Good Things Happen When People Come Together from the Managing Director and CEO’S Desk

Good things happen when people come together From the Managing Director and CEO’s desk

Dear Valued Stakeholders,

YES BANK has been built on the ethos of Responsible Banking that strongly advocates inclusive public, social and sustainable environmental development. Since inception, YES BANK has supported and pioneered several unique Responsible Banking initiatives that have won numerous national and international accolades and awards. While the development work done by YES BANK in the area of Responsible Banking has created significant admiration for YES BANK amongstGovernment, Industry Leaders, Intelligensia, Media and Corporate Houses, we have also created a simple yet powerful social engagement program to reach out to communities in the retail space at every YES BANK branch. YES COMMUNITY, the flagship unique community engagement initiative was created with an objective to serve as knowledge exchange platform and connect with all stakeholders in the Branch Serving Area (BSA) on socially and environmentally pertinent issues, thus building strong relations with immediate communities taking our interactions beyond the transactional value. By creating engagement activities, discussions, interactions and knowledge dissemination, the YES BANK Branch endeavours to be the Community Transformation Centre. Over the last 8 years, the YES COMMUNITY programme has helped YES BANK work closely with NGOs, Government bodies, local thought leaders, genuinely concerned about bringing about a positive change in the lives of our stakeholders in the BSA. It gives me great pleasure to announce the launch of YES COMMUNITY journal, which encapsulates our journey through a wide array of social engagement initiatives conducted in the previous year. As YES BANKers, our intention is to drive this initiative with highest standards of commitment, dedication, and intensity to make a valued difference to our community and strengthening YES BANK’s vision as the Professionals’ Bank of India - For the Community, Of the Community and By the Community.

Thanks and Best Regards,

Rana Kapoor Managing Director and CEO

YES BANK has a strong belief in building strong community relations by spreading meaningful information on real life issues and creating a feedback mechanism. Held every month and aimed at both children and adults, customers and non-customers, the YES COMMUNITY programme has grown significantly over the last few years through its calendar of social events based on national and international days of importance.

Yes community magazine I 2014 I 2 Yes Community

By approaching Corporate Social Responsibility & sustainability with a 360 degrees view, YES BANK aims to be at the forefront of mainstreaming sustainability within the global financial sector and the broader stakeholder spectrum. The bank plays an active role in promoting sustainability within stakeholders through its flagship stakeholder engagement programme, YES COMMUNITY, research and thought leadership and knowledge banking. YES COMMUNITY is YES BANK’s unique community engagement initiative that aims to connect the bank with the local communities residing within its branch service area on pertinent social and environmental issues. The initiative incorporates community development initiatives such as clean and green drives, energy efficiency practices, workplace health and safety, disaster management plans, waste management and recycling and rain water harvesting among others. YES COMMUNITY has grown over the last few years through its calendar of social events based on national and international days of importance for the bank YES COMMUNITY and the community. It has created a feedback mechanism for community which enables the bank incorporates to enhance the YES COMMUNITY platform. The programme is focused and committed to long-term community building by YES BANK community listening to, understanding and addressing local triple bottom line issues faced by BSA (Branch Serving Area) communities, therefore building relationships and generating trust. This is the crux development for this model’s success. initiatives such YES BANK participates in the Joy of Giving week every year at its branches across India through tie ups with NGOs and engages stakeholders to contribute towards the NGOs’ causes. as clean and This year, the bank tied up with the NGO ‘Goonj’ to collect clothing, toys, stationary and other items for the community. green drives, To commemorate National Energy Conservation Day, YES BANK organised special energy energy efficiency conservation themed YES COMMUNITY events across its pan-India branches. Various YES BANK branches took a lead in commemorating the event by tying up with local schools, NGOs and practices, disaster other institutions to organise painting competitions, science exhibitions, science quizzes and other activities. management plans, World Water Day was commemorated at branches across India through events, signature waste management campaigns, theme based art competitions and awareness programme. Employees at the participating branches reached out to the communities around their branches to raise awareness and recycling towards this precious resource. Some of the other initiatives taken by YES BANK include International Youth Day that was and rain water celebrated by involving youth through “YES! i am the Change” programme of YES FOUNDATION. harvesting World Population Day was celebrated across branches covered with engagement with senior citizens on active aging in association with HelpAge India. among others

YES COMMUNITY, a unique engagement programme, that runs across all YES BANK branches pan India, integrates communities to work towards Women Empowerment, Financial Literacy, Environmental Conservation, Senior Citizen Wellness and Respect, Health Awareness, Financial Inclusion, etc. in an endeavour to make India a better place for our future generations.

3 I 2014 I Yes community magazine blic pu da e y r A salute to the 26 nation j anuary

The event ‘My On the occasion of Republic Day, YES BANK organised an event on the theme ‘My Dream India’ Dream India’ The event was organised nationally across YES There are just two original copies of the included Colouring BANK branches between Jan 24-25, 2013. Activities Constitution in the country written in Hindi and competition for included Colouring competition for kids, who English. They have been preserved in helium-filled were encouraged to share their impressions cases in the Parliament of India. This constitution kids who were of ‘Dream India’, followed by a General Quiz has been calligraphed and not printed. Such photo amongst the Participants. lithographic copies are in circulation and only encouraged to share 1,000 copies have been written till date. their impressions of In India, Republic Day honours the date on which the Constitution of India came into One of the most popular tune that is played at ‘Dream India’ force on January 26, 1950 replacing the the Republic Day functions is ‘Abide with me’, a Government of India Act (1935) as the Christian hymn, which was said to be Mahatma governing document of India. Gandhi’s favourite.

BR Ambedkar The principal architect of 284 members the Constitution of India. of the Constituent Assembly (which included 15 women) signed the hand-written documents on January 24, 1950 and it came into force on January 26 the same year.

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N a and experiments y f 28 eb ruary YES BANK celebrated National Science Day and engaged on entertaining events like on February 28, in commemoration of Sir C.V. quiz, drawing competition and Science Raman’s discovery of the Raman Effect on exhibition, etc. February 28, 1927, for which he was awarded the Nobel Prize in 1930. Kasturbha Road and Thippassandra Branches in American Chemical Bangalore have celebrated the day with students It is a day celebrated in honour of this great Indian of Agasthya Foundation by exhibiting scientific Society designated scientist who has set a benchmark in the field of experiments related to energy conservation the ‘Raman Effect’ science worldwide. YES BANK celebrates the day theme for the walk-in customers and community. to promote the use of clean energy (Renewable as an international energy) for all our energy needs. Guwahati Branch invited solar light suppliers to the branch to display the solar equipments to the historic chemical Branches invited clients and school students students, YES BANK clients and local community. landmark in 2013

The science carnival held on National Science Day is an event with a series of scientific activities and programmes involving school and college students, eminent scientists and faculties of the state and country. It provides a platform for the budding scientists to make their career in the field

5 I 2014 I Yes community magazine a d w ter rl d o a y w Every drop makes a 22 bucket full of water march

Jhansi branch invited the District Magistrate of Jhansi and Commandant- GRP who praised the efforts of YES BANK for addressing pertinent issues

YES COMMUNITY events were held across 148 branches where they observed the World Water Day under the theme ‘Save Water’

YES BANK kick started the new approach of YES Vikaspuri branch, New Delhi organised drawing COMMUNITY events across 148 branches where competition where in a gathering of more they observed The World Water Day under the than 50 children along with their parents and theme “SAVE WATER” on March 22, 2013. This grandparents were present. Bhilai branch is in alignment with YES BANK’s Environment conducted a ‘Save Water’ signature campaign at Management Policy and to address Water Nehru Nagar Park. Security and Access as an Environment risk identified by the Bank. The staff at Gurukul branch, Ahmedabad educated walk-in clients as well as visited the Jhansi branch invited the District Magistrate local shoe market in the BSA (Branch Serving of Jhansi as chief guest and Commandant-GRP Area) and spread awareness on the topic. as guest of honour for the event. Both of them praised the efforts of YES BANK for addressing World Water Day was first formally proposed pertinent issues. in Agenda 21 of the 1992 United Nations

On an average, per day 10 gallons of Recycling a pound of paper, less than the water is lost to leaks. One of the most weight of your average newspaper, saves effective ways to cut your footprint is by about 3.5 gallons of water. Buying recycled repairing leaky faucets and toilets. paper products saves water too.

Yes community magazine I 2014 I 6 Conference on Environment and Development The UN and its member nations devote this day (UNCED) in Rio de Janeiro, Brazil. Observance to implementing UN recommendations and began in 1993 and has grown significantly ever promoting concrete activities within their countries since; for the general public to show support, regarding the world’s water resources. Each year, it is encouraged that they do not open taps one of the various UN agencies involved in water throughout the day. The day has also become a issues takes the lead in promoting and coordinating popular Facebook trend. international activities for World Water Day.

Bhilai branch conducted a ‘Save Water’ signature campaign at Nehru Nagar Park

World Water Day was first formally proposed in Agenda 21 of the 1992 UN Conference on Environment and Development (UNCED) in Rio de Janeiro, Brazil. Observance began in 1993 and has grown ever since; for the general public to show support, it is encouraged that they do not open taps throughout the day.

7 I 2014 I Yes community magazine ealth H Da d y l r Stay healthy o W and fit 07l apri

Model Town branch, New Delhi conducted a joint health check-up camp in association with Fortis hospital, Shalimar Bagh. The event got a lot of appreciation from the customers.

Ghatkopar branch successfully conducted a health check-up camp in Satyam Shivam Society in Ghatkopar, Mumbai, in association with Dial Health Care.

YES BANK branches conducted World Health Raipur branch conducted a health check-up Day events by associating with credible camp at Gandhi Udyan, Shankar Nagar, Raipur, Heath service providing organisations. in association with Dr TR Rathore. The gathering Branches conducted free health check up appreciated the bank’s initiative on World Health camps by inviting local community to the Day and the branch garnered leads for business. branch. The successful implementation of the YES BANK’s teams event shows Branch teams’ organisational The Vizag branch conducted a health camp capabilities with unparallel commitment at Waltair club which is one of the best actively worked towards the community. clubs in Vizag in association with Dolphin towards conducting Diagnostic Centre. Indore branch conducted the event with the World Health support from Vasan Eye Care hospital and Sector 35, Chandigarh branch invited Rajshree hospital and well-known doctors of the Dr Sandeep Jassal, MD Preventive and Day events in 104 city including surgeon, Dr Arun Raguvanshi and Promotive Healthcare, Apollo Hospitals branches Dr Ashwani Dubey. as the guest speaker.

World Health Day 2014 will spotlight some of the most commonly known vectors such as mosquitoes, sandflies, bugs, ticks and snails, responsible for transmitting a wide range of parasites and pathogens that can cause many different illnesses.

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and a poster making / drawing competition on Indian wildlife. Branches organised YES BANK offsite viewing of Wildlife Trust of India films on wildlife conservation. celebrated

The International Day for Biological International Diversity is part of a series of activities Biological Diversity to focus attention on the convention on biological diversity. The symbol of this Day on May 22nd, convention is a stylised image of a twig or YES BANK celebrated International Biological Diversity branch with three green leaves. by partnering with Day on May 22nd, by partnering with Wild Life Trust of Wild Life Trust of India, Nanhi Chhaan Foundation and key schools and On May 22, 1992, the text of the Convention Restaurants within the Branch Service Area. on Biological Diversity was adopted by the India, Nanhi Chhaan UN at a conference in Nairobi, Kenya. Since The event was held across 110 branches, and the 2001, the International Day for Biological Foundation and activities included branch and offsite plantation drive Diversity is celebrated every year. key schools and Restaurants within the Branch Service Area

The International Day for Biological Diversity is part of a series of activities to focus attention on the convention on biological diversity. The symbol of this convention is a stylised image of a twig or branch with three green leaves. Depending on the background, the leaves may be just outlines or green blocks. Each year a piece of artwork is commissioned to reflect the theme.

9 I 2014 I Yes community magazine nm iro en v t n D E a Think.Eat.Save: d y

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In the Green gifting project, 600 ‘Grow Trees’ certificates were gifted to HNI (High Net Worth Individual) clients, schools and restaurants which participated in the YES COMMUNITY events

During World Environment Day, 110 branches North East branches: Deepening engagement conducted activities such as YES BANK’s Empty in line with a business focus. Nine YES BANK Plates Campaign in which the branches tied up branches from NE region conducted YES with restaurant chains that have the highest COMMUNITY events by launching a campaign footfall in their BSA by motivating them to ‘RhinoSavers.’ The event was designed to support a campaign based on the UN theme create awareness on the decreasing population ‘Think.Eat.Save’ for World Environment Day. of the rhinoceros and the same being an This was an anti food waste and food loss endangered species. campaign that encouraged people to reduce their foodprint. In the Green gifting project, 600 Amritsar branch conducted a sapling donation Grow Trees certificates were gifted to clients, drive in association with Nanhi Chhan schools and restaurants which participated in Foundation (NCF). YES BANK invited under the YES COMMUNITY events. Some regional privileged girls and their parents from the level YES COMMUNITY activities conducted village adopted by Nanhi Chhan Foundation. during World Environment Day: The girls gifted sapling to the chief guest Mrs.

The global food production occupies 25 per cent of all habitable land and is responsible for 70 per cent of fresh water consumption, 80 per cent of deforestation, and 30 per cent of greenhouse gas emissions. It is the largest single driver of biodiversity loss and land-use change.

Yes community magazine I 2014 I 10 Kamal Deep Sharma, Chairperson, Amritsar YES COMMUNITY Engagement with the Improvement Trust and all the invitees along Corporate: YES BANK conducted YES with walk-in customers of the branches. The CONSERVE – an online quiz. Close to 3,909 branch leader took the kids for a branch visit employees of 130 corporate across India under YES BANK Tour programme. participated in the same.

Nine YES BANK branches from NE region conducted YES COMMUNITY events by launching a campaign ‘RhinoSavers.’ The event was designed to create awareness on the decreasing population of the rhinoceros and the same being an endangered species

World Environment Day is celebrated every year to raise global awareness of the need to take positive environmental action. It is run by the United Nations Environment Programme (UNEP). It was the day that United Nations Conference on the Human Environment began.

11 I 2014 I Yes community magazine pula Po tio d n l r D a Need of the hour:

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Taking the YES COMMUNITY engagement to the next level, YES BANK YES COMMUNITY partnered with HelpAge India on World Population Day with a focus and HelpAge India on senior citizens’ active ageing have come together July month’s YES COMMUNITY theme revolved This initiative has begun well and the branch to reach out to senior around World Population Day with a focus on banking teams have demonstrated strong senior citizens – active ageing. Taking the YES commitment towards YES COMMUNITY. Some of citizens with Active COMMUNITY engagement to the next level, the activity snapshots are: YES BANK partnered with HelpAge India and Ageing programme. organised activities in 200 branches pan India. Tezpur branch conducted an outdoor event YES COMMUNITY Some key activities conducted with senior with members of ‘Tarun Asom Sangha’, a club citizens at branches were: established in 1930. The event was interactive and and HelpAge India the guests present were happy with the initiative Yoga sessions/fitness exercise classes, sudoku/ taken by YES BANK. believe that senior crossword/carom games between children and citizens have the elders, discussions on HelpAge India’s AdvantAge Karnal branch: Senior citizens were invited to the card that offers special discounts to senior branch and the staff conducted carom/ludo games knowledge, which citizens at hospitals, restaurants, retail outlets, for the attendees. Saharanpur branch: World hotels, travel and more, and financial advisory, Population Day was celebrated with senior citizens can be used to sharing advantages of YES BANK senior citizen at company garden in Saharanpur where mineral develop society investment products. water and fruit juices were distributed.

HelpAge India, country’s leading advocate of Active Ageing, aims to fight isolation and neglect. Which is why, they have launched a unique programme to encourage senior citizens to form AdvantAge Activity Groups. The solution lies in like-minded elders forming small groups through which they pursue common activities such as forming morning walk groups, starting a book club, learning computers, travelling together or learning music and dance.

Yes community magazine I 2014 I 12 onal yo ti u a t n h r Bring about D

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y n a change I 12 a ugust The International Youth Day and Independence Freedom Quiz (online corporate quiz) that Day celebrated by involving youth through captured the theme of Independence “YES! i am the Change” program of YES Day and attracted 4,179 participants and 100 FOUNDATION. The events held included plus corporates. decorating the branches for Independence Day using tri-coloured flags, balloons, kites and YES FOUNDATION was established in screening of YES FOUNDATION’s inspirational December 2012, by YES BANK to realise its short films on bringing about a change at the social development vision. YES FOUNDATION’s start of the activity. “YES! i am the change” primary focus areas are stimulating innovative attendees took a pledge that they would bring entrepreneurship and media for social about a change in society. transformation thereby enabling India’s inclusive growth and development. Apart from the branch activities, YES BANK conducted a YES FREEDOM Quiz. The online Through its programmes, YES FOUNDATION quiz attracted 4179 participants from 100 works to stimulate innovative entrepreneurship plus corporate. and social transformation. YES FOUNDATION Taking the YES aims to develop and nurture ecosystems YES COMMUNITY Engagement with the conducive to inclusive growth, development COMMUNITY corporate: YES BANK conducted the Yes and a strong civil society. engagement to the next level, the International Youth Day was celebrated by involving youth through “YES! i am the Change” programme of Yes Foundation

World Youth Day was created by Pope John Paul II after turnouts at the 1984 Jubilee of Young People and the 1985 gathering for the International Year of Youth in Rome. It is held since 1986 and is celebrated every two to three years with an international gathering, and on off years, there is a smaller celebration in Rome.

13 I 2014 I Yes community magazine nal Lit io er t a a c n y Educate one r

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YES BANK believes that investing in children’s financial literacy is one of the most dependable ways to bring long- term benefits to society at large

During International Literacy Day, YES BANK conducted various activities including organising a financial literacy camp/branch tour where the invitees got a chance to see first-hand how a bank works

YES BANK believes that investing in children’s branch tour (a detailed walk through the branch) financial literacy is one of the most dependable for school students by inviting parents/teachers ways to bring long-term benefits to society of schools. The invitees got a chance to see at large. The best place to teach people about first-hand how a bank works, experience the financial literacy is at school. During International main elements in the bank’s day-to-day work, Literacy Day branches conducted activities such and the lifecycle of several banking services and as they organised a financial literacy camp/ their role in business development. The invitees

According to UNESCO, about 774 million adults lack the minimum literacy skills. One in five adults is still not literate and two-thirds of them are women. About 75 million children are out-of-school and many more attend irregularly or drop out.

Yes community magazine I 2014 I 14 were shown ATM, cheque/cash deposits 2007 and 2008 was ‘Literacy and Health,’ with and fake currency detection techniques. An prizes awarded to organisations at the forefront elementary quiz on financial literacy was also of health education. This was also the thematic conducted. These activities were held across emphasis of the 2007-2008 biennium of the 146 branches of YES BANK. United Nations Literacy Decade.

The objective of conducting financial literacy In particular, International Literacy Day camps at YES BANK branches is to facilitate 2008 had a strong emphasis on literacy and financial inclusion through provision of epidemics with a focus on communicable two essentials i.e. literacy and easy access. diseases such as HIV, tuberculosis and Students learned practical money skills while malaria, some of the world’s forefront public having fun during the YES BANK TOUR. The health concerns. Financial literacy camp is made engaging and empowering for students to learn money For 2009-10 the emphasis was placed on skills for good personal finance. ‘Literacy and Empowerment,’ with special consideration to gender equality and women International Literacy Day is celebrated the empowerment. The theme of the 2011-2012 world over with Specific theme. The theme for celebrations was ‘Literacy and Peace.’

The invitees were shown ATM, cheque/cash deposits and fake currency detection techniques. An elementary quiz on financial literacy was also conducted

International Literacy Day is celebrated the world over. The celebrations have specific themes, in line with education for all goals and other United Nations programmes such as the UN Literacy Decade.

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126 branches Zero Hunger Childhood campaign was conducted Though the primary role of Akshaya Patra in association with the Akshya Patra foundation, as an NGO is to provide mid-day meal to conducted YES an Indian NGO providing food and education to school children, yet it greatly emphasises COMMUNITY children in India across 126 YES BANK branches on education too. “No child in India shall be under the YES COMMUNITY platform. The deprived of education because of hunger”- activities on Zero branches conducted pledge drive/online signature the vision statement of the foundation further drive on ‘Say No To Food Wastage.’ Branches makes it evident too. The first step towards Hunger Childhood conducted slogan writing competition by asking this initiative was taken in Bangalore by campaign in visitors to give effective ways of stopping food Akshaya Patra, where they fed 1500 children wastage through a slogan. The best slogan was in five Government schools. This humble association with awarded. The objective was to spread awareness beginning gradually led Akshaya Patra to on the child hunger and its impact on education spread its reach in other parts of Karnataka the Akshya Patra and health by reaching out to maximum people. and eventually India too. foundation, The Akshaya Patra Foundation was started in World Food Day is celebrated in honour of the an Indian NGO Bangalore in June 2000. It implements the mid- date of the founding of the Food and Agriculture day meal programme in Government schools Organisation of the United Nations in 1945. The providing food under the aegis of Central Government and day is celebrated by many other organisations and education to various State Governments. Akshaya Patra concerned with food security, including the serves mid-day meal to 1.3 million school World Food Programme. children in India children everyday.

World Food Day is celebrated in honour of the date of the founding of the Food and Agriculture Organisation of the United Nations in 1945. The day is celebrated by many other organisations concerned with food security, including the World Food Programme.

Yes community magazine I 2014 I 16 ildren Ch ’s D a The future y N o 14 of tomorrow v ember Children’s Day was celebrated in 200 branches that organised film festivals across schools by screening “YES! i am the change” films in BSA to encourage students towards a socially responsible action

More than 200 branches organised film informative short films, which can be later used festivals across schools by screening “YES! for the purpose of spreading awareness, resource Iiam the change” films in BSA to create greater mobilisation and sharing their work with various awareness and encouraged school students other organisations worldwide. towards a socially responsible action. School principals/heads took pledge on behalf of Universal Children’s Day is not simply a day to the school by signing up to practice a socially celebrate children for who they are, but to bring responsible action. awareness to children around the globe that have succumbed to violence in forms of abuse, “YES! i am the Change” is a nationwide film exploitation and discrimination. Children are project of YES FOUNDATION, where filmmakers used as labourers in some countries, immersed and amateurs make short films of upto five in armed conflict, living on the streets, suffering minutes duration in 101 hours on NGOs, social by differences be it religion, minority issues, or causes, everyday heroes and small acts of disabilities. Children feeling the effects of war School principals kindness. The project features a series of basic can be displaced because of the armed conflict film-training workshops followed by a four day and suffer physical and psychological trauma. took pledge film-making project and film festivals across the country. The festivals would showcase the best Currently there are about 153 million children on behalf of films to spread awareness about social causes between the age of five and 14 who are forced the schools by and to build engagement with social issues. The into child labour. The International Labour goal is - through the medium of stories - strike Organisation in 1999 adopted the Prohibition signing up to a chord within ourselves and other filmmakers and Elimination of the Worst Forms of Child to inspire and make films for social change. It Labour including slavery, child prostitution and practice a socially also gives an opportunity to create high quality child pornography. responsible action

Children’s Day is recognised in many places around the world, to honour children. It was first proclaimed by the world conference for the well-being of children in 1925 and then established universally in 1954. Universal Children’s Day is celebrated also to bring awareness to children around the globe that have succumbed to violence in forms of abuse, exploitation and discrimination.

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The audience invited for the event were SMEs, RWAs, clubs, schools, colleges, restaurants and NGOs. Branches handed over energy conservation tips cards and discussed paper, water and electricity saving 146 branches celebrated YES COMMUNITY activity with the clients and community tips through to spread the message of promoting posters energy conservation

On the occasion of National Energy over energy conservation tips cards and spread Conservation Day and in alignment with YES awareness about paper, water and electricity BANK’s Environment Management Policy, saving tips through posters. 146 branches celebrated YES COMMUNITY activity from December 12-18, 2013. The The Energy Conservation Act in India was objective was to spread the message of executed by the Bureau of Energy Efficiency promoting energy conservation with (BEE) in 2001. It aims to employ the professional, effective engagement with clients and qualified and energetic managers as well as community. The audience for the event auditors who are with expertise in managing were SMEs, RWAs, clubs, schools, colleges, the energy, projects, policy analysis, finance or restaurants and NGOs. Branches handed implementing the energy efficiency projects.

For every 2,000 pounds of paper recycled, we save 7,000 gallons of water free from chemicals. The amount of wood and paper we throw away is enough to heat 50 million homes for 20 years. Recycled paper requires 64 per cent less energy than making paper from virgin wood pulp, and can save many trees.

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