Yes Bank Ltd.

Financial

	Yes Bank	Bandhan Bank	Federal Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.4 %	7.2 %	3.21 %
Yield On Advances	10.3 %	13.4 %	9.48 %
Gross NPA	1.7 %	7.0 %	2.13 %
Net NPA	0.6 %	2.2 %	0.6 %
CASA Ratio	30.9 %	36.1 %	29.38 %
CASA vs Liabilities	20.3 %	27.01 %	24.06 %
Credit Deposit Ratio	85.5 %	93.83 %	82.92 %
Cost To Income Ratio	75.8 %	46.1 %	62.35 %
Fresh Slippages - Quarterly	1356.0 Crs	1390.0 Crs	352.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.4 %	17.9 %	16.13 %
Tier I Capital	12.2 %	16.9 %	14.61 %
Tier 2 Capital	3.2 %	1.0 %	1.52 %
NBFC
Cost of Borrowing	6.4 %	6.6 %	5.97 %
Financials
5 yr Average ROE	-13.74 %	13.6 %	11.56 %
5yr average Equity Multiplier	10.49	6.73	12.11
5yr Average Asset Turnover Ratio	0.09	0.13	0.08
5yr Avg Net Profit Margin	-9.17 %	15.5 %	11.6 %
5yr Avg Net Profit Margin	-9.17 %	15.5 %	11.6 %
5yr CAGR Net Profit	-15.51 %	2.38 %	19.4 %
5yr CAGR Sales	-4.8 %	18.98 %	9.32 %
5 yr CAGR PPOP	-17.0 %	13.6 %	12.43 %
Price to Book	1.67	1.45	1.29
P/E	54.82	10.1	10.04
Shareholdings
Promoter Holding	0.0	39.98 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.01 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.11 %	6.28 %	4.65 %

Business

	Yes Bank	Bandhan Bank	Federal Bank
Segment Break-Up	Segment Break-Up Consumer Finance 41.83 Corporate Banking 32.49 Treasury Operations 22.11 Retail banking 0 Corporate/ Whole sale Banking 0 Others 3.57	Segment Break-Up Consumer Finance 0 Consumer Finance 81.48 Corporate/ Whole sale Banking 0 Corporate Banking 0 Treasury Operations 0 Others 18.52	Segment Break-Up Consumer Finance 0 Retail banking 0 Corporate Banking 25.56 Corporate Banking 0 Treasury Operations 0 Others 74.44
Loan Break-Up	Loan Break-Up Consumer Finance 47.39 Corporate Banking 23.0 Small and Micro Enterprise 15.24 Medium Enterprise 14.37 Investment Banking 0 CB 0 EEB Individual 0 EEB Group 0 Mortgages 0 NBFC-Others 0 NBFC-MFI 0 Retail 0 Small & Medium Enterprises (SME) loans 0 Microloans 0 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 0 Agriculture and allied activities 0	Loan Break-Up Mortage 4.5 Agriculture and allied activities 0 Commercial Real Estate 0 Investment Banking 0 Infrastructure 0 Consumer Finance 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 0 0 Retail 3.9 Microloans 0 CB 21.6 EEB Individual 0 NBFC-MFI 0 NBFCs 0 Small and Micro Enterprise 0 EEB Group 33.4 Trade 0 NBFC-Others 0 Corporate Banking 0 Medium Enterprise 0 Others 36.6	Loan Break-Up Mortgages 0 Agricultural 12.82 Commercial Real Estate 2.51 Investment Banking 0 Infrastructure 5.72 Consumer Finance 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 2.53 Priority Sector 15.51 Retail 0 Microloans 0 CB 0 EEB Individual 0 NBFC-MFI 0 NBFC 11.17 Small and Micro Enterprise 0 EEB Group 0 Trading 6.27 NBFC-Others 0 Corporate Banking 0 Medium Enterprise 0 Others 43.47
Location Wise Break-Up	Location Wise Break-Up India 100.0 Western 0 Southern 0 Northern 0 Central 0 North Eastern 0 Eastern 0 Rest of the World 0	Location Wise Break-Up Eastern 46.0 India 0 South 10.0 Rest of the World 0 Central 17.0 North 7.0 West 10.0 North Eastern 10.0	Location Wise Break-Up Eastern 0 India 100.0 Southern 0 Rest of the World 0 Central 0 Northern 0 Western 0 North Eastern 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate / Wholesale Banking 76.76 Retail Banking 0 Treasury 0 Corporate/Wholesale Banking 0 Others 23.24	Operating Profit Break-Up Corporate / Wholesale Banking 0 Treasury Operations 15.67 Corporate Banking 4.25 Retail Banking 76.2 Others 3.88	Operating Profit Break-Up Corporate / Wholesale Banking 0 Treasury 16.38 Corporate/Wholesale Banking 0 Retail Banking 54.71 Others 28.91
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 Other Institutions & agencies 0 Other banks - India 0 Reserve Bank of India ( India ) 0 Others 59.81	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 0 Other Institutions & Agencies 95.95 Other banks - India 4.05 IPDI 0 Tier II Borrowings 0 Reserve Bank of India ( India ) 0	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 11.73 Other Institutions & agencies 0 Other banks - India 0 IPDI 0 Tier II Borrowings 0 Reserve Bank of India ( India ) 0 Others 88.27
Rural vs Urban	Rural vs Urban Metro 34.0 Semi-urban 26.0 Urban 21.0 Rural 19.0	-	-
NPA Break-Up	NPA Break-Up Corporate 48.37 Retail 36.53 MSME Sector 10.28 Industry sector 0 Personal loans 0 Services 0 0 Agriculture and allied activities 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 Others 4.82	NPA Break-Up Corporate 0 NBFCs 0 Agricultural 10.02 Commercial Real Estate 0 Other Services 0 Advances to industries 6.71 Personal Loan 20.92 Infrastructure 0 Retail 0 Trade 0 MSME Sector 0 Industrial & Commercial 13.54 Services 48.8 Others 0.01	NPA Break-Up Corporate 0 NBFCs 0 Agricultural 27.08 Commercial Real Estate 0.75 Others 25.69 0 Personal Loan 3.34 Infrastructure 5.39 Retail 0 Trading 12.79 MSME Sector 0 Industry sector 0 Services 0 Others 24.96
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 62.4 Priority Sector 37.6 Non Priority Sector Lending 0 Priority sector Lending 0 Non-Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector 50.22 Priority Sector 49.78 Priority Sector 0 Non-Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Non Priority Sector Lending 0 Priority sector Lending 0 Priority Sector 32.32 Non Priority Sector 67.68

Yes Bank Ltd.

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