YESBANKNSE29 November 2025

YES Bank Limited has informed the Exchange about investor presentation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Yes Bank Limited

YBL/CS/2025-26/148

November 29, 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.: Submission of Investor Presentation

Ref: Reg. 30 and other applicable provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Please find attached the copy of Investor Presentation.

We request to take above on your record and disseminate to all concerned.

Thanking you,

Yours faithfully

For YES BANK LIMITED

Sanjay Abhyankar Company Secretary

Encl: Copy of Investor Presentation

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INVESTOR PRESENTATION December 2025

Disclaimer

No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements”, including those relating to YES Bank’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment. There is no assurance that such forward looking statements will prove to be accurate, as actual results may differ materially from these forward-looking statements due to a number of factors, including but not limited to future changes or developments in the Bank’s business, its competitive environment and political, economic, legal and social conditions in India and other parts of the world. The forward-looking statements in this presentation are based on numerous assumptions and these statements are not guarantees of future performance and undue reliance should not be placed on them. The Bank expressly disclaims any obligation to disseminate any update or revision of any information whatsoever contained herein to reflect any change in such information or any events, conditions or circumstances on which any such information is based. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. This presentation does not contain all the information that is or may be material to investors or potential investors and does not constitute an offer or invitation or recommendation to purchase or subscribe for any shares/ securities in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The Bank may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. The communication of this presentation may be restricted by law; it is not intended for distribution to, or use by any person in, any jurisdiction where such distribution or use would be contrary to local law, or regulation, or which would require any registration or licensing within such jurisdiction. If this presentation has been received in error, it must be returned immediately to the Bank.

Contents

India : Fastest Growing Major Economy

YES Bank – India’s New Age Private Sector Bank

Unique Turnaround

Profitability Trajectory

Financial Results – Q2FY26

YES BANK Franchise

Rapid Digitalization

India expected to be the fastest growing major economy in FY26

IMF growth forecasts for 2025 & 2026

RBI expects FY26 GDP growth at 6.8%

Real GDP (% YoY)

Advanced Economies

Emerging Market Economies

India

2024

2025P

2026P

1.8

4.3

6.5

1.6

4.2

6.6

1.6

4.0

6.2

Despite global headwinds such as US tariffs, India to remain the fastest-growing economy, buoyed by resilient fundamentals and strong domestic drivers

Growth to stay strong, backed by consumption, investment, and policy support

Growth resilience powered by:

• Strong consumption, rural upswing, and service export boom fueled expansion

12.0 10.0 8.0 6.0 4.0 2.0 0.0 (2.0) (4.0) (6.0) (8.0)

8.0

8.3

7.4

6.8

6.5

6.4

5.5

3.9

9.7

9.2

7.6

6.5

6.8

3 1 Y F

4 1 Y F

5 1 Y F

6 1 Y F

7 1 Y F

8 1 Y F

9 1 Y F

0 2 Y F

(5.8)

1 2 Y F

2 2 Y F

3 2 Y F

4 2 Y F

5 2 Y F

6 2 Y F

• Agriculture and services continue to stay strong, and push in industrials and manufacturing through government schemes such as Production-Linked Incentive Scheme (PLI), etc.

• Union Budget 2025 unveils measures to boost MSMEs through better credit access, support for first-time entrepreneurs, and promotion of labor-intensive industries

• The GST 2.0 reforms strengthen India’s growth narrative through consumption-led expansion - benefiting sectors like retail, agriculture, MSMEs,

insurance, FMCG, textiles, auto, and construction

Sources: IMF, RBI, World Bank, Ministry of Finance, Ministry of MSMEs

Inflation has remained within RBI’s target band

IMF inflation forecasts for 2025 & 2026

Inflation (% YoY)

Advanced Economies

Emerging Market Economies

India

2024

2025P

2026P

2.6

7.9

4.6

2.5

5.3

2.8

2.2

4.7

4.0

India’s retail inflation averaged 4.6% in FY25 %YoY

9 8 7 6 5 4 3 2 1 0

Upper end

Lower end

d n a B g n i t e g r a T n o i t a l f n I

RBI has lowered its CPI inflation forecast for FY26 to 2.6%, down from 3.1%

9 1 - n a J

9 1 - r p A

9 1 - l u J

9 1 - t c O

0 2 - n a J

0 2 - r p A

0 2 - l u J

0 2 - t c O

1 2 - n a J

1 2 - r p A

1 2 - l u J

1 2 - t c O

2 2 - n a J

2 2 - r p A

2 2 - l u J

2 2 - t c O

3 2 - n a J

3 2 - r p A

3 2 - l u J

3 2 - t c O

4 2 - n a J

4 2 - r p A

4 2 - l u J

4 2 - t c O

5 2 - n a J

5 2 - r p A

5 2 - l u J

5 2 - t c O

CPI Inflation

CPI inflation hit a multi-year low of 0.25% in October, on the back of Goods and Services Tax (GST) cuts and contained food inflation despite unseasonal rainfall

Latest banking sector insights:

• Phased reduction of Cash Reserve Ratio (CRR) by 100bps from 4% to 3% expected to release primary liquidity of ~INR 2.5 lakh crores into the banking system • Three consecutive reductions in repo rate by RBI resulting in a 3-year low of 5.5%, with further room for cuts indicated to help boost growth • Pace of credit expansion expected to continue to remain healthy in FY2026 - Credit grew 11%+ in FY2025, and 9%+ YoY in Q1 FY2026, and is expected to further pick up

pace in H2 FY2026 driven by recent GST rate cuts, high domestic demand and further rate cuts

• Asset quality to remain comfortable despite uptick in slippages - Compared to 1.5% in FY2024, the fresh NPA generation rate declined

to 1.3% in FY2025

Sources: IMF, RBI, Ministry of Statistics & Programme Implementation, ICRA

Banking system in India remains resilient (1/2)

Improving credit penetration in India, yet further headroom for expansion exists

Domestic bank credit (% of GDP)

Advanced Economies

Emerging Market Economies

India

2021

95.7

126.8

50.7

2024

88.7

140.3

55.2

2027P

87.8

153.0

59.4

•

India's credit-to-GDP ratio, though increasing has consistently remained below global benchmarks, trailing behind other advanced and emerging economies

• This presents substantial headroom for further growth

and credit expansion in the coming years

India’s financial inclusion displaying robust momentum backed by strong policy support

Strong growth in financial inclusion between 2021-25

Growing financial inclusion driven by:

RBI Financial Inclusion Index1

• Dedicated government efforts to include every citizen in the financial infrastructure of the

country, including schemes like the Pradhan Mantri Jan Dhan Yojana (PMJDY)

• Growing digital public infrastructure and financial technology, enabling financial access for all

~56cr beneficiaries since PMJDY launch

55% women account-holders under PMJDY

~80% population now have bank accounts

2021

2022

2023

2024

2025

Sources: IMF, RBI, World Bank, Ministry of Finance, Ministry of MSMEs, industry reports Notes: 1. Computed by RBI on scale of 0 to 100 where 0 indicates no financial inclusion and 100 indicates complete financial inclusion (based on 97 indicators & measures progress in financial inclusion, availability of financial services, ease of access)

Banking system in India remains resilient (2/2)

Gross advances continue to increase (INR lakh Crs)

Decadal best Asset Quality …

… Profitability…

200.0

180.0

160.0

140.0

120.0

100.0

80.0

60.0

40.0

20.0

0.0

19%

13%

11%

12%

106

137

163

181

Gross NPA

Net NPA

Key levers:

9.6% 9.2%

•

Corporate segment - IBC has been a game changer with reduction in resolution cycles

Retail segment - Credit Bureau has played a big role with significant improvement in situation vs. decade ago

7.3%

4.6%

5.5%

3.8%

3.9%

2.4%

2.8% 2.3%

2.5%

1.0% 0.6%

0.5%

25%

20%

15%

10%

0.8

0.4

-0.1

RoA

0.7

1.4

1.3

1.1

FY15

FY17

FY19

FY21

FY23

FY24

FY25

FY15 FY17 FY19 FY21 FY23 FY24 FY25

FY15

FY17

FY19

FY21

FY23

FY24

FY25

… and Capital Adequacy

Comfortable Liquidity levels

Robust Provision Coverage

CRAR

17.2% 16.8%

17.3%

16.2%

LCR

158.9%

124.9%

128.9%

143.1%

130.1% 132.6%

PCR

67.4%

60.5%

74.1% 76.2% 76.3%

96.3%

41.7% 43.5%

14.3%

13.7%

13.0%

FY15 FY17 FY19 FY21 FY23 FY24 FY25

Note: (1) Capital to risk (weighted) asset ratio. (2) Liquidity Coverage Ratio Sources: RBI Financial Stability Report (June 2025)

Resilience of the banking system has been pivotal to the strength of India’s financial system

Contents

India : Fastest Growing Major Economy

YES Bank – India’s New Age Private Sector Bank

Unique Turnaround

Profitability Trajectory

Financial Results – Q2FY26

YES BANK Franchise

Rapid Digitalization

India’s New-Age Private Sector Bank

INR 2.50 Lac Crs| 73% Loan Book | Share of Retail & Commercial Bank2

Diversified Balance Sheet

INR 2.96 Lac Crs | 58% Total Deposits | Share of Retail and Branch Banking led Deposits

Digital Leadership Processes every 1 in 3 Digital Transactions in India; Preferred Banker to Unicorns/ Soonicorns; Strong stack of 1,500+ APIs

Universal Bank Comprehensive Product Suite for Retail, Commercial, Corporates & Institutional Segment

6th Largest Private Bank in India1; Founded/Licensed in 2003; Commenced operations in 2004

Stable Asset Quality 1.6% | 0.3% GNPA | NNPA

Well Capitalized 15.6% | 13.9% Capital Adequacy | CET-1 Ratio3

Pan India Distribution 1,295 | 1,316 Branches | ATMs

Granular, Retail Franchise

Professional, Seasoned Management

Marquee Shareholders SMBC, SBI & Advent

29k+ Employees | Senior Management vintage of 9 Years with the Bank

• Highest rankings among

Indian Banks from prominent global ESG Rating institutions including S&P, CDP etc.

Notes: All Metrics as of Q2FY26 i.e. Quarter ended 30th September 2025 1 6th Largest Private Bank in India by Total Assets as on 31st March 2025; 2 Commercial Segment: Includes Small and Medium Enterprises and Emerging Large Corporates; 3 CET 1 - Common Equity Tier-I Ratio

Strong Institutional Sponsorship- catalyst for next phase of Growth

Overview

SMBC is the largest shareholder with ~24% stake2

On May 9, 2025, Sumitomo Mitsui Banking Corporation (“SMBC”) was announced to become YES Bank’s largest shareholder through the acquisition of 24.2% stake from SBI, other Investor Banks1 and Carlyle (CA Basque Investments) Induction of two SMBC nominee directors further strengthened the Governance Structure

• Mr. Rajeev Veeravalli Kannan - Managing Executive Officer and Head of India Division in SMBC as well as

in SMFG

• Mr. Shinchiro Nishino - Head of Global Credit in the Risk Management Unit of SMBC

SBI to continue to remain as one of the largest shareholders in YES Bank with 1 representative Nominee Director on the Board of Directors

Others 52.9%

SMBC Overview

SMBC is among the leading foreign banks in India and Sumitomo Mitsui Financial Group’s (“SMFG”) wholly owned subsidiary, SMFG India Credit Company, is among the largest diversified NBFCs in India with AUM of USD 6.2bn and 3mn customers, 1,007 branches across 670+ towns3

•

2nd Largest banking group in Japan, 14th Largest Globally4 with Total Assets of ~USD 2tn

SMBC 24.2%

SBI 10.8%

Verventa Holdings (affiliate of Advent International) 9.2%

Other Investor Banks 2.9%

Next phase of growth, profitability and value creation leveraging SMBC’s global expertise

Benefit to Credit Ratings and Brand Reputation, and further enhance Global Governance Standards from SMBC

Leverage Strong Parentage For Higher Trust

Cross-border Expertise; Access New Business Opportunities – Japanese And Global Corporates

Note: (1) Includes Axis Bank Limited, Bandhan Bank Limited, Federal Bank Limited, HDFC Bank Limited, ICICI Bank Limited, IDFC First Bank Limited and Kotak Mahindra Bank Limited. (2) Shareholding Pattern as of 30th September 2025. (3) As of Dec-24. (4) S&P CapIQ, Banking Asset Ranking

Responsible franchise with sustainability at its core

Robust ESG & Climate Governance

Performance on ESG Ratings

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

S&P Global

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

Environment

Social

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

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

Contents

India : Fastest Growing Major Economy

YES Bank – India’s New Age Private Sector Bank

Unique Turnaround

Profitability Trajectory

Financial Results – Q2FY26

YES BANK Franchise

Rapid Digitalization

Unique Turnaround Story: An Analysis (1)

FY15-19: Strong Corporate Led Loan Growth, Impact Further Aggravated by Externalities

Strong balance sheet growth

Strong Balance Sheet Growth..

.. Led By Concentrated Corporate Exposures..

..Led To Asset Quality Challenges and Deposits Outflow

One of the Fastest Balance Sheet Growth v/s. peers upto FY18

Market share in loans and deposits tripled in less than a decade to 2.5% and 1.8% respectively in FY19

Slippages of large-ticket stressed corporate exposures from sectors including, real estate, infrastructure and conglomerates led to sharp spike in GNPA

The NBFC crisis and tightening liquidity further worsened the stress given Bank's elevated exposure to stressed NBFCs

Strong Growth in Lending between 2015-19

High Share of Corporate Exposure

Asset Quality

16.8%

3.2%

5.0%

0.4%

0.8%

0.1%

0.3%

1.5%

1.3%

0.8%

0.6%

1.9%

FY15

FY16

FY17

FY18

FY19

FY20

Net Advances (INR bn)

1,323

982

755

2,415

2,035

(29%) YoY

1,714

FY15

FY16

FY17

FY18

FY19

FY20

Total Advances Mix (FY19)

Retail Banking 17%

Small & Micro Small and Enterprises Micro 10% 10%

Medium Enterprises 8%

GNPA

NNPA

Total Deposits (INR bn)

2,276

2,007

Corporate Banking 66%

1,429

1117

912

(54%) YoY

1,054

FY15

FY16

FY17

FY18

FY19

FY20

Unique Turnaround Story: An Analysis (2)

All figures in INR Cr

Strong Growth Phase till FY18

(Data below for FY18)

Extreme Stress Conditions – Moratorium imposed in Mar’20

(Data below for FY20)

Amidst Challenging Backdrop

Mar’ 20

Apr’ 21

Jan’ 22 Onwards

Covid-19 Wave I

Covid-19 Wave II

Tight Liquidity Conditions, Fight for Deposits

Bank now on the path of delivering Profitable Growth (Data below as of Sep 30, 2025)

Market Cap

Credit Rating

Advances

Deposits

CASA

CD Ratio

70,206

Market Cap

AA+

Credit Rating

203,534

Advances

200,738

Deposits

73,176

CASA

101.4%

CD Ratio

CASA Ratio

36.5%

CASA Ratio

LCR

113.2%

LCR

Borrowings Share 1

24.0%

Borrowings Share 1

Retail & Comm. Adv. Sh.2

32.2%

Retail & Comm. Adv. Sh2

CET I %

GNPA %

NNPA %

RoA

9.7%

1.3%

0.6%

CET I %

GNPA %

NNPA %

1.6%

RoA

28,176

171,443

105,364

28,063

162.7%

26.6%

37.0%

44.1%

44.2%

6.3%

16.8%

5.0%

-7.1%

Key Measures Undertaken

1. Solved for Capital

2. Won Back The Deposits

Cumulatively raised ~INR 24,000 Crs through FPO3 & Private Placement; SBI large stake overhang resolved

>2.8x growth in Bank Deposits - reflection of our strong brand

3. Invested in Granularizing Loans and Deposits

>2x rise in Retail & SME Loans

– while protecting PPoP4 / Assets

4. Solved for Legacy NPLs

~INR 30,000 Crs of Recoveries Resolutions; ~INR 43,000 Crs of NPLs sold to ARC

5. Agile Org. with strong Risk & Compliance culture

6. Refreshed Brand Identity

Market Cap

Credit Rating

Advances

Deposits

CASA

CD Ratio

CASA Ratio

LCR

Borrowings Share 1

Retail & Comm. Adv. Share2

CET I %

GNPA %

NNPA %

RoA

71,686

AA-

250,212

296,276

99,708

84.5%

33.7%

125.1%

14.4%

73.2%

13.9%5

1.6%

0.3%

0.7%

1 Borrowings proportion in Total Liabilities 2 Retail & Comm. Segment proportion in Total Advances 3 Follow-on Public Offering

4 Pre-Provisioning Operating Profit 5 Includes Profits

Market Cap above based on closing price on NSE as on Mar 31, 2018; Mar 31, 2020; and Nov 07, 2025, respectively

Unique Turnaround Story: An Analysis – Credit Rating (3)

International Rating

Moody's Investors Service

Long-term

Ba2

Outlook

Short-term

Stable

Not Prime

Key Elements Driving Rating Changes

Domestic Rating

Basel III Tier II & Infra Bonds (Long-term)

Outlook

Short-term

CRISIL

ICRA

India Ratings

CARE

AA-

Stable

A1+

• Strategic Investment & Governance

• Robust capitalization

•

Improved Liability Profile

• Enhanced Asset Quality

• Sequential Expansion of Profit

• Granular Business Mix

2025

As on Jul 2025

As on Aug 2025

Rating Upgrades India Ratings & CRISIL: Basel III Tier II & Infra Bonds to AA-

Moody’s Upgrades issuer rating to Ba2

As on May 2025

ICRA & CARE Upgrades Basel III Tier II & Infra Bonds to AA-

As on July 2020

ICRA Downgrades Basel II Upper Tier II to D

CARE Downgrades Basel II Upper Tier II to D Outlook-Credit Watch with Developing Implications

As on March 2020

Ratings across all agencies at all time lows

INDIA Ratings - Ratings Watch Evolving (RWE)

Moody’s Upgrades issuer rating to Caa1+

2020

ICRA Upgrades: BASEL III Tier II to BB BASEL II Upper Tier II to BB BASEL II Lower Tier II to BB+ Infrastructure Bonds to BB+ Short Term FD/CD Programme to A4+

2020

2022

2024

Rating/ Outlook Upgrade Moody’s: Outlook Upgraded to Positive

ICRA: Basel III Tier II & Infra Bonds to A

As on December 2022

CRISIL & CARE: Basel III Tier II & Infra Bonds to A+

Senior Rating & Outlook Upgrade: Moody’s: Ba3; Stable India Ratings: A-; Stable ICRA: A-; Positive CARE Upgrades issuer rating to A-; Positive CRISIL: A-; A1+ short term; Positive

As on April 2024

Senior Rating & Outlook Upgrade: CRISIL: A India Ratings: A CARE : A

Unique Turnaround Story: An Analysis (4) Shareholding Pattern Evolution

Part of BSE Sensex 30, Nifty 50, Bank Nifty, MSCI India, MSCI EM, MSCI ESG EM, FTSE4Good

Excluded from all major indices

Part of MSCI India, MSCI EM, MSCI ESG EM, FTSE4Good, BSE Next 50, BSE 100, Nifty Midcap 50

FY18 Others, 10.5%

Body Corp., 2.2%

Banks, 0.2%

Promoter, 20.0%

FY20

H1 FY26

Promoter, 1.4%

Others, 15.2%

Body Corp., 8.8%

FII, 1.9% MF, 0.6%

Insurance, 1.7%

Others, 32.5%

FII, 11.6%

MF, 2.9%

Insurance, 4.1%

Insurance, 14.2%

MF, 10.3%

Key Shareholders • Blackrock

• T Rowe Price

• Vanguard

• Franklin Templeton

• Coronation

• Vontobel

• Birla Sun Life

• LIC

•

ICICI Prudential

FII, 42.6%

Banks, 70.6%

Body Corp., 1.9%

Banks, 13.7%

FDI, 33.4%

Key Shareholders • State Bank of India

•

ICICI Bank

• HDFC Ltd.

• Axis Bank

• Kotak Mahindra Bank

• Bandhan Bank

• Federal Bank

•

IDFC First Bank

• LIC

Key Shareholders • Sumitomo Mitsui Banking Corporation

• State Bank of India

• Verventa Holdings (affiliate of Advent International)

• LIC

• Blackrock

• Vanguard

• HDFC Bank

•

ICICI Bank

• Norges Bank

• Kotak Mutual Fund

Unique Turnaround Story: Deposits and Liquidity (5)

All figures in INR Crs

Improvement in granularity– declining share of Top 20 Depositors

Share of Retail and Branch led Banking Deposits (in total deposits) rising

LCR Levels remain healthy

Top 20 Depositors

17.5%

14.2%

12.0%

11.5%

11.3%

Share of Retail & Branch Banking Led Deposits

LCR

57.7%

52.1%

53.1%

113.9%

114.6%

118.6%

116.1%

125.0%

46.7%

48.0%

FY21

FY22

FY23

FY24

FY25

FY21

FY22

FY23

FY24

FY25

FY21

FY22

FY23

FY24

FY25

Increasing proportion of Current Account (CA) and Saving Account (SA) deposits in liability mix

4.9% 12.1%

14.0%

9.4%

44.0%

8.6% 6.9%

FY21

4.7% 10.6%

14.3%

8.4%

42.7%

11.0% 8.3%

FY22

Refinance Borrowings

Other Borrowings

Shareholders Funds

Other Liabilties

5.4% 11.5%

11.7% 10.2%

42.4%

9.4% 9.5%

FY23

4.2% 10.4% 8.9% 10.8%

45.4%

10.1% 10.2%

FY24

4.6% 11.3% 8.2% 8.7%

44.2%

12.8%

10.2%

FY25

Unique Turnaround Story: Advances & Borrowings (6)

All figures in INR Crs All figures in INR Crs

Consistent improvement in CD Ratio: sustaining at healthy levels of ~85% over last 3 years

Granularization in Advances led by…

102.4%

Retail + Commercial

Corporate

91.8%

92.0%

85.5%

86.5%

84.5%

48.9%

40.0%

51.1%

60.0%

27.0%

25.0%

26.3%

26.8%

73.0%

75.0%

73.7%

73.2%

FY21

FY22

FY23

FY24

FY25

H1FY26

FY21

FY22

FY23

FY24

FY25

H1FY26

…Sustained momentum in Retail + Commercial Segment Growth

PSL compliance driving run down in Shortfalls & Borrowings

Retail + Commercial

% of Total Advances

PSL Shortfall Deposits

Borrowings

200,000

180,000

160,000

140,000

120,000

100,000

80,000

60,000

40,000

20,000

108,639

60.0%

85,278

51.1%

CAGR: 18.5%

170,775

146,207

181,489

183,231

73.0%

75.0%

73.7%

73.2%

130.0%

120.0%

110.0%

100.0%

90.0%

80.0%

70.0%

60.0%

50.0%

40.0%

30.0%

72,205

63,949

13,344

17,270

79,941

77,452

71,603

61,955

44,087

30,910

37,017

33,557

FY21

FY22

FY23

FY24

FY25

H1FY26

FY21

FY22

FY23

FY24

FY25

H1FY26

Unique Turnaround Story: PSL Shortfall Deposits (7)

All figures in INR Crs

PSL Shortfall – Nil across sub categories

PSL Shortfall Deposit balance peaked, substantial increase basis past shortfall

SMF

NCF

PSL Shortfall Deposits

% of Total Assets

7.8%

10.7%

6.9%

6.2%

8.5%

5.7%

8.4%

11.0%

8.0%

FY21

FY22

FY23

1.4% 0.0% 0.0%

FY24

0.0% 0.0% 0.0%

FY25

13,344

4.9%

FY21

30,910

17,270

8.7%

44,087

10.9%

37,017

33,557

8.7%

7.8%

5.4%

FY22

FY23

FY24

FY25

H1FY26

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%

0.6%

0.8%

6.6%

5.4%

7.9%

63.9%

Reported

Normalised

Reported

Normalised

Reported

Normalised

Reported

Normalised

Reported

Normalised

Reported

Normalised

Yield on Interest Bearing Assets

NIM

Cost to Income

PPOP/ Assets

RoA

RoE

Improving PSL Compliance to reduce balances of mandated deposits placed in lieu of PSL Shortfalls: thereby reducing P&L drag

Unique Turnaround Story: Capital (8)

All figures in INR Crs

Demonstrated ability to raise capital despite headwinds; RoE to fund growth ahead

15,000

New Capital Raised

10,000

6,042

FY20

FY21

FY22

FY23

FY24

2,845 *

FY25 * Warrant conversion

Reduction in RWA / Total Assets

CET I accretion aided by Capital Raise and Organic accretion

84.4%

13.3%

13.2%

13.9%

13.5%

72.8%

69.0%

70.3%

71.3%

71.7%

11.6%

11.2%

FY21

FY22

FY23

FY24

FY25

H1FY26

FY21

FY22

FY23

FY24

FY25

H1FY26

1 Excludes ESOP exercise

Unique Turnaround Story: Asset Quality (9)

All figures in INR Crs

Significant improvement in GNPA

NNPAs now amongst the lowest vis-à-vis peers

SRs fully provided for (O/S FV of JCF SRs: 1,962 Crs)1

GNPA

GNPA %

NNPA

NNPA %

Net Security Receipts

% of Net Advances

35,000

30,000

25,000

20,000

15,000

10,000

5,000

28,610

27,976

15.4%

13.9%

4,395

2.2%

FY23

FY21

FY22

25.0%

12,000

20.0%

15.0%

10.0%

5.0%

3,983

3,936

4,055

1.7% FY24

1.6%

1.6% 0.0%

FY25

H1FY26

10,000

8,000

6,000

4,000

2,000

9,813

5.9%

8,205

4.5%

1,658

0.8%

FY21

FY22

FY23

1,330

0.6%

FY24

800 0.3% FY25

9.0%

8.0%

7.0%

6.0%

5.0%

4.0%

3.0%

2.0%

1.0%

771

0.3% 0.0%

H1FY26

3,500

3,000

2,500

2,000

1,500

1,000

500

3,237

1,421

0.9%

717

0.4%

1.6%

1,284

0.6%

FY21

FY22

FY23

FY24

3.5%

3.0%

2.5%

2.0%

1.5%

1.0%

0.5%

- 0.0%

FY25

- 0.0% -0.5%

0.0%

H1FY26

Substantial reduction in Overdue loans

PCR levels >80%, amongst the best vis-à-vis peers

Improvement in Fresh Slippages

Overdue Loans

% of Net Advances

PCR %

Fresh Slippages

% of 1 Year lagged Advances

13,703

8.2%

16,000

14,000

12,000

10,000

8,000

6,000

4,000

2,000

5,747

3.2%

4,786

2.4%

FY21

FY22

FY23

9.0%

8.0%

7.0%

6.0%

5.0%

4.0%

3.0%

2.0%

1.0%

3,684

3,704

3,802

1.6%

FY24

1.5% FY25

1.5% 0.0%

H1FY26

90.0%

80.0%

70.0%

60.0%

50.0%

40.0%

30.0%

20.0%

10.0%

0.0%

65.7%

70.7%

62.3% 66.6%

79.7% 81.0%

12,035

7.0%

14,000

12,000

10,000

8,000

6,000

4,000

2,000

5,795

3.5%

4,775

5,334

5,090

5,421

2.6%

2.2%

2.3%

FY21

FY22

FY23

FY24

FY25

H1FY26

FY21

FY22

FY23

FY24

FY25

H1FY26

1 Outstanding Face Value of Security Receipts issued by JCF ARC at INR 1,962 Crs as of 30th September 2025

8.0%

7.0%

6.0%

5.0%

4.0%

3.0%

2.0%

1.0%

0.0%

Contents

India : Fastest Growing Major Economy

YES Bank – India’s New Age Private Sector Bank

Unique Turnaround

Profitability Trajectory

Financial Results – Q2FY26

YES BANK Franchise

Rapid Digitalization

Balance Sheet Structure: Implications for P&L

Inherent issues in the Balance Sheet structure. However, consistent improvement over last few years

Lower Share of Advances / Assets

Higher Deposits in lieu of PSL Shortfalls + DTA

Comparatively lower SA share

Higher dependence on Borrowings

As % of Assets

FY23

FY24

FY25

FY23

FY24

FY25

FY23

FY24

FY25

YES BANK

Mid Sized Private Banks

Large Private Banks

Advances

57.3% 56.2% 58.1%

Advances

60.4% 62.9% 62.2%

Advances

64.6% 66.2% 65.1%

Investments

21.7% 22.3% 20.1%

Investments

22.9% 23.8% 22.7%

Investments

22.0% 21.8% 23.0%

Govt. Securities

18.4% 19.9% 17.8%

Govt. Securities

20.4% 21.3% 20.0%

Govt. Securities

18.0% 18.1% 19.0%

Other Investments

3.3%

2.4%

2.3%

Other Investments

2.5%

2.6%

2.7%

Other Investments

4.1%

3.7%

3.9%

Balances with Banks

1.8%

0.2%

3.0%

Balances with Banks

1.8%

2.6%

2.5%

Balances with Banks

1.3%

1.8%

2.5%

Cash & RBI Balances

3.6%

4.5%

3.6%

Cash & RBI Balances

7.2%

4.1%

6.5%

Cash & RBI Balances

6.4%

5.2%

4.5%

Other Assets

14.9% 16.2% 14.4%

Other Assets

6.6%

5.6%

5.0%

Other Assets

5.2%

4.6%

4.5%

Fixed Assets

0.7%

Fixed Assets

1.1%

1.0%

1.1%

Fixed Assets

0.4%

Deposits

61.3% 65.7% 67.2%

Deposits

73.7% 75.2% 75.7%

Deposits

74.7% 70.2% 71.9%

9.5%

10.2% 10.2%

9.4%

10.1% 12.8%

42.4% 45.4% 44.2%

10.3% 11.9%

9.0%

21.3% 18.4% 19.8%

42.0% 44.9% 46.8%

11.2%

9.7%

9.5%

23.2% 18.9% 18.1%

40.3% 41.5% 44.2%

Net worth

11.2% 10.2% 11.3%

Net worth

11.4% 11.6% 11.7%

Net worth

11.8% 12.2% 13.1%

Borrowings

21.8% 19.7% 16.9%

Borrowings

10.8%

9.1%

8.3%

Borrowings

9.1%

13.4% 10.8%

Other Liabilities

5.6%

4.4%

4.6%

Other Liabilities

4.1%

4.3%

Other Liabilities

4.4%

4.2%

Data Source: “Statistical Tables relating to Banks in India: 2023-24”, released in Dec 2024; FY25 figures from respective company disclosures

P&L Structure: Comparison to peers

Lower Advances / Assets impacting Interest Income

Higher Yield Corp. book run down + Impact of mix change yet to fully reflect

Lower CASA + Higher Borrowing mix impact

Moderate Yields (balanced risk profile) + Higher CoF

Scope for improvement in Fee Income

Opex fair given size & scale: Operating Leverage to unlock further efficiencies

Provision costs partly benefiting from recoveries, including from ARC

As % of Assets

FY23

FY24

FY25

FY23

FY24

FY25

FY23

FY24

FY25

YES BANK

Mid Sized Private Banks

Large Private Banks

Interest Income

6.7%

7.3%

7.5%

Interest Income

8.0%

9.1%

9.0%

Interest Income

7.1%

8.3%

8.0%

Yield on Advances1

9.3%

9.8%

Yield on Advances

10.7% 11.7% 11.3%

Yield on Advances

8.7%

10.0%

9.6%

Interest Cost

4.4%

5.1%

5.3%

Interest Cost

4.0%

4.7%

5.0%

Interest Cost

3.2%

4.4%

Deposit Cost1

4.9%

5.6%

5.8%

Deposit Cost

4.4%

5.4%

5.7%

Deposit Cost

3.5%

4.6%

4.8%

Net Interest Income

2.4%

2.1%

2.2%

Net Interest Income

4.1%

4.3%

4.0%

Net Interest Income

3.9%

3.6%

Non-Interest Income

1.2%

1.3%

1.4%

Non-Interest Income

1.7%

1.6%

Non-Interest Income

1.4%

1.6%

1.4%

Total Income

3.5%

3.6%

Total Income

5.7%

6.0%

5.6%

Total Income

5.3%

5.4%

5.0%

Staff Cost

1.0%

Staff Cost

1.1%

Staff Cost

0.8%

Other Expenses

1.6%

Other Expenses

2.0%

2.2%

Other Expenses

1.7%

1.5%

1.3%

Operating Expenses

2.6%

2.5%

Operating Expenses

3.1%

3.4%

3.3%

Operating Expenses

2.4%

2.3%

2.1%

Operating Profit

0.9%

1.0%

Operating Profit

2.7%

2.6%

2.3%

Operating Profit

2.8%

3.1%

2.9%

Provisions

0.7%

0.5%

0.3%

Provisions

0.9%

0.6%

1.0%

Provisions

0.4%

0.5%

0.3%

PBT

Tax

PAT

0.3%

0.4%

0.8%

0.1%

0.2%

0.3%

0.6%

PBT

Tax

PAT

1.8%

2.0%

1.3%

PBT

2.4%

2.6%

0.7%

0.5%

0.3%

Tax

0.6%

0.5%

0.6%

1.0%

1.5%

1.0%

PAT

1.8%

2.1%

2.0%

Data Source: “Statistical Tables relating to Banks in India: 2023-24”, released in Dec 2024; FY25 figures from respective company disclosures 1 Computed on 2- point avg. basis from publicly disclosed data to maintain comparability with other Banks.

Recent Progress on RoA has been encouraging

Strategic intervention over last 6-8 quarters have started reflecting in outcomes

Dupont Ratios

NII/ Avg. Assets

Non Interest Income/ Avg. Assets

Total income/ Avg. Assets

Operating Expense/ Avg. Assets

Salary Cost/ Avg. Assets

Other Opex/ Avg. Assets

Operating Profit/ Avg. Assets

Provisions/ Avg. Assets

Profit before tax/ Avg. Assets

Tax Expense/ Avg. Assets

Net Profit/ Avg. Assets

FY23

2.4%

1.1%

3.4%

2.5%

1.0%

1.5%

0.9%

0.7%

0.3%

0.1%

0.2%

FY24

2.1%

1.3%

3.5%

2.6%

1.0%

1.6%

0.9%

0.5%

0.4%

0.1%

0.3%

FY25

2.2%

1.4%

3.6%

2.5%

1.0%

1.6%

1.0%

0.3%

0.8%

0.2%

0.6%

Further improvement in Operating Profitability remains a continued focus area

H1FY26

2.2%

1.6%

3.8%

2.5%

1.0%

1.6%

1.2%

0.3%

0.9%

0.2%

0.7%

Contents

India : Fastest Growing Major Economy

YES Bank – India’s New Age Private Sector Bank

Unique Turnaround

Profitability Trajectory

Financial Results – Q2FY26

YES BANK Franchise

Rapid Digitalization

Results At a Glance – Q2FY26

All amounts in INR Crs

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)

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)

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

• 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

• 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

• 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

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

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

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

•

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

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

• 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

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%

1 13.9%

CRAR

RWA to Total Assets at 71.7% vs.

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

India : Fastest Growing Major Economy

YES Bank – India’s New Age Private Sector Bank

Unique Turnaround

Profitability Trajectory

Financial Results – Q2FY26

YES BANK Franchise

Rapid Digitalization

Retail Bank: Full spectrum retail bank growing with strong momentum

All amounts in INR Crs

Growth calibration in Retail Advances 1

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

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

1 Restated basis revision in Internal Business Segmentation

151,322 158,926 164,092 168,563 171,978 Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26808812861715831Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26117,934118,125120,426118,981120,802Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26 Branch Banking: Expanding Footprint, Enhanced Digital Cross Sell & Growth in Granular Deposits

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

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

• Our DIY journey delivers a frictionless onboarding experience for customers

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

% of Total Deposits

Servicing

+4% Y-o-Y

130,044

128,969

127,083

125,263

45.2%

124,870

45.0%

44.7%

46.8%

43.9%

Servicing & Cross Sell

• 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

Q2FY25

Q3FY25

Q4FY25

Q1FY26

Q2FY26

•

Journeys available across DIY / Assisted

Retail Assets: Focus on Profitability enhancement

All amounts in INR Crs

Retail Banking asset disbursements1: Calibration in Product & Sourcing mix

Diversified retail book2

Differential growth across products- targeted at profitability improvement

Q-o-Q Disbursement Growth- Key Products

18%

25%

13%

30%

19%

21%

-5%

Auto Loans

Used Car Loan Personal Loans Business Loans Education Loans

Home Loans

Affordable HL Secured Business

CE Loans

CV Loans

Loans

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 LoansOthers8,0477,9899,0888,0049,506Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Rural Assets Deepening the penetration in emerging rural markets & generating Agri PSL

All amounts in INR Crs

Business originations

Robust Farmer financing and Women Microfinance book

1,072

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

984

947

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

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

22%

78%

Book size : INR 8,247 Cr

1 Excluding lending to MFI

▪ 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

Micro Enterprise Banking Catering MSME Market Segment

Steady Growth in Funded Book

Growth Avenues, Digitization & Product Innovation

Fund Book

17,464

18,235

Y-o-Y growth: 12%

19,546

18,877

18,831

Scorecard Upgrades

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

Digital Journey as a Fulcrum for Scale

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.

Working Capital & Term Loans Supply Chain Finance

Commodity Finance

83%

Non Fund Book

10%

22%

16%

31%

21%

~98% of Fund book consists of secured products

< 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 Customer Experience and Service Excellence

Credit Cards: Steady business growth

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

4,334

5,726

6,440

8,350

8,057

10,873

New Tech Capabilities

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.

Q2FY24

Q2FY25

Q2FY26

EMI Enablement:

Optimized Book mix

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

43.4%

28.8%

27.8%

33.3%

46.2%

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.

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 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

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 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

• 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

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, 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

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

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

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

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

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

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

• 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

• 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

Well diversified Investor base:

Shareholding Pattern as on September 30, 2025

YES Bank Limited has informed the Exchange about investor presentation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015

Market Movers