INVESTOR PRESENTATION

Q4FY18 & FY18 Update

 Large Bank Growth Phase (FY15-20):
Strong Growth with increasing Granularity

✓ 4th Largest# Private Sector Bank with Total Assets Core Retail to Total Advances CASA Ratio
in excess of ` 3 Trillion (USD 48.0 Bn) 36.3% 36.5%
USD Billion
12.2%
10.8% 28.1%
9.1% 9.4%
✓ One of the Fastest Growing Large Bank in India; 23.1%
▪ CAGR (FY15-18): Advances: 39%; Deposits: 30%

✓ Core Retail Advances grew by 122% CAGR

31 31
(FY15-18) to constitute 12.2% of Total Advances 20 22
15 14 17
12
✓ CASA growing at 51% CAGR (FY15-18) to
constitute 36.5% of Total Deposits. Advances Deposits

# Data as on Dec, 2017 FY15 FY16 FY17 FY18

YES Bank Advances CAGR (FY15-18) of 39% V/s Industry CAGR of 8%* resulting in Increasing Market Share
✓ Growth well spread across segments including lending to
Higher Rated Customers resulting in consistently Improving Market Share Deposits 1.7%*
Rating Profile. 1.2% 1.3%
1.0%
✓ Advances Market Share more than doubled in 3 years to 2.4%*;
▪ Capturing Incremental Market Share at 9.2%* (FY18) Market Share Advances
1.7% 2.4%*
✓ Deposits Market Share increased by 70% in 3years to 1.7%*; 1.1% 1.4%
▪ Capturing Incremental Market Share at 6.9%* (FY18)
FY15 FY16 FY17 FY18
* Market Share Data as per RBI Provisional figures as on 30th Mar, 2018
2
 Large Bank Growth Phase (FY15-20):
Sustained Profit Delivery with Best in Class Return Ratios

• Amongst TOP 5 Profitable Banks* USD Million Increasing Income and Expanding NIMs
3.5%
• One of the lowest C/I ratio among Private banks and
PSBs* 3.4%
3.4%
3.2% 803
• Healthy Return Ratios with RoA > 1.5% and RoE > 639
17% consistently over the last 10 years 417
315 1,190
• CAGR (FY15-18): 702 891
536
• Net Interest Income: 30%
• Non Interest Income: 37% FY15 FY16 FY17 FY18
• Net Profit: 28%
Net interest income Non interest income
*Data as of 9MFY18

Increasing Profit with Cost Efficiencies

USD Million Healthy Return Ratios
800 41.3% 40.9% 41.4% 42.0%
40.2% 2.0% 26.0%
1.7% 1.8%
600 39.0% 1.6% 1.6%
22.0%
1.6%
400 36.0% 21.5%
19.9% 18.0%
649 19.0%
512 1.2% 17.7%
200 390 33.0% 14.0%
308
- 30.0% 0.8% 10.0%
FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18

Net profit Cost to income Return on assets Return on equity

3
QUARTERLY HIGHLIGHTS

4
Key Highlights for Q4FY18 & FY18
Large Bank Growth Phase Milestones: Well Segmented & Granular Growth
45.3% Y-o-Y Growth in B/S size
Crossed `3.0 Tn
IBU Assets Crossed US$ 2.5 Bn
Strong Earnings Delivery in Q4FY18 and FY18
33.5% & 31.4% Y-o-Y
Growth in NII for FY18 & Q4FY18
Healthy Asset Quality with Improving Outlook
1.28% GNPA & 0.64% NNPA Ratio
Down from 1.72% & 0.93% in Q3FY18
Leadership Position in Digital Space Continues
Top Remitter Bank within Peer
Group and #2 across Industry
Volume growth of 155% y-o-y
as per NPCI
53.9% Y-o-Y Growth in ADVANCES
Crossed `2.0 Tn
Core Retail Banking Assets of 12.2%
26.9% & 29.0% Y-o-Y
Growth in PAT for FY18 and Q4FY18
0.92% Net Security receipts
0.16% Standard Restructured Exposure
Down from 1.06% and 0.42% in Q3FY18
respectively
Largest market Share of
72% market share in
UPI merchant payments
40.5% Y-o-Y Growth in DEPOSITS
Crossed `2.0 Tn
CASA Ratio of 36.5%
1.6% RoA & 17.7% RoE for FY18
Delivering Consistent Shareholder
returns.
13 bps & 76 bps Credit Cost
For Q4FY18 and FY18 respectively
Ministry of Ranked #2 in performance
Electronics & on Digital payments across
Information
Public, Private, Foreign &
Technology
Payment Banks – For FY18
5
 Income Growth Trends

Robust Earnings Delivery USD million Net interest income Non interest income
331
✓ Strong growth in NII of 31.5% for Q4FY18, driven by 350
290 290
growth in Advances of 53.9% y-o-y 300 278
252
250 219 218
✓ NIMs continue to be healthy at 3.4% in Q4FY18 193 192
200 174
✓ Non-Interest income growth of 13.0% for Q4FY18 despite 150
lower gains from Sale of Investments in FY18 v/s FY17. 100
50
✓ Improving Cost Efficiencies resulting into increasing
Profits, y-o-y growth of 29.0% in Q4FY18. -
Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18

USD million Operating profit Net profit

Yield on advances Cost of funds NIM (RHS)
350 328
12.0% 6.0% 308
10.7% 10.4% 293
10.2% 9.8% 9.9% 300 260 262
5.0% 250
8.0% 181
6.3% 6.2% 6.1% 6.0% 6.0% 200 166
141 148 154
4.0% 150
4.0% 3.6% 3.7% 3.7% 100
3.5% 3.4% 3.0%
50

0.0% 2.0% -
Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18

Consistent growth in Operating profit coupled with increasing Margins and Spreads
6
 Non Interest Income Trends

Healthy growth across Transactional Corporate, Trade, CMS and Granular Retail Fees
250
217 218
200 192 191
173
99
USD million

73 111
150 90 63

100 27
36 50 54 37
37
50 18 21 22 24
48 40 42 45 53
0
Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18
Retail Banking Fees Corporate Trade & Cash Management Forex, Debt Capital Markets & Securities Corporate Banking Fees

60

50 7
7
USD million

6 8
40 5
12 5 7
8 8
30 10 4
5
10 10
20 4 10 12
7 7
10 20
12 12 15 16
0
Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18
Trade & Remittance Facility / Processing Fee Third Party Sales Interchange Income General Banking Fees

Robust growth in Retail fees on the back of rapidly expanding retail franchise
7
 Key Balance Sheet Growth Trends

Well Segmented Growth

USD Bn Incremental As % of Total Advances
Growth Growth Mix As on 31st March, 2018
3.8 Corporate Banking
99% 17% 67.9%
34% 6.4 16% Medium Enterprises
9.7%
1.9 139% 2.2 12% 10.2%
4.6 Small and Micro
12.2%
0.9 Enterprises
47% 55%
18.9 Retail Banking
12.8

FY17 FY18 Retail Asset Breakup

Corporate IBU MSME Retail

Robust growth attributed to Strong Performance across Segments 16% MLG : HL, LAP, Affordable Housing

11% BELG : Construction Equipment,

✓ Corporate growth well segmented across 8 Relationship Healthcare Finance
groups and lending to Higher Rated corporates. CLG : Personal Loan, Gold Loan, Loan
Against Shares, Business Loan
▪ IBU Advances has grown 139% in FY18 to USD 2.2 Bn VLG : Auto Loan, Commercial Vehicle,
Inventory Funding
✓ MSME witnessing strong growth as effects of Demonetization 28% 40% SHG and JLG
and GST have subsided
✓ Retail Disbursements increased by over 80% to ~USD 1 Bn in MLG: Mortgage Loan Group
5% BELG: Business Equipment Loan Group
Q4FY18 v/s Q4FY17
CLG: Consumer Loan Group
VLG: Vehicle Loan Group 8
 Well-diversified Liability Franchise
USD Million YoY growth: CA 51%; SA 35% USD Million YoY growth: Retail TDs 16%
38.0% 7,000 30.0%
12,000 37.2% 40.0% 25.2% 25.0%
36.3% 36.8% 36.5% 24.5%
22.9%
10,000 20.7%
35.0% 6,000
8,000 6,819 20.0%
6,562
6,000 5,645 5,999 30.0% 5,000
5,040
6,416
4,000 5,784 5,951 6,053
5,538 10.0%
25.0% 4,000
2,000 3,475 4,432
2,935 2,844 3,030
0 20.0%
3,000 0.0%
Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18
Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18
CA SA CASA (% of Dep) Retail TD Retail TD (% of Dep)

Improving Operating Leverage further contributing to robust growth in granular deposits

USD Million Leveraging Investment in Branches

10.2 ✓ Increase in CASA driven by increase in Operating
8.0 leverage, Outreach and Superior Product Offerings .
5.1 5.6

March'15 March'16 March'17 March'18

CASA/Branch
Bank to overachieve CASA target of 40%, by 2020
9
Strong Risk Management Framework

Knowledge Superior Joint Delegation

Portfolio
Banking Structuring & Approval
Analytics
Committee

One of the Early Warning

Best In Class lowest NPA & Problem
Asset Quality Outcomes Ratios Solving

Asset Quality Trends

1.60% 1.52% 80.0%

72.0% 1.28% ✓ Strong Selection Process and risk management
1.20% 62.0% 60.0% capabilities has resulted in a Healthy Asset Book
46.9%
50.0%
0.76% 0.81%
0.80% 0.64% 40.0%
0.41% ✓ Overall portfolio is well distributed with
0.40% 0.29% 20.0%
0.12%
significant deployment in focused knowledge
sectors by leveraging on sectoral expertise
0.00% 0.0% housed with specialized Relationship Managers,
FY15 FY16 FY17 FY18
Product Managers and Risk Managers (3 EYE
GNPA %) NNPA % PCR Risk Management Principles)
Sectoral Exposure Mix

Rubber, Plastic & Products 0.6% Vehicles, Parts & Equipments 2.8%
Social & Commercial Infrastructure
2.5%
Petroleum, Coal and Other Fuels
4.0% All Engg 2.7%
Travel, Tourism & Hospitality 2.5% Waterways 2.1%
Paper & Paper Products 0.4% Telecommunication Aviation (Airports) 0.8%
Other Real Estate ( LRD/ Non CRE 2.2%
Roadways Agri and Allied
etc) 0.5% Technology/ Textiles 2.1% Beverages 0.5%
0.8%
ITES 1.0% 1.5%
Other Metal & Metal Products 3.1%
Cement 1.5% Chemical Products
(Dyes, Paints, etc.)
1.3%
Diversified 1.4%
Other Industries 14.3% Commercial Real Estate 5.9%

Drugs &
Pharmaceuticals 1.4%

Other Financial
Services 1.9%

NBFC 2.5% Educational

Mining & Quarrying 0.9% Services 1.6%

Media & Entertainment 2.4% Electricity 9.2%

Iron & Steel 2.0%
Housing Finance Co. 1.1%
As on 31st mar, 2018
EPC 7.9%
Healthcare & Food Processing 2.4%
Hospitals (Non
Infra) 1.1%
Gas storage and pipeline 0.3%
Granular & Retail 9.3% Gems and Jewellery 1.4%

Well diversified overall portfolio with significant deployment in YES Bank focused knowledge sectors
11
Well Rated Portfolio and Stable Risk Profile

Rating Profile

20.9% 22.0% 23.2% Overall Corporate portfolio

15.6% 13.4% 13.3%
continues to be well rated with
nearly 80% portfolio rated ‘A’ or
39.6% 42.8%
better (Based on Internal Corporate
42.9%
rating models mapped to external
21.8%
ratings) and well distributed
19.0% 18.5%
2.0% 2.8% 2.2% across growth sectors.
31-Mar-17 31-Dec-17 31-Mar-18

BB and Below BBB A AA AAA

Sensitive Sector Disclosure

Iron & Steel Electricity Telecom Gems & Jewelry

2.0% 2.2%
1.9% 1.43%
1.5%
Non-Renewable Electricity
0.91%
Generation: 2.7% (All Operational )

NIL Exposures to SEBs

TOTAL A OR ABOVE TOTAL A OR ABOVE TOTAL A OR ABOVE

12
Improving Asset Quality Outlook

S. No Particulars (%) Q4FY18 Q3FY18 Q4FY17 Remarks

1 Credit Cost (bps) 13 18 19 Credit Cost for FY18 at 76 bps
Gross Slippage of $ 58.4 Mn of which $ 4.3 Mn from accounts
2.1 GNPA 1.28% ($ 404 Mn) 1.72% 1.52%
previously classified under ‘Standard SDR’
2.2 NNPA 0.64% ($ 202 Mn) 0.93% 0.81%

2.3 PCR 50.0% 46.4% 46.9% Bank expects to increase PCR to >60% by Sep’18

2 previous (Q2FY18) NPA accounts (loan value $ 90.6 Mn) sold

Net Security with corresponding aggregate SR carrying value of $ 27.5 Mn.
3 0.92% ($ 290 Mn) 1.06% 0.73% Aggregate redemption/recoveries in security receipts of $ 8.5 Mn
Receipts
in Q4FY18. Bank expects redemptions/recoveries of 30-40%
over the next 6-12 months
Breakup of 0.16% ($ 52.0 Mn)- Erstwhile fully implemented
Std. Restructured
4 0.16% ($ 52.0 Mn) 0.42% 0.71% S4A ($ 21.4 Mn- 3 accounts); 5-25 ($ 16.5 Mn – 2 accounts); SDR
Exposure
(Nil) and Other Restructured book ($ 14.0 Mn- 3 accounts)

1.73% 2.41% 2.25%

TOTAL (2.2+3+4)
($ 544 Mn) ($ 638 Mn) ($ 461 Mn)

Adequate provisioning on exposures to select accounts referenced in List 1 & 2 RBI IBC NCLT notification

Details of exposure to List 1 accounts (0.16% of Gross Details of exposure to List 2 accounts (0.32% of Gross Advances)
Advances) Total exposure of $ 100 Mn across 7 accounts.
Total exposure of $ 49.2 Mn (Funded exposure only) on 2 Entire Funded exposure from the above, aggregating to $ 87.6 Mn
accounts, both classified as NPA with a PCR 50% (across 3 accounts) is classified as NPA and has PCR of 43%
Bank expects recovery of 60-65% of exposures to List I Adequate provisioning on these exposures with 50-60%
accounts, latest by Q2FY19 collectability
Minimal impact due to RBI Circular dated Feb 12, 2018 on “Resolution of Stressed Assets Revised framework 13
 Capital Growth Through Internal Accretion
Tier I Ratio 10.9% 10.9% 10.9% 10.7% 10.3% 10.1% 12.2% 13.3% 13.8% 13.2% 14.7% 13.2%

B AT1– USD USD Billion

USD Billion 830 Mn.
QIP – USD
60 750Mn. 6
B AT1– USD
50 461 Mn. 5

40 4

30 3

20 2

10 1

- 0

RWA (LHS) Tier I Capital (RHS)

✓ Total Capital Funds at USD 7.2 Bn, up 48% Y-o-Y.

✓ Demonstrated ability to raise capital across cycles; reflecting
▪ Total CRAR at 18.4%* excellent market appetite for YES Bank capital qualifying bonds
▪ Raised USD 1,076.2 Mn in FY18 through private placement of Basel
▪ Tier I ratio of 13.2%* III Tier II Bonds in two tranches
▪ CET I ratio at 9.7%* ▪ Raised USD 832.5 Mn in FY18 trough issue of Basel III complaint
AT I.
✓ Best in Class Return Ratios with RoA > 1.5% and
▪ Raised USD 600 Mn for 5 Year Tenor under its USD 1 Bn MTN
RoE > 17% consistently over the last 10 years
Program (largest debut International bond issuance by an Indian Bank)
* Adjusted for dividend of 4.2 cents per share
Well capitalized position to enable capturing Market Share
14
Three Pronged Customer Acquisition, Engagement
and Retention Strategy

✓ Complete Suite of Retail Assets Focused Segmented Approach:

and Liabilities Products ✓ Senior Citizens
Core is Key
✓ Commercial Segment
✓ YES Securities 3 in 1 account ✓ Y-Cops
Core is
Quality Key –
Customer
Quality Customer
acquisition is the ✓ TASC
✓ Credit Cards Product acquisition is the Segments
strategy for ✓ HNI - YES First
strategy for
developing a ✓ Affluent - YES Premia
✓ Multiplier effect: Initial period of developing a
credible Retail
credible Retail
gestation for Retail Assets to be Franchise
✓ Mass Affluent - YES Prosperity
Franchise
followed by Scale up and ✓ GIB
exponential Growth ✓ OPDT

Channels

✓ Ramp up Alternate Sales Management

✓ Implementation of New CBS and Advanced CRM + Analytics systems for highly focused
customer targeting and enhancing productivity of acquisition and relationship teams
✓ Digital Channels: Web/ Mobile/ Contact Centre/ ATMs/ Self Service Kiosks/ Digital
Branches to be at the forefront of Acquisition, Engagement, Servicing and Retention of
Customers

15
Branch Network Expansion – Evolving Landscapes

Physical Vs. Digital

150 1100 1250 Digital Channels to Complement NOT Cannibalize

Branches

March 2010 Branch Target reduced to 1,250 Branches by 2020

March 2018 March 2020
▪ HUB Spoke Model
Coverage across all 53 Metros, 29 States and 7 Union Territories.
▪ Automation of Backend
13 Metro/Urban and 3 dedicated RIBB regions
▪ Data Backed Mid Office and
Hub and Spoke model for faster maturity and greater efficiency
▪ Digitalization of Front End will bring in efficiencies
of branch network
YES BANK will however Resize and Redefine Branches
Substantial focus on North & West Regions (DMIC/Make in
India/GIB corridor) with evolving network in South & East ▪ Smaller Formats, Lesser Manpower

A Clearly Articulated 2 Pronged Strategy: Metro + Urban & Semi-Urban +Rural to achieve 1250 Branches by FY20

Metro & Urban Strategy Semi- Urban +Rural Strategy

Emerged as the most significantly present Bank in Top 30
Deposit Centers
Maximize Branches in Top 200 Deposit Centers
SME, Digital & Specialized branches designed for catching
catchments
NCR and MMR to continue as Key Growth Centers
MSME, B2B2C, Focus Segments, Liabilities driven Fee Income
& Cross Sell
Key Agri Mandis/Food Parks/GOIs RURBAN Clusters
Make in India/MSME clusters and Ports/SEZs/EPZs
DMIC Influence/SMART Cities/Key NRI belts/YES Vijay
Assets led RURBAN Strategy to focus on Farmer households,
Rural SMEs and Women Groups
16
Complete Suite of Retail and Business Banking Assets

Product Focus Segment Strategy

▪ Auto Loans ▪ Tapping Liability customers

Consumer ▪ Two Wheeler Loans ▪ Branch Channel
▪ Salaried & Self Employed
Retail ▪ Gold Loan ▪ Technology aided processing
▪ Existing Customers
▪ Personal Loan ▪ Focused activities
▪ Credit Cards ▪ Manufacture Tie-ups

Commercial ▪ Commercial Vehicle ▪ Professionals

▪ Cash flow based Credit
underwriting
Retail & ▪ Construction Equipment ▪ Infrastructure & Logistics
▪ Adequate Collaterals
Mortgage ▪ LAP/LAS ▪ Retail Investors
▪ Risk based pricing
▪ Healthcare Finance ▪ Self Employed
▪ SME rich lending program
▪ Home Loans
▪ PSL benefits

MSME ▪ Smart Overdraft

▪ Fast track lending Program
▪ Scorecard Lending program
▪ LGD Program (Linking
Collateral with Rating for
high ticket customers)
▪ 14 Knowledge Sunrise
Sectors including
Automobile, Pharmaceutical,
Food & Agri, Education
▪ CBB/ EBB/ SBB
▪ Building Granular MSME
book
▪ CRM Based sourcing
▪ Tapping Corporate linked
Supply Chain – Channel
Financing

17
YES Bank adopts A.R.T of Digital Banking

Omnipresence
Deepen Existing
Relationships

Improve Operational
Efficiency
Innovate with
Frugal
Technology Identify new customers
& Explore new business
lines

Superior Customer
Experiment Service
with Future
Technology

A.R.T makes the bank SMART by giving bank the agility to ally with like minded technological partners
18
Leader of New Age Payments

IMPS
1st rank (as a Remitter Bank)
in peer banking group and
2nd rank across all banks
with 8.6% market share
227% YoY increase in
transaction vol.
AePS
3rd rank in overall ranking
as Acquirer Bank within 3
months of launch
132%growth in transactions

NEFT & RTGS Domestic Money Transfer UPI

Market share of 2.69% by
vol. & 2.95% by val.
YES Money is a Pioneer Consistently Ranked 1st in
within the DMT program, UPI Merchant payments
with an increase of 197% in with market share of 73%
volume and 166% in value Over 80,000 merchants
terms YoY
Overall market share 21%
Accounts for 33.21% of the
industry volumes for the
month ended Mar’18

YES BANK ranks #2 in performance on Digital Payments as on 13th April, 2018 among Public, Private, Foreign &
Payment Banks in India, according to the Ministry of Electronics and Information Technology (MeitY).

19
Strive to bring industry first solution for customers

API Banking YES MSME Mobile YES GST Smart Trade

▪ First Indian bank to offer • India’s first app ▪ Industry first initiative ▪ 1st Bank to offer
API Banking solutions to offering 360* view of launched basis customer direct payments for
Corporate & SME customer’s feedback from 9500+ imports online
customers relationships- Accounts, MSMEs ▪ 480+ Corporates on
▪ Over 480 corporates Deposits, Payments and ▪ MSMEs can now avail the trade on net
on the API Banking Borrowings in one place OD (over draft) up to ` platform.
platform • Allows submission of 1 crore (~USD 15 Mn) ▪ Transaction volume on
▪ Winner of ‘APAC Leader various credit based on GST returns platform has increased
In Digital documents towards ▪ MSME needs to submit by 3x YoY
Transformation’ award Working Capital limits GST returns and ▪ Adjudged ‘Best Trade
at IDC Financial, • Over 5000 app residential or Finance Bank in
▪ ‘Global Winner’ in the downloads commercial property India’ at the Asian
Supply Chain Finance papers Banker Transaction
category at The Banker ▪ Targeting disbursement Banking Awards 2017
Transaction Banking of Rs. 1,000 crore
Awards 2017ON (~USD 15 Bn) through
AWARDS (FIIA) 2018 YES GST for FY19

20
Mobility driven solutions for anywhere banking

Mobile app registrations have increased

2.5x times
Transactions increased 288% by vol. and
341% by val. YoY
76% are active customers in last 3 months

YES
Mobile First chatbot enabled wallet
BHIM YES PAY app is
powered with India Stack API’s and
4000+ accounts NPCI products, enabling services like
successfully opened BBPS, Bharat QR, RuPay card, IMPS,
through tablet banking Tab YES UPI and Aadhaar KYC
Banking Money Rated 4.3 on Play Store

Banking as
a Service

India’s first artificial intelligence

First & one of the largest BHIM Yes enabled banking bot
domestic remittance platform SimSePay Over 0.5 Mn queries resolved since
Over 0.19 Mn BC agents
Pay
launch
employed

21
YES Bank’s Debt Ratings Journey

Rating Upgrade Received maiden International Basel III AT1 rating of AA from
ICRA & CARE Investment Grade Baa3 long CARE, India Ratings and ICRA
LT II:AA- , UT II:A+, CD:A1+ term rating from MOODY’S Rating upgrade of maiden AT1
(Highest Grade) Investor Services issuance under Basel regime by
ICRA
FY10 FY14

FY07 FY11 FY17

Rating Upgrade Rating Upgrade:

ICRA & CARE ICRA & CARE
LT II:AA, Basel III Tier II: AA+,
UT II:AA- INFRA BONDS:AA+

International Rating Long-term Outlook Short-term

Moody's Investors Service Baa3 Stable Prime-3

Domestic Rating Long-term Outlook Short-term

Basel III AT1 Tier II Infra Bonds
ICRA AA AA+ AA+ Positive A1+
CARE AA AA+ AA+ Stable
India Ratings AA AA+ AA+ Stable

Ratings reflect a sustainable growth oriented financial model with robust Risk Management Policies
22
Commitment from Leading Global Financial Institutions

USD 415 Mn for 12 yrs USD 50 Mn for 7 yrs

To increase lending to SME and Women FMO’s 1st investment in a Green Bond by a
owned business bank in India

USD 325 Mn for 9 yrs (avg) USD 500 Mn + for various tenors

For investment in Upper Tier II, Long Term Investment in Upper Tier II, Long Term Senior loans and
Senior Loan & Green Bond issue and to Unsecured Green Loans and loans for Women Self Help Groups
exclusively lend to women-owned business from ADB, European investment Bank, DEG and Proparco

Successful Long Term Loan

Syndications

Maiden Samurai loan of JPY 16.5 Bln

5 year loan from Taiwan : USD 250 Mio Syndication led by 5 year loan from Taiwan :USD 130 Mio

Syndication led by CTBC Bank Co., Ltd., Bank Bank of Tokyo Mitsubishi UFJ, Ltd. Participation from 10 Taiwanese Banks
of Taiwan, Land Bank of Taiwan & Mega Participation from 8 banks, Sept 2017 Syndication led by CTBC Bank Co., Ltd
International Commercial Bank Co. Ltd. and Taiwan Cooperative Bank Ltd.
Participation from 17 banks in Taiwan, Nov ‘17 Sept, 2016

23
Creating Mindshare For YES BRAND
ADVERTISING & SPONSORSHIP
✓ Partnering with large format
events
✓ Strategic brand advertisement of
the Bank & its ‘products across
multiple mediums
DIGITAL & SOCIAL MEDIA
MARKETING
✓ Robust Customer acquisition
through Digital Channels
✓ Active online reputation
management
Broadening Customer MINDSHARE
CUSTOMER & COMMUNITY
ENGAGEMENT
✓ 12000+ YES Community Events
each year in catchment areas
✓ Product marketing
✓ Partnership & Alliances
KNOWLEDGE BANKING
✓ Knowledge events
✓ CFO Forum
✓ Publications & Newsletters
✓ Advisory to Trade Associations
Building MARKETSHARE
24
 SOCIAL MEDIA LEADERSHIP

Showcase Pages

2nd Highest
Highest Followed Highest CFO FORUM YES MSME
Followed Bank
Bank Brand in the Followed Bank An apex body of India’s Knowledge Banking
Brand in the
World 3.3 Million+ Brand in India top CFOs across PSUs, platform for Micro, Small
World 7 .3 Million+ Pvt. Sector & MNCs & Medium Enterprises
Followers 644k+ Followers
Followers

Followers Page Likes Followers

1) YES BANK 3,312k 1) State Bank of India 15,237k 644K
1) YES BANK
2) State Bank of India 3,197k 2) YES BANK 7,335k 2) State Bank of India 428k
3) ICICI Bank 419k 3) ICICI Bank 5,467k 3) Axis Bank 93.5k
4) HDFC Bank 271.5k 4) Axis Bank 3,637k 4) HDFC Bank 43.6k
5) Axis Bank 246k 5) HDFC Bank 2,635k 5) ICICI Bank 20k
6) Kotak Mahindra Bank 207k 6) Kotak Mahindra Bank 1,225k 6) Kotak Mahindra Bank -
Data as on 31st March, 2018
25
Sustainable & Responsible Banking Leadership
VISION: Be the Benchmark Financial Institution for Inclusivity and Sustainability

Environmental Social Governance

Committed to mobilizing USD 5 billion
towards climate action by 2020 in
December 2015
Committed to mobilize USD 1 billion
by 2023 towards solar projects, and
USD 5 billion till 2030 in January 2018
First Indian Bank to launch Green
Bonds in 2015
Private placement by IFC for Green
Masala Bonds in 2015
Issued Green Infra Bonds with FMO in
2016
First Bank Globally to migrate to ISO
14001:2015; 744 locations certified
First & only Indian Banking signatory
to Natural Capital Finance Alliance
(NCFA) & Chair of Steering Committee
Sole arranger & subscriber to India’s
First Social Bond, with proceeds
allocated to Affordable Housing
Reached 2.1 million families at the
bottom-of-the-pyramid through
Inclusive & Social Banking
Provided access to 40 million + lives
with safe & clean drinking water in
2017-18
Provided OHS & Energy Efficiency
training to 28,454 workers, and
helped 18,544 MSMEs eliminate an
estimated 13,500 tons of Carbon
dioxide emissions in 2017-18
First & only Indian Bank to be listed
on DJSI Emerging Markets for 3
years consecutively (2015-2017)
Selected in prestigious MSCI ACWI
ESG Leaders & SRI Indexes and
FTSE4Good Emerging Index in 2017
First Indian Banking Signatory to
UNEP Finance Initiative
First Indian Bank to launch Green
Bond Impact Report
First Indian Bank to Support Task
Force on Climate Related Financial
Disclosure
Listed on the Carbon Disclosure
Leaders Index for five consecutive
years

Only Indian bank to be awarded ‘Prime’ status by OEKOM Research AG in their latest ESG assessment. Placing it in the top-12% of a
peer group consisting of 249 banks worldwide

26
Progress Widely Recognized By Leading Agencies

Bank of the Year Best Bank in India Fastest Growing Ranked #1239 Strongest Bank in
Institutional India, 2017, 2015 for SMEs Mid-sized Bank Gained 493 places India
Excellence The Banker Asiamoney BT- KPMG India’s in 1 yr
Best Banks Forbes Global 2000 The Asian Banker
London Country Awards
Mumbai, 2018 List Awards
Hong Kong, 2018 Geneva - 2016
New York, 2017

Technology, APAC Leader in Digital Transaction Bank Best Trade Finance YES FINTECH Best Bank in Asia
Innovation & Transformation of the Year - APAC Bank in India – 2017 Accelerator of the Year Pacific for
Supply Chain Finance - Third year in a row India FinTech Awards Payments and
Service IDC Financial Insights
Global Winner Collections
Innovation Awards (FIIA) The Asian Banker Mumbai
The Banker- Transaction Achievement Awards Global Finance
Hong Kong Banking Awards 2017 2017
Vietnam 2017 New York, 2017
2018 Sibos, Toronto

MSCI ESG
Sustainability Included in Best Innovation & Asia’s Best Bank Continues to be the First India’s Best Bank For
Sustainable Financial For Corporate and Only Indian Bank Corporate Social
& CSR MSCI ACWI ESG
Products & Services
Leaders Index and Social included in Responsibility
Excellence MSCI ACWI SRI Karlsruhe Sustainable Responsibility DJSI Emerging Markets Asiamoney Excellence
Index, 2017 Finance Awards, Awards Hong Kong -
Euromoney Index
Germany, 2017 2017
Excellence Awards New York - 2016, 2015
Hong Kong -2016
27
 Human Capital Management

Making YES BANK a Great Place to Work Flat Organization Structure (5 levels)

Average Age
✓ `First and only Bank to partner with “Kaizala Full Digital 89 45
Top
ONLY – Customer & Colleagues self-service channel”,
powered by Microsoft. 186 41
Senior

Middle 2,588 36
University & Schools Relationship Management
‘Preferred Employer of Choice’
Junior 8,437 31

General 7,231 27

*As of Mar 31, 2018 and as per revised segmentation

✓ YES League of Excellence – an online Recognition,
Appreciation & Engagement platform
✓ Structured engagement with over 1000 B-Schools
HCM Strategy
✓ Competitive C&B to attract, motivate and retain talent
✓ ‘Professional Entrepreneurship’ Culture based on values
to sustain competence, collaboration and compliance.
✓ Robust & Diversified Talent Acquisition
✓ World class HCM Service Delivery & Process
✓ Initiatives to continuously enhance organizational and
individual productivity/effectiveness/cost management.
✓ Total Headcount of 18,238
✓ Average Age – 32 years
✓ Average vintage in YES BANK: 7.8 yrs for Top Management
& 6.4 years for Sr. Management
✓ Wealth creation through ESOPs
✓ Talent acquisition from Peer Private Sector & MNC Banks
✓ Building a ‘Leadership Supply Chain’
✓ Ranked no 2. in Dream Companies to Work For by Times
Ascent
28
Distinguished Board

Mr. Ashok Chawla Mr. Brahm Dutt Lt Gen (Dr.) Mukesh

Non-Executive Independent Director Sabharwal (Retd.)
Independent Chairman Independent Director

Former Chairman of Competition

Commission of India and former Former Secretary, Ministry of Road
Former Lt General in Indian Army
Finance Secretary, GoI Transport and Highways, GOI

Mr. Vasant Gujrathi Mr. Ajai Kumar Mr. Subhash Kalia

Independent Director Non - Executive Non- Additional (Non – Executive Non-
Independent Director Independent) Director

Former Executive Director of Union

Former Partner – PwC Ex-CMD of Corporation Bank and a Bank of India and Vijaya Bank
veteran Banker

Mr. Rentala Chandrashekhar Dr. Pratima Sheorey Mr. Rana Kapoor

Additional (Non-Executive) Additional (Non-Executive) MD & CEO
Independent Director Independent Director

Director of Symbiosis Centre for Promoter/ Professional

Past President of NASSCOM Management and Human Resource Entrepreneur/ Banker (37+ Years)
Development (SCMHRD)

9 Eminent professionals as Directors with varied backgrounds, pioneers in respective fields

Well structured performance evaluation process for its Directors including MD & CEO
12 Board level Committees with specialized functions including Risk Monitoring Committee and Corporate Social Responsibility Committee
Best Corporate Governance and Transparency
Majority of Board constituted by Independent Directors

Pedigree Board ensuring transparency and highest standards of Corporate Governance

29
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 such 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 the Company’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. Actual results may differ materially from these forward-looking statements due to a number of
factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India. 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
constitute an offer or invitation to purchase or subscribe for any shares 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 Company 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. This presentation can not be copied and/or disseminated in any manner.
Thank you
ANNEXURES
Key Financial Parameters

Profit & Loss

USD Million Q4FY18 Q4FY17 Growth FY18 FY17 Growth
Net Interest Income 331 252 31.4% 1,190 891 33.5%
Non Interest Income 218 193 13.0% 803 639 25.7%

Total Net Income 550 445 23.4% 1,993 1,530 30.2%

Operating Expense 221 185 19.4% 801 633 26.6%
Operating Profit 328 260 26.3% 1,191 897 32.7%
Provisions & Contingencies 61 48 29.0% 239 122 95.8%
Profit After Tax 181 141 29.0% 649 512 26.9%

Balance Sheet
Growth Growth
USD Million Mar,2018 Mar, 2017 Dec,2017
Y-o-Y Q-o-Q
Assets 48,036 33,064 45.3% 40,808 17.7%
Advances 31,292 20,334 53.9% 26,369 18.7%
Investments 10,516 7,692 36.7% 10,058 4.6%
Liabilities 48,036 33,064 45.3% 40,808 17.7%
Shareholders’ Funds 3,960 3,391 16.8% 3,775 4.9%
Total Capital Funds* 7,222 4,878 48.0% 6,703 7.7%
Borrowings 11,514 5,935 94.0% 8,656 33.0%
Deposits 30,862 21,966 40.5% 26,402 16.9%
CASA 11,250 7,975 41.1% 10,038 12.1%

* Including profit & excluding prorated Dividend

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