Financial Performance • FY26 PAT: ₹3,476 Cr (↑44.5% YoY) • Q4 PAT: ₹1,618 Cr (↑44.7% YoY) • ROA: 1% (Q4) | 0.8% (FY26) • NIM: 2.7% (↑10 bps QoQ, ↑20 bps YoY) • PPOP: ₹5,561 Cr (↑29.4% YoY) • Cost-to-Income: Improved to 66.7% Asset Quality • GNPA: 1.3% | NNPA: 0.2% (best in 24 quarters) • PCR: 81.9% • Slippages: 1.8% (FY26); retail at 2.8% (lowest in 9 quarters) • Recoveries: ₹4,795 Cr (incl. ₹1,550 Cr from SRs) Balance Sheet Growth • Advances: ₹2.73 lakh Cr (↑11.1% YoY) • Retail Disbursement: ↑41% YoY (Q4) • Deposits: ₹3 lakh Cr+ (↑12.1% YoY) • CASA: ₹1.12 lakh Cr (↑14.9% YoY); ratio 35.1% • RIDF Exposure: Reduced to 6% of assets Strategic Updates • New CEO Vineet M. Tons focusing on stability & growth • New Chief Risk Officer appointed • Added 82 branches • Launched “Yes Grandeur” premium banking offering • AT1 bonds issue remains sub judice Outlook • FY27 Growth: 14–15% • ROA: Sustain ~1% with further improvement • NIM Target: 3.25–3.5% over 2–3 years • Further reduction in RIDF (<5%) to support margins Key Takeaway Clear signs of turnaround with strong profitability, improving asset quality, and stable growth outlook, backed by better capital efficiency and management focus.

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