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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:
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:
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
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.
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.
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"
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:
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.
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.
Local Corporates
Multinational Companies
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:
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.
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.
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)
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.
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:
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:
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
Al Ghurair Exchange
Al Falah Exchange
Al Fuad Exchange
Modern Exchange
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
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.
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
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
^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.
Lifestyle Privileges
Complimentary Access to Domestic airport lounges* (Click Here For the list)
Automobile Assistance
o
Emergency Towing Assistance
o
Roadside Repair Assistance
Home Assistance
*Powered by MasterCard
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.
Gold Loan
Home loans
Personal Loans
Dealer finance
Personal Loan
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.
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
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
Log on to www.yesbank.in
2.
3.
4.
Enter your Customer ID, Debit Card Number & ATM PIN
5.
6.
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.
4.
5.
6.
Please keep the following instructions in mind while creating a secured password for
NetBanking:
1.
2.
Password should contain at least one lowercase & one uppercase alphabet
3.
4.
Password should contain atleast one special character from the following
!~^;:?=@#%${}|[]_()*,-.
5.
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.
5.
6.
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
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 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
Download Deposit Slip, Form 16 A TDS certificate and Gujarat Govt VAT(Challan)
Other Services
Ecommerce payments option using YES BANK Net Banking on multiple websites
Security Tips
o
Do not share OTP with anyone, even if the person claims to be a YES BANK official
Set up either email or SMS alerts on your NetBanking account for all transactions
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
Cheque status
Stop Payment
Cheque Book request
Fixed Deposit Enquiry
Amount limits:
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
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.
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.
4.
5.
Enter details: Merchant Mobile Number, Merchant MMID, Amount, Payment Reference
6.
7.
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
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.
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
2.
3.
4.
5.
6.
7.
8.
9.
2.
3.
4.
5.
6.
7.
8.
9.
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
MSME Banking
YES Samriddhi
The YES Samriddhiproposition is a financing proposition designed to
meet the requirements of businesses engaged in trading,
manufacturing and services.
Features
Loan
Amount
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
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
Loan Amount
Facility Type
Security
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
Loan
Amount
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
Features
Margin
Amount
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
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
Features
Loan
Amount
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
Features
Loan Amount
Security
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
Loan
Amount
Facility Type
Fund Based
Non Fund Based
Security
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.
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
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
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.
Advisory Services:
We offer advisory on a variety of subjects such as:
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
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.
our customers.
Forex and Trade Finance Services
A State of the art electronic banking platform with real time online
account access.
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.
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:
Food Processing
Herbal Medicines
Integrated Warehousing
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.
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:
The infrastructure focus of YES BANK is also clear from its advances to,
and high single- and group-borrower limits for, the sector:
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).
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
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.
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.
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.
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.
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
Responsible Banking
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
HUMAN CAPITAL
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.
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:
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.