The Story
RESPONSIBILITY ASSURANCE PROFICIENCY CONVENIENCE AGILE SUSTAINABILITY CONFIDENCE OPENNESS EXPERTISE SECURITY INSIGHTFUL CONSERVATION INTEGRITY CLARITY ACUMEN SPEED ASTUTE ETHICS
TRUST
TRANSPARENCY
KNOWLEDGE
TECHNOLOGY
TRUST
HUMAN CAPITAL
RESPONSIBLE BANKING
HUMAN CAPITAL HUMAN
RESPONSIBLE BANKING RESPONSIBLE
TECHNOLOGY
KNOWLEDGE
TRANSPARENCY
Say YES to Growth !
Incorporation of
NOVEMBER 2003 YES BANK Limited
Capital infusion by promoters and key
INDIA’S FINEST QUALITY MAR investors RBI license to commence banking business BANK MAY First branch at Mumbai & inclusion in second
AUG schedule of the RBI Act
2004
Launch of Corporate & Business Banking
AUG
ISO 9001:2000 certification for back office
FEB operations
Maiden public offering of equity shares by the
JUN Bank
Rana Kapoor, Founder, MD & CEO adjudged
2005 Start-up Entrepreneur of the Year at the E&Y NOV Entrepreneur Awards 2005
FY2006-First full year of commercial
MAR operations; Profit of INR 553 million, ROA 2%
YES BANK's Investment Banking Group was ranked #1 in M&A 'Outbound Cross Border APR Transactions' in the Bloomberg League Tables
Raised INR 1.8 billion of long-term
OCT subordinated Tier II debt
2006 Launch of YES SAMPANN INDIA, our Financial Inclusion Initiative, in partnership DEC with ACCION International, USA
RaisedR 1.98 billion of Upper Tier II capital
MAR
Launch of YES-International Banking
AUG
Selected as a Founding Member of the
2007 Community of Global Growth Companies at
SEP ACTION + QUALITY = GROWTH x SCALE = the World Economic Forum, Geneva FINEST QUALITY LARGE BANK RaisedR 3,640 million (USD 85 million) in a combination of Upper Tier II Subordinated
JUN VISION BUILDING THE FINEST QUALITY LARGE Debt and Hybrid Tier I Capital from Rabobank BANK OF THE WORLD IN INDIA’ YES BANK won the prestigious Emerging Markets Sustainable Bank of the Year Award
JUN at the Financial Times/IFC, Washington
2008 Sustainable Banking Awards held in London R e R
3,000 Crores
Successfully completes maiden USD 600Bonds Mn Issuance under its MTNInternational program, Debt in Markets YES BANK signs MoU withGoldman IFC Sachs and 10,000 women forMn USD Loan 50 to financEntrepreneurs Women MSME Youngest Indian Company to beForbes part Global of 2000 the List Raised USD 50 Mn fromDevelopment FMO, Bank Dutch Raised Basel III compliant AT1R Bonds of Raised 4906.68which Cr is (USD India’s 750 largest Mn) privateINR QIP sector terms QIP in YES BANK signs MoU withGovernment’s OPIC, development US arm and Wells Fargo Bank for USD 150MSMEs Mn and lending Women to Entrepreneurs. Raised INR 5400 Crores ofCompliant Basel AT-1 III Bonds Raised USD 500 million through a global QIP Raised USD 200 mn UnsecuredAsian Loan Development from Bank for financing working capital & investment loanstowards targeted small farm households &women rural in SHGs Raised India’s FIRST Green Infrastructure Bonds for an amount of(USD 160 million) 1000 Crores YES BANK launched its firstrepresentative International office in Abu Dhabi, UAE IFC, a member of theinvests World USD Bank 50 Group, mn inInfrastructure YES Bond BANK's Green Only Indian Bank included inSustainability Dow Index Jones in New York YES BANK adjudged Bank ofby the The Year, Banker India magazine (PartTimes, of UK) Financial London Raised USD 500 Million inFCY Longer Loan Tenure and FCNR Funds in FYFIRST 2013-14 bank in IndiaExcellence to trophy receive at the the Business Ramkrishna prestigious Bajaj IMC National Quality Awards
OCT APR JUL OCT DEC MAR DEC FEB AUG OCT FEB APR JUN MAR MAY
DEC 2015 2018 2016 2017 2014
2009 2010 2011 2012 2013 MAR JUL DEC JAN APR DEC JUN NOV DEC DEC AUG JUN MAR JUN AUG million R Phase of Growth Lower Tier II Debt second year in a row SME Survey & Awards Territories across India R Indian Banking to the World World Best Bank Awards 2009 Launched the 1st FT-YES BANK (2011-2013) by The Asian Banker KPMG Best Bank Survey & Awards R Rated as Best Mid-Sized Bank , 2012 - Raised USD 225 million through a QIP Raised Hybrid Tier I Capital of 1,540 Raised USD 65 million of Subordinated the Year (Asia/Pacific)” Award - FT/IFC Retail Banking footprint expands to 500 Hiked Savings Deposit Rate to 7%p.a. and the Year (Asia/Pacific)” Award at FT/IFC Recommends Dividend for FY 13 at 60% Awarded the Best Managed Bank in India Sustainable Finance Awards 2012, London Sustainable Finance Awards 2011, London Received the Fastest Growing Bank award Launch of Version 2.0 - YES BANK’s Next by Business World PwC Best Banks Survey Launched the Business Today - YES BANK Awards, and the Best Mid-Sized Bank, 2012 International Banking Summit 2011 – taking branches covering all 28 states and 7 Union Announcement of Maiden Dividend at 15% Raised USD 155 million & EUR 50 million by sheet < 50,000 cr) at the Business Today- Ranked as India's #1 Mid-Sized Bank (balance (balance sheet < 30,000 cr) at the Business Received the presitigous “Sustainable Bank of Received the prestigious “Sustainable Bank of Business Today KPMG Best Banks Survey and way of Dual Currency Syndicated Loan Facility NRE Fixed Deposit Rates to a peak of 9.6%p.a. INTRODUCTION
YES BANK, India's fourth largest private sector Bank, is Commercial Bank”, providing complete range of an outcome of the professional entrepreneurship of its products, services and digital offerings, catering to FounderRana Kapoor and a highly competent top corporate, MSME & retail customers. YES BANK management team, to establish a high quality, customer operates its Investment banking, Merchant banking & centric, service driven bank catering to the “Sunrise brokerage businesses through YES SECURITIES, a Sectors of India”. YES BANK is a “ Full Service wholly owned subsidiary of the Bank.
RECOGNITIONS
YES BANK has won multiple national and international YES BANK became thefirst Indian Bank, and the third recognitions and has recently received the “Bank of the globally in the banking industry to receive certification Year - India” award from The Banker magazine (part of for its “Complaints Management System (ISO Financial Times Group UK) in London, 2017. YES BANK 10002:2004)” by the British Standards Institution (BSI) was adjudged theFastest Growing Mid Sized Bank in on August 25, 2010. YES BANK, also became the first the Business Today KPMG India's Best Banks Survey. Indian Commercial and Retail Bank to receive YES BANK has also been adjudged The Strongest Bank certification for its “Quality Management Framework in India by The Asian Banker, Singapore. YES BANK (ISO 9001:2008)” across 100 branches in the country by has won this award for the 4th time in the last 5 years. Bureau Veritas (Global Leaders in ISO Certification) as YES BANK has also been adjudged the Global Winner on Mar 31, 2010. for Best Information Security Initiatives and India's Rana Kapoor, Founder, MD & CEO was recently Best Corporate/ Institutional Digital Bank at the felicitated by the Government of Maharashtra for his Global Finance World's Best Digital Banks Awards 2015, contribution to the state of Maharashtra. Rana Kapoor London. YES BANK has also received accolades for its was adjudged as CEO of the Year at SABRE Asia Transaction Banking product suite and was adjudged Pacific Awards 2016 in Hong Kong by The Holmes the Global Winner in the Payments Category by The Group. Mr. Kapoor was also recognized by the Lokmat Banker Transaction Banking Awards 2016 in London. Group for this Exemplary Contribution to YES BANK was the sole Indian Bank to be recognized by Infrastructure Banking. Mr. Kapoor was adjudged ' The Global Finance magazineas part of its Digital Banks of Leading Banker of the Decade' by The Indian Chamber Distinction Awards 2016 in the Corporate/ of Commerce (ICC). In May 2016, he was recognized by Institutional Banking Category . theLondon Business School India Business Forum for Some other brand recognitions received by YES BANK Exemplary Contribution to Innovation and include High Performance Brand Award by AIMA RK Entrepreneurship. He was also awarded by IIT Bombay Swamy BBDOand Most Promising Brand award by for Being a ‘Role Model Entrepreneur’ and for his Economic Times among others. YES BANK has become Exemplary Contribution to Fostering the the first bank in India to be awarded the prestigious Entrepreneurial Ecosystem in India. Mr. Kapoor was IMC Ramkrishna Bajaj National Quality Award for also awarded the 1st ever C Rangarajan Award for Business Excellence in the Services Category. Excellence in Banking. Mr. Rana Kapoor has also been YES BANK was also recognized as The Best Managed the recipient of the ABLF Business Innovator Award BankinIndiafor the 3-year Period (2011-2013) by The given by the prestigious Asia Business Leadership Asian Banker Magazine for the 2nd year in a row. YES Forum. The other awards received by Mr. Kapoor BANK received the Outstanding Sustainable Project include the'Banker of the Year' Award at the 36th Financing at the Karlsruhe Sustainable Finance Awards SKOCH Annual Aspiring India Summit and Awards 2014. In 2013, YES BANK also became the first Bank in 2014, World Trade Centre Award of Honour 2014, The India to be awarded theISO 14001:2004 Certificate for Best Banker award at The 4th Rajiv Gandhi Excellence its Environmental Management practices. Awards 2013 and The Asian Banker CEO Leadership Award 2013.
Bank of the Year India - Best Bank for SMEs India, Strongest Bank in India – The 2017, 2015 Asiamoney Best Banks Awards, Asian Banker Awards 2018 The Banker Fourth time in Five years London Best Bank in India, Corporate Client Choice Awards, 2017 Geneva Hong Kong October, 2016
1 RATING
YES BANK has received an International Investment bond issue 'ICRA AA+'and 'CARE AA+' , respectively. Graderating - Baa3 long-term & Prime-3 short-term ICRA has reaffirmed YES BANK'sA1+ rating for its on- from Moody's.ICRA (an affiliate of Moody's Rating going INR 100 bn Certificate of Deposit programme Service) &CARE currently rate Tier II bonds of and its short-term Fixed Deposit programme, indicating YES BANK at'ICRA AA+' and 'CARE AA+' , the highest level of safety in the short-term. respectively. ICRA and CARE rate the Infrastructure
KEY FINANCIALS
YES BANK has recently announced Financial Results Total Capital Adequacy ratio at18.4% . Total Capital for the Quarter and Year ended Mar 31, 2018. In Q4FY18 Funds stand at R 46,975.7 crores. 29.0%R 1,179.4 crores, Net Profit grew by y-o-y to Net The Bank is also increasingly capturing market share 31.4%R 2,154.2 crores, Interest Income grew by y-o-y to with consistent growth and profitability as depicted in 13.0%R 1,421.0 Non Interest Income grew by y-o-y to the charts below. Over the past 5 years, YES BANK has crores. 53.9%R 203,533.9 Advances grew by y-o-y to more than doubled its market share in advances to 2.4% crores 40.5%R 200,738.1 and Deposits grew by y-o-y to (as per provisional figures published by RBI), while crores as of Mar 31, 2018. delivering superior shareholder's return. The Bank has The Bank continues to focus on improving granularity maintained RoA over1.5% and RoEs above 17% over as reflected in CASA ratio improving to 36.5% as on Mar past 10 years. 31, 2018 from 36.3% as on Mar 31, 2017. Further Total YES BANK is the FIRST bank out of GIFT City, Retail Liabilities (CASA + Retail TDs) stands at 57.2% as Gandhinagar to launch MTN issuance, and continues to on Mar 31, 2018. The Bank has complete suite of Retail be the largest among the operational IBUs with Balance product offerings which along with investment in Sheet size crossing USD 2.5 Billion. infrastructure, people and technology, will drive improvement in productivity and efficiency in Retail and Branch Banking franchise
350,000 10 Quarter CAGR Advances: 39%, Deposits: 30%, Total Assets: 32% 300,000
250,000
200,000
150,000
Crores
R 100,000
50,000
- Q1FY16 Q2FY16 Q3FY16 Q4FY16 Q1FY17 Q2FY17 Q3FY17 Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18 Advances Deposits Total assets
10 Quarter CAGR 2,500 Net Interest Income: 30%, Non Interest Income: 34%, Net Profit: 29% 1,400
1,200 2,000 1,000
1,500
Crore
800 Crore
R
R 600 1,000
400 500 200
- - Q1FY16 Q2FY16 Q3FY16 Q4FY16 Q1FY17 Q2FY17 Q3FY17 Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18
Net Interest Income (LHS) Non Interest Income (LHS) Net Profit (RHS)
2 CORPORATE GOVERNANCE
Since its early days, YES BANK has fully complied with engagements provide the Board with an opportunity to the recommendations of the Ganguly Committee, and mentor and groom the Bank's leadership to take on the provisions of the Banking Regulations Act, the additional responsibilities, and also align them Companies Act, 2013 and the Clause 49 of the Listing strategically with the vision of the Bank. Agreement, in the formation of its Board of Directors These and other steps taken under the guidance of the and other governance requirements. Board of Directors ensure that YES BANK continues in The Board of Directors also extensively engages with its chosen path of evolving its organizational character the top and senior management leaders of the Bank as the 'Professionals' Bank of India'. during various committee meetings of the Board. Such
NON-EXECUTIVE CHAIRPERSONS
LATE MR. ASHOK KAPUR From September, 2004 – November, 2008 MR. S. L. KAPUR From January, 2009 – April, 2012 MR. M. R. SRINIVASAN From June, 2013 – June, 2014 MS. RADHA SINGH From October 30, 2014 - October 29, 2016 MR ASHOK CHAWLA Since October 30, 2016
BOARD MEMBERS
Non-Executive Independent Part-time Chairman Chairman – Stakeholders Relationship Committee, YES BANK MR ASHOK CHAWLA Chairman – Corporate Social Responsibility Committee, YES BANK Senior Civil Servant and Former Chairman of the Competition Commission of India
LT GENERAL Independent Director (DR.) MUKESH Chairman – Service Excellence, Branding and Marketing Committee, YES BANK SABHARWAL (RETD.) Chairman – Committee of Independent Directors, YES BANK Former Lt General in Indian Army
Independent Director MR. BRAHM DUTT Chairman-Nomination & Remuneration Committee, YES BANK Former Secretary, Ministry of Road Transport & Highways, Govt. of India
MR. VASANT V Independent Director GUJARATHI Chairman - Audit Committee, YES BANK Ex- partner with PWC India
Non-Executive Non-Independent Director MR. AJAI KUMAR Chairman - Risk Monitoring Committee, YES BANK Chairman - Board Credit Committee, YES BANK Former Chairman and Managing Director, Corporation Bank
MR. SUBHASH Additional Director CHANDER KALIA Former Executive Director of Union Bank of India and Vijaya Bank Ltd.
MR. RENTALA Additional Director CHANDRESHEKHAR Past President of NASSCOM
DR. PRATIMA Additional Director SHEOREY Director - Symbiosis Centre for Management & Human Resource Development (SCMHRD)
Founder, Managing Director & CEO MR. RANA KAPOOR Chairman - Fraud Monitoring Committee, Capital Raising Committee and Board Committee on Willful Defaulters & Non Co-operative Borrowers, YES BANK Vice Chairman – Risk Monitoring Committee, YES BANK *As on April 26, 2018 3 KEY DIFFERENTIATORS
Knowledge Banking: Technology:
YES BANK has YES BANK has adopted a invested in several Knowledge driven state-of-the-art approach to offer technology financial solutions, initiatives and which go beyond successfully the traditional implemented them. Since inception, YES BANK has realm of banking. At YES BANK, we are committed to pursued outsourcing, as part of its strategy. The supporting the sustainable growth and development philosophy of the Bank has been to engage with select of sunrise sectors like Food & Agribusiness, partner companies who are acknowledged leaders in Telecommunications, Information Technology, their products or businesses in developing specific Lifesciences, Renewable Energy, Media & solutions for YES BANK, that are differentiators in the Entertainment, Manufacturing and Textiles, among marketplace. others.
: Human Capital: Responsible Banking
The Human YES BANK's Capital ' Responsible engagement Banking' approach, practices at supported by its YES BANK are ''Triple Bottom Line targeted at focus, has enabled developing the the Bank to create YES BANK brand as an‘Employer of Choice’ . The shared value for its wider stakeholder spectrum. Bank has focused on attracting and retaining the best Through pioneering initiatives and business solutions talent from India and abroad. YES BANK aims to build that weave sustainable development into its core a culture and environment that supports Professional business strategy, YES BANK has striven to take a Entrepreneurship, and is built on the core principle of leadership role in delivering positive socio-economic Creating and Sharing Value. impact on the ground and creating a paradigm shift in the industry's approach to inclusive growth and national parity.
Organization Management Structure (5 levels) With a holistic approach towards sustainable development and corporate social responsibility, YES BANK has created qualitative and quantitative impact through its sustained focus on financial Top: inclusion, environmental stewardship, thought 106 leadership and sustainable investing. With its unique community engagement initiative, Senior: 261 YES COMMUNITY, the Bank has built strong relations and triggered local action on pertinent socio-economic Middle: 3,269 and environmental issues by leveraging its branches as knowledge sharing centres. YES FOUNDATION, founded in 2012, expands the Bank's sustainability Junior: 9,048 footprint with its vision of building “an Empowered and Equitable India.” The Foundation's first initiative General: 5,554 “YES! i am the Change ” is a nationwide movement to inspire youth to contribute to India's social Total: 18,238* transformation through the impactful medium of films. *As on Mar 31, 2018
4 BUSINESS LINES
YES BANK provides a comprehensive range of client- leadership focused Corporate Banking and Commercial Banking delivering proven, Services, including Working Capital Finance, easy-to-use specialised Corporate Finance, Trade, Cash solutions for Management & Transactional Services, Treasury Government Services, Investment Banking Solutions and Liquidity Undertakings and Management Solutions to name a few. YES BANK is Agencies. committed to provide innovative financial solutions YES BANK has by leveraging on superior product delivery. YES provided financial and advisory services to Ministries BANK covers the entire gamut of customers through of the Union Government, State Governments, Central the following specialized relationship groups: & State Public Sector Undertakings (PSU's) & Agencies. Corporate Banking The Corporate Branch Banking Banking (CB) YES BANK believes in providing a holistic banking business at experience to all its customers through its high quality, YES BANK state-of-the-art branch network, using cutting-edge provides technology, a truly customer centric offering, and comprehensive significantly differentiated marketing and branding financial and risk strategies across major towns and cities in India. management Branch Banking at YES BANK comprises of Business solutions to clients having a turnover of INR 1,500 Banking, Retail Banking and a dedicated Rural & crore and above. The relationship experts across this Inclusive Banking channel (RURBAN) business unit, offer an array of services to Large Indian Corporate & Mid-sized Corporate. Small Enterprises Banking Business Banking at YES BANK is a dedicated Emerging Corporates Banking business unit to service MSMEs in India. YES BANK caters to all the service requirements of By continuously these MSME's across various product segments evolving sector like Cash Management, Payment Solutions, Direct specific products Banking, Liabilities and Investment Management, and services, YES Trade services and advisory. BANK paves the path for a brighter YES BANK provides Fund based lending to future for MSME's with an annual turnover upto INR 100 Emerging crore. The core objective of Business Banking is to Corporates with a turnover between INR 500 crore to easily enable MSME access to finance (including INR 1500 crore. YES BANK provides a comprehensive term finance), and business development services, suite of products to serve the needs of the emerging thereby fostering growth, competitiveness and companies with an emphasis on the Sunrise sectors of employment creation that are key to achieving the Indian economy including Speciality Chemicals, economic growth. Media & Entertainment, IT/ITes, Professional YES BANK has identified IT/ITES, Foreign Trade, Services among others. Logistics, Travel/Tourism, Media and Entertainment, Printing, Trusts, Societies & NGOs, Realty, Professional Services and Others Commercial Business Banking as Key Growth sectors of the Indian Economy and At YES BANK, through the foresight and collective has instituted dedicated SME brances to cater to all knowledge of many minds, Commercial Banking has their business needs. been institutionalized nationally to service the needs of today's growth focused, fast-paced enterprises with Retail Banking an annual turnover betweenINR 100 crores and INR Retail Banking caters to the financial needs of 500 crores. Commercial Business Banking focuses on individuals and small businesses, with products client companies in the "high octane" middle market ranging from savings account, current account, term segment. deposits, debit and pre-paid cards, life and non-life insurance, wealth management products to loans, Government Banking including home loans, personal loans, vehicle loans, gold loans and loan against jewellery. YES BANK The GB Group at YES BANK understands the financial categorizes its customers into distinct categories needs of the Union and State Government based on the relationship size. YES BANK’s Global undertakings and agencies in their progress and Indian Banking, an offering for the Non-Resident development role of a Growing India through Indian community, provides experiential Banking YES BANK's Knowledge Banking approach. This is to the Global Indians. further facilitated through YES BANK's Technology
5 BUSINESS LINES
RURBAN Banking International Banking In order to International Banking at effectively YES BANK continues to further strengthen its manage the international heterogeneity strategy with a associated with clear focus on Semi- servicing the Urban/Rural correspondent Geographies, banks' businesses YES BANK has established a RURBAN Banking in India. channel to support acquisition & servicing of Rural Assets Businesses viz. Farmer Finance, International Banking at YES BANK caters to: Foreign Tractor/Equipment Finance, Micro Enterprises Banks, Multilateral Agencies, Foreign Institutions and Women Self Help Groups). such as US-EXIM, Coface, Euler Hermes amongst others, Private Equity Fund houses with a focus on India and NBFCs registered in India and backed by YES SECURITIES (INDIA) Limited Foreign banks. YES BANK has relations with YSL was incorporated in 2013, as a wholly owned institutions such as IFC Washington, Asian subsidiary of YES BANK LIMITED. YES Development Bank, OPIC (US Government’s SECURITIES is the securities and brokerage arm of Development Finance Arm), Proparco and DeG YES BANK and offers comprehensive Self Service among others. Online Wealth Solutions. Following a client centric approach we offer a range of trading solutions at YES BANK was also the 1st Bank to start an competitive pricing. International Banking Unit (IBU) at the GIFTY City YSL is a securities broker registered with IFSC in Gandhinagar. The IBU allows YES BANK to Securities and Exchange Board of India and is a offer foreign currency lending, Exchange services, member of National Stock Exchange (NSE) and Trade Credit and ECB facilities to eligible entities. the Bombay Stock Exchange (BSE). YES BANK continues to be the the largest Bank in terms of volumes at GIFT IFSC with balance sheet size crossing USD 2.5 billion as on March 31, 2018. Indian Financial Institutions Banking YES BANK’s Indian Financial Multinational Corporate Banking Institutions YES BANK’s Multinational Corporate Banking (MCB) Banking(IFIB) team recognizes the unique financial requirements team helps various Multinational Companies operating in India. Towards relationship and this, we have set up an unparalleled model of banking product managers solutions and service delivery, which can cater to to offer a wide variety of products including Debt, MNCs across the gamut of their lifecycle in India. Trade Finance, Guarantees, Treasury Services, The MCB group has been institutionalized within Working Capital Finance, Cash Management & YES BANK to provide Knowledge Driven Banking Transactional Services, Liabilities and Investment solutions to MNCs present in India and those aspiring Management, and Liquidity Management Solutions to to enter India. Besides, the Bank also have dedicated YES BANK's customers. experts catering to the varying banking needs of The IFIB team leads YES BANK's efforts for raising “Embassies and Consulates” in India. debt capital in the form of Tier I and Tier II bonds from various Indian Institutions and offers an array of services to: Domestic Banks (Govt. owned, Private Corporate Finance and co operatives), Mutual Funds, Insurance YES BANK's Corporate Finance practice offers a Companies, Non Banking Finance Companies combination of advisory services and customized (NBFC), Private Equity Funds and Brokers (both products to assist clients in obtaining superior Capital market and Commodity market). financial returns and minimizing risk based on "Knowledge Arbitrage". YES BANK's Corporate Microfinance Banking: Finance practice focuses on providing diversified YES BANK is committed to 'Creating Equal product offerings catering to specific industry verticals Financial Opportunities and Enabling Financial that meet the precise requirements of customers. Inclusion'. In line with this view, YES BANK YES BANK successfully provides Infrastructure through its Microfinance Banking Group (MFB) Banking and Project Finance, Structured Finance, aims to facilitate access to suitable financial Realty Banking, Project Advisory & Syndications products and services to unbanked low-income and Private Equity (PE). communities across urban and rural India.
6 PRODUCT LINES
Transaction Banking Agri Product Management (APM) YES BANK has YES BANK’s APM expanded the scope division addresses of customer service the important area right from of Agri lending and transaction Rural Banking execution to through innovative information structured finance facilitation, serving the core objective of optimal and risk management solutions for supply-chain management of all operational, administrative and management and development of agri-infrastructure. regulatory activities. The Transaction Banking Group at YES BANK is a core product group focused on “Financial Supply Chain Management” of corporates Inclusive & Social Banking (ISB) and broadly consists of four specialized product A special division launched with avision to mainstream domains namely Cash Management and Direct sustainability within YES BANK’s core business Banking Services, Liabilities and Investments operationsand cognizant of the needs of 'The N ext Management (LIM), Trade Finance and Services, & Billion' customers. The genesis of ISB dates back to Capital Markets, Escrow Account and Securities December 6, 2006 when the Bank launched YES Services. YES BANK is the First Bank in India to have SAMPANN, the first-of-its-kind direct microfinance introduced API Banking in India, which enables faster, initiative in technical collaboration with ACCION real-time and seamless processing of payments and International. The mandate of ISB is to reach out to un- transactions for our client companies. banked and under-banked population (in urban and rural areas) by leveraging YES BANK’s branch network, technology edge and relationship capital in the Public, Investment Banking Private and Social sectors. Working with the guiding Under the principle of Frugal Innovation for Financial Inclusion YES Securities (FI4FI), ISB continuously develops innovative business umbrella the models and forges partnerships for seamless Investment implementation of the same. Recognising the success Banking division is and impact of YES BANK's Inclusive and Social based on a Banking projects , both IFC, Washington and Asian balanced mix of Development Bank (ADB) have provided funding domestic and cross-border Mergers and assistance to further scale up these programs. Ìn Acquisitions, Joint Venture Advisory Services, December 2014, YES BANK raised a USD 200 Mn Private Equity Placement as well as Merchant Unsecured Loan from ADB to grown and enhance the Banking Services across select industry verticals. The YES Livelihood Enhancement Action Program (YES enviable cross-border Mergers and Acquisitions LEAP) which is focussed on providing comprehensive (M&A) built by the team over the years, has led to the financial services to Self Help Groups. Some of the key development of a deep network of relationships with initiatives of ISB includeYES SAHAJ - Mobile Banks, Investment Banks and Advisory Boutiques in Transaction Kit,YES MONEY - domestic remittance countries across Asia, Europe, Africa and the service andYES LEAP - product suite for Self Help Americas. As an integral part of the cross border M&A Groups(SHGs).As on Mar 31, 2018 Advisory, The Team also plays a pivotal role in § YES MONEY has 1.5 Lakh Business Correspondent assisting clients raise acquisition finance from leading Agents enrolled through 38 Business Correspondents Indian and International financial institutions. (SIPL, Oxigen, Hermes, EKO, Easy Bill, Itz Cash, Multilink, Paypoint, Payworld, Youfirst, SNP Services, Beam Money, Seed, Mpurse, Spice Digital, Ezspend, Fia Financial Technology, Sollet, Basix Sub-K, Muthoot Finance, Markets Manappuram, Abhishiekh Retails, ROI NET Solution, Aadharrshila Enroll Systems, Fortune Financial Services At YES BANK, the India Limited, Osiris Infotech Pvt Ltd, Ufx Ventures Ltd, Financial Markets Tinku Eservices Pvt Ltd Mobisafar, Digital India (FM) business Payments Ltd, Ahalia Money Exchange & Financial model is customer Service Pvt., J M SALES, Just Click Travels Private centric and Limited, Shree Plan Your Journey Pvt ltd, Akbar Online provides effective Risk Management solutions related Booking Co Pvt Ltd, Champion Software Technologies to foreign currency and interest rate exposures of Ltd, Klassic Multi Serve Pvt Ltd, Digicards) serving over clients. FM assists clients in creating a complete 70 lakh customers. Aggregate transaction number was understanding of currency and market rate risk faced 469 lakh with a transaction volume ofR 20,191 Crore. by them with respect to Capital Raising, Investments, § YES LEAP has around 16583 active credit linked SHGs Exports, Imports and any other market risks. with an outstanding ofR 110 Cr with saving linkage too. YES BANK provides a host of innovative and § Through YES JLG, the bank has given credit to around customized solutions to clients to enhance returns and 5.8 Lakh woman active borrowers, with an outstanding reduce cost of financing through a host of product ofR 1058 Cr. offerings including Foreign Exchange Forwards, Options and Swaps. 7 PARTNERS
Organisation Nature of Partnership American Express Co-branded Credit Cards Aircel Telecom Connectivity Airtel Telecom Connectivity Bajaj Allianz General Insurance Bill Desk Online bill payment facility CISCO Technology Innovation & Infrastructure CMC NSDL Depository Participation (DP) Cordys Business Process Management FundTech Cash Management and Financial Supply chain FIS ATM and Card Payments Solutions IBM Infrastructure on demand, Enterprise Service Bus and Mobility Platform Intel Technologies Wireless Fidelity (wi-fi) branch banking iSPIRT Powering the Product nation by mentoring startups MasterCard International Gold & Silver Debit Internationalcards Max Life Insurance Co. ltd Life Insurance Murex Integrated Risk Management & Treasury Microsoft CRM, Enterprise Agreement for Servers, Desktops and other products NABARD/NABCONS Strategic Advisory for Food & Agri NCMSL Collateral management and Warehousing Services National Payment Corporation of India IMPS transactions (NPCI) NewGen Software Business Process Management NSIC Financial Solutions & Advisory for Small Scale Industries Nucleus Software Retail Assets Platform OFSS Core Banking & Internet Banking Portwise Internet Banking Security Reliance Communications WAN MPLS Backbone and Data Centre Hosting SIDBI Financial solutions for SMEs Sify Communications Redundant WAN MPLS Backbone and ATM connectivity SmartBox Digitally Solving Return Goods problem of eCommerce partners PhonePe UPI Partnership Taisys Solving the Feature Phone Digital Payment problem Tata Telecom Telecom connectivity VISA International Debit Card Vodafone Telecom connectivity Wipro Technology Outsourcing Wincor Nixdorf ATM’s and Financial Kiosks
8 BRANCH LOCATIONS
7 Leh Srinagar (2)
Jammu (2)
Pathankot 9 Amritsar(4) Shimla Ludhiana(9) Moga Mohali (3) Bhatinda 93Chandigarh (11)11 Dehradun (3) Patiala (2) Panchkula (3) Haridwar Sirsa Karnal 16 Kaithal Saharanpur 121Panipat Meerut (2) Sonepath Ghaziabad (5) New96 Delhi Moradabad (2) Gurgaon(15) Faridabad Noida (6) Bikaner Rawari 1 Palwal Mathura 1 Aligarh Bareilly 58 Itanagar Gangtok Dibrugarh Jodhpur (2) Sikar Agra (3) Shahjahanpur 96 Alwar Faizabad Tinsukiya Jaipur (7) Firozabad Lucknow (4) Siliguri Jorhat Sibsagar Bharatpur Pali Gorakhpur 11 Ajmer Kanpur (4) Guwahati (4) Tezpur 1 Gwalior Patna (2) 3 Dimapur Beawar 1 Allahabad (2) Shillong Bhilwara 1 Varanasi Gaya Silchar Kota Jhansi Vadnagar Imphal Palanpur Udaipur (2) Mehsana Mandsaur Vidisha Dhanbad Bhuj Kalol Agartala Gandhinagar RatlamUjjain Sagar Ranchi Aizawl Gandhidham 101 5 Bardhaman 26 1 Bhopal (3) Jabalpur Rajarhad Gopalpur 1 Morbi Ahmedabad (11) Dewas 61 6 Jamnagar Surendranagar Indore (4) Jamshedpur Kolkata (18) Nandiad Adityapur Rajkot (4) Anand Baroda (6) Bilaspur Kharagpur Amreli Chhindwara Rourkela Bharuch (2) Raigarh Porbandar Junagadh Bhavnagar Veraval Sambalpur Surat (7) Jalgaon Nagpur (4) Raipur (2) 1 Navsari Dhule Amravati Durg Cuttack ValsadValsad 1 Bhubaneswar (2) 6 Puri Nasik (4) 193 Thane (17) Aurangabad Mumbai (54) Ahmadnagar 17 Warangal Pune (15) Vizag (4) Vizianagaram Sangli Hyderabad (15) Kakinada Belgaum (2) Raichur Rajahmundry Kolhapur (2) Gadag Vijayawada (2) Machilipatnam 8 Guntur Bijapur 75 Vasco 16 Ongole Hubli-Dharwad (2) Nellore 1,100 branches in over 710 locations
Manipal Tirupati Over 1720+ ATMs Chikkamagalure Chittoor Mangalore (2) Bangalore (32) Chennai (20) Mysore
Kannur Salem 1 Ooty Puducherry Kozhikode Tirupur Erode Coimbatore (3) Palakkad 1 36 Tiruchirappalli Port blair Kavaratti1 Thrissur 15 Karur Kochi (5) Kottayam Madurai Changanassery Kollam Tiruvalla Tuticorin Thiruvanantapuram
* Names represents only Metro\Urban centres
YES BANK Branch Network - 1,100 branches in over 710 locations North : Adampur, Agra (3), Ajaib, Ajnala, Aligarh, Alipur, Allahabad (2), Alwar, Amargarh, Ambala Cantt, Amritsar (4), Anandnpur-Sahib, Anantnag, Anupshahr, Atail, Badli, Badshahpur, Baghpat, Bahadurgarh, Bahamnoli, Banga, Bansur, Banur, Bara Banki, Barakhera, Baran, Bareilly, Barnala, Batala, Bawal, Begowal, Behror, Bhaini Chanderpal, Bhadson, Bhaini Surjan, BhangRola, Bharan, Bharwani, Bhatinda (2), Bhiwadi, Bhogpur, Bilari, Bina, Bishanpura, Budhlada, Chandigarh (11), Chawri Bazar, Cheeka, Dadar, Damdama, Dasna,Dasuya,Daula,Dayalbagh,Debai,Dehradun(3),Derabassi,Dhamar,Dhampur,Dhand,Dharamsala,Dhariwal,Dharuhera,Dholpur,Dhor,Dhuri,Dopahriya,Dundahera,Dungarpur,Faridabad,Fatehabad,FatehgarhChuriyan,Faizabad,Firozabad(2),Firozpur, Gajraula, Ganaur, Gangapur City, Garhi Bazidpur, Garhi Harsaru, Gaurikhera, Ghaziabad (4), Goela Kalan, Gohana, Gorakhpur, Goraya, Greater Noida, Gulaothi, Gurdaspur, Gurgaon (15), Haileymandi, Harda, Haridwar, Hayatpur, Hoshangabad, Hoshiarpur, Indri, Jakhoda, Jalandhar (3), Jammu (2), Jandiala, Jaspur, Jatal, Jatiyana, Jatola, Jhajjar, Jhansi, Jind, Kabri, Kaithal, Kalka, Kangra, Kankrola, Kanonda, Kanpur (4), Kapurthala, Karauli, Karnal, Karola, Kartarpur, Kasana, Kashipur, Katra, Kerwa Jat, Khairthal, Khandewla, Khandsa,Khanna,KharakJatan,Kharar(2),Khekra,KherkaGujar,Kherla,Kherli,Kisangarh,Kishanpur,Kithoor,KosiKalan,Kulasi,Kunda,Kundli,Kurali,Lachhmangarh,Ladpur,Ladwa,LawaKhurd,Leh,LohianKhas,Lucknow(4),Ludhiana(9),Madlauda,Mahilpur, Malerkotla,Manali,Mandawar,Mandi,MandiGobindgarh,Manesar,Marot,Mathura,MayurVihar,Meerut(2),Mehrana,Modinagar,Moga,Mohali(3),Moradabad(2),Morinda,Mukerian,Muktsar,Mussoorie,Nabha,Nakodar,Namuna,Nangal,Narnaul,Narwana, Navarangpur, Nawada Fatehpur, Nawanshahr, Neemrana, New Delhi (96), Nilauthi, Noida (5), Nurmahal, Palwal, Panchkula (3), Panipat, Paonta Sahib,Pathankot, Patiala (2), Pehowa, Pelpa, Phagwara, Phalodi, Phullanwala, Pilana, Pinjore, Radaur, Rai, Rajdhani Enclave, Rajgarh, Rajpura, Ramgarh, Ramnagar, Ratangarh, Rawatbhata, Rayya, Rehtoj, Rewari, Rishikesh, Rohtak, Roorkee, Rudrapur, Rupnagar (Ropar), Safidon, Saharanpur, Sahnewal, Samalkha, Samchana, Samrala, Sangrur Sankhol, Sardhana, Shahbad Shahjahanpur, Shahkot, Shajapur, Shakarpur, Shikarpur, Shimla, Shrinagar (Hathras), Shujalpur, Siana, Sikanderpur, Sirsa, Sohana, Solan, Sonepat, Srinagar (2), Sultanpur Lodhi, Sunderpur,Taoru,Tigaon,Tohana,Toolera, Udhampur, Una, UrmarTanda,Varanasi, Wazirabad,YamunaNagar,Zirakpur(2) West : AbuRoad,Adalaj,Adgaon,Ahmadnagar,Ahmedabad(11),Ainpur,Ajmer,Amalner,Amravati,Amreli,Anand,Ankleshwar,Aurangabad,Bahadri,Balda,Baliyasan,Balotra,Balvantpura,Banswara,Baramati,Bardoli,Bareli,Barmer,Baroda(5),Bavla,Beawar,Belavli, Betul,Bhadole,Bhainsa,Bharuch,Bharatpur,Bhavnagar,BhawaniMandi,Bhilwara,Bhinder,Bhinmal,Bhomnagar,Bhopal(3),Bhorwadi,Bhuj,Bikaner,Bilara,Bodakdev,Bodeli,Borsad,Butibori,Calangute,Chakan,Chand,Chhindwara,Chikhli,Chimbhali,Chiplun, Chittaurgarh,Chomu,Curchorem,Dahej,Dahiwal,Dalpur,Daman,Dariba,Daund,DaudKhedi,Dausa,Deesa(M),Dehgam,Deogarh,Deolali,Deoli,Dewas,Dhanore,Dhar,DhaturiyaHaweli,Dhawat,Dhule,Dholka,Dwarka,Fatehnagar,Gandhidham,Gandhinagar, Ghodegoan, Gwalior, Halol, Hingangaon bk, Himmatnagar, Hukkeri, Igatpuri, Indapur, Indore (4), Itrasi, Jabalpur, Jaipur (7), Jaitaran, Jalgaon, Jalor, Jamkhandi, Jamnagar, Jamner, Jasapar, Jhalawar, Jodhpur (2), Junagadh, Junnar, Juwardi, Kadi, Kadrama, Kalol, Kandli, Kannad, Kareli, Khanda, Kolhapur (2), Kota, Kotputli, Kudal, Kukrana, Kundewahal, Lalsot, Lasalgaon, Lothada, Mahalingpur, Malsar, Mamdapur, Manawar, Mandalgarh, Mandideep, Mandsaur, Mangrol, Manjargaon, Manur, Mapusa, Margao, Mehsana, Merta City, Morbi, Moviya, Mudhol, Mumbai Metropolitan Region (74), Nadiad, Nagaur, Nagda, Nagpur (4), Narsinghpur, Nashik (4), Nasirabad, Nathdwara, Navsari, NDA, Neem-Ka-Thana, Nidhrad, Niwai, Nokha, Owle, Ozar, Padra, Palanpur, Pali, Pandhurna, Panjim,Parner,Pen,Pilani,Pipariya,Pithampur,Ponda,Por,Porbandar,Pune(15),Raisen,Rajgarh(Dhar),Rajgurunagar(Khed),Rajkot(4),Rajsamand,RamganjMandi,Ratlam,Raver,Ravki,Roha,Rupal,Sachin,Sadatpura,Sangli,Sagar,Sanand,Santacruz(W)-SV Road, Savkheda, Savkheda bk, Sawai Madhopur, Sausar, Sehore, Sendhwa, Sejawata, Seoni Malwa, Shahapur, Shahpura, Shirdone, Shri Dungargarh, Sihorli, Sikar, Silvassa, Sinnar, Sojat Road, Sompur, Srigonda, Sumerpur, Surat (6), Surendranagar, Udaipur (2) , UdaipurvatiUjjain,Umrane,Umred,Unjha,Uran,Vadaj,VadgaonKasba,Vadnagar,Vadsala,Valavdi,VallabhVidyanagar,Valsad,Vapi,Varca,Vasco,Veraval,Vidisha,Vijapur,Virar,Visnagar,Vita,Waluj,Warulwadi,Washi,Yeola South : Ambur, Avargol, Bangalore (32), Bijapur, Belgaum (2), Changanassery, Chennai (20), Chikkamangalur, Chikkodi, Chittoor, Coimbatore (3), Dharwad, Devanahalli, Erode, Gadag, Gorebal, Guntur, Haveri, Hosur, Hubli -Dharwad, Hyderabad (15), Kajjari, Kakinada, Kannur, Karatgi, Karur, Kavaratti, Kochi (5), Kollam, Koppal, Kottayam, Kozhikode, Kurichi, Lingasugur, Ongole, Ooty, Machilipatnam, Madurai, Malapuram, Mangalore (2), Manipal, Manvi, MVP Colony, Mysore, NAD Junction, Narasaraopet, Nellore, Palakkad, Puducherry, Raichur, Rajahmundry, Rameswaram, Salem, Shamshabad, Shanti Nagar, Siddapur, Sindhunur, Sriperumbudur, Suryapet, Thiruvanantapuram, Thrissur, Tiruchirappalli, Tirupati, Tiruppur, Tiruvalla, Triplicane, Tuticorin, Vijayawada (2), Vizag (4), Vizianagaram,Warangal,Yadgir East : Adityapur,Agartala,Aizwal,Asansol,Bardhaman,Bhubhaneshwar(2),BidhanNagar(2),Bilaspur,Chas-Bokaro,Cuttack,Dhanbad,Dibrugarh,Dimapur,DurgBhilai,Durgapur,Gangtok,Gaya,Guwahati(4),Howrah,Imphal,Itanagar,Jamshedpur,Jorhat,Kalyani, Kharagpur,Kolkata(18),Kurud,Patna(2),PortBlair,Puri,Raigarh,Raipur(2),Rajarhat-Gopalpur,Ranchi,Rourkela,Sambalpur,Shillong,Sibsagar,Silchar,Siliguri,Tezpur,Tinsukiya
The map does not purport to be the political map of India or any part of India. 9 ACHIEVINGACHIEVING INSTITUTIONALINSTITUTIONAL EXCELLENCE EXCELLENCE
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1,100Branches Pan India|| 1,720+ ATMs 18,200+ YES BANKers Corporate Office: YES BANK Tower, IFC 2, 27th Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai – 400013, India. www.yesbank.in