2FY25Q3FY25Q4FY25Q1FY26Q2FY2663,57368,65764,70062,39066,980 Wholesale Banking Business (2) Building sustainable Liability Book

✓vESBANK

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

Corporate Solutioning

Government Banking

• 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

Fintech & Ecommerce

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

Financial Institutions – Insurance, MF

Liability Client Segments

CASA Multipliers

Ecosystem Banking

• Follow the money (Inorganic acquisition) • Mainstreaming Corporate Supply Chain •

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

•

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

Governance

API / Connected Banking

Fiduciary Services & Capital Markets

• 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

Large Corporates

✓vESBANK

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

Portfolio Quality and Risk

• Higher proportion of well rated corporates in

Advances

• Continued reduction in lower rated book &

improvement in portfolio rating

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

• Presence in 9 major locations

• Working capital Finance, Supply Chain Finance,

• Delhi • Kolkata • Mumbai • Pune • Ahmedabad

• Bengaluru • Chennai • Hyderabad • Coimbatore

Analytics

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

boarding

Capex Finance

• Focus on high quality sponsors and sectors

where we have expertise for Project Finance

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

Guarantees

• Digital Collection & Payments, Liquidity

Management Solutions

• Major contributor to Bank’s Liabilities business

• Uptiering client positioning through Debt Capital

Markets solutions, FX and Derivatives

• Cross-sell Retail Banking - Corporate salary

accounts & Credit Cards

Financial Institutions

✓vESBANK

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

Domestic Banks & FIs • •

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

International Banking • • •

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

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.

Marquee MNCs

Multinational and New Economy Corporates ® (§

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

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

Unicorns/ Soonicorns

Sector alignment

• • •

• •

•

Growth MNCs

New Entrants

@ s .

Financial Sponsors

• • • •

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

Fintechs

Regulated Entities

@) .

E commerce Marketplaces

Customized & Exhaustive Product Suite for • • •

Payment Aggregators Non Bank PPIs Digital lenders and LSPs

•

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

✓vESBANK

Locations covered

• • • • • • •

Mumbai MMR Delhi NCR Pune Bengaluru Chennai Hyderabad Kochi

• • • • • • •

Ahmedabad Kolkata Jaipur Lucknow Indore Vadodara Chandigarh

Liabilities Technology Banking

Ecosystem Banking

Knowledge Banking

• •

Digitization and Digitalization Superior Digital & Transaction Banking offerings Beyond Banking – Partner Solutions Sachetised and Customised 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

✓vESBANK

Enabling 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

Performance & Delivery

Quick Turnaround in Solution Identification, Customisation & Implementation

Pan-India Coverage

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

In-house Expertise

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 37

Relationship Mgmt. With

Innovative Solutions

Knowledge Engagement in

Settlement Banker to

One-Stop solution for wide

cities 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 Yes

Quasi government, CPSUs

Bank 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

✓vESBANK

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 61 key locations

ti I

Laser Sharp focus on portfolio quality

Digital interface specifically curated for Supply Chain business

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

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

International Banking Unit - GIFT City

✓vESBANK

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, Real Estate & Loan Syndication

✓vESBANK

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

38%

49%

13%

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

✓vESBANK

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

Securitisation / 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

Innovative Bank of the Year 2024-2025 by India Gold Conference

Extended specialised desk coverage

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

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

✓vESBANK

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 (54.0% market share) #2 Payer PSP (29.68% market share )

“#1 Acquiring AePS Bank: Powering ~27.1% of all AePS Txns via ~702 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 Sep ‘25 2 As of Sep 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

✓vESBANK

42 Lakhs

Registered customers

150+ Features live on IRIS

49%

54%

71%

~ 70k

App Ratings

Monthly Active Customers

Fresh Mutual Fund bookings done

Credit card EMI conversions done

Service Requests daily processed via IRIS

6% ▲ (Q-o-Q)

~9 logins per month per active user

18% ▲ (Q-o-Q) by Value

1%▲ (Q-o-Q) in Share of Business

92% Service Requests processed digitally

Transfer funds abroad through LRS

Invest in FD with zero hassle

Primary channel for CC EMI sourcing

Invest in your future

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

✓vESBANK

3.50 Lakhs +

Registered customers

92,500+

1.12 Cr +

43,500 +

4300 +

Active Customers

Transactions

Tax Bill Payments

FDs opened

Scan to watch Video

Manage your business with ease

Quick and secure money transfers

Authorization records simplified

Start your FD in just a few steps

Your cards, your control

YES Business

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

46 Lakhs +

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16%

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App store ratings

4.6

4.8

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

Simplified Dashboard

Quick & Secure Merchant Payments

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Powering Digital India with our Distinctive Capabilities

✓vESBANK

#1 UPI Payee PSP Bank Powering ~ 351mn txn daily

#2 UPI Payer PSP Bank Powering ~193 mn txn daily

CAGR 66% (Q4FY22 Q2FY26)

57%

55%

54%

40%

38%

36%

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CAGR 38% (Q4FY22 Q2FY26)

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~More than 3X growth in CMS Throughput Since Mar’22 CAGR 47.5% (Q4FY22-Q2FY26)

Steadily Market Share Gains; #2 in NACH

CAGR 74% (Q4FY22-Q2FY26)

NACH (Mn)

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YES Connect : Enriched Customer Experience B2B Marketplace

✓vESBANK

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

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YES Bank Services

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Partner Services

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Sachetisation of Solutions across Industry Segments

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

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Statutory Payments

YES Connect

YES Bank & Partner Stack

FinTechs

Retailers

Exchange Houses

Co-operative Banks

YES Connect

NBFCs

Education

Curated Segmental Solutions

Manufacturers

MSME

Pharma

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

✓vESBANK

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

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

✓vESBANK

Sachetisation of Transaction Banking: Curated Solutioning by Client Segments

STRENGTHENING FRANCHISE

Large Corporates

B2C

FinTech & Exchange Houses

95%1 of CA is embedded with Digital & Transaction Banking Product & Solutions

Market Leadership – YBL processes 1 in 3 Digital Payment transaction in India UPI – 54% Rank #1 in Payee PSP | NEFT – 24% Rank #2 | IMPS – 7.5% | NACH – 15% Rank #3 | AePS – 27% Rank#1

Large Corporates

B2B

Insurance / MFs / Broking

Co-operative / Small Finance Banks

Government Schemes

~80%1 of CA has 2+ PPI*

306% growth in BBPS YoY , ~5.8% Market Share in LRS2, ~11% share in RDA3

NBFC

~98%1 of all Lending Clients have 1+ TBG Product Embedment

68% growth in total Tax payments 47% growth in direct taxes 98% growth in GST payments 37% growth in EPFO

* PPI @ Product Penetration Index, TB @ Transaction Banking, # NPCI, 1 Nos for YTD Aug’25; 2 Nos for YTD July’25 ; 3 Nos for YTD June’25

Agency Business

✓vESBANK

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

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PAYMENT GATEWAY

•

Direct Integration for YES BANK Net Banking Channels. (Retail, Corporate and Iris Biz)

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

Central Mandates

4 central empanelment received

Live for GST, CBDT, CUSTOMS & EPFO

State Mandates

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)

36K

Launched on 13th March’25

17K Plus Active Customers

To know more Scan QR

15% growth MoM in September’25

Launched on 27th June 2025

20K Plus Active Customers

370% growth MoM in September’25

To know more Scan QR

Launched on 3rd June 2025

700 Plus Active Customers

To know more Scan QR

13.8% growth MoM in September’25

Launched on 9th June 2024

5K Plus New Clients

>36K active customer within 6 months of launch

Responsible franchise with sustainability at its core

Robust ESG & Climate Governance

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

Sustainability Council: Executive committee that develops and reviews Bank’s sustainability strategy

Sustainable Finance (SF) Unit: Implements Bank’s sustainability strategy in coordination with BUs

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

------------------------------------------------------- ----------------------------------------------~ Environment

Social

✓vESBANK Performance on ESG Ratings

S&P Global

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

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

ISO

Gender diversity: 23.17% proportion of women in the Bank’s workforce in FY 2024-25

Net zero by 2030: Committed to reduce GHG emissions from operations to net zero by 2030. ~26% reduction in Scope 1 & 2 emission intensity per rupee of turnover in FY 2024-25 (YoY)

Financial inclusion: 6.49 lakh active women customers in rural India under YES Microfinance programme in FY 2024-25

FTSE4 Good

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

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

artisans

Community development: 68,000 youth, farmers, women through YES Foundation’s and employability and entrepreneurship programmes, (as at March 31, 2025)

impacted

Green finance: INR 7,357 crore in sanctioned debt facilities for supporting RE projects (solar, wind, hybrid & pumped-storage) of ~2,210 MW, in FY 2024-25. One of only 5 Accredited Entities to the Green Climate Fund

Agroforestry:400,000 trees planted through YES Foundation’s agroforestry initiative, enhancing green cover and supporting sustainable livelihoods of farmers (as at March 31, 2025)

Reducing financed emissions: First Indian Bank to report financed emissions (electricity generation). Achieved 39% reduction in financed emission intensity (from base year FY 2021-22)

Aligning with global frameworks: Founding Signatory to UNEP FI Principles for Responsible Banking and first Indian Bank to publish enhanced disclosures in line with TCFD recommendations

Governance

Board independence: 50% of the Directors on the Bank’s Board are Independent Directors

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

MSCI

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

* 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.

Robust Governance Structure – Board Members

✓vESBANK

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

Prashant Kumar Managing Director & CEO

Rajan Pental Executive Director

Manish Jain Executive Director

Sanjay Kumar Khemani

Independent Director

Sadashiv Srinivas Rao Independent Director

Rajeev Veeravalli Kannan1 Additional Director, Non-Executive and Non-Independent Director (Nominee of SMBC)

Shinichiro Nishino1 Additional Director, Non-Executive and Non-Independent Director (Nominee of SMBC)

Thekepat Keshav Kumar

Nominee Director appointed by SBI (Non-Executive and Non- Independent Director)

D. Shivakumar Non- Executive and Non- Independent Director, Nominee of Verventa Holdings Limited

1 Appointed as Additional Directors, Non-Executive and Non-Independent Directors (Nominees of SMBC) on the Board of the Bank, with effect from September 18, 2025

Professional and Seasoned Management team

✓vESBANK

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

✓vESBANK

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Leadership Development

• Art of Giving Feedback: A learning initiative across businesses / functions promoting a

culture of constructive, growth-oriented feedback and continuous improvement.

• Step Ahead workshop: Customized workshop for cohort of women colleagues returning from a career break building confidence, adaptability, and career ownership while enabling reintegration.

Grades2

Q2FY261

Q1FY26

Q2FY25

Knowledge Management

DEI Initiatives

Employee Engagement

• Risk and Compliance Culture: Mandatory e-learning modules reinforcing key compliance principles, regulatory expectations, and best practices to strengthen the organization’s risk culture.

• Basics of Banking Workshop: A curated intervention for MCC and CSR teams to deepen core banking knowledge and strengthen collaboration with internal stakeholders ensuring stronger collaboration and impactful outcomes.

• Safeguarding Workplaces: Specially curated for Internal Committee (IC) members to strengthen role as IC member by revisiting key aspects of the POSH Act and enhancing procedural rigor in handling complaints.

• Stepping into Pride (Game Zone): Meaningful and fun games designed to prompt insights, and reflections about inclusion, privilege, and the real challenges faced by the LGBTQIA+ community.

G1 to G3

290

307

339

G4 to G6

3421

3,526

3,872

G7 to G12

25,510

24,553

25,358

Total

29,221

28,386

29,569

• Physical & Mental Well-being: The Bank reinforced its commitment to employee well-being through various initiatives, including webinars on spine health, lung care, forgiveness, and work- life balance. Special sessions like Burnout to Balance on International Self-Care Day promoted holistic health and mindfulness.

• YES Premier League | Chess Edition: To foster holistic well-being and collaboration, the Bank organized the YES Premier League – Chess Edition. The multi-stage tournament encouraged participation across zones, promoting engagement, teamwork, and healthy competition.

Total headcount of 29,224 with a net addition of 534 staff over the headcount of March 31, 2025

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

Strong Investor base

✓vESBANK

Well diversified Investor base:

Shareholding Pattern as on September 30, 2025

Yes Bank Limited has informed the Exchange regarding a press release dated October 18, 2025, titled "Press Release and Investor Presentation on the Financial Results for the Quarter (Q2) and half year...

Market Movers