Yes Bank (YESBANK) investor relations material

Business overview and strategic positioning

• Operates as India's 6th largest private sector bank with a diversified balance sheet and a universal banking model serving retail, commercial, corporate, and institutional clients.

• Maintains a strong digital presence, processing 1 in 3 digital transactions in India, and offers over 1,500 APIs for integration.

• Pan-India distribution with 1,335 branches and 1,372 ATMs, supported by a seasoned management team and global shareholders including SMBC, SBI, and Advent.

• Recognized for ESG leadership, with top rankings from global rating agencies and a robust sustainability agenda.

Credit investment highlights

• SMBC holds a 24.9% stake, acting as a catalyst for growth and value creation, with SBI as the second largest shareholder.

• Deposit-led growth engine with increasing retail and branch banking-led deposits and healthy liquidity ratios.

• Lending franchise is granular and diversified across retail, commercial, and corporate segments, with declining borrower concentration.

• Asset quality has improved significantly, with GNPA at 1.3% and NNPA at 0.2%, and PCR above 80%.

• Return on Assets (RoA) has improved to 0.9% in Q1FY27, driven by strategic interventions and cost efficiencies.

Financial performance and capitalization

• Balance sheet size reached INR 4.6 trillion as of June 2026, with deposits at INR 3.2 trillion and advances at INR 2.9 trillion.

• Strong capitalization with CET-1 ratio at 14.0% and total capital adequacy at 15.1%.

• Net profit grew at a CAGR of 66.7% over recent years, supported by internal accruals and successful capital raises.

• Cost-to-income ratio declined to 62.8% in Q1FY27, and NIM improved to 2.7%.