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Brand Ethos

YES BANK has pursued a differentiated branding strategy in line with its objective of becoming
the Best Quality Bank of the World in India. The foundation of this strategy lies in the name
"YES", which underlines the twin ethos of service and trust and the promise to deliver a truly
delightful and unprecedented Banking experience to all customers
The name YES
In the words of Rana Kapoor The reason behind naming the Bank YES BANK was my firm
belief that our Bank's differentiation begins with its service and trust mark 'YES'. 'YES'
represents our true spirit of becoming a high quality, customer centric, service driven, Indian
Bank.
Brand Vision and Mission
Vision:

To be recognized as the Finest Quality Bank of the World in India by 2020


To evolve as the Professionals Bank of India

MissionTo establish a high quality, customer centric, service driven, private Indian Bank catering
to the Future Businesses of India.The Version 2.0 launched in April 2010 aims to achieve the
following by March 2015:

Human Capital 12,750


Branch Network 900
Balance Sheet INR 150,000 cror

YES BANK Values


We take immense institutional pride in YES BANKs 10 Years of Institutional Excellence,
wherein YES BANK, Indias fourth largest private sector bank, has evolved an institutional
character as the Professionals Bank of India. Over the past 10 years, under the finest leadership
of our Managing Director & CEO, Mr. Rana Kapoor, YES BANKers have created one of the
biggest organizational success stories, with consistent and robust Financial Performance, a truly
differentiated business model and one of the finest branch banking networks in the world.
Since inception in 2004, YES BANK has created a paradigm in Indian Banking through Design
Innovation & Excellence. YES BANKers throughout the organization have fostered an
entrepreneurial culture which has stimulated creativity, thereby enabling the Bank to deliver
superior, customer centric financial products and services to our valued clients. We are fully
committed to achieve together our uncompromising Vision of becoming The Best Quality
Bank of the World in India by 2020.
It is each employees personal commitment to the Banks Values that will enable us to fulfill our
Commitment to Stakeholders. At YES BANK, we strongly believe in our Values and strive to

uphold them in order to further reinforce the spirit of Professional Entrepreneurship &
Execution. YES! We believe in
Integrity: We strive to maintain the highest standards while dealing with all our stakeholders
Pride: We take pride in YES BANKs accomplishments
Credibility: We ensure stakeholders faith in us at all times ensuring ethical and transparent
actions, while upholding and safeguarding YES BANKs Code of Conduct
Respect: We respect our stakeholders & create value through sustainable relationships
Ownership: We take ownership of contributing to YES BANKs Success and keep our Vision &
Values at the forefront of decision making
Innovation: We set high standards of professional excellence by encouraging innovative ideas
and solutions
Agility & Speed: Our Agility & Speed of Execution sets the pace for achievement and success in
all our endeavors
Professionalism: We develop and enable our Human Capital by evolving our Institutional
Character as the Professionals Bank of India keeping open channels of communication while
nurturing and developing teams
Brand Pillars
The YES BANK brand is built around 5 Key Brand Pillars, which epitomize the growing
strengths of the Bank. All communication and advertising has been created around these key
brand pillars.

Growth: YES BANK's core promise is growth for its internal and external stakeholders
symbolized in Say YES to Growth!
Trust: YES BANK's Promoters, Investors, and Top Management team are all of the
highest pedigree with a demonstrated track record, thus inspiring and establishing a Trust
Mark Say YES to Trust!
Human Capital: YES BANK has adopted a knowledge-driven, entrepreneurial
management approach and offers financial solutions beyond the traditional realm of
banking. YES BANK's top quality Human Capital represents the finest talent in Indian
banking, chosen from India and abroad
Technology: YES BANK is establishing the highest standards in customer service by
adopting cutting-edge, innovative Technology. The only thing constant about technology
used at YES BANK is Evolution
Transparency & Responsible Banking : YES BANK considers Transparency and
Accountability to be of utmost importance. YES BANK has established one of the most
stringent Corporate Governance norms, and is committed to Responsible Banking by
focusing on Sustainability and Social Responsibility

YES Money Plant


The money plant, Scindapsus Aureus, derives its name from the Roman word Aureus which
means 'gold coin '. It is believed that the money plant brings wealth and happiness, and is most
effective when shared with others.
YES BANK has been conceived in much the same spirit. We believe in adopting a focused,
knowledge-based approach to establish long-term partnerships; thereby enabling us to 'create and
share value' that extends beyond the traditional realm of banking.
A perennial climber, the money plant is characterized by growth. At YES BANK, it is our
constant endeavor to partner the growth of our clients, while they gain from our expertise. Since
its inception in 2004, YES BANK has sent over 400,000 money plants to our valued customers
across India

Corporate Banking and Institutional Banking Services


At YES BANK, we understand the financial needs of Large Corporates, in their ambitious
growth plans towards building globally competitive firms. The Corporate & Institutional
Banking (C&IB) division at YES BANK provides Knowledge driven banking solutions to Large
Corporates and Leading Indian Business Groups with a turnover of over INR 1,000 crores.
YES BANK follows a "MONEY DOCTOR" approach towards providing diagnostic and
prescriptive solutions, by evaluating specific financial needs, and providing tailor-made solutions
to our valuable clients. Since inception in 2004, the C&IB team at YES BANK has built robust
relationships with over 500 Large Corporates, offering a full range of client focused Corporate
Banking services including:

Working Capital Finance


Specialized Corporate Finance
Trade Finance Solutions
Cash Management Solutions
Vendor & Channel Financing
Treasury Risk Management Services
Debt Capital Market Offering
Liquidity Management Solutions
Investment Banking Solutions

All product offerings are suitably structured, after in-depth research and assessment, taking into
account the client's risk profile and specific needs, and maintaining highest credit quality. We are
committed to providing innovative financial solutions by leveraging on superior product
delivery, knowledge-based advisory, state-of-the-art Technology platform and a strong client
orientation.

Emerging Corporates Banking


By continuously evolving sector-specific products and services, YES BANK paves the path for a
sustained future for emerging corporates. The Bank understands the financial needs of growthfocused, fast-paced enterprises that are emerging as leaders in their respective industry domains,
through YES BANK's Knowledge Banking approach, and the objective of being the Bank for
'Future Industries of India'. YES BANK has institutionalized Emerging Corporates Banking
(ECB) dedicated to serve this specialized segment of companies with a turnover between INR
100 crores and INR 1000 crores, and provide a strong backbone as Partners to clients throughout
their lifecycle, and be a key strategic value driver. Putting the "Knowledge Banking" approach
into practice ECB teams are aligned according to the knowledge sectors to help to deliver
knowledge driven financial solutions to the clients, as well as to position ECB's expertise
externally.
ECB's focus segments include key emerging sectors like Life sciences, Gems & Jewelry, Power
components, Education, Auto & Auto Ancillaries, Food & Agri, Engineering, Trading, Media &
Entertainment, Electricals & Electronics, Chemicals, IT/ITES, Metals & Minerals, Textiles &
Professional Services etc., thereby laying the foundation of long-term growth. ECB's
Relationship Managers aim to deliver the highest standards of service to their customers by
following a 'Money Doctor' approach of diagnostic and prescriptive solutions, through careful
evaluation of client-specific financial needs and providing tailor-made solutions to them. These
include structured products based on the customer's risk profile and growth requirements as well
as general banking products and services like Working Capital, Term Funding, Liabilities,
Investments, Insurance, Trade Finance and Treasury amongst others.
ECB's clients are in the high octane phase, laying foundation for their long term growth, and
delivering financial solutions customized to the lifecycle needs of the clients has been
instrumental in influencing the transformation of a number of ECB's customers. This 'lifecycle
banking' approach has been instrumental in influencing sustainable growth and transformation of
a large number of the Bank's customers, resulting in strong customer loyalty and a mutually
enriching experience.

Banking Services for the Indian Government


In our quest to partner with Government of India's commitment to progress and
development, YES BANK has institutionalized a specialized Government Relationship
Management (GRM) group to cater to the banking and advisory requirements of the Central
Government, State Governments, Central & State Public Sector Undertakings, Boards and other
affiliates. YES BANK remains committed to serving this specialized segment and has adopted
the Knowledge Banking Approach to deliver innovative, structured and comprehensive
solutions. This is facilitated through YES BANK's Technology leadership - delivering proven,
easy to use solutions for Government undertakings and agencies. We have accomplished several
landmark transactions in this space with Maharatnas, Navratnas, Mini Ratnas and other Apex
Institutions.

Since inception in 2004, the GRM group has developed robust relationships with over 300
entities across the country. The GRM group is committed to the core values of client orientation,
innovation and a superior service experience that exemplifies all businesses at YES BANK.

Indian Financial Institutions (IFI)


YES BANK believes in creating enhanced value for its stakeholders, customers, employees and
communities through professional partnerships.
The Indian Financial Institutions (IFI) team at YES BANK spearheads relationship development
with various Banks and Financial Institutions nationally. This is achieved by supporting product
delivery while creating and sharing industry knowledge with internal and external stakeholders.
The IFI Relationship Management experts offer an array of services to the following set of
clients:
1. Domestic Banks (Govt. owned, Private and Co-operatives)
2. Mutual Funds
3. Insurance Companies
4. Non-Banking Finance Companies (NBFCs)
5. Housing Finance Companies (HFCs)
6. Private Equity Funds
7. Brokers (both Capital market and Commodity market)
The IFI team leverages its existing relationships with various Banks and Financial Institutions to
raise resources, and to get counter-party limits for the Bank. Additionally, IFI offers a wide
variety of products including Debt, Trade Finance, Guarantees, Treasury Services, Working
Capital Finance, Cash Management & Transactional Services and Liquidity Management
Solutions to the Bank's customers by entering into partnerships with other Banks and Financial
Institutions. This relationship with other Banks and Financial Institutions is also leveraged for
syndication of loans for the Bank's Corporate and Commercial Banking customers, and to raise
resources through refinancing the Bank's loan portfolios. The IFI team leads the Bank's efforts
towards raising debt capital in the form of Hybrid Tier I and Tier II bonds from various Indian
institutions. YES BANK provides capital market specific solutions, thereby facilitating a
superior experience for the brokers customers.
In 2010, YES BANK has entered into a partnership with India Infoline whereby the technology
platforms of YES BANK and India Infoline have been integrated to offer customers a seamless
online trading experience.

Additionally, the Bank in association with other business groups successfully raised INR 560
crores of Lower Tier II Capital in September 2009 and January 2010, and INR 82 crores of
Hybrid Tier I (Perpetual Debt) Capital in February 2010 from pedigree investors like LIC, GIC
and IFCI. YES BANK also raised INR 93 crores of 15 years Upper Tier II Capital with a call
option with the Bank at the end of 10 years, from PROPARCO in France.
Banking Solutions for Multi-National Companies (MNC)
At YES BANK, we understand the financial needs of Multi National Companies, in their plans
to increase their footprint in the Indian market. The Multi National Companies (MNC)
Relationship Management group has been institutionalized within YES BANK to provide
Knowledge Driven Banking solutions to MNCs present in India and those aspiring to enter India.
Our differentiated approach through Dedicated Knowledge Banking teams, Indian Market
Expertise, World Class Banking solutions and Service Excellence, positions us favourably to
become the "Preferred HOST COUNTRY BANK for MNCs"

Transaction Banking Group


The Transaction Banking Group at YES BANK is a core product group focused on
the"Financial Supply Chain Management" of corporates and broadly consists of three
specialized domains namely- Cash Management Services; Trade Finance & Services and Capital
Market Services. Cash Management Services offer value-added solutions for Working Capital
Management of the corporate aimed at streamlining the domestic business flows by optimizing
the payables and receivables cycles and providing superior liquidity management options.
The Trade Finance & Services is aimed at addressing the trade related requirements, both on
the domestic and international front, covering Import and Export services and the underlying
financing structures like Buyers & Supplier's Credit, Packing Credit, Pre-Shipment and PostShipment Credit. The Capital Markets domain provides 'Bankers to Issue' services for IPO's
Rights Issues and QIP's; Interest/Dividend Payouts and Escrow Account Services. The
Transaction Banking Group has successfully developed and implemented unique & customized
product propositions for specific industry verticals, at times playing a pioneering role in the
market.
YES BANK has expanded the scope of customer service from transaction execution to
information facilitation, serving the core objective of optimum management of all operational,
administrative and regulatory activities.
To fulfill this promise, YES BANK has integrated and upgraded its product suite to offer a
composite package - powered with a highly efficient Transaction Banking desk, a continuously
expanding product suite, deep rooted knowledge on key industry verticals, strong delivery
channels and superior services, thereby exceeding the expectations of our corporate customers
with unmatched credibility

Cash Management Services


In today's highly competitive marketplace, efficient management of working capital is important
for the well-being of a corporate. The two major aspects of a corporate's working capital are
Accounts Receivables and Accounts Payables. Our perfect blend of technology and banking
expertise helps us build efficiencies into our customer's business cycle through our highly
commended Receivables Management and Payables Management solutions. Management of
working capital is very essential for a corporate in order to achieve sustainable business model.
Working capital, the difference between a corporates current assets and current liabilities, is
required to support the day-to-day financial operations. Our Cash Management Service aims to
streamline the domestic supply chain business flows of the corporate by optimizing the payments
and collections cycle and by providing superior liquidity management options.
At YES BANK, we provide structured and customized solutions to manage the operational,
administrative and regulatory activities of a corporate in a coordinated and efficient manner. Our
in-depth understanding of the business enables us to partner in the growth of our customers.
Benefits To Customers
It has been our constant endeavour to offer cutting-edge solutions thus benefiting our customers
on various fronts including:

Enhanced Liquidity Liquidity for the corporate is enhanced by reduction in the Day
Sales Outstanding (DSO)
Reduced Commercial/settlement risk Risk associated with the transactions are greatly
reduced by providing timely and accurate information
Administrative Ease The load for the corporate administration is drastically brought
down by outsourcing of the payables and receivables processes.
Improved returns Optimal returns on surplus funds are ensured by providing liquidity
and investment services.
Superior Cash Projections Better reconciliation of accounts backed by customized MIS
is offered which leads to better cash flow projections

Capital Markets and Escrow Account Services for Small and Medium
Enterprises
The Capital Markets & Escrow Account Services under the Transaction Banking product suite
caters to the specialized banking requirements of corporate with regard to Equity/Debt
mobilization, Dividend / Interest Payout Management and Cash/Collateral Escrow Management.
This product domain with its advanced operational capabilities and customized straight through
technology platform ensures superior customer satisfaction in the underlying transactions. This
highly specialized team comprising of domain experts is instrumental in ensuring faster
turnaround times, seamless transaction execution, strong relationships with capital market
constituents and impeccable record of regulatory compliance. The special services under the
Capital Markets & Escrow Account Services domain include:

Trade Finance & Services


YES BANK, Indias fifth largest private sector Bank, is one of the leaders in providing
innovative and structured Trade Finance solutions aimed at streamlining your international trade
flows, reduce risks associated with cross border trade, improve cash flows and achieve
processing efficiencies.
With investments in technology and experienced professionals, YES BANK has built capabilities
which are amongst the best in the industry. We strive to ensure that you receive timely, informed
Trade Advisory Services on foreign exchange markets and opportunities.
From Procurement to Realization Addresses all requirements of your business

Specialized offerings for Transactional Convenience

Dedicated Trade team of experienced business leaders to facilitate transactions,


customized structuring & Trade advisory
Trade with us ease across continents with 800+ active correspondent banking
relationships
Dedicated Trade desk at designated YES BANK branches.
Enhanced information management through customized mailers, reports and MIS
Real-time debit & credit advices on Trade transactions to your email Inbox.
Trade Alerts, MIS on outstanding, bill maturity etc., delivered to you by email.
Auto-email of SWIFT transmitted copies to your email Inbox.
Instant document arrival notice delivered to you by email.
Industry benchmarked & ISO certified systems & processes to ensure quick Turnaround
times.

Financial Markets Group at YES BANK


Backed by experienced professionals, the Financial Markets Group at YES BANK offers a
competitive and comprehensive line-up of financial market products and services to its
customers. The Bank's Financial Markets (FM) business model provides effective Risk
Management solutions relating to foreign currency and interest rate exposures of clients. FM
assists clients in creating a complete understanding of risks faced by them with respect to Capital
Raising, Investments, Exports, Imports and any other market risks.
The Bank provides customized solutions to clients to hedge foreign currency and interest rate
exposures through products such as Foreign Exchange Forwards, Options and Swaps. The client
offerings are supported by professionals comprising of Economists and Research Analysts who
provide the latest analysis for generating quality Risk Management ideas and solutions.
The Bank has created a buoyant Debt Capital Markets (DCM) franchise with deep knowledge of
underlying market dynamics, coupled with strong distribution and structuring capabilities. Since
inception, the DCM group has originated and efficiently executed over 300 transactions, across
the product suite for clients including Corporates, PSUs, Central and State Government entities
and many NBFCs. YES BANK was ranked No.10 in the Thomson Financial's Top Lead
Managers of Indian Rupee Bonds for the year 2009. Further, the Bank was ranked No. 12 by
Bloomberg in the India Domestic Bonds underwriting league tables for the year 2009.
The Financial Markets Group conducts proprietary trading to maximize earnings from risk taken
across key fixed income, equities and global foreign exchange markets. Additionally, the
business is responsible for Balance Sheet Management, Liquidity Monitoring, maintenance of
Cash and Statutory Reserve requirements and day-to-day fund management of the Bank.
Subordinated and hybrid debt capital for the Bank is also raised by the Financial Markets team.
YES BANK was amongst the first to implement MUREX (MXG 2000), an integrated, crossasset platform product. Further, ICRA (Moody's affiliate in India) has reaffirmed the Bank's A1+
rating for its INR 5000 crores Certificate of Deposit program A1+ rating indicates the highest
level of safety in the short-term.
Financial Markets - Derivatives & Structured Products
Our team provides structured risk management solutions for clients looking to manage their
foreign currency and interest rate exposures. Our solutions range from basic to complex
derivative products and : Structured Products involving a combination of the above. Through a
combination of different derivatives, we also design Structured Products, enabling our clients to
manage exposures and take advantage of developments in the interest rate and currency markets.

Interest Rate Swaps (Rupee and foreign currency)


Cross Currency Swaps, including Principal Only Swaps, Coupon Only Swaps
Interest Rate Options including caps, floors, collars and digitals
Cross Currency Options

Fixed Income

Backed by experienced professionals, the Financial Markets Group at YES BANK offers a
competitive and comprehensive line-up of financial market products and services to its
customers. The Bank's Financial Markets (FM) business model provides effective Risk
Management solutions relating to foreign currency and interest rate exposures of clients. FM
assists clients in creating a complete understanding of risks faced by them with respect to Capital
Raising, Investments, Exports, Imports and any other market risks.
The Bank provides customized solutions to clients to hedge foreign currency and interest rate
exposures through products such as Foreign Exchange Forwards, Options and Swaps. The client
offerings are supported by professionals comprising of Economists and Research Analysts who
provide the latest analysis for generating quality Risk Management ideas and solutions.
The Bank has created a buoyant Debt Capital Markets (DCM) franchise with deep knowledge of
underlying market dynamics, coupled with strong distribution and structuring capabilities. Since
inception, the DCM group has originated and efficiently executed over 300 transactions, across
the product suite for clients including Corporates, PSUs, Central and State Government entities
and many NBFCs. YES BANK was ranked No.10 in the Thomson Financial's Top Lead
Managers of Indian Rupee Bonds for the year 2009. Further, the Bank was ranked No. 12 by
Bloomberg in the India Domestic Bonds underwriting league tables for the year 2009.
The Financial Markets Group conducts proprietary trading to maximize earnings from risk taken
across key fixed income, equities and global foreign exchange markets. Additionally, the
business is responsible for Balance Sheet Management, Liquidity Monitoring, maintenance of
Cash and Statutory Reserve requirements and day-to-day fund management of the Bank.
Subordinated and hybrid debt capital for the Bank is also raised by the Financial Markets team.
YES BANK was amongst the first to implement MUREX (MXG 2000), an integrated, crossasset platform product. Further, ICRA (Moody's affiliate in India) has reaffirmed the Bank's A1+
rating for its INR 5000 crores Certificate of Deposit program A1+ rating indicates the highest
level of safety in the short-term.

Fixed Income
FM ensures fulfillment of the financial needs of clients by offering solutions around fixed
income distribution, mutual fund sales, securitization and loan syndication in the domestic
market. YES BANK has the expertise and experience to develop the best solutions and execute
them with precision. Through the syndication of funds from the domestic markets, the group
assists corporate clients in their endeavour to raise funds for clients with surplus funds. The
group facilitates the selection and execution of investments in fixed income instruments,
including both SLR and non-SLR
Foreign Exchange
Backed by experienced professionals, the Financial Markets Group at YES BANK offers a
competitive and comprehensive line-up of financial market products and services to its
customers. The Bank's Financial Markets (FM) business model provides effective Risk

Management solutions relating to foreign currency and interest rate exposures of clients. FM
assists clients in creating a complete understanding of risks faced by them with respect to Capital
Raising, Investments, Exports, Imports and any other market risks.
The Bank provides customized solutions to clients to hedge foreign currency and interest rate
exposures through products such as Foreign Exchange Forwards, Options and Swaps. The client
offerings are supported by professionals comprising of Economists and Research Analysts who
provide the latest analysis for generating quality Risk Management ideas and solutions.
The Bank has created a buoyant Debt Capital Markets (DCM) franchise with deep knowledge of
underlying market dynamics, coupled with strong distribution and structuring capabilities. Since
inception, the DCM group has originated and efficiently executed over 300 transactions, across
the product suite for clients including Corporates, PSUs, Central and State Government entities
and many NBFCs. YES BANK was ranked No.10 in the Thomson Financial's Top Lead
Managers of Indian Rupee Bonds for the year 2009. Further, the Bank was ranked No. 12 by
Bloomberg in the India Domestic Bonds underwriting league tables for the year 2009.
The Financial Markets Group conducts proprietary trading to maximize earnings from risk taken
across key fixed income, equities and global foreign exchange markets. Additionally, the
business is responsible for Balance Sheet Management, Liquidity Monitoring, maintenance of
Cash and Statutory Reserve requirements and day-to-day fund management of the Bank.
Subordinated and hybrid debt capital for the Bank is also raised by the Financial Markets team.
YES BANK was amongst the first to implement MUREX (MXG 2000), an integrated, crossasset platform product. Further, ICRA (Moody's affiliate in India) has reaffirmed the Bank's A1+
rating for its INR 5000 crores Certificate of Deposit program A1+ rating indicates the highest
level of safety in the short-term.
Foreign Exchange
The highly experienced and dedicated team of FM provides comprehensive services to meet our
clients' foreign exchange needs. In order to help our customers to effectively conduct
transactions and manage risks in the global markets, the team has dedicated sales personnel who
focus on providing in depth insights and timely advice on various currencies and markets.
We offer spot and forward foreign exchange for hedging receivables and payables.

Spot (INR and Non-INR denominated)


Forwards (INR and Non-INR denominated)

Liquidity & Balance Sheet Management


Backed by experienced professionals, the Financial Markets Group at YES BANK offers a
competitive and comprehensive line-up of financial market products and services to its
customers. The Bank's Financial Markets (FM) business model provides effective Risk
Management solutions relating to foreign currency and interest rate exposures of clients. FM
assists clients in creating a complete understanding of risks faced by them with respect to Capital
Raising, Investments, Exports, Imports and any other market risks.

The Bank provides customized solutions to clients to hedge foreign currency and interest rate
exposures through products such as Foreign Exchange Forwards, Options and Swaps. The client
offerings are supported by professionals comprising of Economists and Research Analysts who
provide the latest analysis for generating quality Risk Management ideas and solutions.
The Bank has created a buoyant Debt Capital Markets (DCM) franchise with deep knowledge of
underlying market dynamics, coupled with strong distribution and structuring capabilities. Since
inception, the DCM group has originated and efficiently executed over 300 transactions, across
the product suite for clients including Corporates, PSUs, Central and State Government entities
and many NBFCs. YES BANK was ranked No.10 in the Thomson Financial's Top Lead
Managers of Indian Rupee Bonds for the year 2009. Further, the Bank was ranked No. 12 by
Bloomberg in the India Domestic Bonds underwriting league tables for the year 2009.
The Financial Markets Group conducts proprietary trading to maximize earnings from risk taken
across key fixed income, equities and global foreign exchange markets. Additionally, the
business is responsible for Balance Sheet Management, Liquidity Monitoring, maintenance of
Cash and Statutory Reserve requirements and day-to-day fund management of the Bank.
Subordinated and hybrid debt capital for the Bank is also raised by the Financial Markets team.
YES BANK was amongst the first to implement MUREX (MXG 2000), an integrated, crossasset platform product. Further, ICRA (Moody's affiliate in India) has reaffirmed the Bank's A1+
rating for its INR 5000 crores Certificate of Deposit program A1+ rating indicates the highest
level of safety in the short-term.
Liquidity & Balance Sheet Management
The FM Commodity Risk Management Advisory Services supports our clients business by
helping them in developing robust commodity risk management frameworks which enable
managing the increasing volatility in the underlying commodity much more efficiently. The key
objective of this program is to create an enabling environment and minimize shocks of the price
volatility, so as to let the customer focus on the core business activity and optimize overall
realization.
Online Forex Solutions
Backed by experienced professionals, the Financial Markets Group at YES BANK offers a
competitive and comprehensive line-up of financial market products and services to its
customers. The Bank's Financial Markets (FM) business model provides effective Risk
Management solutions relating to foreign currency and interest rate exposures of clients. FM
assists clients in creating a complete understanding of risks faced by them with respect to Capital
Raising, Investments, Exports, Imports and any other market risks.
The Bank provides customized solutions to clients to hedge foreign currency and interest rate
exposures through products such as Foreign Exchange Forwards, Options and Swaps. The client
offerings are supported by professionals comprising of Economists and Research Analysts who
provide the latest analysis for generating quality Risk Management ideas and solutions.
The Bank has created a buoyant Debt Capital Markets (DCM) franchise with deep knowledge of
underlying market dynamics, coupled with strong distribution and structuring capabilities. Since

inception, the DCM group has originated and efficiently executed over 300 transactions, across
the product suite for clients including Corporates, PSUs, Central and State Government entities
and many NBFCs. YES BANK was ranked No.10 in the Thomson Financial's Top Lead
Managers of Indian Rupee Bonds for the year 2009. Further, the Bank was ranked No. 12 by
Bloomberg in the India Domestic Bonds underwriting league tables for the year 2009.
The Financial Markets Group conducts proprietary trading to maximize earnings from risk taken
across key fixed income, equities and global foreign exchange markets. Additionally, the
business is responsible for Balance Sheet Management, Liquidity Monitoring, maintenance of
Cash and Statutory Reserve requirements and day-to-day fund management of the Bank.
Subordinated and hybrid debt capital for the Bank is also raised by the Financial Markets team.
YES BANK was amongst the first to implement MUREX (MXG 2000), an integrated, crossasset platform product. Further, ICRA (Moody's affiliate in India) has reaffirmed the Bank's A1+
rating for its INR 5000 crores Certificate of Deposit program A1+ rating indicates the highest
level of safety in the short-term.
Online Forex Solutions
We, at Yes Bank, have introduced On-line Forex Trading Services for privileged customers to
make Forex transactions more profitable and convenient. This user-friendly Forex Trading
Service gives you the freedom to trade in various currencies directly, at the click of a button. Our
experienced team of Forex experts will provide timely inputs to maximize your returns on every
Forex transaction made. Add to it the technical wizardry of our proprietary trading platform that
ensures you real time transactions with superior security levels to maintain user confidentiality.
With this state-of-the-art service you can do everything right from tracking real time trading rates
of all major currencies, booking and cancelling deals online, viewing your deal history and even
chatting with a trader on-line.

Corporate Finance Services


Our Corporate Finance team offers our Corporate, Institutional Business Banking clients a
combination of advisory services and customized structured products to meet their specialized
requirements.We offer a wide range of Corporate Finance solutions to the following categories of
clients:

Local Corporates

Multinational Companies

Financial Institutions

Public Sector Undertakings


We, at YES BANK, believe we have substantial "knowledge arbitrage", which enables our
clients to obtain superior financial returns in a risk mitigated manner. Each member of our
Corporate Finance team brings with him a wealth of experience across transaction varieties and
sectors, and enjoys strong, established relationships with both corporates and financial
institutions.

Corporate Finance - Product and ServiceOur range of products and services fall under the
following three broad categories:Infrastructure Banking Unit (IBU):This unit provides a full
range of advisory and credit linked products to clients with a special focus on the infrastructure
sector. We meet the financing needs of clients operating in the Power, Telecom, Mining, Oil &
Gas, Transportation and Wind Energy segments. We assist our clients to obtain funding for
projects and also offer end-to-end advisory services from the planning stage to financial
closure.Structured & Project Finance Unit (SP&F):The SP&F unit offers structured and project
finance expertise to non-infrastructure clients. The areas of specialization include:

a. Securitization- We provide solutions that offer companies access to strategic sources


of funding by converting assets with probable and predictable cash flows into a source of
capital. This alters the risk profile of the corporate, provides the necessary liquidity and
offers investors an opportunity to gain higher yields while taking acceptable risks.

b. Structured Liability Products- The SP&F Group, in conjunction with the


DebtCapital Markets Group, offers liability products to a range of financial and retail clients
in packaging, structuring and placing ABS, MBS, CLOs and CDOs to generate cost-efficient
liabilities for our clients.

c. Debt Syndication- We provide debt solutions from local and international markets to
both private and public sector institutions. Our strong relations with Borrowers, other banks
and Institutional investors help our clients to fulfill their desired financing requirements.

d. Leverage Finance- This encompasses the origination, structuring,underwriting and


participation through Funding in Leveraged Finance transactions, including leveraged BuyOuts, Take-overs and General Acquisition Finance.

e. Asset & Tax based structures- Comprehensive solutions to provide tax benefits,
finance for physical assets and advisory services for leases.
Financial Restructuring Unit (FRU): This Unit provides specialized advisory services on
financial restructuring, with expertise in the area of stressed assets. We offer our clients expert
advice and creative product solutions to overcome balance sheet and financing constraints. The
team also assists financially distressed companies in the creation and implementation of
comprehensive financial restructuring packages.

Infrastructure Banking & Project Finance


Driven by strong credit appraisal skills, knowledge based approach and experienced human
capital, this team has created an identity in the infrastructure financing space. The IBPF team has
deep understanding of the international best practices in infrastructure finance, due diligence and
project structuring skills. The knowledge banking managers have proven project financing
capabilities in several infrastructure sectors:

Power

Transportation

Telecom

Urban Infrastructure

The team had several marquee transactions to its credit, with some of the best names in the
industry.

Structured Finance
The team leverages its strong regulatory and legal understanding to structure complex
transactions, thus assisting clients in obtaining superior financial returns in a risk mitigated
manner due to substantial knowledge arbitrage over the market. Landmark transactions in current
financial year - Providing Microfinance Institutions (MFIs) access to the debit capital
market (First such transaction in the Microfinance Industry)

Discounting of rental receivables


Securitization transaction
Agriculture loan pool buyouts
Microfinance loan pool buyouts

Realty Banking
The team provides advisory and funding services like project conceptualization and structuring,
JV partner identification, and raising/arranging financing in the commercial and residential real
estate sectors across diverse geographies and Special Economic Zones. The team has
successfully completed several transactions involving some of the best names in the industry
since inception.
Advisory & Syndications The team provides comprehensive syndication services to clients of
YES BANK. With its proven domestic and international banking credentials, the team caters to
all the financing requirements of corporate as well as specialized financing for acquisitions, asset
purchases, sell downs and leveraged buyouts. YES BANK was ranked No. 21 in the Syndicated
Loan Ranking (India) and No. 7 in the Syndicated Loan Ranking - Indian Rupee Loans by
Thomson Reuters.

Project Equity The Private Equity team is furthering YES BANK's focus by developing
specialist funds that will leverage the domain expertise that YES BANK has built over the years.
Currently, it is 'co-sponsoring' the South Asia Clean Energy Fund (SACEF) in collaboration with
Global Environment Fund, USA (GEF).SACEF is a USD 200 million fund targeting investments
in clean energy, clean technology and energy efficiency across India, Sri Lanka, Nepal,
Bangladesh.
YES BANK's Investment Banking

YES BANK's Investment Banking group is involved in the identification, structuring and
execution of transactions for its clients in diverse industries and geographies. Some of the typical
transactions include mergers & acquisitions, divestitures, private equity syndication and IPO
advisory.
At YES BANK, we seek to provide our clients with the widest possible range of opportunities
including the Management of Equity, Capital Restructures of Advisory and Equity Capital
transactions. We also offer a range of merchant banking and equity placement services.
Our unique knowledge based approach to banking enables us to provide a range of services
designed to meet our clients' specific needs, thereby ensuring that we consistently deliver high
quality advice and service to all our clients. This customer-centric approach allows us to offer a
high level of customization for our clients, making us their Preferred Partners.

The YES Advantage


Our Key Strengths

Excellent track record:


o
Our core Investment Banking team has built an excellent track record in our focus
sectors. Their product knowledge is complemented with a superior understanding of the
sector, which not only facilitates the origination of business but also ensures effective
delivery.
o
Our services are characterized by:

Proactive generation of ideas

Value-added, senior level involvement

High quality and efficient service

Trusted knowledge-based advice

An innovative, result-oriented approach that helps in origination,


successful execution and retention of our clients
Credibility with Financial Investors: Our team has assiduously built credibility with
most of the large and active private equity investors in the country. These relationships
provide the team with early and prompt feedback on the prospects of a transaction, resulting
in quicker turnaround times for our clients.
Relationships with legal and tax firms: We have also developed outstanding
relationships with the top legal and tax firms in the country, helping us to provide valueadded advice to our clients. An intricate knowledge of the strengths of various legal and tax
firms with regard to various product offerings results in judicious selection of partners for
deal execution. This results in smoother closure of the transaction and also enhances the
transaction benefits for our clients.
Cross Border Relationships: We are in the process of building strategic alliances with
boutique investment firms based in Asia, Europe and the U.S. These relationships will be
driven either by sectoral expertise or the strong geographic presence that these firms may
have built over time. With India becoming one of the important investment destinations for

both corporates and investors, and Indian companies' increasing focus on the global markets,
particularly in the automotive and healthcare industries, the potential for cross border
transactions has increased manifold. To date, our Investment Banking team has successfully
completed thirty three transactions comprising M&A, private equity and capital
market transactions across a wide range of sectors such as Engineering, Food&Agri
Business, Financial Services, Pharmaceuticals, Textiles, Technology, Auto Components and
Real Estate.
Products And Services
At YES BANK, we provide our customers with knowledge-driven, industry-specific solutions
that are customized to best suit their business needs. As a result, we have identified certain
sunrise sectors with high growth potential. Our dedicated teams of Bankers for each of these
segments are also industry experts who offer in-depth and invaluable insights into your business.
Some of our key focus sectors include Food & Agri-business, Life Sciences & Biotechnology,
Telecommunications and Information Technology.
We look to develop a long-term advisory and banking relationship to provide the entire gamut of
services to these clients. Therefore, we offer our clients customized products at various points in
their business life cycles.
Private Equity Mergers and Equity Capital Restructuring
Brokerage
Fund Rising Acquisitions
Markets
& Privatisation
Service
Food and
Venture and
Sell and buy IPO Advisory Capital
Institutional
Agribusiness
growth capital side advisory Services
Restructuring Placements
Structured
investment
Life Sciences &
convertible
Biotechnology
products
Telecom
Information
Technology

Joint Venture

Open
offer Advisory
Creeping
/
advisory
Services
on Acquisitions
Cross border
Structured
strategic and Right
Issue
Auction
financial
Advisory
Transactions
Mezzanine
advisory
Private
Financings
Distressed debt
Inbound
Placements
and
equity
Buyout
by Investment
layouts
Share
Buy
financial
Advice
Backs
sponsors

Global Access
In order to cater to the increasing business presence of MNCs in India and the growing overseas
ventures by Indian corporates, we provide cross border Financial Advisory services. Our cross
border and joint venture advisory products are facilitated by our existing and growing strategic
alliances with niche boutique investment banks. These Banks have the local network and the
relationships to successfully originate and execute cross border advisory transactions.

We, at YES BANK, have already achieved our first success in providing cross border advisory
services. We played a key role in assisting a large Indian textile company, based in Southern
India, to acquire a niche dyeing unit in Italy.
Product Suite
Our Investment Banking group offers the following range of products to our clients:

Private Equity Syndication :


o
Raising venture and growth capital
o
Structured investment/convertible products
o
Mezzanine Financings
o
Buyouts by financial sponsors
Financial Advisory:
o
Comprises of advisory assignments with respect to:
o
Mergers and acquisitions
o
Divestitures
o
Joint ventures
o
Spin-offs
Equity Capital Markets:
o
Comprises of advisory assignments with respect to:
o
IPOs
o
Open offers
o
Rights issues
o
Private placements
o
Share buy backs
Restructuring & Privatizations:
o
Includes advisory on:
o
Capital restructuring
o
Distressed debt
o
Equity buy outs
Brokerage Services:
o
Comprises of secondary placement of equity with institutions

International Banking
YES-International Banking provides clients with solution-oriented offerings for their domestic
and international banking requirements and partners with correspondent banks to service their
business needs in India.
YES-International Banking offers a complete suite of products including:

Funded products such as Working Capital/Term Loans backed by SBLC


Non Funded products such as Bank Guarantees and Documentary Letters of Credit
Cash Management Payments Services

Inward & Outward Remittances of foreign currencies


Financial Market products such as Derivatives, Forex & Hedging

YES-International Banking team caters to a diverse set of customers including


foreign banks with or without presence in India, Multilateral Agencies, NBFCs registered in
India and backed by foreign entities, Authorised Dealers and Exchange Houses, India focused
Private Equity fund houses and other financial institutions.
YES-International Banking also offers a unique suite of advisory services to international
corporations keen to either expand or enter the Indian market, under the aegis of a dedicated
India Business Facilitation Desk (IBFD).
International Banks & NBFCs
With extensive reach spanning across continents, YES - International Banking has 500+ active
correspondent banking relationships.
YES - International Banking offers partnering banks a complete range of solutions in Trade
Finance, Cash Management Services, Financial Market products and INR account services
amongst others.
Debt products including Term Loan & WC Loan for NBFCs owned by foreign entities

Boutique Investment Houses


YES - Investment Banking (IB) group is involved in the identification, structuring and execution
of transactions for clients in diverse industries and geographies. Some of the typical transactions
include mergers & acquisitions, divestitures, private equity syndication and IPO advisory. At
YES BANK we seek to provide our clients with the widest possible range of opportunities
including the Management of Equity, Advisory of Capital Restructures and Equity Capital
transactions. We also offer a range of merchant banking and equity placement services. Our
unique knowledge based approach to banking enables us to provide a range of services designed
to meet our clients' specific needs; thereby ensuring that we consistently deliver high quality
advice and service to all our clients. Accordingly, YES - International Banking as a relationship
team would be keen to explore a partnership with advisory firms to tap Investment Banking
opportunities across the globe. YES BANK has a strong cross border practice which works on a
partnering structure with international banks. YES BANK has developed an informal network of
international banks and works very actively with them starting from showcasing the
opportunities to jointly running the mandate.

Exchange Houses
YES- Inward Remittances

Our Exchange House partners in the Gulf Cooperative Council (GCC) countries, Hong Kong,
and Singapore remit their Non Resident Indian (NRI) customer's monies to beneficiaries in India
using our Inward Remittances product.
The Bank uses pioneering State Through Processing on NEFT and RTGS platforms to enable
credit to beneficiaries in all major banks across 68,000 branches in the country. Our superior
technology, centralized processes and dedicated Relationship Managers ensure credit to our
partner's beneficiaries in 1 business day.
Some of our clients include:
UAE

UAE Exchange LLC

Al Ansari Exchange Company

Al Ghurair Exchange

Al Falah Exchange

Al Fuad Exchange

Sharaf Exchange Company LLC

Al Ahalia Money Exchange Bureau


Kuwait

Kuwait India International Exchange Company


Qatar

Al Dar For Exchange Works


Oman

Modern Exchange

Oman & UAE Exchange


Australia

Foreign Exchange Central Pty Ltd


Authorised Dealers
YES - International Banking offers Outward Remittance services to Authorised Dealers
(Category I and Category II) to facilitate overseas remittance payments

Our Outward Remittance product comprises of Foreign Currency (FCY) Drafts (DD's)
and Swift, or Telegraphic Transfers (TT's)
FCY DD's are available in US Dollars (USD), Canadian Dollars (CAD), Euros (EUR),
Great Britain Pounds (GBP), Australian Dollars (AUD), New Zealand Dollars (NZD), and
Singapore Dollars (SGD); and are stocked in branches across the country
Swift transfers (TT's) are available for our Authorised Dealer (I/II) clients in all major
currencies
With centralized operations, our clients need to open just 1 account through which they
can request for FCY DD and TT's for any of their branches across the nation
We have further streamlined our process by having clients send us DD and TT requests in
standardized formats through secure electronic channels, resulting in industry leading turn
around times for handing over FCY Drafts

YES BANK offers competitive treasury rates and low transaction fees to help maximize our
client's business efficiency and market standing.
India Business Facilitation Desk
India Business Facilitation Desk Your Partner in India YES - International Banking India has
been at the forefront of the global business landscape, firmly on the road to an economic Super
Power status. Having benefited from largely from the policies of economic liberalization and
globalization, today India offers foreign investors a opportunistic and transparent business
environment that guarantees growth and security of long-term investments. However, the
complex decision-making process involved in undertaking foreign operations requires an
intimate Knowledge of a country's commercial climate, along with a realization that the climate
is constantly evolving. Companies doing business in India, or planning to do so, are welladvised
to obtain current and detailed information, to facilitate Informed India decision making. This is
particularly relevant in the context of the vast expanse that the country presents, with each State
and Region having a distinct socio-economic and demographic characteristics, and therefore
requiring regional strategies, as against a one-size fits all strategy, and definitely not merely
transplanting a foreign home-country strategy, without re-validation. YES International Banking
YES BANK, India's new age private sector Bank, has adopted a Knowledge driven approach to
offering financial solutions, which go beyond the traditional realm of banking, catering to Future
Industries of India, and an Emerging India. At YES BANK, we are committed to supporting the
Sustainable Growth and development of sunrise sectors in the country, by facilitating overall
growth through strategic knowledge initiatives. YES BANK has formed a specialized
'Development and Knowledge Banking Division' focusing on key growth sectors driving the
India Growth Story. Knowledge Bankers at YES BANK are experts in their respective domains,
offering invaluable and in-depth insights that help in the development of great ideas and
nurturing them to fruition. Our Knowledge Banking approach has gained significant traction, and
is already bearing fruit in the form of significant Knowledge Partnerships and strategic thought
leadership initiatives and advisory with Governments and Industry organisations, and
Corporates. YES BANK has generated momentum in all businesses including Corporate &
Institutional Banking (C&IB), Emerging Corporates banking, Business Banking, Financial
Markets, Investment Banking, Corporate Finance, Retail Banking and Wealth Management. YES
International Banking is a dedicated division offering a complete suite of international banking
products and services, and INDIA advisory. As part of YES International Banking, YES BANK
has formalised India Business Facilitation Desk (IBFD), with the objective of providing an
overview of the investment climate, financial advisory, forms of business organisations, and
business practices. IBFD provides advisory services to corporates at every step of business
establishment on various sectors through YES BANK's Knowledge driven approach besides
providing complete Banking solutions. Advisory: Regulations and country specific frameworks:
Cultural Adaptability & Exchange: Education & Knowledge Exchange: India Entry Strategy &
mapping of the client's strengths with the requirements of the local market Forging local
partnerships and Joint ventures; Assessing A Joint Venture Partner Supply chain linkage,
facilitating import/export partnerships Sectoral advisory in Emerging/Sunrise sectors and
emerging themes. Specialized advisory in Agribusiness, Tourism, Education/ Institutions, NonProfit Sectors, Public Private Partnership, Policy & Strategy Facilitation of advisory in other
sunrise sectors through respective DKB divisions. Regional strengths and business/sectoral focus

Opportunities for Socially responsible initiatives and facilitating their partnerships/funding


relationships between international business and the voluntary sector Real estate and
infrastructure strategy. Understanding & advisory on Industrial policies of state government
Gove rnment r e lations and admini s trative structure/procedure & dealing with hurdles Recent
developments in legal, regulatory and Taxation framework. Manpower regulatory criteria &
recruitment head start Business registration and Administrative Services Linkage with local
business and trade associations Intellectual property regulations, fraud and mismanagement
precautions Cultural awareness & Sensitivity Intercultural Training & Informal/Social Gathering.
Corporate governance & ethics Business culture and local practices Partnerships between Indian
and International universities Linkages between Indian students in US/Europe and Indian
companies. Knowledge sharing and Linkages between research missions Facilitate educational
exchange Partnerships and exchange within the voluntary sector Facilitating cooperation for
product/service innovations. Other Research/ Knowledge partnership India Business Facilitation
Desk Services Macro Economic Analysis Trade & Investment opportunities: Customised Reports
and Interpretation on Indian Macro Economy, Trade Data, Index of Industrial Production,
Inflation & Banking, GDP, Balance of Payments/Currency View, Credit Policy Pre and Post
Analysis Demographic Analysis India Briefing Services Untapped investment opportunities
Highlight focus areas of specific governments/ ministries/ departments/ institutions/ policy
makers in attracting investment. Foreign Investment regulations Upcoming International/Trade
fairs, special projects Support to visiting/business delegations; Business research, economics,
Development advisory, Trade Information, Business interaction Publications, Workshops,
business exchange, Thought leadership initiatives, Public Sector Dialogue, Seminars,
Workshops, Think Tanks, YES BANK Limited Regd. & Corporate Office: Nehru Centre, 9th
Floor, Discovery Of India, Worli, Mumbai 400 018, India. Tel: +91(22) 6669 9000 Fax: +91(22)
2490 0314 Northern Regional Corporate Office: 48, Nyaya Marg, Chanakyapuri, New Delhi 110
021, India. Tel: +91(11) 6656 9000 Fax: +91(11) 4168 0144.

Banking Solutions for Multi-National Companies (MNC)


At YES BANK, we understand the financial needs of Multi National Companies, in their plans
to increase their footprint in the Indian market. The Multi National Companies (MNC)
Relationship Management group has been institutionalized within YES BANK to provide
Knowledge Driven Banking solutions to MNCs present in India and those aspiring to enter India.
Our differentiated approach through Dedicated Knowledge Banking teams, Indian Market
Expertise, World Class Banking solutions and Service Excellence, positions us favourably to
become the "Preferred HOST COUNTRY BANK for MNCs"

BRANCH BANKING
Personal Branch Banking

A key strength and differentiating feature at YES BANK is its knowledge driven approach,
which goes beyond the traditional realm of banking, and follows a diagnostic and prescriptive
approach towards superior product structuring.Our Knowledge Bankers provide you with expert
and in-depth analysis based on your financial needs and risk profile and help you grow your
savings. YES BANK clients can be assured of the most personalized service by our highly
trained and qualified professionals. The high staff to client ratio always ensures prompt service to
exceed your expectations.Indeed, at YES BANK, we look to partner the growth of our clients,
while they gain from leveraging our financial expertise, thereby enabling us to accomplish our
mission of "Creating and Sharing Value".YES BANK offers the following products for today's
discerning clientele

YES BANK Savings AccountThe YES Savings Account has been designed with the
singular purpose of helping you to grow your savings

YES BANK Smart Salary AccountYES BANK's Smart Salary Account is a power
packed zero balance Corporate Salary Account with unmatched features

YES Smart Saver AccountThe YES Smart Saver enables you to earn the high returns of
Fixed Deposits as well as enjoy the liquidity of a Savings Account

YES BANK's Fixed Deposits SchemesYES BANK Fixed Deposit Schemes offer you
greater security, higher returns and flexible deposits in order to provide you with greater
earnings and the convenience of maintaining your funds in accessible units.

YES BANK's Senior Citizen ProgramAt YES BANK we understand that Senior
Citizens have specific financial needs. We therefore offer customized and flexible banking
solutions for Senior Citizens at preferential rates and personalized service.

YES BANK - BAJAJ Allianz Jiyofit ProgrammeThe YES BANK - BAJAJ Allianz
Jiyofit Programme is a unique Health and Wellness Program designed for those who value
the importance of Healthy Living. This program looks to promote a proactive and
preventive approach towards improving one's health & fitness.

Wealth ManagementAt YES BANK, we enable you to grow your wealth at every stage
of life, by following a three-step Diagnosis-Prescription-Monitoring (DPM) process to
protect your wealth against life's uncertainties.

Branch Banking Business


At YES BANK, we take pride in ensuring that we offer you the best in class solutions for your
businesses. Our knowledge driven approach ensures that we are able to deliver the right solutions
for you, customized to your unique needs. With an expanding branch network and a dedicated
team of YES BANKers, we are committed to partner you in the growth of your business.
Our solutions for your business include:

Current Accounts:
o
Wide variety of current accounts with best in class features to suit your business
needs.
o
YES FIRST Business programme Premium Banking Services for high net worth
businesses

Trade and Foreign Exchange Services

YES FIRST Designed for a discerning few


At YES BANK, we value our relationship with you. We believe that as a discerning connoisseur
of the finer things in life, you deserve a banking experience that is truly exclusive, premium and
one that effectively complements your lifestyle and expectations.
Our YES FIRST Program is the manifestation of this very philosophy, aimed to make your
banking a delightful experience.
YES FIRST is our promise to always give you FIRST priority & to provide superlative financial
solutions and exclusive privileges, assisting you every step of the way. We are committed to
providing you with the best-in-class products and services, and tailor-made solutions to meet all
your financial needs.
YES, you come FIRST for us.

Superlative Product Proposition

Higher Savings Account Interest rate of 7% p.a.^ with no Minimum Balance requirement
Superior Interest Rates on Fixed Deposits & Recurring Deposits. No Penalty on
Premature Withdrawals of Fixed Deposits.
Exclusive YES FIRST World Debit card with access to over 80,000 ATMs across India
Complimentary Access to select Domestic airport lounges* (Click Here for the list)
Complimentary Access & golf lessons at select Golf Courses* (Click Here for the list)
No surcharge on fuel purchases at any petrol pump in India
Free and unlimited cash withdrawals at any Bank ATM in India & and at any MasterCard
ATM internationally
Enhanced cash withdrawal & purchase limit of INR 1,00,000 (Customizable)
Insurance covers on your card:
o
Lost Card Liability Protection: INR 1,00,000
o
Card Purchase Protection: INR 25,000
o
Personal Accident Insurance: INR 15,00,000
o
Air Accident Death Insurance: INR 25,00,000
Complimentary YES INVEST relationship to take care of your investments (3-in-1
Account without any account opening charges for YES FIRST clients)
Complimentary Demat Account
Doorstep Banking Complimentary and prompt cash & cheque pickup/delivery from
your home/office
Preferential rates for Foreign Exchange Services

Complimentary MONEY MONITOR One view access of your financials across


multiple institutions

^7% p.a. rate of interest applicable to balances of Rs. 3 Lakh & above. Interest rate of 6% p.a. is
applicable to balances below Rs. 3 Lakh. Rates are subject to change at the sole discretion of
YES BANK. Conditions Apply.

Exclusive Service Experience


Experienced Relationship Manager with expertise in Wealth Management and Banking
Priority Service backed by dedicated Service Managers at the Home Branch
Exclusive state-of-the-art YES FIRST Lounges at flagship branches for a luxurious
banking experience
Comprehensive Monthly Statements: Your monthly statement with complete details of
your Accounts, Fixed Deposits and Investments executed through the Bank
FIRST Insights A monthly economic overview of macro-global developments &
domestic markets, shared by our in-house experts

Wealth Management Expertise


Our team of experts follow a 4-step process to ensure achievement of your financial goals
Understand your financial goals and risk appetite
Portfolio Recommendation based on your financial goals and risk appetite
Portfolio Construction through execution of the financial plan with your agreement
Periodic review and rebalancing
Our product suite spans across
Mutual Funds
PMS & Structured Products
Alternative Investments including
Private Equity
Real Estate
Venture Capital Funds
Bonds & Debentures
Life & Non Life Insurance products (in alliance with insurance partners, Max Life
& Bajaj Allianz)
Depository Services
FIRST Insights Free monthly economic overview of macro-global developments and
domestic markets

Lifestyle Privileges

Complimentary Access to Domestic airport lounges* (Click Here For the list)

Clipper & Plaza Lounges


Priority Service backed by dedicated Service Managers at the Home Branch
Exclusive Golf Privileges*(Click Here For the list)

Complimentary access to select Golf Courses

Complimentary Golf lessons


YES ASSIST

Exclusive concierge service program


o
Car rental & Limousine Referral and Reservation Assistance
o
Hotel Referral and Reservation Assistance
o
Travel Referral and Reservation Assistance
o
Special Events and Performance Assistance
o
Restaurant Referral and Reservation Assistance
o
Movie tickets assistance in select cities
o
Flower & Gift Delivery

Automobile Assistance
o
Emergency Towing Assistance
o
Roadside Repair Assistance
Home Assistance

Pest control Assistance

Electric Gadget Assistance

Home Movers Assistance

Air Charter Facility (To be launched shortly)

Invitation to exclusive Knowledge Forums, National Events, Exhibitions &


Seminars

Special travel & lifestyle privileges

*Powered by MasterCard

NRI Banking Services


YES BANK is a state-of-the-art, high-quality, customer-centric, and service-driven private
Indian Bank catering to the "Future Businesses of India." It is an outcome of the professional &
entrepreneurial commitment of its Founder, Rana Kapoor, Managing Director & CEO. As the
'Professionals' Bank of India, YES BANK has exemplified "creating and sharing value" for all its
stakeholders, and also created a differentiated Banking Paradigm.
We at YES BANK understand that as Global Indian, your investment needs are different.
Furthermore, as India's new-age private sector Bank, we endeavor is to help you make the most
of what India has to offer. Our team of experts work around the clock to develop

customized financial solutions for your specific needs, and through our wide spectrum of
products, we ensure that we spot and seize every lucrative opportunity for you.
YES BANK is committed to help you grow your money. That is why we work closely with you
to fulfil goals and devote personal attention at every stage. We bring you a range
of investment opportunities to choose from and the expertise to invest and monitor your
portfolio.
At YES BANK, we strive to make your Banking experience smoother and hassle free. To know
more about our NRI services, click YES2CALL to receive an instant call back from us. No
matter where you are across the globe.

Retail Loan Services


YES BANK offers you, our valuable customers, a wide range of loans that will fulfill your every
need. Our wide range of loans will enable you to move into your own home, or buy your dream
vehicle, or enhance your business, or treat your family to that perfect vacation youve always
dreamt of.
Keeping this in mind, we have introduced loan products including Car Loans, Loan Against
Property, Personal Loans, Loan Against Gold, Commercial Vehicle Loans, customized to suit
your needs.
Whats more our quick and easy loan application processing will ensure that your application is
processed in minimum time and in a hassle-free manner.
Retail Loan

Commercial Vehicle Loans

Loan Against Property

Gold Loan

Car & Two Wheeler Loan

Loan Against Securities

Home loans

Personal Loans

Healthcare, Hospitality and education equipment funding

Construction Equipment Loans

Dealer finance

Personal Loan

YES BANK-Indiabulls Home Loans

Comprehensive Insurance Solutions Online

We, at YES BANK are committed to serve your better. We understand your financial needs and
therefore provide you Comprehensive Insurance Solutions. Along with deposit and loan
products, we offer you the facility to invest in Life Insurance and General Insurance. Keeping
your ease and convenience in mind, we also have a "Buy Online" feature for completing your
transactions entirely online without having to move out of your desk.
Various insurance products are:
General Insurance

Health Insurance
a.
Extra Care- A top up health insurance plan that allows you to extend your
existing health insurance cover so that you can take care of the additional
hospitalization expenses. Buy Online
b.

Family Floater Health Guard- It fulfills the insurance needs of your entire
family at nominal premium rates with a wide range of benefits including ambulance
cover, emergency hospitalization and regular check-ups at clinics. Buy Online

c.

Individual Health Guard- It takes care of your hospitalization expenses and


offers a wide coverage of pre- and post-hospitalization expenses. Buy Online

Motor Insurance
a.
Two wheeler Insurance- The two wheeler insurance policy provides a hassle free
protection to your bike or scooter against physical damage, theft and third party
liability. Buy Online
b.

Car insurance- The car insurance policy gives you a comprehensive coverage
against physical damage, body injury and cover against third-party liability and is
backed by a superior claims servicing capability and fast settlement record. Buy Online

Travel Insurance
a.
Travel Companion- The Travel Companion and overseas travel insurance policy
is a comprehensive package which provides complete medical and health cover to the
international traveler. Buy Online
b.

Travel Elite- Travel Elite is an online travel insurance that provides the
discerning traveler an array of policies that can be customized to meet his specific
needs. Buy Online

Life Insurance
At YES BANK, we aspire to create value for our customers and stakeholders alike. To achieve
this, YES BANK has partnered with Max Life Insurance Company Limited, one of the most
reputed Life Insurance companies in India to ensure social and economic benefits for our valued
customers.

Cards

Welcome to the world of convenient payment solutions that meet all your payment needs. YES
BANK, through its range of card offerings provides you a safe, convenient and hassle free mode
of payment to cater to all your requirements. Right from the ease of carrying your account with
you, to payment solutions for international travel or even personal and corporate gifting, YES
BANK cards offer you a truly rewarding experience.
YES BANK cards dispense with the need for cumbersome cash transactions and give you a
chance to avail a host of exciting benefits and offers. Discover the power and convenience of
YES BANK cards.

Debit Cards

Prepaid Cards

YES BANK Amex Credit Cards

NetBanking
YES BANK offers state-of-the-art internet banking facilities that allow you to carry banking transactions online
using your personal computer conveniently and comfortably from your home or office. Our range of services
and features includes:
Instant Registrationthrough Debit Card and PIN
Enhanced security with Two Factor Authentication
Access multiple NetBanking functions using ONE screen
View account detailsfor Savings Account, Current Account, Fixed Deposit,Recurring
Deposit, Mutual Fund and Demat account
Zero cost fund transferthrough NEFT & RTGS facility
24 x 7 Money Transferthrough IMPS
24 x 7 Real time bookingof Fixed Deposit and Recurring Deposit
Sweep infacility for managing your funds efficiently
Manage your aspirations through Goal Based Savings
Online Bill payment for utilities like Electricity, Telephone, Subscription Payments along with
Charity and Donations
Track your money performance through state-of-the-art MONEY MONITOR facility
Set up Standing instructionsfor transferring fixed amount at particular intervals

YES BANK NetBanking Registration


To register for YES BANK NetBanking using YES BANK Debit Card &ATM PIN:
1.

Log on to www.yesbank.in

2.

In the NetBanking section, select "Retail" and click on "Login"

3.

Click on the link "Register Online/First Time Users"

4.

Enter your Customer ID, Debit Card Number & ATM PIN

5.

Create your NetBanking Password

6.

Click on "Register Online"

In case you have not applied for a YES BANK Debit Card:
1.

Apply for Retail NetBanking by filling the Channel Registration form and submitting the same to the
nearest YES BANK branch

2.

Log on to www.yesbank.in

3.

In the NetBanking section, select "Retail" and click on "Login"

4.

Click on the link "Register Online/First Time Users"

5.

Enter your Customer ID and NetBanking password received through post

6.

Change your password immediately after logging into NetBanking

Please keep the following instructions in mind while creating a secured password for
NetBanking:
1.

Length of the password should be between 10 to 14 characters

2.

Password should contain at least one lowercase & one uppercase alphabet

3.

Password should contain atleast one numeric character

4.

Password should contain atleast one special character from the following
!~^;:?=@#%${}|[]_()*,-.

5.

Password should NOT contain any space between the characters

Steps to claim Discount Coupons after NetBanking Registration:


1.

Register for Retail NetBanking

2.

Receive a RNB registration SMS. This SMS will contain a password as well as url of microsite.

3.

Visit YES BANK Coupon microsite - yesbank.coupondunia.in and enter the password

4.

Select the Coupons as per your choice

5.

Enter Mobile Number and E-mail ID.

6.

Selected Coupons will be e-mailed directly by Coupondunia

7.

Access the coupon received in the e-mail and redeem at the merchant website

Important to Note:
For Current Account customers (Public Ltd/Private Ltd/Partnership):

Board Resolution/Declaration in the name of authorized signatory in YES BANK format is required in
addition to channel registration form

Authorized Signatory (AUS) ID needs to be entered as the User Id

NetBanking Services
Financial Services

Transfer funds between your accounts,or third party accounts held with YES BANK or any other
Banks

Facility to set up standing instructions for transferring fixed amount automatically at specific
intervals

Transfer money to any selected bank branch within India, instantly through IMPS (24x7x365)

Online Booking of Fixed Deposits, Recurring Deposits and Goal Based Savings

Pay your bills online for utilities such as electricity, telephone bills, subscription payments, charity,
etc.

Purchase new Mutual Fund units, redeem existing units, make SIP requests or cancel SIP requests

Informational Services

View your account balance, account statement, account activity and account details, updated on
real-time basis.

View the details of all your fixed deposits and recurring deposits with YES BANK online and even
view the TDS details for interests earned on fixed deposits

View the status of the cheques that you have issued

View all your investments, current portfolio value, NAVs, etc. with MFOnline

View your average quarterly balance, schedule of charges and contact details of relationship
manager

Service Request

Request for account statement, cheque books and debit card

Update your PAN and Nominee registration details

Register for Combined, flexi-frequency e-statements and Fixed Deposit e-advice

Download Deposit Slip, Form 16 A TDS certificate and Gujarat Govt VAT(Challan)

Download YES BANK Mobile Banking application

Other Services

Quick Bill Payment using YES PayNow

Online Donation to religious and charitable institutions

Ecommerce payments option using YES BANK Net Banking on multiple websites

NetBanking Security Features


Single Access Key
Our revolutionary technology allows you to access your account using debit card PIN. Just log on to
our website, select Internet Banking services and key in your Customer ID and debit card PIN. On
successful validation you will be allowed to select an Internet password.
Two Factor Authentication
Our Two Factor Authentication system allows generation of "One Time Passwords" for Internet
Banking transaction authentication which is delivered via SMS Or IVR to your Mobile Phone. This
password enhances security of your NetBanking and allows you the freedom of banking
online without the need to remember multiple passwords
128 bit SSL Encryption
A high level of encryption standard is used for all our NetBanking transactions. This ensures the
information exchanged between you and the Bank is completely secure
Verisign Certification
Our NetBanking services are certified by Verisign as a Verisign secure site.
YES Alerts
Receive e-mail or SMS alerts on all your banking transactions, keeping you updated on any
activities happening in your account

Security Tips
o

Do not access NetBanking from shared or unprotected computers in public places

Do not share OTP with anyone, even if the person claims to be a YES BANK official

Do not close your browser while transacting on NetBanking

Set up either email or SMS alerts on your NetBanking account for all transactions

Log into your Retail NetBanking account atleast once in a month


Please report a suspicious mail SMS alert or phone call

tofraudreport@yesbank.in immediately

Mobile Banking
YES BANK's Mobile Banking Application YES MOBILE meets all your banking needs on the move. Now you can
bank with YES BANK, in a convenient and hassle-free way, anytime and anywhere using your mobile
phone. Whats More! - This service is absolutely FREE.Note: Merchant Services categories will be
launched in phases.
Banking Services

Merchant Services

Balance Enquiry
Mini Statement
Funds Transfer

Bill Payments
DTH
Travel

Immediate Payment Service(IMPS)

Mobile Prepaid Recharge

Cheque status
Stop Payment
Cheque Book request
Fixed Deposit Enquiry
Amount limits:

Daily transactional limit is INR 1,00,000/-

Getting started:
Register for Mobile Banking
To register for MobileBanking, you need to be registered for YES BANK NetBanking
Your Mobile Number should be updated with YES BANK
To receive the URL for application download, SMS "YESMOB" to 567678 from the mobile number
registered with YES BANK
You can set your own MPIN on IVR as a part of registration process for the MobileBanking application

Download MobileBanking Application


YES BANK introduces MobileBanking Application to fulfill all your banking needs, while you are on the move.

Now you can bank with YES BANK, in a convenient and hassle-free way, anytime and anywhere
For Apple iPhone, Blackberry, Android, J2Me Users
Send YESMOB to 567678 to receive application download URL
Also available on Apple App Store & Google Play Store

Receiving MPIN
You can set your own MPIN on IVR as a part of registration process for MobileBanking.
You can also reset your MPIN by using "Secret Question Answer" using the Forgot MPIN option.

Mobile Money Identifier (MMID)


Mobile Money Identifier (MMID) is a 7 digit number issued by a bank against an account linked to a mobile
number. Remitter (customer who wants to send money) and Beneficiary (customer who wants to receive
money) should have this MMID for doing interbank funds transfer - IMPS. Sender needs to mention the MMID
and Mobile number of the recipient in the mobile banking application.
MMID related short codes
To receive or activate your MMID for your YES BANK account, SMS "MMID <space> < Last six digits
of your account number linked to the mobile >" to 567678
To deactivate the MMID and stop IMPS for your YES BANK account, SMS "MMIDCANCEL <space> <
Last six digits of your account number linked to the mobile >" to 567678

IMPS:
Person to Person
Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile
phones. IMPS facilitates customers to use mobile instruments as a channel for accessing their banks
accounts (interbank) and also funds transfer between these accounts. IMPS transactions can be sent and
received at any time and any day 24 x 7. There are no timing or holiday restrictions on IMPS remittances.
Mobile Money Identifier (MMID) is a 7 digit number issued by a bank against an account linked to a mobile
number. Remitter (customer who wants to send money) and Beneficiary (customer who wants to receive
money) should have this MMID for doing interbank funds transfer - IMPS. Sender needs to mention the MMID
and Mobile number of the recipient in themobile banking application as demonstrated in the screen shots
below:

Person to Merchant
Performing P2M PUSH transaction through MobileBanking Application:
1.

Login to MobileBanking Application using your YES BANK Retail NetBanking login credentials

2.

Select Banking Services and then select IMPS (Immediate Payment Service)option

3.

Select the Account through which the transaction needs to be executed

4.

In the sub-menu, select IMPS Merchant Payments option

5.

Enter details: Merchant Mobile Number, Merchant MMID, Amount, Payment Reference

6.

Confirm and then Enter M-PIN for execution of the transaction

7.

Transaction status will be displayed on the screen

8.

Transaction status will also be sent as an SMS alert on the customers mobile number

SMS Banking
Our cutting-edge technology allows you to fulfil your Mobile Banking requirements through a Single Number
(+91-9840909000). By subscribing to this service,you will receive important information about your account
directly on your phone at all times.
Advantages:
Easy Registration:At YES BANK, we eliminate the need for paperwork to access MobileBanking,
thus, saving your time and effort.
Comprehensive Range of Services:Our MobileBanking facility provides you with an extensive
range of services at your fingertips. So you can carry banking transactions with ease.

Description

SMS
Keyword

Example

Mobile
YESREG YESREG <Cust ID>
Registration
Account
YESBAL YESBAL <Cust ID>
Balance Inquiry
Last 5
transactions in YESTXN YESTXN <Cust ID>
the account
Cheque Status
YESCST <Cust ID>
YESCST
Inquiry
<Cheque No.>
Stop Cheque
YESSTP <Cust ID>
YESSTP
Request
<Cheque No.>
Chequebook
YESCHQ YESCHQ <Cust ID>
Request
Details of fixed
deposits linked YESFDQ YESFDQ <Cust ID>
to the account
Request for an
account
YESSTM YESSTM <Cust ID>
statement
List of all above
supported
YESHLP YESHLP <Cust ID>
Requests
In case of multiple accounts linked to same
Cust ID, kindly provide the relevant account
number at the end of the requests. Example:
YESSTP <Cust ID> <Cheque No.> <Account
No.>
Mobile Alerts -- The following alerts are available on your mobile :
DEBIT ALERT- informs you about any debits (above a particular limit) from your account
CREDIT ALERT- informs you about any credits (above a particular limit) to your account
BALANCE ALERT- informs you about account balance at regular intervals (daily/weekly/monthly)
SALARY CREDIT ALERT- informs you when salary is credited to the account
OVERDRAFT ALERT- informs you when the account balance gets overdrawn
BELOW BALANCE ALERT- informs you when the account balance goes below the specified
threshold limit

*99# Banking
YES BANK customers can now avail basic banking services
(Balance enquiry, Last 5 transactions, Know MMID and Generate OTP)

using

USSD

channel

How to use?
o

Just dial *99# from registered mobile number to initiate the USSD session

Enter YES or YESB to proceed further

Select the desired menu option

Enter last four digits of your account number

Accessible from GSM mobile phones only. Does not work on CDMA phones.
Does not require any data network (GPRS/3G) connection and can be availed anytime.
Pre-requisite - Mobile number should be registered with the bank.
There are no charge levied by YES BANK for this service. However, telecom service provider shall
charge up to INR 1.5/- per USSD session.
Currently subscribers of AIRCEL, AIRTEL, BSNL, IDEA, MTNL, QUADRANT, RELIANCE, TATA, UNINOR,
VODAFONE and VIDEOCON can avail the service.

Missed Call Banking


Stay in touch with your bank even on a Missed Call
Registration Process
You can register for Missed Call banking by sending an SMS YESREG <Cust ID> from your registered mobile
number to (+91-9840909000)
Services
Know your Account Balance by giving a missed call on 09223920000
Get a list of last 5 transactions by giving a missed call on 09223921111
Please Note: In case of multiple accounts linked, balance for all the accounts will be sent as SMS on giving a
Missed Call, however last 5 transactions will be provided for only the primary account number
To change the primary account number for Missed call Banking, kindly SMS YESDEF <Cust
ID><Account No.> to (+91-9840909000)
In case your mobile number is registered against multiple Cust Ids, you will not be able to avail this
service

YES Tax Solutions


YES BANK brings you a comprehensive tax solutions programme! From personalized guidance on tax
planning, calculation of tax liability, on-the-spot investment in tax saving products, and filing of IT Return,
YES Tax Solutions is the answer to ALL your income tax related queries.

Easy Tax filling solution:


Is filling your cumbersome taxes taking a toll on you? Are you looking at easier ways to file your taxes
online? YES BANK brings to you ease of e filing of your taxes with attractive discounted prices.

Ask Our Tax Expert


Is taxation related to income, property, charity, investments etc. confusing you? If you have any query
related to taxes, we recommend a FREE consultation from our tax expert.

Tax Saving InstrumentsHere's a look at the some of the most popular income tax saving instruments
offered by YES BANK and the financial planning benefits that they give you:

Life Insurance - Long term protection-cum-investment solutions with income tax exemptions at
Investment, Growth and Maturity. To know more, click here

Equity-linked Savings Schemes - Minimum 3 year lock-in equity investment instruments (Mutual
Funds) with income tax exemption throughout its lifecycle. To know more, click here

Tax Saving Fixed Deposit - A simple 5 Year Fixed Deposit designed to offer benefits at investment
stage and guaranteed returns over 5 year period. To know more, click here

Health Insurance - Essential tax saving financial cover to support cost of medical emergencies. To
know more, click here

Yes bank money:


Overview on YES BANK Money
YES BANK has tied up with various partners as Business Correspondents and leverages their existing retail
shops, telecom connectivity and banking infrastructure to extend branchless banking services to a common
man and facilitate a Remittance Service closer to home, effectively at anytime of the day and most
important, into any bank across the country.
YES BANK Money is YES BANKs Domestic Remittance Service which is leveraging the existing technologies
and infrastructure designed to meet the remittance need of migrants, unbanked and under-banked
population in India. This product design brings technology to the end user through the Business
Correspondent Agents and simultaneously ensures a technology oblivious experience for the end user.

YES BANK Money-Business Correspondents


The appointed Business Correspondents for YES BANK Money are as follows:
1.

Suvidhaa Infoserve Pvt. Ltd.

2.

Oxigen Services Pvt. Ltd.

3.

Hermes i-Tickets Ltd.

4.

Eko India Financial Services Ltd.

5.

Payworld (Sugal and Damani)

6.

Reliance Money Infrastructure Ltd.

7.

Easy Bill Ltd. (Hero Group)

8.

Multilink MOS Utility Pvt. Ltd.

9.

Paypoint India Network Pvt. Ltd

10. ITZ Cash Ltd.


11. Beam Money Pvt Ltd.
12. Seed Financial Services Pvt. Ltd.
13. mPurse Services Pvt. Ltd. (Infotel Group)
14. FIA Technology Services Pvt. Ltd.
15. Spice Digital Ltd.
16. EZspend Prepaid Payment Solutions Pvt. Ltd.
17. Sollet Soft Solutions Pvt. Ltd.
18. Muthoot Finance Ltd.
19. Mannapuram Finance Ltd.
20. BASIX Sub-K iTransactions Limited

YES BANK Money Awards and Accolades


YES BANK Money has also won the following awards:
1.

Skoch Renaissance Award - Nurturing Creativity & Innovation 2014

2.

MasterCard Payment Innovation Awards 2014 Best Prepaid Card Program

3.

Financial Inclusion & Payment Systems Award 2013

4.

CIO 100 Award 2013

5.

NASSCOM Social Innovation Honours 2013

6.

Golden Peacock Innovative Product / Service Award 2012

7.

Innovation in payments award at the Financial Insights Innovation Awards, 2012

8.

Certificate of Appreciation at the NASSCOM Social Innovation Honours 2012

9.

Dataquest Emerging Leaders in Business Technology 2012 at DQ Live Awards

10. Finnoviti Awards 2012 - Jury Voting and Peer Voting Awards
11. Diamond Edge Awards - Innovation - 2012
12. Computer Society Of India Banking and Innovation 2012

YES TOUCH Services


At YES BANK, our services are designed to suit your needs. Our technology-enabled banking services provide
you with 24 hour access to your account, not only in India but also anywhere in the world. You can access
your account from any of our 24-Hour ATMs, or avail of our state-of-the-art Netbanking and Phone
Banking services. Ensuring that we work for you round-the-clock, irrespective of whether youre at home, at
work or on a holiday.

Safe Deposit Lockers


Safe Deposit Lockers at YES BANK offer you the shelter & security of your valuables. You can now enjoy
peace of mind without worrying for your important documents, jewellery and other valuables.
Advantages of opening Locker with YES BANK

Choice of various sizes of locker Small, Medium and Large

Extended banking hours to access lockers*

Locker can be opened even in non-home branch

Preferential rates for YES FIRST customers

Safety & Security of your belongings

Nomination facility available


Who is eligible?
Lockers can be hired by Individuals, Corporate body, Associations, Society and Trusts holding a Savings
Account or a Current Account with YES BANK
Documentation required

KYC documents of all Locker Hirer(s)

MSME Banking

MSME Product Propositions

The MSME financing group at YES BANK has customized product


propositions to best suit your business requirements:
YES Samriddhi
YES Sambhav
YES Suyog
YES Shakti
Cash Backed Lending Programme

YES Samriddhi
The YES Samriddhiproposition is a financing proposition designed to
meet the requirements of businesses engaged in trading,
manufacturing and services.

Features

Turnover based lending approach for assessment of credit limits


Parameterized template based fast track sanction with local credit delegation
Paperless movement of approval note and Electronic approval for faster Turnaround
Time

Loan
Amount

Minimum Loan Amount: INR 2 cr


Maximum Loan Amount: INR 3 cr , Non DP Linked OD up to 2 cr

Facility
Type

Fund Based
Cash Credit, Overdraft, Working Capital Demand Loan 12
Months, Term Loan 60, Drop Line OD, Export Credit
Non Fund Based
Letter of Credit, Buyers Credit, Bank Guarantee
Trade Related Facility CMS Limits and Forward Cover

Security

Exclusive charge on stock & book debt, by way of hypothecation


Residential/ Commercial/ Industrial/ NA Plot
SLBC/BG/FD /Surrender Value of LIC

YES Sambhav
The YES Sambhav proposition is aimed at providing a comprehensive
solution for the financing requirements for SMEs engaged in
manufacturing and trading and professionals like Doctors, Chartered
Accountants, Engineers and Architects.

Features

Credit assessment based on banking transactions of the customers


No Financials required for analysis
Sanction delegation at local level for faster approvals

Loan Amount

Minimum Loan Amount: INR 20 lacs


Maximum Loan Amount: INR 1 cr

Facility Type

Fund Based Limits (Overdraft & Drop Line Overdraft)

Security

Exclusive charge on stock & book debt, by way of hypothecation


Residential/ Commercial/ Industrial/ NA Plot
SLBC/BG/FD /Surrender Value of LIC

YES Suyog
The YES Suyog programme is aimed at providing a comprehensive
solution for the financing requirements of SMEs engaged in
manufacturing, trading and services.

Features

Scorecard Based Appraisal model


Special Benefits of Faster Sanction and Preferential Pricing for cases with good
scores
Relaxation of collateral coverage on the basis of higher scores

Loan
Amount

Minimum Loan Amount: INR 20 lacs


Maximum Loan Amount: INR 2cr

Facility
Type

Fund Based
Cash Credit, Overdraft, Working Capital Demand Loan 12
Months, Term Loan 60, Drop Line OD, Export Credit
Non Fund Based
Letter of Credit, Buyers Credit, Bank Guarantee
Trade Related Facility CMS Limits and Forward Cover

Security

Exclusive charge on stock & book debt, by way of hypothecation


Residential/ Commercial/ Industrial/ NA Plot
SLBC/BG/FD /Surrender Value of LIC

Cash Backed Lending Programme


The Cash Backed Lending Programme aims to provide a comprehensive
solution for the financing requirements of Traders, Manufacturers and
Service providers.

Features

Margin
Amount

Ideal for immediate non fund based credit needs of SMEs


Quick Processing with minimal documentation

For Domestic: 100% LC/BG/SBLC value


If FX sensitivity not to be hedged by non cancellable forward contract: 105% of
LC/BG /SBLC/ LUT plus interest Value for USD, Euro & GBP while 110% for

other currencies.
If FX sensitivity to be hedged by non cancellable forward contract: 100%
LC/BG/SBLC/LUT plus interest Value.

Facility Type Non Fund Based Letter of Credit, Buyers Credit, Bank Guarantee

Maximum
Tenor

LC 180 days /upto 3 years in case of Suppliers Credit LC


B G - 36 months (including claim Period)
LUT upto 1 year period for arranging BC for non capital goods and upto 3 years
for arranging BC for Capital Goods

Agri Finance
At YES BANK we provide you with comprehensive solutions for your agri
financing needs. Our product suite covers the following:
Small Agri Enterprises Loan
Commodity Finance
KrishakSahyog

Small Agri Enterprises Loan


The Small Agri Enterprises Loan is primarily aimed at individuals
involved in farming and business units engaged in trading and
manufacturing, and commission agents.

Features

Turnover based lending approach for assessment of credit limits


Peak and Non peak Facility for Agri processors
Term Loan tenor upto 10 Yrs for Plantation and horticulture Crop
Quarterly submission of Stock Statement

Loan
Amount

Minimum Loan Amount: INR 20 lacs


Maximum Loan Amount: INR 5cr

Facility
Type

Fund Based
Cash Credit/Overdraft/Working Capital Demand
Loan/Short Term Loan /Term Loan /Drop Line OD, Export Credit
Non Fund Based
Letter of Credit, Buyers Credit, Bank guarantee

Security

Exclusive charge on Current Asset (stock & book debt) by way of hypothecation
Residential/ Commercial/Industrial (Upto Certain percentage)/ NA Plot, Liquid
Collateral in the form of FD/NSC/KVP/IVP/LIC etc can be accepted

Commodity Finance against Agricultural Commodities


The Commodity Financing product is targeted at Farmers, Agri
intermediaries, Processors, who are owners of Agriculture Commodities.

Features

Longer tenor of Credit facility extending upto 11 months


Quick loan processing and disbursement with minimal documentation
Loan available for commodities kept at both private and government warehouses
Separate offering to cater Retail borrowers

Loan Amount

Minimum Loan Amount: INR 10 lacs


Maximum Loan Amount: INR 5cr

Security

YES BANK Approved Agriculture Commodities

KrishakSahyogi
The KrishakSahyogi Programme is designed to meet the financing
requirements of Arthias, Commission Agent and traders dealing in Agri
Commodity; Agri Input Dealers Dealers/Sellers of Fertilizers, Pesticides,
Seeds, Cattle Feed, Poultry Feed and Agricultural Implements

Features

Features Turnover/Working Capital Cycle based lending approach for assessment


of credit limits
Sanction delegation at local level for faster approvals

Loan
Amount

Minimum Loan Amount: INR 20 lacs


Maximum Loan Amount: INR 5cr

Facility Type

Fund Based
Non Fund Based

Security

Exclusive charge on stock & book debt, by way of hypothecation


Residential/ Commercial can be accepted
FD /Surrender Value of LIC/NSC/RBI Relief Bonds/IVP

Overdraft/Cash Credit
Bank Guarantee

Channel Finance
The Channel Financing programme provides financing to all dealers of a
corporate, catering to both backward and forward supply chain linkages.
Dealer Financing meets the working capital needs by providing additional
liquidity to dealers for procuring goods from Corporates. A revolving line
of credit in the nature of an overdraft is provided for dealers of the
Corporate and payment from such working capital facility is restricted to
corporates only. Customized information reports are provided to both
corporates and dealers under this programme.

Advantages for Dealers

Steady and cheap source of Working Capital financing

Additional facility for Dealer with increased liquidity for increased


off-take

Increased appetite for goods

Channel partners may be able to increase profitability by availing of


cash discounts from Corporate
Attractive finance charges
Dealer can carry on with facilities and loans availed from
existing bankers
Flexibility of scheduling payments part-payment, prepayment options

Advantages for Corporates


Assured availability of Working Capital finance to their channel
partners at lower than current cost of credit
Increased appetite for goods from customer side
Immediate realization of sales
Release of funds from the Balance Sheet resulting in
improvement in financial Ratios
Quick Delivery and scalable solutions
Easy Reconciliation of transactions
Availability of MIS

Healthcare Finance
YES BANK provides you comprehensive financial solutions to take care of
your funding requirements for Healthcare Equipments. We provide
flexible, convenient loans for Doctors, Hospitals, Diagnostic Centres,
Nursing Homes, Trusts, Societies and limited Companies. With loan
amount ranging from Rs 2 lakh to Rs 15 crore and tenure from 1 year to 7

years, we provide you complete solutions to take care of your financial


needs while you provide world quality healthcare services.

Commercial Vehicle Loans


For success in business, financing is a prime factor. Trust YES BANK to
offer you customized loan products for the purchase of Commercial
Vehicles.
Our range of offerings is set to suit all customer needs.

Funding for trucks, buses, tippers, light and small commercial


vehicles.

Preferred financier status with all leading manufacturers

Simple documentation processes

Loans up to 90% of the chassis price

Repayment tenure up to 48 months

Quick turnaround time

Flexible financing solutions to meet individual requirements

Healthcare Finance
YES BANK provides you comprehensive financial solutions to take care of
your funding requirements for Healthcare Equipments. We provide
flexible, convenient loans for Doctors, Hospitals, Diagnostic Centres,
Nursing Homes, Trusts, Societies and limited Companies. With loan
amount ranging from Rs 2 lakh to Rs 15 crore and tenure from 1 year to 7
years, we provide you complete solutions to take care of your financial
needs while you provide world quality healthcare services.

Trade Finance
The Trade Finance team housed within the Transaction Banking Group at
YES BANK is a core Product Group catering to clientele across the gamut

of business segments viz. Wholesale, Commercial and Retail. Within the


Trade Finance team we have dedicated Trade Advisors addressing specific
needs of clients in the MSME space, with specialization in Trade Product
Advisory & Offerings.

Trade Product Suite for MSMEs

Our innovative and structured solutions aim at providing you with a full
package of tools, so that you can gain better control of your international
trade flows, reduce risks associated with cross border trade, improve cash
flows and achieve processing efficiencies. With investments in technology
and experienced professionals, YES Bank has built capabilities which are
amongst the best in the industry. At YES BANK, we strive to ensure that
you receive timely, informed advice on trade finance as well as foreign
exchange markets and opportunities.

Trade Services Specialized Offerings

Dedicated Trade team of experienced Product Sales Managers to


facilitate transactions, customized structuring & Trade advisory

With extensive reach spanning across continents, YES


International Banking has800+ active correspondent banking
relationships.

Dedicated Trade desk at designated YES BANK branches.

Enhanced information management through customized mailers,


reports and MIS
o

Real-time debit & credit advices on Trade transactions to your


email Inbox.

Trade Alerts, MIS on outstanding, bill maturity etc., delivered


to you by email.

Auto-email of SWIFT transmitted copies to your email Inbox.

Instant document arrival notice delivered to you by email.

Industry benchmarked & ISO certified systems & processes.

Advisory Services:
We offer advisory on a variety of subjects such as:

Structuring of LC/BG to minimize risk and provide you process and


cost efficiencies

Facilitate Suppliers credit/Buyers Credit transactions at market


competitive pricing

Foreign Exchange related query resolutions

EEFC / DDA / OTO / Special FCY accounts

Advice on FEMA, RBI and FEDAI provisions

All Current & Capital account transactions as per FEMA guidelines

Rules on Trade & Payments (International Chamber of Commerce)

Current Accounts to accelerate the Growth of your Business


The YES BANK Current Account comes with an exhaustive range of
benefits, designed to help business growth. Our cutting-edge banking
technology, combined with our expert knowledge-based financial
solutions, ensure not just efficient transactions but also greater profits for
business growth.
Focused Segment Products
At YES BANK we have identified 12 focus segments whose growth
potential can be ably supported by YES BANK's Knowledge
Banking approach. We believe organizations in these sectors will have
specific financial needs and demands and to cater to these specific needs,
we have developed customized products with a superior and customized
service advantage to help maximize their potential.
Key Features of YES BANK Current Accounts

A wide choice of variants allowing you to choose the type of Current


Account which suits your business requirements and transaction
requirements

Free Demand Drafts & Pay Orders through YES BANK and our
correspondent bank's locations give access across more than 600
cities PAN India for payment transactions

At-Par cheques that are accepted as "local clearing" cheques across


our branches, thus save on charges associated with ordering a
demand draft

Flexible Cash Deposit limits


Merchant Acquiring Services and Solutions

The Card Acceptance Services by Yes Bank Ltd. is one of the latest
additions in the ever increasing gamut of products offered to the
retail/corporate merchants. We have invested in building a robust
infrastructure to enable smooth and reliable acceptance of payment
through Cards on our EDC (Electronic Data Capture) Terminals.

Currently we offer the facility to accept MasterCard, VISA Credit and


Debit Cards as well as American Express Cards (subject to approval
from American Express and completion of formalities as requested
by American Express). We can service more than 180 locations

currently and are fast expanding our presence throughout India.


Cash Management Solutions

Structured and customized Cash Management solutions to manage


the operational, administrative and regulatory activities of a
corporate in a coordinated and efficient manner. Our in-depth
understanding of the business enables us to partner in the growth of

our customers.
Forex and Trade Finance Services

At YES BANK, we provide our customers with a comprehensive suite


of Trade and Foreign Exchange Services which is backed by stringent
Service Level Agreements (SLA's) and turnaround times. Our
strategic tie-ups with international correspondent banks have helped

us gain a global footprint.


Corporate NetBanking

A State of the art electronic banking platform with real time online
account access.

Free Instant Money transfer through National Electronic Funds


Transfer (NEFT) and Real Time Gross Settlement (RTGS) to over

65,000 Bank branches in India assuring faster payments along with


saving cost
Doorstep Banking*
Enjoy the convenience of Banking from the comfort of your home.
Cash Pickup & Delivery:- [Get cash deposited or delivered at
doorstep]

Cheque Pickup & Delivery: Now there is no need to visit a branch to


get cheques deposited or drafts delivered. YES BANK will do it on
customer's behalf.

KNOWLEDGE BANKING

DEVELOPMENT BANKING
Investment Opportunities in Developing Sectors of India
YES BANKs in-depth knowledge of the sunrise sectors of the Indian
economy has enabled it to deliver efficient and
customized banking solutions, due to which there has been significant
attraction in developing new investment banking opportunities and ideas
that add long-term shareholder value. YES BANK focuses on key sectors
such as Food and Agribusiness, Healthcare, Life Sciences, Media and
Entertainment,Telecommunications, Information Technology,
Infrastructure and Retailing amongst others, which are the Future
Businesses of India. We are committed to support the growth and
development of these sunrise sectors to facilitate the overall
development of the country through strategic initiatives.

Food and Agri Business

To actualize its focus and commitment for the holistic development of the
Food and Agribusiness sector, a specialized Food and Agribusiness
Strategic Advisory and Research (FASAR) Group has been domiciled
within the Development and Knowledge Banking department at YES
BANK. In a short span of time, FASAR has emerged as Indias premier and
specialized Food and Agribusiness Consultancy & Research Group, having
prestigious on-shore and off-shore mandates to its credentials across the
entire spectrum of the Food and Agribusiness (F&A) domain.
FASAR has relevant experience and expertise in the conceptualization and
implementation of some path breaking projects and knowledge initiatives
for both Government as well as corporate clientele in the Agribusiness
sector. The team comprises of domain experts in the relevant sectors and
has considerable work experience in MNCs and Indian Corporate Houses
engaged in the Food and Agri sectors.
FASAR has worked closely with the Indian Government on various policy
initiatives and has the privilege to be associated with the Ministry of
Agriculture and Ministry of Food Processing Industries and most state
governments on various projects for the development of F&A sector.
YES BANK has been appointed as National Consultants by Union Ministry
of Agriculture to develop a framework for implementation of Modern
Terminal Markets (MTMs) across the country. YES BANK is the Project
Management Consultant for MOFPI for development of Mega Food Parks in
various states.
On the corporate side, FASAR uses its extensive industry knowledge and
experience by advising its clients on market entry, expansion,
diversification and marketing strategy. It also takes up mandates on
market research, feasibility study, and business model development for
new ventures, infrastructure advisory, supply chain analysis, logistics
development, JV formulation and equity infusion.
FASAR offers its unique Advisory + Implementation + Lending
proposition to its clients on starting or diversifying into the following
areas:

Integrated Dairy Farms

Dairy Products Business (Cheese, Butter, Yoghurt, Ice Cream etc.)

Food Processing

Agro Food Parks

Supply Chain Management Business

Modern Terminal Markets

Large Scale Commercial Farming in Africa & Latin America

Acquisition of Overseas Plantations

Organic Farming & Distribution

Food Flavours & Additives

Herbal Medicines

Integrated Warehousing

Integrated Cold Chains

FASAR has been associated with various industry bodies like CII, FICCI,
ASSOCHAM and PHDCCI and institutions NIAM and IBA on various
knowledge partnerships on agri related issues and policy initiatives. The
team conducts in-depth research on various sub-sectors of F&A domain
and releases reports and research papers appraising the stakeholders on
the latest issues, key trends and developments in the sector.
The team publishes a much sought after e-publication, the Weekly India
Food & Agribusiness Review, and a much respected weekly commodity ereport, the Weekly India Agri Commodity Review. FASAR also organizes
YES BANKs Annual Food and Agri Conclave, which has gained recognition
as a flagship platform to discuss Indias food and agribusiness related
issues.

Information Technology - Investment Options in India's IT


Sector
To ensure a highly professional banking experience, YES BANK has made
significant investments in technology. YES BANK has always been at the
forefront when it comes to leveraging on the latest technology to provide
products and services to its customers.
This philosophy is also reflected in the five brand pillars of our Bank where
technology has been identified as a key pillar and is considered a true
differentiator. Many first-mover implementations have provided us with

long lasting advantages, while also winning many accolades and awards
for the Bank. With one of the finest direct banking platforms, we are the
first Bank in India to offer two-factor authentication, single PIN access
across all electronic channels and Wi-Fi enabled branches to make
the Bank truly world-class.
All parts of the Bank use IT to deliver superior products and services to
the customer. Innovations like Money Monitor, Mobile payments, Dual
factor authentication, Mobile Banking, RFID in branches, one-view of
customer relationship, most advanced speech enabled IVR enable
products and sales teams to offer superior customer offerings.
Additionally, YES BANK continues to strengthen its strategic partnerships
with some of the best known IT majors globally to develop innovative
system features in order to improve process efficiencies and create
sector-specific banking solutions. Further, the development of a robust
Business Continuity plan within the Bank addresses risks and secures
systems that are vital to business operations.
In the current fiscal, the following initiatives were undertaken:
A Business Intelligence platform provided to users of Bank with focused
dashboards relevant to their role and function. This platform is a key
differentiator viz. regular market offering and focuses on providing the
right information to the right people at the right time.
YES BANK has been awarded the Financial Insights Innovation Award (FIIA)
for Innovation in Business Intelligence February, 2010, in Singapore.
The Mobile Payments platform in partnership with Nokia and Obopay was
launched as a pilot in Pune. This first-of-its-kind platform for mobile
payments facilitates pre-paid accounts for Mobile users while allowing
them to:

Make bill payments

Make payments to other mobile account holders

Merchant payments at the point of sales

Potential to extend to the Microfinance business

YES BANK entered into a strategic partnership with Cordys for


implementation of a Business Process Management Suite to further help
automation of processes, straight through processing, robust audit
mechanisms and flexibility to quickly launch new customer products.
YES BANK entered into a partnership with First Data Corporation for its
ATM outsourcing in line with the Banks strategy to partner with best in
class service providers. This move has given the Bank a substantial cost
advantage viz. ATM management on one side, and ability to scale up
much faster at the other.

Investment Opportunities in Infrastructure(Infra)


Since inception, YES BANK has been an active participant in the
infrastructure investment banking needs of the country and has made
infrastructure a key focus area of its lending and advisory operations. The
dedicated Infrastructure Banking Group at YES BANK offers the complete
range of financial products to infrastructure - from project
conceptualization to financial closure. The sector coverage includes
Telecom, Energy (Power, Oil & Gas and Renewable Energy), Transport
(Roads,
Ports
and
Shipping),
Logistics,
Manufacturing,
Urban
Infrastructure, and EPC.
Spectrum of YES BANK offerings in infrastructure:

Project ConceptualizationProject Advisory, Project Appraisal, Bid


Bond Guarantees

Project Finance and ArrangementLong Term Loans, Performance


Guarantees, Underwriting, Syndication, ECA, ECB

Structured Debt/ProductsBond Issuance, Mezzanine Financing,


Equity-like instruments such as CCD and OCD

Trade ProductsBuyers Credit, Suppliers Credit, Capex LCs, SBLCs,


TRA/Escrow, CMS

The infrastructure focus of YES BANK is also clear from its advances to,
and high single- and group-borrower limits for, the sector:

Advances to Infrastructure Sector20% of total bank-wide advances

High Borrower LimitsSingle Borrower Limit of INR 18.50 Billion and


Group Borrower Limit of INR 46.50 Billion

In a short span of time, YES BANK has built formidable relationships with
all leading infrastructure developers such as Reliance Infrastructure
Limited, Hindustan Construction Company Limited, Gammon India
Limited, Adani Group, GVK Group and many others.
YES BANK AS FACILITATOR
YES BANK follows a Knowledge-Banking approach in offering the above
range of products and services across the various infrastructure sectors. It
leverages the extensive knowledge base and experience of its dedicated
team of infrastructure professionals and its national and international
institutional tie-ups to bring best in class product and advisory offerings
suited to client requirements.
The BANK also works closely with institutions like FICCI, CII, ASSOCHAM,
ICC, and other infrastructure forums, to provide thought leadership in the
sector and facilitate key initiatives on various infrastructure financing and
development issues. Some of our recent knowledge initiatives include:
Infrastructure Financing (FICCI India Infrastructure Summit, April 2010),
North East Infrastructure Development Roads, Airports, Power (5th North
East Business Summit, January 2010), and Financing Infrastructure
through Public Private Partnership (Bangalore Chamber of Industry &
Commerce, August 2008).

Banking Solutions for the Life Sciences Industry in India


YES BANK has identified the Life Sciences industry as its key focus
area and is deeply committed to supporting its growth. We have
institutionalized a high-quality team which has the relevant industry and
commercial expertise to effectively provide cutting edge products and
service to our clients.
By providing customized knowledge based product offerings, we strive to
achieve our mission of becoming the preferred financial partner
for the Life Sciences industry.

Our target segments within this sector include:

Pharmaceuticals: YES BANK believes the Indian Pharmaceutical


industry will grow to around USD 52 billion by 2015, at a CAGR of over
17%. The primary driver for this growth is the increasing shift to
generics worldwide and Indias key position in this segment

Biotechnology (including agri-biotech): The Indian biotech industry,


comprising of approximately 380 companies, grew threefold in just five
years to report revenues of USD 3 billion in 2009-10. We estimate that,
by 2015 a 20% annual growth rate will take the Indian biotechnology
industry to USD 8 billion

Medical Equipment and Devices: The segment will outpace its past
growth and touch around USD 11 billion by 2015, growing at a CAGR of
22% from 2008

Contract Research and Development Services: Indias unique


positioning has made it a primary player in the outsourcing of drug
discovery and development to low cost destinations by global
Pharmaceutical players. YES BANK estimates the segment to grow at a
CAGR of over 30% to reach USD 3 billion by 2015, growing from around
USD 1 billion achieved in FY11

YES BANK has focused on a knowledge driven approach to banking with a


superior
customer
experience
for
its
retail,
corporate
and
emerging corporate banking clients. YES BANK adopts a MONEY DOCTOR
approach to provide diagnostic and prescriptive solutions, customized for
the sector.
YES BANK has adopted a Lifecycle approach to banking, which assists
clients from incubation stage to maturity, providing superior solutions
customized to meet all their business needs.
Products and Services
The Life Sciences Knowledge Banking Group at YES BANK focuses on
delivering customized financial, technical advisory and banking solutions

to its clients, thus aspiring to partner with its clients for all their business
needs.
Depending on the nature and attributes of the underlying business, the LS
Banking Group aspires to provide comprehensive financial and banking
solutions comprising Strategic Advisory Services (Business Plan, Entry
Strategy, Joint Venture, M&A), Fund Raising (Debt, Equity, Quasi Equity),
Direct Financing (Long Term, Working Capital, Gap Financing) and Wealth
Management to companies and individuals engaged in the Life Sciences
businesses. In order to provide such diverse banking solutions with
utmost customer service to its clients, the Life Sciences Banking Group
works with specialists from relevant banking divisions at YES BANK.

Strategic Government Advisory


Strategic Government Advisory is a dedicated division of YES BANK,
designed to deepen the banks engagement with the Union and State
Governments and allied agencies, particularly through advisory services,
though leadership and developmental support.
Government Engagement & Thought Leadership
SGAs initiatives are driven by its capabilities in thought
leadership. Knowledge bankers at SGA have cross-functional
domain expertise and bring with them significant experience of
specific sectors such as Infrastructure (including social infrastructure),
Tourism, Education and e-Governance amongst others. They have been
instrumental in YES BANKs strategic Knowledge Partnerships with
Government and Industry organizations, as also in the design of inhouse Knowledge Publications through focused and strategic
research that have been disseminated at leading industry forums in the
presence of leaders from Government, industry and other thought
leaders. These publications have offered visionary perspectives,
documented successful interventions and highlighted investment
potential. The range of knowledge and strategic research reports
include:

State Reports Documenting key growth sectors in states and


highlighting investment potential,

Theme/ Sectoral Reports Highlighting specific development


themes or sunrise sectors,

Policy Documents Developing and documenting policy


innovations, and

Thought Leadership & Research Documenting economic


growth trends and potential, highlighting international trade and
relations, and attention to inclusive growth.

Strategic Advisory Services


As a division unique to the banking industry, SGA has extended strategic
advisory services and supporting development programs through a
wide variety of engagements including Policy Advocacy, Bid Process
Advisory, Implementation of specific projects on PPP mode, in addition to
the thought leadership, knowledge partnerships and Research & Advisory
services to State & Central Government organizations for Specific sectors
mentioned earlier. The strength of this approach lies in the banks
capability to effectively integrate all stages of projects right
from conceptualization, structuring of projects, extending to
facilitating investments from the private sector.
Facilitating Business with the Government
SGA also works with the Government to participate in developing
innovative financial and banking solutions to cater to the unique needs of
the Public Sector, to secure empanelment for the bank and to identify
areas outside the current realm of engagement where banks can deliver
on their role as drivers of economic growth. These include working with
the Government showcasing mechanisms for better returns, convenience
in liquidity management, developing cashless payment and transaction
solutions, and efficiency across the financial supply chain between Union
Government, State Governments, Local Governments and citizens or
beneficiaries.
SGA has been working in partnership with a wide range of stakeholders
including Central government ministries, State Governments,
Bilateral & Multilateral Agencies, Key Educational Institutions,
Think-Tanks, Industry Associations/Chambers, International Trade

Bodies,
others.

Corporate

Partners

and

Voluntary

Groups

amongst

Through these efforts YES BANK has been able to build traction with
significant Knowledge Partnerships, policy interventions and
strategic thought leadership initiatives with Governments and
industry organizations. These initiatives have significantly increased
mindshare and have been widely appreciated. Knowledge reports that
have been distributed amongst key stakeholders and continuously
disseminated through YES BANKs extensive branch network have been
instrumental in the design of interventions by stakeholders.

Business Banking and Development in the Telecom Industry


The Indian Telecommunications Industry
India, the second largest telecommunication market in the world, is also
among the fastest growing mobile markets globally. Total number of
mobile customers in India has increased from approximately 0.3 million as
on March 31, 1997, to approximately 621.28 million as on March 31,
2010, with the mobile penetration rate increasing from 1.57% to
approximately 52.74% during the same period. This has been aided by
significant increase in network coverage, increased competition and
continual decline in tariffs and handset prices. Today, in each circle, there
are at least 7-8 telecom service providers vying for subscribers.
Key areas that will enable sector to grow further are increased mobile
penetration in the rural market (driven by reduced handset costs and
tariffs), increased revenues from data services driven by the launch of 3G
services, active and passive sharing of telecom infrastructure driven by
the need to reduce capital and operational expenses. Various
opportunities for investments exist in segments like: Telecom Passive
infrastructure, 2G Network expansion, Rollout of 3G / BWA services,
Switching / Transmission / Access equipments, Telecom Cables etc.
The YES Expertise
We, at YES BANK, believe that there is tremendous scope to launch
niche mobile banking products to meet the financial needs of customers

in this sector. We are fully equipped to provide specific solutions for the
telecommunication industry with the able efforts of a strong team of
industry specialists. These bankers have strong conceptual and
contextual familiarity with the industry, enabling them to optimally
service the underlying businesses.

Structured Financial Solutions for Media & Entertainment, Fine Arts,


Luxury & Sports
YES BANKs Media & Entertainment, Fine Arts, Luxury & Sports
Banking Group is a highly focused knowledge banking group committed
to the growth and development of these sunrise sectors through innovate
financial advisory and tailor made solutions. Depending on nature and
attributes of the underlying business, the group provides comprehensive
financial and banking solutions comprising of Strategic Advisory Services
(Business Plan, Entry Strategy, Joint Venture, M&A), Fund Raising (Debt,
Equity, Quasi Equity), Direct Financing (Long Term, Working Capital, Gap
Financing) and Wealth Management to companies and individuals
engaged in these sectors. In order to provide such diverse banking
solutions with utmost customer service to its clients, the M&E Banking
Group works with specialists from relevant banking divisions within YES
BANK.
Media, Entertainment & Sports Banking
YES BANK has demonstrated its commitment to Media & Entertainment
Banking by engaging in key landmark transactions for a range of Media &
Entertainment organizations in the broadcast, film and television content,
advertising, cable and satellite and new media space for their respective
financial and advisory requirements. The M&E Banking Group is
associated with landmark deals in the Indian M&E space including the IPO
of Indias largest animation company, the largest acquisition in the Indian
exhibition space, PE fund raising for Indias largest digital marketing
company and has won various Global M&A Advisor Awards.
Within the sports space, YES BANK has engaged in key landmark
transactions with various sporting associations and leagues for their
respective financial and advisory requirements. Additionally, we cater to

the financial needs of iconic sports infrastructure in India and have most
recently been the lead debt syndicator for the Buddh International F1
Circuit the venue for the Indian Grand Prix.
Fine Arts & Luxury Banking
YES BANK has institutionalized a specialized Luxury Banking Group
focusing on luxury products, retail infrastructure and allied areas. In line
with our philosophy of promoting luxury retail in India, we have built
relationships with several prominent retailers in India and have a deep
rooted understanding of the requirements of this sunrise sector.
YES BANKs Fine Arts practice has provided structured solutions and
advisory on setting up of art funds, and along with YES BANKs Retail and
Wealth Management initiatives, provides a knowledge based perspective
on investing in art as a long term and diversified asset class. Through its
privileged relationships & collaborations with leaders with demonstrated
track records in the art fraternity, YES BANK also provides art advisory,
insurance, authentification and valuation services.

SAY YES TO EDUCATION


Say YES to Education is a dedicated initiative of YES BANK to facilitate
Educational Institutes, Students and Academicians as part of its
knowledge driven approach.YES BANK continues to play a key role in the
education sector by providing thought leadership and innovative financial
solutions for advancement & benefit of the Learning Community.
At YES BANK, we understand the dynamics of your organization and offer
personalized banking solutions that will help you maximize your potential
along with superior and customized service advantage to cater to your
unique requirements.

Responsible Banking
YES BANK aims to build the Best Quality Bank of the World in India by
adopting the triple bottom-line ethos 'People, Planet and Profit' thereby

creating enduring value, competitive advantage and sustainability


leadership. Through various innovative initiatives, the Bank reaches out to
emerging sectors, untapped markets and underserved sections of society,
engendering inclusive and sustainable development. Our business
philosophy is cognizant of India's business, social and development
agenda and our sustainability focus is driven by Responsible Banking
(RB). We believe that as a commercial bank, the RB approach makes the
best use of our skills and resources and achieves the greatest impact in a
business-like, commercially viable manner addressing Social,
Environmental and Financial benefits, for us, our clients and our
immediate community by bringing about a systemic change rather than
an isolated one-off intervention. RB will continue to remain the
cornerstone of our strategy, ensuring the longevity of our business and
that of our clients, helping us mitigate risks and identify new markets
thereby perpetuating a virtuous cycle of economic prosperity and
balanced development and, at a broader level, be the Reference Bank
for the Indian financial community. Indeed, YES BANK was established
with a vision to create a commercially viable financial institution that
incorporates sustainability within its core business focus. Our unique and
innovative approach has moved away from philanthropy based CSR to
strategic sustainability encapsulated in our Responsible Banking (RB)
strategy which:

Aligns with our core business

Strategically differentiates the Bank in a crowded marketplace

Helps in developing financial solutions for developmental problems

Underpins each transaction via the Environment and Social Policy


(ESP)

The Responsible Banking division operates at two levels: (1) RB in


Action and (2) RB in Thought

Responsible Banking

Responsible Banking in Action -This includes 5 dedicated business


units providing financial solutions to address a range of socio
environmental development issues, focusing specifically on sustainability
sectors including clean energy, energy efficiency, sustainable livelihoods
and agricultural & rural enterprises.

Microfinance Institutions and Affordable Housing Group

Inclusive & Social Banking

Agribusiness & Rural Banking

Sustainable Investment Banking

Socially Responsible Investing

Microfinance Institutions and Affordable Housing Group (MIG): MIAG provides financial services and advisory to microfinance institutions
and the affordable housing sector
Inclusive and Social Banking (ISB): - ISB offers financial products to
the bottom of the pyramid in rural and urban India furthering the
important agenda of financial inclusion in India
Agribusiness and Rural Banking (ARB):- ARB provides financial
services to the agriculture sector and other allied sectors
Sustainable Investment Banking (SIB):- SIB provides financial
services and advisory to businesses in the clean energy, waste and waste
management sectors.

Responsible Banking

Responsible Banking in Thought - This unit focuses on sustainability


research, strategy formulation & reporting while working as a think tank
that incubates fledgling business models within the social and
environmental space. Liaising with a range of external stakeholders from
social enterprises, civil society organizations, multilateral agencies,
government bodies, socially responsible investor communities, academia
and sustainability practitioners among others, this team seeks to create

innovative, scalable and financial viable approaches to development.


Internally, the team works seamlessly with other parts of the Bank to
embed Sustainability principles within daily operations including
developing sustainability related employee engagement programs
(volunteering, ESG training and communications) and influencing/steering
business and risk management strategies.

HUMAN CAPITAL

Banking and Finance Sector's strongest employer brand YES BANK


YES BANK pursues a strong Employee Value Proposition of 'Creating &
Sharing Value' with a vision to build an organisation driven by Professional
Entrepreneurship, where all YES BANK'ers truly partner to direct, manage
and accelerate the development of YES BANK as the Young and Dynamic
Bank of "Emerging India".
YES BANK recognizes that the only real source of sustainable competitive
advantage for an organization is the power of its High Quality Human
Capital. Therefore, we foster a leadership mindset that embraces
meritocracy as a vital force to reward performance and exceptional
competency.
Our Objectives

To build a strong employer brand.

To attain a preferred employer status in the Banking and Financial


Services industry.

To ensure that the Bank is able to attract, engage and retain high
quality human capital for its long-term success.

Our Focus
The focus of the Human Capital function at YES BANK is to build a worldclass team based on professional recruitment methodologies to attract
the best talent in the industry.

While our immediate hiring has primarily been lateral, to bring the
relevant skills, competencies and experience into the organization, our
focus is on building the requisite talent bench strength to support the
business plans of the Bank. We are making a concerted effort towards
building learning and development solutions that continuously enhance
employee value, in line with the growth plans of the Bank.
Our Culture & Processes
Building a high performance culture is another key prerogative of the HCM
function. We envisage a credible and transparent performance
management process that helps in aligning individual goals with
corporate objectives, both quantitative and qualitative, and encourages
cross sell and team spirit. Our performance management process is
supported by a robust rewards and recognition strategy for each business
and a market based compensation structure that is flexible, responsive
and helps retention through asset building and wealth creation for top
performers. Our Promoters believe that a broad employee ownership of
the shares of the company has a positive impact on performance.
Therefore, our stock option scheme covers a large cross-section of our
employees.
The HCM function at YES BANK is working closely with leading
international
consultants,
including
Hewitt
and
Korn
Ferry,to
operationalize this strategy and ensure that the organizational
architecture of the Bank is operational and adequately supports its
business plans.

YES BANKs Learning & Development Initiatives


In todays dynamic Knowledge Economy, it is imperative for organisations
to build a high quality robust Human Capital talent pool that provides a
sustained Competitive Advantage. YES BANK emphasizes on a Knowledge
driven approach with the objective of focusing on capability development,
and becoming aspired as a Preferred Employer of Choice for the
brightest and best quality Human Capital.
Key Learning & Development, Talent Management and Leadership
capability building solutions are designed, developed and delivered under

the aegis of YES SCHOOL OF BANKING (YSB). YSB was institutionalized


in 2007 with a vision of creating a Centre of Excellence to assess,
stimulate, support, and deploy innovative approaches to augment Human
Capital by equipping Executives with skills and knowledge that are based
on its strategic business goals as well as specific job requirements.
YSB Learning Solutions focus on the edge of traditional practices and
approaches. Such
edge endeavours,
have some important
characteristics:

Nimble and have the potential to scale

Differentiated from core practices, and aligned to impacting tangible


business metrics

Intensely aspirational, motivated by an unusually strong sense of


unwavering commitment and speed, execution and sense of
urgency

This third characteristic is the most important of all. Only this kind of
intensity, born of a desire to lead within a symbolic frame can bring
about cultural transformation and the leapfrog innovations that are truly
breathtaking.
In addition to institutionalizing Learning & Development (L&D) initiatives
in the Bank, YSB further anchors the UNIVERSITY & SCHOOL
RELATIONSHIP MANAGEMENT (USRM) program which plays a pivotal
role in building the YES BANK brand as a Preferred Employer of
Choice amongst the best B-Schools in India and Ivy League Schools
overseas.
Apart from the wide array of L&D programs that YSB facilitates, some
unique methodologies have been created and executed to ensure faster
and better access to learning initiatives.
Learning & Development Deployment Methodologies:

YSB Internal and Knowledge Trainers: This is a knowledge


initiative aimed at ensuring effective and customized knowledge
transfer within the bank by utilizing our In-house Knowledge Experts
(on products/process/banking domain) as Specialist Knowledge

Trainers. This unique methodology ensures that all YES BANKers get
adequate training across all locations in the fastest possible manner.
Apart from this we also have External Trainers to keep us in keeping
track with new methodologies.

Online Learning Solutions: YSB in association with Kwench


facilitates an online library solution which helps Executives access a
wide variety of books as well as Harvard Business Review
Magazines.. They have an option of borrowing and returning books
(delivered at their desk) at the click of a button online.

My Learning@YES: YES BANKs very own Learning Management


System (LMS) which offers customised online learning modules for
all businesses thereby enabling us to leverage technology to impart
self-paced e-learning programs to YBL executives.

Talent Management Initiatives:

University & School Relationship Management (USRM) is YES


BANKs structured approach of partnering with the best B-Schools in
India & abroad, to create an ongoing engagement and knowledge
sharing platform at these Institutions. Over the years, USRM has
played a pivotal role in building the YES BANK brand as a Preferred
Employer of Choice. (know more)

YES Professional Entrepreneurship Program (Y-PEP) is one of


YES BANKs most innovative and institutionalized Talent Acquisition
program aimed at hiring the best available management
professionals from the Premier B-Schools in India and select foreign
Universities. The program, launched in 2006, aims to foster young
leadership by placing the participants in challenging roles and
projects and driving high performance through structured Induction,
learning programs, and mentorship by senior management,
inculcating prudent risk taking attitude and developing Leadership
qualities. (know more)

Talent Management & Leadership Development


Program: YES BANK fortifies a strong leadership development
framework which aims at identifying and developing potential YES
BANKers to build a talent pipeline to support future growth plans of
the Bank along with meeting the career development expectations
of high potential executives.

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