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 th 4 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 MEDIUM Bank LARGE Bank Set-Up Phase Build-Up Phase Scale-Up Phase (Inception – FY10) (FY11– FY15) (FY16– FY20)

• Only Greenfield Bank to be • Established Corporate & • Rapidly expanding Market established in India (in SME Banker. share supported by all 3 2004) over past 2 decades. engines of growth: Corporate, • Expansion of Retail MSME & Retail • Started as Mid Corporate/ Liabilities, Distribution SME Bank Network, Products & • Deepening Mindshare: People Capturing entire Lifecycle of • Building Blocks for Retail its Customers Liabilities • Building blocks for Retail Assets • Increasing Granularity: • CASA ratio reached 10.5% Momentum in Retail Assets & • CASA Ratio reached 23% SME • CAGR: (FY07-10) Advances – 74.3% • CAGR: (FY11-15) • Building Blocks for Future Deposits – 74.2% Advances – 27.8% Now : Digital Strategy PAT – 71.4% Deposits – 27.7% PAT – 33.2% • 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

Prudent Risk Management Framework: 4 • 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% 1.2% 1.3% 1.7% 1.0% 1.1% 1.3%

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 2,885 1,545 1,819 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% 0.60%

762 38.0% 0.53% 606 0.50% 0.40% 395 34.0% 0.38% 298 1,128 0.20% 845 509 666

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% 616 19.9% 1.4% 19.0% 486 1.3% 17.7% 16.0% 370 QIP – US$ 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 Seasoned Assets: & Relationships & Risk – Further supported by Complete Product Suite 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

Healthy Growth in MSME Advances with best in class Portfolio: USD Million MSME CAGR of 27% (FY16 - 18) ✓ 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 1,871 ▪ 1,335 Micro Enterprise ($ 0 - 2 Mn): Small Ticket granular lending leveraging on branch distribution network. Avg. Ticket Size - $ 0.1 Mn 2,876 2,730 2,031 1,550 1,590 ✓ 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) 5,000 14.0% Strong Growth Momentum in Retail Assets:

14.0%

4,000 12.2% ✓ Retail Assets doubled to 14.0% of Total Advances

12.0% 10.8% ✓ 3,000 Diversified book across all 13 Products

9.4% 10.0% 9.1% 4,394 ✓ Focus on building quality Customer Franchise by offering 2,000 3,621 entire gamut of product & services

8.0%

1,000 1,545 1,819 1,002 ✓ 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 PRODUCT SUITE ✓ ✓ Term Loan Term Loan ✓ Trade ✓ ✓ Working Capital Working Capital ✓ Treasury ✓ ✓ Trade Trade ✓ CMS ✓ ✓ Complete suite of Retail Products: ✓ CMS CMS ✓ Investment banking Assets and Liabilities CORPORATES RETAIL SUPPLIERS VENDORS

CUSTOMERS RELATIONSHIP

✓ Retail Banking ✓ MEB ✓ MEB ✓ 8 Focused Segments of ✓ SEB ✓ SEB CORPORATE BANKING ✓ MIB ✓ MIB LIFE CYCLE BANKING CYCLE LIFE ✓ 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. ▪ Business opportunity of 3,000+ Travel Distributors & Chemists with ▪ 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 RECOGNITIONS Securitization Advisory Committee Successfully concluded marquee Ranked among Top 2 by Prime transactions for AAA/AA+ Rated Database in the ‘Private Issuers Representation on the Board of Issuers Category – Mfg & NBFCs’ league table (FIMMDA) for 7 years in the past. in 4 out of 5 years from FY13-FY17

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: Agriculture 2022 Working Group; culminated with a presentation to the Hon’ble PM ✓ GoI Ministries (MoA, MoC, NABARD etc) ➢ Significant client origination/ relationship deepening ✓ State Governments with over 200 Clients including NTBs ✓ Reputed Embassies ➢ 20 % of the 171 projects granted approval under the Pradhan Mantri Kisan SAMPADA Yojana in the past YES AGRITECH Launched (Start Up two years have been advised & financed by YBL Accelerator Program) in collaboration with ITC, Nestle, MTR, M&M, Amul, FSSAI etc ➢ 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% 11.4% 11.5% 10.7% 28% 6 ✓ Demonstrated Ability to Raise Capital across instruments and 17.3% 17.0% 18.4% 21% 16.5% cycles including Hybrid Instruments (Tier I/II) 4 15.6% 14%

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

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

Improving Fund Profile Components

38% CASA+Retail TD ✓ Increasing Tenor of Borrowings 34% 17% Capital+Tier I + Tier II 14% 10% ✓ Increasing proportion LT Borrowing of CASA, Retail TD, Long Term 8% Borrowing in overall Funding Profile 4% Refinanced 4% 26% Corporate Deposits ✓ Successful Long-Term funding from marquee global 35% 2% Short Term financial institutions including multilateral government 3% 2% agencies such as IFC, OPIC, ADB etc CD 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 RBI stipulated parameters. (INR denominated Assets & Liabilities)

Liquidity Coverage Ratio Reducing Concentration of Deposits

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

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. 1250 ✓ 13 Metro/Urban and 3 dedicated RIBB regions 150 1105 ✓ 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 OperatingImproving Area indexed to 100% for branches with maturity of > 5 years > 5 years 1-3 years 3-5 years Vintage < 1 year 0-1 years Maturity Profile of Branches demonstrating Past Past Investments Resulting in Leverage;Operating Present/Future Investments to have quicker Turnaround Duration New/ Upcoming Branches having SmallerArea; 41% to have Breakevenquicker Period further scope for Leverage 1-3 years 18% 8% 44% 3-5 years 57% 33% 77% going forward significantleverage vintage; to provide currently with <3years the 40% of branches 5+ years 100% USD’ 000 USD’ 000 USD’ 1,000 2,000 3,000 4,000 5,000 - 10,000 12,000 2,000 4,000 6,000 8,000 0 Mar'15 LeveragingBranchandInvestmentin People Mar'15 1,587 Retail Advances/Branches 4,871 93 284 CASA/Branch Mar'16 Mar'16 1,796 5,315 103 305 Mar'17 Mar'17 1,819 7,564

376 CASA/Employee 90 Retail Advances/Employee Mar'18 Mar'18 3,292 9,701 199 585 Jun'18 Jun'18 3,976 9,888 224 558 26 - 50 100 150 200 250 0 100 200 300 400 500 600 700 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% 1.5% 1.3% 0.4% 0.8% 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 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 Retail continues to be well rated Gross Advances; Entire Funded and Granular Advances with almost 80% portfolio exposure of $ 83.1 mn classified rated ‘A’ or better * and well as NPA with PCR of 43% • One of the best Retail & distributed across growth SME books as per reputed sectors. • Minimal impact of RBI’s Feb Credit Information company Detailed Slide 12th, 2018 Circular 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 Ranked 1st as a Remitter bank Consistently 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 Payments and categories including (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 Banking Money API’s and NPCI products, sourced digitally Banking 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 •Microsoft Kaizala Platform Automation of escalation of open issues

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

Open architecture supports integration of internal processes with best in class solutions 35 Adoption of Emergent Technologies

Cognitive & Blockchain Internet of Open Data Technology Things Banking

“is self-learning “distributed Ledger & “is a network of “is when Banks open systems using data, Smart Contracts connected devices to APIs to external AI/ML & NLP to using underlying enable exchange of partners” mimic human output” technology of Crypto data” currency ”

YES Bank’s adoption / customer impact

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

✓ Predictive payments ✓ Instant settlement for Cross ✓ Evaluation of secure Banking ✓ Fintech partner integration ✓ Personalization of services boarder remittances transactions for connected through API (eg: phonepe) devices & smart homes. eg: ✓ ✓ Virtual Assistant 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 ✓ LIC (India’s Largest Insurance Group Companies 20% 13.2% Company) holding of 8.29%

Mutual Funds ✓ Constituent of Nifty 50, Sensex 11.6% 30, MSCI EM, MSCI India Resident indices FII/FPI Individuals 42.5% 8.8% ✓ Leadership in ESG - Only Others Indian Bank 3.9% 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 CUSTOMER & COMMUNITY ENGAGEMENT ✓ Partnering with large format events ✓ 12000+ YES Community Events ✓ Strategic brand advertisement of each year in catchment areas the Bank & its ‘products across ✓ Product marketing multiple mediums ✓ Partnership & Alliances

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

Broadening Customer MINDSHARE Building MARKETSHARE

42 Responsible Banking – Journey So Far

Commitment to mobilize rd ADB Credit Line of Issued 3 Green Bond with FMO $1Bn by 2023 and $ 5Bn $200 Mn for SHGs by 2030 for solar energy Launched India’s 1st TCFD aligned 1st Indian Bank 1st Bank Globally to Sustainability Report 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 1st and Only Indian Bank Banking instituted Signatory (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 st 1 Sustainability Issued India’s 1st Green Bond in Feb 2015 OeEB credit Report line of $30 Mn Issued Green Masala Bond for Solar & st with IFC in Aug 2015 1 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 The Banker Asiamoney BT- KPMG India’s Forbes Global 2000 World’s The Asian Banker Largest Public Companies Country Awards Best Banks London Awards June 2018 Hong Kong, 2018 Mumbai, 2018 Geneva - 2016

Best Trade Finance Bank in India - 2018, 2017, 2016, 2015 Technology, APAC Leader in Best Implementation Instant Payment Transaction Bank Best Financial Supply Chain, 2018, 2017 Digital Transformation of Digital Payments Products Best Corporate Payments Project in India, 2018, 2016 of the Year - APAC Innovation & IDC Financial Insights award (UPI+IMPS+BHIM+ Best Corporate Trade Finance Deal in India, 2018, 2015 Supply Chain Finance Service Innovation Awards USSD) Best API Initiative, Application or Platform (Bank), 2018 BW Businessworld - Global Winner (FIIA) Digital India Summit Best Blockchain Initiative, Application or Programme, 2018 National Payments The Banker- Best Productivity, Efficiency & Automation Initiative, Hong Kong & Awards 2018 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 Sustainable Financial & CSR MSCI ACWI ESG Corporate Social First and Only Indian Corporate Social Products & Services Bank included in Excellence Leaders Index and MSCI Responsibility Responsibility ACWI SRI Index, 2017 Karlsruhe Sustainable Euromoney Excellence DJSI Emerging Markets Finance Awards, Asiamoney Excellence Awards Hong Kong - Index Awards Hong Kong - Germany, 2017 2016 New York - 2016, 2015 2017

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 Senior 265 42 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 ✓ Total Headcount of 19,597 ✓ Structured engagement with over 2000 B-Schools ✓ Average Age – 32 years HCM Strategy ✓ Average vintage in YES BANK: 8.2 yrs for Top Management ✓ Competitive C&B to attract, motivate and retain talent & 6.5 years for Sr. Management ✓ ‘Professional Entrepreneurship’ Culture based on values ✓ Wealth creation through ESOPs to sustain competence, collaboration and compliance. ✓ Talent acquisition from Peer Private Sector & MNC Banks ✓ Robust & Diversified Talent Acquisition ✓ Building a ‘Leadership Supply Chain’ ✓ World class HCM Service Delivery & Process ✓ Initiatives to continuously enhance organizational and ✓ Ranked no 2. in Dream Companies to Work For by Times Ascent individual productivity/effectiveness/cost management. 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 Former Secretary, Ministry of Road Commission of India and former 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* 55.3% PCR capability by posting significant Down from 1.73% sequentially Up from 50.0% sequentially recoveries in NPA and Security ` Receipts book *NNPA + Security Receipts + Std Restructured

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

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% 3.3% 0.5%

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

100 million 94 70 105 60 USD 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 5 8 5 5 10 7 7 8 million 4 3 10 4 10 10 USD 4 9 11 7 19 17 12 14 15

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 48 46 46

39 39 6.1 6.7 35 35

32 32 5.7

31 31

31 31 30 30

29 29 5.5 5.6

25 25

25 25

23 23

22 22 22 22 20 20 6.5 6.8 6.2 5.4 5.7

4.2 4.1 2.7 2.9 3.3

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

50 6

USD Billion 5 5

5 5 14.0%

5 5 40 40

5 37 37

40 9.7%

33 33

4 4 4 4

4 29 29

30 27 8.7% 3 67.6%

20

2

10

1

- - 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% 2.0% Non-Renewable Electricity 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, Technology/ITES Water Agri and Allied (Dyes, Paints, etc.) Tourism & 1.0% Sanitation 1.5% 1.2% Roadways Rubber, Plastic & Hospitality Petroleum, Coal and Other 0.0% 0.7% Products 3.1% Fuels Vehicles, Cement 0.6% Aviation 3.6% Railways Parts & All 1.4% Textiles (Airports) Paper & Paper Products 0.1% Equipments Engg Commercial Real Estate 1.4% Waterways 0.9% 0.4% 2.8% 2.7% 5.8% 1.5% Beverages Diversified Other Metal & Metal Products 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) Housing Finance Co. 0.1% Gas storage and pipeline 0.9% 3.0% Gems and Jewellery 0.2% 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