Yes Bank Ltd.

Financial

	Yes Bank	Indusind Bank	IDFC First Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.5 %	3.46 %	5.71 %
Yield On Advances	9.9 %	11.62 %	n/a
Gross NPA	1.6 %	3.64 %	1.97 %
Net NPA	0.3 %	1.12 %	0.55 %
CASA Ratio	32.8 %	31.0 %	48.0 %
CASA vs Liabilities	22.05 %	22.82 %	35.19 %
Credit Deposit Ratio	87.4 %	84.02 %	93.4 %
Cost To Income Ratio	67.1 %	62.23 %	68.7 %
Fresh Slippages - Quarterly	1458.0 Crs	2567.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	16.5 %	16.63 %	15.01 %
Tier I Capital	13.3 %	15.48 %	12.8 %
Tier 2 Capital	3.2 %	1.16 %	2.21 %
NBFC
Cost of Borrowing	6.3 %	5.69 %	6.37 %
Financials
5 yr Average ROE	0.23 %	10.41 %	5.71 %
5yr average Equity Multiplier	8.99	8.35	9.12
5yr Average Asset Turnover Ratio	0.08	0.1	0.12
5yr Avg Net Profit Margin	0.59 %	11.68 %	4.8 %
5yr Avg Net Profit Margin	0.59 %	11.68 %	4.8 %
5yr CAGR Net Profit	n/a	-2.55 %	25.27 %
5yr CAGR Sales	9.88 %	9.68 %	19.05 %
5 yr CAGR PPOP	-1.37 %	-2.13 %	23.76 %
Price to Book	1.21	0.92	1.45
P/E	21.51	59.45	43.1
Shareholdings
Promoter Holding	0.0	15.82 %	0.0
Share Pledged by Promoters	0.0	50.86 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.69 %	-36.48 %
Change in Mutual Fund Holding (3 Yrs)	2.03 %	13.23 %	5.76 %

Business

	Yes Bank	Indusind Bank	IDFC First Bank
Segment Break-Up	Segment Break-Up Consumer Finance 40.5 Corporate Banking 31.73 Treasury Operations 25.17 Others 2.6	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Others 100
Loan Break-Up	Loan Break-Up Consumer Finance 49.36 Corporate Banking 25.89 Investment Banking 0 Small and Micro Enterprise 0 Medium Enterprise 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 Commercial Finance 0 Wheels 0 Digital, Gold Loan and Others 0 Rural Micro Finance 0 MSME Loans 0 Consumer Loans 0 Mortgage Loans 0 Financial Institutional Group 0 Large Corporates 0 Emerging Large Corporates 0 Credit Cards 0 Others 24.75	Loan Break-Up Credit Cards 0 Commercial Finance 0 Emerging Large Corporates 0 Gems & Jewelry 2.24 Small and Micro Enterprise 0 Wheels 0 Mortgage Loans 0 Consumer Loans 0 Personal Loan 10.64 Corporate Banking 0 Digital, Gold Loan and Others 0 Financial Institutional Group 0 Large Corporates 0 0 Rural Micro Finance 0 Medium Enterprise 0 MSME Loans 0 Investment Banking 0 Services 54.57 Agricultural 14.81 0 Infrastructure 2.78 Consumer Finance 0 Metals 2.55 Others 12.41	Loan Break-Up Credit Cards 3.0 Commercial Finance 3.0 Emerging Large Corporates 6.0 Gems and Jewellery 0 Small and Micro Enterprise 0 Wheels 10.41 Loan Against Property 29.0 Consumer Finance 3.0 Personal loans 0 Corporate Banking 0 Digital, Gold Loan and Others 0.3 Financial Services 9.0 Large Industries 1.0 0 Rural Finance 8.0 Medium Enterprise 0 Small & Medium Enterprises (SME) loans 6.0 Investment Banking 0 Services 0 Agriculture and allied activities 0 0 Infrastructure 1.0 Consumer Finance 0 Basic Metal and Metal Products 0 Others 20.29
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 53.21 Corporate / Wholesale Banking 40.7 Retail Banking 0 Others 6.09	Operating Profit Break-Up Corporate / Wholesale Banking 0 Treasury 0 Retail Banking 65.85 Others 34.15	-
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 Others 65.26	Borrowings Break-Up Tier II Borrowings 0 Long Term Infrastructure Bonds 3.15 Borrowings outside India 40.98 0 Reserve Bank of India 0 IPDI 0 Others 55.87	Borrowings Break-Up Tier II Borrowings 0 Long Term Infrastructure Bonds 0 Borrowings outside India 1.99 0 Reserve Bank of India 15.04 IPDI 0 Others 82.97
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	Priority vs Non-Priority Sector Non Priority Sector 69.66 Priority Sector 30.34	Priority vs Non-Priority Sector Non Priority Sector 69.4 Priority Sector 30.6
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 69.27 Corporate 12.16 MSME 0 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 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Others 18.57	NPA Break-Up Housing 0 0 Infrastructure- Transport 0 Agricultural 30.47 Vehicle Loans 0 Retail 0 0 Industries - Other 0 Gems & Jewelry 0.45 Infrastructure- Energy 0 Services 38.55 Infrastructure 1.99 Corporate 0 Personal Loan 14.54 Metals 0.18 MSME 0 Industry 0 Personal Loans - Others 0 Others 13.82	NPA Break-Up Housing 4.67 0 Infrastructure- Transport 0 Agricultural 18.9 Auto loans 10.48 Retail 0 0 Industries - Other 0 Gems and Jewellery 0 Infrastructure- Energy 0 Services 18.1 Infrastructure 0 Corporate 0 Personal loans 0 Basic Metal and Metal Products 0 MSME 0 Industrial & Commercial 18.26 Personal Loan 29.6

Yes Bank Ltd.

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