YES Bank's customer assets (advances + credit substitutes) grew strongly (19.3%YoY) in 3QFY16 to INR 936bn led by healthy growth in advances (26.7%YoY, 5.5%QoQ), while credit substitutes contracted (22.4%YoY). Consequently, the share of credit substitutes in customer assets declined (528bps YoY, 28bps QoQ) to 9.8%. Growth in advances was supported by strong growth in Corporate & Institutional Banking (23.9%YoY, 3.9%QoQ), while retail banking (including MSME/Business Banking) grew (32.8%YoY, 8.8%QoQ). Consequently, their share in overall advances was noted at 67.2% and 32.8% respectively. Sector-wise Iron & Steel exposure stands at 3.2%, EPC at 6.1% &...