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INVESTOR PRESENTATION Q2FY27 Financial Results October 17, 2026
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Supreme Court Judgement on AT-1 Bonds ▪ The Hon’ble Supreme Court, vide its judgment dated October 15, 2026, upheld the Bombay High Court judgment relating to the write-down of the Bank’s Additional Tier 1 Bonds (AT1) aggregating INR 8,415 Crs and dismissed the appeals filed in the matter ▪ The Bank respects the judgment and is evaluating the consequential actions, implementation requirements, financial and regulatory implications, and available legal remedies ▪ Pending completion of this assessment and determination of the appropriate accounting treatment, no impact arising from the judgment has been recognised in the reported Q2FY27 financial results ▪ For information and transparency, the table below presents the Bank’s indicative and unaudited key pro forma financial parameters, assuming the estimated financial impact as at September 30, 2026 1 2 2 2 Particulars- Q2FY27 As reported Pro-forma1 Net Profit 1,080 (5,217) CET-1 % 13.7% 11.4% RoA 0.9% -4.3% All amounts in INR Crs 1 The pro forma estimates are subject to revision based on the consequential actions, further legal assessment and final accounting and regulatory treatment.
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Financial Results – Q2FY27 YES BANK Franchise Contents 3
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Results At a Glance – Q2FY27 All amounts in INR Crs 1 Includes Limit Setup for Micro Enterprise Banking 2 Includes Profits for the period 3 excludes FCTL 4 90.4% Q1FY27 84.5% Q2FY26 CASA Ratio 30.0% 32.7% Q1FY27 33.7% Q2FY26 NIM% 2.6% 2.7% Q1FY27 2.5% Q2FY26 C/I Ratio 64.3% 62.8% Q1FY27 67.1% Q2FY26 Advances 309,510 8.6% : Q-o-Q 23.7% : Y-o-Y Operating Profit 1,678 (1.5)%: Q-o-Q 29.4% : Y-o-Y RoA CET 1 Ratio2 13.7% GNPA 1.2% NNPA 0.2% Non-Interest Income 1,882 4.7%: Q-o-Q 14.4%: Y-o-Y 14.0% Q1FY27 13.9% Q2FY26 1.3% Q1FY27 1.6% Q2FY26 0.2% Q1FY27 0.3% Q2FY26 Profit After Tax 1,080 0.8%: Q-o-Q 65.0% : Y-o-Y 1.3% 1.4%:Q1FY27 2.0% Q2FY26 v/s. v/s. v/s. v/s. v/s. v/s. v/s. Total Assets 513,770 11.2% : Q-o-Q 19.8% : Y-o-Y Arrows indicative of Y-o-Y trends Slippage Ratio Net Interest Income 2,822 1.3%: Q-o-Q 22.7% : Y-o-Y CD Ratio 87.4% Advances Mix3 45%:25%:30% 45% : 24% : 31% in Q1FY27 48% : 25% : 27% in Q2FY26 v/s. Deposits 354,004 12.2% : Q-o-Q 19.5% : Y-o-Y Disbursement1, 3 36,773 33,945: Q1FY27 24,507: Q2FY26 0.9% 0.9% Q1FY27 0.6% Q2FY26 v/s. Retail: Commercial: Corp. & Inst. Banking (CIB) v/s.
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 ▪ Advances at INR 3,09,510 Crs, up 23.7% Y-o-Y; Normalised for FCTL1 related to FCNR (B) 2, Advances growth at 17.6% Y-o-Y and 3.2% Q-o-Q • Q2FY27 disbursements at INR 36,773 Crs (ex. FCTL), grew 50.0% Y-o-Y and 8.3% Q-o-Q • Commercial Banking Advances growth at 20.2% Y-o-Y and 7.6% Q-o-Q • Corporate & Institutional Banking advances also posted growth of 31.4% YoY (flattish Q-o-Q) • Retail Banking advances growth at 8.7% Y-o-Y; Retail Assets disbursements delivered 35.0% YoY growth ▪ Deposits at INR 3,54,004 Crs, up 19.5% YoY and 12.2% Q-o-Q, partly aided by FCNR (B). On AQB4 basis, Deposits grew at 22.1% Y-o-Y and 8.0% Q-o-Q • Retail & Branch-led Deposits stood at INR 2,07,985 Crs, grew 20.9% YoY, and comprised 58.8% of Total Deposits • FCNR (B) mobilization during the RBI concessional swap window3 aggregated to INR 18,575 Crs (~US$ 1.94 bn) • CASA Deposits at INR 1,06,175 Crs grew 6.5% Y-o-Y; on an AQB4 basis, CASA growth was at 15.5% Y-o-Y • CA deposits registered 7.4% YoY and 5.6% Q-o-Q growth (AQB4 growth at 21.8% Y-o-Y) • SA deposits grew 5.8% YoY (AQB4 growth at 11.6% Y-o-Y and 2.1% Q-o-Q) Balance Sheet Highlights for Q2FY27 (1) Advances & Deposits 1 Foreign Currency Term Loans; 2 Foreign Currency Non-Resident (Bank) Deposit; 3 Introduced vide RBI Circular FMOD.MAOG.No.S-56/01.06.016/2026-27 dated June 8, 2026, read with RBI Press Release dated August 14, 2026; 4 Avg. Quarterly Balance 5
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 ▪ Asset quality stable during the quarter • Gross Slippages1 for Q2FY27 were INR 1,035 Crs (1.3% of Advances), v/s. INR 964 Crs (1.4%) in Q1FY27, and INR 1,248 Crs (2.0%) in Q2FY26 • Net Credit Costs at 0.3% of Avg. assets for the quarter v/s. 0.4% in Q2FY26 and 0.3% in Q1FY27 • GNPA ratio at 1.2% compared to 1.6% in Q2FY26 and 1.3% in Q1FY27; Net NPA ratio at 0.2% v/s. 0.3% in Q2FY26 and 0.2% in Q1FY27 • NPA Provision Coverage Ratio (PCR) at 80.5% v/s. 81.0% in Q2FY26 and 81.7% in Q1FY27 • Retail Slippages1 at 2.7% of Retail Advances v/s. 4.0% in Q2FY26 and 2.7% in Q1FY27 • Recoveries & Upgrades for Q2FY27 at INR 954 Crs, incl. P&L gain from Security Receipts of INR 395 Crs for Q2FY27 ▪ PSL shortfall led Deposits (incl. RIDF) reduced by 23.0% Y-o-Y and 5.8% Q-o-Q, to INR 25,844 Crs (at 5.0% of Total Assets) ▪ CET-I Ratio at 13.7% v/s. 14.0% in Q1FY27 and 13.9% in Q2FY26. Capital Position remains well above the minimum regulatory requirements. The Bank is evaluating various options to further strengthen its capital buffers, to support future growth and progressively align capital levels with peers. 1 Annualized & expressed as % of period end balance 6 Balance Sheet Highlights for Q2FY27 (2) Asset Quality, RIDF and Capital Position
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 P&L Highlights- Q2FY27 ▪ Net Profit for Q2FY27 at INR 1,080 Crs up 65.0% Y-o-Y; • RoA1 at 0.9% for Q2FY27 v/s. 0.6% in Q2FY26 and 0.9% in Q1FY27 • Q2FY27 Operating Profit at INR 1,678 Crs up by 29.4% Y-o-Y • Q2FY27 NII at INR 2,822 Crs up 22.7% Y-o-Y and 1.3% Q-o-Q • NIM at 2.6% v/s. 2.5% in Q2FY26 and 2.7% in Q1FY27 • Cost of Funds at 5.7% v/s. 6.0% in Q2FY26 and 5.7% in Q1FY27, Cost of Deposits at 5.5% v/s. 5.7% in Q2FY26 and 5.4% in Q1FY27 ▪ Q2FY27 Non-Interest Income at INR 1,882 Crs up 14.4% Y-o-Y and 4.7% Q-o-Q; Core Fees growth at 15.5% Y-o-Y ▪ Cost to Income Ratio at 64.3% for Q2FY27 v/s 67.1% in Q2FY26 ▪ Q2FY27 Non-Tax Provision Costs at INR 317 Crs, at 0.3% of Avg. Assets for the quarter ▪ P&L gain from Security Receipts of INR 395 Crs in Q2FY27; H1FY27 aggregate P&L Gains from SRs at INR 481 Crs 1 2 7 1 Annualized 7
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 ▪ Net Profit for Q2FY27 at INR 1,080 Crs up 65.0% Y-o-Y & up 0.8% Q-o-Q ▪ Operating Profit for Q2FY27 at INR 1,678 Crs up 29.4% Y-o-Y & down 1.5% Q-o-Q ▪ Q2FY27 NII at INR 2,822 Crs up 22.7% Y- o-Y & 1.3% Q-o-Q ▪ NIM at 2.6% v/s. 2.5% in Q2FY26 and 2.7% in Q1FY27 ▪ Non-Interest Income at INR 1,882 Crs up 14.4% Y-o-Y & 4.7% Q-o-Q ▪ Operating Costs (Opex) at INR 3,026 Crs up 14.2% Y-o-Y & 5.1% Q-o-Q. ▪ Cost to Income Ratio at 64.3% for Q2FY27 v/s 67.1% in Q2FY26 and 62.8% in Q1FY27 ▪ Provision Costs (non-tax) at INR 317 Crs for Q2FY27- at 0.3% of Avg. Assets ▪ P&L gain from Security Receipts of INR 395 Crs in Q2FY27 Profit and Loss Statement All amounts in INR Crs 8 Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y Net Interest Income 2,822 2,786 2,301 1.3% 22.7% Non Interest Income 1,882 1,798 1,644 4.7% 14.4% Total Income 4,704 4,584 3,945 2.6% 19.2% Operating Expenses 3,026 2,880 2,649 5.1% 14.2% Human Resource Cost 1,164 1,141 1,007 2.0% 15.6% Other Operating Expenses 1,862 1,740 1,642 7.0% 13.4% Operating Profit/(Loss) 1,678 1,704 1,296 -1.5% 29.4% Provisions 317 394 419 -19.5% -24.2% Profit Before Tax 1,360 1,309 878 3.9% 55.0% Tax Expense 280 238 223 17.6% 25.7% Net Profit / (Loss) 1,080 1,071 654 0.8% 65.0% Yield on Advances 8.9% 9.1% 9.5% Cost of Funds 5.7% 5.7% 6.0% Cost of Deposits 5.5% 5.4% 5.7% NIM 2.6% 2.7% 2.5% Cost to Income 64.3% 62.8% 67.1% Profit and Loss Statement Quarter Ended Growth
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 • Non-Interest Income at INR 1,882 Crs up 14.4% Y-o-Y and 4.7% Q-o-Q • Interest on Income Tax refunds for Q2FY27 at INR 76 Crs accounted in Non- Interest Income • Core Fees for Q2FY27 at INR 1,726 Crs, up 15.5% Y-o-Y & 14.6% Q-o-Q • Share of Retail Segment in Core Fees for Q2FY27 at 57.2% • Loan Processing fees- up 16.8% Y-o-Y and 30.2% Q-o-Q, aided by sustained momentum in disbursements (up 50.0% Y- o-Y), including in Retail segment (up 35.0% Y-o-Y) and FCTL disbursements • Card Product fees grew 26.6% Y-o-Y & 11.8% Q-o-Q Break Up of Non-Interest Income All amounts in INR Crs 1 9 Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y Non Interest Income 1,882 1,798 1,644 4.7% 14.4% Of which Treasury gains / Interest on Tax Refunds 156 292 151 -46.6% 3.5% Core Fees 1,726 1,506 1,494 14.6% 15.5% FX Income 247 249 234 -0.6% 5.4% Trade & CMS 341 297 282 14.9% 21.1% Third party Product (INS/INV) 249 178 246 39.8% 1.2% Loan Processing Fee & Prepayment Charges 305 235 261 30.2% 16.8% Card Product fees 325 291 257 11.8% 26.6% General Banking & Others 258 257 213 0.4% 21.1% Proportion of Retail in Core Fees 57.2% 53.7% 55.5% Break up of Non Interest Income Quarter Ended Growth 1 1 includes income towards FCTL for Q2FY27
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 • Operating Costs (Opex) at INR 3,026 Crs up 14.2% Y-o-Y & 5.1% Q-o-Q • C/I for Q2FY27 at 64.3% (v/s.67.1% in Q2FY26) and 62.8% in Q1FY27 • Opex to Avg. Assets stable at 2.5% • Opex in Q2FY27 includes: ▪ INR 51 Crs of Commissions on Foreign Currency Borrowings linked to FCNR (B) mobilization (part of Business Vol. linked cost) ▪ INR 20 Crs of Marketing expenses towards sponsorship for the Asian Games (part of ‘Others’) ▪ INR 31 Crs of increase in costs related to changes in Central and several State Wage Codes (part of Premises Cost) • IT expenses grew by 24.1% Y-o-Y but down 3.0% Q-o-Q Break up of Operating Expenses All amounts in INR Crs 10 1 1- Comparative figures have been restated for consistency Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y Manpower Cost 1,308 1,298 1,152 0.8% 13.6% Of which On Roll Staff Cost 1,164 1,141 1,005 2.0% 15.7% Business Volume Linked 802 739 737 8.5% 8.8% IT 359 370 289 -3.0% 24.1% Premises 298 261 255 14.1% 17.0% Professional Fees 53 37 60 44.2% -11.8% Others 55 25 27 119.2% 105.2% PSLC 150 150 128 0.0% 17.2% Total Opex 3,026 2,880 2,649 5.1% 14.2% Break up of Operating Expenses Quarter Ended Growth
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 • Provision Costs (non-tax) at INR 317 Crs for Q2FY27 • Provisions for Investments include: • P&L gain from Security Receipts of INR 395 Crs in Q2FY27 v/s. INR 220 Crs in Q2FY26 and INR 86 Crs in Q1FY27 • Provisions for Standard Advances higher during the quarter owing to traction in Advances growth including FCTL • Annualized Credit Costs for Q2FY27 at ~0.3% of Avg. assets • Total Recoveries & Upgrades for Q2FY27 at INR 954 Crs • RoA at 0.9% for Q2FY27.vs.0.6% in Q2FY26 and 0.9% in Q1FY27 • RoE at 8.2% for Q2FY27 v/s. 5.4% in Q2FY26 and 8.3% in Q1FY27 Provisions and P&L All amounts in INR Crs 11 Q2FY27 Q1FY27 Q2FY26 Q-o-Q Y-o-Y Operating Profit/(Loss) 1,678 1,704 1,296 -1.5% 29.4% Provision for Taxation (A) 280 238 223 17.6% 25.7% Non Tax Provisions (B) 317 394 419 -19.5% -24.2% Provision for Investments (395) (86) (233) 357.7% 69.6% Provision for Standard Advances / Others 271 (26) (37) NM NM Provision for Non Performing Advances 441 507 689 -13.1% -36.0% Total Provisions (A+B) 598 633 642 -5.6% -6.9% Net profit / loss after Exceptional Items 1,080 1,071 654 0.8% 65.0% Return on Assets (annualized) 0.9% 0.9% 0.6% Return on Equity (annualized) 8.2% 8.3% 5.4% EPS-basic (non-annualized) 0.34 0.34 0.21 Quarter Ended GrowthBreak up of Provisions
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 • Balance Sheet expanded by 19.8% Y-o-Y driven by growth in Advances, Investments and Deposits, and partially offset by 23.0% reduction in balances of Deposits placed in lieu of PSL shortfalls • C/D ratio at 87.4% v/s. 90.4% in Q1FY27 and 84.5% in Q2FY26; Normalised for FCTL, CD Ratio at 83.1% • Advances grew 23.7% Y-o-Y; Normalised for FCTL, Advances growth at 17.6% Y-o- Y and 3.2% Q-o-Q • Deposits grew 19.5% Y-o-Y & 12.2% Q-o-Q; FCNR (B) mobilization during the RBI concessional swap window aggregated to INR 18,575 Crs (~US$ 1.94 bn) • Borrowings increased by 25.5% Y-o-Y and 14.4% Q-o-Q, primarily led by IBU related Borrowings related to FCNR (B) mobilization • Q2FY27 disbursements at INR 36,773 Crs (ex. FCTL), grew 50.0% Y-o-Y with share of Retail disbursements at ~47% 1 Includes sanctions/ limit set-ups Balance Sheet All amounts in INR Crs 12 Balance Sheet 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % Assets 513,770 462,064 429,035 11.2% 19.8% Advances 309,510 285,118 250,212 8.6% 23.7% of which FCTL 15,215 0 0 NM NM Investments 100,355 92,738 83,204 8.2% 20.6% of which Non SLR 10,741 11,668 11,608 -7.9% -7.5% Placement in lieu of PSL Shortfall 25,844 27,449 33,557 -5.8% -23.0% Liabilities 513,770 462,064 429,035 11.2% 19.8% Shareholders Funds 53,268 52,338 49,197 1.8% 8.3% Total Capital Funds 51,591 51,228 47,941 0.7% 7.6% Deposits 354,004 315,373 296,276 12.2% 19.5% of which FCNR (B) 18,575 435 0 NM NM Borrowings 77,734 67,940 61,955 14.4% 25.5%
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Advances • Q2FY27 Advances up 23.7% Y-o-Y & 8.6% Q-o-Q • Normalised for FCTL related to FCNR (B), Advances growth at 17.6% Y-o-Y and 3.2% Q-o-Q • Retail Banking Advances up 8.7% Y-o-Y driven by disbursements growth at 35.0% Y-o-Y • Commercial Banking Advances up 20.2% Y-o-Y and 7.6% Q-o-Q • Corporate & Institutional Banking Advances up 31.4% Y-o-Y • Disbursements of INR 36,773 Crs in Q2FY27 with share of Retail disbursements at ~47% 1 Retail Banking includes Micro Enterprise Banking (MIB) erstwhile part of SME Book Break up of Advances All amounts in INR Crs 13 of which MSME advances contributing 28.8% 3 Disbursements Q2FY27 Q1FY27 Q2FY26 Q-o-Q % Y-o-Y % Retail Banking 17,391 15,005 14,077 15.9% 23.5% Commercial Banking 3,938 1,485 1,835 165.1% 114.6% Corpoarte & Institutional Banking 15,445 17,454 8,595 -11.5% 79.7% Total Disbursements 36,773 33,945 24,507 8.3% 50.1% Segmental Break up of Advances 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % Retail Banking ^ 131,252 127,147 120,802 3.2% 8.7% Commercial Banking 75,043 69,743 62,430 7.6% 20.2% Corporate & Institutional Banking 88,000 88,228 66,980 -0.3% 31.4% FCTL 15,215 0 0 NM NM Total Net Advances 309,510 285,118 250,212 8.6% 23.7% Total Net Advances [ Ex- FCTL ] 294,295 285,118 250,212 3.2% 17.6% 1
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Segmental Break up of Deposits 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % Retail & Branch Banking led Deposits 207,985 186,691 171,978 11.4% 20.9% Retail & Branch Banking CASA Ratio 36.2% 39.7% 39.6% Other Deposits 134,636 122,077 123,311 10.3% 9.2% Other CASA Ratio 23.0% 23.9% 25.6% Total Deposits 342,622 308,769 295,289 11.0% 16.0% Deposits • CASA + Retail TDs1 at 57.0% vs. 65.0% in Q2FY26 and 65.2% in Q1FY27 • Retail & Branch led Deposits CASA ratio at 36.2% ▪ Normalised for FCNR (B), Retail and Branch Banking CASA Ratio stable Q-o-Q at 39.7% • Avg. daily Retail CA for Q2FY27 grew 25.5% Y-o-Y • Avg. daily Retail SA for Q2FY27 up 13.8% Y-o-Y • Retail CASA Accounts opened: 2.35 Lakh in Q2FY27 1 Based on Balances ≤ INR 3 Crs on an Account Level; 2 Retail Banking includes Micro Enterprise Banking (MIB) erstwhile part of SME Book; 3 Excluding Certificate of Deposits; basis internal business segmentation Break up of Deposits All amounts in INR Crs 14 3 AQB Metric Bank Retail Total Deposits Y-o-Y 22.1% 19.0% CA YoY 21.8% 25.5% SA YoY 11.6% 13.8% Break up of Deposits 30-Sep-26 30-Jun-26 30-Sep-25 Q-o-Q % Y-o-Y % CASA 106,175 103,233 99,708 2.8% 6.5% Current Account 47,170 44,682 43,912 5.6% 7.4% Savings Account 59,005 58,551 55,796 0.8% 5.8% CASA Ratio 30.0% 32.7% 33.7% Term Deposits 247,829 212,140 196,568 16.8% 26.1% of which FCNR (B) 18,575 435 0 NM NM Certificate of Deposits 11,382 6,604 987 - - Total Deposits 354,004 315,373 296,276 12.2% 19.5%
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 GNPA (%) GNPA (%) GNPA (%) Retail Banking ^ 2,794 2.1% 2,751 2.2% 2,857 2.4% Commercial Banking 497 0.7% 492 0.7% 711 1.1% Corporate & Institutional Banking 584 0.7% 462 0.5% 487 0.7% Total 3,875 1.2% 3,705 1.3% 4,055 1.6% 30-Jun-26 30-Sep-26 Opening Additions Upgrades Recoveries Write Offs Closing Retail Banking ^ 2,751 891 172 218 458 2,794 Commercial Banking 492 21 4 12 0 497 Corporate & Institutional Banking 462 123 0 0 0 584 Total 3,705 1,035 176 230 458 3,875 Movement of GNPA Movement Segmental GNPA 30-Sep-26 30-Jun-26 30-Sep-25 Asset Quality Parameters Gross NPA (%) Net NPA (%) Provision Coverage Ratio excl. Technical W/O (%) Provision Coverage Ratio incl. Technical W/O (%) 30-Sep-26 30-Jun-26 30-Sep-25 1.2% 1.3% 1.6% 0.2% 0.2% 0.3% 80.5% 81.7% 81.0% 92.7% 93.3% 92.8% • GNPA at 1.2% in Q2FY27 v/s. 1.6% in Q2FY26 and 1.3% in Q1FY27 • NNPA Ratio at 0.2% in Q2FY27 v/s. 0.3% in Q2FY26 and 0.2% in Q1FY27 • PCR at 80.5% in Q2FY27 v/s 81.0% in Q2FY26 and 81.7% in Q1FY27 • Gross Slippages for Q2FY27 were INR 1,035 Crs (1.3% of Advances), v/s. INR 1,248 Crs (2.0%) in Q2FY26, and INR 964 Crs (1.4%) in Q1FY27 • Retail Banking Slippages stable at INR 891 Crs (2.7% of Advances) v/s. INR 1,221 Crs (4.0% of Advances) in Q2FY26 and INR 843 Crs (2.7%) in Q1FY27 NPA Highlights All amounts in INR Crs 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 3 Note – ‘The Provision Coverage Ratio incl. Technical W/O’ for previous periods have been restated. The number presented above are also inclusive of Retail Segment. 1 15 2 3
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Gross Provisions Gross Provisions Gross Provisions NPA 3,875 3,118 3,705 3,028 4,055 3,284 Other Non Performing Exposures 4,096 3,462 4,296 3,654 4,789 4,137 NFB of NPA accounts 809 174 816 174 833 180 NPI 3 3 26 26 37 37 Security Reciepts 3,284 3,284 3,454 3,454 3,920 3,920 Total Non Performing Exposures 7,971 6,580 8,001 6,682 8,845 7,422 Technical Write-Off 6,521 6,521 6,412 6,412 6,577 6,577 Provision Coverage incl. Technical W/O 90.4% 90.8% 90.8% Std. Restructured Advances 219 36 229 37 271 42 Erstwhile 7 3 5 3 6 3 DCCO related - - - - 0 0 MSME 51 6 51 6 53 6 Covid 161 27 172 29 211 34 Other Std. exposures 3 1 66 23 117 41 61-90 days overdue loans 1,317 862 1,667 Of which Retail 665 687 1,134 31-60 days overdue loans 1,338 1,583 1,940 Of which Retail 1,186 1,190 1,503 Particulars 30-Sep-26 30-Jun-26 30-Sep-25 1 Prior period figures restated to include Corporate and Retail Book 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 4 Overdue loans for prior period has been restated to align with regulatory definition • Recovery, Repayments and Upgrades during Q2FY27 from Standard Restructured accounts amounted to INR 12 crs • Recoveries from Security Receipts during the quarter aggregated to INR 395 Crs • Overdue book of 31-90 days at INR 2,655 Crs v/s. INR 3,607 Crs in Q2FY26 and INR 2,445 Crs in Q1FY27 • Retail Overdue at INR 1,851 Crs v/s. INR 2,637 crs in Q2FY26 and INR 1,877 crs in Q1FY27 Summary of Labelled & Overdue Exposures All amounts in INR Crs 1 2 3 16 4 4
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 13.7% 14.0% 13.9% 0.8% 1.1% 1.7% 30-Sep-26 30-Jun-26 30-Sep-25 TIER II CET 1 Bank’s Capital Adequacy Ratio 11 CET I Q-o-Q Movement in Q2FY272 1 Includes Profits CET 1 Ratio at 13.7% 1 15.6%15.1%14.5% 1 Key Parameters 69.1% RWA/Assets -260bps YoY +11 bps DTA Q-o-Q Accretion +103 bps CET 1 upside from DTA unwind over time ↑ Upgrade ✦ Inaugural External Rating Agency Current Rating Outlook Previous Rating Action Domestic CARE AA+ ↑ Stable AA- Jun'26 ICRA AA ↑ Stable AA- Jul'26 CRISIL AA+ ↑ Stable AA- Aug’26 India Ratings AA+ ↑ Stable AA- Aug’26 International Moody's Ba1 ↑ Stable Ba2 May'26 S&P Global BB+ ✦ Stable Not Rated Jul'26 17 CRAR 14.0% 0.4% -0.7% 13.7% Q1FY27 Accretion Consumption Q2FY27
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Financial Results – Q2FY27 YES BANK Franchise Contents 18
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Strong Institutional Sponsorship 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 SMFG • Mr. Shinichiro Nishino - Head of Global Credit in the Risk Management Unit of SMBC SBI continues to remain as one of the largest shareholders in YES Bank with One Nominee Director on the Board of Directors Overview Strong & Diversified Investor Base2 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 7.0 billion, a customer base of 3 million, and a branch network of 1,015 locations across more than 670 towns5. SMBC Overview 24.9% 10.8% 8.5% 2.5% 24.9% 14.4% 9.6% 4.4% SMBC SBI Verventa Holdings (affiliate of Advent International) Other Investor Banks Resident Individuals FPI’s DFI's Others 19 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 30th Sep 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 Mar-26; (6) Mutual Funds and Insurance Companies Next phase of growth, profitability and value creation leveraging SMBC’s global expertise Cross-border Expertise; Access New Business Opportunities – Japanese And Global CorporatesLeverage Strong Parentage For Higher Trust Benefit to Credit Ratings and Brand Reputation, and further enhance Global Governance Standards from SMBC 6 1
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 +20.9% Y-o-Y Growth calibration in Retail Advances1 Accelerated growth in Retail & Branch Banking led Deposits1 In addition, continued momentum within Retail Fee Income1 46%49% As % of total advances 59% As % of total deposits 47% 58% 58% 20 Retail Bank All amounts in INR Crs 45% 59% AI initiatives structured across the Branch Lifecycle — from discovery to conversion excellence Advanced score- cards and analytics being leveraged across underwriting and engagement Cater to all customer segments (HNI, affluent, NRIs, mass, rural and inclusive banking) with full product suite ~97% of service requests via digital channels Pan-India presence via 1,336 branches, 249 BC banking outlets and 1,369 ATMs, & CRM’s Contributing over 52% of the Bank’s Total Business2 42% 59% 1 Basis Internal Business Segmentation; 2 (Retail Advances + Retail & Branch Banking Deposits) / (Total Deposits + Total Advances excl. FCTL) 828 842 947 809 987 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 171,978 173,305 186,186 186,691 207,985 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 120,802 120,865 126,056 127,147 131,252 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 * *Includes FCNR (B) Deposits mobilized under RBI Forex Swap Facility ^ ^Includes fees related to FCTL extended from Bank’s GIFT City Branch +8.7% Y-o-Y +19.2% Y-o-Y
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Branch Banking All amounts in INR Crs Network Footprint stands at 1,336 branches and 249 BCBO outlets1 Productivity continues to improve across the branch network, while liquidity buffers remain strong with LCR and NSFR well above requirements 3 Current & Savings Account Onboarding Servicing & Cross Sell Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell2 21 Productivity Gains within existing & expanding franchise Continue to maintain healthy short term & long-term liquidity 1,295 1,328 1,334 1,335 1,336 235 235 249 249 249 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Branches BCBO 1,530 1,563 1,583 1,584 1,585 Assisted Digital Onboarding • ~96% eligible SA accounts opened digitally through Assisted Digital Onboarding application • ~85% eligible CA accounts opened digitally with ~42% accounts activated within 4 hours • Enhancements in the digital onboarding app towards regulatory guidelines adherence • Operational efficiency through automation and system integrations in the digital onboarding DIY (Do It Yourself) Digital Onboarding for SA onboarding • Our DIY journey delivers a frictionless onboarding experience for customers Servicing • Over 360+ unique service journeys available on digital channels • 205 on ‘IRIS by YES BANK’ – Bank’s newest Digital app • 227 on YES Online – Internet Banking Platform • 101 on YES Robot • 73 on WhatsApp Banking Cross Sell • End-to-end digital journeys across FD, RD, Credit Cards, Mutual Funds, SGB, Re-KYC, Insurance, IPOs, Card Upgrades & Quick Loans, Tax Payments, Digital Savings Accounts, Virtual Gift Cards, Government Schemes, Card-to-EMI conversions, and Personal Loans • Journeys available across DIY / Assisted 100.0 108.0 127.3 100.0 114.8 133.9 Q2FY25 Q2FY26 Q2FY27 Deposits per Branch Deposits per Employee Indexed to 100 for Q2Y25 125.1% 123.8% 119.0% 138.2% 131.4% 115.3% 115.2% 117.9% 114.1% 113.3% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Average LCR NSFR 100% +3.6% Y-o-Y
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Retail Liabilities: Offerings for Evolving Customer Needs Comprehensive, Segment-Driven Banking Solutions Across Customer Groups SA Segmental Propositions - A Complete Family Banking Offering Senior Citizens Women Gen Z Smart Pro Salary • Exclusive salary account • ₹5 L health insurance top-up • ₹60,000+ joining benefits + up to ₹6,000 cashback • Wellness memberships • 0 brokerage trading for 1st Year 22 Salary Account for GCC • Gen Z-focused digital banking proposition that fits their lifestyle • Strengthens overall Family Banking ecosystem 3 in 1 SA, Demat & Trading
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Retail Liabilities: QR/Soundbox Solutions for Merchants QR/Soundbox Customer BalancesQR/Soundbox Customer Collections 100 117 136 155 167 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Qtrly Avg Balance Merchant Account Offerings Indexed to 100 for Q2FY26 100 153 244 270 289 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Qtrly Avg Collections Indexed to 100 for Q2FY26 23 Building Granular Current Account Franchise through Customer Centric Approach
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Auto Loans Construction Equipment Loans Commercial Vehicle Loans Personal Loans Micro Enterprise Banking Credit Cards Secured Business Loans Home Loans 24 1 Diversified Retail Advances book1 2 Retail Banking Assets disbursements3: Calibration in Product mix Retail Assets 1 Split basis gross advances including Co-lending; 2Other includes IF, LAS etc ;3 Excludes MEB, Rural Assets, Cards and ISB 4 Basis cards in force 3 ETB Share in Retail Disbursals during Q2FY27 2 4 50% In INR Crs % Share Q-o-Q Y-o-Y Retail Banking Assets 69.5% 3.3% 7.0% Secured 56.6% 2.7% 8.2% Mortgage 34.6% 5.4% 16.2% Secured Business Loans 19.3% 7.0% 24.6% Home Loans 8.9% 4.2% 5.8% Affordable Home Loans 6.4% 2.5% 9.0% Non-Mortgage 22.0% -1.3% -2.4% Commercial Vehicle Loans 6.2% 0.0% -3.8% Construction Equipment Loans 4.7% 1.7% 4.9% Auto Loans 3.7% -3.8% -19.4% Used Car Loans 3.1% -6.3% -22.7% Gold Loan 1.8% -13.1% 187.8% Others 2.5% 11.8% 4.7% Unsecured 12.9% 5.8% 2.2% Personal Loan 8.9% 3.2% -6.6% Business Loan 3.0% 5.1% 14.7% Education Loan 1.0% 40.3% 103.7% Micro Enterprise Banking 16.5% 5.0% 11.6% Credit Cards 7.3% 4.5% 21.3% Rural Banking 4.9% 2.6% 2.6% Inclusive & Social Banking 1.7% 2.1% 29.2% Total Gross Retail Advances 100% 3.6% 8.8% Provisions Total Net Retail Advances 3.6% 8.9% Secured Business Loan, 29% Personal Loan, 17%Home Loan, 9% CV, 9% CE, 7% Gold Loan, 6% Business Loan, 6% Affordable Home Loan, 4% Auto Loan, 4% EL, 4% Used Car Loan, 2% Others, 3% Product Mix – Q2FY27 DisbursementsSecured vs Unsecured Disbursement Mix 75% 74% 82% 80% 73% 25% 26% 18% 20% 27% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Secured Disb % Unsecured Disb % 9,187 12,796 10,9979,510 12,842
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Growth Avenues, Digitization & Product Innovation4 New Product Launch Delivering Unmatched Customer Experience and Service Excellence Digital Journey as a Fulcrum for Scale Steady Growth in Funded Book1 • PSL Book : ~90% of MSME Funded Book PSL Compliant Micro Enterprise Banking Catering MSME Market Segment 25 19,535 19,606 20,933 20,633 21,724 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 YoY: 11.2% Sustainable Product Mix2 • PSL Book : ~90% of MSME Funded Book PSL Compliant ~88% of Fund book consists of secured products Granular and Stable Customer Mix3 83% 9% 6% 2% Working Capital & Term Loans Supply Chain Finance HealthCare & Business Equipment Commodity Finance 16% 13% 18% 9% 44% < 1 Cr 1 - 2 Cr 2-< 5 Cr 5 -< 10 cr > 10 Cr Implemented Pre-Approved Credit Enhancement (PACE) for Existing- to-Bank (ETB) customers, enabling proactive, data-driven credit limit enhancements to strengthen customer retention, deepen banking relationships, and drive sustainable portfolio growth. Additionally, renewed focus on Health Care & Business Equipment Finance leading to better margins Enhancement in SmartFin – a digital Loan Origination System for Supply Chain business, now empowered for renewal / enhancement of existing customers showcasing strong shift toward digital adoption. The platform, replenished with API based data, further strengthens customer engagement, retention and cross-sell potential. SME Direct Service Desk has been enhanced to support YES Business (Net Banking) onboarding for all constitution (erstwhile only Sole Proprietorship). The desk has increased its handling to 60+ request type & has successfully processed ~18,200 service requests in Q2 FY27—reinforcing its role as a key service channel in improving customer experience.
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Rural Assets & Inclusive and Social Banking Business originations1 • Book qualifies under granular PSL lending • Product suite to cater to all segments of semi urban/ rural ecosystem • Parameterized lending in the granular book for faster disbursements All amounts in INR Crs 26 1 Excluding lending to MFI; Q4FY26 Business origination restated and not comparable with previous reportings 1 Building a Diversified, Scalable & Digitally Enabled Rural Book 2 ▪ Well diversified rural financing book with a balanced mix of FMA and KCC ▪ Expanding into unpenetrated rural markets to improve financial inclusion & ensuring credit availability to larger farmer base ▪ Strong rural value chain presence supported by a diversified portfolio across ~13 States Business originations3 Optimized book growth with geographic diversification4 RURAL ASSETS Deepening the penetration in emerging rural markets & generating Agri PSL INCLUSIVE & SOCIAL BANKING Catalyzing Inclusive Growth Through Women Microfinance 653 659 308 376 459 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 6,432 6,524 6,687 6,430 6,599 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Y-o-Y growth: 2.6% 1,815 1,948 2,250 2,298 2,346 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Y-o-Y growth: 29.2% 291 419 461 670 409 424 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 • 17% Growth from H1 FY26 to H1 FY27 in business originations • Book qualifies under granular PSL lending • All new business sourced from 1st January 2025 onward is covered under CGFMU, the Government’s credit guarantee scheme. ▪ 29 % YoY Book Growth ▪ Diversified portfolio across 286 districts in 18 states ▪ Long standing relationship with 10 credible BC partners
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Credit Cards 10,873 11,705 12,022 12,296 12,734 2,652 2,762 2,897 2,971 3,072 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Spends (INR Cr.) Sourcing Update: ▪ Quarterly sourcing of ~2.32 lakh cards (Proprietary cards: ~1.34 L, Co-brand cards: ~0.98L) EMI Booking and Spends: ▪ Highest-ever EMI booking of 1.41K Cr. and over INR 12.7K Cr. in total spends including highest ever INR 5.3K Cr. CC UPI spends Benefits Tracking and Discovery: ▪ Hyper-personalized credit card dashboard within IRIS mobile app, enabling customers to view milestones, spends thresholds, eligibility and available offers Customer Experience Improvements: ▪ Credit card statement password logic simplified to an easy-to-remember format, to help seamlessly access and track past statements and spending patterns Integrated CKYC Onboarding: ▪ Convenient onboarding of NTB customers at the time of credit card sourcing with CKYC automation New Product Launch: ▪ Launch of ‘Essence’ credit card for the fast-growing salaried women segment ▪ New co-branded, zero forex markup card introduced EMI Capability Enhancement: ▪ Enabled contextual EMI on CC-UPI spends via merchant-aggregator ecosystem, improving EMI conversion at the point of sale ▪ Launched capability to convert transaction into EMI at the OTP page Sustained Strong Growth in Cards, Book Size & Card Spends1 Key Initiatives Q2FY273 No. of cards (‘000) 3.6% QoQ 17.1% YoY 3.4% QoQ 15.9% YoY Book Growth and Book Mix %2 Book Growth 46.2% 45.5% 45.9% 45.5% 44.1% 20.5% 20.7% 20.2% 20.4% 20.5% 33.3% 33.8% 33.9% 34.1% 35.4% Q 2 F Y 2 6 Q 3 F Y 2 6 Q 4 F Y 2 6 Q 1 F Y 2 7 Q 2 F Y 2 7 Transactor Revolver EMI Portfolio Optimization Customer Centric Innovation Portfolio Update Above numbers do not include Credit Line on UPI 8,057 8,346 8,856 9,341 9,750 Q 2 F Y 2 6 Q 3 F Y 2 6 Q 4 F Y 2 6 Q 1 F Y 2 7 Q 2 F Y 2 7 4.38% QoQ 21.0% YoY
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 4.4% 3.7% 3.0% 3.0% 3.1% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 % of 1 Year Lagged Advances Retail Slippages1 All amounts in INR Crs Retail Slippages continue to hold steady in recent quarters Similar trend seen even on 1 Year lagged basis Within Unsecured, improvement in PL , BL and Credit Card 30+ stable across unsecured, further improving in securedSecured & Unsecured Portfolio slippages down Q-o-Q Early delinquencies i.e. 30+ also showing improvement Y-o-Y 1Slippage ratios expressed on Annualized basis, Excludes Micro Enterprise Banking 28 1,097 925 764 743 794 4.3% 3.7% 2.9% 2.8% 2.9% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Retail Segment Slippages % of Retail Advances 2,629 2,007 1,798 1,871 1,844 2.8% 2.1% 1.9% 2.0% 1.9% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Retail 31-90 Day Overdue (ex- Rural) % of 1 Yr. Lagged Adv. 0.5% 0.5% 0.4% 0.4% 0.4% 2.3% 1.7% 1.5% 1.6% 1.5% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 31-90 day overdue loans as % of total Retail Advances (ex- Rural)- on 1 yr. lagged basis Unsecured Secured 2.8% 2.1% 1.9% 2.0% 1.9% 0.8% 0.7% 0.6% 0.6% 0.5% 0.1% 0.1% 0.1% 0.1% 0.1% 0.6% 0.6% 0.6% 0.7% 0.7% 0.2% 0.2% 0.1% 0.2% 0.1% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Slippages as % of Total Retail Advances (1 yr. lagged) Personal Loan Business Loan Credit Card ISB 1.8% 1.7% 1.5% 1.5% 1.5% 2.5% 2.0% 1.5% 1.4% 1.6% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Slippages as % of Total Retail Advances (1 yr. lagged) Unsecured Secured 3.7% 4.4% 3.0% 3.1%3.0%
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 PSL compliance • 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) All amounts in INR Crs 29 Mandated deposits in lieu of PSL Shortfalls: 5.0% of Assets All figures below for Q2FY27; ‘Normalized’ indicates Pro-forma figures, normalized for the impact of deposits placed in lieu of PSL Shortfalls PSL Mandated Deposits as a % of Total Assets 93,243 101,215 111,501 111,289 115,371 Overall PSL 10,175 14,325 13,782 12,353 17,696 17,095 13,510 19,155 19,090 13,069 18,567 18,431 13,703 19,011 19,396 SMF NCF Weaker Section FY24 FY25 FY26 Q1FY27 Q2FY27 34 29 28 27 26 7.8% 6.9% 6.0% 5.9% 5.0% 15 20 25 30 35 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 RIDF Deposits As % of Assets All amounts in INR ‘000 Crs 7.8% 8.1% Reported Normalised Yield on Interest Bearing Assets 2.6% 2.9% Reported Normalised NIM 64.3% 62.8% Reported Normalised Cost to Income 1.4% 1.6% Reported Normalised PPOP/ Assets 0.9% 1.0% Reported Normalised RoA 8.2% 8.8% Reported Normalised RoE
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Large Corporates Indian Corporates with turnover of more than INR 1,500 Crs Financial Institutions Indian Commercial & Cooperative Banks, International Banks, NBFCs, MFIs, Insurance Cos, Mutual Funds, Stockbrokers, Payment Operators & Cross border Money Transfer Operators Multinational & New Economy Corporates Multinational Corporates operating in India, Startups, Fintechs, E-commerce companies Government Banking Central & State Government Entities CORPORATE & INSTITUTIONAL BANKING CLIENT SEGMENTS Small to Mid Size Corporates with turnover up to INR 1,500 Crs COMMERCIAL BANKING Growing Client Base and Improving Positioning with High Focus on Risk and Returns Wholesale Banking Covering Diverse Client Segments with Deep Product Expertise PRODUCTS Transaction Banking Trade Finance, Cash Management, Custody, Bullion, Remittance & Supply Chain Finance Financial Markets Fx & Derivative Sales, DCM, Trading, Balance Sheet Management Project Finance Long Term Project Financing with ring-fenced cash flows Real Estate Construction Finance & Lease Rental discounting for Residential & Commercial real estate Loan Syndication Underwriting & syndication/ sell down IFSC Banking Unit Offshore product offerings through IBU at GIFT City Business Economics Banking Macro economic research CGA/ FASAR Corporate & Government Advisory/ Food & Agri Strategic Advisory & Research 30
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Wholesale Banking Business (1) Funded O/S Non-Funded O/S All amounts in INR Crs Commercial Banking2 Corporate & Institutional Banking Providing tailored solutions to clients across business segments1 3 Funded O/S Non-Funded O/S 31 Large Corporates Financial Institutions Multinational & New Economy Corporates Government Banking Commercial Banking Corporate & Institutional Banking 66,980 70,625 77,442 88,228 88,000 78,200 78,414 84,125 82,373 91,659 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 25,533 26,530 28,785 29,174 32,090 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 62,430 65,962 69,947 69,743 75,043 • Team of 193 Relationship Bankers in 9 cities • Focus on providing wide suite of banking products to develop and maintain core bank status • Team of 835 Relationship Bankers with presence in 60 cities • Building Granular portfolio with robust risk management • Team of 75 Relationship Bankers based across 23 cities • Solutioning led wholesale liabilities franchise across Financial Institutions • Lending to NBFCs along with Co-lending & Direct Assignment tie-ups • Clearing and settlement services to Capital Market Intermediaries • Resource raising from International and Domestic Banks & DFIs • Dominant position in Co-operative Banks & Cross Border remittances • Team of 73 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 76 Relationship Bankers spread across 37 cities • Coverage of Government Entities with comprehensive Financial and Digital solutions
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• Supply Chain, Term Deposits, FX, Retail Solutions • Digital & Transaction Banking solutioning • 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 • 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) • NBFCs – Escrows, SmartPay, BBPS, Payments • Co-operative Banks – CTS, CPS • Cross-Border - Exchange Houses / PA-CB • Custody Fund Accounting for MF, AIF, PMS clients; PCM • Insurance, MF – collections, payments • Corp Net Banking, H2H, API Banking, IRIS Biz, Smart Pay • Banking as a Service • Banking as a Platform • 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 Wholesale Banking Business (2) Building sustainable Liability Book Financial Institutions Commercial & Corporate Banking Multinational Companies Channels & Connected Banking New Economy Corporates Government Banking CASA 32
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Strategic Pillars • Growth through new client acquisitions as well as deepening in existing clients • High focus on improving relationship returns through uptiering positioning and multiproduct offering • Robust risk management and granular growth focus Key Differentiators & Strengths • Strong relationship capital: 360 degree 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 Portfolio Quality & Risk Management • Disciplined underwriting with emphasis on high- quality sponsors and strong credit structures • Well diversified large corporate portfolio • Proactive post-sanction monitoring through portfolio reviews and early risk identification • Strict standards to maintain portfolio hygiene Focus Sectors Lending Working Capital FX & Derivatives DCM / Bonds FCY/ Overseas Financing Term Loan Project Finance Loan Syndication Real Estate Custodial Services Trade Finance Cash Management Escrow / TRA Supply Chain Finance Transaction Banking Financial Markets Product Capabilities Employee Salary Accounts Full-Suite Product Coverage• Auto & Auto Ancillaries • Electronics & Electricals • Food & Agri • Power Transmission • Metals & Mining • Renewable Energy • Electric Mobility • EPC & Infra • Logistics & Warehousing • Data Centre • Real Estate Large Corporates 33
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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 Domestic Banks & FIs • Relationship coverage with Domestic Banks & FIs • Resource raising in the form of Borrowings & Refinance Mutual Funds & Insurance • Digitally advanced CMS offerings • Banking facilities to Insurance Cos/ Reinsurance brokers International Banking • Relationship building with International Banks and Fintechs • Cross-border trade facilitation/ fulfillment • Nostro/ Vostro account services 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 Fee Generation by offering customized Transaction banking solutions for Financial Institutions Facilitating business across bank units for treasury, trade and cross-border requirements 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 Enabling Resource raising through Trade Borrowings, Bilateral/ Syndication loans and Refinance facilities Financial Institutions 34
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Liabilities • Cutting edge Digital & Transaction Banking offerings • Beyond Banking – Partner Solutions • Customised Solutions • Retail Banking Services • Treasury, FX & Risk Management • Supply Chain Finance • FEMA Advisory • Fiduciary Services • Dedicated advisory unit with focus on Food & Agri, Electric Vehicles, Electronics, Urban Infrastructure • Digital and Transaction Banking Solutions • Supply Chain financing • Salary Accounts, Credit Cards & Retail Assets • Fx Flows and FDI • Assets and Liabilities • Lifecycle Banking Marquee MNCs Growth MNCs New Entrants Sector alignment Technology Banking Ecosystem Banking Knowledge Banking • Preferred bank for Unicorns, Soonicorns • Superior digital and Transaction Banking offeringsUnicorns/ Soonicorns Customized & Exhaustive Product Suite for • Payment Aggregators • Non Bank PPIs • Digital lenders and LSPsRegulated Entities • Industry specific & fully compliant escrow offering for handling fiduciary money for E-Commerce Marketplaces E commerce Marketplaces • 24x7 Transaction processing at scale with high success rate • Superior Digital & Transaction Banking offerings Fintechs • Funnel for episodic & annuity leads • FEMA Advisory • Fx Flows • Custody services & Capital Markets Financial Sponsors Multinational and New Economy Corporates 35
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• Central Ministries • State Governments - Government Fund Flow Management • Local Governments – Urban Local Bodies, Districts & Panchayat • 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 Government Enabling Government for settlement & disbursement Administered Institutions Quick Turnaround in Solution Identification, Customisation & Implementation Performance & Delivery Banker to majority CPSUs pan India for Asset & Liabilities. Empaneled with majority of Maharatna, Navratna & Miniratna PSUs Pan-India Coverage Industry First - Knowledge & Banking proposition in Education, Agriculture, Electric Mobility, Solid Waste Management and Start – up Incubation through CGA1 and FASAR2 In-house Expertise Presence of GB Team in 37 cities and amplified by Branch led sourcing of Govt. accounts at all Yes Bank Branches Pan-India People Relationship Mgmt. with Central & State Government, Local & Quasi government, CPSUs & State Development Authorities Relationships Solutioning for wide range of government sector services Settlement Banker to Central & State Government initiatives Product Knowledge Engagement in Urban Infrastructure including e- mobility & start-up incubation through CGA1 and Agriculture & Allied Sectors through FASAR2 Knowledge 1 CGA: Corporate & Government Advisory 2 FASAR: Food & Agribusiness Strategic Advisory & Research Government Banking 36
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Commercial Banking Growth led by NTB and cross-sell - higher wallet share and productivity Strong coverage – presence in 60 cities Sustainable growth in book Leverage anchor-led ecosystems (dealer/ supplier financing) Knowledge Sectors – Pharma, Chemicals, Auto ancillary, Logistics, Metals Laser Sharp focus on portfolio quality Branch Banking offerings - Employee Salary Accounts, Wealth Management, Credit Cards Digital interface specifically curated for Supply Chain business Fee through credit & non-credit Trade, CMS, FX. Focus on digital channels like Trade On Net, Digital Banking, API integration. Knowledge banking using FASAR capabilities 37
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Experienced sales team 40% 43% 17% >15 yrs 5-15 yrs <5 yrs Full Product Suite Remittances Currency Notes Imports Forwards FX Options FX and Interest Rates Swaps Exotics FX Sales Debt Capital Markets & Primary Dealership Our Experience 1000+ Transactions originated since inception 100+ Years of collective Team experience 50+ First-time issuers introduced to Debt Capital Markets Numerous maiden issuances & multiple repeat mandates Gsec/ SDLs/ Vanilla Bonds/ Commercial Paper Securitisation / Credit Enhanced Structures Hedging Products like IRF and OISHigh Yield Credits InvITs & Project Bonds Bank / NBFC Debt Comprehensive Product Suite • Mutual Funds • Banks • Insurance Companies • NBFCs • Private Wealth Management • Retiral Funds • Corporate Treasuries • Alternate investment Funds • FPIs • UCBs & RRBs Diversified Investor Connect Corporates NBFCs & FIs Banks InvITs Connect with a wide range of Large/Mid-Size Issuers Bullion Desk Gold Metal Loan SilverGold Consignment import Outright domestic sales Customer Types Bullion Traders Jewellery Manufacturers Jewellery Exporters Specialised desk coverage Dedicated experienced product sales managers providing structured hedging solutions Active FX desk for providing best in class pricing for customer transactions YesFX Yes FxOnline CCIL FX Retail Platform Digital platforms across client segments Pan India Presence through sales centres In league tables in onshore INR Corporate BondsTop 10 Innovative Bank of the Year 2024-2025 by India Gold Conference 38 Financial Markets Customised solutions for clients Top 5 FX & Derivatives client franchise in India among private sector banks
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Project Finance (PF) • Sectoral Knowledge - Dedicated sector teams with domain knowledge – Renewable Energy, Roads, Ports, E-Mobility, Manufacturing (Metals & Mining, Cement, Chemicals, etc.) • Bespoke Solution - Ability to tailor financing structures aligned with sector-specific risk profiles • Established Track Record – Deep expertise in Project Cashflow based lending, structuring depth, disciplined risk management and demonstrated underwriting capabilities to deliver reliable Project Finance solutions across Infrastructure and Non-infrastructure landscape. • Strong relationship with Clients & Sponsors, along with other stakeholders viz. regulatory bodies, consultants, rating agencies, etc. • Recognition - Awarded Asian Banking and Finance Wholesale Banking Awards 2026 for (i) Indian Domestic Project Finance Bank of the Year and (ii) Indian Domestic Green Financing Bank of the Year; PFI Indian Deal of the Year in 2023 for Renewable Energy project Real Estate (RE) • Comprehensive product coverage across asset classes - Commercial, Residential, Warehousing, Hospitality and Data Centers. • Strong on-ground network of sectoral relationships - RE developers, financial sponsors and international property consultants enabling deal origination and risk assessment. Loan Syndication (LS) • Originate to Distribute (O2D) strategy to complement PF and RE expertise with large scale underwriting • Ability to crowd-in lenders for underwritten deals by virtue of established relationship with various lenders Project Finance, Real Estate & Loan Syndication Sector expertise, structuring depth and distribution capabilities 39
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Cash Management Channel Products Fiduciary Services Government 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) Aadhar Based Payment System Banking as a Service Issuer & Paying Agent Scheme Mgmt/ SNA Full Spectrum Banking across Industry Segments Trade Finance Non-Fund Fund Flow Digital Specialized 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 IFSC IBU Trade Credit Invoice Financing Project Exports TReDS FEMA Advisory Risk Participation Supply Chain Finance Project office & Branch office Flows Outward LRS Bullion Transaction Banking Comprehensive product proposition with market leadership in Digital products 40
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 41 Market Leadership – YBL processes ~1 in 3 Digital Payment transaction in India #1 UPI Payee PSP1 58.7% market share #2 UPI Payer PSP1 36.4% market share #1 Acquiring AePS Bank2 24.9% share | 792K+ outlets #2 NEFT2 22.0% share | ~99% success #2 NACH2 14.2% market share CMS Throughput growth since Mar'22 (37.9% CAGR) Best-in-class Super Apps – Distinctive Customer Experience IRIS Retail Super App ★★★★⯨ 4.7 250+ features 49 L+ Registered users 42% Monthly Active Customers IRIS Biz Business Super App 100+ features 5.4 L+ Registered 3.5 Cr+ Transactions YES Pay Next UPI Payments App ★★★★★ 4.7 Retail merchants 66 L+ Registered users 8.1% QoQ Growth in User Base YES Pay Biz Merchant App ★★★★★ 4.3 Collections + Grow 6 L+ Registered Merchants ₹2,700Cr+ Monthly Transaction Value Inorganic Client Acquisition via Fintech Partnerships Digitizing client journeys & creating a quantum force multiplier across… Third Party Apps Payment Aggregators Corporate BCs Co-Branded Cards Marketplaces Large Merchants Better Mind Share & Wallet Share Lower Acquisition, Txn & Servicing Cost Scale & Profitability Source: RBI Payment System Indicators & NPCI - 1As on Aug'26; 2 As on Sep’26; CMS CAGR: Q4FY22–Q2FY27. ★★★★⯨ 4.3 ★★★⯨ 3.9 Digital and Transaction Banking and many others. ~4X ★★★★⯨ 4.7 ★★★⯨ 3.9 Digital Sourcing & Deep Embedment across the Bank 99% Credit Cards Sourced Digitally 96% / 88% Individual SA / eligible CA Sourced Digitally 1,500+ API Stack For Enriched Customer Experience 50+ Partners integrated real time leads mobilization 96% of CA Base embedded with Digital & Transaction Banking Product & Solutions ~97% Lending Clients with CA have 1+ Transaction Banking embedment ~21% YoY Growth In Bharat Bill Payment System YES Tax Pay (Agency Business) Authorized to collect Central & State Tax Payments 4 Central (GST, CBDT, Customs, EPFO) + 10 State empanelment GST (Launched in March’25) 53K+ Active Customers (Launched in June’25) 2K+ Active Customers (Launched in June’25) 8K+ Active Customers (Launched in June’24) 39K+ Active Customers DIRECT TAX Customs & Excise EPFO Market share: RDA – 11%, LRS – 4%, Bullion – 16% Cross-Border & Bullion Franchise (Jul’26) ★★★★⯨ 4.7
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Responsible franchise with sustainability at its core 42 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 ESG Excellence Business Today Awarded as 'Most Sustainable Bank' at BT India's Most Sustainable Companies Summit 2026 4th consecutive year: Highest score amongst Indian Banks in S&P Global CSA 2025** Index Constituent of MSCI ACWI's Low Carbon Leaders Index, ACWI Climate Change Index, among others 4th consecutive year: Included in FTSE4Good Index Series 4th consecutive year: Highest ranking Indian Bank in Climate Risk Horizon's assessment of Climate Preparedness 2026 ENVIRONMENT Net Zero by 2030 Scope 1 & 2 commitment; 21.57% RE power mix; ~7,493 tCO₂e avoided in FY 2025-26 INR 7,690 Cr Green finance sanctioned for ~1,812 MW of RE projects in FY 2025-26 1 of 5 Indian Accredited Entities to Green Climate Fund 1st Indian Bank To measure, develop and disclose a target to reduce financed emissions intensity of its electricity generation portfolio SOCIAL 24.5% Women in workforce (FY 2025-26) 6.92 lakh Active women customers in rural India under YES Microfinance programme in FY 2025-26 >1,00,000 Youth, farmers, women and artisans impacted through YES Foundation employability & entrepreneurship programmes (cumulative from FY 2021- 22 to FY 2025-26) >6,00,000 trees Planted through YES Foundation's agroforestry initiative (cumulative from FY 2023-24 to FY 2025-26) GOVERNANCE 54% Independent Directors on the Bank's Board 15% Women Directors on the Bank's Board Green Deposits Launch ISO 14001 – Environmental Management System 13 years of ISO 14001 certified EMS, 103 new facilities certified in FY 2025-26; 1289 total facilities certified – highest in BFSI sector globally 1st Indian Bank to disclose financed emissions reduction target Founding Signatory to UNEP FI Principles for Responsible Banking; Vice-chair of PCAF* India Chapter Only Indian Bank included in S&P Global Sustainability Yearbook 2026 Highest in BFSI globally for ISO 14001 Environmental Management System *PCAF: Partnership for Carbon Accounting Financials **S&P Global Corporate Sustainability Assessment (CSA) 2025 - YES BANK achieved a CSA Score of 79 /100 & ESG Score of 79 /100 as of 7/11/2025 ✓ S&P Global MSCI FTSE4Good CRH
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R: 0 G: 46 B: 220 R: 0 G: 0 B: 130 R: 150 G: 185 B: 246 R: 238 G: 240 B: 246 R: 0 G: 0 B: 0 R: 237 G: 31 B: 72 Robust Governance Structure – Board Members Eminent and Experienced Board 43 Rama Subramaniam Gandhi Non-Executive, Part time Chairman, Independent Director Atul Malik Independent Director Sanjay Kumar Khemani Independent Director Sharad Sharma Independent Director Sadashiv Srinivas Rao Independent Director Nandita Gurjar Independent Director Rekha Murthy Independent Director 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) 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) Vinay M. Tonse Managing Director & CEO Manish Jain Executive Director
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44 Grades Q2 FY27 Q1FY27 Q2FY26 G1–G3 277 273 290 G4–G6 3,724 3,713 3,421 G7–G12 26,063 25,616 25,510 Total 30064* 29,602* 29221* Culture & Initiatives Governance & Ethics Key People Initiatives ‘LeadHERship’ Program A three-month leadership journey, strengthening the pipeline of future women leaders Respect at Work – ERG Champions’ Workshop Enhanced ERG members’ understanding of POSH and their role in fostering a safe, respectful workplace. DEIB KPI’s DEIB KPIs addition to Leadership team goals and weekly Leaderboard updates PWD FGD’s and sensitization workshops Organized focused group discussion with our PWD employees and sensitization workshop for managers Total headcount 30,066 with net addition of 489 staff over 31-Mar-26 | *Excl. MD & CEO and Executive Directors Recognized as one of the 2026 Best Companies for Women in India (BCWI) by Avatar & Seramount in 11th edition Composition Senior Management average vintage of ~10 years - deep institutional continuity 38.1% 61.2% 0.7% <30 30-50 >50 Workforce Composition – Age wise 23.2% 24.4% 24.7% FY25 FY 26 Q2FY27 Women in Workforce Grade Distribution Our People: Building a Future-Ready, Inclusive Workforce Leadership & Branch Excellence HR 40under40 Program – High-potential participants completed four core masterclasses across Business, Collaborative, Championing, and Inclusive mindsets. YES DBM Gurukul – A focused intervention for Deputy Branch Managers to strengthen branch compliance, risk awareness, operational accuracy, customer experience, and on-ground leadership in performance and risk management Functional & Product Expertise Six Sigma Yellow Belt Certification Workshop – Strengthened the Customer Experience team’s ability to use structured, data-driven problem-solving for process improvements. YES Private Orientation Program – Equipped select relationship managers with deeper product knowledge and customer insights to strengthen client conversations and cross-selling. Learning & Capability Building Branch Compliance Adherence Workshop The intervention equipped Deputy Branch Managers with improved regulatory and internal compliance awareness, stronger daily risk-mitigation practices, better process and documentation discipline, and reinforced professional conduct and accountability. Employee Value Proposition (EVP) 1 full month of engaging sessions across 40+ locations to educate employees on EVP pillars and behaviors. Whistle-Blower & Vigil Mechanism Board-approved policy; anonymous channel; direct escalation to Audit Committee POSH — Zero-Tolerance Framework Internal Committees across zones; Mandatory annual training Code of Conduct & Ethics Annual re-affirmation is taken, supporting the Bank’s objectives and carrying out all responsibilities with professionalism, honesty, integrity, and ethical behavior Yes to Caring — Manager Philosophy Communicate • Appreciate • Respect • Invest • Nurture • Grow trust
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Thank You 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. Disclaimer: