Yes Bank Ltd.

Financial

	Yes Bank	Federal Bank	RBL Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.4 %	3.21 %	5.45 %
Yield On Advances	10.3 %	9.48 %	14.12 %
Gross NPA	1.7 %	2.13 %	2.65 %
Net NPA	0.6 %	0.6 %	0.74 %
CASA Ratio	30.9 %	29.38 %	35.2 %
CASA vs Liabilities	20.3 %	24.06 %	26.31 %
Credit Deposit Ratio	85.5 %	82.92 %	81.17 %
Cost To Income Ratio	75.8 %	62.35 %	64.2 %
Fresh Slippages - Quarterly	1356.0 Crs	352.0 Crs	680.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.4 %	16.13 %	16.18 %
Tier I Capital	12.2 %	14.61 %	14.38 %
Tier 2 Capital	3.2 %	1.52 %	1.8 %
NBFC
Cost of Borrowing	6.4 %	5.97 %	6.51 %
Financials
5 yr Average ROE	-13.74 %	11.56 %	5.59 %
5yr average Equity Multiplier	10.49	12.11	8.81
5yr Average Asset Turnover Ratio	0.09	0.08	0.1
5yr Avg Net Profit Margin	-9.17 %	11.6 %	5.37 %
5yr Avg Net Profit Margin	-9.17 %	11.6 %	5.37 %
5yr CAGR Net Profit	-15.51 %	19.4 %	1.4 %
5yr CAGR Sales	-4.8 %	9.32 %	9.26 %
5 yr CAGR PPOP	-17.0 %	12.43 %	2.96 %
Price to Book	1.77	1.42	1.06
P/E	58.18	11.04	12.43
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.11 %	4.65 %	1.74 %

Business

	Yes Bank	Federal Bank	RBL Bank
Segment Break-Up	Segment Break-Up Consumer Finance 41.55 Corporate Banking 29.89 Treasury Operations 23.08 Corporate/ Whole sale Banking 0 Others 5.48	Segment Break-Up Consumer Finance 0 Corporate Banking 29.05 Corporate Banking 0 Treasury Operations 0 Others 70.95	Segment Break-Up Consumer Finance 0 Corporate/ Whole sale Banking 0 Corporate Banking 0 Treasury Operations 0 Others 100
Loan Break-Up	Loan Break-Up Consumer Finance 46.14 Corporate Banking 23.26 Small and Micro Enterprise 15.51 Medium Enterprise 15.1 Investment Banking 0 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 0 Agriculture and allied activities 0	Loan Break-Up Agricultural 14.65 Infrastructure 6.0 NBFC 10.29 Priority Sector 16.02 Medium Enterprise 0 Investment Banking 0 Commercial Real Estate 2.55 Consumer Finance 0 Corporate Banking 0 Personal Loan 1.68 Small and Micro Enterprise 0 Trading 6.22 Others 42.59	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 70.59 Corporate / Wholesale Banking 12.14 Retail Banking 0 Others 17.27	Operating Profit Break-Up Treasury 5.66 Retail Banking 54.7 Corporate / Wholesale Banking 0 Others 39.64	-
Borrowings Break-Up	Borrowings Break-Up Tier II Borrowings 17.93 Borrowings outside India 13.24 Reserve Bank of India 8.66 IPDI 0.36 Reserve Bank of India ( India ) 0 Tier II 0 LAF 0 CBLO/LTRO 0 Inter-Bank 0 FCY 0 Refinance 0 Others 59.81	Borrowings Break-Up CBLO/LTRO 0 Reserve Bank of India ( India ) 0 Tier II 0 FCY 0 Refinance 0 Reserve Bank of India 0 Borrowings outside India 11.73 IPDI 0 Tier II Borrowings 0 Inter-Bank 0 LAF 0 Others 88.27	Borrowings Break-Up CBLO/LTRO 0 Reserve Bank of India ( India ) 0 Tier Ii 7.0 FCY 42.0 Refinance 51.0 Reserve Bank of India 0 Borrowings outside India 0 IPDI 0 Tier II Borrowings 0 Inter-Bank 0 LAF 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.4 Priority Sector 37.6 Non-Priority Sector 0 Priority Sector 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Non Priority Sector 67.68 Priority Sector 32.32 Priority 0 Non Priority Sector 0 Non-Priority 0	Priority vs Non-Priority Sector Non-Priority Sector 0 Priority Sector 0 Priority Sector 24.68 Non Priority Sector 0 Non Priority Sector 75.32
Rural vs Urban	Rural vs Urban Metro 34.0 Semi-urban 26.0 Urban 21.0 Rural 19.0	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-
NPA Break-Up	NPA Break-Up Retail 42.88 Corporate 32.99 MSME Sector 10.87 Personal loans 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 Agriculture and allied activities 0 Personal Loans 0 Services 0 Advances to Industries 0 Agricultural & Allied Activities 0 Others 13.26	NPA Break-Up Agricultural 27.08 MSME Sector 0 Others 25.69 Retail 0 Infrastructure 5.39 NBFCs 0 Advances to Industries 0 Commercial Real Estate 0.75 Agricultural & Allied Activities 0 Corporate 0 Personal Loan 3.34 Personal Loans 0 Services 0 Trading 12.79 Others 24.96	NPA Break-Up Agriculture and allied activities 0 MSME Sector 0 Other Services 0 Retail 0 Infrastructure 0 NBFCs 0 Advances to Industries 36.36 Commercial Real Estate 0 Agriculture 15.8 Corporate 0 Personal loans 0 Personal Loans 18.53 Services 29.3 Trade 0 Others 0.01

Yes Bank Ltd.

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