Brand EthosYES BANKhas 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 customersThe name YESIn 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 MissionVision: To be recognized as the Finest Quality Bank of the World in India by 2020 To evolve as the Professionals Bank of IndiaMissionTo 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 ValuesWe take immense institutional pride in YES BANKs10 Years of Institutional Excellence, wherein YES BANK, Indias fourth largest private sector bank, has evolved an institutional character as theProfessionals Bank of India. Over the past 10 years, under the finest leadership of ourManaging 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 ofProfessional Entrepreneurship & Execution. YES! We believe inIntegrity: We strive to maintain the highest standards while dealing with all our stakeholdersPride: We take pride in YES BANKs accomplishmentsCredibility: We ensure stakeholders faith in us at all times ensuring ethical and transparent actions, while upholding and safeguarding YES BANKs Code of ConductRespect: We respect our stakeholders & create value through sustainable relationshipsOwnership: We take ownership of contributing to YES BANKs Success and keep our Vision & Values at the forefront of decision makingInnovation: We set high standards of professional excellence by encouraging innovative ideas and solutionsAgility & Speed: Our Agility & Speed of Execution sets the pace for achievement and success in all our endeavorsProfessionalism: 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 teamsBrand PillarsThe 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 qualityHuman Capitalrepresents 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 toResponsible Bankingby focusing on Sustainability and Social Responsibility

YES Money PlantTop of FormThe 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 BANKhas 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 IndiaBottom of Form

Corporate Banking and Institutional Banking ServicesAt 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 drivenbankingsolutions 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 focusedCorporate Bankingservices 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 SolutionsAll 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 BankingBy 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 growth-focused, fast-paced enterprises that are emerging as leaders in their respective industry domains, through YES BANK'sKnowledge Bankingapproach, 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 Financeand 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 GovernmentIn our quest to partner with Government of India's commitment to progress and development,YES BANKhas 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 theKnowledge BankingApproach 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 Funds3. Insurance Companies4. Non-Banking Finance Companies (NBFCs)5. Housing Finance Companies (HFCs)6. Private Equity Funds7. 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, theBankin 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)AtYES 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 DedicatedKnowledge Bankingteams, Indian Market Expertise, World Class Banking solutions and Service Excellence, positions us favourably to become the "Preferred HOST COUNTRY BANK for MNCs"

Transaction Banking GroupThe 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 Servicesoffer 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. TheTrade Finance& Servicesis 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 Post-Shipment Credit. TheCapital Marketsdomain 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 implementedunique & customized product propositionsfor specific industry verticals, at times playing a pioneering role in the market.YES BANKhas 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 credibilityCash Management ServicesIn 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 CustomersIt has been our constant endeavour to offer cutting-edge solutions thus benefiting our customers on various fronts including: Enhanced LiquidityLiquidity for the corporate is enhanced by reduction in the Day Sales Outstanding (DSO) Reduced Commercial/settlement riskRisk associated with the transactions are greatly reduced by providing timely and accurate information Administrative EaseThe load for the corporate administration is drastically brought down by outsourcing of the payables and receivables processes. Improved returnsOptimal returns on surplus funds are ensured by providing liquidity and investment services. Superior Cash ProjectionsBetter 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 EnterprisesThe Capital Markets & Escrow Account Services under theTransactionBankingproduct 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 & ServicesYES 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 BANKBacked 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.TheBankhas 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, cross-asset 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 ProductsOur 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 IncomeBacked 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.TheBankhas 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, cross-asset 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 IncomeFM 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 BANKhas 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-SLRForeign ExchangeBacked 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.TheBankhas 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, cross-asset 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 ExchangeThe 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 ManagementBacked 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.TheBankhas 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, cross-asset 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 ManagementThe 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 SolutionsBacked 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.TheBankhas 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, cross-asset 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 SolutionsWe, 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 ServicesOur Corporate Finance team offers our Corporate, InstitutionalBusiness Bankingclients 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 UndertakingsWe, atYES 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 MarketsGroup, 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 Buy-Outs, 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 FinanceDriven 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. Theknowledge bankingmanagers have proven project financing capabilities in several infrastructure sectors: Power Transportation Telecom Urban InfrastructureThe team had several marquee transactions to its credit, with some of the best names in the industry.

Structured FinanceThe 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 debitcapital market(First such transaction in the Microfinance Industry) Discounting of rental receivables Securitization transaction Agriculture loan pool buyouts Microfinance loan pool buyouts

Realty BankingTop of FormThe team providesadvisory and funding serviceslike 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.Bottom of Form

Advisory & SyndicationsThe team provides comprehensive syndication services to clients of YES BANK. With its proven domestic andinternational bankingcredentials, 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 EquityThe 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 BankingYES 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 tobankingenables 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 AdvantageOur Key Strengths Excellent track record: Our core InvestmentBankingteam 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. 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 value-added 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 andcapital markettransactions across a wide range of sectors such as Engineering, Food&Agri Business, Financial Services, Pharmaceuticals, Textiles, Technology, Auto Components and Real Estate.

Products And ServicesAt 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 andbankingrelationship 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 Fund RisingMergers and AcquisitionsEquity Capital MarketsRestructuring & PrivatisationBrokerage Service

Food and Agribusiness

Life Sciences & Biotechnology

Telecom

Information TechnologyVenture and growth capitalStructured investment / convertible productsMezzanineFinancingsBuyout by financial sponsorsSell and buy side advisoryJoint VentureCross border strategic and financial advisoryInbound Investment AdviceIPO Advisory ServicesOpen offer advisoryRight Issue AdvisoryPrivate PlacementsShare Buy BacksCapital RestructuringAdvisory Services on StructuredAuction TransactionsDistressed debt and equity layoutsInstitutional PlacementsCreeping Acquisitions

Global AccessIn 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 investmentbanks. 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 SuiteTop of FormOur Investment Banking group offers the following range of products to our clients: Private Equity Syndication : Raising venture and growth capital Structured investment/convertible products Mezzanine Financings Buyouts by financial sponsors Financial Advisory: Comprises of advisory assignments with respect to: Mergers and acquisitions Divestitures Joint ventures Spin-offs EquityCapital Markets: Comprises of advisory assignments with respect to: IPOs Open offers Rights issues Private placements Share buy backs Restructuring & Privatizations: Includes advisory on: Capital restructuring Distressed debt Equity buy outs Brokerage Services: Comprises of secondary placement of equity with institutionsBottom of Form

International BankingYES-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 ManagementPayments Services Inward & Outward Remittances of foreign currencies Financial Market products such as Derivatives, Forex & HedgingYES-International Banking team caters to a diverse set of customers including foreignbankswith 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 & NBFCsWith 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 HousesYES -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 Bankingas 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 HousesYES- Inward RemittancesOur 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.TheBankuses 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 BureauKuwait Kuwait India International Exchange CompanyQatar Al Dar For Exchange WorksOman Modern Exchange Oman & UAE ExchangeAustralia Foreign Exchange Central Pty Ltd

Authorised DealersYES -International Bankingoffers 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 DraftsYES 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, Non- Profit 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)AtYES 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 DedicatedKnowledge Bankingteams, Indian Market Expertise, World Class Banking solutions and Service Excellence, positions us favourably to become the "Preferred HOST COUNTRY BANK for MNCs"

BRANCH BANKINGPersonal Branch BankingA 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.OurKnowledge Bankersprovide 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 BusinessAt 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: Wide variety ofcurrent accountswith best in class features to suit your business needs. YES FIRST Business programme Premium Banking Servicesfor high net worth businesses Trade and Foreign Exchange Services

YES FIRST Designed for a discerning fewAtYES 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: Lost Card Liability Protection: INR 1,00,000 Card Purchase Protection: INR 25,000 Personal Accident Insurance: INR 15,00,000 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 ExpertiseOur 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 rebalancingOur 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 Car rental & Limousine Referral and Reservation Assistance Hotel Referral and Reservation Assistance Travel Referral and Reservation Assistance Special Events and Performance Assistance Restaurant Referral and Reservation Assistance Movie tickets assistance in select cities Flower & Gift Delivery Automobile Assistance Emergency Towing Assistance 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 ServicesYES BANK is a state-of-the-art, high-quality, customer-centric, and service-driven private Indian Bankcatering 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 sectorBank, 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 customizedfinancialsolutionsfor your specific needs, and through our widespectrum 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 ofinvestmentopportunities 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, clickYES2CALLto receive an instant call back from us. No matter where you are across the globe.

Retail Loan ServicesYES 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 OnlineWe, atYESBANKare 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 Insurancea. ExtraCare- 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.BuyOnlineb. FamilyFloater 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.BuyOnlinec. IndividualHealth Guard- It takes care of your hospitalization expenses and offers a wide coverage of pre- and post-hospitalization expenses.BuyOnline Motor Insurancea. Twowheeler Insurance- The two wheeler insurance policy provides a hassle free protection to your bike or scooter against physical damage, theft and third party liability.BuyOnlineb. Carinsurance- 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.BuyOnline Travel Insurancea. TravelCompanion- The Travel Companion and overseas travel insurance policy is a comprehensive package which provides complete medical and health cover to the international traveler.BuyOnlineb. TravelElite- 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.BuyOnlineLifeInsuranceAt YES BANK, we aspire to create value for our customers and stakeholders alike. To achieve this,YESBANKhas 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.CardsWelcome 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

NetBankingYES 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 RegistrationthroughDebit Cardand PIN Enhanced security withTwo Factor Authentication Access multiple NetBanking functions usingONE screen View account detailsforSavings Account,Current Account,Fixed Deposit,Recurring Deposit,Mutual FundandDemat 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 throughGoal Based Savings Online Bill paymentfor utilities like Electricity, Telephone, Subscription Payments along with Charity and Donations Track your money performance through state-of-the-artMONEY MONITORfacility Set upStanding instructionsfor transferring fixed amount at particular intervals

YES BANK NetBanking RegistrationTo register forYES BANK NetBankingusing YES BANK Debit Card &ATM PIN:1. Log on towww.yesbank.in2. 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 PIN5. Create your NetBanking Password6. 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 branch2. Log on towww.yesbank.in3. 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 post6. Change your password immediately after logging into NetBankingPlease keep the following instructions in mind while creating a secured password for NetBanking:1. Length of the password should be between 10 to 14 characters2. Password should contain at least one lowercase & one uppercase alphabet3. Password should contain atleast one numeric character4. Password should contain atleast one special character from the following!~^;:?=@#%${}|[]_()*,-.5. Password should NOT contain any space between the charactersSteps to claim Discount Coupons after NetBanking Registration:1. Register for Retail NetBanking2. 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.inand enter the password4. Select the Coupons as per your choice5. Enter Mobile Number and E-mail ID.6. Selected Coupons will be e-mailed directly by Coupondunia7. Access the coupon received in the e-mail and redeem at the merchant websiteImportant 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 ServicesFinancial Services Transfer funds between your accounts,or third party accounts held withYES BANKor 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 ofFixed Deposits,Recurring DepositsandGoal 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 requestsInformational 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 managerService 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 BANKMobile BankingapplicationOther Services Quick Bill Payment usingYES PayNow Online Donationto religious and charitable institutions Ecommerce payments option using YES BANK Net Banking on multiple websites

NetBanking Security Features Single Access KeyOur 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 AuthenticationOur 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 ofbanking onlinewithout the need to remember multiple passwords 128 bit SSL EncryptionA 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 CertificationOur NetBanking services are certified by Verisign as a Verisign secure site. YES AlertsReceive e-mail or SMS alerts on all your banking transactions, keeping you updated on any activities happening in your account Security Tips 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.inimmediately

Mobile BankingTop of FormYES BANK's Mobile Banking ApplicationYES MOBILEmeets all yourbankingneeds 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 ServicesMerchant Services

Balance EnquiryBill Payments

Mini StatementDTH

Funds TransferTravel

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/-Bottom of Form

Getting started:Top of FormRegister for Mobile Banking To register forMobileBanking, you need to be registered forYES BANK NetBanking Your Mobile Number should be updated with YES BANK To receive the URL for application download,SMS "YESMOB"to567678from the mobile number registered with YES BANK You can set your own MPIN on IVR as a part of registration process for the MobileBanking applicationBottom of Form

Download MobileBanking ApplicationTop of FormYES BANK introduces MobileBanking Application to fulfill all your banking needs, while you are on the move.Now you can bank withYES 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 StoreBottom of Form

Receiving MPINTop of FormYou can set your own MPIN on IVR as a part of registration process forMobileBanking.You can also reset your MPIN by using "Secret Question Answer" using the Forgot MPIN option.Bottom of Form

Mobile Money Identifier (MMID)Top of FormMobile 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 < Last six digits of your account number linked to the mobile >" to567678 To deactivate the MMID and stop IMPS for your YES BANK account, SMS "MMIDCANCEL < Last six digits of your account number linked to the mobile >" to567678Bottom of Form

IMPS:Person to PersonTop of FormImmediate 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 applicationas demonstrated in the screen shots below:

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Person to MerchantTop of FormPerforming P2M PUSH transaction through MobileBanking Application:1. Login to MobileBanking Application using your YES BANK Retail NetBanking login credentials2. Select Banking Services and then selectIMPS (Immediate Payment Service)option3. Select the Account through which the transaction needs to be executed4. In the sub-menu, selectIMPS Merchant Payments option5. Enter details: Merchant Mobile Number, Merchant MMID, Amount, Payment Reference6. Confirm and then EnterM-PINfor execution of the transaction7. Transaction status will be displayed on the screen8. Transaction status will also be sent as an SMS alert on the customers mobile numberBottom of Form

SMS BankingTop of FormOur 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:OurMobileBankingfacility provides you with an extensive range of services at your fingertips. So you can carry banking transactions with ease.DescriptionSMS KeywordExample

Mobile RegistrationYESREGYESREG

Account Balance InquiryYESBALYESBAL

Last 5 transactions in the accountYESTXNYESTXN

Cheque Status InquiryYESCSTYESCST

Stop Cheque RequestYESSTPYESSTP

Chequebook RequestYESCHQYESCHQ

Details of fixed deposits linked to the accountYESFDQYESFDQ

Request for an account statementYESSTMYESSTM

List of all above supported RequestsYESHLPYESHLP

In case of multiple accounts linked to same Cust ID, kindly provide the relevant account number at the end of the requests. Example: YESSTP

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 limitBottom of Form

*99# BankingYES BANK customers can now avail basic banking services using USSD channel(Balance enquiry, Last 5 transactions, Know MMID and Generate OTP) How to use? Justdial *99#from registered mobile number to initiate the USSD session EnterYESorYESBto 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 BankingStay in touch with your bank even on aMissed CallRegistration ProcessYou can register for Missed Call banking by sending an SMS YESREG 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 09223921111Please 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 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 SolutionsYES BANKbrings 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.

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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 MoneyYES BANKhas 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 DomesticRemittance Servicewhich 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 CorrespondentsThe 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. Ltd10. 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 AccoladesYES BANK Money has also won the following awards:1. Skoch Renaissance Award - Nurturing Creativity & Innovation 20142. MasterCard Payment Innovation Awards 2014 Best Prepaid Card Program3. Financial Inclusion & Payment Systems Award 20134. CIO 100 Award 20135. NASSCOM Social Innovation Honours 20136. Golden Peacock Innovative Product / Service Award 20127. Innovation in payments award at the Financial Insights Innovation Awards, 20128. Certificate of Appreciation at the NASSCOM Social Innovation Honours 20129. Dataquest Emerging Leaders in Business Technology 2012 at DQ Live Awards10. Finnoviti Awards 2012 - Jury Voting and Peer Voting Awards11. Diamond Edge Awards - Innovation - 201212. Computer Society Of India Banking and Innovation 2012

YES TOUCH ServicesAtYES 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 andPhone Bankingservices. Ensuring that we work for you round-the-clock, irrespective of whether youre at home, at work or on a holiday.

Safe Deposit LockersSafe Deposit Lockers atYES BANKoffer 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 forYES FIRSTcustomers Safety & Security of your belongings Nomination facility availableWho is eligible?Lockers can be hired by Individuals, Corporate body, Associations, Society