PowerPoint Presentation

Yes BankOperations started - August,2004Headquarters - MumbaiPromoters - Mr. Ashok Kapoor & Mr. Rana Kapoor (29%)Branches - 750Balance sheet size -1090.2 billion INR

Chairmans MessageThe 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 shareholdingShareholders (as on 31-Mar-2013)ShareholdingPromoter Group25.72%Foreign Institutional Investors (FII)48.95%Individual shareholders09.44%Insurance Companies09.27%Banks/Financial Institutions/Mutual Funds/UTI03.87%Others02.75%Total100.0%YES Bank's equity shares are listed onBombay Stock Exchangeand theNational Stock Exchange of India. Products and ServicesCorporate 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.

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 BankingRetail Banking:Continued . . . Awards and recognitionYES BANK won the Golden Peacock Award for Corporate Social Responsibility 2013YES 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.

ProductsRelationshipsFront OfficeFamily feudMain 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 founder-promoter, 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 lendingTo 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

Agriculture

Micro and Small Enterprises

Education

Housing

Export Credit

Others

CategoriesDomestic commercial banks / Foreign banks with 20 and above branchesTotal Priority Sector40 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 agriculture18 % 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 Enterprises (MSE)(i) Advances to micro and small enterprises sector 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.(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 to10 lakhExport CreditExport 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 Sections10 % of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is higher. 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 AchievementInterest 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%Continued . . .observationsClose 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 collectionsGenerated surplus assets for selling down to other banks.

examplesHoney Bee Farmers

Migrant LaborersDevelopment 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 bottom-line 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 full-service 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 ACCOUNTIncome20132012Interest Earned8,294.006,307.36Other Income1,257.43857.12Total Income9,551.437,164.48ExpenditureInterest expended6,075.214,691.72Employee Cost655.54475.15Selling and Admin Expenses0203.03Depreciation51.7140.82Miscellaneous Expenses1,468.29776.76Preoperative Exp Capitalized00Operating Expenses1,334.53944.1Provisions & Contingencies841.01551.66Total Expenses8,250.756,187.48Net Profit for the Year1,300.68977Extraordionary Items00.04Profit brought forward1,658.391,115.06Total2,959.072,092.10Preference Dividend00Equity Dividend215.17141.2Corporate Dividend Tax34.9122.91Per share data (annualised)Earning Per Share (Rs)36.2727.68Equity Dividend (%)6040Book Value (Rs)161.94132.49AppropriationsTransfer to Statutory Reserves370.63269.61Transfer to Other Reserves0-0.01Proposed Dividend/Transfer to Govt250.08164.11Balance c/f to Balance Sheet2,338.371,658.39Total2,959.082,092.10BALACE SHEETCapital and Liabilities:Mar '13Mar '12Total Share Capital358.62352.99Equity Share Capital358.62352.99Share Application Money00Preference Share Capital00Reserves5,449.054,323.65Revaluation Reserves00Net Worth5,807.674,676.64Deposits66,955.5949,151.71Borrowings20,922.1514,156.49Total Debt87,877.7463,308.20Other Liabilities & Provisions5,418.725,677.28Total Liabilities99,104.1373,662.12AssetsCash & Balances with RBI3,338.762,332.54Balance with Banks, Money at Call7271,253.00Advances46,999.5737,988.64Investments42,976.0427,757.35Gross Block218.45331.05Accumulated Depreciation0161.98Net Block218.45169.07Capital Work In Progress11.098.04Other Assets4,833.214,153.48Total Assets99,104.1273,662.12Contingent Liabilities4,81,023.191,50,977.70Bills for collection010,851.42Book Value (Rs)161.94132.49THANK YOU