YES BANK

Operations started - August,2004

Headquarters
- Mumbai
Promoters
- Mr. Ashok Kapoor &
Mr. Rana Kapoor (29%)
Branches
- 750
Balance sheet size -1090.2 billion INR

CHAIRMANS MESSAGE
The
sustained
success of our Bank
is based on the key
pillars of Growth,
Trust, Technology,
Knowledge driven
Human
Capital,
Transparency
and
Responsible
Banking. "

LISTING AND SHAREHOLDING

YES Bank's equity shares are listed onBombay Stock Exchangeand the
National Stock Exchange of India.

Shareholders (as on 31-Mar-2013)

Shareholding

Promoter Group

25.72%

Foreign Institutional Investors (FII)

48.95%

Individual shareholders

09.44%

Insurance Companies

09.27%

Banks/Financial Institutions/Mutual
Funds/UTI

03.87%

Others

02.75%

Total

100.0%

PRODUCTS AND SERVICES

Corporate and Institutional Banking:
This involves providing, for a fee, financial advice to
customers, generally corporate or individual investors.
Commercial Banking:
It is essentially the equivalent of retail banking for
commercial entities, but is however generally more
expensive and accounts yield less interest.
Investment Banking:
It consists of domestic and cross-border Mergers and
Acquisitions, Joint Venture Advisory Services, Private
Equity Placement as well as Merchant Banking
Services across select industry verticals.

Continued . . .

Corporate Finance- YES BANK's Corporate Finance

practice offers a combination of advisory services and
customised products to optimize risk based on
"Knowledge Arbitrage
Financial Market- The Financial Markets (FM) business
model provides Risk Management solutions related to
foreign currency and interest rate exposures of clients.
Branch Banking:

Business Banking

Retail Banking:

AWARDS AND RECOGNITION

YES BANK won the Golden Peacock Award for
Corporate Social Responsibility 2013
YES BANK was awarded with 'The Strongest
Bank Balance Sheet in India' by the Asian
Banker Magazine.
YES BANK won four awards at the 4th CMO Asia
Awards for Branding & Marketing 2013.
YES BANK was voted India's 3rd Most Trusted
Private Bank in 2014 by Trust Research
Advisory, a brand analytics company.

MD & CEO
Rana Kapoor

Products

Investment
Merchant
Banking

Financial
Markets,
Economics
Knowledge
Banking

Corporate
Finance &
Development
Banking

Relationships

Transaction
Banking,
Liabilities
Product Mgmt.
&
International
Banking

Front Office

Commercial
Banking

Branch
Business &
Retail Banking

Corporate &
Institutional
banking

FAMILY FEUD
Main Issue-To appoint Shagun Gogia ,daughter of Late
Mr. Ashok Kapoor as a member of the board of directors
following his death in 26/11 Mumbai terror attacks.
YES bank was sceptical of Gogia passing the Reserve
Bank of India (RBI)'s direction of 'fit and proper' criteria
for appointment of directors on the board and therefore
rejected the proposal.
Madhu Kapur, widow of Ashok Kapur, Yes Bank's founderpromoter, has filed a suit in the Bombay High Court
alleging that Rana Kapoor, CEO and MD,Yes Bank is
attempting to deprive her and her children their rightful
place in the bank's management.

PRIORITY SECTOR LENDING

To promote development of low income
populations ,this mandate was passed by RBI &
GOI on recommendations of M V Nair committee.
40% of ANBC to be allocated towards Priority
sectors.
Most of the banks grumbled about it Yes Bank
made it its strength and through innovative
offerings became successful.

CATEGORIES UNDER PRIORITY SECTOR

I.

Agriculture

II. Micro and Small Enterprises

III. Education
IV. Housing
V. Export Credit
VI. Others

Categories

Domestic commercial banks / Foreign banks with

20 and above branches

Total Priority Sector 40 percent of Adjusted Net Bank Credit [ANBC defined in sub paragraph (iii) below] or credit
equivalent amount of Off-Balance Sheet Exposure, whichever is higher.

Total agriculture

18 % of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is

higher. All agricultural loans under the categories 'direct' and 'indirect' will be reckoned in
computing achievement under the overall priority sector target of 40% of ANBC or credit
equivalent amount of Off-Balance Sheet Exposure, whichever is higher.

Micro & Small

(i) Advances to micro and small enterprises sector will be reckoned in computing
Enterprises (MSE) achievement under the overall priority sector target of 40% of ANBC or credit equivalent
amount of Off-Balance Sheet Exposure, whichever is higher.
(ii) 40 %of total advances to micro and small enterprises sector should go to Micro
(manufacturing) enterprises having investment in plant and machinery up to`5 lakh and
micro (service) enterprises having investment in equipment up to`2 lakh;&
(ii) 20 % to above`5 lakh and up to `25 lakh, and micro (service) enterprises with
investment in equipment above ` 2 lakh and up to 10 lakh
Export Credit

Export credit is not a separate category. Export credit to eligible activities under agriculture
and MSE will be reckoned for priority sector lending under respective categories.

Advances to
Weaker Sections

10 % of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is

higher.

Continued . . .

Failure to meet the targets led to:

Placing the amount of shortfall in long-term
bonds( tenure of 7 years ) at below market rates issued
by National Bank for Agricultural and Rural Development
(NABARD)
Shortfall of PSL
Achievement

Interest Rate for the

Shortfall

Less than 2%

Bank Rate 6%

2% to 5%

Bank Rate 1%

5% to 9%

Bank Rate 2%

More than 9%

Bank Rate 3%

OBSERVATIONS
Close to 80 per cent of our rural households have no access
to banking services. There is a huge potential in offering
financial services to these under-banked households,
YES Bank has always crossed the mark set by RBI for
priority sector lending in the past four years.
The non performing assets (NPA) level has also been zero.
The bank has a net interest margin (NIM) of 3.2%. NIM of
the bank in priority sector is 1.5%.
To meet priority sector lending targets, the bank has been
working with channel partners that include micro-finance
companies and others for origination, monitoring and
collections
Generated surplus assets for selling down to other banks.

EXAMPLES
Honey Bee Farmers

Migrant Laborers

DEVELOPMENT BANKING
Divided into four parts-:
Agribusiness, Rural and Social Banking
Microfinance
Sustainable Investment Banking
Responsible Banking

RESPONSIBLE BANKING
YES BANK aims to build the Best Quality Bank of
the World in India by adopting the triple bottomline ethos 'People, Planet and Profit.
The Responsible Banking division operates at two
levels:(1) RB in Actionand(2) RB in Thought

AGRICULTURE RURAL BUSINESS LENDING

The Bank has a strong focus on sustainable business
solutions for Agriculture and Rural Issues of the country.
ARB is the Banks specialized group focused on fulfilling
the financial needs of agriculture and allied sectors.
It extends a range of banking products and services to
various stakeholders across the Agribusiness value
chain which has made it hugely successful in PSL.
This has been achieved by developing innovative
financial models, some of which have won national and
international recognition at various forums.

MICRO-FINANCE LENDING-YES SAMPANN

YES SAMPANN is the first institutionally sponsored direct

intervention model for microfinance in India started in
2007.
Bank decided to reach microfinance client directly by
providing Pyramid offering affordable, customized financial
services including credit, savings and insurance services.
Joint Venture with ACCION INTERNATIONAL Services.
Though YES SAMPANN is as yet at a pilot stage with
operations out of three urban branches serving 6,638
individual clients, it is strategically positioned to be a fullservice business group.

INCLUSIVE AND SOCIAL BANKING (ISB)

YES BANK has been focusing on inclusive growth of
emerging India.
For the Bank, financial inclusion is not just a social and
regulatory obligation but also a strategic business
opportunity.
YES BANK launched a special division,Inclusive & Social
Banking (ISB).
The mandate of ISB is to reach out to un-banked and
under-banked population by leveraging our branch
network, technology edge and relationship capital in the
Public, Private and Social sectors. For eg.-Yes Sahaj
Working with the guiding principle ofFrugal Innovations
for Financial Inclusion (FI4FI).

PROFIT & LOSS ACCOUNT

Income

2013

2012

Interest Earned

8,294.00

6,307.36

Other Income

1,257.43

857.12

Total Income

9,551.43

7,164.48

Interest expended

6,075.21

4,691.72

Employee Cost

655.54

475.15

Selling and Admin Expenses

203.03

Depreciation

51.71

40.82

Miscellaneous Expenses

1,468.29

776.76

Preoperative Exp Capitalized

Operating Expenses

1,334.53

944.1

Provisions & Contingencies

841.01

551.66

Total Expenses

8,250.75

6,187.48

Expenditure

Net Profit for the Year

1,300.68

977

Extraordionary Items

0.04

Profit brought forward

1,658.39

1,115.06

Total

2,959.07

2,092.10

Preference Dividend

Equity Dividend

215.17

141.2

Corporate Dividend Tax

34.91

22.91

Earning Per Share (Rs)

36.27

27.68

Equity Dividend (%)

60

40

Book Value (Rs)

161.94

132.49

Transfer to Statutory Reserves

370.63

269.61

Transfer to Other Reserves

-0.01

Proposed Dividend/Transfer to
Govt

250.08

164.11

Balance c/f to Balance Sheet

2,338.37

1,658.39

Total

2,959.08

2,092.10

Per share data (annualised)

Appropriations

BALACE SHEET

Capital and Liabilities:

Mar '13

Mar '12

Total Share Capital

358.62

352.99

Equity Share Capital

358.62

352.99

Share Application Money

Preference Share Capital

Reserves

5,449.05

4,323.65

Revaluation Reserves

Net Worth

5,807.67

4,676.64

Deposits

66,955.59

49,151.71

Borrowings

20,922.15

14,156.49

Total Debt

87,877.74

63,308.20

Other Liabilities & Provisions

5,418.72

5,677.28

Total Liabilities

99,104.13

73,662.12

Assets
Cash & Balances with RBI

3,338.76

2,332.54

Balance with Banks, Money at

Call

727

1,253.00

Advances

46,999.57

37,988.64

Investments

42,976.04

27,757.35

Gross Block

218.45

331.05

Accumulated Depreciation

161.98

Net Block

218.45

169.07

Capital Work In Progress

11.09

8.04

Other Assets

4,833.21

4,153.48

Total Assets

99,104.12

73,662.12

Contingent Liabilities

4,81,023.19

1,50,977.70

Bills for collection

10,851.42

Book Value (Rs)

161.94

132.49

THANK YOU