YES BANK Presentation

Index

Large Bank Growth Phase ‘FY16 - FY20’ – Enablers & Key Highlights 3
Business Segments – Corporate, SME & Retail 11
Product Capital and Knowledge Banking: Illustration 16
Liability Franchise 21
Asset Quality 27
Digital Banking 30
Other Key Highlights 38
Q1FY19 Update 48

2
YES Bank At a Glance
Greenfield Bank built on culture of Owner – Partner – Manager model

SIZE PACE

One of the Fastest Growing

4th Largest Private Sector Bank; capturing Incremental
Bank with Asset size in Market Share at a fast pace
excess of ` 3 Tn (9.2%in FY18 for Advances v/s
static market share of 2.3%)

EFFICIENCY RETURNS

Amongst Most Profitable Best in Class Shareholder

Banks in the Industry with Returns with RoA > 1.5% & RoE>
one of the lowest C/I ratio at 17% consistently since 2010
37.3% as on Jun 30, 2018

REACH QUALITY

Expansive presence with 1,100+ Best in Class Asset Quality

branches; further augmented by Metrices with One of the lowest
Digital Channels GNPA & NNPA ratios at 1.31% and
0.59% respectively (Jun 30, 2018)

VISION: To Be India’s Finest Quality Large Bank By 2025 3

Journey into Large Bank Growth Phase
SMALL Bank
Set-Up Phase
(Inception – FY10) (FY11– FY15)
• Only Greenfield Bank to be
established in India (in
2004) over past 2 decades.
• Started as Mid Corporate/
SME Bank
• Building Blocks for Retail
Liabilities
• CASA ratio reached 10.5%
• CAGR: (FY07-10)
Advances – 74.3%
Deposits – 74.2%
PAT – 71.4%
MEDIUM Bank
Build-Up Phase
(FY16– FY20)
• Established Corporate &
SME Banker.
• Expansion of Retail
Liabilities, Distribution
Network, Products &
People
• Building blocks for Retail
Assets
• CASA Ratio reached 23%
• CAGR: (FY11-15)
Advances – 27.8%
Deposits – 27.7%
PAT – 33.2%
LARGE Bank
Scale-Up Phase
• Rapidly expanding Market
share supported by all 3
engines of growth: Corporate,
MSME & Retail
• Deepening Mindshare:
Capturing entire Lifecycle of
its Customers
• Increasing Granularity:
Momentum in Retail Assets &
SME
• Building Blocks for Future
Now : Digital Strategy
• CASA ratio at 35.1% & Retail
Advances at 14% (Jun, 2018)
• CAGR (FY16-18)
Advances – 39.1%
Deposits – 30.1%
PAT – 28.2% 4
Key Strategic Enablers for the Large Bank Growth Phase

Comprehensive Product Suite:

1 • Offering complete array of Products & Services across Corporate, SME & Retail Businesses. Emerged as
Life Cycle Banker given Depth and Width of Solutions offered

Solution Driven Knowledge Banking Approach:

2 • Deepening Mindshare through expertise in Focused Sunrise sectors across Product, Relationship & Risk

Leadership in New Age Technology:

3 • Using Digitization & Technology Innovation to drive Customer Acquisition / Enhance Experience /
Improve Efficiency & Explore New Business Lines

4 Prudent Risk Management Framework:

• Demonstrated Resilience in Asset Quality across Macroeconomic cycles

Expansive Reach
5 • 1100+ Branches which is further augmented by Digital Channels

Experienced Leadership:
6 • Finest Human Capital Management with Strong Vintage in YES Bank as well as Industry Pioneers

Vibrant YES BANK Brand:

7 • Strong Brand Recall; resonating with Trust/Credibility/Quality

5
Large Bank Growth Phase (FY16-20): Growth

Strong Growth across Segments with Incremental Corporate lending to Higher Rated Customers

Advances: CAGR(FY16-18): 39% Deposits: CAGR(FY16-18): 30%

USD Billion 30 USD Billion 29

19 21
16
14 13
11

Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'16 Mar'17 Mar'18

Increasing Market Share

Advances Deposits
1.7%
2.3% 1.3%
1.7% 1.2%
1.3% 1.0%
1.1%

FY15 FY16 FY17 FY18 FY15 FY16 FY17 FY18

Incremental Share at 9.2% (FY18) Incremental Share at 6.9% (FY18)

6
 Large Bank Growth Phase (FY16-20): Granularity

Growth Momentum in CASA CASA Market Share more than doubled (FY16-FY18) to 1.5%

CASA: CAGR(FY16-18) : 51%

CA Market Share
36.3% 36.5% 2.5%
USD Million 1.8%
1.0% 1.2%

28.1%
6,467
23.1%
4,780 SA Market Share
1.0% 1.2%
2,977 0.5% 0.8%
1,834 4,204
2,783
1,239 1,593

Mar'15 Mar'16 Mar'17 Mar'18 FY15 FY16 FY17 FY18

CA SA

MSME now Constitutes 18.4% of Total Advances, Retail Advances now Constitutes 14.0% of Total
Healthy Growth despite headwinds of GST & Demonetization Advances, up by 400 bps+ over the last one year
MSME: CAGR(FY16-18) : 27% Retail Advances: CAGR(FY16-18) : 53%

USD Million USD Million

5,920 3,621
4,404
3,460 1,819
2,885 1,545
1,002

Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'16 Mar'17 Mar'18 7

Large Bank Growth Phase (FY16-20): Profitability

Strong growth in Income Streams Cost Efficiency and Contained Credit Costs
CAGR(FY16-18) : Net Interest Income: 30%;
Non Interest income: 37% 42.0 %
41.3% 40.9% 41.4% 0.76% 0.80 %

USD Million
40.2%
762
0.60 %

38.0 %

606 0.50% 0.53% 0.40 %

395 0.38%
298
34.0 %

1,128
845
0.20 %

509 666
30.0 % 0.00 %

Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'16 Mar'17 Mar'18

Net Interest Income Non Interest Income Cost/Income Credit Costs

Consistent Profit Delivery Healthy Return Ratio

CAGR(FY16-18) : PAT: 28%

1.9%

1.8% 24.0 %

USD Million 1.8%

1.7%
1.7%

1.6% 1.6%
1.6%
21.5% 20.0 %

1.5%

19.9%
616 19.0%
486
1.4%

QIP – US$ 17.7%

370
1.3% 16.0 %

292 1.2% 750Mn.

1.1%

1.0% 12.0 %

Mar'15 Mar'16 Mar'17 Mar'18 FY15 FY16 FY17 FY18

Return on assets Return on equity 8

Profitability Drivers: Margins
Margin Drivers remain intact despite recent headwinds

✓ Lag in MCLR book re-pricing:

▪ >60% of the Advances linked to MCLR; of which >2/3rd book linked to 1 Yr
MCLR

✓ Momentum in CASA to continue

INCREASING TRAJECTORY OF NIM ▪ To achieve 40% by 2020 from 35.1% currently

3.5%
3.4% 3.4%

✓ Stored Value in SA Rate

3.2% ▪ Average SA rate at ~6% compared to ~4% for industry

Mar'15 Mar'16 Mar'17 Mar'18

✓ Well poised for Increasing Interest Rate scenario
▪ Higher portion of Fixed rate liabilities v/s Fixed rate assets
▪ Gap to bridge with increasing share of Fixed Rate Retail Assets

✓ Other Factors
▪ Improving PSL compliance
▪ Reduced Cost of Funds due to Rating upgrade to AAA
9
Profitability Drivers
Healthy Income Growth with Increasing Efficiencies and Best in Class Credit Cost

✓ Cost/Income ratio stabilizing at <40% ✓ Improving Asset Quality Outlook;

Maintained Credit Costs guidance of
✓ Operating Leverage resulting in 50-70 bps for FY19 given:
improving operating efficiencies from
investments in: ▪ Lending to Better Rated corporates
Operating Contained
▪ Branches Efficiencies Credit Cost
▪ Decreasing trend of RWA/Total
Assets
▪ People
▪ Increasing granularity
▪ Technology
Detailed Slide on Asset Quality
Healthy
Non-Interest Income

✓ Expertise and Penetration in Corporate Houses driving Corporate Banking Fee

✓ Forex & DCM Fee increased ~4x during FY16-18; contributes 21% of Total Fee
in FY18 up from 14% in FY15
✓ Accelerated Momentum to continue in Retail Fee: Grew 2.6x during FY16-18
✓ Corporate/SME Relationships and Digital Innovation to drive Transaction
Banking Income

10
BUSINESS SEGMENTS

11
Seasoned Corporate Banker:
Capturing market share with the Large Corporate Groups
USD Million CAGR of 41% (FY16 - 18) Healthy Growth Delivery continued:
2,766
2,101 ✓ Strong growth across all Corporate Segments including IBU

880 ✓ Lending to Large & Better Rated Corporates

▪ Resulting in improving Risk profile: A & Above rated exposure

18,038 18,388
increased to 78.9% as on Jun ’18, up from 76.5% in Mar’17
13,065
9,317
7,130 ✓ Decreasing RWA/Total Assets
▪ Improved to 81.6% as on Jun’18 from 86.7% in Mar’17 indicating
Mar'15 Mar'16 Mar'17 Mar'18 Jun'18
incremental lending at lower Risk Weights
Domestic Corporate Book IBU

Opportunities Inherent Enablers for Quality Corporate Growth

✓ Financing ▪ 8 Focused Corporate Relationship Groups including IBU– Expertise across Product
& Relationships & Risk – Further supported by Complete Product Suite
Seasoned Assets:
Eg. NCLT ▪ Knowledge Banking Driven Solutions through Sectoral Expertise
▪ Size, Scale and Expertise: Ability to underwrite large commitments basis increasing
✓ Refinancing SBL/GBL limits coupled with Strong Syndication Capabilities
Opportunities
▪ Technology & Services Leadership: Superior Customer Experience driven by cutting
✓ New Economy Edge Technology such as API Banking/Blockchain
Capex (Part of ▪ Benign Competitive Environment
Knowledge
▪ Prudent Risk Management Practice: CRM Based Origination reducing Adverse
Banking Sectors) Selection Bias coupled with Superior Structuring Capabilities
12
MSME Finance:
Focus on Sole Banking Relationships

MSME CAGR of 27% (FY16 - 18) Healthy Growth in MSME Advances with best in class Portfolio:
USD Million
✓ 3 focused Relationship Groups:
▪ Medium Enterprise: ($ 15 - 70 Mn): CRM based acquisition through 250+
Sector Specialists Relationship Managers. Avg. Ticket Size - $ 1.7 Mn
3,045 3,034
▪ Small Enterprise($ 2 - 15 Mn): Sourcing through penetrating Supply chain
2,373 of Anchor Corporate Relationships. Avg. Ticket Size - $ 0.4 Mn

1,335
1,871 ▪ Micro Enterprise ($ 0 - 2 Mn): Small Ticket granular lending leveraging on
branch distribution network. Avg. Ticket Size - $ 0.1 Mn
2,876 2,730
1,550 1,590
2,031 ✓ Healthy Portfolio Quality:
▪ Mix of Manufactures, Traders and Vendors/Dealers of Marquee Corporates
Mar'15 Mar'16 Mar'17 Mar'18 Jun'18
▪ Cash Flow based lending with focus on obtaining preferential property of
Medium Enterprise Small and Micro Enterprise Promoter as collateral
▪ Stringent Valuation Methodology for Collaterals, including Valuation
Report by dual Independent Agencies and an Internal Audit team to
maintain strict LTVs
Road going Forward
▪ Continued focus on Sole Banking Relationships (SEB & MIB) and Primary
Opportunity: Banking Relationships (MEB)
✓ Acceleration in ‘New To ▪ Deepening entrenchment in MSME Ecosystem: Focus on Cross Sell of
Credit’ Customers into Formal Trade/CMS/Forex & Investment Banking products to create hooks
Credit Sector due GST and ▪ Technology & Services Differentiators: Initiatives such as GST Invoice
Demonetization Financing (First Bank to Launch), API Banking etc to drive acquisition.
Industry First SME App for customer self-servicing
✓ Policy Support for MSMEs
such as Tax Incentive ▪ Using Analytics basis GST filling/ Cash Flows for automated continuous
Portfolio Monitoring
13
Retail Lender of Choice:
Building a Quality Customer Franchise
USD Million CAGR of 54% (FY16 - 18)
5,0 00
14.0%
14.0 %
Strong Growth Momentum in Retail Assets:
4,0 00
12.2% ✓ Retail Assets doubled to 14.0% of Total Advances
12.0 %

3,0 00
10.8% ✓ Diversified book across all 13 Products
9.4%
2,0 00
9.1% 4,394
10.0 %

✓ Focus on building quality Customer Franchise by offering

3,621
entire gamut of product & services
8.0%

1,819
1,0 00

1,002
1,545 ✓ Lowest delinquencies
- 6.0%

Mar'15 Mar'16 Mar'17 Mar'18 Jun'18

Retail Advances Retail Advances (as % of Total Adv)

Opportunities Key Enablers for Strong Momentum in Retail Assets

✓ Limited Players offering ▪ Established credible Long term alternate for full scale Banking Offerings in Retail
entire gamut of Assets in Indian Banking Industry
Products across Assets, ▪ Experienced Leadership: Having witnessed multiple Retail cycles
Liabilities & Wealth ▪ Relationship Based Sourcing: Strong Industry Associations and Tie up with
Ecosystem Manufacturers and Dealers as preferred Financiers
▪ Leveraging Expansive Reach through 1,100+ branches further augmented by
✓ Evolving consumer Digital channels
landscape through ▪ Harnessing Technology to improve efficiency & enhance experience: 1st Bank
quality service on the to launch Bots for faster acquisition and 24X7 superior experience
back of Digitization, &
▪ Quality Sourcing through Stringent Risk Controls. Further, Continuous
Technology monitoring though analytics
14
Banking the entire Ecosystem:
Presence across Product and Relationships

Solution Oriented BANKing Partner to bank entire Ecosystem and throughout the Life Cycle of the company

✓ Merchant Banking ✓ Term Loan

PRODUCT SUITE
✓ Term Loan ✓ Trade
✓ Working Capital ✓ Working Capital
✓ Treasury ✓ Trade
✓ Trade ✓ CMS ✓ CMS ✓ Complete suite of Retail Products:
✓ CMS ✓ Investment banking Assets and Liabilities
LIFE CYCLE BANKING

CORPORATES
VENDORS RETAIL
SUPPLIERS
CUSTOMERS

RELATIONSHIP
✓ Retail Banking
✓ MEB ✓ MEB
✓ 8 Focused Segments of ✓ SEB
✓ SEB
CORPORATE BANKING ✓ MIB
✓ MIB
✓ SEB-SCB ✓ SEB-SCB

SUPPLY CHAIN BANKING

Emerged as Life Cycle Banker 15

Illustrations Of Product
Capital & Knowledge
Banking Approach

16
Product Capital: Cash management & Trade Finance

API Banking Host to Host Solution

▪ Commercial launch and Scale Up; 500+ Clients ▪ For Outward FX Remittances; leverage on
Live with growth of 400% in FY18 taking a lead in Cross Border Remittances
Industry 1st
Technology led
Innovation
Import & Export Solutions Blockchain
▪ Digital Solutions for Direct Import Payments ▪ Supply Chain transaction through Blockchain
& Direct Dispatch Export Regularization for one of the largest Indian Electrical mfg.

Used Cases: Expert Solutions Illustrations

Hospitality Industry IATA Easy Pay Solution Pharma Payments Ecosystem

▪ End-2-End digital solution for Hotel ▪ YBL to be one of the two partner banks ▪ Access to numerous accounts across
Bookings & Payments. Distributors & Chemists with
▪ Business opportunity of 3,000+ Travel
▪ Engaged with 6 Premium Hotel chains Agents substantial cross sell opportunities

‘Best Bank in India’ for Payments, Blockchain Initiative, API Initiative, Financial Supply chain Management Deal, Trade
Finance Deal, Automation Application & Trade Finance at The Asian Banker Transaction Banking Awards 2018 17
Product Capital: Debt Capital Markets

India’s Preferred Debt

House

CAPABILITIES STRONG REPRESENTATION

Introduction of many First Time Member of Corporate Bonds &

and Repeat Issuances
Successfully concluded marquee
transactions for AAA/AA+ Rated
Issuers
RECOGNITIONS
Ranked among Top 2 by Prime
Database in the ‘Private Issuers
Category – Mfg & NBFCs’ league table
in 4 out of 5 years from FY13-FY17
Securitization Advisory
Committee
Representation on the Board of
(FIMMDA) for 7 years in the past.

Ranked among Top 10 by Bloomberg

in the Indian Domestic Bonds league
tables for CY 2013-17

Ranked No. 5 by Reuters in the Indian

Domestic Bonds league table for CY2017

18
Product Capital: Credit Cards

Building a Quality Portfolio Milestones within 2 years of Operations

✓ Fastest & Widest launch of 13

✓ Healthy mix of Internal &
Variants across Retail/ SME/
good quality NTB customers
Commercial

Best-in-Class
✓ Focus on “Transactors” rather Portfolio & Risk ✓ 0.3 Mn Cards-in-force & INR 5
than “Revolvers” Management Bn. (~USD 73 Mn) of O/s book
Performance

✓ World Class Tech. & Risk ✓ 1st Indian Issuer on

Management Systems– Vision MasterCard’s most prestigious
Plus & Falcon (First Data) ‘World Elite platform’

19
Knowledge Banking Expertise: Food & Agri

Focusing on the “Knowledge Banking” proposition to create a Differentiated & Unique edge for the Bank through
Superior Thought Leadership and Visibility Initiatives

“Advisory + Implementation + Lending” Significant Inroads in the Industry for capturing

proposition coupled with Tech Initiatives MARKET SHARE in F&A Ecosystem

➢ Only private sector Bank to be represented in the

Engagement & partnerships with:
✓ GoI Ministries (MoA, MoC, NABARD etc)
✓ State Governments
✓ Reputed Embassies
Launched YES AGRITECH (Start Up
Accelerator Program) in collaboration with ITC,
Nestle, MTR, M&M, Amul, FSSAI etc
Agriculture 2022 Working Group; culminated with a
presentation to the Hon’ble PM
➢ Significant client origination/ relationship deepening
with over 200 Clients including NTBs
➢ 20 % of the 171 projects granted approval under the
Pradhan Mantri Kisan SAMPADA Yojana in the past
two years have been advised & financed by YBL
➢ Advised key MNC & Indian clients (One of the
largest F&B player, Café chain etc)

Published 26 Knowledge Reports released by GoI Ministers/ Industry Leaders

20
STRONG LIABILITY
FRANCHISE

21
Consistently Growing Deposit Franchise:
With Increasing Granularity

STRATEGY
✓ Focused Segmented Approach (HNI, GIB, YCOPs)
✓ Complemented through YSL & Wealth Management
✓ Penetrating and Leveraging Corporate Relationships

RESULTING IN: ENABLERS

✓ Granularity in Deposits ✓ Expansive Physical and Digital Reach
✓ Improved Funding Profile ✓ Established Brand with Strong Recall
✓ CASA Ratio > 40% by 2020 ✓ Strong Corporate Relations
✓ Strong Deposit Franchise ✓ Competent Management

ROBUST GROWTH
✓ CAGR (FY16-18)
✓ CASA: 51.4%
✓ Retail TD: 22.6%

✓ CASA Ratio at 35.1% in Jun’18 up from 23.1% in Mar’15

22
Funding and Liquidity Profile:
Well Capitalized and Diversified Funding Profile
✓ Total Capital Funds has doubled in last 3 years to USD 6.9 Bn 8 13.2% 12.8% 35%
10.7% 11.4%
11.5%
28%
6
✓ Demonstrated Ability to Raise Capital across instruments and 18.4%
17.3%
17.0% 21%
cycles including Hybrid Instruments (Tier I/II) 4 15.6% 16.5%

14%

2
✓ Healthy Internal Accruals with Best in Class RoEs 7%

- 0%
Mar'15 Mar'16 Mar'17 Mar'18 Jun'18
✓ Lending to Better Rated corporates to further result in lower
Capital Consumption. Total Capital CRAR (RHS) Tier I Ratios (RHS)

Improving Fund Profile Components

38%
✓ Increasing Tenor of Borrowings CASA+Retail TD
34%
17%
Capital+Tier I + Tier II
14%

✓ Increasing proportion of CASA, Retail TD, Long Term LT Borrowing

8%
10%

Borrowing in overall Funding Profile 4%

Refinanced
4%
26%
Corporate Deposits
35%
✓ Successful Long-Term funding from marquee global
2%
Short Term
financial institutions including multilateral government 3%
agencies such as IFC, OPIC, ADB etc CD
2% 2018 2015
2%

Stable Funding Profile and Healthy Capitalization to aid Market Share Gains 23
Funding and Liquidity Profile :
Improving Concentration and Liquidity Profile
✓ ALM Gap <1 year (for INR denominated assets & YES BANK ALM Gap <1 year (as % of Total Assets)*
Liabilities) declined to (7.6%) as on Mar’18 from Mar'15 Mar'18
(23.3 %) as on Mar’ 15
-7.6%

✓ Top 20 depositor concentration (down 100 bps

from March’15) at 12.2%, demonstrating increase
in Granular Deposits
-23.3%

✓ Improving liquidity profile with LCR well above * Calculated basis numbers disclosed in Annual Report
(INR denominated Assets & Liabilities)
RBI stipulated parameters.

Liquidity Coverage Ratio Reducing Concentration of Deposits

102.1%
83.9% 88.1%
80.3%
90.0%
80.0%
70.0% 13.2%
60.0%

12.2%

Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'18

Yes Bank LCR Minimum Required LCR

Indicating Inherent Balance Sheet Strength 24

Branch Network Expansion – Evolving Landscapes

✓ Coverage across all 53 Metros, 29 States and 7 Union Territories.

150 1105 1250 ✓ 13 Metro/Urban and 3 dedicated RIBB regions

✓ Hub and Spoke model for faster maturity and greater efficiency
✓ Substantial focus on North & West Regions (DMIC/Make in
March 2010 March 2018 March 2020 India/GIB corridor) with evolving network in South & East

3-Pronged Strategy for Branch

Expansion and Digitization

METRO + URBAN DIGICAL

Emerged as most significantly present Digital Channels to Complement

Bank* in Top 30 Deposit Centers SEMI-URBAN + RURAL NOT Cannibalize Branches

Maximize Branches in Top 200 Assets led RURBAN Strategy Calibrated Branch Target of 1,250
Deposit Centers ▪ HUB Spoke Model
Key Agri Mandis/ Food Parks/
SME, Digital & Specialized branches GOIs RURBAN Clusters ▪ Automation of Backend

NCR and MMR to continue as Key Make in India/MSME clusters and ▪ Digitalization will bring in
Growth Centers Ports/SEZs/EPZs efficiencies

MSME, B2B2C, Focus Segments, DMIC Influence/SMART ▪ Smaller Formats and Lesser
Liability driven Fee Inc. & Cross Sell Cities/Key NRI belts/YES Vijay Manpower
*Highest proportion of the Bank’s Presence
25
Improving Operating Leverage

New/ Upcoming Branches having Smaller Area; Leveraging Investment in Branch and People
to have quicker Breakeven Period
CASA/Branch CASA/Employee
Vintage USD’ 000
> 5 years 100%

9,888
9,701
12,0 00 700

585

558
600

7,564
10,0 00

3-5 years 77% 500

376
8,00 0

5,315
4,871

305
400

284
6,00 0

1-3 years 57% 300

4,00 0

200

< 1 year 44%

2,00 0

100

0 0

Area indexed to 100% for branches with maturity of > 5 years Mar'15 Mar'16 Mar'17 Mar'18 Jun'18

Maturity Profile of Branches demonstrating Retail Advances/Branches Retail Advances/Employee

further scope for Leverage

224
3,976
5,0 00 250

USD’ 000

199
3,292
8%
41%
4,0 00 200

40% of the branches

33% currently with < 3 years

1,819
1,796
3,0 00 150

103
1,587
vintage; to provide

93

90
18% significant leverage
2,0 00 100

going forward 1,0 00 50

0-1 years 1-3 years 3-5 years 5+ years

- -

Mar'15 Mar'16 Mar'17 Mar'18 Jun'18

Past Investments Resulting in Operating Leverage; Present/Future Investments to have quicker Turnaround Duration 26
ASSET QUALITY

27
Consistent Asset Quality Delivery

Movement of Gross NPA: Industry v/s Yes Bank

✓ Strong Selection Process and risk management
11.6% capabilities has resulted in a Healthy Asset Book
9.3%
7.5% ✓ Overall portfolio is well distributed with
significant deployment in focused knowledge
4.3% 4.1% 4.0%
2.8% sectors by leveraging on sectoral expertise
2.1%
0.4% 0.8%
1.5% 1.3% housed with specialized Relationship Managers,
Product Managers and Risk Managers (3 EYE
Mar'15 Mar'16 Mar'17 Mar'18 Risk Management Principles)
SCBs Private Banks Yes Bank

On the back of superior Risk Management Processes and Systems

Knowledge Superior Joint Delegation Portfolio

Banking Structuring & Approval Analytics
Committee

One of the Early Warning

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

28
Asset Quality Outlook

Asset Quality Peaking Out with Improving Outlook

Well Rated Portfolio NCLT and 12th Feb’18 Circular Diversified Exposure

• Including Exposures to • Minimal Exposure in NCLT • Lending to Knowledge

Sensitive Sectors
• Overall Corporate portfolio
continues to be well rated
with almost 80% portfolio
rated ‘A’ or better * and well
distributed across growth
sectors.
Detailed Slide
List I: 0.01% ($ 34.1 Mn) of
Gross Advances; PCR of 50%
List II: 0.31% ($ 95.5 Mn) of
Gross Advances; Entire Funded
exposure of $ 83.1 mn classified
as NPA with PCR of 43%
• Minimal impact of RBI’s Feb
12th, 2018 Circular
Banking Sectors
• Increasing share of Retail
and Granular Advances
• One of the best Retail &
SME books as per reputed
Credit Information company
Detailed Slide

* Based on Internal Corporate rating models mapped to external ratings 29

DIGITAL BANKING

30
 YES Bank adopts A.R.T of Digital Banking

Objectives of A.R T Application of A.R T

PAYMENTS

Deepen Existing
Relationships
CUSTOMISED
BANKING SOLUTIONS
Improve Operational
Efficiency
MOBILE & MOBILITY

Identify new customers

& Explore new business
lines PROCESS
DIGITIZATION

Superior Customer
Service EMERGENT
TECHNOLOGY

A.R.T makes the bank omnipresent, innovate with Frugal Technologies and experiment with
Future Technology 31
Payments
Leader within New Age Payments

1st Rank as a Remitter bank Consistently Ranked 1st

One of the leading
among peer group by NPCI in Merchant payments,
Acquirer Bank within 6
market share of over 50%
months of launch
By Vol
Over 1.5 Mn merchants
105% YoY
onboarded & 50 Mn+
20 Mn. transactions in
UPI IDs created
Q1FY19
Partnered with PhonePe
and Hike Messenger
.
June 17 June 18

DMT: YES Money is a pioneer within DMT program Ranked #2 in performance on Digital
Payments among Public, Private,
Foreign & Payments banks in India
By Vol By Value
Winner of the Instant Payment
products (UPI, IMPS , USSD &
547% YoY
BHIM) in National Payments
Excellence Awards 2017

June 17 June 18 June 17 June 18

YES BANK continues to dominate the payments space with industry best offerings 32
Customised Banking Solutions
Innovate to bring industry first solutions for corporates & MSMEs

API Banking YES MSME Click to Credit YES Transact

▪ 1st Indian bank to offer • India’s first app ▪ Industry first ▪ 1st Bank to offer
API Banking suite for offering 360° view of initiative to apply for paperless import &
CMS and Supply customer’s a credit facility export online
Chain Finance service relationships- anytime, anywhere ▪ Transaction volume
▪ Winner across 4 award Accounts, Deposits, ▪ MSME can avail OD on Smart Trade has
categories including Payments and (over draft) up to ` 10 increased by ~2x YoY
‘Best Blockchain Borrowings in one Mn. based on
place ▪ Adjudged ‘Best
Initiative Application uploading GST Trade Finance Bank
or Platform’ at the returns and in India’ at the Asian
Asian Banker residential or Banker Transaction
Transaction Banking commercial property Banking Awards 2018
Awards 2018 papers

Co–innovate with best in class tech to bring customized solutions for India’s tech savvy businesses
33
Mobile & Mobility
Mobility driven solutions for anywhere banking

Mobile app registrations have increased 113% YoY

Transactions increased 247% by vol. and 186% by val. YoY
+4.5 Mn transactions in last 3 months

YES
Mobile

First chatbot enabled wallet

BHIM YES PAY app is
Tab YES powered with India Stack
One in 4 NRI customers
sourced digitally
Banking Banking Money API’s and NPCI products,
enabling services like BBPS,
as a Bharat QR, RuPay card, IMPS,
UPI and Aadhaar KYC
Service Rated 4.2 on Play Store

BHIM Yes
SimSePay
First & one of the largest Pay India’s first artificial intelligence
domestic remittance platform enabled banking bot
Over 250 thousand BC agents Over 1 Mn. interactions processed
employed since launch

Expanding global and granular footprint 34

Process Digitization
Think, Work & Execute DIGITALLY to improve internal efficiencies

•Account opening TAT

Reduced by 3x
YES AIM •Account opening Vol.
1 in 5 new non-salary SA opened with
AIM

•Yes Engage
Sales & Engagement Instant digitized call/visit report

Platform •Microsoft Kaizala

Automation of escalation of open issues

•Salary Processing
Robotic Process Reduced TAT by 48 Man-
hours/cycle
Automation •Recon of DMT:
TAT reduced by 30 Man-hours/day
▪ HADOOP
Data Warehousing & First in industry to set up Enterprise
wide data warehouse in partnership
Analytics with Cloudera
▪ Architecture
Scaleable, Flexible & Open

Open architecture supports integration of internal processes with best in class solutions 35
Adoption of Emergent Technologies
Cognitive &
Data
“is self-learning
systems using data,
AI/ML & NLP to
mimic human output”
✓ Data Governance for Data
Quality & Security
✓ First bank - Enterprise Data
warehouse on Big Data
✓ Cognitive BOTs
Implemented
✓ Testing Voice BOTs
✓ Predictive payments
✓ Personalization of services
✓ Virtual Assistant
Blockchain
Technology
“distributed Ledger &
Smart Contracts
using underlying
technology of Crypto
currency ”
YES Bank’s adoption / customer impact
✓ Blockchain for our Supply
Chain Finance
✓ Active expansion planned
for Businesses
✓ Integration with Industry-
Wide Blockchain (Ripple,
etc) are WIP
✓ Instant settlement for Cross
boarder remittances
Internet of Open
Things Banking
“is a network of “is when Banks open
connected devices to APIs to external
enable exchange of partners”
data”
✓ Connected Consistent ✓ 500 + Internal APIs in use
Experience of ✓ Architected next-gen APIs
▪ Mobile on Micro-services
▪ Smart Watch ✓ Products are designed in a
▪ Tablet nimble & agile way to create
▪ ATM a better user experience
▪ Card Reader
▪ Laptop
✓ Evaluation of secure Banking ✓ Fintech partner integration
transactions for connected through API (eg: phonepe)
devices & smart homes. eg: ✓ Corporate payments (eg: Ola
Alexa, Google Assistant etc driver payouts)
✓ Payments via Wearable
36
YES FINTECH – Accelerator

YES FINTECH a Business

Accelerator program for
fintech start ups to co-create
innovative solutions for the
financial services industry

Cohort Highlights

15 week program, with 3 onsite

weeks
Engagement with Top/ Senior
Leadership of the Bank
6 out of 10 POCs successful; 3
POCs underway

YES Fintech helps YES BANK partner with Fintech startups, and co-create future ready solutions. 37
OTHER KEY
HIGHLIGHTS

38
Diversified Shareholding Base

Shareholding Pattern as on 30th June, 2018

Promoter & Promoter Insurance

Group ✓ LIC (India’s Largest Insurance
Companies
20% 13.2%
Company) holding of 8.29%
Mutual Funds
11.6%
✓ Constituent of Nifty 50, Sensex
30, MSCI EM, MSCI India
Resident indices
FII/FPI Individuals
42.5% 8.8%
✓ Leadership in ESG - Only
Others
3.9%
Indian Bank to be included in
MSCI ESG, DJSI, FTSE4Good
Emerging Indices and awarded
‘Prime Status’ by OEKOM

Well Diversified Holding with Healthy Mix of Marquee FIIs & DIIs 39
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 FY19

FY07 FY11 FY17 Rating Upgrade: CARE

Upgraded to highest AAA
Rating Upgrade Rating Upgrade: rating for Basel III Tier II &
ICRA & CARE ICRA & CARE Infra Bonds
LT II:AA, Basel III Tier II: AA+, Upgraded to AA+ for ATI
UT II:AA- INFRA BONDS:AA+ perpetual bonds, highest across
all Banks

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
CARE AA+ AAA AAA Stable
ICRA AA AA+ AA+ Positive A1+
India Ratings AA AA+ Stable

Ratings reflect a sustainable growth oriented financial model with robust Risk Management Policies 40
Commitment from Leading Global Financial Institutions

Long Term Commitments

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 bank
owned business in India
USD 325 Mn for 9 yrs (avg) USD 200 Mn for 7 yrs
Upper Tier II, Long Term Senior Loan, Green Unsecured Loan for lending to Women SHGs &
Bond issue & to lend to women-owned business Technical Assistance Grant for Capacity Building

USD 200 Mn for 15 yrs USD 30 Mn for 8 yrs

First EIB transaction for Renewable Energy Long term Senior Loan by Development Bank of
with a commercial bank in Asia Australia

USD 84 Mn (granted in 2009, 2014 & 2017) EUR 13.25 Mn for 10 yrs
Long term Senior Loan by KfW Bankengruppe Upper Tier II loan by An AfD Group Development
Development Financial Institution Financial Institution

Successful Long Term Loan Syndications

5 year loan from Taiwan : USD 250 Mio Dual Currency Syndicated Loan: USD 422 Mio
Maiden Samurai loan of JPY 16.5 Bln
Participation from 17 banks in Taiwan, Nov ‘17 Participation from 21 banks from 14 countries, 2014
Syndication led by
Participation from 8 banks, Sept 2017

3 year syndicated loan of USD 300 Mio led by

5 year loan from Taiwan : USD 130 Mio

Participation from 8 banks
Participation from 10 Taiwanese banks, Sept ‘16
41
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
42
 Responsible Banking – Journey So Far

Commitment to mobilize
ADB Credit Line of Issued 3rd Green Bond with FMO $1Bn by 2023 and $ 5Bn
$200 Mn for SHGs by 2030 for solar energy
Launched India’s
1st TCFD aligned
Sustainability Report 1st Indian Bank
1st Bank Globally to
migrate to ISO 14001:2015
1st Indian 1st Indian 1st Indian Bank IFC credit line of $ 50 Mn for women
Signatory Signatory to be certified entrepreneurs India’s 1st Green Retail Liability Product

2005 2006 2007 2009 2013 2014 2015 2016 2017 2018

Responsible 1st Indian 1st Indian Signatory

Signatory 1st and Only Indian Bank
Banking instituted
(Consecutively for 3 years, 2015-17)
as one of Instituted Natural 1st and Only Indian Bank
6 brand pillars Capital Awards to COP 21 commitment
celebrate India’s to finance 5 GW OPIC & Wells Fargo EIB credit line of
Natural Capital renewable energy by credit line of $150 Mn for $400 Mn for Solar
2020 Women MSMEs loans & Wind Energy
Launched
1st Sustainability Issued India’s 1st Green Bond in Feb 2015 OeEB credit
Report line of $30 Mn
Issued Green Masala Bond for Solar &
with IFC in Aug 2015 1st Indian Bank to support
Wind Energy TCFD recommendations
OPIC & Wells Fargo Credit Line Underwrote & Invested in India’s 1st
of $265 Mn for MSME loans Social Bond of INR 1,000 Crore for
affordable housing

43
Sustainable & Responsible Banking Leadership

TRANSPARENCY & ACCOUNTABILITY FACILITATING SUSTAINABLE FINANCE

Triple Bottom Line accounting and reporting Mainstreaming green products and practices
Enhanced climate disclosures Innovative financing and modelling
Environmental, Social and Governance Environment and social risks management
(ESG) disclosures Climate finance literacy
Green House Gas (GHG) accounting and
Portfolio mapping
Environment Management Systems (ISO
14001) implementation and certification

POLICY ADVOCACY THROUGH POSITIVE IMPACT CSR &

THOUGHT LEADERSHIP SUSTAINABLE DEVELOPMENT
Knowledge Reports - Climate change and
Livelihood and Water Security
sustainable development
Employability and Entrepreneurship
Thought leadership in partnership with academia,
multilaterals, think tanks, regulators and Environment sustainability
governments Media for social change
Policy advocacy as a catalyst within financial sector Social Value Creation

Part of MSCI, DJCI and FTSE4Good Indices

44
Widely Recognized By Leading Agencies

FORBES
GLOBAL 2000
Ranked #1,013 Global 2000 Bank of the Year Best Bank in India Fastest Growing Strongest Bank in
Ranked #155 Growth
Institutional India, 2017, 2015 for SMEs Mid-sized Bank India
Champions
Excellence Forbes Global 2000 World’s The Banker Asiamoney BT- KPMG India’s
The Asian Banker
Country Awards Best Banks
Largest Public Companies London Awards
June 2018 Hong Kong, 2018 Mumbai, 2018
Geneva - 2016

Best Trade Finance Bank in India - 2018, 2017, 2016, 2015 APAC Leader in
Technology, Best Financial Supply Chain, 2018, 2017
Best Implementation Instant Payment Transaction Bank
Digital Transformation of Digital Payments Products
Innovation & Best Corporate Payments Project in India, 2018, 2016 of the Year - APAC
IDC Financial Insights award (UPI+IMPS+BHIM+
Service Best Corporate Trade Finance Deal in India, 2018, 2015
Innovation Awards Supply Chain Finance
BW Businessworld USSD)
Best API Initiative, Application or Platform (Bank), 2018
(FIIA) - Global Winner
Best Blockchain Initiative, Application or Programme, 2018 Digital India Summit National Payments
Hong Kong & Awards 2018 The Banker-
Best Productivity, Efficiency & Automation Initiative, Excellence Awards Transaction Banking
Application or Programme, 2018 2018 (NPCI) 2017
Asian Banker Transaction Banking Awards 2018 Awards 2017
Sibos, Toronto

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

45
Human Capital Management
Making YES BANK a Great Place to Work Flat Organization Structure (5 levels)

✓ `First and only Bank to partner with “Kaizala Full Digital Average Age
ONLY – Customer & Colleagues self-service channel”, 101 46
Top
powered by Microsoft.
Leadership Training Initiatives by YES School of 265 42
Senior
Banking

Middle 3,354 37

Junior 9,935 32
University & Schools Relationship Management
‘Preferred Employer of Choice’
General 5,942 28

*As of Jun 30, 2018 and as per revised segmentation

✓ YES League of Excellence – an online Recognition,

Appreciation & Engagement platform
✓ Structured engagement with over 2000 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 19,597
✓ Average Age – 32 years
✓ Average vintage in YES BANK: 8.2 yrs for Top Management
& 6.5 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
46
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- 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

Independent Director Independent Director MD & CEO

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

47
Q1FY19 UPDATE

48
 Key Highlights for Q1FY19

Sustained Earnings Delivery with improving efficiency and Superior shareholder returns

1.6% RoA & 19.4% RoE 37.3% C/I Ratio 30.5% Y-o-Y
Delivering Consistent Shareholder returns. Down from 42.1% in Q1FY18 Growth in PAT

Robust Growth in Advances with increasing Granularity

53.4% Y-o-Y US$ 3 Bn+ 14.0% Retail Advance

Growth in Advances IBU Assets, Y-o-Y growth of 219% Up from 10.5% last year

Healthy Asset Quality delivery: Steady decline in Total Stressed Assets Book

Demonstrated resolution
1.52% Total Stressed Book*
Down from 1.73% sequentially

*NNPA + Security Receipts + Std Restructured

55.3% PCR
Up from 50.0% sequentially
` capability by posting significant
recoveries in NPA and Security
Receipts book

Ratings Upgraded to AAA Regulatory approval from Ranked #1,013 in the Forbes
by CARE from AA+ SEBI to commence ‘Mutual Global 2000 - World’s
for Infrastructure Bonds and Tier II Fund Business’ & Largest Public Companies
Bonds (Basel III) ‘Custodian of Securities’ list for 2018
49
 Income Growth Trends

USD Million Net Interest Income Non Interest Income Operating Profit Net Profit
USD Million
400 400 358
314 324
311
300 275 275 278 292
264 300
247 249
207 207
200 182 184
165 200 172
146 157
141

100 100

- -
Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19

Yield on Advances Cost of Funds NIM (RHS) RoA (LHS) RoE (RHS)

12.0% 6.0% 2.0% 1.8% 21.0%

10.4% 10.2% 10.0% 1.7%
9.8% 9.9% 1.6%
5.0% 1.5%
8.0% 19.4% 19.0%
6.2% 6.1% 6.0% 6.0% 6.3%
4.0% 1.0%
18.0%
4.0% 3.7% 3.7% 17.4% 17.0%
3.5% 3.4% 3.0% 0.5%
3.3%

0.0% 2.0% 0.0% 15.0%

Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19 Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19

Consistent growth in Operating profit coupled with increasing Margins and Spreads
50
 Non Interest Income Trends

Healthy growth across Transactional Corporate, Trade, CMS and Granular Retail Fees
USD million

100

105 94
70
60
67
26
47 51 35
35 32
20 21 22
38 40 42 51 49

Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19

Retail Banking Fees Corporate Trade & cash Management Forex, Debt Capital Markets & Securities Corporate Banking Fees

6
8
8
USD million

5
5 5 10
7 7 8
10 4 3
4 10
4 11 10
9
7
15 19 17
12 14

Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19

Trade & Remittance Facility/Processing Fee Third Party Sales Interchange/ Direct Banking Income General Banking Fees

Robust growth in Retail fees on the back of rapidly expanding retail franchise
51
Balance Sheet Details

USD Billion
USD Billion

48
46
39
35 6.1 6.7
5.7
32

31
31
30
5.6

29
5.5

25
25
23
22

22
20

6.5 6.8
5.7 6.2
5.4

2.9 3.3 4.2 4.1

2.7

Jun'17 Sep'17 Dec'17 Mar'18 Jun'18 Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19
Advances Deposits Total assets CA SA Retail TD

USD Billion
50 6

14.0%
5
40
5
5

37

9.7%
40
33
4
4

29

4
27

30
8.7%
67.6%
3

20

10

Corporate Banking Medium Enterprises

- -

Jun'17 Sep'17 Dec'17 Mar'18 Jun'18

Small and Micro Enterprises Retail Banking
RWA Tier I Capital
52
Stable Risk Profile

Rating Profile

20.9% 23.1% 22.3%

Overall Corporate portfolio
14.0% 13.3% 13.5% continues to be well rated with
almost 80% portfolio rated ‘A’ or
41.6% 42.9% 43.2% better (Based on Internal Corporate
rating models mapped to external
ratings) and well distributed
21.8% 18.5% 18.7%
1.7% 2.2% 2.3% across growth sectors.
30-Jun-17 31-Mar-18 30-Jun-18
BB and Below BBB A AA AAA

Sensitive Sector Disclosure

Electricity Iron & Steel Telecom Gems & Jewelry

2.6% 3.6% 1.5%

3.3%
Non-Renewable Electricity 2.0% 1.0%
Generation: 2.5% (All Operational )

NIL Exposures to SEBs

Total A & Above Total A & Above Total A & Above

53
 Sectoral Exposure Mix
Social & Commercial Infrastructure Telecommunication
2.4% 3.6%
Chemical Products
Travel, Water Agri and Allied (Dyes, Paints, etc.)
Technology/ITES
Tourism & Sanitation 1.5% 1.2%
Roadways 1.0%
Rubber, Plastic & Hospitality 0.0%
Petroleum, Coal and Other 0.7% 3.1%
Products
Fuels Vehicles, Cement
0.6% Aviation
3.6% Railways Parts & All (Airports) 1.4%
0.1% Textiles Equipments Commercial Real Estate
Paper & Paper Products Waterways Engg 0.9%
1.4% 2.8% 5.8%
0.4% 1.5% 2.7%
Beverages
Other Metal & Metal Products Diversified
0.5%
2.3% 1.0%
Drugs &
Other Real Estate ( LRD/ Non CRE Pharmaceuticals
etc) 1.4%
0.4% Other Industries
13.6%
Educational Services
Other Financial 1.4%
Services Electricity
2.0% 8.7%

EPC
NBFC 8.1%
2.3% Granular & Retail
9.8%
Mining & Quarrying
0.8%

Media & Entertainment

2.2%
Food Processing
Iron & Steel
2.4%
2.6%
Glass & Glassware
Healthcare & Hospitals (Non Infra) 0.1% Gas storage and pipeline
Housing Finance Co.
0.9% 0.2%
3.0% Gems and Jewellery
1.5% As on 30th Jun, 2018

Well diversified portfolio with significant deployment in YES Bank focused knowledge sectors
54
Key Financial Parameters

Profit & Loss

Growth % Growth %
USD Million Q1FY19 Q1FY18 Q4FY18
(y-o-y) (q-o-q)
Net Interest Income 324 264 22.7% 314 3.0%

Non Interest Income 247 165 49.6% 207 19.2%

Total Net Income 571 429 33.1% 521 9.5%

Operating Expense 213 180 17.9% 210 1.3%

Operating Profit 358 249 44.0% 311 15.0%

Provisions & Contingencies 91 42 118.9% 58 56.6%

Profit After Tax 184 141 30.5% 172 6.9%

Balance Sheet
Growth Growth
USD Million June 30, 2018 June 30, 2017 Mar 31, 2018
Y-o-Y Q-o-Q
Assets 48,494 32,394 49.7% 45,562 6.4%
Advances 31,312 20,411 53.4% 29,680 5.5%
Investments 12,097 7,603 59.1% 9,974 21.3%
Liabilities 48,494 32,394 49.7% 45,562 6.4%
Shareholders’ Funds 3,837 3,265 17.5% 3,756 2.2%
Total Capital Funds 6,851 4,745 44.4% 6,850 0.0%
Borrowings 11,490 5,585 105.7% 10,921 5.2%
Deposits 31,118 21,909 42.0% 29,273 6.3%
CASA 10,927 8,052 35.7% 10,671 2.4%

* Including profit & excluding prorated Dividend

55
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