Yes Bank Limited · NSE:YESBANK
Yes Bank — Q4 FY26 Earnings Presentation
65 slides from Yes Bank's earnings presentation, Apr 18, 2026
Slide 1: Cover letter to stock exchanges
✓vESBANK YBL/CS/2026-27/14 April 18, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Corporate Relations Department Plot no. C/1, G Block, P.J. Towers, Dalal Street Bandra - Kurla Complex Mumbai – 400 001 Bandra (E), Mumbai - 400 051 BSE Scrip Code: 532648 NSE Symbol: YESBA
Slide 2: Q4FY26 & FY26 - Key Highlights
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
Slide 3: Q4FY26 & FY26 - Financial Highlights
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.
Slide 4: Asset Quality and Other Highlights/Achievements
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% Q4FY
Slide 5: Financial Highlights – Q4FY26 & FY26 Results
Financial Highlights – Q4FY26 & FY26 Results Profit & Loss Statement Highlights (INR Crs) Q4FY26 Q3FY26 Growth % Q4FY25 Growth % FY26 FY25 Growth % Net Interest Income 2,638 2,466 7.0% 2,276 15.9% 9,776 8,944 9.3% Non-Interest Income 1,730 1,633 6.0% 1,739 -0.5% 6,759 5,857 15.4% Total Net Income 4,
Slide 6: Investor Presentation Q4FY26 & FY26 Financial Results
INVESTOR PRESENTATION Q4FY26 & FY26 Financial Results April 18, 2026
Slide 7: Contents
✓vESBANK Contents Financial .____L__ Results _ – Q4FY26 _&_ FY26 _ _ _ _/ YES BANK Franchise 2
Slide 8: Results At a Glance – Q4FY26 & FY26
Results At a Glance – Q4FY26 & FY26 ✓vESBANK All figures in INR Crs Arrows indicative of Q-o-Q Trends for Q4FY26 & Y-o-Y trends for FY26 Total Assets Advances Deposits CD Ratio Advances Mix Disbursement1 Retail: Commercial: Corp. & Inst. Banking (CIB) 33,224 Q4FY26 469,105 273,445 318,969 85.7% v/s.
Slide 9: Balance Sheet Highlights for Q4FY26 & FY26 (1)
Balance Sheet Highlights for Q4FY26 & FY26 (1) ✓vESBANK Advances & Deposits ▪ 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 •
Slide 10: Balance Sheet Highlights: Asset Quality, RIDF & Capital Position
Balance Sheet Highlights for Q4FY26 & FY26 (1) ✓vESBANK Asset Quality, RIDF & Capital Position ▪ 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 I
Slide 11: P&L Highlights- Q4FY26
P&L Highlights- Q4FY26 ✓vESBANK 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 a
Slide 12: P&L Highlights- FY26
P&L Highlights- FY26 ✓vESBANK 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 tractio
Slide 13: Key Achievements/ Initiatives- Q4FY26
Key Achievements/ Initiatives- Q4FY26 ✓vESBANK 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 In
Slide 14: Profit and Loss Statement
Profit and Loss Statement ✓vESBANK All amounts in INR Crs ▪ Net Profit for Q4Y26 at INR 1,068 Crs up Quarter Ended Growth Year Ended Growth 44.7% Y-o-Y & 12.3% Q-o-Q. FY26 Net Profit and Loss Statement Q4FY26 Q3FY26 Q4FY25 Q-o-Q Y-o-Y FY26 FY25 Y-o-Y Profit at INR 3,476 Crs up 44.5% Y-o-Y Net Intere
Slide 15: Break Up of Non-Interest Income
Break Up of Non-Interest Income ✓vESBANK All amounts in INR Crs • Non-Interest Income at INR 1,730 Crs Quarter Ended Growth Year Ended Growth up 6.0% Q-o-Q and down 0.5% Y-o-Y. Break up of Non Interest Income FY26 Non-Interest Income at INR 6,759 1 Q4FY26 Q3FY26 Q4FY25 Q-o-Q Y-o-Y FY26 FY25 Y-o-Y Cr
Slide 16: Break up of Operating Expenses
Break up of Operating Expenses ✓vESBANK All amounts in INR Crs • Sustained control on Operating costs Quarter Ended Growth Year Ended Growth Break up of Operating Expenses during Q4FY26, enabled continued Q4FY26 Q3FY26 Q4FY25 Q-o-Q Y-o-Y FY26 FY25 Y-o-Y improvement in C/I ratio Manpower Cost 1,184 1
Slide 17: Provisions and P&L
Provisions and P&L ✓vESBANK All amounts in INR Crs • Provision Costs (non-tax) at INR 188 Crs for Quarter Ended Growth Year Ended Growth Break up of Provisions Q4FY26 down 41.0% Y-o-Y. FY26 Non-tax Q4FY26 Q3FY26 Q4FY25 Q-o-Q Y-o-Y FY26 FY25 Y-o-Y Provisions at INR 912 Crs down 16.0% Y-o-Y Operating
Slide 18: Balance Sheet
Balance Sheet ✓vESBANK All amounts in INR Crs • Balance Sheet expanded by 10.8% Y-o-Y driven by growth in Advances and Balance Sheet I 31-Mar-26 I 31-Dec-25 I 31-Mar-25 I Q-o-Q % I Y-o-Y % Deposits, and offset by 24.5% reduction in Assets 469,105 426,007 423,422 10.1% 10.8% balances of Deposits plac
Slide 19: Break up of Advances & Deposits
Break up of Advances & Deposits ✓vESBANK All amounts in INR Crs Advances 2 Segmental Break up of Advances • FY26 Advances up 11.1% Y-o-Y v/s 8.1% 3 I 31-Mar-26 I 31-Dec-25 I 31-Mar-25 I Q-o-Q % I Y-o-Y % in FY25 Retail Banking ^ 126,056 120,865 120,426 4.3% 4.7% • Retail Banking Advances up 4.7% Y-o
Slide 20: Break up of Investments
Break up of Investments ✓vESBANK All amounts in INR Crs ▪ Total Net Investments at INR 88,140 Crs Investments Breakup • SLR – INR 80,549 Crs • Non SLR – INR 7,591 Crs • Standard Rated - INR 5,341 Crs: HTM 0.5% 99.9% Rated AA and above • Security Receipts- NIL • Others Standard 1- INR 2,250 Crs AFS 6
Slide 21: NPA Highlights
NPA Highlights ✓vESBANK All amounts in INR Crs • GNPA Ratio at 1.3% in Q4FY26 down 20 Asset Quality Parameters 31-Mar-26 31-Dec-25 31-Mar-25 bps on Q-o-Q and 30 bps on Y-o-Y basis. Gross NPA (%) 1.3% 1.5% 1.6% • NNPA Ratio at 0.2% in Q4FY26 down 10 Net NPA (%) 0.2% 0.3% 0.3% bps vs both Q-o-Q and Y-
Slide 22: Summary of Labelled & Overdue Exposures
Summary of Labelled & Overdue Exposures ✓vESBANK All amounts in INR Crs 31-Mar-26 31-Dec-25 31-Mar-25 • Sustained reduction in Standard Particulars Gross Provisions Gross Provisions Gross Provisions Restructured Advances NPA 3,605 2,952 4,015 3,343 3,936 3,135 • Recovery and Repayments during Q4FY26
Slide 23: CET 1 Ratio at 13.8%
CET 1 Ratio at 13.8% 1 ✓vESBANK • 1 Bank’s Capital Adequacy Ratio 1 15.6% 15.3% 15.5% RWA to Total Assets at 69.7% vs. 1.5% 1.6% 2.1% D CRAR 73.9% in Q3FY26 and 71.3% in ■ TIER II Q4FY25 ■ CET 1 13.8% 13.9% 13.5% CET 1 accretion from DTA - Q-o-Q INR 292 Crs. (+9 bps) • 31-Mar-26 31-Dec-25 31-Mar-25
Slide 24: Contents
✓vESBANK Contents Financial Results – Q4FY26 & FY26 _L _ _ _ _/ YES BANK Franchise 19
Slide 25: India's New-Age Private Sector Bank
India’s New-Age Private Sector Bank ✓vESBANK INR 2.73 Lakh Crs| 72% Diversified INR 3.19 Lakh Crs | 58% Loan Book | Share of Retail & Commercial Bank2 ◄ Balance Sheet ► Total Deposits | Share of Retail and Branch Banking led Deposits Digital Leadership Processes every 1 in 3 Digital Transactions in
Slide 26: Strong Institutional Sponsorship- catalyst for next phase of Growth
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 ■ SMBC 24.9% stake from SBI, other Investor Banks1 and separately fro
Slide 27: Retail Bank
Retail Bank ✓vESBANK Full spectrum retail bank growing with strong momentum All amounts in INR Crs Growth calibration in Retail Advances 1 kl Pan-India presence via 1,334 126,056 120,426 118,981 120,802 120,865 branches, 249 BC 74% of branches in banking outlets Top 200 deposit and 1,364 ATMs, cente
Slide 28: Retail Assets
Retail Assets Focus on Profitability enhancement ✓vESBANK All amounts in INR Crs •1 Retail Banking asset disbursements1: Calibration in Product & Sourcing mix ■ Secured Disb % ■ Unsecured Disb % • .. 2 Diversified retail book2 Secured Business Loans Personal Loans 9,088 8,004 9,510 9,187 12,796 . Ho
Slide 29: Micro Enterprise Banking
Micro Enterprise Banking ✓vESBANK Catering MSME Market Segment • 1 Steady Growth in Funded Book Y-o-Y growth: 11% • 4 Growth Avenues, Digitization & Product Innovation 20,933 ,, 1::=1 ✓- ✓- ':I Launched a new cashflow-based lending product “GST FinFast” leveraging GST and Banking data, with defined
Slide 30: Rural Assets
Rural Assets ✓vESBANK Deepening the penetration in emerging rural markets & generating Agri PSL All amounts in INR Crs • 1 Business originations 1 929 928 1,072 1,120 1,321 • 2 Robust Farmer financing and Women Microfinance book ▪ ▪ High quality farmer financing book with NPA of ~3% The women microf
Slide 31: Credit Cards
Credit Cards Steady business growth ✓vESBANK • 1 Sustained Strong Growth in Cards, Book Size & Card Spends No of Cards In (‘000s) ■ Book Size in Cr 2,897 • 2 Key Initiatives Q4 FY 26 EMI Capability: ■ Spends in Cr ..... • Capability for EMI authorization extended to unsettled 2,431 transactions impl
Slide 32: Retail Slippages – Significant Improvement
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 - 1,056 Retail Segment Slippages 1,179 1,174 1,101
Slide 33: Branch Banking
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] ■ Branches ■ BCBO 2 Digital Journeys for seamless Customer Acquisition, Servicing & Cross se
Slide 34: Maximizing Branch Distribution as Fulcrum of Business
Maximizing Branch Distribution as Fulcrum of Business ✓vESBANK Leveraging existing (and growing) network to offer full spectrum of products All amounts in INR Crs Branch Banking led Deposits: 16.1%CAGR (Q4FY24-Q4FY26) Deposits Outperformance in Branch Banking – even Branch led sourcing of Assets and
Slide 35: Deposits Metrics continue steady gains
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 Total Deposits • YBL CASA YES BANK CASA Ratio Industry CASA Ratio YBL CAGR 16
Slide 36: Significant progress on ensuring PSL compliance
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 t
Slide 37: Wholesale Banking
Wholesale Banking ✓vESBANK Covering Diverse Client Segments with Deep Product Expertise CORPORATE & INSTITUTIONAL BANKING CLIENT SEGMENTS COMMERCIAL BANKING Large Financial Multinational & New Government Corporates Institutions Economy Corporates Banking Indian Commercial & Cooperative Banks, Indian
Slide 38: Corporate & Institutional Banking
Wholesale Banking Business (1) ✓vESBANK All amounts in INR Crs 1 Corporate & Institutional Banking 3 Providing tailored solutions to clients across business segments ---"--- . - - - - - - ....a..--- . - - - - - ■ Funded O/S ■ Non-Funded O/S • Team of 185 Relationship Bankers in 9 cities Large 84,125
Slide 39: Wholesale Banking Business (2)
Wholesale Banking Business (2) ✓vESBANK Building sustainable Liability Book • Custody Fund Accounting for MF, AIF, PMS clients; PCM • Comprehensive product suite for Corporates & • Capital Market Ecosystem – Brokers–POA–BTI link Conglomerates • X-Border : Exchange Houses / PA-CB • API Banking, Phy-G
Slide 40: Large Corporates
Large Corporates ✓vESBANK Strategic Pillars Focus Sectors Product Capabilities • Growth through new client acquisitions as well as • Renewable Energy • Metals & Mining Full-Suite Product Coverage deepening in existing clients • Electric Mobility • Logistics & Lending • High focus on improving relati
Slide 41: Financial Institutions
Financial Institutions ✓vESBANK Non Banking Financial Company Domestic Banks & FIs • Sustainable asset book building in well rated/ retail focused NBFC’s • Relationship coverage with Domestic Banks & FIs • Priority Sector Lending • Resource raising in the form of Borrowings & Refinance • Facilitatin
Slide 42: Multinational and New Economy Corporates
Multinational and New Economy Corporates ✓vESBANK • Preferred bank for Unicorns, Soonicorns • Digital and Transaction Banking • Superior digital and Transaction Banking Locations covered Unicorns/ offerings Marquee MNCs Solutions Soonicorns • Supply Chain financing • 24x7 Transaction processing at S
Slide 43: Government Banking
Government Banking ✓vESBANK Enabling Government for settlement & disbursement • Central Ministries • State Governments - Government Fund Flow Management Performance & Quick Turnaround in Solution Identification, Customisation & Delivery Implementation • Local Governments – Urban Local Bodies, Distri
Slide 44: Commercial Banking
Commercial Banking ✓vESBANK Leverage anchor-led fl Growth led by NTB and X-sell Knowledge Sectors – Pharma, - higher wallet share and productivity ltl Chemicals, Auto ancillary, Logistics, Metals ecosystems (dealer/ distributor financing) Strong coverage – presence in 62 key locations TI_ I Laser Sh
Slide 45: Financial Markets
Financial Markets ✓vESBANK 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
Slide 46: Project Finance, Real Estate & Loan Syndication
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 Ide
Slide 47: IFSC Banking Unit - GIFT City
IFSC Banking Unit - GIFT City ✓vESBANK Global gateway for financial and investment activities 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,
Slide 48: Knowledge Banking & Advisory
Knowledge Banking & Advisory ✓vESBANK Leveraging knowledge as a competitive differentiator 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, Urba
Slide 49: Digital and Transaction Banking
Digital and Transaction Banking ✓vESBANK 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
Slide 50: Transaction Banking
Transaction Banking ✓vESBANK Comprehensive product proposition with market leadership in Digital products Full Spectrum Banking across Industry Segments Cash Management Trade Finance Fiduciary Channel Products Government Non-Fund Fund Flow Digital Specialized Services PFMS – Fund API Banking Remitta
Slide 51: IRIS
IRIS ✓vESBANK A Next Gen ‘all-in-one’ retail SUPER APP 250+ Features live on IRIS 44% 55% 72% ~ 1.9 Lakh App Ratings 46 Lakhs Registered customers Monthly Active Contribution to total Contribution to total Service Requests Customers MF purchases CC EMI conversions processed daily 4.7 4% ▲ ~9 logins
Slide 52: IRIS Biz
IRIS Biz ✓vESBANK 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.. 4.5 Lakhs + Scan 1,37,000 + 2.2 Cr + 1,26,000 + 9,750 + to Registered watch Active Customers Transac
Slide 53: YES PAY NEXT
YES PAY NEXT ✓vESBANK 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 58 Lakhs + 11% 4.6 Registered customers Quarterly Growth in User Base 4.8 Top plugin partners - Swiggy | Zerodha
Slide 54: YES Pay Biz
YES Pay Biz One Stop Solution for Merchants ✓vESBANK Collect | Manage | Grow App Store Ratings- 450,000+ 1.5 X 2200 Cr+ 3.8 Registered Merchants QoQ Throughput Growth Monthly transactions value 5.0 On demand Instant Settlements | Multiple Collection Modes| Sub-User Management |Available in 6 languag
Slide 55: API Banking Strategy: Enriched Customer Experience
API Banking Strategy : Enriched Customer Experience ✓vESBANK ► 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
Slide 56: Digitizing client journeys through Fintech partnerships
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 ▪
Slide 57: Powering Digital India with our Distinctive Capabilities
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% 57% 39% 55% 54% 55% 36%
Slide 58: Agency Business
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 Central State Mandates Mandates Direct Integration for YES BANK Net Integr
Slide 59: Responsible franchise with sustainability at its core
Responsible franchise with sustainability at its core ✓vESBANK Robust ESG & Climate Governance Performance on ESG Ratings 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 sustainab
Slide 60: Robust Governance Structure – Board Members
Robust Governance Structure – Board Members ✓vESBANK 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
Slide 61: Professional and Seasoned Management team
Professional and Seasoned Management team ✓vESBANK Vinay M. Tonse* (Managing Director & CEO) Niranjan Banodkar Chief Financial Officer Dr. Rajan Pental Manish Jain Executive Director Executive Director Archana Shiroor Dheeraj Sanghi Gaurav Goel Chief Human Resources Officer Country Head - Retail Lia
Slide 62: 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 Strengthen leadership and behavioral capabilities for high performance. ✓vESBANK • Leadership Development & Future-Ready Talent: As part of our continued commitme
Slide 63: Credit Rating
Credit Rating ✓vESBANK 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 (Long-term) Outlook Short-term • Imp
Slide 64: Awards & Accolades
Awards & Accolades ✓vESBANK A reflection of YES BANK's commitment to excellence , --:::=!::::::-, ' !«a,\\\ I\ rml'HESF.lR .. EHRlPRl\U R ' ·\@J/ I --- --- - t . ..... t.llY&6W,I.QOS- - ~.J~MI' "AWARDS - Fra ud & C .-cd ic Ri s k ___ .... M a n age m ent Smn1:nit -- ........... ,...,a... .,.. & AWAR
Slide 65: Thank You
✓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 i