Yes Bank Limited

rs,

(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 Inves

7.4%

ely resilient in FY27 ✓vESBANK IMF growth forecasts for 2026 & 2027 FAE expects FY26 growth at 7.4%, RBI lowers FY27 growth rate Real GDP (% YoY) Advanced Economies Emerging Market Economies Ind

2.1%

2.5 5.3 2.8 2.7 3.9 4.7 2.2 2.3 4.0 9 8 7 6 5 4 3 2 1 0 India’s retail inflation averaged 2.1% in FY26 %YoY , ' ' , , ' ·"-- -~" ------------ ------------ ' ' RBI forecast 4.6% YoY for

26 %

2.8 2.7 3.9 4.7 2.2 2.3 4.0 9 8 7 6 5 4 3 2 1 0 India’s retail inflation averaged 2.1% in FY26 %YoY , ' ' , , ' ·"-- -~" ------------ ------------ ' ' RBI forecast 4.6% YoY for FY27 I- -

4.6%

averaged 2.1% in FY26 %YoY , ' ' , , ' ·"-- -~" ------------ ------------ ' ' RBI forecast 4.6% YoY for FY27 I- ------ -------- --------- I 9 1 - n a J 9 1 - r p A 9 1 - l u J 9 1 - t c O

3.5%

- r p A 5 2 - l u J 5 2 - t c O 6 2 - n a J 6 2 - r p A CPI Inflation I I CPI inflation at 3.5% in April, after hitting a low of 0.25% in October Headline retail inflation can creep up I I I

0.25%

- n a J 6 2 - r p A CPI Inflation I I CPI inflation at 3.5% in April, after hitting a low of 0.25% in October Headline retail inflation can creep up I I I Wholesale prices hit a high of 8.2% Y

8.2%

0.25% in October Headline retail inflation can creep up I I I Wholesale prices hit a high of 8.2% YoY in April, we expect some pass-through to retail inflation Petrol and diesel price increases ha

5.0%

upside inflation risk Factoring in these factors, our model estimates headline CPI to average 4.9-5.0% in FY27, still within RBI’s tolerance band ✓vESBANK Upper end Lower end d n a B g n i t e g r

24%

etween 2021-25 I Growing financial inclusion driven by: RBI Financial Inclusion Index1 Up .... 24% since 2021 64 60 67 54 56 • Dedicated government efforts to include every citizen in th

55%

inancial technology, enabling financial access for all r ~56cr beneficiaries since PMJDY launch 55% women account-holders under PMJDY ~80% population now have bank accounts ----------------'~ "---

80%

ccess for all r ~56cr beneficiaries since PMJDY launch 55% women account-holders under PMJDY ~80% population now have bank accounts ----------------'~ "-----------------' 2021 2022 2023 2024

“One of 5 Indian Accredited Entities to the Green Climate Fund Financed emissions: First Indian Bank to measure, disclose and develop a target to reduce financed emissions intensity for electricity generation sector Aligning with global frameworks: Founding Signatory to UNEP FI Principles for Responsible Banking.”

“13.9% Q3FY26 13.5% Q4FY25 1.5% Q3FY26 1.6% Q4FY25 Deposits 318,969 9.0%: Q-o-Q 12.1%: Y-o-Y Operating Profit 1,618 Q4FY26 31.2%: Q-o-Q 23.1%: Y-o-Y FY26 5,506 29.4%: Y-o-Y 0 0 CD Ratio Advances Mix Disbursement1 Arrows indicative of Q-o-Q Trends for Q4FY26 & Y-o-Y trends for FY26 85.7% v/s.”

“Banking (CIB) 46%:26%:28% 47% : 26% : 27% in Q3FY26 49% : 25% : 26% in Q4FY25 33,224 Q4FY26 23.1%: Q-o-Q; 19.8%: Y-o-Y ---- -- ----- ----- -- ----- ----- -- ----- --- · 103,545 FY26 0 0 0 0 NIM% 2.7% 2.6% Q3FY26 2.5% Q4FY25 Q4FY26 v/s.”

“2.6% FY25 2.4% FY25 Slippage Ratio 0 0 V 1.6% 1.6% Q3FY26 2.0%:Q4FY25 Q4FY26 v/s.”

“1.8% 2.1% FY25 FY26 5.8%: Y-o-Y C/I Ratio 63.0% 66.1% Q3FY26 67.3% Q4FY25 66.7% Q4FY26 v/s.”

“FY26 V 71.3% FY25 RoA 1.0% 0.9% Q3FY26 0.7% Q4FY25 0.6% FY25 - -- ----- ----- -- ----- ----- -- ----- ----- - 0.8% FY26 Q4FY26 v/s.”

“Gross Slippages for FY26 also has improved to 1.8% of Advances from 2.1% in FY25 • Net Credit Costs for the quarter stood 0.17% of Avg.”

“FY26 Credit Costs restricted to ~0.2% v/s.”

“0.3% in FY25 • GNPA ratio improved to 1.3% compared to 1.6% in Q4FY25 and 1.5% in Q3FY26; Net NPA ratio improved to 0.2% v/s.”

“0.3% in Q4FY25 and Q3FY26 • NPA Provision Coverage Ratio (PCR) at 81.9% v/s.83.3% in Q3FY26 and 79.7% in Q4FY25 reflecting healthy provision levels • Retail Slippages at 2.8% of Retail Advances lowest in 9 quarters; with improvement visible across both Secured & Unsecured products • Recoveries & Upgrades for Q4FY26 at INR 1,547 Crs & INR 4,795 Crs for FY26, incl.”

Growing financial inclusion driven by

1

Key levers

1

Sustainability Council

1

Purpose-led Culture

1

ICRA Upgrades

1

Provisions for Investments include

1

Provisions for NPA include

1

EMI Capability

1

Mobile App Improvements

1

Ease of Payments

1

Growing financial inclusion driven by

RBI Financial Inclusion Index1 Up .... 24% since 2021 64 60 67 54 56 • 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 r ~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) 6 Banking system in India remains resilient (2/2) Gross advances continue to increase (INR lakh Crs) 200.0 180.0 160.0 140.0 120.0 100.0

Key levers

• • 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 3.9% 2.8% 1.0% 0.6% 2.3% 2.2% 0.5% 0.5% 0.8 0.7 0.4 RoA 1.1 1.3 1.4 1.3 FY15 FY17 FY19 FY21 FY23 FY24 FY25 H1FY26 FY15 FY17 FY19 FY21 FY23 FY24 FY25 H1FY26 FY15 FY17 -0.1 FY19 FY21 FY23 FY24 FY25 H1FY26 … and Capital Adequacy Comfortable Liquidity levels Robust Provision Coverage CRAR 1 17.2% 16.8% 17.3% 17.2% 16.2% LCR 2 158.9% 143.1% 14.3% 13.7% 13.0% 128.9% 124.9% 130.1% 132.6% 131.7% 96.3% 41.7% 43.5% PCR 74.1% 76.2% 76.3% 76.0% 67.4% 60.5% FY15 FY17 FY19 FY21 FY23 FY24 FY25 H1FY26 FY15 FY17 FY19 FY21 FY23 FY24 FY25 H1FY26 FY15 FY17 FY19 FY21 FY23 FY24 FY25 H1FY26 Note: (1) Capital to risk (weighted) asset ratio. (2) Liquidity Coverage Ratio Sources: RBI Financial Stability Report (Dec 2025) 7 Resilience of the banking system has been pivotal to the strength of India’s financial system C

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 Net zero by 2030: Committed to reduce Scope 1 & 2 emissions to Net Zero by 2030, migrated 83 facilities to RE power Gender diversity: 24.4% proportion of women in the Bank’s workforce in FY 2025-26 Responsible lending: Environment and Social Risk Management System (ESMS) instituted to integrate E&S risks into overall credit risk assessment framework Green finance: INR 6,125 Crs in sanctioned facilities for RE projects (solar, wind, hybrid & pumped-storage) of ~1,182 MW in FY 2025-26. One of 5 Indian Accredited Entities to the Green Climate Fund Financed emissions: First Indian Bank to measure, disclose and develop a target to reduce financed emissions intensity for electricity generation sector Aligning with global frameworks: Founding Signatory to UNEP FI Principles for Responsible Banking. First

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 u 2025 u As on May 2025 Rating Upgrades India Ratings & CRISIL: Basel III Tier II & Infra Bonds to AA- Moody’s Upgrades issuer rating to Ba2 ICRA & CARE Upgrades Basel III Tier II & Infra Bonds to AA- 2022 As on December 2022 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 2024 u Rating/ Outlook Upgrade Moody’s: Outlook Upgraded to Positive ICRA: Basel III Tier II & Infra Bonds to A CRISIL & CARE: Basel III Tier II & Infra Bonds to A+ As on April 2024 Senior Rating & Outlook Upgrade: CRISIL: A India Ratings: A CARE : A Moody’s Upgrades issuer rating to Ba1 15 Unique Turnaround Story: An Analysis (4) Shareholding Pattern Evolution ✓vESBANK Part of BSE Sensex 30, Nifty 50, Bank Nifty, MSCI India, MSCI EM, MSCI

Provisions for NPA include

• Reversal of INR 288 Crs from settlement proceeds of an NPA account in the Commercial segment • Even normalised for this, Provisions for NPA lower by INR 160 Crs Q-o-Q • Prudent step up in Standard Assets Provisions through one-time provision of INR 341 Crs during the quarter • Annualized Credit Costs for Q4FY26 at ~0.2% of Avg. assets. FY26 Credit Costs at ~0.2% v/s. FY25 at 0.3% of Avg. assets • Total Recoveries & Upgrades for Q4FY26 at INR 1,547 Crs and INR 4,795 Crs for FY26 • RoA at 1.0% for Q4FY26.vs.0.7% in Q4FY25 and 0.9% in Q3FY26. FY26 RoA at 0.8% v/s 0.6% in FY25 36 GrowthQ4FY26Q3FY26Q4FY25Q-o-QY-o-YFY26FY25Y-o-YOperating Profit/(Loss)1,618 1,234 1,314 31.2%23.1%5,506 4,254 29.4%Provision for Taxation (A)362 260 258 39.3%40.3%1,118 762 46.7%Non Tax Provisions (B)188 22 318 757.0%-41.0%912 1,086 -16.0%Provision for Investments(446)(566)(573)-21.2%-22.3%(1,589)(1,737)-8.5%Provision for Standard Advances / Others548 54 (21)911.2%NM509 (56)NMProvision for Non Performing Advance