Press Release and Investor Presentation on the Financial Results for the Quarter (Q2) ended on September 30, 2026

YBL/CS/2026-27/119 October 17, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, Corporate Relations Department Plot no. C/1, G Block, P.J. Towers, Dalal Street Bandra - Kurla Complex Mumbai – 400 001 Bandra (E), Mumbai - 400 051 BSE Scrip Code: 532648 NSE Symbol: YESBANK Dear Sir / Madam, Sub.: Press Release and Investor Presentation on the Financial Results for the Quarter (Q2) ended on September 30, 2026 Ref.: Reg. 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) This is further to the Outcome of Board Meeting held on October 17, 2026, wherein YES Bank Limited (“the Bank”) had disclosed the Un-Audited Standalone and Consolidated Financial Results of the Bank for the Quarter (Q2) and Half Year ended September 30, 2026, along with the Limited Review Report of the Joint Statutory Auditors of the Bank. In reference to our letter no. YBL/CS/2026-27/118 dated October 17, 2026, the Press Release and Investor Presentation on the Financial Results for the Quarter (Q2) ended September 30, 2026, is enclosed herewith for appropriate dissemination. The Investor Presentation (enclosed) to be presented on October 19, 2026 at the Investor / Analyst Call has also been hosted on the website of the Bank and can be accessed at: https://www.yes.bank.in/about-us/investors-relation/financial-information/investor-presentation The weblink of BSE Limited and National Stock Exchange of India Limited providing the above information is being hosted on the Bank’s website www.yes.bank.in pursuant to Listing Regulations, as amended. You are requested to take the same on record. Thanking you, Yours faithfully, For YES BANK LIMITED Sanjay Abhyankar Company Secretary Encl: Press Release and Investor Presentation October 17, 2026quality Q2FY27 Key Highlights 1 ▪ P&L Highlights • Net Profit at INR 1,080 Crs, up 65.0% Y-o-Y; RoA at 0.9% and RoE at 8.2% • Operating Profit at INR 1,678 Crs, up 29.4% Y-o-Y; NII up 22.7% Y-o-Y and Core Fees growth at 15.5% Y-o-Y ▪ Balance Sheet Highlights • Total Deposits at INR 3,54,004 Crs, up 19.5% Y-o-Y (AQB3 growth at 22.1% Y-o-Y); Retail & Branch-led Deposits grew 20.9% Y-o-Y and comprised 58.8% of Total Deposits • FCNR (B)2 mobilisation during the RBI concessional swap window aggregated to INR 18,575 Crs (~US$ 1.94 bn) • CASA AQB2 grew 15.5% Y-o-Y; CA AQB3 grew 21.8% Y-o-Y & SA AQB3 grew 11.6% Y-o-Y • Advances at INR 3,09,510 Crs, up 23.7% Y-o-Y; normalised for FCTL4 related to FCNR (B), Advances growth at 17.6% Y-o-Y and 3.2% Q-o-Q • Retail Assets disbursements grew 35.0% Y-o-Y; Commercial Banking Advances grew 20.2% Y-o-Y; Corporate & Institutional Banking Advances grew at 31.4% Y-o-Y • Average Quarterly LCR remained healthy at 131.4%; CET I Ratio stood at 13.7% ▪ Asset Quality Highlights • GNPA ratio: 1.2%, down 40 bps Y-o-Y (down 10 bps Q-o-Q); NNPA ratio: 0.2%, down 10 bps Y-o-Y • Net Credit Costs for the quarter stood at ~0.3% of Avg. assets (on annualised basis) 1 The Hon’ble Supreme Court vide its judgement dated October 15, 2026, upheld the Bombay High Court judgement relating to the write-down of the Bank’s Additional Tier 1 Bonds aggregating to INR 8,415 Crs and dismissed the appeals filed in the matter. The Bank is yet to complete its assessment and determination of the implications. Accordingly, no impact arising from the judgement has been recognised in the reported Q2FY27 financial results. 2. Foreign Currency Non-Resident (Bank);3 Avg. Quarterly Balance; 4 Foreign Currency Term Loan Commenting on the results and financial performance, Mr. Vinay M. Tonse, Managing Director & CEO, YES BANK said, “YES BANK delivered another quarter of steady performance, with Net Profit growing 65% year-on-year to INR 1,080 Crs, supported by healthy growth in core operating income and continued improvement in asset quality. The Bank also achieved significant balance- sheet milestones, with Total Assets surpassing INR 5 lakh Crs, Deposits crossing INR 3.5 lakh Crs and Advances exceeding INR 3 lakh Crs. We respect the judgment of the Hon’ble Supreme Court relating to the Bank’s Additional Tier 1 Bonds. We are examining it in detail and will take appropriate steps in accordance with the applicable legal and regulatory requirements. We will keep our stakeholders informed as matters progress. The Bank remains firmly focused on sustaining the strength and growth of its franchise, while continuing to provide our customers with consistent service and support across their banking requirements.” Page 1 of 4 Q2FY27 - Financial Highlights Profit and Loss ▪ Net Profit for Q2FY27 at INR 1,080 Crs, up 65.0% Y-o-Y and flattish Q-o-Q ▪ Q2FY27 RoA at 0.9% v/s 0.6% in Q2FY26 and 0.9% in Q1FY27 ▪ Operating Profit for Q2FY27 at INR 1,678 Crs, up 29.4% Y-o-Y ▪ Q2FY27 NII at INR 2,822 Crs, up 22.7% Y-o-Y and 1.3% Q-o-Q ▪ NIM at 2.6% v/s 2.5% in Q2FY26 and 2.7% in Q1FY27; Cost of Funds at 5.7% and Cost of Deposits at 5.5% ▪ Non-Interest Income at INR 1,882 Crs, up 14.4% Y-o-Y and 4.7% Q-o-Q; Core Fees grew 15.5% Y-o-Y ▪ Cost-to-Income Ratio at 64.3% in Q2FY27 v/s 67.1% in Q2FY26 and 62.8% in Q1FY27 ▪ Non-Tax Provision Costs at INR 317 Crs, at 0.3% of Avg. Assets for Q2FY27 ▪ P&L gains from Security Receipts at INR 395 Crs in Q2FY27 and INR 481 Crs in H1FY27 ▪ RoE at 8.2% for Q2FY27 v/s. 5.4% in Q2FY26 and 8.3% in Q1FY27 Balance Sheet ▪ Advances cross milestone of INR 3 lakh Crs- Net Advances at INR 3,09,510 Crs grew 23.7% Y-o-Y; normalised for FCTL, growth rate at 17.6% Y-o-Y and 3.2% Q-o-Q • Q2FY27 disbursements (ex. FCTL) grew 50.1% Y-o-Y • Retail Assets disbursement grew 35% Y-o-Y in Q2FY27 ▪ C/D ratio at 87.4% v/s. 84.5% in Q2FY26 and 90.4% in Q1FY27; Normalised for FCTL, CD Ratio at 83.1% ▪ Deposits cross milestone of INR 3.5 lakh Crs- Total Deposits at INR 3,54,004 Crs grew 19.5% Y-o-Y and 12.2% Q-o-Q, partly aided by FCNR (B) • FCNR (B) mobilisation during the RBI concessional swap window aggregated INR 18,575 Crs (~US$ 1.94 bn) • Retail & Branch-led Deposits at INR 2,07,985 Crs grew 20.9% Y-o-Y and comprised 58.8% of Total Deposits • CASA Deposits at INR 1,06,175 Crs grew 6.5% Y-o-Y; CASA AQB grew 15.5% Y-o-Y • CA deposits grew 7.4% Y-o-Y and 5.6% Q-o-Q; AQB growth at 21.8% Y-o-Y • SA deposits grew 5.8% Y-o-Y; AQB growth at 11.6% Y-o-Y and 2.1% Q-o-Q ▪ Average Quarterly LCR during the quarter remains healthy at 131.4% ▪ CET I Ratio stands at 13.7% v/s 13.9% in Q2FY26 and 14.0% in Q1FY27 • RWA to Total Assets at 69.1% v/s 71.7% in Q2FY26 and 73.2% in Q1FY27 ▪ PSL shortfall Deposits at INR 25,844 Crs, lower 23.0% Y-o-Y and 5.8% Q-o-Q, now account for 5.0% of Total Assets ▪ Borrowings increased by 25.5% Y-o-Y and 14.4% Q-o-Q, primarily led by IBU related Borrowings related to FCNR (B) mobilization ▪ Investments at INR 100,355 Crs up 20.6% Y-o-Y and 8.2% Q-o-Q Page 2 of 4 Asset Quality ▪ GNPA ratio improved to 1.2% in Q2FY27 v/s 1.6% in Q2FY26 and 1.3% in Q1FY27 ▪ NNPA ratio at 0.2% in Q2FY27 v/s 0.3% in Q2FY26 and 0.2% in Q1FY27 ▪ PCR at 80.5% in Q2FY27 v/s 81.0% in Q2FY26 and 81.7% in Q1FY27 ▪ Net Credit Costs for the quarter stood at 0.3% of average assets v/s 0.4% in Q2FY26 and 0.3% in Q1FY27 ▪ Gross Slippages1 for Q2FY27 were INR 1,035 Crs (1.3% of Advances) v/s. INR 1,248 Crs (2.0%) in Q2FY26 and INR 964 Crs (1.4%) in Q1FY27 ▪ Retail Banking Slippages1 at 2.7% of Retail Advances in Q2FY27 v/s 4.0% in Q2FY26 and 2.7% in Q1FY27 ▪ Recoveries & Upgrades for Q2FY27 at INR 954 Crs, including P&L gain from Security Receipts of INR 395 Crs for Q2FY27 Other Highlights/ Achievements ▪ Credit Ratings Upgrades: • CRISIL upgraded long-term ratings to ‘CRISIL AA+ (Stable)’ from ‘CRISIL AA- (Stable)’ • India Ratings upgraded long-term ratings to ‘IND AA+ (Stable)’ from ‘IND AA- (Stable)’ ▪ Awarded at the Asian Banking and Finance Wholesale Banking Awards 2026 for Indian Domestic Project Finance Bank of the Year and Indian Domestic Green Financing Bank of the Year ▪ Recognised among India's Best Comp [Showing first 8,000 characters — download PDF for full document]