Yes Bank Limited · NSE:YESBANK
Yes Bank — Investor Presentation (June 2026)
75 slides from Yes Bank's investor presentation, Jun 1, 2026
Slide 1: Submission of Investor Presentation (exchange cover letter)
✓vESBANK YBL/CS/2026-27/038 June 01, 2026 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: 5326
Slide 2: Investor Presentation May 2026
INVESTOR PRESENTATION May 2026
Slide 3: Disclaimer
Disclaimer ✓vESBANK 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. Ce
Slide 4: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 3
Slide 5: India growth likely resilient in FY27
✓vESBANK India growth likely resilient in FY27 IMF growth forecasts for 2026 & 2027 FAE expects FY26 growth at 7.4%, RBI lowers FY27 growth rate Real GDP (% YoY) 2025 2026 2027P 12.0 9.7 9.2 10.0 8.0 8.3 Advanced Economies 1.7 1.8 1.7 7.4 7.6 7.4 6.9 8.0 6.4 6.8 6.5 6.5 5.5 6.0 Emerging Market Econo
Slide 6: Inflation to rise due to supply side factors
Inflation to rise due to supply side factors ✓vESBANK IMF inflation forecasts for 2026 & 2027 India’s retail inflation averaged 2.1% in FY26 %YoY Inflation (% YoY) 9 2024 2025 2026P 2027P 8 Inflation Targeting Band 7 Upper end Advanced Economies 2.6 2.5 2.7 2.2 6 5 Emerging Market Economies 7.9 5.3
Slide 7: Banking system in India remains resilient (1/2)
Banking system in India remains resilient (1/2) ✓vESBANK 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 Advan
Slide 8: Banking system in India remains resilient (2/2)
Banking system in India remains resilient (2/2) ✓vESBANK Gross advances continue to increase (INR lakh Crs) 200.0 180.0 160.0 140.0 19% 25% 20% 9.6% - Decadal best Asset Quality … Gross NPA 9.2% • • Net NPA Key levers: Corporate segment - IBC has been a game changer with reduction in resolution cycl
Slide 9: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 8
Slide 10: 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 11: 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 12: 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 13: 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 14: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 13
Slide 15: Unique Turnaround Story: An Analysis (1)
Unique Turnaround Story: An Analysis (1) ✓vESBANK 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 Slippag
Slide 16: Unique Turnaround Story: Credit Rating (3)
Unique Turnaround Story: An Analysis – Credit Rating (3) ✓vESBANK International Rating Long-term Outlook Short-term Key Elements Driving Rating Changes Moody's Investors Service Ba1 Stable Not Prime • Strategic Investment & Governance • Robust capitalization Domestic Rating Basel III Tier II & Infra
Slide 17: Unique Turnaround Story: An Analysis (4)
Unique Turnaround Story: An Analysis (4) Shareholding Pattern Evolution ✓vESBANK Part of BSE Sensex 30, Nifty 50, Bank Nifty, MSCI India, Part of Bank Nifty, BSE Next 50, BSE 100, Nifty Midcap Excluded from all major indices MSCI EM, MSCI ESG EM, FTSE4Good 50, MSCI India, MSCI EM, MSCI ESG EM, FTSE4
Slide 18: Unique Turnaround Story: Deposits and Liquidity (5)
Unique Turnaround Story: Deposits and Liquidity (5) ✓vESBANK 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
Slide 19: Unique Turnaround Story: Advances & Borrowings (6)
Unique Turnaround Story: Advances & Borrowings (6) ✓vESBANK 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… ■ Retail + Commercial ■ Corporate 102.4% 27.0% 25.0% 26.3% 28.3% 40.0% 48.9% 91.8% 92.0% 8
Slide 20: Unique Turnaround Story: PSL Shortfall Deposits (7)
Unique Turnaround Story: PSL Shortfall Deposits (7) ✓vESBANK All figures in INR Crs 7.8% --- PSL Shortfall – Nil across sub categories SMF 8.4% NCF WS PSL Shortfall Deposit balance peaked, substantial increase basis past shortfall 50,000 45,000 - PSL Shortfall Deposits % of Total Assets 44,087 37,01
Slide 21: Unique Turnaround Story: Capital (8)
Unique Turnaround Story: Capital (8) ✓vESBANK All figures in INR Crs Demonstrated ability to raise capital despite headwinds; RoE to fund growth ahead New Capital Raised1 (INR crs) 15,000 10,000 6,042 FY20 FY21 FY22 FY23 FY24 - 2,845* FY25 * Warrant conversion FY26 Reduction in RWA / Total Assets CE
Slide 22: Unique Turnaround Story: Asset Quality (9)
Unique Turnaround Story: Asset Quality (9) ✓vESBANK 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: 1,537 Crs)1 35,000 30,000 25,000 28,610 27,976 GNPA GNPA % 25.00% 20.00% 12,000 10,000 8,000 9,81
Slide 23: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 22
Slide 24: Balance Sheet Structure: Implications for P&L
Balance Sheet Structure: Implications for P&L Legacy issues in the Balance Sheet structure. However, consistent improvement over last few years ✓vESBANK YES BANK Mid Sized Private Banks Large Private Banks As % of Assets As % of Assets As % of Assets FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24
Slide 25: P&L Structure: Comparison to peers
P&L Structure: Comparison to peers ✓vESBANK YES BANK Mid Sized Private Banks Large Private Banks As % of Assets As % of Assets As % of Assets FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 Focus on higher-yielding Interest Income 6.7% 7.3% 7.5% 6.8% Interest Income 8.5% 9.3% 9.5% 8.7% I
Slide 26: Recent Progress on RoA has been encouraging
Recent Progress on RoA has been encouraging ✓vESBANK Strategic intervention over last 6-8 quarters have started reflecting in outcomes Dupont Ratios FY23 FY24 FY25 FY26 Q4FY26 NII/ Avg. Assets 2.4% 2.1% 2.2% 2.2% 2.4% Non Interest Income/ Avg. Assets 1.1% 1.3% 1.4% 1.5% 1.5% Total income/ Avg. Asset
Slide 27: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 26
Slide 28: 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 29: 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 30: Balance Sheet Highlights for Q4FY26 & FY26 (1)
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 31: 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 32: 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 33: 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 34: 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 35: 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 36: 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 37: 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 38: 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 39: 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 40: 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 41: 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 42: 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 43: CET 1 Ratio at 13.8%
1 ✓vESBANK CET 1 Ratio at 13.8% • 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 44: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 43
Slide 45: Retail Bank
Retail Bank Full spectrum retail bank growing with strong momentum ✓vESBANK 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 46: 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 47: Micro Enterprise Banking
Micro Enterprise Banking Catering MSME Market Segment ✓vESBANK • 1 Steady Growth in Funded Book Y-o-Y growth: 11% • 4 Growth Avenues, Digitization & Product Innovation 20,933 ,, I 1::=1 ~= ': I Launched a new cashflow-based lending product “GST FinFast” leveraging GST and Banking data, with defined
Slide 48: Rural Assets
Rural Assets Deepening the penetration in emerging rural markets & generating Agri PSL ✓vESBANK 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 49: 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 50: 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 51: 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 52: Wholesale Banking: Covering Diverse Client Segments
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 53: Corporate & Institutional Banking – Wholesale Banking Business (1)
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 54: 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 55: 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 56: 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 57: 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 58: 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 59: 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 60: 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 61: 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 62: 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 63: 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 64: Contents
Contents ✓vESBANK India : Fastest Growing Major Economy YES Bank – India’s New Age Private Sector Bank Unique Turnaround Profitability Trajectory Financial Results – Q4FY26 & FY26 YES BANK Franchise Digital & Transaction Banking 63
Slide 65: 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 66: 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 67: IRIS
IRIS A Next Gen ‘all-in-one’ retail SUPER APP ✓vESBANK 250+ Features live on IRIS 44% 55% 72% ~ 1.9 Lakh App Ratings 46 Lakhs 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 68: IRIS Biz
IRIS Biz A Next Gen ‘all-in-one’ Business SUPER APP ✓vESBANK 100+ Banking Features across Web & Mobile Payments | Collections | Trade Finance | Supply Chain | Business Loans | Liquidity Mgmt | more.. 4.5 Lakhs + Scan 1,37,000 + 2.2 Cr + 1,26,000 + 9,750 + to Registered watch Active Customers Transac
Slide 69: YES PAY NEXT
YES PAY NEXT A Next Gen ‘UPI’ Payment App ✓vESBANK UPI Payments | Bill Payment & Recharge | UPI Lite | Autopay Available in 2 languages | Gift cards, Vouchers & more... App store ratings 58 Lakhs + 11% 4.6 Registered customers Quarterly Growth in User Base 4.8 Top plugin partners - Swiggy | Zerodha
Slide 70: 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 71: 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 72: 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 73: 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 74: 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 75: Thank You
~/ YES BANK Thank You