Yes Bank Ltd.

Financial

	Yes Bank	Indusind Bank	Federal Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.4 %	3.93 %	3.11 %
Yield On Advances	10.1 %	12.21 %	9.39 %
Gross NPA	1.6 %	2.25 %	1.95 %
Net NPA	0.5 %	0.68 %	0.49 %
CASA Ratio	33.1 %	35.0 %	30.16 %
CASA vs Liabilities	22.19 %	26.08 %	23.64 %
Credit Deposit Ratio	88.3 %	89.61 %	86.48 %
Cost To Income Ratio	71.1 %	52.5 %	53.12 %
Fresh Slippages - Quarterly	1348.0 Crs	2200.0 Crs	486.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.3 %	16.46 %	15.16 %
Tier I Capital	12.6 %	15.18 %	13.78 %
Tier 2 Capital	3.7 %	1.28 %	1.38 %
NBFC
Cost of Borrowing	6.5 %	5.7 %	6.01 %
Financials
5 yr Average ROE	-14.4 %	12.57 %	12.58 %
5yr average Equity Multiplier	9.59	8.4	11.84
5yr Average Asset Turnover Ratio	0.09	0.1	0.08
5yr Avg Net Profit Margin	-9.38 %	13.26 %	12.46 %
5yr Avg Net Profit Margin	-9.38 %	13.26 %	12.46 %
5yr CAGR Net Profit	n/a	15.03 %	19.53 %
5yr CAGR Sales	-2.81 %	9.06 %	11.6 %
5 yr CAGR PPOP	-22.03 %	7.94 %	11.2 %
Price to Book	1.13	0.77	1.46
P/E	24.41	6.98	11.72
Shareholdings
Promoter Holding	0.0	16.29 %	0.0
Share Pledged by Promoters	0.0	50.86 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.24 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.17 %	18.26 %	3.31 %

Business

	Yes Bank	Indusind Bank	Federal Bank
Segment Break-Up	Segment Break-Up Consumer Finance 41.53 Corporate Banking 34.54 Treasury Operations 20.45 Corporate/ Whole sale Banking 0 Others 3.48	Segment Break-Up Corporate Banking 0 Corporate/ Whole sale Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100	Segment Break-Up Corporate Banking 0 Corporate Banking 26.1 Treasury Operations 0 Consumer Finance 0 Others 73.9
Loan Break-Up	Loan Break-Up Consumer Finance 40.76 Corporate Banking 25.91 Small and Micro Enterprise 17.15 Medium Enterprise 16.18 Investment Banking 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0	Loan Break-Up Commercial Real Estate 0 Small and Micro Enterprise 0 Services 54.57 Investment Banking 0 Corporate Banking 0 Metals 2.55 Infrastructure 2.78 0 Agricultural 14.81 NBFCs 0 Trade 0 0 Personal Loan 10.64 Gems & Jewelry 2.24 Medium Enterprise 0 Personal Loan 0 Consumer Finance 0 Others 12.41	Loan Break-Up Commercial Real Estate 3.16 Small and Micro Enterprise 0 Services 0 Investment Banking 0 Corporate Banking 0 Basic Metal and Metal Products 0 Infrastructure 6.99 0 Agricultural 12.58 NBFC 11.29 Trading 5.66 Priority Sector 12.7 Personal loans 0 Gems and Jewellery 0 Medium Enterprise 0 Personal Loan 2.52 Consumer Finance 0 Others 45.1
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 Corporate / Wholesale Banking 52.12 Treasury 47.88 Retail Banking 0	Operating Profit Break-Up Treasury 1.81 Retail Banking 72.25 Corporate / Wholesale Banking 0 Others 25.94	Operating Profit Break-Up Treasury 12.78 Retail Banking 49.09 Corporate / Wholesale Banking 0 Others 38.13
Borrowings Break-Up	Borrowings Break-Up Tier II Borrowings 17.44 Borrowings outside India 15.24 Reserve Bank of India 2.06 IPDI 0 0 Long Term Infrastructure Bonds 0 Reserve Bank of India ( India ) 0 Others 65.26	Borrowings Break-Up 0 Borrowings outside India 40.98 Reserve Bank of India 0 IPDI 0 Tier II Borrowings 0 Long Term Infrastructure Bonds 3.15 Reserve Bank of India ( India ) 0 Others 55.87	Borrowings Break-Up 0 Borrowings outside India 14.3 Reserve Bank of India 0 IPDI 0 Tier II Borrowings 0 Long Term Infrastructure Bonds 0 Reserve Bank of India 11.33 Others 74.37
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	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 57.88 Priority Sector 42.12 Non Priority Sector 0 Priority Sector 0 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 30.34 Non-Priority Sector 0 Non Priority Sector 69.66	Priority vs Non-Priority Sector Priority Sector 32.74 Non Priority Sector 67.26 Non Priority Sector 0
NPA Break-Up	NPA Break-Up Retail 56.17 Corporate 18.55 MSME Sector 15.14 Industries - Other 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Others 10.14	NPA Break-Up Other Services 0 Services 38.55 Corporate 0 Metals 0.18 Infrastructure 1.99 0 Retail 0 Agricultural 30.47 NBFCs 0 Trade 0 0 Gems & Jewelry 0.45 Personal Loan 14.54 Commercial Real Estate 0 MSME Sector 0 Industries - Other 0 Others 13.82	NPA Break-Up Others 29.44 Services 0 Corporate 0 Basic Metal and Metal Products 0 Infrastructure 5.88 0 Retail 0 Agricultural 17.73 NBFC 0.04 Trading 11.33 0 Gems and Jewellery 0 Personal Loan 5.65 Commercial Real Estate 0.74 MSME Sector 0 Industries - Other 0 Others 29.19

Yes Bank Ltd.

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