Yes Bank Limited · NSE:YESBANK
Yes Bank — Investor Presentation (November 2025)
68 slides from Yes Bank's investor presentation, Nov 29, 2025
Slide 1: Exchange filing cover letter for investor presentation
YBL/CS/2025-26/148 November 29, 2025 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Plot no. C/1, G Block, Corporate Relations Department Bandra - Kurla Complex, Bandra (E) P.J. Towers, Dalal Street Mumbai - 400 051 Mumbai – 400 001 NSE Symbol: YESBANK BSE Scrip Code: 532648 De
Slide 2: Investor Presentation December 2025
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Slide 3: Disclaimer
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 sta
Slide 4: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Rapid Digitalization
Slide 5: India expected to be the fastest growing major economy in FY26
India expected to be the fastest growing major economy in FY26 IMF growth forecasts for 2025 & 2026 RBI expects FY26 GDP growth at 6.8% Real GDP (% YoY) 12.0 9.7 9.2 10.0 8.0 8.3 2024 2025P 2026P 7.4 6.8 7.6 6.8 8.0 6.4 6.5 6.5 5.5 Advanced Economies 1.8 1.6 1.6 6.0 3.9 4.0 Emerging Market Economies
Slide 6: Inflation has remained within RBI's target band
Inflation has remained within RBI’s target band IMF inflation forecasts for 2025 & 2026 India’s retail inflation averaged 4.6% in FY25 %YoY Inflation (% YoY) 9 2024 2025P 2026P 8 Inflation Targeting Band 7 Upper end Advanced Economies 2.6 2.5 2.2 6 5 Emerging Market Economies 7.9 5.3 4.7 4 3 India 4
Slide 7: Banking system in India remains resilient (1/2)
Banking system in India remains resilient (1/2) Improving credit penetration in India, yet further headroom for expansion exists Domestic bank credit (% of GDP) 2021 2024 2027P • India's credit-to-GDP ratio, though increasing has consistently remained below global benchmarks, trailing Advanced Econo
Slide 8: Banking system in India remains resilient (2/2)
Banking system in India remains resilient (2/2) Gross advances continue to increase (INR lakh Crs) Decadal best Asset Quality … … Profitability… 200.0 25% Gross NPA Net NPA RoA Key levers: 180.0 1.4 • Corporate segment - IBC has been a game 1.3 160.0 20% changer with reduction in resolution cycles 1
Slide 9: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Rapid Digitalization
Slide 10: India's New-Age Private Sector Bank
India’s New-Age Private Sector Bank INR 2.50 Lac Crs| 73% Diversified INR 2.96 Lac Crs | 58% Loan Book | Share of Retail & Total Deposits | Share of Retail and Commercial Bank2 Balance Sheet Branch Banking led Deposits Digital Leadership Processes every 1 in 3 Digital Transactions in India; Preferre
Slide 11: Strong Institutional Sponsorship - catalyst for next phase of Growth
Strong Institutional Sponsorship- catalyst for next phase of Growth Overview SMBC is the largest shareholder with ~24% stake2 On May 9, 2025, Sumitomo Mitsui Banking Corporation (“SMBC”) was announced to become YES Bank’s largest shareholder through the acquisition of 24.2% stake from SBI, other Inv
Slide 12: Responsible franchise with sustainability at its core
Responsible franchise with sustainability at its core Robust ESG & Climate Governance Performance on ESG Ratings CSR & ESG Committee of Sustainability Council: Sustainable Finance (SF) Purpose-led Culture: the Board: Highest Executive committee that Unit: Implements Bank’s Domain-specific ESG KPIs g
Slide 13: Robust Governance Structure – Board Members
Robust Governance Structure – Board Members Eminent and Experienced Board Rama Subramaniam Gandhi Atul Malik Sharad Sharma Rekha Murthy Nandita Gurjar Non-Executive, Part time Chairman, Independent Director Independent Director Independent Director Independent Director Independent Director Prashant
Slide 14: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Rapid Digitalization
Slide 15: Unique Turnaround Story: An Analysis (1)
Unique Turnaround Story: An Analysis (1) FY15-19: Strong Corporate Led Loan Growth, Impact Further Aggravated by Externalities .. Led By Concentrated Corporate ..Led To Asset Quality Challenges and Strong Strong Balance balance sheetSheet Growth.. growth Exposures.. Deposits Outflow Slippages of lar
Slide 16: Unique Turnaround Story: An Analysis (2)
Unique Turnaround Story: An Analysis (2) All figures in INR Cr Amidst Challenging Backdrop Strong Growth Phase till FY18 Extreme Stress Conditions – Bank now on the path of delivering Moratorium imposed in Mar’20 Mar’ 20 Apr’ 21 Jan’ 22 Onwards Profitable Growth (Data below for FY18) (Data below for
Slide 17: Unique Turnaround Story: Credit Rating (3)
Unique Turnaround Story: An Analysis – Credit Rating (3) International Rating Long-term Outlook Short-term Key Elements Driving Rating Changes Moody's Investors Service Ba2 Stable Not Prime • Strategic Investment & Governance • Robust capitalization Domestic Rating Basel III Tier II & Infra Bonds (L
Slide 18: Unique Turnaround Story: An Analysis (4)
Unique Turnaround Story: An Analysis (4) Shareholding Pattern Evolution Part of BSE Sensex 30, Nifty 50, Bank Nifty, MSCI India, Part of MSCI India, MSCI EM, MSCI ESG EM, Excluded from all major indices MSCI EM, MSCI ESG EM, FTSE4Good FTSE4Good, BSE Next 50, BSE 100, Nifty Midcap 50 FY18 FY20 H1 FY2
Slide 19: Unique Turnaround Story: Deposits and Liquidity (5)
Unique Turnaround Story: Deposits and Liquidity (5) All figures in INR Crs Improvement in granularity– declining share of Top 20 Share of Retail and Branch led Banking Deposits (in Depositors total deposits) rising LCR Levels remain healthy Top 20 Depositors Share of Retail & Branch Banking Led LCR
Slide 20: Unique Turnaround Story: Advances & Borrowings (6)
Unique Turnaround Story: Advances & Borrowings (6) All figures in INR Crs Consistent improvement in CD Ratio: sustaining at healthy levels of ~85% over last 3 years Granularization in Advances led by… 102.4% Retail + Commercial Corporate 27.0% 25.0% 26.3% 26.8% 91.8% 92.0% 40.0% 48.9% 86.5% 85.5% 84
Slide 21: Unique Turnaround Story: PSL Shortfall Deposits (7)
Unique Turnaround Story: PSL Shortfall Deposits (7) All figures in INR Crs PSL Shortfall – Nil across sub categories PSL Shortfall Deposit balance peaked, substantial increase basis past shortfall SMF NCF WS PSL Shortfall Deposits % of Total Assets 8.4% 7.8% 44,087 37,017 6.2% 33,557 11.0% 30,910 10
Slide 22: Unique Turnaround Story: Capital (8)
Unique Turnaround Story: Capital (8) All figures in INR Crs Demonstrated ability to raise capital despite headwinds; RoE to fund growth ahead 1 15,000 New Capital Raised 10,000 6,042 2,845 * FY20 FY21 FY22 FY23 FY24 FY25 * Warrant conversion Reduction in RWA / Total Assets CET I accretion aided by C
Slide 23: Unique Turnaround Story: Asset Quality (9)
Unique Turnaround Story: Asset Quality (9) All figures in INR Crs Significant improvement in GNPA NNPAs now amongst the lowest vis-à-vis peers SRs fully provided for (O/S FV of JCF SRs: 1,962 Crs)1 GNPA GNPA % NNPA NNPA % Net Security Receipts % of Net Advances 35,000 25.0% 12,000 9.0% 3,500 3,237 3
Slide 24: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Rapid Digitalization
Slide 25: Balance Sheet Structure: Implications for P&L
Balance Sheet Structure: Implications for P&L Inherent issues in the Balance Sheet structure. However, consistent improvement over last few years YES BANK Mid Sized Private Banks Large Private Banks As % of Assets As % of Assets As % of Assets FY23 FY24 FY25 FY23 FY24 FY25 FY23 FY24 FY25 Lower Share
Slide 26: P&L Structure: Comparison to peers
P&L Structure: Comparison to peers YES BANK Mid Sized Private Banks Large Private Banks Lower Advances / Assets As % of Assets As % of Assets As % of Assets impacting Interest Income FY23 FY24 FY25 FY23 FY24 FY25 FY23 FY24 FY25 Higher Yield Corp. book Interest Income 6.7% 7.3% 7.5% Interest Income 8
Slide 27: Recent Progress on RoA has been encouraging
Recent Progress on RoA has been encouraging Strategic intervention over last 6-8 quarters have started reflecting in outcomes Dupont Ratios FY23 FY24 FY25 H1FY26 NII/ Avg. Assets 2.4% 2.1% 2.2% 2.2% Non Interest Income/ Avg. Assets 1.1% 1.3% 1.4% 1.6% Total income/ Avg. Assets 3.4% 3.5% 3.6% 3.8% Op
Slide 28: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Rapid Digitalization
Slide 29: Results At a Glance – Q2FY26
Results At a Glance – Q2FY26 All amounts in INR Crs Arrows indicative of Y-o-Y trends Total Assets Advances Deposits CD Ratio Advances Mix1 Disbursement2 Retail : Commercial: Corp. & Insti. 429,035 250,212 296,276 84.5% v/s. Banking (CIB) 24,507 48%:25%:27% 4.6% : Q-o-Q 3.8% : Q-o-Q 7.4% : Q-o-Q 87.
Slide 30: Highlights for Q2FY26 (1)
Highlights for Q2FY26 (1) 1 Balance Sheet Highlights 2 ▪ Sustained momentum in Deposits; CASA growth continues to outperform Industry • Total Deposits at INR 2,96,276 Crs grew 6.9% Y-o-Y and 7.4% Q-o-Q • CASA Deposits at INR 99,708 Crs grew 12.5% Y-o-Y and 10.4% Q-o-Q; on AQB1 basis, CASA Deposits g
Slide 31: Highlights for Q2FY26 (2)
Highlights for Q2FY26 (2) 1 P&L Highlights 2 ▪ Net Profit of INR 654 Crs for Q2FY26; up 18.3% Y-o-Y; normalized for Income tax refunds in Q2FY25, Profit growth at ~30% Y-o-Y • Q2FY26 RoA at 0.6% v/s. 0.5% in Q2FY25 • Q2FY26 Operating Profit at INR 1,296 Crs up by 32.9% Y-o-Y; Normalized for Treasury
Slide 32: Profit and Loss Statement
Profit and Loss Statement All amounts in INR Crs • Net Profit for Q2FY26 at INR 654 Crs up Quarter Ended Growth 18.3% Y-o-Y; normalized for Income tax Profit and Loss Statement Q2FY26 Q1FY26 Q2FY25 Q-o-Q Y-o-Y refunds in Q2FY25, Profit growth at ~30% Y- o-Y Net Interest Income 2,301 2,371 2,200 -3.0
Slide 33: Break Up of Non-Interest Income
Break Up of Non-Interest Income All amounts in INR Crs • Non-Interest Income for Q2FY26 at INR 1 Quarter Ended Growth Break up of Non Interest Income 1,644 Crs, up 16.9% Y-o-Y Q2FY26 Q1FY26 Q2FY25 Q-o-Q Y-o-Y Non Interest Income 1,644 1,752 1,407 -6.2% 16.9% • Core Fees for Q2FY26 at INR 1,499 Crs,
Slide 34: Break up of Operating Expenses
Break up of Operating Expenses All amounts in INR Crs • Operating Costs for Q2FY26 at INR 2,649 Quarter Ended Growth Break up of Operating Expenses Crs up marginally 0.6% Y-o-Y and down 4.2% Q2FY26 Q1FY26 Q2FY25 Q-o-Q Y-o-Y Q-o-Q Manpower Cost 1,152 1,160 1,156 -0.6% -0.3% • C/I for Q2FY26 at 67.1%
Slide 35: Provisions and P&L
Provisions and P&L All amounts in INR Crs • Total Provisions for Q2FY26 up 52.1% Y-o-Y & Quarter Ended Growth up 15.3% Q-o-Q Break up of Provisions Q2FY26 Q1FY26 Q2FY25 Q-o-Q Y-o-Y • Provision Costs (non-tax) at INR 419 Crs for Q2FY26 up 41.0% Y-o-Y Operating Profit/(Loss) 1,296 1,358 975 -4.5% 32.9
Slide 36: Balance Sheet
Balance Sheet All amounts in INR Crs • Balance Sheet expanded by 4.6% Q-o-Q Balance Sheet 30-Sep-25 30-Jun-25 30-Sep-24 Q-o-Q % Y-o-Y % driven by growth in Advances and Deposits and offset by 8.8% Q-o-Q reduction in Assets 429,035 410,248 418,092 4.6% 2.6% balances of Deposits placed in lieu of PSL
Slide 37: Break up of Advances & Deposits
Break up of Advances & Deposits All amounts in INR Crs Advances Segmental Break up of Advances2 30-Sep-25 30-Jun-25 30-Sep-24 Q-o-Q % Y-o-Y % • Retail Banking Advances up 2.4% Y-o-Y Retail Banking3^ 120,802 118,981 117,934 1.5% 2.4% • Commercial Banking Advances up 16.5% Commercial Banking 62,430 59
Slide 38: Break up of Investments
Break up of Investments All amounts in INR Crs • Total Net Investments at INR 83,204 Crs Investments Breakup • SLR – INR 71,596 Crs • Non SLR – INR 11,608 Crs • Standard Rated - INR 9,397 Crs: 99.9% Rated AA and above HTM 0.5% • Security Receipts- NIL AFS 5.8% • Others Standard 1- INR 2,211 Crs SLR
Slide 39: NPA Highlights
NPA Highlights All amounts in INR Crs • GNPA Ratio at 1.6% in Q2FY26 flat both on Asset Quality Parameters 30-Sep-25 30-Jun-25 30-Sep-24 Q-o-Q and Y-o-Y basis Gross NPA (%) 1.6% 1.6% 1.6% Net NPA (%) 0.3% 0.3% 0.5% • NNPA Ratio at 0.3% in Q2FY26 flat Q-o-Q Provision Coverage Ratio excl. Technical W/
Slide 40: Summary of Labelled & Overdue Exposures
Summary of Labelled & Overdue Exposures All amounts in INR Crs • Sustained reduction in Standard 30-Sep-25 30-Jun-25 30-Sep-24 Particulars Restructured Advances Gross Provisions Gross Provisions Gross Provisions NPA 4,055 3,284 4,022 3,225 3,889 2,721 • Recovery and Repayments during Other Non Perfo
Slide 41: CET 1 Ratio at 13.9%
CET 1 Ratio at 13.9%1 1 Bank’s Capital Adequacy Ratio 1 15.6% 16.2% 16.1% RWA to Total Assets at 71.7% vs. 1.7% 2.1% 2.9% 72.7% in Q1FY26 and 70.7% in CRAR TIER II Q2FY25 13.9% 14.0% 13.2% CET 1 DTA deduction from Capital - Y-o-Y INR 935 Crs. 30-Sep-25 30-Jun-25 30-Sep-24 2 CET I Q-o-Q Movement in Q
Slide 42: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Rapid Digitalization
Slide 43: Retail Bank: Full spectrum retail bank growing with strong momentum
Retail Bank: Full spectrum retail bank growing with strong momentum All amounts in INR Crs Growth calibration in Retail Advances 1 Pan-India presence via 1,295 117,934 118,125 120,426 118,981 120,802 branches, 235 BC 73% of branches in banking outlets Top 200 deposit and 1,316 ATMs, centers Q2FY25 Q
Slide 44: Branch Banking: Expanding Footprint, Enhanced Digital Cross Sell
Branch Banking: Expanding Footprint, Enhanced Digital Cross Sell & Growth in Granular Deposits All amounts in INR Crs 1 Branch Network 2 Digital Journeys for seamless Customer Acquisition, Servicing & Cross sell Branches BCBO Assisted Digital Onboarding • ~97% eligible SA accounts opened digitally w
Slide 45: Retail Assets: Focus on Profitability enhancement
Retail Assets: Focus on Profitability enhancement All amounts in INR Crs 1 Retail Banking asset disbursements1: Calibration in Product & Sourcing mix 2 Diversified retail book2 Secure d B usi ness Loan s 9,506 9,088 Home L oans 3% 8,047 7,989 8,004 Per son al L oans 5% 6% Comme rci al V ehicle Loans
Slide 46: Rural Assets
Rural Assets Deepening the penetration in emerging rural markets & generating Agri PSL All amounts in INR Crs 1 Business originations 1 2 Robust Farmer financing and Women Microfinance book 1,072 ▪ High quality farmer financing book with NPA of ~2.9% 984 ▪ Calibrated book growth & delinquency manage
Slide 47: Micro Enterprise Banking
Micro Enterprise Banking Catering MSME Market Segment 1 Steady Growth in Funded Book 4 Growth Avenues, Digitization & Product Innovation Y-o-Y growth: 12% Fund Book Statistical Model-Based Scoring implemented across lending programs, enhancing agility in credit 19,546 assessments and enabling faster
Slide 48: Credit Cards: Steady business growth
Credit Cards: Steady business growth 1 Sustained Strong Growth in Cards, Book Size & Card Spends 2 Key Initiatives Q2 FY 26 No of Cards In (‘000s) EMI Option on CC UPI Payments: Book Size in Cr 2,652 Spends in Cr • EMI functionality has been enabled for offline merchant transactions 2,292 conducted
Slide 49: Wholesale Banking: Covering diverse Client Segments
Wholesale Banking Covering diverse Client Segments with deep Product Expertise CORPORATE & INSTITUTIONAL BANKING CLIENT SEGMENTS COMMERCIAL BANKING Large Multinational & New Government Financial Institutions Corporates Economy Corporates Banking Indian Scheduled Commercial & Cooperative Banks, Inter
Slide 50: Corporate & Institutional Banking
Wholesale Banking Business (1) All amounts in INR Crs 1 Corporate & Institutional Banking 3 Providing tailored solutions to clients across business segments Funded O/S Non-Funded O/S 68,657 • Team of 182 Relationship Bankers in 9 cities 66,980 Large • Focus on providing wide suite of banking product
Slide 51: Wholesale Banking Business (2)
Wholesale Banking Business (2) Building sustainable Liability Book • Liquidity Mgmt. for Large and Mid-Corporates • Alignment with Govt. strategy & fund flow to focus on • Exporter Accounts implementing agencies • Real Estate – RERA • Local Bodies, Development Authorities, Smart Cities & Agricultura
Slide 52: Agency Business
Agency Business YES BANK is authorized as an Agency Bank to collect Central & State Tax Payments YES Tax Pay – An integrated collection suite enabling seamless tax payments across government tax portals. • Direct Integration for YES BANK Net Banking Central State YES Tax Pay Channels. (Retail, Corpo
Slide 53: Financial Markets
Financial Markets Customised solutions for clients >15 yrs Remittances 38% Dedicated experienced product sales managers YesFX Currency providing structured hedging solutions Exotics Notes 5-15 yrs Imports Full Yes FxOnline 49% Pan India Presence through sales centres FX Sales Product Suite FX and <5
Slide 54: Professional and Seasoned Management team
Professional and Seasoned Management team Prashant Kumar Managing Director & CEO, YES Bank Niranjan Banodkar Dr. Rajan Pental Manish Jain Chief Financial Officer Executive Director Executive Director Archana Shiroor Dheeraj Sanghi Gaurav Goel Chief Human Resources Officer Country Head - Retail Liabi
Slide 55: Strong people focus: Stable leadership with focus on up-skilling talent
Strong people focus: Stable leadership with focus on up-skilling talent, objective performance management & enabling employee flexibility • Art of Giving Feedback: A learning initiative across businesses / functions promoting a culture of constructive, growth-oriented feedback and continuous improve
Slide 56: Strong Investor base
Strong Investor base Well diversified Investor base: Shareholding Pattern as on September 30, 2025 Category % SUMITOMO MITSUI BANKING CORPORATION FDI 33.4% STATE BANK OF INDIA 24.2% Banks 13.7% VERVENTA HOLDINGS LIMITED Resident Individuals 29.8% LIFE INSURANCE CORPORATION OF INDIA 1 45.4% FPI’s 11.
Slide 57: Contents
Contents India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q2FY26 YES BANK Franchise Digital & Transaction Banking
Slide 58: Digital @ Banking
Digital @ Banking A blend of distinctive capabilities, integrated strategy and multi pronged delivery channels aimed at enhancing skill with better efficiency and profitability Distinctive Capabilities Business Integrated Strategy Multi Pronged Delivery Market Leadership – YBL processes ~1 in 3 ‘Del
Slide 59: IRIS
IRIS A Next Gen ‘all-in-one’ retail SUPER APP 150+ Features live on IRIS 49% 54% 71% ~ 70k App Ratings 42 Lakhs Registered customers Monthly Active Fresh Mutual Fund Credit card EMI Service Requests daily Customers bookings done conversions done processed via IRIS 4.6 6% ▲ ~9 logins per month 18% ▲
Slide 60: IRIS Biz
IRIS Biz A Next Gen ‘all-in-one’ Business SUPER APP 100+ Banking Features across Web & Mobile Payments | Collections | Trade Finance | Supply Chain | Business Loans | Liquidity Mgmt | more.. 3.50 Lakhs + Scan 92,500+ 1.12 Cr + 43,500 + 4300 + to Registered watch Active Customers Transactions Tax Bil
Slide 61: YES PAY NEXT
YES PAY NEXT A Next Gen ‘UPI’ Payment App UPI Payments | Bill Payment & Recharge | UPI Lite | Autopay Available in 2 languages | Gift cards, Vouchers & more... App store ratings 46 Lakhs + 16% 4.6 Registered customers Quarterly Growth in User Base 4.8 Top plugin partners - Swiggy | Zerodha Coin |Ann
Slide 62: YES Pay Biz
YES Pay Biz One Stop Solution for Merchants Collect | Manage | Grow 190,000+ 1.2 X 900 Cr+ App Store Ratings- Registered Merchants QoQ Throughput Growth Monthly transactions value 4.3 On demand Instant Settlements | Multiple Collection Modes| Sub-User Management |Available in 6 languages 61 61
Slide 63: YES Connect: Enriched Customer Experience
YES Connect : Enriched Customer Experience B2B Marketplace API’fication of our Marketplace model Sachetisation of Solutions across Industry Segments (YES BANK + Partner Offerings) YES Bank Services Partner Services Smart FinTechs Collections E-Invoicing Remittances Retailers Exchange Houses Cardless
Slide 64: Ecosystem Partners
Ecosystem Partners Digitizing client journeys & creating inorganic client acquisition funnel through Fintech partnerships Partnership roadmap of Digital & Transaction Banking Source Digital Onboard Digital Transact Digital Service Phygital Monitor Digital ▪ Digital Acquisition at ▪ Digital Client On
Slide 65: Strategically leverage Public Digital Infrastructure
Strategically leverage Public Digital Infrastructure Contributing to building new-age India through collaboration on Key Digital Initiatives Digital Initiatives Principle Objectives YES Differentiators Consent Layer for Data sharing system making Curated & Expansive offerings Account Aggregator (AA)
Slide 66: Powering Digital India with our Distinctive Capabilities
Powering Digital India with our Distinctive Capabilities #1 UPI Payee PSP Bank Powering ~ 351mn txn daily #2 UPI Payer PSP Bank Powering ~193 mn txn daily CAGR 66% (Q4FY22 Q2FY26) CAGR 38% (Q4FY22 Q2FY26) 55% 57% 55% 54% 39% 35% 33% 33% 40% 32% 32% 38% 30% 36% 34% 27% % Credit Cards Issued Digitally
Slide 67: Transaction Banking
Transaction Banking Leveraging the strength of solutioning, leading to granular CASA, LC, Guarantees, FX Sachetisation of Transaction Banking: Curated Solutioning by Client Segments STRENGTHENING FRANCHISE Market Leadership – YBL Large Corporates FinTech & processes 1 in 3 Digital Payment Exchange H
Slide 68: Thank You
~/ YES BANK Thank You