YES Bank Limited has informed the Exchange regarding a press release dated April 18, 2026, titled "Press Release and Investor Presentation on the Financial Results for the Quarter (Q4) and year ended ...
✓vESBANK
YBL/CS/2026-27/14
April 18, 2026
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
(Q4) and year ended on March 31, 2026
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 April 18, 2026, wherein the Bank had disclosed the Audited Standalone and Consolidated Financial Results of the Bank for the Quarter (Q4) and year ended on March 31, 2026, along with the 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 (Q4) and Year ended on March 31, 2026, is also enclosed herewith for appropriate dissemination.
The weblink of BSE Limited and National Stock Exchange of India Limited providing the above information is being hosted on the Bank’s website www.yes.bank.in pursuant to Listing Regulations, as amended.
You are requested to take the same on record and acknowledge the receipt.
Thanking you,
Yours faithfully,
For YES BANK LIMITED
Sanjay Abhyankar Company Secretary
Encl: Press Release and Investor Presentation
www.ves.bonk.in I shOreholdersr<i/ves.bonk.in I Tel: +'11 (22) so,n 9800/6507 9800 YES BAN K Limited, YES BANK House, Off Western E)(press Highway, Santacruz (El, Mumbai - 1100055
CIN: L6 51 90MH2003PLC 143249
April 18, 2026quality
Q4FY26 & FY26 - Key Highlights
YES BANK delivers robust Q4 & FY26 performance with consistent rise in profitability, acceleration in growth, outperformance in CASA, improved margins & better asset quality
Q4FY26 Profit grows ~45% to INR 1,068 Crs
Q4FY26 Return on Assets at ~1.0%
Q4FY26 NIM Improves ~20 bps to 2.7%
FY26 C/I Ratio at 66.7% improves 460 bps
Deposits cross milestone of INR 3 Lakh Crs; CASA Deposits Cross INR 1 Lakh Crs
▪ Q4FY26 Net Profit exceeds INR 1,000 Crs at INR 1,068 Crs, up 44.7% Y-o-Y & 12.3% Q-o-Q. FY26
Net Profit at INR 3,476 Crs up 44.5% Y-o-Y
• RoA at 1.0% v/s 0.7% Q4FY25 & 0.9% in Q3FY26. FY26 RoA at 0.8% v/s 0.6% in FY25 • NIM at 2.7% v/s 2.5% in Q4FY25 & 2.6% in Q3FY26. FY26 NIM at 2.6% v/s 2.4% in FY25
o Cost of Deposits for Q4FY26 lower 60bps Y-o-Y & 10bps Q-o-Q at 5.5%; FY26 Cost of
Deposits down 40bps Y-o-Y at 5.7%
• Non-Interest Income at INR 1,730 Crs, up 6.0% Q-o-Q. FY26 Non-Interest Income at INR
6,759 Crs up 15.4% Y-o-Y
• Operating Profit for Q4FY26 at INR 1,618 Crs up 23.1% Y-o-Y and 31.2% Q-o-Q. FY26
Operating Profit at INR 5,506 Crs up 29.4% Y-o-Y
• C/I Ratio further improved to 63.0% in Q4FY26 v/s. 67.3% in Q4FY25 & 66.1% in Q3FY26. FY26
C/I at 66.7% v/s. 71.3% in FY25
▪ Acceleration in Balance Sheet growth; CASA outperformance continues
• Advances at INR 2,73,445 Crs, up 11.1% Y-o-Y and 6.2% Q-o-Q; Deposits exceed critical
milestone of INR 3 lakh Crs at INR 3,18,969 Crs up 12.1% Y-o-Y & 9.0% Q-o-Q
• Disbursements at INR 33,224 Crs, up 19.8% Y-o-Y & 23.1% Q-o-Q, with Retail disbursements
accelerating to ~41% Y-o-Y growth; FY26 disbursements exceed INR 1 Lakh Crs • CASA Deposits crossed the critical milestone of INR 1 lakh Crs during the quarter • Retail & Branch Led Deposits at INR 1,86,186 Crs grew 13.5% Y-o-Y; and comprised 58.4%
of Total Deposits
▪ Significant improvement in Asset Quality
• GNPA ratio at 1.3% down 20 bps Q-o-Q and NNPA ratio at 0.2%, down 10 bps Q-o-Q • Retail Slippages at their lowest in past 9 quarters at INR 888 Crs (2.8% of Advances) v/s.
INR 1,026 Crs (3.4% of Advances) in Q3FY26
• Net Credit Costs for the quarter stood 0.17% of Avg. assets v/s. 0.30% in Q4FY25. FY26
Credit Costs restricted to 0.2% v/s. 0.3% in FY25
▪ Awarded Silver Shield for Excellence in Financial Reporting 2024–25 from ICAI among Private
▪
Sector Banks Improved S&P Global ESG Score from 73 to 79 in 2025, making it the highest score amongst Indian Banks for the fourth consecutive year
Commenting on the results and financial performance, Mr. Vinay M. Tonse, Managing Director & CEO, YES BANK said, “YES BANK concluded FY26 on a strong footing, delivering a Q4 RoA of 1.0% in line with our guidance, supported by a 20 bps improvement in NIMs, improvement in Cost to Income ratio and the lowest GNPA and NNPA levels since FY20. Business momentum continued to strengthen, with broad-based growth across advances and deposits, underpinned by a robust CASA-led deposit engine that contributed to lower Cost of Deposits. FY26 also marked an important strategic milestone with SMBC becoming our largest shareholder, reaffirming global institutional confidence in the Bank’s long-term potential. As we move into FY27, our priorities remain firmly anchored in strengthening the franchise, accelerating high-quality growth, and advancing our journey toward building a resilient YES BANK that consistently creates sustainable value for all stakeholders.”
Page 1 of 4
Q4FY26 & FY26 - Financial Highlights
Profit and Loss
▪ Q4FY26 NII at INR 2,638 Crs, up 15.9% Y-o-Y & 7.0% Q-o-Q. FY26 NII at INR 9,776 Crs up
9.3% Y-o-Y
▪ NIM for Q4FY26 at 2.7% up 20 bps Y-o-Y and up 10 bps Q-o-Q, aided by lower cost of deposits and reduction in balances of PSL shortfall deposits. FY26 NIM at 2.6% up 20 bps Y- o-Y
▪ Non-Interest Income at INR 1,730 Crs, up 6.0% Q-o-Q. FY26 Non-Interest Income at INR
6,759 Crs up 15.4% Y-o-Y
▪ Strong cost control by the Bank enabled restricting Operating Costs growth- at INR 2,750 Crs, up only 1.8% Y-o-Y and down 4.0% Q-o-Q. FY26 Operating Costs at INR 11,029 Crs grew only 4.6% Y-o-Y
▪ Non-tax Provision Costs at INR 188 Crs down 41.0% Q-o-Q. FY26 Non-tax Provisions at
INR 912 Crs down 16.0% Y-o-Y
▪ Operating Profit for Q4FY26 at INR 1,618 Crs, up 23.1% Y-o-Y & 31.2% Q-o-Q. FY26
Operating Profit at INR 5,506 Crs up 29.4% Y-o-Y
▪ Net Profit for Q4FY26 at INR 1,068 Crs, up 44.7% Y-o-Y & 12.3% Q-o-Q. FY26 Net Profit
at INR 3,476 Crs up 44.5% Y-o-Y
▪ Q4FY26 RoA at 1.0% v/s 0.7% in Q4FY25 & 0.9% in Q3FY26. FY26 RoA at 0.8% v/s 0.6%
in FY25
▪ RoE at 8.4% for Q4FY26, v/s 6.2% in Q4FY25 and 7.7% in Q3FY26. FY26 RoE at 7.0% v/s
5.2% in FY25
Balance Sheet
▪ Net Advances at INR 2,73,445 Crs, registered growth of 11.1% Y-o-Y and 6.2% Q-o-Q,
driven by acceleration across business segments
• Retail Assets Disbursement, up ~41% Y-o-Y
• Corporate & Institutional Banking Advances up 19.7% Y-o-Y; Commercial Banking
Advances up 14.5% Y-o-Y; Retail Banking Advances up 4.7% Y-o-Y
▪ C/D ratio at 85.7% v/s 86.5% in Q4FY25 and 88.0% in Q3FY26
▪ Total Deposits at INR 3,18,969 Crs grew 12.1% Y-o-Y & 9.0% Q-o-Q with continued
outperformance in CASA Deposits
• CASA Deposits at INR 111,959 Crs grew 14.9% Y-o-Y; CASA AQB (Avg. Quarterly
Balance) growth was also strong at 11.2% Y-o-Y
• CASA Ratio at 35.1% v/s 34.3% in Q4FY25 and 34.0% in Q3FY26
• CA balances grew 20.8% Y-o-Y and 28.2% Q-o-Q
• SA balances grew 10.1% Y-o-Y and 1.6% Q-o-Q
▪ Average Quarterly LCR during the quarter remains healthy at 119.0%
▪ CET I Ratio stands at 13.8% v/s 13.5% in Q4FY25 and 13.9% in Q3FY26
• RWA to Total Assets at 69.7% v/s 71.3% in Q4FY25 and 73.9% in Q3FY26
▪ PSL shortfall Deposits at INR 27,931 Crs - lower 24.5% Y-o-Y and 4.4% Q-o-Q, now
account for 6.0% of Total Assets; consequently, Borrowings down 9.4% Y-o-Y
Page 2 of 4
Asset Quality
▪ GNPA Ratio at 1.3% in Q4FY26 down 30 bps Y-o-Y and 20 bps Q-o-Q ▪ NNPA Ratio at 0.2% in Q4FY26 down 10 bps both Y-o-Y and Q-o-Q ▪ PCR at 81.9% in Q4FY26 v/s 79.7% in Q4FY25 and 83.3% in Q3FY26 ▪ Net Credit Costs for the quarter stood 0.2% of Avg. assets for the quarter v/s. 0.3% Q4FY25.
FY26 Credit Costs restricted to 0.2% v/s. 0.3% in FY25
▪ Gross Slippages for Q4FY26 at INR 1,102 Crs (1.6% of Advances) v/s INR 1,050 Crs (1.6% of
Advances) in Q3FY26
▪ Retail Banking Slippages at their lowest in past 9 quarters at INR 888 Crs (2.8% of Advances)
v/s. INR 1,026 Crs (3.4% of Advances) in Q3FY26
▪ Recoveries & Upgrades for Q4FY26 at INR 1,547 Crs & INR 4,795 Crs for FY26, incl. P&L gain
from Security Receipts of INR 446 Crs for Q4FY26 & INR 1,559 Crs for FY26
Other Highlights/ Achievements
▪ Opened 6 new branches in Q4FY26 and 82 branches in FY26
▪ ESG Ratings and Indices:
• Only Indian Bank to be included in the S&P Global Sustainability Yearbook 2026
•
Included in the FTSE4Good Index Series for the third consecutive year (2023, 2024, 2025)
• YES BANK continues to be rated the highest in its corporate ESG Rating amongst Indian
Bank by ISS Stoxx
▪ Recognized as a Great Place to Work® for the fourth consecutive year, reflecting YES BANK’s
strong culture of trust, inclusion, and collaboration
▪ Rolled out YES Grandeur Business, a premium banking suite delivering enhanced business
solutions, digital integrations, and operational benefits for modern enterprise
▪ Released the FICCI–YES BANK Report on “Vehicle Electrification: An Export Perspective for India” at the National Conference on Electric Vehicles 2026, reinforcing industry thought leadership
▪
Introduced ACIC Launchpad - Early Startup Pitch Challenge, promoting tech. driven entrepreneurship across sectors like AI, FinTech, AgriTech, EdTech, Energy, & Data Analytics
YES BANK’s Analyst conference call, scheduled on Apr 18, 2026 at 3:00 PM IST, can be heard at following link: https://www.yes.bank.in/about-us/investor-relations/financial-information/financial-results/financial-results-detail-page/quarterly-earnings- call-invite-2025-26-q4
ABOUT YES BANK
YES BANK is one of the leading new generation private sector banks in India, headquartered in Mumbai. The Bank offers a wide range of banking services such as Corporate & Institutional Banking, Retail Banking, MSME, Transaction Banking and Treasury. The Bank has over 1300 branches, 200+ Business Correspondent Banking Outlets (BCBOs) and more than 1350 ATMs (including CRMs and BNAs) spanning across 300 districts of India. YES BANK operates an International Banking Unit (IBU) at GIFT City and also has a Representative Office in Abu Dhabi, strengthening its cross-border capabilities.
YES Securities, a subsidiary of the BANK provides a wide range of broking and investment products to Retail, HNI, and Institutional clients. YES Foundation, the CSR arm of YES BANK drives social impact agenda across areas such as livelihoods, education, skilling, sustainability and community development, reinforcing its commitment to responsible and inclusive banking.
For more information, please visit the Bank's website at https://www.yes.bank.in/
For further information, please contact: YES BANK Sidharth Patnaik Lead Corporate Communications Email: sidharth.patnaik@yes.bank.in
Page 3 of 4
Financial Highlights – Q4FY26 & FY26 Results
Profit & Loss Statement Highlights
(INR Crs)
Q4FY26 Q3FY26 Growth % Q4FY25 Growth %
FY26
FY25
Growth %
Net Interest Income
Non-Interest Income
Total Net Income
2,638
1,730
4,368
2,466
1,633
4,098
7.0%
6.0%
6.6%
2,276
15.9%
9,776
8,944
9.3%
1,739
4,016
-0.5%
6,759
5,857
15.4%
8.8%
16,535
14,801
11.7%
Operating Profit/(Loss)
1,618
1,234
31.2%
1,314
23.1%
5,506
4,254
29.4%
Provisions
Net Profit / (Loss)
Basic EPS (INR)
188
1,068
0.34
952
0.30
22
757.0%
12.3%
318
738
-41.0%
912
1,086
-16.0%
44.7%
3,476
2,406
44.5%
12.3%
0.24
44.6%
1.11
0.77
43.5%
Key P & L Ratios
Q4FY26 Q3FY26
Q4FY25
FY26
FY25
Return on Assets 1
Return on Equity 1
NIM
1.0%
8.4%
2.7%
0.9%
7.7%
2.6%
Cost to Income
63.0%
66.1%
Non-interest income to Total income
39.6%
39.8%
0.7%
6.2%
2.5%
67.3%
43.3%
0.8%
7.0%
2.6%
0.6%
5.2%
2.4%
66.7%
71.3%
40.9%
39.6%
(INR Crs)
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 Slippage Ratio1
CASA Ratio
Average LCR
Balance Sheet Highlights
31-Mar-26
31-Dec-25
Growth
31-Mar-25
Growth
273,445
257,451
318,969
292,524
51,062
49,900
469,105
50,140
48,906
426,007
6.2%
9.0%
1.8%
2.0%
10.1%
Key Balance Sheet Ratios
246,188
284,525
47,780
47,223
423,422
11.1%
12.1%
6.9%
5.7%
10.8%
15.3%
13.8%
16.3
1.3%
0.2%
15.5%
13.9%
16.0
1.5%
0.3%
89.6%
89.9%
241
1.6%
35.1%
259
1.6%
34.0%
15.6%
13.5%
15.2
1.6%
0.3%
87.6%
424
2.0%
34.3%
119.0%
123.8%
125.0%
1 Annualised 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 Q4FY26 & FY26 Financial Results
April 18, 2026
Contents
✓vESBANK
.____L __ _ ______ / Financial Results – Q4FY26 & FY26
YES BANK Franchise
2
Results At a Glance – Q4FY26 & FY26
✓vESBANK
All figures in INR Crs
Total Assets
Advances
469,105
10.1%: Q-o-Q 10.8%: Y-o-Y
273,445
6.2%: Q-o-Q 11.1%: Y-o-Y
Net Interest Income 2,638
Q4FY26
7.0%: Q-o-Q; 15.9%: Y-o-Y
9,776
FY26
Non-Interest Income 1,730
Q4FY26
0 ◊
6.0%: Q-o-Q (0.5)%: Y-o-Y
6,759
15.4%: Y-o-Y
0 0
FY26
9.3%: Y-o-Y
- - -
CASA Ratio
CET 1 Ratio 2
GNPA
35.1%
v/s.
34.0% Q3FY26 34.3% Q4FY25
13.8%
v/s.
1.3%
v/s.
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.
88.0% Q3FY26 86.5% Q4FY25
Profit After Tax 1,068
Q4FY26
12.3%: Q-o-Q 44.7%: Y-o-Y
44.5%: Y-o-Y
NNPA
0.2%
v/s.
0.3% Q3FY26 0.3% Q4FY25
Retail: Commercial: Corp. & Inst. 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.
<=> V
----- ----- -- ----- ----- -- ----- ----- -- -- .
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.
0 0
- -- ----- ----- -- ----- ----- -- ----- ----- - 3,476
FY26
--- -- ----- ----- -- ----- ----- -- ----- ----
--- ----- -- ----- ----- -- ----- ----- -- ----
--- ----- -- ----- ----- -- ----- ----- -- ----
---- ----- -- ----- ----- -- ----- ----- -- ---
-- ----- -- ----- ----- -- ----- ----- -- -----
1 Includes Limit Setups for Micro Enterprise Banking ; 2 Includes Profits
3
Balance Sheet Highlights for Q4FY26 & FY26 (1) Advances & Deposits
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▪ Sharp pickup in growth: Advances at INR 2,73,445 Crs, up 6.2% Q-o-Q and 11.1% Y-o-Y
• Q4FY26 disbursements were INR 33,224 Crs, grew 23.1 % Q-o-Q and 19.8% Y-o-Y; FY26 total disbursements at INR 1,03,545 Crs, up 5.8% YoY
• Commercial Banking Advances sustained momentum with 6.0% Q-o-Q and 14.5% Y-o-Y growth
• Corporate & Institutional Banking advances also posted robust 9.7% Q-o-Q growth and 19.7% YoY
• Retail Banking advances growth improved to 4.7% Y-o-Y, reflecting improving traction and renewed momentum in line with the guidance over past few
quarters; Retail Assets disbursements showed strong acceleration delivering ~41% YoY growth
▪ Deposits at INR 3,18,969 Crs, up 12.1% YoY maintained healthy momentum, broadly in line with Advances growth, supported by a stronger shift toward granular and retail-led liabilities. CASA Deposits surpassed a critical milestone of INR 1 lakh Crs during the quarter and CASA Ratio crossed 35% for the first time for the Bank post reconstruction
• Retail & Branch-led Deposits stood at INR 1,86,186 Crs, grew 13.5% YoY, and comprised 58.4% of Total Deposits
• Retail & Branch-led CASA Ratio improved to 40.7%, up 40 bps YoY and 70 bps QoQ
• CASA Deposits at INR 1,11,959 Crs grew 14.9% Y-o-Y; even on an AQB1 basis, CASA growth was strong at 11.2% Y-o-Y
• Overall CASA Ratio rose to 35.1%, up 80 bps YoY, driven by strong 20.8% YoY growth in CA deposits and 10.1% YoY growth in SA deposits
1 Avg. Quarterly Balance
4
Balance Sheet Highlights for Q4FY26 & FY26 (1) Asset Quality, RIDF & Capital Position
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▪ Asset quality strengthened materially during the quarter with the Slippage Ratio [ex one-off’s] at multi-quarter lows, supported by further improvement in
GNPA/ NNPA:
• Gross Slippages1 for Q4FY26 were INR 1,102 Crs (1.6% of Advances), marginally higher than INR 1,050 Crs (1.6%) in Q3FY26, but lower than INR 1,223 Crs (2.0%) in Q4FY25; this includes one intra-quarter account movement, excluding which slippages are even lower at 1.4% of Advances. 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. assets for the quarter v/s. 0.30% Q4FY25. 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. P&L gain from Security Receipts of INR 446 Crs for Q4FY26 & INR
1,559 Crs for FY26
▪ PSL shortfall led Deposits (incl. RIDF) reduced further by 24.5% Y-o-Y, to INR 27,931 Crs (at 6.0% of Total Assets). The Bank has successfully achieved
NIL Shortfall in PSL requirement (overall & subcategories)
▪ Capital position remains healthy and supportive of future growth, with CET-I Ratio comfortable at 13.8% v/s. 13.5% in Q4FY25 and 13.9% in Q3FY26
1 Annualized & expressed as % of period end balance
5
P&L Highlights- Q4FY26
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1
2
▪ Net Profit for Q4FY26 at INR 1,068 Crs up 44.7% Y-o-Y and 12.3% Q-o-Q ; the highest ever quarterly profitability since reconstruction
• RoA1 at 1.0% for Q4FY26 v/s. 0.7% in Q4FY25 and 0.9% in Q3FY26;
• Q4FY26 Operating Profit at INR 1,618 Crs up by 23.1% Y-o-Y and 31.2% QoQ;
• NIM up 10 bps Q-o-Q and 20 bps Y-o-Y to 2.7% in Q4FY26; aided by lower RIDF and improved funding mix and costs
• Cost of Funds at 5.8% lower by 60 bps Y-o-Y and 20 bps Q-o-Q aided by lower Cost of Deposits (down 60 bps Y-o-Y and 10 bps Q-o-Q) and lower
balances of high-cost Borrowings
▪ Q4FY26 Non-Interest Income at INR 1,730 Crs down 0.5% Y-o-Y, but up 6.0 % Q-o-Q;
▪ Operational efficiency (jaws) improved with Total Income up 8.8% Y-o-Y and Operating Expenses up at 1.8% Y-o-Y for Q4FY26 , reflecting positive
operating leverage
▪ Cost to Income Ratio improved to 63.0% for Q4FY26 v/s 67.3% in Q4FY25 and 66.1%2 in Q3FY26;
▪ Q4FY26 Non-Tax Provision Costs at INR 188 Crs down 41% Y-o-Y, at ~0.2% of Avg. Assets both for the quarter and full year FY26
▪ P&L gain from Security Receipts of INR 446 Crs in Q4FY26, continues to support the bottom-line performance
1 Annualized 2 Normalized for gratuity impact
6
6
P&L Highlights- FY26
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1
2
▪ FY26 Net Profit at INR 3,476 Crs up 44.5% Y-o-Y- the strongest annual profitability since reconstruction
• Full year FY26 RoA at 0.8% v/s 0.6% in FY25 reflecting sustained expansion in earnings
• FY26 PPOP at INR 5,506 Crs up 29.4% Y-o-Y; aided by stronger traction in Income and tight control over Operating Costs
▪ Full year FY26 NIM at 2.6% v/s 2.4% in FY25; aided by lower RIDF and improved funding mix and costs
• Cost of Funds for FY26 at 6.0% lower by 50 bps Y-o-Y aided by lower Cost of Deposits (down 40 bps Y-o-Y) and lower balances of high-cost Borrowings
▪ FY26 Non-Interest Income at INR 6,759 Crs grew 15.4% Y-o-Y
▪ FY26 Operational efficiency (jaws) improved with Total Income up 11.7% Y-o-Y and Operating Expenses up at 4.6% Y-o-Y , reflecting positive operating
leverage
▪ FY26 Cost to Income Ratio improved to 66.7% from 71.3%
▪ FY26 Non-Tax Provision Costs at INR 912 Crs down 16.0% YoY, at ~0.2% of Avg. Assets both for the full year
▪ P&L gain from Security Receipts of INR 1,559 Crs for FY26
7
7
Key Achievements/ Initiatives- Q4FY26
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1
2
▪ 6 new Branches operationalized during the quarter, taking the cumulative count to 82 branches in FY26 inline with the guidance
▪ ESG Ratings and Indices:
•
•
Improved S&P Global ESG Score from 73 to 79 in 2025, making it the highest score amongst Indian Banks for the fourth consecutive year. Only Indian Bank to be included in the S&P Global Sustainability Yearbook 2026
Included in the FTSE4Good Index Series for the third consecutive year (2023, 2024, 2025)
• YES BANK continues to be rated the highest in its corporate ESG Rating amongst Indian Banks by ISS Stoxx
▪ Recognized as a Great Place to Work® for the fourth consecutive year, reflecting YES BANK’s strong culture of trust, inclusion, and collaboration
▪ Rolled out YES Grandeur Business, a premium banking suite delivering enhanced business solutions, digital integrations, and operational benefits for
modern enterprise
▪ Released the FICCI–YES BANK Report on “Vehicle Electrification: An Export Perspective for India” at the National Conference on Electric Vehicles 2026, reinforcing
industry thought leadership
▪ Awarded Silver Shield for Excellence in Financial Reporting 2024–25 from ICAI in the Category II of Private Sector Banks
▪
Introduced ACIC Launchpad - Early Startup Pitch Challenge, promoting tech. driven entrepreneurship across sectors like AI, FinTech, AgriTech, EdTech, Energy, & Data Analytics
8
8
Profit and Loss Statement
All amounts in INR Crs
✓vESBANK
▪ Net Profit for Q4Y26 at INR 1,068 Crs up 44.7% Y-o-Y & 12.3% Q-o-Q. FY26 Net Profit at INR 3,476 Crs up 44.5% Y-o-Y
▪ Operating Profit for Q4FY26 at INR 1,618 Crs up 23.1% Y-o-Y & 31.2% Q-o-Q. FY26 Operating Profit at INR 5,506 Crs up 29.4% Y-o-Y
▪ Q4FY26 NII at INR 2,638 Crs up 15.9% Y-o-Y & 7.0% Q-o-Q aided by pickup in balance sheet growth and higher NIMs. FY26 NII at INR 9,776 Crs up 9.3% Y-o-Y
▪ NIM at 2.7% up 20bps Y-o-Y & 10bps Q-o-Q.
FY26 NIM at 2.6% up 20 bps Y-o-Y
▪ Non-Interest Income at INR 1,730 Crs up
6.0% Q-o-Q. FY26 Non-Interest Income at INR 6,759 Crs up 15.4% Y-o-Y
▪ Operating Costs (Opex) at INR 2,750 Crs up 1.8% Y-o-Y & down 4.0% Q-o-Q. FY26 Opex grew 4.6% Y-o-Y
▪ Provision Costs (non-tax) at INR 188 Crs
for Q4FY26 down 41%Y-o-Y (at only ~0.2% of Assets). FY26 Provision Costs at 912 Crs down 16.0% Y-o-Y (0.2% of Assets)
▪ P&L Gain from Security receipts at INR 446 Crs for Q4FY26 and INR 1,559 Crs for FY26
1 Normalized for gratuity impact
1
9
GrowthQ4FY26Q3FY26Q4FY25Q-o-QY-o-YFY26FY25Y-o-YNet Interest Income2,638 2,466 2,276 7.0%15.9%9,776 8,944 9.3%Non Interest Income1,730 1,633 1,739 6.0%-0.5%6,759 5,857 15.4%Total Income4,368 4,098 4,016 6.6%8.8%16,535 14,801 11.7%Operating Expenses2,750 2,865 2,701 -4.0%1.8%11,029 10,547 4.6%Human Resource Cost1,040 1,169 1,017 -11.0%2.3%4,237 4,008 5.7%Other Operating Expenses1,709 1,696 1,684 0.8%1.5%6,792 6,539 3.9%Operating Profit/(Loss)1,618 1,234 1,314 31.2%23.1%5,506 4,254 29.4%Provisions188 22 318 757.0%-41.0%912 1,086 -16.0%Profit Before Tax1,431 1,212 996 18.1%43.6%4,594 3,168 45.0%Tax Expense362 260 258 39.3%40.3%1,118 762 46.7%Net Profit / (Loss)1,068 952 738 12.3%44.7%3,476 2,406 44.5%Yield on Advances9.2%9.3%10.1%9.5%10.1%Cost of Funds5.8%5.9%6.4%6.0%6.5%Cost of Deposits5.5%5.6%6.1%5.7%6.1%NIM2.7%2.6%2.5%2.6%2.4%Cost to Income63.0%66.1%67.3%66.7%71.3%Profit and Loss Statement Quarter EndedGrowthYear Ended Break Up of Non-Interest Income
All amounts in INR Crs
✓vESBANK
1
• Non-Interest Income at INR 1,730 Crs up 6.0% Q-o-Q and down 0.5% Y-o-Y. FY26 Non-Interest Income at INR 6,759 Crs up 15.4% Y-o-Y
•
Interest on Income Tax refunds for Q4FY26 at INR 28 Crs and INR 130 Crs for FY26 accounted in Non-Interest Income
• Core Fees for Q4FY26 at INR 1,648
Crs, up 7.2% Q-o-Q. FY26 Core Fees at INR 5,947 Crs up 6.6% Y-o-Y
• Share of Retail in Core Fees for
Q4FY26 at 57.8%. FY26 Share of Retail in Core Fees at 56.1%
• Card Product fees grew 12.0% Y-o-Y & 4.1% Q-o-Q aided by increase in Credit Card spends. FY26 Card Product fees at INR 1,042 Crs up 17.1% Y-o-Y
•
Third party product fees grew 5.9% Y- o-Y & 19.1% Q-o-Q aided by seasonal uptick. FY26 Third party product fees at INR 940 Crs registered healthy growth of 16.0% Y-o-Y
10
GrowthQ4FY26Q3FY26Q4FY25Q-o-QY-o-YFY26FY25Y-o-YNon Interest Income1,730 1,633 1,739 6.0%-0.5%6,759 5,857 15.4%Of which Treasury gains / Interest on Tax Refunds83 95 131 -12.3%-36.6%813 276 194.3%Core Fees1,648 1,538 1,608 7.2%2.5%5,947 5,581 6.6%FX Income212 221 227 -4.1%-6.6%878 865 1.5%Trade & CMS289 297 314 -2.8%-8.2%1,159 1,194 -2.9%Third party Product (INS/INV)296 249 280 19.1%5.9%940 811 16.0%Loan Processing Fee & Prepayment Charges242 278 247 -12.9%-2.0%965 942 2.5%Card Product fees277 266 247 4.1%12.0%1,042 890 17.1%General Banking & Others332 227 292 46.2%13.4%962 879 9.4%Proportion of Retail in Core Fees57.8%54.8%53.5%56.1%56.6%Break up of Non Interest IncomeQuarter EndedGrowth Year Ended Break up of Operating Expenses
All amounts in INR Crs
✓vESBANK
• Sustained control on Operating costs
during Q4FY26,
enabled
continued
improvement in C/I ratio
• Operating Costs (Opex) at INR 2,750 Crs
up 1.8% Y-o-Y & down 4.0% Q-o-Q. FY26
Operating Costs at INR 11,029 Crs grew
only 4.6% Y-o-Y
• C/I for Q4FY26 at 63.0% (v/s.67.3% in
Q4FY25) and 66.1%2 in Q3FY26.
•
FY26 C/I at 66.7% v/s 71.3% in FY25
•
Improved Operational
efficiency
(jaws) with Total Income growth at
8.8% Y-o-Y and Operating Expenses
growth at 1.8% Y-o-Y, for Q4FY26
1
~----------------------------------------------------------------------------------------------------
----------------------------
----------------~------------------
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; 2 Normalized for Gratuity Impact
11
GrowthQ4FY26Q3FY26Q4FY25Q-o-QY-o-YFY26FY25Y-o-YManpower Cost1,184 1,161 1,157 2.0%2.4%4,813 4,568 5.4%Of which On Roll Staff Cost1,040 1,014 1,017 2.6%2.3%4,237 4,008 5.7%Statutory Impact of New Labour Code0 155 0 NMNM155 0 NMBusiness Volume Linked720 748 793 -3.7%-9.2%2,946 2,994 -1.6%IT371 314 307 18.2%20.9%1,324 1,227 7.8%Premises264 261 242 1.2%9.0%1,036 1,030 0.6%Professional Fees33 43 35 -24.2%-6.9%183 191 -4.1%Others49 54 70 -9.0%-29.3%214 214 0.2%PSLC128 128 97 0.0%31.5%512 324 58.0%Total Opex2,750 2,865 2,701 -4.0%1.8%11,029 10,547 4.6%Total Opex excl. impact of gratuity2,750 2,709 2,701 1.5%1.8%10,873 10,547 3.1%Break up of Operating ExpensesQuarter EndedGrowthYear Ended Provisions and P&L
All amounts in INR Crs
✓vESBANK
• Provision Costs (non-tax) at INR 188 Crs for
Q4FY26 down 41.0% Y-o-Y. FY26 Non-tax
Provisions at INR 912 Crs down 16.0% Y-o-Y
•
Provisions for Investments include:
•
P&L gain from SRs: INR 446 Crs in
Q4FY26 & INR 1,559 Crs in FY26
•
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
12
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 Advances85 533 913 -84.0%-90.6%1,993 2,879 -30.8%Total Provisions (A+B)550 282 576 95.0%-4.6%2,031 1,848 9.9%Net profit / loss after Exceptional Items 1,068 952 738 12.3%44.7%3,476 2,406 44.5%Return on Assets (annualized)1.0%0.9%0.7%0.8%0.6%Return on Equity (annualized)8.4%7.7%6.2%7.0%5.2%EPS-basic (non-annualized) 0.34 0.30 0.24 1.11 0.77 Year EndedQuarter EndedGrowthBreak up of Provisions Balance Sheet
All amounts in INR Crs
• Balance Sheet expanded by 10.8% Y-o-Y
driven by growth in Advances and Deposits, and offset by 24.5% reduction in balances of Deposits placed in lieu of PSL shortfalls also aiding a 9.4% reduction in Borrowings
• C/D ratio at 85.7% v/s. 88.0% in Q3FY26
and 86.5% in Q4FY25
• Advances grew 11.1% Y-o-Y ; driven by strong growth in Corp & Inst. Banking and Commercial Banking
• Deposits grew 12.1% Y-o-Y; with
continued outperformance in CASA Deposits
• Borrowings reduced by 9.4% Y-o-Y driven by run down in balances of Deposits placed in lieu of PSL shortfalls
• Disbursements of INR 33,224 Crs in
Q4FY26 v/s. ~INR 26,982 Crs in Q3FY26 with share of Retail at ~56%
Disbursements
Q4FY26 Q3FY26
FY26
Retail 1
18,376
13,540
57,769
Commercial Banking
2,879
2,479
9,205
Corp. & Inst. Banking
11,969
10,963
36,572
Total
33,224
26,982 1,03,545
1 Includes sanctions/ limit set-ups
✓vESBANK
I
I
I
I
I
13
Break up of Deposits31-Mar-2631-Dec-2531-Mar-25Q-o-Q %Y-o-Y %CASA111,95999,48397,48012.5%14.9%Current Account 52,32240,80943,30428.2%20.8%Savings Account59,63758,67454,1761.6%10.1%CASA Ratio35.1%34.0%34.3%Term Deposits207,010193,041187,0457.2%10.7%Certificate of Deposits 6,831 990 - - - Total Deposits318,969292,524284,5259.0%12.1%Balance Sheet31-Mar-2631-Dec-2531-Mar-25Q-o-Q %Y-o-Y % Assets 469,105426,007423,42210.1%10.8%Advances273,445257,451246,1886.2%11.1%Investments88,14091,15785,104-3.3%3.6% Liabilities 469,105426,007423,42210.1%10.8%Shareholders Funds51,06250,14047,7801.8%6.9%Total Capital Funds49,90048,90647,2232.0%5.7%Deposits318,969292,524284,5259.0%12.1%Borrowings64,86463,03371,6032.9%-9.4% Break up of Advances & Deposits
✓vESBANK
All amounts in INR Crs
Advances
•
FY26 Advances up 11.1% Y-o-Y v/s 8.1% in FY25
3
• Retail Banking Advances up 4.7% Y-o-Y
driven by strong pickup in disbursements
• Commercial Banking Advances up 14.5%
Y-o-Y
2
I
I
I
I
I
I
I
I
I
• Corporate & Institutional Banking
of which MSME advances contributing 29.4%
Advances up 19.7% Y-o-Y
• Retail Banking mix at 46% v/s. 49% in
Q4FY25
Deposits
• CASA + Retail TDs1 at 64.2% vs. 64.4% in
Q4FY25 and 66.2% in Q3FY26.
• Retail & Branch led Deposits CASA ratio
robust stood at 40.7%
• Avg. daily Retail CA for Q4FY26 grew
12.2% Y-o-Y
• Avg. daily Retail SA for Q4FY26 up 8.4%
Y-o-Y
• Retail CASA Accounts opened: 2.26 Lakh
in Q4FY26
4
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
14
Segmental Break up of Advances31-Mar-2631-Dec-2531-Mar-25Q-o-Q %Y-o-Y %Retail Banking ^126,056120,865120,4264.3%4.7%Commercial Banking 69,947 65,962 61,063 6.0%14.5%Corporate & Institutional Banking77,44270,62564,7009.7%19.7%Total Net Advances273,445257,451246,1886.2%11.1%Segmental Break up of Deposits31-Mar-2631-Dec-2531-Mar-25Q-o-Q %Y-o-Y %Retail & Branch Banking led Deposits 186,186 173,305 164,092 7.4%13.5%Retail & Branch Banking CASA Ratio40.7%40.0%40.3%Other Deposits 125,952 118,229 120,433 6.5%4.6%Other CASA Ratio27.3%25.3%26.0%Total Deposits312,139291,534284,5257.1%9.7% Break up of Investments
All amounts in INR Crs
✓vESBANK
▪ Total Net Investments at INR 88,140 Crs
•
•
SLR – INR 80,549 Crs
Non SLR – INR 7,591 Crs
• Standard Rated - INR 5,341 Crs:
99.9% Rated AA and above
• Security Receipts- NIL
• Others Standard 1- INR 2,250 Crs
Investments Breakup
SLR 91.4%
NSLR 8.6%
HTM 0.5%
AFS 6.2%
HFT 1.3%
FVTPL 0.2%
SUBSI 0.5%
1 Includes Equity, Preference, CDR, US Treasury Bills, NPI & Others
15
NPA Highlights
All amounts in INR Crs
• GNPA Ratio at 1.3% in Q4FY26 down 20
bps on Q-o-Q and 30 bps on Y-o-Y basis.
• NNPA Ratio at 0.2% in Q4FY26 down 10
bps vs both Q-o-Q and Y-o-Y
• PCR at 81.9% in Q4FY26 v/s 83.3% in
Q3FY26 and 79.7% in Q4FY25
• Gross Slippages for Q4FY26 at INR 1,102
Crs (1.6% of Advances) v/s. INR 1,050 Crs
(1.6% of Advances) in Q3FY26 and INR
1,223 Crs (2.0% of Advances) in Q4FY25.
• Net Slippages for Q4FY26 at INR 211 Crs
(0.3% of Advances) v/s. INR 602 Crs (0.9%
of Advances) in Q3FY26 and INR 696 Crs
(1.1% of Advances) in Q4FY25.
• Retail Banking Slippages at their lowest
in past 9 quarters at INR 888 Crs (2.8% of
Advances) v/s. INR 1,026 Crs (3.4% of
Advances) in Q3FY26
✓vESBANK
1
2
1--------------------------------+································· ···················-----····· .................................................................. ----··························· ................................. .
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
16
31-Mar-25 3,936
Additions 4,858
Upgrades 1,106
Recoveries 1,328
Write Offs 2,755
31-Mar-26 3,605
GNPA(%)GNPA(%)GNPA(%)Retail Banking ^2,738 2.2%2,856 2.4%2,628 2.2%Commercial Banking392 0.6%671 1.0%622 1.0%Corporate & Institutional Banking475 0.6%488 0.7%686 1.1%Total3,605 1.3%4,015 1.5%3,936 1.6%31-Dec-2531-Mar-26OpeningAdditionsUpgradesRecoveriesWrite OffsClosingRetail Banking ^2,8568882132115812,738Commercial Banking67180631439392Corporate & Institutional Banking488134134130475Total4,0151,1023535386203,605Movement of GNPAMovementSegmental GNPA31-Mar-2631-Dec-2531-Mar-25 Asset Quality ParametersGross NPA (%)Net NPA (%)Provision Coverage Ratio excl. Technical W/O (%)Provision Coverage Ratio incl. Technical W/O (%)81.9%83.3%79.7%89.6%89.9%87.6%1.3%1.5%1.6%0.2%0.3%0.3%31-Mar-2631-Dec-2531-Mar-25 Summary of Labelled & Overdue Exposures
All amounts in INR Crs
✓vESBANK
• Sustained
reduction
in
Standard
Restructured Advances
• Recovery and Repayments during Q4FY26
from Standard Restructured accounts
amounted to INR 14 crs
• Recoveries from Security Receipts during
the quarter aggregated to INR 446 Crs and
1
INR 1,559 crs for FY26
• Overdue book of 31-90 days at INR 2,967
Crs down from INR 3,656 Crs in Q3FY26
and INR 3,705 Crs in Q4FY25
• Retail Overdue ex Rural at INR 2,037 crs
down from INR 2,259 crs in Q3FY26 and
INR 2,499 crs from Q4FY25.
2
3
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
17
GrossProvisionsGrossProvisionsGrossProvisionsNPA3,6052,9524,0153,3433,9363,135Other Non Performing Exposures4,3733,6874,6563,9645,1534,461NFB of NPA accounts882196889196874182NPI262626266262Security Reciepts3,4653,4653,7413,7414,2174,217Total Non Performing Exposures7,9786,6398,6717,3079,0897,597Technical Write-Off2,6542,6542,6502,6502,5352,535Provision Coverage incl. Technical W/O 87.4%88.0%87.2%Std. Restructured Advances241372594242460Erstwhile528592DCCO related - - - - 1075MSME556577678Covid180291943124145Other Std. exposures662362221144061-90 days overdue loans1,1541,6731,511Of which Retail1,0341,3611,20931-60 days overdue loans1,8131,9842,194Of which Retail1,2401,4311,571Particulars31-Mar-2631-Dec-2531-Mar-25 CET 1 Ratio at 13.8%1
✓vESBANK
1
•
Bank’s Capital Adequacy Ratio 1
15.3%
15.5%
15.6%
2
•
CET I Q-o-Q Movement in Q4FY26
13.9%
0.4%
-0.5%
CRAR
D
■
■
1 13.8%
RWA to Total Assets at 69.7% vs.
73.9% in Q3FY26 and 71.3% in
Q4FY25
CET 1 accretion from DTA
- Q-o-Q INR 292 Crs. (+9 bps)
- Y-o-Y INR 1,033 Crs. (+33 bps)
Stock of DTA as on Mar 31, 2026
upon unwind to add further 139 bps
of CET 1 over time
Q3FY26
Accretion
Consumption
Q4FY26
1 Includes Profits
18
13.8%13.9%13.5%1.5%1.6%2.1%31-Mar-2631-Dec-2531-Mar-25TIER IICET 1 Contents
Financial Results – Q4FY26 & FY26
_L ____ /
YES BANK Franchise
✓vESBANK
19
India’s New-Age Private Sector Bank
✓vESBANK
INR 2.73 Lakh Crs| 72% Loan Book | Share of Retail & Commercial Bank2
Diversified Balance Sheet
INR 3.19 Lakh 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
, .
6
✓ vESBANK
Stable Asset Quality 1.3% | 0.2% GNPA | NNPA
Well Capitalized 15.3% | 13.8% Capital Adequacy | CET-1 Ratio3
. ,
Pan India Distribution 1,334 | 1,364 Branches | ATMs
Granular, Retail Franchise
- - - - - -~ " - - - -~ " - - - - -~ .. ____ _
29k+ Employees | Senior Management vintage of 9.9 Years with the Bank
Highest rankings among Indian Banks from prominent global ESG Rating institutions including S&P, CDP etc.
Professional, Seasoned Management
Marquee Shareholders SMBC, SBI & Advent
LT Rating - at AA- 4 ST Rating – Highest at A1+
Notes: All Metrics as of Q4FY26 i.e. Quarter ended 31st March 2026 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 4 Long term rating by ICRA, CARE, CRISIL & India Ratings ; Short Term Ratings by CRISIL & CARE
20
Strong Institutional Sponsorship- catalyst for next phase of Growth
✓vESBANK
Overview
Strong & Diversified Investor Base
Sumitomo Mitsui Banking Corporation (“SMBC”) became YES Bank’s largest shareholder through the acquisition of 24.9% stake from SBI, other Investor Banks1 and separately from Carlyle (CA Basque Investments) and others 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
12.9%
■
SMBC
SBI
■
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 One Nominee Director on the Board of Directors
13.0%
SMBC Overview
24.9%
■
Verventa Holdings (affiliate of Advent International)
■
Other Investor Banks
10.8%
Resident Individuals
■
SMBC, a wholly owned subsidiary of Sumitomo Mitsui Financial Group (SMFG), is among the leading foreign banks operating in India. It is the 2nd largest banking group in Japan, 14th largest globally3; designated as a GSIB4, with Total Assets of ~USD 2 trillion SMFG’s wholly owned subsidiary, SMFG India Credit Company, is one of the largest diversified NBFCs in India, with an AUM of USD 6.2 billion, a customer base of 3 million, and a branch network of 1,007 locations across more than 670 towns5.
27.4%
8.5%
2.6%
■
FPI’s
■
Others
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 and IDFC First Bank Limited. (2) Shareholding Pattern as of 31st March 2026. (3) S&P CapIQ, Banking Asset Ranking, 2025; (4) 2025 List of Global Systemically Important Banks (GSIBs) by the Financial Stability Board (FSB); (5) As of Dec-24
21
Retail Bank Full spectrum retail bank growing with strong momentum
All amounts in INR Crs
Growth calibration in Retail Advances 1
✓vESBANK
kl
Pan-India presence via 1,334 branches, 249 BC banking outlets and 1,364 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)
74% of branches in Top 200 deposit centers
~96% of service 2 requests via digital channels
Advanced score- cards and analytics being leveraged across underwriting and engagement
1 Basis Internal Business Segmentation; excludes SME Advances
As % of total advances
49%
49%
49%
47%
46%
Sustained growth in Retail & Branch Banking led Deposits despite significant Interest Rate cuts
+13.5% Y-o-Y . - - - - - - - - - - - -1C __ ~ - - - - -..
As % of total deposits
58%
61%
58%
59%
58%
In addition, continued momentum within Retail Fee Income
Oo 0
~
22
164,092 168,563 171,978 173,305 186,186 Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26120,426118,981120,802120,865126,056Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26861715828842951Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26 Retail Assets Focus on Profitability enhancement
All amounts in INR Crs
Retail Banking asset disbursements1: Calibration in Product & Sourcing mix
Diversified retail book2
2
•
. . . . . . . . . . . .
Secured Business Loans
Personal Loans
Home Loans
Credit Cards
Commercial Vehicle Loans
Affordable Home Loans
Rural Banking
Construction Equipment Loans
Auto Loans
Used Car Loans
Business Loans
Others
1
•
3
•
9,088
18%
82%
■
Secured Disb %
■
Unsecured Disb %
8,004
22%
9,510
22%
9,187
24%
78%
78%
76%
12,796
15%
85%
Q4FY25
Q1FY26
Q2FY26
Q3FY26
Q4FY26
Differential growth across products- targeted at profitability improvement
17%
-1%
-13%
Y-o-Y Book Growth
23%
9%
1111
-
-5%
Secured Business Loans
Personal Loans
Home Loans
Credit Cards
CV/CE Loans
Affordable HL
9%
1111
1%
-15%
-26% Auto Loans
Used Car Loan
Business Loans
UCV/UCE Loans
✓vESBANK
3%
8%
8%
10%
22%
11%
5%
6%
5%
• -
6%
8%
8%
1 Excludes Micro Enterprise Banking , Rural Banking Assets, Credit Cards and Inclusive & Social Banking, 2 Split basis gross retail advances
23
Micro Enterprise Banking Catering MSME Market Segment •
Steady Growth in Funded Book
1
Y-o-Y growth: 11%
✓vESBANK
4
•
Growth Avenues, Digitization & Product Innovation
2
•
10%
3%
8%
• PSL Book : 90% of MSME Funded Book PSL Compliant
Sustainable Product Mix
3
•
Granular and Stable Customer Mix
■
■
Working Capital & Term Loans Supply Chain Finance
9%
12%
27%
■
Commodity Finance
79%
■
Non Fund Book
30%
22%
~95% of Fund book consists of secured products
• < 1 Cr
• 1 - 2 Cr
•
2-< 5 Cr
•
5 -< 10 cr
•
< 10 Cr
':
I I I I
I
,,
1::=1
✓ - ✓-
New Product Launch ..... _____________ .,
'
.
,,,,,.------------- , ~i:t fAAl
'
\
: : I
Digital Journey as a Fulcrum for Scale .... ____________ .,,,. '
I I I I ,
Delivering Unmatched I Customer Experience I and Service I I Excellence I , ..... ____________ .,,
',
Launched a new cashflow-based lending product “GST FinFast” leveraging GST and Banking data, with defined TATs to enhance agility in credit assessment and enable faster, data-driven decision-making
Enhancement in YES Business Loan HUB, a digitally assisted solution integrated with the Loan Origination System, has streamlined MSME loan proposal logins. 90% of eligible New-to- Bank cases are now logged through loan HUB reflecting a strong shift toward digital adoption. The platform also identifies data-driven trade finance opportunities, further strengthening customer engagement and cross-sell potential.
(Net Banking) onboarding
SME Direct Service Desk has been enhanced to support YES for all constitution Business (erstwhile only Sole Proprietorship). The desk has increased its handling to 60+ request type & has successfully processed ~18,500 service requests in Q4 FY26—reinforcing its role as a key service channel in improving customer experience.
24
18,87718,83119,53519,60620,933Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26 Rural Assets Deepening the penetration in emerging rural markets & generating Agri PSL
✓vESBANK
All amounts in INR Crs
1
•
Business originations
1
2
•
Robust Farmer financing and Women Microfinance book
▪ High quality farmer financing book with NPA of ~3%
•
•
•
100% book qualifies under granular PSL lending
▪ Well diversified farmer financing book with small, medium and large ticket size loans
Product suite to cater to all segments of semi urban/ rural ecosystem
▪ On ground portfolio monitoring/ trigger-based monitoring by an independent risk
Parameterized lending in the granular book for faster disbursements
monitoring team
▪ The women microfinance borrower portfolio continues to demonstrate calibrated book growth and strong delinquency management, despite industry-wide challenges and increased oversight by state governments pertaining to field collections. Furthermore, all new business sourced from 1st January 2025 onward is covered under CGFMU, the Government’s credit guarantee scheme.
3
•
Book Split (value) by segments
4
•
•
Capturing Rural value chain with geographic diversification
Profitability Drivers supported by in-depth analytics
▪ Diversified portfolio across ~230 districts in 18 states
▪ Long standing relationship with credible BC partners
The LOS and LMS platforms—equipped with customer authentication features, an e-SIGN workflow, enhanced disbursement and collection journeys—are expected to significantly improve efficiency and productivity.
•
•
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
Book size : INR 8,937 Cr
1 Excluding lending to MFI
25
9299281,0721,1201,321Q4FY25Q1FY26Q2FY26Q3FY26Q4FY2675%25%Farmerfinancing(KCC + FarmMechanization)WomenMicroFinance Sustained Strong Growth in Cards, Book Size & Card Spends
Key Initiatives Q4 FY 26
Credit Cards Steady business growth •
No of Cards In (‘000s)
1
Book Size in Cr Spends in Cr
■ ■
2,068
5,538
7,571
2,431
28.7% Y-o-Y
30.1% Y-o-Y
7,206
9,745
2,897
.....
23.4% Y-o-Y
22.9% Y-o-Y
12,022
8,856
Q4FY24
Q4FY25
Q4FY26
3
•
Optimized Book mix
Comparison of Book mix as on Mar’25 vs Mar’26
2
•
New Tech Capabilities
Customer Centric Innovation
✓vESBANK
EMI Capability: • Capability for EMI authorization extended to unsettled
transactions implemented on the IRIS channel
Mobile App Improvements: •
In house collections management portal payment reminder links and view real-time payment status
to generate
Ease of Payments: •
In house customer portal to make credit card payments via UPI on payment reminder links generated by Bank
EMI Conversion Channel: • New integrated channel for post transaction EMI conversion
on partner app through Bank SDK made live
Sourcing and ENR Growth: • Delivered highest-ever quarterly sourcing of 2.85 lakh cards with the portfolio closing at an ENR of over 8,800 Crs
44.8%
----►
34.1%
45.3%
Transactor Book
■
29.8%
25.4 %
20.7%
Revolve Book
■
EMI Book
Portfolio Update
Term Booking and Spends: • Highest-ever term booking of 1.19K Crs and over 12K Crs
in total spends, including 4K Crs plus CC UPI spends
Mar’25
Mar’26
26
Retail Slippages1 – Significant Improvement
✓vESBANK
All amounts in INR Crs
Sustained improvement in Retail Slippages ; lowest since 9 qtrs
-
Improvement seen even on 1 Year lagged basis
Early delinquencies i.e. 30+ also showing continues improvement
-
Secured & Unsecured Portfolio slippages down Q-o-Q
Within Unsecured, improvement in PL , BL and Credit Card
30+ stable across unsecured, further improving in secured
■
■
•
•
•
•
■
■
1Slippage ratios expressed on Annualized basis, Excludes Micro Enterprise Banking
■ ■■-
-
27
0.5%0.5%0.5%0.5%0.5%0.4%0.4%0.4%2.0%1.9%1.9%1.8%2.0%2.0%1.8%1.6% Q1FY25Q2FY25Q3FY25Q4FY25 Q1FY26 Q2FY26 Q3FY26Q4FY2631-90 day Overdue loans as % total Retail Advances (ex-Rural)-on 1 Yr. lagged basisUnsecuredSecured2.6%2.4%2.4%2.3%2.5%2.4%2.0%2.3%1,056 1,179 1,174 1,101 1,164 1,097 925 764 4.2%4.7%4.7%4.3%4.6%4.3%3.7%2.9% Q1FY25Q2FY25Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26Q4FY26Retail Segment Slippages% of Retail Advances4.2%4.7%4.6%4.2%4.6%4.4%3.7%3.0% Q1FY25Q2FY25Q3FY25Q4FY25 Q1FY26 Q2FY26 Q3FY26Q4FY26Retail Slippages -% of 1 Year Lagged Advances2,410 2,410 2,515 2,499 2,532 2,430 2,259 2,037 2.6%2.4%2.4%2.4%2.5%2.4%2.3%2.0% Q1FY25Q2FY25Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26Q4FY26Retail 31-90 Day Overdue (ex- Rural)% of 1 Yr. Lagged Adv.1.8%1.9%2.0%2.0%2.1%1.8%1.7%1.5%2.7%2.8%2.5%2.2%2.5%2.5%2.0%1.5% Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Slippages as % of Total Retail Advances (1 yr. lagged)UnsecuredSecured4.2%4.6%4.4%4.5%4.5%4.7%3.7%3.0%1.0%1.0%1.0%0.9%0.9%0.8%0.7%0.6%0.1%0.1%0.1%0.1%0.2%0.1%0.1%0.1%0.6%0.7%0.7%0.7%0.7%0.6%0.6%0.6%0.1%0.1%0.2%0.2%0.2%0.2%0.2%0.1% Q1FY25Q2FY25Q3FY25Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Slippages as % of Total Retail Advances (1 yr. lagged)Personal LoanBusiness LoanCredit CardISB Branch Banking: Expanding Footprint, Enhanced Digital Cross Sell & Growth in Granular Deposits
✓vESBANK
All amounts in INR Crs
1
•
Branch network expanded by 6 new branches in Q4 FY26 and 82 in FY26 [Net: 79]
2
Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell
■
■
Assisted Digital Onboarding
Sustained growth in Granular Deposits
3
• -
c __ ~
+6% Y-o-Y
• ~96% eligible SA accounts opened digitally with ~73% Savings accounts
instantly activated
• ~89% eligible CA accounts opened digitally with ~46% 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
along with CA for eligible constitutions in a single journey
DIY (Do It Yourself) Digital Onboarding across CA & SA onboarding
• Our DIY journey delivers a frictionless onboarding experience for customers
Servicing & Cross Sell
Servicing
• Over 351 unique service journeys available on digital channels
• 202 on ‘IRIS by YES BANK’ – Bank’s newest Digital app • 222 on YES Online – Internet Banking Platform • 101 on YES Robot • 73 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
28
127,063 128,969 130,021 131,524 135,196 44.7%46.8%43.9%45.0%42.4%Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26Retail & Small Business Deposits ( Gross LCR definition - EOP Balance)% of Total Deposits1,2551,2531,2951,3281,334235235235235249Q4FY25Q1FY26Q2FY26Q3FY26Q4FY26BranchesBCBO1,4901,4881,5301,5631,583 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: 16.1%CAGR (Q4FY24-Q4FY26) v/s. 9.0% CAGR in Industry and 10.2% CAGR amongst Pvt. Banks
1
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 - sustaining Bank’s outperformance
Increasing Branch led Sourcing of Retail Banking Assets
4
1
Productivity Gains within existing & expanding franchise
Y-o-Y Growth of CASA and Total Deposits (Q3FY25- Q3FY26)
■
■
■
■
■
2
■
2
-
2
Improving Low Cost & Granular Deposits with Focus on Quality
Q4FY26 CASA growth for YBL at 14.9% Y-o-Y & YBL Branch Banking at 14.4%
Sustained traction in Branch Banking Fee Income 3
Q4FY26 Deposits growth for YBL at 12.1% Y-o-Y & YBL Branch Banking at 13.5%
CASA ATS
■
4
Branch Banking CASA + Granular FD Book
■
4
Incremental CASA Ratio: Q3FY25- Q3FY26
Indexed to 100 for Q4FY24
167.4
139.1
115.5
128.7
100.0
100
Q4FY24
Q4FY25
Q4FY26
I I
2
2
I
•
9.1% CAGR
1 Based on Total Bank Deposits, CAGR computed between Q4FY24-Q3FY26 for the Industry & Pvt. Banks; 2 Data Source: RBI (BSR)-2 – Deposits with SCBs; 3 Includes Rural Retail Liabilities 4 Normalised for comparability; ATS: Average Ticket size per account
29
41.7%51.2%32.0%33.2%YBL BranchBankingYBLPrivate BanksIndustry9.5%9.0%8.5%5.5%9.6%11.4%8.8%10.2%CASA Y-o-Y GrowthTotal Deposits Y-o-Y GrowthYBL Branch BankingYBLPrivate BanksIndustry367 375 437 Q4FY24Q4FY25Q4FY26Branch Banking Fees100116.7124.5100112.7119.4Q4FY24Q4FY25Q4FY26Deposits per BranchDeposits per EmployeeIndexed to 100 for Q4Y243.3 3.6 4.1 38%44%46% - 2.0 4.0 6.0 8.0 10.0 12.0Q4FY24Q4FY25Q4FY26Retail Assets -Disbursement MixThrough Internal Channels% of Total DisbursementsDisbursement in INR'000 Crs. Deposits Metrics continue steady gains
✓vESBANK
All amounts in INR Crs
Sustained momentum in deposit accretion
Outperformance with Industry significant in CASA Deposits
CASA ratio strengthening, industry gap shrinking
•
YBL CAGR 9.4%
•
YBL CAGR 16.6%
YBL CAGR at 5.5% vs Industry CAGR 9.0%1
YBL CAGR at 11.4% vs Industry CAGR 4.9%1
Sustained outperformance in SA v/s Industry2
-
Amid favorable mix , Continues Improvement in CoD
Continue to maintain healthy short term & long-term liquidity
■
■
1CAGR compounded between Q4FY24 – Q3FY26 2Industry data based on RBI’s ‘Basic Statistical Return (BSR)-2 - Deposits with SCBs excluding RRBs’ as of Q3FY26.
--------------
100%
30
82,317 97,480 111,959 Q4FY24 Q4FY25 Q4FY26YBL CASA266,372284,525318,969 Q4FY24 Q4FY25 Q4FY26YBL Total Deposits30.9%30.8%34.3%32.8%33.7%34.0%35.1%40.5%39.3%38.9%38.2%38.1%37.9% Q4FY24 Q1FY25Q4FY25 Q1FY26 Q2FY26 Q3FY26Q4FY26YES BANK CASA RatioIndustry CASA Ratio40,973 54,176 59,637 23.0%32.2%10.1%5.5%4.6% Q4FY24Q4FY25Q4FY26Savings AccountYoY GrowthIndustry Growth116.1%137.8%125.0%135.8%125.1%123.8%119.0%122.4%120.8%117.9%116.9%115.3%115.2%117.9% Q4FY24 Q1FY25Q4FY25 Q1FY26 Q2FY26 Q3FY26Q4FY26Average LCRNSFR6.1%6.1%5.9%5.7%5.6%5.5%7.5%7.6%6.6%6.3%6.5%7.0% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26Cost of Deposits1 yr CD Rate[Qtr Avg] Significant progress on ensuring PSL compliance Sustained momentum in Organic balances; NIL Shortfalls in Overall ; RIDF Deposits at 6.0% 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
■
FY26
1 0 5 , 1 1 1
5 1 2 , 1 0 1
3 4 2 , 3 9
6 4 0 , 5 7
3 5 3 , 2 1
0 1 5 , 3 1
5 7 1 ,
0 1
1 5 5 , 2
6 9 6 , 7 1
5 5 1 , 9 1
5 2 3 , 4 1
3 4 4 , 5
0 9 0 , 9 1
5 9 0 , 7 1
2 8 7 3 1
,
9 7 1 , 6
1111~-•·· -·•· -·•·
Weaker Section
Overall PSL
SMF
NCF
10.9% 10.7% 10.4%
44
44
43
8.5%
35
8.7%
9.0%
37
37
7.8%
34
6.9%
29
6.0%
28
Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26
-
RIDF Deposits
As % of Assets
-
Mandated deposits in lieu of PSL Shortfalls: 6.0% of Assets ; expected to further reduce to <5% over next 1 year
All figures below for Q4FY26; ‘Normalized’ indicates Pro-forma figures, normalized for the impact of deposits placed in lieu of PSL Shortfalls
8.2%
3.1%
63.0%
1.7%
1.1%
9.2%
7.9%
2.7%
61.2%
1.4%
1.0%
8.4%
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
31
Wholesale Banking Covering Diverse Client Segments with Deep Product Expertise
✓vESBANK
S T N E M G E S T N E L C
I
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 Commercial & Cooperative Banks, International Banks, NBFCs, MFIs, Insurance Cos, Mutual Funds, Stockbrokers, Payment Operators & Cross border Money Transfer Operators
Multinational Corporates operating in India, Startups, Fintechs, E-commerce companies.
Central & State Government Entities
Small to 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
IFSC Banking Unit
CGA/ FASAR
Fx & Derivative Sales, DCM, Trading, Balance Sheet Management
Construction Finance & Lease Rental discounting for Residential & Commercial real estate
Offshore product offerings through IBU at GIFT City
Corporate & Government Advisory/ Food & Agri Strategic Advisory & Research
Growing Client Base and Improving Positioning with High Focus on Risk and Returns
32
Wholesale Banking Business (1)
✓vESBANK
All amounts in INR Crs
1
Corporate & Institutional Banking
3
Providing tailored solutions to clients across business segments
. - - - - - - ....a..--- ---"---
. - - - - -
2
•
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
I
& e t a r o p r o C
Large Corporates
Financial Institutions
Multinational & New Economy Corporates
Government Banking
• Team of 185 Relationship Bankers in 9 cities
• Focus on providing wide suite of banking products to develop and maintain
core bank status
• Team of 70 Relationship Bankers based across all key locations Pan-India
• Solutioning led wholesale liabilities franchise across Financial Institutions
• Financing NBFCs along with co-lending
• Resource raising from International and Domestic Banks & DFIs
• Dominant position in Co-operative Banks & Cross Border remittances
• Team of 70 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 75 Relationship Bankers spread across 37 cities
• Coverage of Government Entities with comprehensive Financial and Digital
solutions
Commercial Banking
• Team of 800 Relationship Bankers with presence in 62 cities.
• Building Granular portfolio with robust risk management
33
64,70062,39066,98070,62577,43375,78374,14478,20078,41484,125Q4FY25Q1FY26Q2FY26Q3FY26Q4FY2624,53424,40425,53326,53028,785Q4FY25Q1FY26Q2FY26Q3FY26Q4FY2661,06359,65262,43065,96269,947 Wholesale Banking Business (2) Building sustainable Liability Book
✓vESBANK
• Comprehensive product suite for Corporates &
Conglomerates
• API Banking, Phy-Gital cash mgt, Trade EX-IM,
Supply Chain Finance, EEFC, GIFT City, Trust & CSR accounts, Liquidity Solutions, POS, UPI, BBPS, PG etc.
Commercial & Corporate Banking
Financial Institutions
• Custody Fund Accounting for MF, AIF, PMS clients; PCM • Capital Market Ecosystem – Brokers–POA–BTI link • X-Border : Exchange Houses / PA-CB • Financial Institutions – Insurance, MF, NBFCs, Broking • NBFCs – Escrows, SmartPay, BBPS, Payments, • Co-operative Banks – CTS, CPS etc
• Agency Banking (Tax Payments) • 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)
Government
Banking
CASA
Multinational
Companies
• Across spectrum – Marquee, Growth & New
set-ups
• Supply Chain, Term Deposits, FX, Retail
Solutions
• Digital & Transaction Banking solutioning
• Digital & Transaction Banking solutioning • Fiduciary solutioning for regulated entities / PAs • Partnership with Digital Platforms for Co-
origination of select Bank Products
• Preferred Bank for Unicorns / Soonicorns
New Economy
Corporates
Channels &
Connected
Banking
• Banking as a Service (YES Connect/SmartPay) • Banking as a Platform (IRIS Biz, Trade &
•
Supply Chain) Intensified engagement with Financial Sponsors - PE/VC/ Legal Firm CAs/Consulting Firms
34
Large Corporates
✓vESBANK
Strategic Pillars
Focus Sectors
Product Capabilities
focus on
Growth through new client acquisitions as well as deepening in existing clients High improving relationship returns through uptiering positioning and multiproduct offering Robust risk managements and granular growth focus
• Renewable Energy • Electric Mobility • EPC & Infra (Roads, Ports) • Auto & Auto Ancillaries • Electronics & Electricals • Food & Agri • Power Transmission
• Metals & Mining • Logistics &
Warehousing
• Data Centre • Hospitality • Healthcare & Pharma • Real Estate • Cement
Full-Suite Product Coverage Lending
................................................... -.
Working Capital
1 ................................................... j t ................................................. J Loan Syndication l ................................................... J
Project Finance .-.................................................. .
Term Loan [ .................................................. ..1 .................................................... .
Real Estate 1 .................................................. ...1 FCY/ Overseas Financing [ .................................................. ..1
Key Differentiators & Strengths
Portfolio Quality & Risk Management
relationship capital: 360 degree
Strong coverage of Corporate relationships Project Finance: Deep sectoral knowledge based underwriting Customised solutions addressing specific client needs Originate to Distribute: underwriting of funding transactions with focus on distribution Comprehensive product suite
•
Disciplined underwriting with emphasis on high- quality sponsors and strong credit structures
• Well diversified large corporate portfolio post-sanction monitoring •
Proactive portfolio reviews and early risk identification Strict standards to maintain portfolio hygiene
•
through
.....................................................
Transaction Banking
Trade Finance 1 .................................................. ...1
Escrow / TRA
l .................................................. J
. -.................................................. . Cash l. ................................................. .J Management Supply Chain t ................................................. .J Finance
Custodial l .................................................. .J Services
.................................................... .
Financial Markets
.-.................................................. .
FX & Derivatives l. ................................................. .J
DCM / Bonds l. ................................................. .J
Employee Salary Accounts
•
•
•
•
•
•
•
•
Serving corporates with revenues more than Rs 1,500 Cr | Pan India Presence through 9 Major Locations
35
Financial Institutions
✓vESBANK
Non Banking Financial Company • • •
Sustainable asset book building in well rated/ retail focused NBFC’s Priority Sector Lending 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
1'
International Banking • • •
Relationship building with International Banks and 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
36
Multinational and New Economy Corporates
✓vESBANK
•
• •
• • •
Digital and Transaction Banking Solutions Supply Chain financing Salary Account, Credit Cards & Retail Assets Fx Flows and FDI Assets and Liabilities Lifecycle Banking
Marquee MNCs
Growth MNCs
New Entrants
• •
•
•
Preferred bank for Unicorns, Soonicorns Superior digital and Transaction Banking offerings
24x7 Transaction processing at Scale with high success rate Sector alignment Superior Digital & Transaction Banking offering
Customized & Exhaustive Product Suite for • • •
Payment Aggregators Non Bank PPIs Digital lenders and LSPs
Unicorns/ Soonicorns
Fintechs
Regulated Entities
• • • •
Funnel for Episodic & annuity leads FEMA Advisory Fx Flows Custody services & Capital Markets
Financial Sponsors
E commerce Marketplaces
•
Industry specific & fully compliant Escrow offering for handling fiduciary money for E-Commerce Marketplaces
Liabilities
Technology Banking
Ecosystem 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
• • • • • • •
• • •
Locations covered
Mumbai MMR Delhi NCR Pune Bengaluru Chennai Hyderabad Kochi
• • • • • • •
Ahmedabad Kolkata Jaipur Lucknow Indore Vadodara Chandigarh
Knowledge Banking
FEMA Advisory Fiduciary Services Dedicated advisory unit with focus on Food & Agri, Electric Vehicles, Electronics, Urban Infrastructure
37
Government Banking
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
✓vESBANK
Performance & Delivery
Quick Turnaround in Solution Identification, Customisation & Implementation
Pan-India Coverage
Banker to majority CPSUs pan India for Asset & Liabilities. 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
Relationships
Product
Knowledge
E -Governance
Presence of GB Team in 37 cities and amplified by Branch led sourcing of Govt. accounts at all Yes Bank Branches Pan-India
Relationship Mgmt. With Central & State Government, Local & Quasi government, CPSUs & State Development Authorities
Innovative bank owned Innovative Solutions Digitization at the Core
Settlement Banker to Central & State Government initiatives
Knowledge Engagement in Urban Infrastructure including e-mobility & start-up incubation through CGA1 and Agriculture & Allied Sectors through FASAR2
One-stop solution for a One-Stop solution for wide range of Government Sector Services
1 CGA: Corporate & Government Advisory 2 FASAR: Food & Agribusiness Strategic Advisory & Research
38
Commercial Banking
✓vESBANK
fl
Growth led by NTB and X-sell - higher wallet share and productivity
ltl
Knowledge Sectors – Pharma, Chemicals, Auto ancillary, Logistics, Metals
Leverage anchor-led ecosystems (dealer/ distributor financing)
Strong coverage – presence in 62 key locations
TI_
I
Laser Sharp focus on portfolio quality
Sustainable growth in fund- based book - Increase Term Loan share
Increase Fee contribution through Augmenting credit & non-credit Trade/ CMS income. Focus on digital channels like Trade On Net, Digital Banking, API integration. Using FASAR & Treasury capabilities
Digital interface specifically curated for Supply Chain business
Customers provide a multiplier effect for Branch Banking offerings - Employee Salary Accounts, Wealth Management, Credit Cards
39
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
40
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
41
IFSC Banking Unit - GIFT City Global gateway for financial and investment activities
✓vESBANK
YES BANK was the First Bank to establish IFSC Banking Unit at GIFT City offering a comprehensive range of Wholesale & Retail products in multiple currencies
Key Offerings geared to assist Corporate, Retail, Financial Markets, Startups & Fintech Ecosystem
Corporate Banking
Retail Banking
Financial Market
Fintech & Startups
a~
External
Buyer’s Credit
Commercial Borrowings
Term Loans/ Demand Loans
~-
Term Deposits
Non-Fund Facilities – LC,
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Export Bill Discounting/ LC Backed Discounting
FCY denominated Savings
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Escrow Services
0
Remittance Settlement Services
Term Deposits
Digital Banking Services
SWAPS
DERIVATIVES
Derivative
Digital Banking Services
0
Trade & Remittances
Digital Banking Services
0
Remittances
■ II
Options
Virtual Account Management System
42
Knowledge Banking & Advisory Leveraging knowledge as a competitive differentiator
✓vESBANK
Corporate & Government Advisory, Food & Agri Strategic Advisory & Research, Macro Economic Research
• Teams with industry specific knowledge & expertise in E-mobility, Electronics Value Chain, New Energy, Urban Infrastructure, Food & Agri, Economy • Knowledge events and Government/ Private sector knowledge sharing engagements
-
Government
~ aaa aaa ,ana, Private Sector
Knowledge backed client outreach
Thought Leadership Events
• Visioning, Policy & Program Development,
Investment Promotion
• Strategic Roadmaps, Financial Impact Evaluation
• Strategic and project advisory
• Advisory to evaluate and apply for Government Incentive Schemes (PLIs, ECMS, SAMPADA, AHIDF, SPECS, PM eBus Seva, CITIIS 2.0, State Investment Schemes)
• Sharing sectoral trends and market information
• Sharing views on economy, currency & interest
rates to enable decision making
Co-create & knowledge partnership
• Knowledge partnerships & publications with
Government Bodies & Industry Associations
• APEDA, FICCI, AMCHAM, CII, Automotive Component Manufacturer’s Association (ACMA), Indian Dairy Association (IDA), Grain Ethanol Manufacturer’s Association (GEMA)
• Authored articles for leading publications
Publish sector focused reports
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
43
Digital and Transaction 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 (57.0% market share) #2 Payer PSP (36.1% market share ) 1
“#1 Acquiring AePS Bank: Powering ~26.9% of all AePS Txns via ~682 K+ partner outlets2
99% 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 & 20% market share1. #2 in NACH with 16% market share1
50+ partners integrated real time leads mobilization
96% Individual SA & 89% 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 ) Account Aggregator (Data Sharing Consent Layer), ULI (Unified Lending Interface)
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.
- 96%5 of CA is embedded with Digital & Transaction Banking Product & Solutions
~83%5 of CA has 2+ PPI*
~99%5 of all Lending Clients having CA have 1+ TB** Product Embedment
Future ready for both BaaS & BaaP Models 3
- Through ‘Digitization’ of internal processes
~4% Market Share in LRS7, ~11% share in RDA7
Drive Cost Reduction & Productivity Improvement
52% growth in BBPS YoY6
Better Mind Share & Wallet Share
Lower Acquisition, Txn and Servicing Cost
Scale and Profitability
1 Industry Source: RBI Payment System Indicators & NPCI for Feb‘26 2 As of Mar 31, 2026 4 Including Assisted Journeys * PPI - Product Penetration Index; ** TB - Transaction Banking
3 BaaS: Banking as Service, BaaP: Banking as Product
5 Nos for YTD Feb’26; 6 Q4 25-26 v/s Q4 24-25 7 LRS -Nos for YTD Jan ’26; RDA - Nos for YTD Dec ’25
44
Transaction Banking Comprehensive product proposition with market leadership in Digital products ✓vESBANK
Full Spectrum Banking across Industry Segments
Cash Management
Trade Finance
Channel
Products
Fiduciary Services
Government
Non-Fund
Fund
Flow
Digital
Specialized
API Banking
Remittance
E-Payments
Capital Markets
PFMS – Fund Flow
Corp Net Banking/ H2H
E-Collect
Cash Pickup
Escrow services
E-tendering
IRIS Biz (Super APP)
NACH (Collection)
Co-operative Bank (CTS/ CPS)
Custody/ Settlement banking
Agency Banking
Statutory/ Tax Payment
Cheque Clearing
Bank as a Payment Aggregator
CSGL
GeM
Smart Pay (Collection)
Expense Management
Banking as a Service
Issuer & Paying Agent
Scheme Mgmt/ SNA
Guarantee
Export Credit (Pre/Post)
EXIM flows
Digital Trade
Current/ Capital account Flows
Letter of Credit LCBD (Dom/Exp)
EEFC/ ACU/ VOSTROs
Digital Supply Chain
Currency Imports
SBLC
Off Balance Sheet Solution
Remittances
EX-IM Solutions
Trade Credit
Invoice Financing
Project Exports
TReDS
Risk Participation
Supply Chain Finance
Project office & Branch office Flows
Outward LRS
IFSC IBU
FEMA Advisory
Bullion
45
IRIS A Next Gen ‘all-in-one’ retail SUPER APP
✓vESBANK
250+ Features live on IRIS
44%
55%
72%
~ 1.9 Lakh
App Ratings
46 Lakhs
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Monthly Active Customers
Contribution to total MF purchases
Contribution to total CC EMI conversions
Service Requests processed daily
4% ▲ (Q-o-Q)
~9 logins per month per active user
24% ▲ (Q-o-Q) by Value
13%▲ (Q-o-Q) by Count
93% Service Requests processed via IRIS
Payments | Deposits | Loans | Credit Cards | LRS | Travel Cards | Investments & more..
Invest in FD with zero hassle
Primary channel for CC EMI sourcing
Invest in your future via Mutual Funds
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IRIS Biz A Next Gen ‘all-in-one’ Business SUPER APP
✓vESBANK
100+ Banking Features across Web & Mobile Payments | Collections | Trade Finance | Supply Chain | Business Loans | Liquidity Mgmt | more..
4.5 Lakhs +
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YES PAY NEXT A Next Gen ‘UPI’ Payment App
✓vESBANK
UPI Payments | Bill Payment & Recharge | UPI Lite | Autopay Available in 2 languages | Gift cards, Vouchers & more...
58 Lakhs +
Registered customers
11%
Quarterly Growth in User Base
App store ratings
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Top plugin partners - Swiggy | Zerodha Coin |Annapurna Finance | Apollo Pharmacy
Simplified Dashboard
Quick & Secure Merchant Payments
UPI Lite –Auto top- up
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Zero Platform fee on Bill Payments
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YES Pay Biz One Stop Solution for Merchants
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API Banking Strategy : Enriched Customer Experience
✓vESBANK
API’fication of our Marketplace model (YES BANK + Partner Offerings)
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Partner Services
►
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.)
50
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
▪ Phygital a/c opening
& Asset products
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force
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▪ FinTech Partnership & integration
Quantum Force Multiplier for Inorganic Client Acquisition across…
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Powering Digital India with our Distinctive Capabilities
✓vESBANK
#1 UPI Payee PSP Bank Powering ~ 400 mn txn daily
#2 UPI Payer PSP Bank Powering ~250 mn txn daily
% Credit Cards Issued Digitally1
CAGR 28% (Q4FY22-Q4FY26)
CAGR 46% (Q4FY22-Q4FY26)
CAGR 10% (Q4FY22-Q4FY26)
57%
55%
54%
55%
57%
39%
35%
32%
33%
32%
30%
27%
40%
38%
34%
36%
% CC Issued Digitally
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Q4FY22 Q4FY23 Q4FY24 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Jan-Feb'26
Q4FY22 Q4FY23 Q4FY24 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Jan-Feb'26
34
36
32
35
20
18
18
20
15
UPI Payee PSP transactions
UPI Market Share
UPI Payer PSP transactions
UPI Market Share
1 Includes offline assisted journeys
~More than 3X growth in CMS Throughput Since Mar’22
Steady Market Share #2 in NACH
Ranked #1 in AePS Transaction Count
CAGR 41% (Q4FY22-Q4FY26)
CAGR 51% (Q4FY22-Q4FY26)
96%
97%
98%
98%
99%
99%
79%
68%
150%
130%
110%
90%
70%
50%
30%
10%
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40
35
30
25
20
15
10
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4 3
5 3
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15%
15%
15%
15%
15%
16%
10%
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6 3
1 7
9 7
5 7
0 8
5 8
8 5
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66
56
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100
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Q4FY22 Q4FY23 Q4FY24 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26
NACH (Transactions, Mn)
NACH Market Share
AEPS (Transactions, Mn)
AEPS Market Share
-
-
40.0%
35.0%
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
52
UPI – Unified Payments Interface; PSP – Payment Service Provider; NACH – National Automated Clearing House; CMS – Cash Management Services. Industry data for Mar’26 is not yet updated
on the NPCI and RBI websites.
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.
Key Features
Direct Integration for YES BANK Net Banking Channels. (Retail, Corporate and Iris Biz)
Integrated with YES SMARTPAY (Collection Suite) for Multiple payment modes via Payment Gateway.
( ___ )( __ _
Integrated flow for OTC (Over the Counter) collections at YES BANK Branches.
Integrated with eKuber 2.0 for automated regulatory reporting
Central Mandates
4 central empanelment received
Live for GST, CBDT, CUSTOMS & EPFO
GOODS AND SERVICES TAX (GST) Launched on 13th March’25 Live on – Net Banking and OTC
DIRECT TAX (TIN 2.0) Launched on 27th June’25 Live on – Net Banking and OTC
To know more Scan QR
To know more Scan QR
29K Plus Active Customers
22% Vol growth In Q4 vis-à-vis Q3 for FY26
1 FY’26 vs FY25,
36K Plus Active Customers
15% Vol growth In Q4 vis-à-vis Q3 for FY26
CUSTOMS & EXCISE
Employees' Provident Fund Organization (EPFO)
Launched on 3rd June’25 Live on – Net Banking
1300 Plus Active Customers
To know more Scan QR
33% Vol growth In Q4 vis-à-vis Q3 for FY26
Launched on 9th June 2024
Live on – YES BANK channels
7K Plus New Clients
State Mandates
10 State empanelment received
Live -Assam, Telangana & Meghalaya
> 57K active customers
32%1 growth in total Tax payments 46%1 growth in direct taxes 30%1 growth GST payments 75%1 growth EPFO
in
in
53
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
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 Indian Bank to publish enhanced disclosures in line with TCFD recommendations. Vice-chair of PCAF India Chapter
Green Deposit: Launched Green Deposits (deployed INR 6.59 Crs out of INR 7.45 Crs raised, towards clean transportation)
~----------------------------------- 1 I I I I
Environmental management System: 13 years of ISO 14001 certified EMS, 103 new facilities certified in FY 2025-26 – total 1,289 facilities certified – highest in BFSI sector globally
I '-----------------------------------~
Financial inclusion: 6.92 lakh active women customers in rural India under YES Microfinance programme in FY 2025-26
Community development: >100,000 youth, farmers, women and artisans impacted through YES Foundation’s employability and entrepreneurship programmes (as of March 31, 2026)
Agroforestry: >600,000 through YES Foundation’s agroforestry initiative, enhancing green cover and supporting sustainable livelihoods of farmers (as of March 31, 2026)
trees planted
Governance
Board independence: 50% of the Directors on the Bank’s Board are Independent Directors
~
Board diversity: 14% of Directors on the Bank’s Board are women
✓vESBANK
Performance on ESG Ratings
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S&P Global
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FTSE4 Good
I \ I \ '7-✓ / ,., ..... ,
MSCI
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Highest score amongst Indian Banks in the S&P Global Corporate Sustainability Assessment (CSA) 2025*
Included in FTSE4Good Index Series for the third consecutive year (2023, 2024, 2025)
Index Constituent of MSCI ACWI’s Low Carbon Leaders Index, ACWI Climate Change Index, among others
*S&P Global Corporate Sustainability Assessment (CSA) 2025 - YES BANK achieved a CSA Score of 79 (out of 100) and ESG Score of 79 (out of 100) as of November 07, 2025.
**Figures on this slide are unaudited and subject to change
54
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
Vinay M. Tonse1 Managing Director & CEO
Rajan Pental Executive Director
Manish Jain Executive Director
Sanjay Kumar Khemani
Independent Director
Sadashiv Srinivas Rao Independent Director
Rajeev Veeravalli Kannan Non-Executive and Non- Independent Director (Nominee of Sumitomo Mitsui Banking Corporation)
Shinichiro Nishino Non-Executive and Non- Independent Director (Nominee of Sumitomo Mitsui Banking Corporation)
Thekepat Keshav Kumar Nominee Director of State Bank of India, (Non-Executive and Non-Independent Director)
D. Shivakumar Non-Executive and Non- Independent Director (Nominee of Verventa Holdings Limited)
1 Assumed charge as MD & CEO on April 6, 2026
55
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
Nitu Agarwal
General Counsel
Sanjay Abhyankar1 Company Secretary
Anantharaman S2 Chief Risk Officer (Joined 1-Apr-26)
Rajat Chhalani3 Chief Compliance Officer
Kapil Juneja3 Chief Internal Auditor
* Assumed charge as MD & CEO on April 6, 2026
Vinay M. Tonse* (Managing Director & CEO)
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
56
Leadership Development
Knowledge Management
DE&I Initiatives
Strong people focus: Stable leadership with focus on up-skilling talent, objective performance management & enabling employee flexibility
Strengthen leadership and behavioral capabilities for high performance.
•
Leadership Development & Future-Ready Talent: As part of our continued commitment to investing in our people, the Bank strengthened its leadership development agenda last year, helping build a deep, future-ready leadership bench and reinforcing a culture of continuous learning and professional growth.
✓vESBANK
• Management Development Programs: Senior team members participated in Management Development Programs conducted in
partnership with some of the country’s most prestigious institutions, including IIM Lucknow, MDI Gurgaon, and SPJIMR
Grades2
Q4FY261
Q3FY26 Q4FY25
Promote continuous learning through targeted capability building
• Pitch Pro: An AI-powered learning platform offering personalized, interactive practice to help Retail Banking employees improve pitching, product explanation, objection handling, and overall confidence through private, pressure-free simulations
• Digital Personal Data Protection Act (DPDPA): Multiple sessions were conducted for Compliance and AML teams to strengthen understanding of DPDPA principles, day-to-day data-handling responsibilities, and ways to prevent data breaches, misuse, and non-compliance risks
G1 to G3
273
283
315
• Branch Banking Excellence Program: Continued delivery of curated workshops for Retail Banking executives focusing on
digital frauds, Money Mule accounts, and Customer Service
• UN SDG Alignment: All learning initiatives are now mapped to one of the 17 UN Sustainable Development Goals, reinforcing
our commitment to sustainability and responsible learning
Foster a culture of inclusion and belonging through strong governance and empowered communities • Women Leadership Program – LeadHership: A three-month hybrid development journey, launched with Jombay, designed to strengthen leadership skills for select women leaders, which included 45 nominations, through assessments, masterclasses, group connects, mentoring, digital learning etc
• Unburden – Women’s Day Workshop: A series of initiatives celebrating and empowering women colleagues through
webinars and in-person sessions, including Financial Wellness for Women and Unburdened: A Women’s Day Reset
• DEI to DEIB Transition: Evolved the Diversity, Equity & Inclusion framework to explicitly integrate Belongingness as a core
cultural pillar
• DEI Charter: Rolled out a structured charter with five strategic pillars, each supported by dedicated working groups for
accountability and execution
• Women’s ERG – Yes for Her: Launched a sustained employee resource group focused on peer networking, development
opportunities, and senior leader engagement
•
International Women’s Day: Celebrated enterprise-wide under the theme Give to Gain, featuring senior leader networking, storytelling platforms, and cultural engagements
Enhance engagement through inclusion and holistic well-being
G4 to G6
3,519
3,552
3,645
G7 to G12
25,781
25,336
24,727
Total
29,573
29,171
28,687
Total headcount of 29,577 with a net addition of 887 staff over the headcount of March 31, 2025
1 Data as March 31, 2026.
2 The data excludes MD & CEO and Executive Directors
Employee Engagement
• Wellness Webinar: Continued focus on employee well-being through a cancer-awareness webinar covering early detection,
common symptoms, and preventive measures
•
Inter-corporate Sports championships: Employees actively participated in multiple inter-corporate tournaments—Cricket, Basketball, Throwball, Volleyball, and Football—demonstrating strong teamwork and competitive spirit, and earning several accolades for the Bank
57
Credit Rating
International Rating
Moody's Investors Service
Long-term
Ba2
Outlook
Short-term
Stable
Not Prime
Key Elements Driving Rating Changes
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Domestic Rating
Basel III Tier II & Infra Bonds (Long-term)
Outlook
Short-term
CRISIL
ICRA
India Ratings
CARE
AA-
AA-
AA-
AA-
Stable
Stable
Stable
Stable
A1+
A1+
• Strategic Investment & Governance
• Robust capitalization
•
Improved Liability Profile
• Enhanced Asset Quality
• Sequential Expansion of Profit
• Granular Business Mix
2025
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
ICRA & CARE Upgrades Basel III Tier II & Infra Bonds to AA-
2025
u
As on May 2025
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+
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
2020
u
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
58
Awards & Accolades
A reflection of YES BANK's commitment to excellence
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I Fra ud & C .-cd ic Ri s k M a n age m ent Smn1:nit & AWARDS 2025
YES BANK has been honoured with the
YES BANK Shines at
YES BANK Wins
ET Now Champions of CSR Award
ET Entrepreneur Awards 2025 for YES Business (IRIS Biz)
ICAI Award for Excellence in Financial Reporting
YES BANK Honoured with the Prestigious
People Matters Award – SILVER for Learning Impact on Business Transformation
YES BANK Honoured for
Excellence in Fraud Awareness & Education
✓vESBANK
Thank You
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.