YES BANK

Presentation
Inde
x
Large Bank Growth Phase ‘FY16 - FY20’ – Enablers & Key 3
Highlights Business Segments – Corporate, SME & Retail 1
1
Product Capital and Knowledge Banking:
1
Illustration Liability Franchise
6
Asset Quality
2
Digital Banking 1

Other Key 2
7
Highlights Q1FY19
3
Update 0
3
8
4
8
2
YES Bank At a Glance
Greenfield Bank built on culture of Owner – Partner – Manager
model
SIZ
E E
4thLargest Private Sector
Bank with Asset size in
excess of ` 3 Tn
PAC
One of the Fastest Growing
Bank; capturing Incremental
Market Share at a fast pace
(9.2%in FY18 for Advances
v/s static market share of
2.3%)

EFFICIEN RETURN
CY S
Amongst Most Profitable Best in Class Shareholder
Banks in the Industry with Returns with RoA > 1.5% &
one of the lowest C/I ratio RoE> 17% consistently since
at 37.3% as on Jun 30, 2018 2010

REAC QUALIT
H Y
Expansive presence with Best in Class Asset Quality
1,100+ branches; further Metrices with One of the lowest
augmented by Digital GNPA & NNPA ratios at 1.31%
Channels 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)
• Only Greenfield Bank to
(FY11–Established Corporate
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 LARGE Bank
Bank Scale-Up
Build-Up Phase
Phase (FY16– FY20)
• Rapidly expanding Market
•
FY15)
& SME Banker. share supported by all 3
engines of growth:
• Expansion of Retail Corporate, MSME & Retail
Liabilities,
Distribution Network, • Deepening Mindshare:
Products & People Capturing entire Lifecycle
of its Customers
• Building blocks for
Retail Assets • Increasing Granularity:
Momentum in Retail Assets
• CASA Ratio reached & SME
23%
• Building Blocks for
• CAGR: (FY11-15) Future Now : Digital
Advances – 27.8% Strategy
Deposits – 27.7%
PAT – 33.2%
• CASA ratio at 35.1% &
Retail
Advances at 14% (Jun, 2018)
• CAGR (FY16-18)
Advances – 39.1% 4
Key Strategic Enablers for the Large Bank Growth
Phase
Comprehensive Product Suite:
• Offering complete array of Products & Services across Corporate, SME & Retail Businesses. Emerged
1 as Life Cycle Banker given Depth and Width of Solutions offered

Solution Driven Knowledge Banking Approach:

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

Leadership in New Age Technology:

• Using Digitization & Technology Innovation to drive Customer Acquisition / Enhance
Experience / Improve Efficiency & Explore New Business Lines
3
Prudent Risk Management Framework:
• Demonstrated Resilience in Asset Quality across Macroeconomic
4 cycles

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

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

Vibrant YES BANK

•
Brand:
Strong Brand Recall; resonating with
7 Trust/Credibility/Quality
5
Large Bank Growth Phase (FY16-20):
Growth
Strong Growth across Segments with Incremental Corporate lending to Higher Rated
Customers

USD Billion Advances: CAGR(FY16-18): 39% 3 USD BillionDeposits: CAGR(FY16-18): 30% 2

0 9
1 2
9 1 1
1 1
1 6
4 3
1

Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1

5 6 7 8 5 6 7 8

Increasing Market
Share
Advances Deposits
1.7
2.3 1.3
1.2 %
1.3 1.7 % 1.0
1.1 % %
% % %
%

FY1 FY16 FY17 FY1 FY1 FY16 FY17 FY1

5 8 5 8
Incremental Share at 9.2% Incremental Share at 6.9%
(FY18) (FY18)
6
 Large Bank Growth Phase (FY16-20):
Granularity
Growth Momentum in CASA Market Share more than doubled (FY16-FY18) to
CASA 1.5%
CASA: CAGR(FY16-18) : 51%
CA Market
36.3 36.5 2.5
USD Million
% % Share 1.8 %
1.0 1.2 %
% %
28.1
% 6,467
23.1
% 4,780 SA Market
2,977 Share
0.8 1.0 1.2
0.5 % %
1,834 4,204 %
2,783 %
1,239 1,593

Mar'1 Mar'1 Mar'1 Mar'1 FY1 FY1 FY1 FY1

5 6 7 8 5 6 7 8
CA SA

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

USD Million
USD Million

5,92 3,62
0 1
4,40
3,46 4 1,81
2,88 1,54
0 9
5 1,00 5
2
Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1 7
5 6 7 8 5 6 7 8
Large Bank Growth Phase (FY16-20):
Profitability
Strong growth in Income Cost Efficiency and Contained Credit
Streams Costs
41.3 40.9 41.4 0.76
CAGR(FY16-18) : Net Interest Income: 30%; % % %
%
USD Million Non Interest income: 37%
40.2
762 %
606 0.50 0.53
% %
395 0.38
298
1,128 %
666 845
509

Mar'1 Mar'16 Mar'17 Mar'1 Mar'1 Mar'1 Mar'1 Mar'1

5 6 7 8
5 8
Net Interest Non Interest Cost/Incom Credit
Income Income e Costs

Consistent Profit Healthy Return

Delivery Ratio
CAGR(FY16-18) : PAT: 28%
1.8
USD Million %
1.7
1.6 % 1.6
% 21.5 %
19.9 %
616 19.0 %
486 % 17.7
QIP –
370 US$ %
292
750Mn.

Mar'15 Mar'16 Mar'17 Mar'18 FY1 FY16 FY17 FY1

5 8
Return on Return on 8
assets equity
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 ▪ To achieve 40% by 2020 from 35.1% currently
NIM
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 ✓ Improving Asset Quality Outlook;
<40% Maintained Credit Costs guidance
of 50-70 bps for FY19 given:
✓ Operating Leverage resulting in
improving operating efficiencies ▪ Lending to Better Rated
from investments in: Operating Contained corporates
▪ Branches
Efficienci Credit
es Cost ▪ Decreasing trend of
▪ People RWA/Total Assets
▪ Technology ▪ Increasing granularity

Healthy Detailed Slide on Asset Quality

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
10
Transaction Banking Income
BUSINESS
SEGMENTS

11
Seasoned Corporate
Banker:
Capturing market share with the Large Corporate
Groups
USD CAGR of 41% (FY16 - Healthy Growth Delivery continued:
Million
18) 2,76
2,10 6 ✓ Strong growth across all Corporate Segments including
1
IBU
88
0 ✓ Lending to Large & Better Rated Corporates
▪ Resulting in improving Risk profile: A & Above rated exposure
18,03 18,38
8 8 increased to 78.9% as on Jun ’18, up from 76.5% in Mar’17
13,06
9,317 5
7,130 ✓ Decreasing RWA/Total Assets
▪ Improved to 81.6% as on Jun’18 from 86.7% in Mar’17
Mar'1 Mar'16 Mar'17 Mar'1 Jun'1
5 8 8 indicating incremental lending at lower Risk Weights
Domestic Corporate IB
Book U
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
✓ Refinancing
increasing SBL/GBL limits coupled with Strong Syndication Capabilities
Opportunities
▪ Technology & Services Leadership: Superior Customer Experience driven by
✓ New Economy cutting Edge Technology such as API Banking/Blockchain
Capex (Part of ▪ Benign Competitive Environment
Knowledge
▪ Prudent Risk Management Practice: CRM Based Origination reducing
Banking Sectors) Adverse Selection Bias coupled with Superior Structuring Capabilities
12
MSME
Finance:
Focus on Sole Banking
Relationships
MSME CAGR of 27% (FY16 - Healthy Growth in MSME Advances with best in class
USD
Million 18) Portfolio:
✓ 3 focused Relationship Groups:
▪ Medium Enterprise: ($ 15 - 70 Mn): CRM based acquisition through
3,04 3,03
5 250+ Sector Specialists Relationship Managers. Avg. Ticket Size - $ 1.7 Mn
4
2,37 ▪ Small Enterprise($ 2 - 15 Mn): Sourcing through penetrating Supply
3 chain
1,87
1,33
5
1 of Anchor Corporate Relationships. Avg. Ticket Size - $ 0.4 Mn
2,87 2,73
2,03 6 0
▪ Micro Enterprise ($ 0 - 2 Mn): Small Ticket granular lending leveraging
1,55 1,59
0 0
1 on
branch distribution network. Avg. Ticket Size - $ 0.1 Mn
Mar'15 Mar'16 Mar'17 Mar'18
Jun'18 ✓ Healthy Portfolio Quality:
Medium
Enterprise Small and Micro Enterprise ▪ Mix of Manufactures, Traders and Vendors/Dealers of Marquee
Corporates
▪ Cash Flow based lending with focus on obtaining preferential property
Road going of Promoter as collateral
Forward ▪ ▪
ContinuedStringent Valuation
focus on Sole Methodology
Banking for Collaterals,
Relationships (SEB & MIB) including
and Valuation
Opportunity: Report Relationships
Primary Banking by dual Independent
(MEB) Agencies and an Internal Audit team to
maintain strict LTVs
✓ Acceleration in ‘New To ▪ Deepening entrenchment in MSME Ecosystem: Focus on Cross Sell
Credit’ Customers into of Trade/CMS/Forex & Investment Banking products to create hooks
Formal Credit Sector due ▪ Technology & Services Differentiators: Initiatives such as GST
GST and Demonetization Invoice 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 ▪ Using Analytics basis GST filling/ Cash Flows for automated
Incentive continuous Portfolio Monitoring
13
Retail Lender of
Choice:
Building a Quality Customer
Franchise
USD CAGR of 54% (FY16 -
Million
14.0 Strong Growth Momentum in Retail Assets:
18) %
12.2 ✓ Retail Assets doubled to 14.0% of Total Advances
%
10.8 ✓ Diversified book across all 13 Products
%
9.4
9.1 4,394 ✓ Focus on building quality Customer Franchise by offering
%
% 3,621
entire gamut of product & services
1,819
1,002
1,545 ✓ Lowest delinquencies

Mar'1 Mar'16 Mar'17 Mar'18

5 Jun'18
Retail Advances
Retail Advances (as % of Total Adv)
Opportuniti Key Enablers for Strong Momentum in Retail
es Assets
✓ Limited Players ▪ Established credible Long term alternate for full scale Banking Offerings in
offering entire gamut Retail
of Products across Assets in Indian Banking Industry
Assets, Liabilities & ▪ Experienced Leadership: Having witnessed multiple Retail cycles
Wealth Ecosystem ▪ Relationship Based Sourcing: Strong Industry Associations and Tie up
with Manufacturers and Dealers as preferred Financiers
✓ Evolving consumer ▪ Leveraging Expansive Reach through 1,100+ branches further augmented
landscape through by Digital channels
quality service on the ▪ Harnessing Technology to improve efficiency & enhance experience: 1st
back of Digitization, Bank to launch Bots for faster acquisition and 24X7 superior experience
& Technology ▪ Quality Sourcing through Stringent Risk Controls. Further, Continuous
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

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

CORPORATES RETAIL
SUPPLIERS VENDORS
CUSTOMERS
LIFE CYCLE

RELATIONSHIP
BANKING

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

SUPPLY CHAIN BANKING

Emerged as Life Cycle 1

5
Illustrations Of
Product Capital &
Knowledge Banking
Approach

1
6
Product Capital: Cash management & Trade
Finance
API Banking Host to Host Solution
▪ Commercial launch and Scale Up; 500+ ▪ For Outward FX Remittances; leverage on
Clients Live with growth of 400% in FY18 taking a lead in Cross Border
Industry 1st Remittances
Technology led
Innovation
Import & Export Solutions Blockchain
▪ Digital Solutions for Direct Import ▪ Supply Chain transaction through
Payments 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. ▪ Business opportunity of 3,000+ Travel Distributors & Chemists with
▪ Engaged with 6 Premium Hotel Agents substantial cross sell opportunities
chains

‘Best Bank in India’ for Payments, Blockchain Initiative, API Initiative, Financial Supply chain Management Deal,
Finance Deal, Automation Application & Trade Finance at The Asian Banker Transaction Banking Awards
Trade
1
2018 7
Product Capital: Debt Capital
Markets
India’s Preferred
Debt
House

CAPABILITIE
S REPRESENTATION
Introduction of many First
Time
and Repeat Issuances
Successfully concluded marquee
transactions for AAA/AA+ Rated
Issuers
RECOGNITION
S
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
STRONG
Member of Corporate Bonds &
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 Milestones within 2 years of
Portfolio Operations

✓ Fastest & Widest launch of

✓ Healthy mix of Internal &
13
good quality NTB
Variants across Retail/
customers
SME/ Commercial

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

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

Management Systems– MasterCard’s most prestigious
Vision Plus & Falcon (First ‘World Elite platform’
Data)
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 + Significant Inroads in the Industry for

Lending”
proposition coupled with Tech
Initiatives
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
capturing
MARKET SHARE in F&A Ecosystem
➢ Only private sector Bank to be represented in the
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
✓ Improved Funding Profile Reach
✓ CASA Ratio > 40% by ✓ Established Brand with Strong
2020 Recall
✓ Strong Deposit Franchise ✓ Strong Corporate Relations
✓ 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

2
Mar’15 2
Funding and Liquidity
Profile:
Well Capitalized and Diversified Funding
Profile
✓ Total Capital Funds has doubled in last 3 years to USD 35%
13.2 12.8
6.9 Bn 11.5 10.7 11.4 % %
% % 28%
8 6 %
✓ Demonstrated Ability to Raise Capital across instruments 18.4
17.3
17.0 % 21%
and cycles including Hybrid Instruments (Tier I/II) 4 15.6 16.5 % %
% %
14%

2
✓ Healthy Internal Accruals with Best in Class 7
RoEs %
- 0
Mar'15 Mar'17 Mar'18 Jun'18 %
✓ Lending to Better Rated corporates to further result in Mar'16
lower Capital Consumption. CRAR Tier I Ratios
Total Capital (RHS) (RHS)

Improving Fund Profile

Components 38
✓ Increasing Tenor of CASA+Retail
%
TD
34%
Borrowings Capital+Tier I + Tier
17
14 %
II
%
✓ Increasing proportion of CASA, Retail TD, Long LT Borrowing
10
8%%
Term Borrowing in overall Funding Profile 4%
Refinance
4%
d
26
Corporate
% 35
✓ Successful Long-Term funding from marquee global Deposits
%
2%
Short
financial institutions including multilateral Term
3%
government agencies such as IFC, OPIC, ADB etc CD
2% 2018
2%
2015
Stable Funding Profile and Healthy Capitalization to aid Market Share 2
3
Funding and Liquidity
Profile : Concentration and Liquidity
Improving
Profile YES BANK ALM Gap <1 year (as % of Total
✓ ALM Gap <1 year (for INR denominated assets
Assets)*
& Liabilities) declined to (7.6%) as on Mar’18
from (23.3 %) as on Mar’ 15 Mar'15 Mar'18

-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 * Calculated basis numbers disclosed in Annual
Report
above RBI stipulated parameters. (INR denominated Assets & Liabilities)

Liquidity Coverage Reducing Concentration of

Ratio Deposits
102.1
83.9 88.1 %
80.3
% %
% 90.0
80.0 %
70.0 %
60.0 13.2%
%
%
12.2%

Mar'1 Mar'1 Mar'17 Mar'1 Mar'1

5 6 Mar'18 5 8
Yes Bank LCR Minimum Required LCR
Indicating Inherent Balance Sheet 2
Strength 4
Branch Network Expansion – Evolving
Landscapes
✓ Coverage across all 53 Metros, 29 States and 7 Union
Territories.

15 110 125 ✓ 13 Metro/Urban and 3 dedicated RIBB regions

0 5 0 ✓ Hub and Spoke model for faster maturity and greater
efficiency
March March March
2010 2018 2020 ✓ Substantial focus on North & West Regions (DMIC/Make
in India/GIB corridor) with evolving network in South &
East
3-Pronged Strategy for
Branch
Expansion and Digitization
METRO + DIGICAL
URBAN
Emerged as most significantly present Digital Channels to Complement
Bank* in Top 30 Deposit Centers SEMI-URBAN + NOT Cannibalize Branches
RURAL
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 GOIs RURBAN Clusters ▪ Automation of Backend
branches
NCR and MMR to continue as Make in India/MSME clusters ▪ Digitalization will bring in
Key Growth Centers and Ports/SEZs/EPZs efficiencies

MSME, B2B2C, Focus Segments, DMIC Influence/SMART ▪ Smaller Formats and Lesser
Liability driven Fee Inc. & Cross Cities/Key NRI belts/YES Vijay Manpower
Sell
*Highest proportion of the Bank’s Presence
2
Improving Operating
Leverage
New/ Upcoming Branches having Smaller Leveraging Investment in Branch and
Area; to have quicker Breakeven Period People
CASA/Branch CASA/Employee
Vintage USD’
>5 100

9,88
9,70
000

585

558
years %

8
1
7,56
3-5 77

4
376
years

5,31
%

4,87

305
284

5
1
1-3 57
years %
<1 44
year %
Area indexed to 100% for branches with maturity of > 5 years Mar'1 Mar'1 Mar'1 Mar'1 Jun'1
5 6 7 8 8

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

demonstrating

22
3,976

4
further scope for Leverage USD’

19
3,292

9
000
41
8% 40% of the branches
% 33 currently with < 3

1,79
6

1,81
103
1,58
% years vintage; to

93

90
7

9
18 provide significant
% leverage going
forward
0-1 years 1-3 years 3-5 years 5+
Mar'15 Mar'16 Mar'17 Mar'18
years Jun'18
Past Investments Resulting in Operating Leverage; Present/ Future Investments to have quicker Turnaround
ASSET
QUALITY

2
7
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
%
9.3 Book
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'1 Mar'1 Mar'17 Mar'1 Risk Management Principles)
5 6 8
SCBs Private Banks Yes
Bank

On the back of superior Risk Management Processes and

Systems

Knowledg Superio Joint Portfolio

Bankin
e rStructuring &
Delegation Analytics
g Approval
Committee

One of the Early Warning

One of the Best In Class lowest NPA & Problem
Asset Quality Ratio Solvin
s g
Outcomes 2
8
Asset Quality
Outlook

Asset Quality Peaking Out with Improving

Outlook

Well Rated Portfolio NCLT and 12thFeb’18 Circular Diversified Exposure

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

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

* Based on Internal Corporate rating models mapped to external 2

9
DIGITAL
BANKING

3
0
 YES Bank adopts A.R.T of Digital
Banking
Objectives of A.R Application of A.R
T 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
TECHNOLOG
Y

A.R.T makes the bank omnipresent, innovate with Frugal Technologies and experiment
with
3
Future Technology 1
Payments
Leader within New Age
Payments

1stRank as a Remitter bank Consistently Ranked 1st One of the leading

among peer group by in Merchant payments, Acquirer Bank within
NPCI market share of over 6 months of launch
50%
By Vol
105% Over 1.5 Mn
20 Mn. transactions
merchants onboarded
YoY in Q1FY19
& 50 Mn+ UPI IDs
created

J.une June Partnered with PhonePe

18 and Hike Messenger
17
Ranked #2 in performance on
DMT: YES Money is a pioneer within DMT program Digital Payments among Public,
Private, Foreign & Payments banks
By Vol By Value in India

Winner of the Instant

547%
Payment products (UPI, IMPS
YoY
, USSD & BHIM) in National
Payments Excellence
Awards 2017
June June June June
17 18 17 18

YES BANK continues to dominate the payments space with industry best 3
2
Customised Banking Solutions
Innovate to bring industry first solutions for corporates &
MSMEs

API Banking YES MSME Click to Credit YES Transact

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

Co–innovate with best in class tech to bring customized solutions for India’s tech savvy
businesses 3
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

First chatbot enabled

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

First & one of the largest

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 3

4
Process Digitization
Think, Work & Execute DIGITALLY to improve internal
efficiencies
• Account opening TAT
Reduced by 3x
YES • Account opening Vol.
1 in 5 new non-salary SA opened with
AIM AIM

• Yes Engage
Sales & Instant digitized call/visit report

Engagement • Microsoft Kaizala

Automation of escalation of open issues
Platform • Salary Processing
Robotic Reduced TAT by 48
Man- hours/cycle
Process • Recon of DMT:
TAT reduced by 30 Man-
Automation hours/day
▪HADOOP
Data Warehousing First in industry to set up Enterprise

& Analytics wide data warehouse in partnership

with Cloudera
▪Architecture
Scaleable, Flexible & Open

Open architecture supports integration of internal processes with best in class 3

5
Adoption of Emergent
Technologies
Cognitive & Blockchain Internet Open
Data Technolog of Bankin
y Things g
“is self-learning “distributed Ledger “is a network of “is when Banks open
systems using data, & Smart Contracts connected devices APIs to external
AI/ML & NLP to using underlying to enable exchange partners”
mimic human output” technology of Crypto of data”
currency ”

YES Bank’s adoption / customer impact

✓ Data Governance for ✓ Blockchain for our ✓ Connected ✓ 500 + Internal APIs in use
Data Quality & Security Supply Chain Finance Consistent ✓ Architected next-gen
✓ First bank - Enterprise ✓ Active expansion Experience of APIs on Micro-services
Data warehouse on Big planned for Businesses ▪ Mobile ✓ Products are designed in a
Data ✓ Integration with ▪ Smart Watch nimble & agile way to
✓ Cognitive BOTs Industry- Wide ▪ Tablet create a better user
Implemented Blockchain (Ripple, etc) ▪ ATM experience
✓ Testing Voice BOTs are WIP ▪ Card Reader
▪ Laptop

✓ Predictive payments ✓ Instant settlement for ✓ Evaluation of secure ✓ Fintech partner

✓ Personalization of
services
✓ Virtual Assistant
Cross Banking transactions for integration
boarder remittances connected devices & smart through API (eg: phonepe)
homes. eg: Alexa, Google ✓ Corporate payments (eg:
Assistant etc Ola driver payouts)
✓ Payments via Wearable 3
6
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. 3
7
OTHER KEY
HIGHLIGHT
S

3
8
Diversified Shareholding
Base
Shareholding Pattern as on 30th June,
2018

Promoter & Promoter

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

Well Diversified Holding with Healthy Mix of Marquee FIIs & DIIs 3
9
YES Bank’s Debt Ratings
Journey
Rating Upgrade Received maiden International Basel III AT1 rating of AA
ICRA & CARE Investment Grade Baa3 long from CARE, India Ratings
LT II:AA- , UT II:A+, term rating from MOODY’S and ICRA
CD:A1+ Investor Services Rating upgrade of maiden
(Highest Grade) AT1 issuance under Basel
ICRA
FY14 FY1
regime by
FY10 9

FY0 FY11 FY17 Rating Upgrade: CARE

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

International Long-term Outlook Short-term

Rating
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 4
Policies 0
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 FMO’s 1st investment in a Green Bond by a
Women owned business bank 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 Technical Assistance Grant for Capacity
business Building

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

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

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

5 year loan from Taiwan : USD 250 Mio Dual Currency Syndicated Loan: USD 422
Maiden Samurai loan of JPY 16.5 Mio
Participation from 17 banks in Taiwan, Nov Participation from 21 banks from 14 countries,
Bln
‘17 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
Participation from 10 Taiwanese banks, Sept
banks
‘16 41
Creating Mindshare For YES
BRAND

ADVERTISING & CUSTOMER &

SPONSORSHIP
✓ Partnering with large
format events
✓ Strategic brand advertisement
of the Bank & its ‘products
across multiple mediums
COMMUNITY
ENGAGEMENT
✓ 12000+ YES Community
Events each year in catchment
areas
✓ Product marketing
✓ Partnership & Alliances

DIGITAL & SOCIAL KNOWLEDGE

MEDIA BANKING
MARKETING ✓ Knowledge events
✓ Robust Customer ✓ CFO Forum
acquisition through Digital ✓ Publications & Newsletters
Channels ✓ Advisory to Trade
✓ Active online Associations
reputation
management

Broadening Customer Building

MINDSHARE 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 1st Indian Bank
1st Bank Globally to
migrate to ISO Report
14001:2015
1st Indian 1st Indian 1st Indian Bank IFC credit line of $ 50 Mn for
Signator Signator to be certified women entrepreneurs India’s 1st Green Retail Liability Product
y y
2005 2006 2007 201 201 201 201 201 201
2009 3 4 5 6 7 8

Responsible 1st Indian 1st Indian Signatory

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

43
Sustainable & Responsible Banking
Leadership
TRANSPARENCY & FACILITATING SUSTAINABLE
ACCOUNTABILITY FINANCE
Triple Bottom Line accounting and Mainstreaming green products and
reporting practices Innovative financing and
Enhanced climate disclosures modelling Environment and social risks
Environmental, Social and management Climate finance literacy
Governance (ESG) disclosures
Green House Gas (GHG) accounting
and Portfolio mapping
Environment Management Systems
(ISO
14001) implementation and certification

POLICY ADVOCACY POSITIVE IMPACT CSR &

THROUGH THOUGHT SUSTAINABLE
LEADERSHIP DEVELOPMENT
Knowledge Reports - Climate change
Livelihood and Water Security
and sustainable development
Employability and
Thought leadership in partnership with
academia, multilaterals, think tanks, regulators Entrepreneurship Environment
and governments sustainability
Policy advocacy as a catalyst within financial Media for social
sector change 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 Fastest Growing Strongest Bank in
Ranked #155
Institution India, 2017, India for SMEs Mid-sized India
Growth Champions 2015 Bank
al Forbes Global 2000 World’s Asiamoney
The Asian
Excellence Largest Public Companies The Banker Country Awards BT- KPMG
India’s Banker Awards
June 2018 London Hong Kong,
Best Banks Geneva - 2016
2018
Mumbai, 2018

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

MSCI ESG
Sustainabili Included in Best Innovation & Asia’s Best Bank Continues to be the India’s Best Bank For
MSCI ACWI ESG Sustainable Financial For Corporate First and Only Corporate Social
ty & CSR Products & Services
Leaders Index Social Indian Bank Responsibility
Excellence and MSCI Karlsruhe Sustainable Responsibility included in
Asiamoney Excellence
ACWI SRI Finance Awards, Euromoney Excellence DJSI Emerging Markets Awards Hong Kong -
Index, 2017 Germany, 2017 Awards Hong Kong - 2017
Index
2016
New York - 2016, 2015
45
Human Capital
Management
Making YES BANK a Great Place to Flat Organization Structure (5
Work levels)

✓ `First and only Bank to partner with “Kaizala Full Average Age
Digital ONLY – Customer & Colleagues self-service 101 46
T p
channel”, powered by Microsoft.
Leadership Training Initiatives by YES School of 265 42
Se ior
Banking
n
Middle 3,35 3
4 7

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

*As of Jun 30, 2018 and as per revised

✓ 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.
l segmentation
✓ 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
4
Distinguished
Board
Mr. Ashok Chawla Mr. Brahm Dutt Lt Gen (Dr.)
Non-Executive Independent Director Mukesh Sabharwal
Independent Chairman (Retd.) Independent
Director
Former Chairman of
Competition Commission of Former Secretary, Ministry of Road
Former Lt General in Indian
Transport and Highways, GOI
India and former Finance Army
Secretary, 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

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

Mr. Rentala Dr. Pratima Mr. Rana

Chandrashekhar Sheorey Kapoor
Independent Director Independent Director MD & CEO

Director of Symbiosis Centre for Promoter/ Professional

Past President of Management and Human
Entrepreneur/ Banker (37+
NASSCOM Resource Development
Years)
(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 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 Down from 42.1% in Growth in PAT
returns. Q1FY18

Robust Growth in Advances with increasing Granularity

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

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

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

`
Demonstrated resolution
1.52% Total Stressed 55.3% PCR capability by posting
Book* Up from 50.0% significant recoveries in NPA
Down from 1.73% sequentially sequentially and Security Receipts book
*NNPA + Security Receipts + Std Restructured

Ratings Upgraded to Regulatory approval from Ranked #1,013 in the

AAA SEBI to commence Forbes Global 2000 -
by CARE from AA+ ‘Mutual Fund Business’ World’s Largest Public
for Infrastructure Bonds and Tier & Companies list for 2018
II Bonds (Basel III) ‘Custodian of Securities’ 49
 Income Growth
Trends
USD Net Interest Non Interest Operating Net
Million USD
Income Income Profit Profit
40 Million
40 35
0 32 0
31 8
4 31
30 27 27 4 27 29
26 30 1
0 5 5 24 24 2
4 0 8
20 20 7 9
20 18 7 7 18
16 20 17
0 2 14 15 4
5 0 14 2
6 7
1
10 10
0 0
- -
Q1FY1 Q2FY1 Q3FY1 Q4FY1 Q1FY1 Q1FY1 Q2FY1 Q3FY1 Q4FY1 Q1FY1
8 8 8 8 9 8 8 8 8 9

Yield on Advances Cost of NIM RoA RoE

Funds (RHS) (LHS) (RHS)
12.0 6.0 2.0 1.8 21.0
10.0 1.7
% 10.4% 9.8 9.9 % % % 1.6 %
% %
% % %
5.0 1.5
8.0 % % 19.4 19.0
6.2 10.2% 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 % % Q1FY18 Q2FY18 Q3FY18 Q4FY18 %
Q1FY19 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

100
million

105 9
USD

70
60 4
67
26
47 51 35
35 32
20 21 22
38 40 42 51 49

Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19

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

6
8
5 8
5 5 1
7 7 8
0
million

1 4
4
USD

04 1 13
9 1 0
7 1 0

1 1 1
1 1
5 9 7
2 4
Q1FY18 Q2FY18 Q3FY18 Q4FY18 Q1FY19

Trade & Facility/Processing Fee Third Party Interchange/ Direct Banking Income General Banking
Remittance Sales Fees
Robust growth in Retail fees on the back of rapidly expanding retail franchise
51
Balance Sheet
Details
USD
USD

4
8
Billion
Billion

4
6
6.7

3
9
3 6.1
5 5.7
3
2

29

3
1
3
1
5.6

3
0
5.5

2
5
2
5
22
2
3
20
2
2

6.5 6.8
5.7 6.2
5.4

2.9 3.3 4.2 4.1

2.7

Jun'1 Sep'1 Dec'1 Mar'1 Jun'1 Q1FY1 Q2FY1 Q3FY1 Q4FY1 Q1FY1
7 7 Advances 7 Deposits 8 Total 8 8 8 8 8 9
assets CA SA Retail TD

USD
14.0%
5
Billion
4
0
7 5
5

9.7%
3
3
4
7 4

2
9

8.7%
2

67.6%

Corporate Medium
Jun'1 Sep'1 Dec'1 Mar'1 Jun'1 Banking Enterprises
7 7 7 8 8 Small and Micro Retail
RWA Tier I Enterprises Banking
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
21.8 18.5% 18.7% distributed across growth
1.7 2.2 2.3
%
% % % sectors.
30-Jun- 31-Mar-18 30-Jun-
17 18
BB and BBB A AA
Below AAA
Sensitive Sector Disclosure

Electricit Iron & Telecom Gems &

y Steel 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

Tota A & Above Tota A& Tota A&

l l Above
l Above 53
 Sectoral Exposure
Mix
Social & Commercial Telecommunicati
Infrastructure 2.4% on 3.6%
Chemical
Travel, Water Agri and Products (Dyes,
Technology/IT
Tourism & Sanitatio Allied Paints, etc.) 1.2%
Roadway ES 1.0%
Rubber, Plastic & Hospitalit n 0.0% 1.5%
Petroleum, Coal and s 0.7% y 3.1
Products
Other Fuels
Railway
0.6 % Aviation Ceme
3.6% V
Parts All (Airport nt
% Textile
Paper & Paper s ehi
&ipment s Eng s) 0.9% 1.4% Commercial Real
s Equ
Products 0.1% 2.8 W aterways
cles g Estate 5.8%
1.4% 1.5 Beverag
0.4% , % 2.7% Diversifie
% es
Other Metal & Metal d 1.0%
0.5%
Products 2.3% Drug
s&
Other Real Estate
etc)( LRD/ Non Phar
CRE 0.4 Other mace
% Industries utical
Educational
13.6% s Services
Other 1.4%
Financial Electrici 1.4%
Services ty
2.0% 8.7%

EPC
NBF
C Granular & 8.1
2.3% Retail %
9.8%
Mining &
Quarrying
0.8%
Media &
Entertainmen
t 2.2% Food
Processin
Iron &
Glass & g 2.4%
Steel
2.6%Finance Healthcare & Hospitals (Non Glassware Gas storage and
Housing
Infra) 0.9% 0.1% pipeline 0.2
Co. Gems and
3.0% Jewellery %
As on 30th Jun, 2018
1.5%
Well diversified portfolio with significant deployment in YES Bank focused knowledge
5
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

5
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