Integrated Annual Report of YES Bank Limited for Financial Year 2025-26

YBL/CS/2026-27/68 July 24, 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 Sirs/Madam, Sub.: Integrated Annual Report of YES Bank Limited (“the Bank”) for Financial Year 2025-26 Ref.: Regulations 34, 53 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) Please refer to our letter no. YBL/CS/2026-27/67 dated July 24, 2026, inter alia, intimating about the 22nd Annual General Meeting of the Bank scheduled to be held on Wednesday, August 19, 2026. In continuation of the aforesaid letter and pursuant to Regulations 34, 53 and other applicable provisions of the Listing Regulations, please find attached the Integrated Annual Report for Financial Year 2025-26 and the Business Responsibility and Sustainability Report of the Bank which forms part of the Integrated Annual Report along with Independent Reasonable Assurance Opinion Statement provided by CNK & Associates LLP. The PDF version of the 22nd Annual General Meeting Notice and Integrated Annual Report for Financial Year 2025-26 can be accessed/downloaded from the weblink given below: ➢ https://www.yes.bank.in/annual-reports/agm-notice-year26 ➢ https://www.yes.bank.in/yesbank/annual-reports/annual-report-year25-26 The Bank has commenced dispatch (by electronic means) of the Notice of 22nd Annual General Meeting of the Bank scheduled to be held on Wednesday, August 19, 2026 at 10:30 A.M. (IST) through Video Conferencing (VC)/ Other Audio-Visual Means (OVAM) and the Integrated Annual Report for FY 2025- 26 to its shareholders and bondholders, starting today i.e. Friday, July 24, 2026. We request you to take the above on your record and disseminate to all concerned. Thanking you, Yours faithfully, For YES BANK LIMITED Sanjay Abhyankar Company Secretary Encl: As above Four Forces. One Goal. Sustainable Growth. PROFIT Economic Capital PLANET Natural Capital TECHNOLOGY Digital Capital PEOPLE Social Capital Integrated Annual Report 2025-26 yes.bank.in KEY HIGHLIGHTS C O N T E N T S FY 2025-26 16,535 crore Total Net Income 1 3 4 ` 5,506 crore Operating Profit CORPORATE OUR STATUTORY OVERVIEW PERFORMANCE REPORTS ` 3,476 crore Net Profit Theme of the Report 02 Environmental Stewardship Management Discussion and Analysis 246 About this Report 04 Ensuring Operational Eco-efficiency 102 Directors’ Report 280 ` 273,445 crore At a Glance 06 Integrating Environmental and Corporate Governance Report 311 Message from Chairman 08 Social Risk into Lending 114 Business Responsibility & Total Advances Building Climate Resilience 120 Sustainability Report 372 Message from Managing Director & CEO 12 Promoting Green Finance 130 ` Message from Executive Director 103,545 crore (Dr. Rajan Pental) 18 New Sanction/Disbursements Message from Executive Director Social Value Creation (Mr. Manish Jain) 19 Fostering a Human-centric Workplace 138 Board of Directors 20 % Enhancing Customer Service and Board Committees 22 Experience 166 FINANCIAL Net NPA Management Team 24 Advancing Financial Inclusion and STATEMENTS Social Finance 174 Key Performance Indicators 26 Accelerating Digital Innovation 186 318,969 crore Products and Services 28 Supporting Our Communities 192 Standalone Financials 422 Total Deposits Consolidated Financials 528 Governance and Transparency 35.1 Governance and Ethics 202 OUR Assurance Statements 584 CASA Ratio Information Security, Privacy and INTEGRATED GRI Content Index 603 Responsible Use of Artificial Intelligence 218 APPROACH Integrating ESG into the Value Chain 228 TCFD Index 609 15.3 % PRB-Responsible Banking Progress Statement: Summary Template 610 Capital Adequacy Ratio Operating Environment 50 Progress on Profitability 234 Our Strategy 58 Principles for Responsible Banking: 72 % Risk Management 66 Portfolio Impact Assessment and Targets 244 Share of Retail and Scan the QR code to read the report on Stakeholder Engagement 76 Commercial Banking Advances your handheld device Materiality Assessment 82 See this report online at: www.yes.bank.in Value Creation Model 100 Four Forces. TECHNOLOGY One Goal. The Unifying Force PROFIT Sustainable Growth. Technology is the foundational enabler that connects and accelerates the other Quality-led, Durable Profitability three Forces. Our digital-first operating At YES BANK, our profitability is being model, with 90% of core applications on In FY 2025-26, YES BANK stepped decisively into its next phase of growth – marked by the onboarding rebuilt on the pillars of resilience, the cloud, powers the IRIS platform, which of Sumitomo Mitsui Banking Corporation (SMBC) as our largest shareholder and sharpening of diversification, and quality-led growth. today serves 4.6 million+ customers. operating model which is centred on tech-led franchise, quality-led underwriting, and granular deposit The improvement in performance IRIS has evolved into a full-fledged build-out. This is the foundation on which we are building a future-ready, differentiated bank anchored reflects a deliberate strategic shift retail super app with 250+ features, in sustainability, inclusion, and long-term value creation. Our Integrated Annual Report's theme towards a more granular, retail, and adoption is deepening as 54% of "Four Forces. One Goal. Sustainable Growth." reflects this ambition and articulates the Bank's unified and MSME-led portfolio, with a mutual fund bookings and 71% of credit stronger focus on risk-adjusted card EMI conversions now happen approach to delivering resilient economic, social and environmental outcomes. returns, and increased risk discipline. digitally. AI-powered chatbots deployed At its core, our theme reinforces our commitment to the Triple Bottom Line - People, Planet and Profit Together, these shifts are aimed across customer journeys are improving - while positioning Technology as the fourth and unifying force that accelerates impact across all at building earnings that are more service efficiency, accessibility, and resilient across cycles – creating personalisation, while advancing our dimensions. Together, these forces converge towards one goal - sustainable growth that is inclusive, durable value for shareholders while commitment to paperless and green responsible, and future-ready. supporting broader economic progress. banking, and operational excellence. PEOPLE ONE GOAL Empowering People, Expanding Access PLANET Our people agenda is built around three constituencies – our employees, our customers, and Financing a Low-Carbon Future Sustainable Growth the communities that we serve. Through initiatives Our environmental strategy is anchored like YES Microfinance, the Bank has extended These forces are not standalone priorities; they in our commitment to Net Zero by 2030, livelihood-linked credit to an active base of 6.92 lakh are interconnected drivers of the path ahead. supported by our disciplined, climate-aligned women borrowers in rural India, enabling pathways Together, these forces enable the Bank to deliver financing and responsible lending practices. to financial independence and entrepreneurship. on its unified goal of sustainable growth that Recognised as India’s highest-rated Internally, our Diversity, Equity, Inclusion & balances purpose with performance, inclusion Bank in S&P Global CSA 2025, the Bank Belonging framework continues to shape a with innovation, and profitability with planetary continues to strengthen its leadership in workplace where talent is nurtured and belonging sustainable finance. With ` 7,690 crore of responsibility. Through this framework, the Bank is intentional. This has led to sustained recognition continues to demonstrate that purposeful banking sanctioned facilities towards Renewable of being Great Place to Work®, for the fo [Showing first 8,000 characters — download PDF for full document]