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Investor Presentation FY22 & Q4FY22 Financial Results

Strategic Objectives & Guidance Tracker Key Strategic Objectives FY 2020 FY 2021 (YBL Reconstruction Scheme) FY 2022 Guidance Status FY 2022 YES BANK FY 2023 Guidance CASA Ratio Retail & MSME: Corporate Mix Advances Y-o-Y Growth -29% 26.6% 26.1% > 30% Achieved 60%:40% 44%:56% 51%:49% Achieved Medium Term (FY23-25) Targets -3% >15% growth 31.1% 35% 60%:40% Further Improve mix by >400 bps 8% >15% growth Corporate -40% -15% Wholesale ~10% growth Sustained Momentum in granular and diversified business (11%) 10% growth Y-o-Y Growth Medium Ent -29% 10% 32% SME -10% -5% >25% growth SME & Retail Y-o-Y Growth ~20% growth Achieved 26% Retail -1% 23% C/D ratio 162.7% 102.4% < 100% Achieved Recoveries & Upgrades ~INR 5,782 Crs > INR 5,000 Crs 91.6% Achieved INR 7,290 Crs¹ RoA -7.1% 1 Includes Covid & MSME Restructuring of ~INR 1,150 Crs in FY22 -1.3% 1-1.5% Medium Term (FY23-25) Targets On Track 0.4% Sustain < 100% > INR 5,000 Crs >0.75% Medium Term Targets 1 - 1.5% LO

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