Yes Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	Yes Bank	Federal Bank	IDFC First Bank
Operational Metrics
Banks
Net Interest Margin	2.6 %	3.18 %	5.76 %
Yield On Advances	9.3 %	8.74 %	n/a
Gross NPA	1.5 %	1.72 %	1.69 %
Net NPA	0.3 %	0.42 %	0.53 %
CASA Ratio	34.0 %	32.07 %	51.6 %
CASA vs Liabilities	23.35 %	26.04 %	38.19 %
Credit Deposit Ratio	88.0 %	85.82 %	93.9 %
Cost To Income Ratio	66.1 %	53.92 %	71.8 %
Fresh Slippages - Quarterly	1050.0 Crs	435.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	15.9 %	15.2 %	16.22 %
Tier I Capital	13.3 %	13.88 %	14.23 %
Tier 2 Capital	2.6 %	1.32 %	1.99 %
NBFC
Cost of Borrowing	5.9 %	5.5 %	6.11 %
Financials
5 yr Average ROE	0.23 %	12.98 %	5.71 %
5yr average Equity Multiplier	8.99	11.45	9.12
5yr Average Asset Turnover Ratio	0.08	0.08	0.12
5yr Avg Net Profit Margin	0.59 %	13.02 %	4.8 %
5yr Avg Net Profit Margin	0.59 %	13.02 %	4.8 %
5yr CAGR Net Profit	n/a	20.08 %	25.27 %
5yr CAGR Sales	9.88 %	14.49 %	19.05 %
5 yr CAGR PPOP	-1.37 %	10.49 %	23.76 %
Price to Book	1.32	1.91	1.48
P/E	20.94	16.94	44.32
Shareholdings
Promoter Holding	0.0	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-36.38 %
Change in Mutual Fund Holding (3 Yrs)	3.11 %	5.36 %	6.92 %

Business

	Yes Bank	Federal Bank	IDFC First Bank
Segment Break-Up	Segment Break-Up Consumer Finance 42.81 Corporate Banking 34.14 Treasury Operations 18.24 Corporate/ Whole sale Banking 0 Others 4.81	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 22.79 Others 77.21	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate/ Whole sale Banking 0 Others 100
Loan Break-Up	Loan Break-Up Consumer Finance 46.95 Corporate Banking 27.43 Investment Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 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 25.62	Loan Break-Up MSME Loans 0 Medium Enterprise 0 Corporate Banking 0 Infrastructure 6.99 Personal Loan 2.52 Rural Micro Finance 0 Wheels 0 NBFC 11.29 Consumer Loans 0 Investment Banking 0 Large Corporates 0 Trading 5.66 Digital, Gold Loan and Others 0 Commercial Finance 0 Agricultural 12.58 Priority Sector 12.7 Emerging Large Corporates 0 Consumer Finance 0 Commercial Real Estate 3.16 Mortgage Loans 0 Credit Cards 0 Financial Institutional Group 0 Small and Micro Enterprise 0 Others 45.1	Loan Break-Up Small & Medium Enterprises (SME) loans 5.0 Medium Enterprise 0 Corporate Banking 0 Infrastructure 1.0 Personal Loan 0 Rural Finance 6.0 Wheels 12.0 NBFCs 0 Consumer Finance 3.0 Investment Banking 0 Large Industries 1.0 Trade 0 Digital, Gold Loan and Others 1.0 Commercial Finance 3.0 Agriculture and allied activities 0 0 Emerging Large Corporates 7.0 Consumer Finance 0 Commercial Real Estate 0 Loan Against Property 28.0 Credit Cards 3.0 Financial Services 9.0 Small and Micro Enterprise 0 Others 21.0
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 56.69 Treasury 43.31 Retail Banking 0	Operating Profit Break-Up Treasury 31.28 Retail Banking 23.73 Corporate / Wholesale Banking 0 Others 44.99	-
Borrowings Break-Up	Borrowings Break-Up Tier II Borrowings 19.47 Borrowings outside India 12.95 Reserve Bank of India 1.54 IPDI 0 Reserve Bank of India ( India ) 0 Others 66.04	Borrowings Break-Up Borrowings outside India 14.27 Tier II Borrowings 0 Reserve Bank of India 9.48 IPDI 0 Reserve Bank of India 0 Others 76.25	Borrowings Break-Up Borrowings outside India 1.99 Tier II Borrowings 0 Reserve Bank of India ( India ) 0 IPDI 0 Reserve Bank of India 15.04 Others 82.97
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 59.24 Priority Sector 40.76 Non-Priority Sector 0 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 68.9 Priority Sector 31.1 Non Priority Sector 0	Priority vs Non-Priority Sector Non-Priority Sector 0 Priority Sector 30.6 Non Priority Sector 69.4
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 71.13 Corporate 12.15 MSME 0 Personal loans 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 Agriculture and allied activities 0 Personal Loans - Others 0 Industry 0 Vehicle Loans 0 Housing 0 Services 0 Infrastructure- Transport 0 Infrastructure- Energy 0 Others 16.72	NPA Break-Up Commercial Real Estate 0.61 Housing 0 Infrastructure- Transport 0 Trading 9.36 NBFC 0.28 Vehicle Loans 0 Other Services 0 Retail 0 Personal Loan 39.58 MSME 0 Infrastructure 5.03 Agricultural 19.54 Industry 0 Services 0 Infrastructure- Energy 0 Personal Loans - Others 0 Corporate 0 Others 25.6	NPA Break-Up Commercial Real Estate 0 Housing 4.67 Infrastructure- Transport 0 Trade 0 NBFCs 0 Auto loans 10.48 Other Services 0 Retail 0 Personal loans 0 MSME 0 Infrastructure 0 Agricultural 18.9 Industrial & Commercial 18.26 Services 18.1 Infrastructure- Energy 0 Personal Loan 29.6 Corporate 0

Yes Bank Ltd.

Yes Bank Ltd.

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