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The YES BANK Story: Building The Best Quality Bank of The World in India
The YES BANK Story: Building The Best Quality Bank of The World in India
ACUMEN
CONVENIENCE
SECURITY
SPEED
AGILE
INSIGHTFUL
ASTUTE
RESPONSIBLE BANKING
RESPONSIBLE
BANKING
CLARITY
EXPERTISE
HUMAN CAPITAL
HUMAN
CAPITAL
OPENNESS
PROFICIENCY
TECHNOLOGY
TECHNOLOGY
CONFIDENCE
INTEGRITY
ASSURANCE
KNOWLEDGE
KNOWLEDGE
RESPONSIBILITY
TRANSPARENCY
TRANSPARENCY
TRUST
TRUST
SUSTAINABILITY
CONSERVATION
ETHICS
May
Aug
Aug
Feb
Jun
Nov
Mar
Apr
Oct
November
Mar
Dec
2 0 0 3
2 0 0 4
2 0 0 5
2 0 0 6
Incorporation of
YES BANK Limited
Apr
Jun
Nov
Dec
Jun
Aug
Dec
Mar
May
2 0 1 1
Jun
Aug
Mar
Jun May
Sep
2 0 1 2
2 0 1 3
Jun
Mar
Jul
Dec
Jan
2 0 1 4
Mar
Aug
Sep
Jun
Dec
2 0 0 7
2 0 0 8
2 0 0 9
2 0 1 0
Recognitions
YES BANK has become the first bank in India to be
awarded the prestigious IMC Ramkrishna Bajaj
National Quality Award for Business Excellence in
the Services Category. YES BANK was recognized as
the Best Midsized Bank in the Business TodayKPMG study 2013. YES BANK was also recognized
as The Best Managed Bank in India for the 3-year
Period ( 2011-2013) and The Strongest Bank in India
by The Asian Banker Magazine for the 2nd year in a
row. YES BANK received the Achiever Award for
SME Enablement at the SKOCH Development
Summit & Awards 2014. YES BANK received the
Outstanding Sustainable Project Financing at the
Karlsruhe Sustainable Finance Awards 2014.
YES BANK was also awarded the Golden Peacock
Award for Corporate Social Responsibility 2013,
recognized as Sustainable Bank of the Year
Asia/Pacific at the FT IFC Sustainable Finance
Awards. In 2013, YES BANK also became the first
Bank in India to be awarded the ISO 14001:2004
Certificate for its Environmental Management
practices.
YES BANK became the first Indian Bank, and the
third globally in the banking industry to receive
Winner of RBNQ
Business Excellence
Award - Service
Category
2013
Introduction
Introduction
Introduction
Key Financials
of private placement at a price of R 120 and R 225 per
share respectively. The Bank completed its maiden
QIP in Jan 2010 of R 1,034 cr at a price of R 270 per
share. The Bank successfully raised USD 500 mn
(R 2,942 cr) in June 2014 through QIP at a price of
R 550 per share.
1,400
25 Quarter CAGR
Advances: 32%, Deposits: 33%, Total Assets: 35%
1,200
billions
1,000
800
600
400
Total assets
6,000
25 Quarter CAGR
Net Interest Income 40% Non Interest Income 31% Net Profit 40%
8,000
Q2 FY15
Q1 FY15
Q4 FY14
Q3 FY14
Q2 FY14
Q1FY14
Q4FY13
Q3FY13
Q2FY13
Q1FY13
Q4FY12
Q3FY12
Deposits
Advances
9,000
Q2FY12
Q1FY12
Q4FY11
Q3FY11
Q2FY11
Q1FY11
Q4FY10
Q3FY10
Q2FY10
Q1FY10
Q4FY09
Q3FY09
Q2FY09
200
5,000
7,000
4,000
5,000
3,000
4,000
3,000
2,000
2,000
1,000
Q2 FY15
Q1 FY15
Q4 FY14
Q3 FY14
Q2 FY14
Q1FY14
Q4FY13
Q3FY13
Q2FY13
Q1FY13
Q4FY12
Q3FY12
Q2FY12
Q1FY12
Q4FY11
Q3FY11
Q2FY11
Q1FY11
Q4FY10
Q3FY10
Q2FY10
Q1FY10
Q4FY09
Q3FY09
Q2FY09
1,000
-
millions
6,000
millions
Key Financials
Introduction
Rating
Non-Executive Chairpersons
Late Mr. Ashok Kapur
Mr. S. L. Kapur
Mr. M. R. Srinivasan
Board Members
Ms. Radha Singh
Mr. M R Srinivasan
Independent Director
Chairman - Audit Committee, YES BANK
Managing Partner of the Corporate,Tax and Business Advisory Law firm, Vaish Associates
Senior Advocate, Delhi High Court
Lt General (Retd.)
Mukesh Sabharwal
Independent Director
Chairman - Stakeholders Relationship Committee and Service Excellence, Branding &
Marketing Committee, YES BANK
Chairman & Managing Director Rediffusion Dentsu Young and Rubicam Private Limited
Independent Director
Chairman-Nomination & Remuneration Committee, YES BANK
Former Secretary, Ministry of Road Transport & Highways, Govt. of India
Mr. Vasant V
Gujarathi
Mr. Saurabh
Srivastava
Independent Director
Chairman - IT Strategy Committee, YES BANK
Co - founder and past Chairman of NASSCOM
YESBANK
BANK
- Board
Members
YES
- Board
Members
Corporate Governance
Key Differentiators
Key Differentiators
Key Differentiators
Knowledge Banking:
Technology:
Responsible Banking:
Human Capital:
The Human
C a p i t a l
engagement
practices at
YES BANK are
targeted at
developing the
YES BANK brand
as an Employer of Choice. The Bank has focused
on attracting and retaining the best talent from
India and abroad. YES BANK aims to build a
culture and environment that supports
Professional Entrepreneurship, and is built on the
core principle of Creating and Sharing Value.
83
Top
Senior: 333
Middle: 2,153
Junior: 2,932
General: 4,111
Total: 9,612*
*As of September 30, 2014
Corporate Banking
The Corporate
Banking (CB)
business at YES
BANK provides
comprehensive
financial and risk
management solutions to clients having a turnover
of INR 500 crore and above. The relationship
experts across this business unit, offer an array of
services to Large Indian Corporate & Mid-sized
Corporate.
Commercial Banking
By continuously evolving sector-specific products
and services, YES BANK paves the path for a
brighter future for
E m e r g i n g
Corporates. At
YES BANK,
through the
foresight and
c o l l e c t i v e
knowledge of many minds, Commercial Banking
has been institutionalized nationally to service the
needs of today's growth focused, fast-paced
enterprises with an annual turnover between INR
100 crores and INR 500 crores. Commercial
Banking focuses on client companies in the "high
octane" middle market segment.
Branch Banking
YES BANK believes in providing a holistic banking
experience to all its customers through its high
quality, state-of-the-art branch network, using
cutting-edge technology, a truly customer centric
offering, and significantly differentiated marketing
and branding strategies across major towns and
cities in India. Branch Banking at YES BANK
comprises of Business Banking & Retail Banking.
Business Banking
Business
Banking at
YES BANK is a
dedicated
business unit
to service
SMEs in India.
YES BANK
caters to all the service requirements of these
SME's across various product segments like
Cash Management, Payment Solutions, Direct
Banking, Liabilities and Investment
Management, Trade services and advisory.
YES BANK provides Fund based lending to
SME's with an annual turnover upto INR 100
crore. The core objective of Business Banking is
to easily enable SME access to finance (including
term finance), and business development
services, thereby fostering growth,
competitiveness and employment creation that
are key to achieving economic growth.
YES BANK has identified IT/ITES, Foreign
Trade, Logistics, Travel/Tourism, Media and
Entertainment, Gems and Jewellery, Trusts,
Societies & NGOs, Realty, Professional
Services and Others as Key Growth sectors of
the Indian Economy and has develop a suite of
specialized products for all their business needs.
Relationship Segments
Relationship Segments
Business Lines
Relationship Segments
Relationship Segments
Retail Banking
Retail Banking
caters to the
financial
needs of
individuals
and small
businesses,
with products ranging from savings account,
current account, term deposits, debit and prepaid cards, life and non-life insurance, wealth
management products to loans, including home
loans, personal loans, vehicle loans, gold loans
and loan against jewellery. YES BANK
categorizes its customers into three distinct
categories which are YES PROSPERITY, YES
FIRST and YES PRIVATE based on the
relationship size. YES BANKs Global Indian
Banking, an offering for the Non-Resident
Indian community, provides experiential
Banking to the Global Indians.
YES BANK serves its customers through an
extensive network, comprising of over 580
branches and 1150+ ATMs across the country
and innovative customer touch points including
contact centres, internet banking and mobile
banking.
International
Banking
International
Banking at YES
BANK continues
t o f u r t h e r
strengthen its
international strategy with a clear focus on
servicing the correspondent banks' businesses in
India. Additionally, the division provides a suite of
advisory services to international corporations
eager to either expand or enter the Indian market
under the aegis of a dedicated India Business
Facilitation Desk (IBFD).
International Banking at YES BANK caters to:
Foreign Banks, Multilateral Agencies, Foreign
Institutions 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 Foreign banks.
Corporate Finance
YES BANK's Corporate Finance practice offers a
combination of advisory services and customized
products to assist clients in obtaining superior
financial returns and minimizing risk based on
"Knowledge Arbitrage". YES BANK's Corporate
Finance practice focuses on providing diversified
product offerings catering to specific industry
verticals that meet the precise requirements of
customers. YES BANK successfully provides
Infrastructure Banking and Project Finance
(IBPF), Structured Finance, Realty Banking,
Project Advisory & Syndications and Private
Equity (PE).
Investment Banking
YES BANK's
Investment
Banking division
is based on a
balanced mix of
domestic and
cross-border
Mergers and Acquisitions, Joint Venture
Advisory Services, Private Equity Placement as
well as Merchant Banking Services across select
industry verticals. The enviable cross-border
Mergers and Acquisitions (M&A) built by
YES BANK over the years, has led to the
development of a deep network of relationships
with Banks, Investment Banks and Advisory
Boutiques in countries across Asia, Europe, Africa
and the Americas. As an integral part of the cross
border M&A Advisory, YES BANK also plays a
pivotal role in assisting clients raise acquisition
finance from leading Indian and International
financial institutions.
Financial Markets
At YES BANK, the
Financial Markets
(FM) business
model is customer
centric and
provides effective
Risk Management
solutions related to foreign currency and interest
rate exposures of clients. FM assists clients in
creating a complete understanding of currency and
market rate risk faced by them with respect to
Product Groups
Transaction Banking
Product Groups
Product Lines
Partners
Partners
Organisation
Nature of Partnership
American Express
Bajaj Allianz
General Insurance
Vodafone
Telecom connectivity
Bill Desk
FundTech
CISCO
CMC
Cordys
FIS
IBM
Infrastructure on demand
OFSS
Intel Technologies
MasterCard
Life Insurance
Murex
Microsoft
NABARD/NABCONS
NCMSL
NewGen Software
NSIC
Nucleus Software
Portwise
Reliance Communications
Servion Global
SIDBI
Sify Communications
Tata Telecom
Telecom connectivity
Wipro
Technology Outsourcing
Wincor Nixdorf
Yodlee
BRANCH LOCATIONS
PUNJAB (53)
Adampur, Ajnala, Amritsar (2), Banga,
Banur, Barnala, Begowal, Bhatinda,
Bishanpura, Dasuya, Derabassi, Dhuri,
Firozpur, Goraya, Gurdaspur, Hoshiarpur,
Jalandhar (3), Jandiala, Kapurthala,
Kartarpur, Kharar (2), Kurali, Lohian Khas,
Ludhiana (4), Mahilpur, Mandi Gobindgarh,
Moga, Mohali (2), Morinda, Mukerian,
Muktsar, Nakodar, Nangal, Nawanshahr,
Nurmahal, Pathankot, Patiala,
Phullanwala, Rajpura, Rayya, Rupnagar
(Ropar), Sahnewal, Sohana, Sultanpur
Lodhi, Urmar Tanda, Zirakpur (2)
NCR (143)
New Delhi - Ashok Vihar, Bhikaji Cama Place, Chandni Chowk, Chattarpur, Chawri Bazar, Connaught Place, Darya Ganj, Dwarka Delhi (2), East of Kailash, Greater Kailash 2, Green Park, Hudson Lines, Janakpuri (2), Jangpura, Jasola, Jhandewala,
Anantnag
Kalkaji, Kamla Nagar, Kapashera, Karol Bagh, Kashmere Gate, Kirti Nagar, Krishna Nagar, Lajpat Nagar, Malcha Market,
Srinagar Udhampur
Malviya Nagar, Mayur Vihar, Meera Bagh, Model Town, Mohan Co-operative, Naraina Industrial Estate, Nehru Place,
New Friends Colony, Okhla, Okhla Phase 3, Patel Nagar East, Pitampura, Preet Vihar, Punjabi Bagh, Rajdhani Enclave,
Katra
Rajendra Place, Rajouri Garden, Ram Vihar, Rohini (2), Sadar Bazaar, Saket, Shalimar Bagh, South Extension, Sunder
Jammu (2)
Nagar, Tilak Nagar, Vasant Kunj, Vasant Vihar, Vikaspuri
Dharamsala
Kangra
Haryana - Ajaib, Alipur, Atail, Badli, Badshahpur, Bahadurgarh, Bahamnoli, Bawal, Bhang Rola, Bhaini Chanderpal, Bhaini
Una
Surjan, Bharan, Damdama, Daula, Dhamar, Dharuhera, Dhor, Dundahera, Faridabad (2), Ganaur, Garhi Bazidpur,
Manali
Garhi Harsaru, Hayatpur, Gohana, Goela Kalan, Gurgaon (6), Haileymandi, Jakhoda, Jatal, Jatola, Jhajjar, Kabri,
Shimla
Paonta Sahib
Kankrola,
Kanonda, Karola, Khandewla, Khandsa, Kharak Jatan, Kherka Gujar, Kherla, Kulasi, Kundli, Ladpur, Lawa
Baddi
Mussoorie
Khurd, Manesar, Marot, Mehrana, Navarangpur, Nawada Fatehpur, Narnaul, Nilauthi, Panipat, Pelpa, Pilana, Rai,
Solan
Dehradun
Rehtoj, Samalkha, Samchana, Sankhol, Sikanderpur, Sonepat, Sunderpur, Taoru, Wazirabad
Rishikesh
UP
- Anupshahr, Baghpat, Dasna, Debai, Ghaziabad (3), Greater Noida (3), Gulaothi, Kasana, Khekra, Meerut,
Chandigarh (5) Dhampur Ramnagar
Modinagar, Noida (2), Sardhana, Shakarpur, Shikarpur, Siana
Rudrapur Rajasthan - Alwar, Behror, Bhiwadi, Dadar, Jatiyana, Kerwa Jat, Khairthal, Kithoor, Kisangarh, Neemrana,Toolera
Jaspur
HIMACHAL PRADESH
HARYANA (14)
PUNJAB
UTTARANCHAL
HARYANA
Jhajjar
New Delhi
Kashipur
Saharanpur
DELHIMoradabad
ARUNACHAL
NEPAL
Mathura Aligarh Bilari
PRADESH
Bareilly
Kishangarh
SIKKIM
Nokha
Gajraula
Pilani
Itanagar
RAJASTHANNeem-ka-Thana Kosi Kalan Shrinagar-Hathras
BHUTAN
Gangtok
Sibsagar
Merta City
Barabanki
Dayalbagh
Nagaur
Alwar Agra (2)
Jodhpur
Jorhat
Firozabad
Gorakhpur
Jaipur
(3)
Bilara
Balotra
Dausa
Siliguri
Tezpur
Kanpur (2) Lucknow
ASSAM
Nasirabad
Guwahati (3)
Barmer Jalore
Niwai Gwalior
NAGALAND
Deogarh
Bhilwara
Varanasi
UTTAR
PRADESH
BIHAR
Bhinmal Rajsamand
Dimapur
Kunda
Deoli Jhansi
Shillong
Shahapura
Abu Road
Patna
Allahabad
Sumerpur Chittaurgarh
Deesa Nathdwara
MEGHALAYA Silchar
Kota
Dhanbad
Imphal
Unjha Udaipur
MANIPUR
Jhalawar Vidisha
Vijapur
BANGLADESH
Gandhinagar
Nidharad
Gandhidham
Chas Bokaro
Banswara
GUJARAT
Raisen
Agartala
Sehore
Adalaj
JHARKHAND Asansol
Bodakdev
Bhopal (2)
TRIPURA
Aizawl
Ahmedabad (6)
Bardhaman
Jamnagar Sanand
Ranchi
Kalyani
WEST
Ujjain
Dewas Mandideep Jabalpur
Durgapur
Rajkot (2) Bavla Rupal Halol
Howrah
MIZORAM
Itarsi Pipariya
Adityapur
Baroda
(3)
Indore
(2)
BENGAL
Vallabh Vidya Nagar
Dwarka
Kolkata (7)
DharMADHYA PRADESH
Bodeli
Jamshedpur
Anand Vadsala
CHHATTISGARH
Seoni Malwa
Vadaj
Dahej Bharuch
Chhindwara
Bhavnagar
Bilaspur
Kharagpur Bidhan Nagar
Ankaleshwar
Betul
Sendhwa
Rourkela
Surat (3)
Balda
Bhilai
Sachin
Bardoli
Nagpur (2)
Chikli
Jalgaon
Raipur
Vapi
Mumbai Metropolitan Daman
Buti Bori
Umred
Silvassa Ozar
ORISSA Bhubaneswar
Region (59)
Nasik(2) Deolali Yeola
MAHARASHTRA
Waluj
Greater Mumbai - Andheri (E),
Ghoti
Sinnar Aurangabad
Puri
Andheri (W), Badlapur, Bandra(2),
Kandli
Ahmadnagar
Bhiwandi, Boisar, Borivili, Cadel
Khed
Road, Charni Rd., Chembur (2),
Mumbai
Talegoan
Colaba, Fort, Four Bungalows,
Pen
Chakan
Ghatkopar, Goregaon, Indiabulls
Pune (7)
Suryapet
Finance Center, Jogeshwari, Juhu ,
Aundh
Vizag
Warangal
Baramati Secunderabad
Kalyan - Dombivili, Kandivili (3),
Chiplun
Hyderabad (9)
Vizianagaram
Kanjur Marg, Kurla, Lamington
Kolhapur
Road, Malad, Marine Drive, Metro,
Shamshabad
Mira-Bhayander, Mulund, Napean
Belgaum
Vijayawada
ANDHRA
Sea Rd, Nariman Point, Pokhran
Guntur
Thane, Pali Hill, Parel, Powai,
Narasaraopet
GOA
PRADESH
Bikaner
GOA (7)
Calangute, Curchorem, Margao,
Mapusa, Panjim, Ponda, Varca
Kavaratti
Hubli - Dharwad
Tirupati
KARNATAKA
Mangalore Bangalore (11) Devanahalli
Mysore
Hosur
Thippasandra
Kannur
Salem
Kozhikode
Tirupur
Mallapuram
Coimbatore
Thrissur
Chennai (6)
Sriperumbudur
Puducherry
Port blair
Tiruchirappalli
TAMIL NADU
Kurichi
Ambur
Kochi (2)
Kottayam
KERALA
Tiruvalla
Kollam
Thiruvanantapuram
ACHIEVING
INSTITUTIONAL EXCELLENCE
ROBUST
FINANCIAL
PERFORMANCE
FINEST
HUMAN
CAPITAL
KNOWLEDGE
BANKING
WORLD-CLASS
BRANCH
INFRASTRUCTURE
SERVICE
EXCELLENCE
RESPONSIBLE
BANKING
TRUST AND
TRANSPARENCY