sign in sign up
<<
Home , Yes Bank

Multinational Corporate Banking Preferred Host Country for Multinationals in At YES BANK, We Are Committed to Offering You World Class Banking Solutions and a World of Exclusive Privileges.

YES BANK’s Debt Ratings Journey YES BANK continues to ride the wave of secular growth accompanied by strong fundamentals

Rating Upgrade Received maiden International Basel III AT1 rating of AA from ICRA & CARE Investment Grade Baa3 long term CARE, India Ratings and ICRA LT II:AA- , UT II:A+, CD:A1+ rating from MOODY’S Investor Rating upgrade of maiden AT1 (Highest Grade) Services issuance under Basel regime by ICRA FY10 FY14 FY19

FY07 FY11 FY17 Rating Upgrade: CARE Upgraded to highest AAA rating Rating Upgrade Rating Upgrade: for Basel III Tier II & Infra Bonds ICRA & CARE ICRA & CARE Upgraded to AA+ for ATI LT II:AA, UT II:AA- Basel III Tier II: AA+, perpetual bonds, highest across all INFRA BONDS: AA+ (credit watch with developing implications) Q1-FY19 Rating Status:

International Long-term Outlook Short-term

Moody's Investors Service Baa3 Stable Prime-3 Domestic Long-term Outlook Short-term

Basel III AT1 Tier II Infra Bonds CARE AA+ AAA AAA Stable A1+ ICRA AA AA+ AA+ Positive India Ratings AA AA+ Stable In the last few years, India has emerged as the world’s fastest growing economy, outshining not just its peers but also major global economies. With the right policy impetus, marked by consistent improvement in Ease of Doing Business and a highly productive and skilled work force, India continues to be amongst the most preferred investment destinations, globally.

At YES BANK, we understand the financial needs of Multinational Corporations (MNCs) as they plan to increase their footprint in India. Our MNC Corporate Banking group is driven by:

Best in Industry Present across all Providing banking Over 1,200 MNCs Professionals major locations in and related services India to including 15% of Fortune 500 companies present in India

Our differentiated approach through dedicated Knowledge Banking teams, deep understanding of the Indian market, world class banking solutions and service excellence, positions us favourably as the ‘Preferred Host Country Bank’ for MNCs in India. YES BANK Proposition for MNCs

Knowledge Banking & Pan-India Indian Market Branch Expertise Network Preferential Exchange Rates for Preferred MNCs, Embassies Dedicated and Consulates MNC team Host Country Bank

Finest Global Network Quality with Dedicated Service International Banking Unit Digital Banking Solutions

Lifecycle Banking geared to assist MNCs at each stage

INDIA ENTRY GROWTH MARKET LEADERSHIP

Liaison Branch Indian Partnership / Green Field Office Office Subsidiary Acquisitions Projects

§ India Business Facilitation Advisory § Cash Management Services § / Merchant Banking § Statutory approvals for setting up in § Vendor / Supplier Financing § Project Financing India § Trade Finance Services § Currency & Interest Rate Hedging Solutions § India Entry: Strategy & Investment § Digital Banking Services § M&A Advisory Structuring § Commercial Loans § Inward & Outward Remittances § IPO Advisory / Capital § Current / Savings / Payroll Accounts Market Advisory § Knowledge Banking & Advisory § Capital market transactions § Escrow services § Import Financing

3 SUPERIOR PRODUCT OFFERINGS A KNOWLEDGE-DRIVEN APPROACH TO BANKING

TRANSACTION BANKING

YES TRANSACT is an internationally acclaimed comprehensive transaction banking solution for large, medium and small companies. With globally benchmarked services and processes, and innovative structuring capability, YES TRANSACT ensures efficient management of the company's financial supply chain. For its superior service offering, YES TRANSACT has won several marquee international awards. Trade Finance Solutions YES TRANSACT enables companies to maximize their business potential through superior and customized services catering to their trade finance requirements:

DIGITAL SUPPLY CHAIN PAPERLESS FINANCE SOLUTIONS IMPORT & EXPORT

§ Import Remittances § API based Dealer & § Use of RBI's IDPMS & § App based digital § Non-Import Remittance Blockchain based EDPMS to reduce TAT payment processing § Vendor Financing by 2 days for Promoters, Letter of Credit Issuance Directors & and Amendment § Factoring & Forfaiting § Eliminates the need to services visit branches to submit Authorized signatories § Bank Guarantee Issuance § Trade Receivables documents § Helps to process and Amendment transaction while they § Discounting System Bill Acceptance (TReDS) are travelling § Bill Payment § Pre-shipment finance

-

-

Cash Management Solutions spanning Collections & Payments Leveraging Digital Solutions

CORPORATE MOBILE e-NACH BANKING Bank from ERP – Round the clock, Inter-bank settlement of funds Mobile Banking on-the-go secure, real-time

E-Collect

Digital Invoice Presentment & Bespoke payments through UPI Streamlined online collections Processing

4 TREASURY & RISK MANAGEMENT SOLUTIONS

With a highly experienced and dedicated team of product experts, YES BANK offers comprehensive and competitive line-up of financial market products to help our customers effectively conduct transactions and manage foreign exchange risks in the global markets. In addition to USD, you can also transact in 18 Foreign Currencies (FCY):

Comprehensive Product Suite YES BANK Advantage

§ Forwards - Covers Transactions more than T+2 § Most competitive Exchange Rate § Interest Rate Swaps (INR and FCY) § FX Rate booking on YES BANK’s online platform § Cross Currency Swaps including Principal Only / § Hedging solutions for Currency & Interest rate Coupon Only exposure § Interest Rate Options - Caps, Floors, Collars, Digitals § Customised solutions for foreign exchange risk § Cross Currency Options management § Forex advisory for FDIs / Capital Flows / ECBs / ADR backed by in-house Business Economics Banking team § Dedicated Treasury Sales Manager for each account § Online Trade Forex platform

5 SUPERIOR PRODUCT OFFERINGS A KNOWLEDGE-DRIVEN APPROACH TO BANKING

FOOD AND AGRIBUSINESS STRATEGIC ADVISORY RESEARCH (FASAR)

In line with YES BANK's knowledge banking approach, this specialized group has been domiciled within the Bank since its inception. The group houses 25 industry specialists having cross-sectoral knowledge and prior industry work experience with reputed companies in the food & agri industry. FASAR provides Strategy, Project and Policy Advisory Services to Domestic Corporates, Multinationals, Government & Multilateral agencies across sectors. Key services include:

Transaction Detailed Project Value chain Feasibility Study Advisory Reports Analysis

Market Entry, Strategic Policy Implementation Expansion Market Research and Diversification Formulation Assistance

Key Engagements

Sectoral Expertise

Agri Exports Food Services Agri Inputs Food Safety

Agricultural Marketing Horticulture Agri Value Chain Marine Industry

Biotechnology Poultry Industry Dairy Plantations

Financial Services Warehousing Animal Feed and Cold Chain Organic Industry

Food Processing & Farm Food Parks mechanization Retail Startups

6 INVESTMENT & MERCHANT BANKING YES SECURITIES, a wholly-owned subsidiary of YES BANK, is one of the leading financial advisors in India offering a gamut of services such as Investment Banking, Merchant Banking, Institutional Sales, Retail and Equity Research. The firm, through a global connect with investors and buyers, has a robust track record of deal closures in Investment Banking and Merchant Banking transactions. Key Highlights: § Unparalleled track record with 300+ successful deal closures in the last 14 years § Preferred investment and merchant bank for leading corporates with repeat successful transactions § Global connect with investors & buyers § Expertise backed by Knowledge Banking across sectors - Automobile, Consumer Markets, Infrastructure, Life Sciences, Media & Entertainment and Sustainable Investment Banking, amongst others § Dedicated team of professionals with extensive experience and relationship capital Offerings

Investment Banking Merchant Banking Mergers & Acquisitions IPO | QIP | FPO | NCD | Rights Issue Private Equity IPP / OFS Joint Ventures Merger / Demerger Mezzanine Financing Takeover / Delisting / Buyback

Key Sectors & Mandates Sustainable Life Sciences Logistics Industrials Investment Banking Vetoquinol Apollo LogiSolutions Western Refrigeration Fonroche Energie

Acquisition of Animal Exclusive advisor to Apollo Sale of controlling interest Sale of 22 MW Solar Healthcare Business of LogiSolutions in forging to Hoshizaki Electric Co Wockhardt Limited logistics Joint Venture with Ltd, Japan, a global food Fiege Group of Germany service equipments company USD 30 mn USD 31 mn

Media & Internet & IT / ITeS Food & Agri, Entertainment E-Commerce FMCG and Retail Cinepolis Test Funda Route Mobile Travel Food Services Advisor to Cinepolis on Advisor to Zeus Advisor to Route Mobile on Strategic investment from acquisition of select Technologies for sale of acquisition of Cellent SSP Group Plc screens of DT Cinemas 100% stake to ASK Pravi Technologies in its subsidiary Enabilon USD 9 mn Learning which runs Test USD 78 mn Funda

7 SUPERIOR PRODUCT OFFERINGS A KNOWLEDGE-DRIVEN APPROACH TO BANKING

STRATEGIC GOVERNMENT ADVISORY

YES BANK has institutionalized a 'Strategic Government Advisory' (SGA) Unit to work closely with Central & State Governments, Urban & Rural Local Bodies and allied agencies in their developmental agenda. The division has extensive experience in building public affairs programs, innovative advocacy missions and policy relevant partnerships. Drawing on the team's expertise and presence across states, YES BANK has the ability to assist MNCs in comparative assessments and investment decision making. Key Strengths

Sectoral Knowledge Relationship Advisory Thought & Expertise Capital Mandates Leadership

Expertise in policies, Pan India presence and Strong knowledge and Active role in policy investment potential and continuous engagement advisory partnerships advocacy in focus business environment with decision makers with various State sectors across focus sectors in across various Governments states Government agencies Key Offerings

Policy Advocacy Market Entry and Investment State-wise Opportunity Expansion Promotion Assessment Expertise in building Partnership to support Facilitate opportunities Support companies to Public Affairs Programs regional or sector-specific for bilateral trade and stay updated with key and engagement with the assessment for investment economic decisions and State Governments to investment in India investment programs drive innovation and transformative changes for citizens through private sector participation Focus Sectors

Urban Infrastructure Investment Promotion & Smart Cities

• Project advisory to 12 Smart Cities • Banking Partner to State Investment Summits of Uttar • Banking relationship with 24 Smart Cities Pradesh, Haryana & Uttarakhand • Municipal finance advisory to 8 Urban Local • Knowledge partnership across sectors with key Bodies chambers including FICCI, CII & PHD

Infrastructure & Logistics Healthcare, Tourism & Hospitality • State AYUSH policies for Kerala & Uttarakhand • State logistics policies for Karnataka and Telangana • State Tourism/ Film Tourism policies - Uttar Pradesh, • Knowledge publication on 'AURIC: Greenfield Uttarakhand, Puducherry, Haryana, Madhya Pradesh and Smart Industrial Township' Karnataka • Business plan for augmentation of railway • Knowledge partner to 8 States/ Union territories for infrastructure in Gujarat – GRIDE (JV of Indian Incredible India Tourism Investors Summit 2016 by Railways and Government of Gujarat) Ministry of Tourism

8 CORPORATE FINANCE Corporate Finance Group offers a combination of advisory services and customized products to assist clients in gaining superior financial returns and minimizing risk based on sector knowledge. The group focuses on providing diversified product offerings catering to specific industry verticals that is tailored to meet their unique requirements. Key Knowledge Sectors

Power & Renewable Oil & Gas Roads Ports Shipping Logistics Energy

Agri Telecom Real Estate Education Healthcare Hospitality Infrastructure

Core Capabilities

Project Conceptualization Project Finance & Arranger Structured Debt / Products

§ Project Advisory § Various Credit Facilities § Bond Issuance § Project Appraisal § Performance Guarantees § Mezzanine Financing § Bid Bond Guarantees § Underwriting § Preference Share Structure § Syndication § ECB

Key Mandates

Country Garden Macquarie Navi Cox & Kings Manipal Group Softbank Group Group Group Intl. Airport Project finance for Sole Banker to Sole pre-bid and Structuring, Financing for Project debt for development of disburse term loan post bid Underwriting and development and implementation of a residential for refinancing underwriter for advisory services to construction of Navi 300 MW Solar Power project located existing debt & NHAI's 1st TOT support Education and Mumbai International Project located in at Thane, Mumbai capex Bundle project Healthcare Business Airport in Navi Bhadla, Rajasthan won by Macquarie across GCC and Mumbai Group Southeast Asia USD 48 mn USD 300 mn USD 871 mn USD 440 mn USD 1,492 mn USD 165 mn

2017-18 2018 2018 2018 2018 2017-18

9 CREATING SHARED VALUE THROUGH SUSTAINABILITY

RESPONSIBLE BANKING Responsible Banking is a key differentiator at YES BANK and one of the six brand pillars along with Trust, Transparency, Knowledge, Technology and Human Capital. The Responsible Banking unit steers the Bank's aim of being the benchmark financial institution for inclusivity and sustainability by adopting 'Future Now' strategies to link sustainable development with stakeholder value creation. Through Responsible Banking, YES BANK has played a key role in mainstreaming sustainability and climate finance in India and globally, leading the sector with multiple 'industry-first' achievements.

Positive Impact Climate Undertaking Climate Action Finance Commitments § YES BANK issued India's first Green Infrastructure § YES BANK at COP21 undertook a commitment to Bond raising USD 160 million mobilize USD 5 billion towards climate action and § International Finance Corporation issued its first plant 2 million saplings towards carbon sink by 2020 Green Masala Bond on the London Stock Exchange § The Bank will mobilize USD 1 billion till 2023 and and privately placed USD 50 million in YES BANK's USD 5 billion till 2030 towards financing solar energy green bonds projects in India § The Bank issued USD 50 million of green bonds with FMO on private placement basis

Leveraging Power of Environment, Social and Governance Partnerships Leadership § YES BANK sourced credit lines from reputed § Only to be included in the Dow Jones multilaterals and DFIs like IFC, Overseas Private Sustainability Indices - Emerging Market Index for 4 Investment Corporation (OPIC), Asian Development consecutive years, for setting benchmarks in ESG Bank (ADB), (EIB) and the performance Development Bank of Austria (OeEB) towards gender § Selected in MSCI ACWI ESG Leaders & MSCI ACWI financing, MSMEs and renewable energy SRI Indexes, and FTSE4Good Emerging Index § Signed a charter with FMO, DEG and Proparco to § Highest number of green facilities certified under the mobilize green investments in India's sunrise sectors ISO 14001:2015 for efficient use of natural resources § YES BANK was sole arranger and subscriber to India’s 1st social affordable housing bond for USD 145 million

Forging Key Alliances and Relationships

§ YES BANK is member of key national and global alliances including the India GHG Program, TERI Council for Business Sustainability, CII Climate Change Council and Natural Capital Finance Alliance § The Bank continues to be a signatory and supporter of key protocols and global alliances focused on climate action, including the UNEP FI, Carbon Pricing Leadership Coalition, UN Global Compact, CDP, Climate Action in Financial Institutions Initiative and Financial Stability Board's Taskforce on Climate-related Financial Disclosure recommendations § YES BANK works with partners globally, undertaking initiatives aimed at mainstreaming sustainable finance. The Bank is one of the 28 founding banks, and the only Indian bank to partner UNEP FI to develop the 'Principles of Responsible Banking' and also partnered UN India to host a round table on Innovative Financing for SDGs Creating Positive Community Impact in India*

40 million+ 5.2 million+ 18,544 28,4 54 13,500 Number of lives given access Litres of water dispensed MSMEs impacted through MSME workers positively Tons of CO2e reduced to safe and clean drinking through 7 Water Health energy efficiency and impacted through energy through YES BANK’s water Centres OHS interventions efficiency and OHS interventions interventions 10 *the figures shown are for FY 2017-18 EXTENSIVE INTERNATIONAL OUTREACH

KEY PARTNERSHIPS WITH INTERNATIONAL FINANCIAL INSTITUTIONS

Partnered IFC and Goldman Sachs Signed MOU with London Stock First Indian bank to join World 10,000 Women initiative to Exchange Group (LSEG) to list up Business Council for Sustainable provide loans worth USD 50 to USD 500 million green bonds Development (WBCSD) m i l l i o n t o w o m e n - o w n e d on London Stock Exchange by Dec businesses 2016

Successfully raised a USD 30 Raised USD 200 million unsecured Signed loan agreements totaling million, 8-year Green loan from loan from Asian Development USD 265 million with OPIC and OeEB (Development Bank of Bank (ADB) for onlending to small to support small Austria) to finance renewable farm households and rural business growth in India energy projects in India women’s Self-Help Groups (SHG)

Committed to target mobilizing Signed USD 400 million co- loan market - successfully USD 5 billion for climate action by f i n a n c i n g a g re e m e n t w i t h closed 5-year 2020 on the occasion of COP21, European Investment Bank for facility with Taiwanese banks Paris lending to renewable energy sector in India

Raised maiden Samurai Loan in Supporting International Solar Signed agreement with Santander syndication led by Bank of Tokyo- Alliance by committing to Bank to boost UK-India trade and Mitsubishi UFJ Ltd. mobilize USD 5 billion till 2030 l ocal bu si ness networ ki n g towards financing solar energy opportunities projects in India

11 EXTENSIVE INTERNATIONAL OUTREACH

PROLIFERATING OUR GLOBAL SERVICE CAPABILITIES Gujarat International Financial Tec-City (GIFT City) in the State of Gujarat is the only approved International Financial Service Centre (IFSC) in India.

YES BANK is one of the largest contributors to GIFT City's IFSC business and has many firsts to its name.

To receive licence to set up and commence operations of its IFSC Banking Unit (IBU)

To establish USD 1 billion MTN Program on Global Securities Market of India and become the first bank in India to issue the largest debut international bond by raising USD 600 million

Dealing with wholly-owned Transactions with non-resident subsidiaries / JVs of Indian entities other than individual / retail companies registered abroad for foreign customers / HNIs in currencies currency commercial loans, CAPEX except INR and other permissible end uses

Trade Finance: Trade Credit, LC, BG FX Hedging Solutions & other permissible trade products

Foreign currency current accounts of units operating in IFSCs and non-resident institutional investors

Offering subject to internal due diligence and home-host country regulations from time to time YES BANK INTERNATIONAL OFFICES

Abu Dhabi London Singapore Launched in 2015 (Representative offices to commence operations shortly)

12 LINKAGES WITH OTHER INTERNATIONAL FINANCIAL INSTITUTIONS Helping MNCs through seamless & efficient transfer of cross border funds across geographies.

Americas Brazil ü Canadian Imperial Bank of ü Corpbanca ü JPMorgan ü Banco Bradesco Commerce United States ü PNC Bank ü Itaú Unibanco ü Royal Bank of Canada ü ü Wells Fargo Canada ü ü BB&T ü Bank of Montreal Chile ü Citibank

Europe Austria ü SEB Group ü UniCredit Switzerland ü Raiffeisen Bank ü Société Générale Luxembourg ü International Germany ü European ü Zurich Cantonal Bank ü Raiffeisen-Landesbanken ü BHF Bank Investment Bank Sweden Belgium ü Commerzbank Netherlands ü Handelsbanken ü KBC Group ü ü ING Group United Kingdom Denmark ü Landesbank Baden- Spain ü ü Nordea Württemberg ü Banco Sabadell ü HSBC France Italy ü La Caixa ü ü BNP Paribas ü Intesa Sanpaolo ü Santander Bank ü ü Natixis ü UBI Banca

Middle East & Africa Bahrain Kenya Qatar Togo ü ü Arab Banking ü I&M Bank of Qatar ü Ecobank ü Doha Bank Corporation ü KCB Group Turkey Israel Kuwait South Africa ü Standard Bank ü Halkbank ü Bank Hapoalim ü Burgan Bank Saudi Arabia United Arab Emirates Oman Mauritius ü Saudi British Bank ü ü Bank Muscat ü Abu Dhabi Commercial Bank AfrAsia Bank Tanzania ü ü National Bank of Oman ü ü CRDB Bank Emirates NBD ü Egypt Nigeria Turkey First Abu Dhabi Bank ü ü Bank of Alexandria ü United Bank for Africa DenizBank ü UAE Exchange ü VakıfBank

Asia Pacific

Australia ü China Merchants Bank Malaysia South Korea ü ANZ ü Industrial and Commercial ü CIMB Group ü Export-Import Bank of ü Commonwealth Bank Bank of China ü International Money Korea ü Express ü Hana Bank Foreign Exchange Cambodia Central Singapore Taiwan ü ü Westpac Union Commercial Bank ü United Overseas Bank ü CTBC Bank China Japan Sri Lanka Thailand ü Bank of China ü Shinsei Bank ü ü Kasikorn Bank

Multilateral Institutions Banking Tie-ups for NRIs

ü Asian Development ü German Investment ü Nordic Investment Bank ü International Money Bank (ADB) Corporation ü Overseas Private Investment Express Corporation (OPIC) ü UAE Exchange ü Export Development ü International Finance Corporation (IFC) ü Proparco Canada ü Khazanah Nasional ü United States Agency for ü Export-Import Bank Of ü Netherlands Development International Development Malaysia Berhad Finance Company (USAID)

13 OUR GLOBAL RELATIONSHIPS

We serve over 1,200 MNCs in India, offering them a comprehensive suite of services

Canada France Scandinavian UK Switzerland ü AGT Foods ü Air France Region ü Control Risks ü ABB ü AMP Solar ü Bollore Logistics ü CPP Group ü Bata ü Accenture ü Canadian Solar ü CMA CGM ü Delphi TVS ü Breitling ü Alfa Laval ü ü Faces Cosmetics ü Edenred ü ED&F Man Holcim ü EQT Group ü ü Fairfax Group ü EDF Energy Commodities Lafarge ü Miles Technologies ü ü JSS Medical ü Engie Solar ü Fidelity Nestle ü Sandvik ü Pamp ü Mazarine Commerce Inc ü Eren Group ü G4S Group ü ü ü McCain Foods ü SKF ü Green Growth VFS Global Lactalis ü ü Systemair Energy Fund Quess Corp ü Louis Dreyfus ü UTi Worldwide ü ü Thomas Cook ü Roquette Unilever ü WSP Consultants ü Saint Gobain ü Schneider Electric ü Solairedirect

USA ü ADM Group ü Nourishco ü Adobe Beverages ü ü American Express Oracle Spain ü Amplus Group ü P&G ü ü Amway ü Pepsico Aldesa ü Amazon ü Schreiber Foods ü Solarpack ü AON Consulting ü Sequoia Capital ü Tenova ü Avery Dennison ü Spicer Dana ü Beam Global ü Starbucks ü ü Bose Subway Netherlands ü Boston Scientific ü Tyson Foods ü ü Burger King ü United Focal Energy Holdings ü ü Capsugel Technologies Kales Airline Healthcare Corporation ü Philips ü ü Cargill Valvoline ü ü Royal Kusters Engineering ü Cognizant Western Union ü Mexico ü Colgate Palmolive Zoetis ü ü Conagra Foods Cinepolis ü ü Dura-Line ü Dell ü Fotowatio ü Ernst & Young Renewable Ventures ü Evergreen Power ü EXL ü Federal-Mogul ü First Data ü First Solar ü Ford Group ü GE ü Harley Davidson ü Hines ü Honeywell ü IBM ü Iron Mountain ü Kohler ü Lubrizol ü McDonald's

14 Germany China South Korea Japan ü Allgeier ü COFCO International ü Ceragem ü Daikin ü Blue Dart ü Country Garden ü GS Caltex ü Fujifilm India ü BMW ü MCM Worldwide ü Hyundai Motor ü Hitachi Group ü Continental India ü Midea Group ü LG ü Honda Motorcycles ü Daimler ü TBEA Energy ü POSCO Group ü Hoshizaki ü Faber-Castell ü Vivo ü Samsung Group ü Kansai Nerolac ü Hafelem ü Yingtong ü Kokuyo ü Hubergroup ü ZTE ü ü Knorr-Bremse Group ü Mitsubishi Group ü KSB Pumps ü NIPRO Corporation ü Mahle Behr ü Panasonic ü Volkswagen ü Renault Nissan ü SB Energy ü SML Isuzu ü Softbank ü Suzuki Motorcycles ü Tatsuno

Israel ü Netafim ü Tahal Group ü Verint Systems

Thailand ü CP Group

Singapore UAE ü Ascendas Group ü DP World ü Continuum ü CX Partners ü Everstone Capital ü Olam International ü Orange Renewable ü Sindicatum Carbon Capital Italy ü Spice Global ü ü Brembo Brakes Temasek Group ü Case New Holland ü Trafigura ü Danieli South Africa ü Enel Australia ü Fiat Chrysler ü Phelan Energy ü FCM Travels ü Piaggio ü Leighton ü Macquarie Group

Disclaimer: The maps depicted in the brochure are only a pictorial representation of the world map and are not illustrated to scale. YES BANK Limited shall not be liable for any loss or damage whatsoever, including incidental or consequential loss or damage, arising out of, or in connection with, any use of or reliance on the information from these maps. The logos and trade marks (other than that of YES BANK) indicated are of their respective owners and YES BANK is using the same merely for description. 15 FOSTERING A STARTUP ECOSYSTEM

YES FINTECH is a platform for YES BANK and Fintech startups to co-create innovative solutions and jointly take them to the bank's retail and corporate customers. This is a unique program – with no upfront equity commitment sought from startups, clear focus on building solutions relevant to use cases identified by YES BANK and providing Fintech startups access to YES BANK's 2 million+ customer base and over 20 global markets.

Strategic partnership agreements with leading start-up community globally

Innovation Center of Denmark Denmark Finland Israel Malaysia Netherlands Singapore UAE USA Key Focus Areas

Capital Customer Cybersecurity Digital Enterprise Governance, Retail & SME Rural & Agri Trade Markets on-boarding Payments Tech Risk & Lending Finance Finance & Health Compliance Fx

YES SCALE is a multi-sector accelerator program launched by YES BANK to co-create and develop innovative solutions with startups across key impact sectors of the economy - Smart City, Cleantech, Agritech, Lifesciences and Edutech. The program is aimed at creating financial innovations by sourcing, scaling and sustaining emerging technology solutions in sunrise sectors. The program offers the following:

Digital Dedicated Proof Global Startup Ecosystem Integration Transformation of Concept Pool Support Support Support Funding

Strategic Advisors Investment Partners

Ministry of New and Renewable Energy

Key Partners 13 Indian Smart Cities including Aurangabad, Chandigarh, Gurugram, Karim Nagar, Nasik, Rajkot, Surat, Vadodara, Warangal, amongst others

16 AWARDS AND ACCOLADES

FORBES GLOBAL 2000

Bank of the Year India - 2017, 2015 Best Bank for SMEs India, Asiamoney Overall Rank #1,013 The Banker, London Best Banks Awards, 2018 Ranked #155 among Growth Champions Best Bank in India, Corporate Client Forbes Global 2000 World’s Largest Public Choice Awards, 2017 Companies, June 2018 Hong Kong

Global Rank #217 Pioneer in Emerging Markets - India Transaction Bank of the Year - APAC - 2017 The Banker 1000 List Climate Bonds Initiative London Stock Exchange (LSE) Supply Chain Finance - Global Winner - London 2017 London 2016 Payments Winner (Global), 2016 & 2014 The Banker - Transaction Banking Awards

Asia's Best Bank for CSR Best Bank for Payments and Collections - India Bond House Euromoney Excellence Awards Asia Pacific IFR Asia Awards 2013 Hong Kong, 2016 Global Finance, New York, 2017 Thompson Reuters, Singapore

Best Trade Finance Bank in India

Best Trade Finance Bank in India - 2018, India's Best Investment Bank - Strongest Bank in India by Balance Sheet, 2017, 2016, 2015 YES Securities, Bali, 2018 Switzerland, 2016, Singapore, 2015, Best Financial Supply Chain, 2018, 2017 Digital Bank of Distinction Corporate/ Dubai, 2013, Singapore, 2012 Best Corporate Payments Project in India, Institutional Bank – Asia, London, 2016 Best Managed Bank in India for the 3- 2018, 2016 Best Information Security Initiatives - Global Year Period (2011-2013), Jakarta, 2013 Best Corporate Trade Finance Deal in India, Winner & Best Corporate/ Institutional The Asian Banker Awards 2018, 2015 Digital Bank - India, New York - 2015 Best API Initiative, Application or Platform (Bank), 2018 Global Finance Award Best Blockchain Initiative, Application or Programme, 2018 Best Productivity, Efficiency & Automation Initiative, Application or Programme, 2018 Asian Banker Transaction Banking Awards 2018 Contact Us Nikhil Sahni Rakesh Arya Group President & Global Head Senior President and Global Head MNC – Corporate Banking, MNC – Corporate Banking Government Banking & email: [email protected] Strategic Government Advisory email: [email protected]

17 NOTES YES BANK, India’s fourth largest private sector Bank with a pan India presence across all 29 states and 7 Union Territories of India, headquartered in the Lower Parel Innovation District (LPID) of Mumbai, is committed to establish a high quality, customer centric, service driven, private Indian Bank catering to the future businesses of India.

At YES BANK, we provide knowledge driven Banking solutions. Our Knowledge Bankers are industry experts and offer invaluable and in-depth insights for your business. ACHIEVING ENVIRONMENTAL, SOCIAL & GOVERNANCE EXCELLENCE

Dow Jones First and only Indian bank on the Dow Jones Sustainability Indices for the Sustainability Indices fourth consecutive year in 2018

Selected in FTSE4Good Index for the FTSE4GOOD second consecutive year in 2018

Only Indian bank to be OEKOM awarded ‘PRIME’ status by OEKOM Research AG Research AG in 2018

Selected in the MSCI All Country MSCI World Index (ACWI) - ESG Leaders & SRI Indices in 2017

1,110 Branches Pan India | 1,784 ATMs | 20,000+ YES BANKers Regd. & Corporate Office: YES BANK Limited, YES BANK Tower, IFC 2, 15th Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai 400 013, India www.yesbank.in