The YES BANK Story

ACUMEN

CONVENIENCE

SECURITY

SPEED

AGILE

INSIGHTFUL

ASTUTE

RESPONSIBLE BANKING
RESPONSIBLE
BANKING

CLARITY

EXPERTISE

HUMAN CAPITAL
HUMAN
CAPITAL

OPENNESS

PROFICIENCY

TECHNOLOGY
TECHNOLOGY

CONFIDENCE

INTEGRITY

ASSURANCE

KNOWLEDGE
KNOWLEDGE

RESPONSIBILITY

TRANSPARENCY
TRANSPARENCY

TRUST
TRUST

Building the Best Quality Bank of the World in India

SUSTAINABILITY

CONSERVATION

ETHICS

May

RBI license to commence banking business

Aug

First branch at Mumbai & inclusion in second

schedule of the RBI Act

Aug

Launch of Corporate & Business Banking

Feb

ISO 9001:2000 certification for back office

operations

Jun

Maiden public offering of equity shares by the

Bank

Nov

Rana Kapoor, Founder, MD & CEO adjudged

Start-up Entrepreneur of the Year at the E&Y
Entrepreneur Awards 2005

Mar

FY2006-First full year of commercial

operations; Profit of INR 553 million, ROA 2%

Apr

YES BANK's Investment Banking Group was

ranked #1 in M&A 'Outbound Cross Border
Transactions' in the Bloomberg League Tables

Oct

November
Mar

Capital infusion by promoters and key

investors

Raised INR 1.8 billion of long-term

subordinated Tier II debt

Dec

2 0 0 3
2 0 0 4
2 0 0 5
2 0 0 6

Incorporation of
YES BANK Limited

Launch of YES SAMPANN INDIA, our

Financial Inclusion Initiative, in partnership
with ACCION International, USA

Apr

Announcement of Maiden Dividend at 15%

Launch of Version 2.0 - YES BANKs Next
Phase of Growth

Ranked as India's #1 Mid-Sized Bank (balance

sheet < R 50,000 cr) at the Business TodayKPMG Best Bank Survey & Awards

Jun
Nov
Dec
Jun
Aug
Dec

Rated as Best Mid-Sized Bank , 2012 - Business

Today KPMG Best Banks Survey and Awards ,
and the Best Mid-Sized Bank, 2012 by Business
World PwC Best Banks Survey

Mar

Awarded the Best Managed Bank in India

(2011-2013) by The Asian Banker

May

2 0 1 1

Raised USD 155 million & EUR 50 million by

way of Dual Currency Syndicated Loan Facility

MoU with IFC to boost International Trade

opportunities

Jun

Raised USD 225 million through a QIP

Received the presitigous Sustainable Bank of

the Year (Asia/Pacific) Award - FT/IFC
Sustainable Finance Awards 2012, London
second year in a row

Recommends Dividend for FY 13 at 60%

Aug

Raised USD 65 million of Subordinated Lower

Tier II Debt

Hiked Savings Deposit Rate to 7%p.a. and

NRE Fixed Deposit Rates to a peak of 9.6%p.a.

Retail Banking footprint expands to 500

branches covering all 28 states and 7 Union
Territories across India

Mar

Received the Fastest Growing Bank award

(balance sheet < R 30,000 cr) at the Business
World Best Bank Awards 2009

Launched the 1st FT-YES BANK International

Banking Summit 2011 taking Indian Banking
to the World

Raised USD 500 Million in Longer Tenure FCY

Loan and FCNR Funds in FY 2013-14
FIRST bank in India to receive the Business
Excellence trophy at the prestigious IMC
Ramkrishna Bajaj National Quality Awards

Jun May

Launched the Business Today - YES BANK

SME Survey & Awards

Received the prestigious Sustainable Bank of

the Year (Asia/Pacific) Award at FT/IFC
Sustainable Finance Awards 2011, London

Sep

Raised Hybrid Tier I Capital of R 1,540 million

2 0 1 2

YES BANK won the prestigious Emerging

Markets Sustainable Bank of the Year Award at
the Financial Times/IFC, Washington
Sustainable Banking Awards held in London

2 0 1 3

Jun
Mar
Jul
Dec
Jan

Raised R 3,640 million (USD 85 million) in a

combination of Upper Tier II Subordinated
Debt and Hybrid Tier I Capital from Rabobank

2 0 1 4

Mar
Aug
Sep

Selected as a Founding Member of the

Community of Global Growth Companies at
the World Economic Forum, Geneva

Jun

Launch of YES-International Banking

Dec

2 0 0 7
2 0 0 8
2 0 0 9
2 0 1 0

Raised R 1.98 billion of Upper Tier II capital

Raised USD 500 million through a global QIP

Recommends Dividend for FY 14 at 80%
First Indian Bank to receive the Global
Performance Excellence Award-2014 in the
Services Category by APQO, Chicago, USA
Received the 'Best Transaction Bank for
Payments' by The Banker's Transaction
Banking Awards, London

associated with the finest pedigree investors.

YES BANK a Full Service Commercial Bank, has
steadily built a Corporate, Retail & SME Banking
franchise, with a comprehensive product suite of
Financial Markets, Investment Banking, Corporate
Finance, Branch Banking, Business and
Transaction Banking, and Wealth Management
business lines across the country.

Recognitions
YES BANK has become the first bank in India to be
awarded the prestigious IMC Ramkrishna Bajaj
National Quality Award for Business Excellence in
the Services Category. YES BANK was recognized as
the Best Midsized Bank in the Business TodayKPMG study 2013. YES BANK was also recognized
as The Best Managed Bank in India for the 3-year
Period ( 2011-2013) and The Strongest Bank in India
by The Asian Banker Magazine for the 2nd year in a
row. YES BANK received the Achiever Award for
SME Enablement at the SKOCH Development
Summit & Awards 2014. YES BANK received the
Outstanding Sustainable Project Financing at the
Karlsruhe Sustainable Finance Awards 2014.
YES BANK was also awarded the Golden Peacock
Award for Corporate Social Responsibility 2013,
recognized as Sustainable Bank of the Year
Asia/Pacific at the FT IFC Sustainable Finance
Awards. In 2013, YES BANK also became the first
Bank in India to be awarded the ISO 14001:2004
Certificate for its Environmental Management
practices.
YES BANK became the first Indian Bank, and the
third globally in the banking industry to receive

Winner of RBNQ
Business Excellence
Award - Service
Category
2013

certification for its Complaints Management

System (ISO 10002:2004) by the British Standards
Institution (BSI) on August 25, 2010. YES BANK, also
became the first Indian Commercial and Retail
Bank to receive certification for its Quality
Management Framework (ISO 9001:2008) across
100 branches in the country by Bureau Veritas
(Global Leaders in ISO Certification) as on March 31,
2010.
YES BANK and its management has been honoured
with significant national and international
recognitions which include - Rana Kapoor, Founder,
MD & CEO receiving the 'Banker of the Year'
Award at the 36th SKOCH Annual Aspiring India
Summit and Awards 2014, World Trade Centre
Award of Honour 2014, The Best BANKER award at
The 4th Rajiv Gandhi Excellence Awards 2013, The
Asian Banker CEO Leadership Award 2013,
Distinguished Entrepreneur of the Year award at
the PHD Chamber Awards of Excellence 2012, the
Business Standard Banker of the Year 2011 and the
IBN7 Guru Shishya Award with Raakhe Kapoor, in
Business Category.

Best Mid-Sized Bank, 2013,

2012, 2010, 2009 & 2008
Fastest Growing & Strongest
Large Bank, 2011
Business Today - KPMG Best
Banks Annual Survey

The Strongest Bank Balance

Sheet in India, Dubai, 2013
Best Managed Bank in India for
the 3-Year Period (2011-2013),
Jakarta, 2013
Strongest Bank in India,
Singapore, 2012
The Asian Banker Leadership
Achievement Awards

Introduction

YES BANK, India's fourth largest private sector

Bank, is an outcome of the professional
entrepreneurship of its Founder, Rana Kapoor and
his highly competent top management team, to
establish a high quality, customer centric, service
driven, bank catering to the Future Businesses of
India. YES BANK is the only Greenfield Bank
licence awarded by the RBI in the last two decades,

Introduction

Introduction

YES BANK has received an International

Investment Grade rating - Baa3 long-term & Prime3 short-term from Moody's. ICRA (an affiliate of
Moody's Rating Service) & CARE upgraded ratings
for Lower Tier II bonds programme of YES BANK to
'ICRA AA+' and 'CARE AA+', respectively. ICRA
and CARE also upgraded the Upper Tier II bond

issue rating to 'ICRA AA' and 'CARE AA',

respectively. ICRA has reaffirmed YES BANK's A1+
rating for its on-going INR 100 bn Certificate of
Deposit programme and its short-term Fixed
Deposit programme, indicating the highest level of
safety in the short-term.

Key Financials
of private placement at a price of R 120 and R 225 per
share respectively. The Bank completed its maiden
QIP in Jan 2010 of R 1,034 cr at a price of R 270 per
share. The Bank successfully raised USD 500 mn
(R 2,942 cr) in June 2014 through QIP at a price of
R 550 per share.

YES BANK has recently announced the Q2FY15

Financial Results. Net Profit grew by 30.0% y-o-y to
R 482.5 cr in Q2FY15, Net Interest Income up 27.4% to
R 856.4 cr, Non Interest Income of R 505.6 cr, Net
Interest Margin expanded to 3.2%, Advances up
30.0% to R 62,029.6 cr and Deposits up 18.6% to
R 80,130.9 cr as of Sept 30, 2014.

YES BANK continues to focus on diversity and

granularity with continued investment in branches
and employees reflected in CASA ratio improvement
to 22.5% as on Sept 30, 2014 from 11.0% as on Sept 30,
2011.

The Bank completed its maiden IPO of 70 mn shares

in July 2005 Raising R 315 cr of capital at a price of
R 45 per share. The Bank has also raised equity capital
of R 120 cr in Dec 2006 and R 330 cr in Dec 2007 by way

1,400

25 Quarter CAGR
Advances: 32%, Deposits: 33%, Total Assets: 35%

1,200

billions

1,000
800
600
400

Total assets

6,000

25 Quarter CAGR
Net Interest Income 40% Non Interest Income 31% Net Profit 40%

8,000

Q2 FY15

Q1 FY15

Q4 FY14

Q3 FY14

Q2 FY14

Q1FY14

Q4FY13

Q3FY13

Q2FY13

Q1FY13

Q4FY12

Q3FY12

Deposits

Advances

9,000

Q2FY12

Q1FY12

Q4FY11

Q3FY11

Q2FY11

Q1FY11

Q4FY10

Q3FY10

Q2FY10

Q1FY10

Q4FY09

Q3FY09

Q2FY09

200

5,000

7,000
4,000

5,000
3,000
4,000
3,000

2,000

2,000
1,000

Net Interest Income (LHS)

Non Interest Income (LHS)

Net Profit (RHS)

Q2 FY15

Q1 FY15

Q4 FY14

Q3 FY14

Q2 FY14

Q1FY14

Q4FY13

Q3FY13

Q2FY13

Q1FY13

Q4FY12

Q3FY12

Q2FY12

Q1FY12

Q4FY11

Q3FY11

Q2FY11

Q1FY11

Q4FY10

Q3FY10

Q2FY10

Q1FY10

Q4FY09

Q3FY09

Q2FY09

1,000
-

millions

6,000

millions

Key Financials

Introduction

Rating

Since its early days, YES BANK has fully complied

with the recommendations of the Ganguly
Committee, and the provisions of the Banking
Regulations Act, the Companies Act, 2013 and the
Clause 49 of the Listing Agreement, in the formation
of its Board of Directors and other governance
requirements.
The Board of Directors also extensively engages with
the top and senior management leaders of the Bank
during various committee meetings of the Board.

Such engagements provide the Board with an

opportunity to mentor and groom the Bank's
leadership to take on additional responsibilities, and
also align them strategically with the vision of the
Bank.
These and other steps taken under the guidance of
the Board of Directors ensure that YES BANK
continues in its chosen path of evolving its
organizational character as the 'Professionals' Bank
of India'.

Non-Executive Chairpersons
Late Mr. Ashok Kapur

Mr. S. L. Kapur

Mr. M. R. Srinivasan

Ms. Radha Singh

From September, 2004

November, 2008

From January, 2009

April, 2012

From June, 2013

June, 2014

Since October 30, 2014

Board Members
Ms. Radha Singh

Non-Executive Part-Time Chairperson

Chairperson - Corporate Social Responsibility Committee, YES BANK
Former Union Agriculture Secretary, Government of India

Mr. M R Srinivasan

Non-Executive Non-Independent Director

Chairman - Risk Monitoring & Board Credit Committee, YES BANK
Former Chief General Manager in charge of Department of Banking Operations &
Development (RBI)

Mr. Ajay Vohra

Independent Director
Chairman - Audit Committee, YES BANK
Managing Partner of the Corporate,Tax and Business Advisory Law firm, Vaish Associates
Senior Advocate, Delhi High Court

Lt General (Retd.)
Mukesh Sabharwal

Independent Director, YES BANK

Former Lt General in Indian Army

Mr. Ravish Chopra

Independent Director, YES BANK

Former Managing Director of HSBC Private Bank (UK) Limited

Mr. Diwan Arun

Nanda

Independent Director
Chairman - Stakeholders Relationship Committee and Service Excellence, Branding &
Marketing Committee, YES BANK
Chairman & Managing Director Rediffusion Dentsu Young and Rubicam Private Limited

Mr. Brahm Dutt

Independent Director
Chairman-Nomination & Remuneration Committee, YES BANK
Former Secretary, Ministry of Road Transport & Highways, Govt. of India

Mr. Vasant V
Gujarathi

Independent Director, YES BANK

Ex- partner with PWC India

Mr. Saurabh
Srivastava

Independent Director
Chairman - IT Strategy Committee, YES BANK
Co - founder and past Chairman of NASSCOM

Mr. Rana Kapoor

Founder, Managing Director & CEO

Chairman - Fraud Monitoring Committee and Capital Raising Committee,
Vice Chairman - Risk Monitoring Committee, YES BANK
Effective October 30, 2014

YESBANK
BANK
- Board
Members
YES
- Board
Members

Corporate Governance

Key Differentiators

Key Differentiators

Key Differentiators
Knowledge Banking:

Technology:

YES BANK has

a d o p t e d a
Knowledge
driven approach
to offer financial
solutions, which
go beyond the
traditional realm of banking. At YES BANK, we are
committed to supporting the sustainable growth
and development of sunrise sectors like Food &
Agribusiness, Telecommunications, Information
Technology, Lifesciences, Renewable Energy,
Media & Entertainment, Manufacturing and
Textiles, among others.

YES BANK has

invested in
several state-oft h e - a r t
technology
initiatives and
successfully implemented them. Since inception,
YES BANK has pursued outsourcing, as part of its
strategy. The philosophy of the Bank has been to
engage with select partner companies who are
acknowledged leaders in their products or
businesses in developing specific solutions for YES
BANK, that are differentiators in the marketplace.

Responsible Banking:

Human Capital:
The Human
C a p i t a l
engagement
practices at
YES BANK are
targeted at
developing the
YES BANK brand
as an Employer of Choice. The Bank has focused
on attracting and retaining the best talent from
India and abroad. YES BANK aims to build a
culture and environment that supports
Professional Entrepreneurship, and is built on the
core principle of Creating and Sharing Value.

Organization Management Structure (5 levels)

83
Top
Senior: 333
Middle: 2,153
Junior: 2,932
General: 4,111
Total: 9,612*
*As of September 30, 2014

YES BANK's 'Responsible Banking' approach,

supported by its
'Triple Bottom Line'
focus, has enabled
the Bank to create
shared value for its
wider stakeholder
spectrum. Through
p i o n e e r i n g
initiatives and business solutions that weave
sustainable development into its core business
strategy, YES BANK has striven to take a leadership
role in delivering positive socio-economic impact
on the ground and creating a paradigm shift in the
industry's approach to inclusive growth and
national parity.
With a holistic approach towards sustainable
development and corporate social responsibility,
YES BANK has created qualitative and quantitative
impact through its sustained focus on financial
inclusion, environmental stewardship, thought
leadership and sustainable investing. With its
unique community engagement initiative, YES
COMMUNITY, the Bank has built strong relations
and triggered local action on pertinent socioeconomic and environmental issues by leveraging
its branches as knowledge sharing centres. YES
FOUNDATION, founded in 2012, expands the
Bank's sustainability footprint with its vision of
building an Empowered and Equitable India.
The Foundation's first initiative YES! i am the
Change is a nationwide movement to inspire
youth to contribute to India's social transformation
through the impactful medium of films.

Corporate Banking
The Corporate
Banking (CB)
business at YES
BANK provides
comprehensive
financial and risk
management solutions to clients having a turnover
of INR 500 crore and above. The relationship
experts across this business unit, offer an array of
services to Large Indian Corporate & Mid-sized
Corporate.

Commercial Banking
By continuously evolving sector-specific products
and services, YES BANK paves the path for a
brighter future for
E m e r g i n g
Corporates. At
YES BANK,
through the
foresight and
c o l l e c t i v e
knowledge of many minds, Commercial Banking
has been institutionalized nationally to service the
needs of today's growth focused, fast-paced
enterprises with an annual turnover between INR
100 crores and INR 500 crores. Commercial
Banking focuses on client companies in the "high
octane" middle market segment.

Government Relationship Management

(GRM)

Branch Banking
YES BANK believes in providing a holistic banking
experience to all its customers through its high
quality, state-of-the-art branch network, using
cutting-edge technology, a truly customer centric
offering, and significantly differentiated marketing
and branding strategies across major towns and
cities in India. Branch Banking at YES BANK
comprises of Business Banking & Retail Banking.

Business Banking
Business
Banking at
YES BANK is a
dedicated
business unit
to service
SMEs in India.
YES BANK
caters to all the service requirements of these
SME's across various product segments like
Cash Management, Payment Solutions, Direct
Banking, Liabilities and Investment
Management, Trade services and advisory.
YES BANK provides Fund based lending to
SME's with an annual turnover upto INR 100
crore. The core objective of Business Banking is
to easily enable SME access to finance (including
term finance), and business development
services, thereby fostering growth,
competitiveness and employment creation that
are key to achieving economic growth.
YES BANK has identified IT/ITES, Foreign
Trade, Logistics, Travel/Tourism, Media and
Entertainment, Gems and Jewellery, Trusts,
Societies & NGOs, Realty, Professional
Services and Others as Key Growth sectors of
the Indian Economy and has develop a suite of
specialized products for all their business needs.

The GRM Group at YES BANK understands the

financial needs of the Union and State Government

Relationship Segments

YES BANK provides a comprehensive range of

client-focused Corporate Banking and Commercial
Banking Services, including Working Capital
Finance, specialised Corporate Finance, Trade,
Cash Management & Transactional Services,
Treasury Services, Investment Banking Solutions
and Liquidity Management Solutions to name a
few. YES BANK is committed to provide innovative
financial solutions by leveraging on superior
product delivery. YES BANK covers the entire
gamut of customers through the following 5
specialized relationship groups:

undertakings and agencies in their progress and

development role of a Growing India through YES
BANK's Knowledge Banking approach. This is
further facilitated through YES BANK's
Technology leadership delivering proven, easy-touse solutions for Government Undertakings and
Agencies. YES BANK has provided financial and
advisory services to Ministries of the Union
Government, State Governments, Central & State
Public Sector Undertakings (PSU's) & Agencies.

Relationship Segments

Business Lines

Relationship Segments
Relationship Segments

Retail Banking
Retail Banking
caters to the
financial
needs of
individuals
and small
businesses,
with products ranging from savings account,
current account, term deposits, debit and prepaid cards, life and non-life insurance, wealth
management products to loans, including home
loans, personal loans, vehicle loans, gold loans
and loan against jewellery. YES BANK
categorizes its customers into three distinct
categories which are YES PROSPERITY, YES
FIRST and YES PRIVATE based on the
relationship size. YES BANKs Global Indian
Banking, an offering for the Non-Resident
Indian community, provides experiential
Banking to the Global Indians.
YES BANK serves its customers through an
extensive network, comprising of over 580
branches and 1150+ ATMs across the country
and innovative customer touch points including
contact centres, internet banking and mobile
banking.

Indian Financial Institutions

YES BANKs
Indian Financial
Institutions (IFI)
team helps
v a r i o u s
relationship and
product managers to offer a wide variety of
products including Debt, Trade Finance,
Guarantees, Treasury Services, Working Capital
Finance, Cash Management & Transactional
Services, Liabilities and Investment Management,
and Liquidity Management Solutions to YES
BANK's customers.
The IFI team leads YES BANK's efforts for raising
debt capital in the form of Tier I and Tier II bonds
from various Indian Institutions and offers an array
of services to: Domestic Banks (Govt. owned,
Private and co operatives), Mutual Funds,
Insurance Companies, Non Banking Finance
Companies (NBFC), Private Equity Funds and
Brokers (both Capital market and Commodity
market).
Microfinance:
YES BANK is committed to 'Creating Equal

Financial Opportunities and Enabling Financial

Inclusion'. In line with this view, YES BANK
through its Microfinance Institutions Group
(MIG) aims to facilitate access to suitable
financial products and services to unbanked
low-income communities across urban and
rural India. This Group focuses on commercially
sustainable Micro Finance Institutions to
provide innovative financial solutions to ensure
long-term sustainability and plays a pro-active
role in advocacy on policy and regulatory issues
to enable growth of the Microfinance sector.

International
Banking
International
Banking at YES
BANK continues
t o f u r t h e r
strengthen its
international strategy with a clear focus on
servicing the correspondent banks' businesses in
India. Additionally, the division provides a suite of
advisory services to international corporations
eager to either expand or enter the Indian market
under the aegis of a dedicated India Business
Facilitation Desk (IBFD).
International Banking at YES BANK caters to:
Foreign Banks, Multilateral Agencies, Foreign
Institutions such as US-EXIM, Coface, Euler
Hermes amongst others, Private Equity Fund
houses with a focus on India and NBFCs registered
in India and backed by Foreign banks.

Corporate Finance
YES BANK's Corporate Finance practice offers a
combination of advisory services and customized
products to assist clients in obtaining superior
financial returns and minimizing risk based on
"Knowledge Arbitrage". YES BANK's Corporate
Finance practice focuses on providing diversified
product offerings catering to specific industry
verticals that meet the precise requirements of
customers. YES BANK successfully provides
Infrastructure Banking and Project Finance
(IBPF), Structured Finance, Realty Banking,
Project Advisory & Syndications and Private
Equity (PE).

YES BANK has

expanded the
scope of customer
service right from
transaction
execution to
information
facilitation,
serving the core objective of optimal management
of all operational, administrative and regulatory
activities. The Transaction Banking Group at
YES BANK is a core product group focused on
Financial Supply Chain Management of
corporates and broadly consists of four specialized
product domains namely Cash Management and
Direct Banking Services, Liabilities and
Investments Management (LIM), Trade Finance
and Services, & Capital Markets, Escrow Account
and Securities Services.

Investment Banking
YES BANK's
Investment
Banking division
is based on a
balanced mix 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. The enviable cross-border
Mergers and Acquisitions (M&A) built by
YES BANK over the years, has led to the
development of a deep network of relationships
with Banks, Investment Banks and Advisory
Boutiques in countries across Asia, Europe, Africa
and the Americas. As an integral part of the cross
border M&A Advisory, YES BANK also plays a
pivotal role in assisting clients raise acquisition
finance from leading Indian and International
financial institutions.

Financial Markets
At YES BANK, the
Financial Markets
(FM) business
model is customer
centric and
provides effective
Risk Management
solutions related to foreign currency and interest
rate exposures of clients. FM assists clients in
creating a complete understanding of currency and
market rate risk faced by them with respect to

Agri & Rural Banking (ARB)

YES BANKs ARB
division addresses
the important area
of Agri lending
a n d R u r a l
Banking through
innovative
structured finance and risk management solutions
for supply-chain management and development of
agri-infrastructure.

Inclusive & Social Banking (ISB)

A special division launched with a vision to
mainstream sustainability within YES BANKs core
business operations and cognizant of the needs of 'The
Next Billion' customers. The genesis of ISB dates back
to December 6, 2006 when the Bank launched
YES SAMPANN, the first-of-its-kind direct
microfinance initiative in technical collaboration with
ACCION International. The mandate of ISB is to reach
out to un-banked and under-banked population (in
urban and rural areas) by leveraging YES BANKs
branch network, technology edge and relationship
capital in the Public, Private and Social sectors.
Working with the guiding principle of Frugal
Innovation for Financial Inclusion (FI4FI), ISB
continuously develops innovative business models
and forges partnerships for seamless implementation
of the same. Some of the key initiatives of ISB include
YES SAHAJ - Mobile Transaction Kit, YES MONEY domestic remittance service and YES LEAP - product
suite for Self Help Groups (SHGs). As on Sept 30, 2014
YES SAHAJ has recorded an aggregate transaction

number of 6.4 lakh with a transaction volume of

R 635 crore.
YES MONEY has more than 21,000 Business

Correspondent Agents enrolled through 16

Business Correspondents (Suvidha Infoserve Pvt
ltd., Hermes I Tickets Pvt Ltd, Easy Bill Limited,
Itzcash Card Limited, Sugal and Damani Utility
Services Pvt Ltd., Reliance Money Infrastructure
Ltd., SNP Services Private Limited, Pay Point India
Network Pvt ltd, Mos Utility Pvt Ltd, Eko India
Financial Services Pvt Ltd, Oxigen Services Pvt Ltd,
Beam Money Pvt Ltd, Seed Financial Services Pvt
Ltd, Mpurse Services Private Limited, FIA
Technology, Spice Digital Ltd) serving over 24 lakh
customers. Aggregate transaction number was 150
lakh with a transaction volume of R 6222 Crore.
YES LEAP has around 53,000 credit and saving

linked SHGs with a total loan outstanding of

R 625 crore.

Product Groups

Transaction Banking

Capital Raising, Investments, Exports, Imports

and any other market risks. YES BANK provides a
host of innovative and customized solutions to
clients to enhance returns and reduce cost of
financing through a host of product offerings
including Foreign Exchange Forwards, Options
and Swaps.

Product Groups

Product Lines

Partners
Partners

Organisation

Nature of Partnership

American Express

Co-branded Credit Cards

Bajaj Allianz

General Insurance

Vodafone

Telecom connectivity

Bill Desk

Online bill payment facility

FundTech

Cash Management and Financial Supply chain

CISCO

Technology Innovation & Infrastructure

CMC

NSDL Depository Participation (DP)

Cordys

Business Process Management

FIS

ATM and Card Payments Solutions

IBM

Infrastructure on demand

OFSS

Core Banking & Internet Banking

Intel Technologies

Wireless Fidelity (wi-fi) branch banking

MasterCard

International Gold & Silver Debit Internationalcards

Max Life Insurance Co. ltd

Life Insurance

Murex

Integrated Risk Management & Treasury

Microsoft

Enterprise Agreement for Servers, Desktops and other products

NABARD/NABCONS

Strategic Advisory for Food & Agri

NCMSL

Collateral management and Warehousing Services

NewGen Software

Business Process Management

NSIC

Financial Solutions & Advisory for Small Scale Industries

Nucleus Software

Retail Assets Platform

Portwise

Internet Banking Security

Reliance Communications

WAN MPLS Backbone and Data Centre Hosting

Servion Global

Integration Partners for the YES TOUCH Phone Banking Service

SIDBI

Financial solutions for SMEs

Sify Communications

Redundant WAN MPLS Backbone and ATM connectivity

Tata Telecom

Telecom connectivity

Wipro

Technology Outsourcing

Wincor Nixdorf

ATMs and Financial Kiosks

Yodlee

Online Personal Finance Management

BRANCH LOCATIONS
PUNJAB (53)
Adampur, Ajnala, Amritsar (2), Banga,
Banur, Barnala, Begowal, Bhatinda,
Bishanpura, Dasuya, Derabassi, Dhuri,
Firozpur, Goraya, Gurdaspur, Hoshiarpur,
Jalandhar (3), Jandiala, Kapurthala,
Kartarpur, Kharar (2), Kurali, Lohian Khas,
Ludhiana (4), Mahilpur, Mandi Gobindgarh,
Moga, Mohali (2), Morinda, Mukerian,
Muktsar, Nakodar, Nangal, Nawanshahr,
Nurmahal, Pathankot, Patiala,
Phullanwala, Rajpura, Rayya, Rupnagar
(Ropar), Sahnewal, Sohana, Sultanpur
Lodhi, Urmar Tanda, Zirakpur (2)

JAMMU & KASHMIR

NCR (143)

New Delhi - Ashok Vihar, Bhikaji Cama Place, Chandni Chowk, Chattarpur, Chawri Bazar, Connaught Place, Darya Ganj, Dwarka Delhi (2), East of Kailash, Greater Kailash 2, Green Park, Hudson Lines, Janakpuri (2), Jangpura, Jasola, Jhandewala,
Anantnag
Kalkaji, Kamla Nagar, Kapashera, Karol Bagh, Kashmere Gate, Kirti Nagar, Krishna Nagar, Lajpat Nagar, Malcha Market,
Srinagar Udhampur
Malviya Nagar, Mayur Vihar, Meera Bagh, Model Town, Mohan Co-operative, Naraina Industrial Estate, Nehru Place,
New Friends Colony, Okhla, Okhla Phase 3, Patel Nagar East, Pitampura, Preet Vihar, Punjabi Bagh, Rajdhani Enclave,
Katra
Rajendra Place, Rajouri Garden, Ram Vihar, Rohini (2), Sadar Bazaar, Saket, Shalimar Bagh, South Extension, Sunder
Jammu (2)
Nagar, Tilak Nagar, Vasant Kunj, Vasant Vihar, Vikaspuri
Dharamsala
Kangra
Haryana - Ajaib, Alipur, Atail, Badli, Badshahpur, Bahadurgarh, Bahamnoli, Bawal, Bhang Rola, Bhaini Chanderpal, Bhaini
Una
Surjan, Bharan, Damdama, Daula, Dhamar, Dharuhera, Dhor, Dundahera, Faridabad (2), Ganaur, Garhi Bazidpur,
Manali
Garhi Harsaru, Hayatpur, Gohana, Goela Kalan, Gurgaon (6), Haileymandi, Jakhoda, Jatal, Jatola, Jhajjar, Kabri,
Shimla
Paonta Sahib
Kankrola,
Kanonda, Karola, Khandewla, Khandsa, Kharak Jatan, Kherka Gujar, Kherla, Kulasi, Kundli, Ladpur, Lawa
Baddi
Mussoorie
Khurd, Manesar, Marot, Mehrana, Navarangpur, Nawada Fatehpur, Narnaul, Nilauthi, Panipat, Pelpa, Pilana, Rai,
Solan
Dehradun
Rehtoj, Samalkha, Samchana, Sankhol, Sikanderpur, Sonepat, Sunderpur, Taoru, Wazirabad
Rishikesh
UP
- Anupshahr, Baghpat, Dasna, Debai, Ghaziabad (3), Greater Noida (3), Gulaothi, Kasana, Khekra, Meerut,
Chandigarh (5) Dhampur Ramnagar
Modinagar, Noida (2), Sardhana, Shakarpur, Shikarpur, Siana
Rudrapur Rajasthan - Alwar, Behror, Bhiwadi, Dadar, Jatiyana, Kerwa Jat, Khairthal, Kithoor, Kisangarh, Neemrana,Toolera
Jaspur

HIMACHAL PRADESH

HARYANA (14)

PUNJAB

Ambala Cantt, Cheeka, Dhand,

Fatehabad, Jind, Kaithal, Kalka,
Karnal, Narwana, Panchkula, Pinjore,
Safidon, Tohana, Yamuna Nagar

UTTARANCHAL

HARYANA
Jhajjar
New Delhi

Kashipur

Saharanpur

DELHIMoradabad

ARUNACHAL

NEPAL
Mathura Aligarh Bilari
PRADESH
Bareilly
Kishangarh
SIKKIM
Nokha
Gajraula
Pilani
Itanagar
RAJASTHANNeem-ka-Thana Kosi Kalan Shrinagar-Hathras
BHUTAN
Gangtok
Sibsagar
Merta City
Barabanki
Dayalbagh
Nagaur
Alwar Agra (2)
Jodhpur
Jorhat
Firozabad
Gorakhpur
Jaipur
(3)
Bilara
Balotra
Dausa
Siliguri
Tezpur
Kanpur (2) Lucknow
ASSAM
Nasirabad
Guwahati (3)
Barmer Jalore
Niwai Gwalior
NAGALAND
Deogarh
Bhilwara
Varanasi
UTTAR
PRADESH
BIHAR
Bhinmal Rajsamand
Dimapur
Kunda
Deoli Jhansi
Shillong
Shahapura
Abu Road
Patna
Allahabad
Sumerpur Chittaurgarh
Deesa Nathdwara
MEGHALAYA Silchar
Kota
Dhanbad
Imphal
Unjha Udaipur
MANIPUR
Jhalawar Vidisha
Vijapur
BANGLADESH
Gandhinagar
Nidharad
Gandhidham
Chas Bokaro
Banswara
GUJARAT
Raisen
Agartala
Sehore
Adalaj
JHARKHAND Asansol
Bodakdev
Bhopal (2)
TRIPURA
Aizawl
Ahmedabad (6)
Bardhaman
Jamnagar Sanand
Ranchi
Kalyani
WEST
Ujjain
Dewas Mandideep Jabalpur
Durgapur
Rajkot (2) Bavla Rupal Halol
Howrah
MIZORAM
Itarsi Pipariya
Adityapur
Baroda
(3)
Indore
(2)
BENGAL
Vallabh Vidya Nagar
Dwarka
Kolkata (7)
DharMADHYA PRADESH
Bodeli
Jamshedpur
Anand Vadsala
CHHATTISGARH
Seoni Malwa
Vadaj
Dahej Bharuch
Chhindwara
Bhavnagar
Bilaspur
Kharagpur Bidhan Nagar
Ankaleshwar
Betul
Sendhwa
Rourkela
Surat (3)
Balda
Bhilai
Sachin
Bardoli
Nagpur (2)
Chikli
Jalgaon
Raipur
Vapi
Mumbai Metropolitan Daman
Buti Bori
Umred
Silvassa Ozar
ORISSA Bhubaneswar
Region (59)
Nasik(2) Deolali Yeola
MAHARASHTRA
Waluj
Greater Mumbai - Andheri (E),
Ghoti
Sinnar Aurangabad
Puri
Andheri (W), Badlapur, Bandra(2),
Kandli
Ahmadnagar
Bhiwandi, Boisar, Borivili, Cadel
Khed
Road, Charni Rd., Chembur (2),
Mumbai
Talegoan
Colaba, Fort, Four Bungalows,
Pen
Chakan
Ghatkopar, Goregaon, Indiabulls
Pune (7)
Suryapet
Finance Center, Jogeshwari, Juhu ,
Aundh
Vizag
Warangal
Baramati Secunderabad
Kalyan - Dombivili, Kandivili (3),
Chiplun
Hyderabad (9)
Vizianagaram
Kanjur Marg, Kurla, Lamington
Kolhapur
Road, Malad, Marine Drive, Metro,
Shamshabad
Mira-Bhayander, Mulund, Napean
Belgaum
Vijayawada
ANDHRA
Sea Rd, Nariman Point, Pokhran
Guntur
Thane, Pali Hill, Parel, Powai,
Narasaraopet
GOA
PRADESH
Bikaner

Prabhadevi, Sakinaka, Santacruz,

SEEPZ, Shoppers Stop - Andheri
(W), Sion, SV Road Khar, Talaupali
Thane, Thane 3 - Ghodbunder
Road, Ulhasnagar, Vasai, Veera
Desai Road, Vile Parle East, Worli,

Navi Mumbai - APMC Market, Navi

Airoli, Navi Belapur, Navi Khargar,
Navi Nerul, Navi Sanpada, Vashi

GOA (7)
Calangute, Curchorem, Margao,
Mapusa, Panjim, Ponda, Varca

Kavaratti

Hubli - Dharwad
Tirupati

KARNATAKA
Mangalore Bangalore (11) Devanahalli
Mysore
Hosur
Thippasandra
Kannur
Salem
Kozhikode
Tirupur
Mallapuram
Coimbatore
Thrissur

Chennai (6)
Sriperumbudur
Puducherry

Port blair

Tiruchirappalli
TAMIL NADU
Kurichi
Ambur

Kochi (2)

Kottayam
KERALA
Tiruvalla
Kollam
Thiruvanantapuram

581 branches in over 375 locations

Over 1150+ ATMs

YES BANK Branch Network - 581 branches in over 375 locations

NORTH : Adampur, Agra (2), Ajaib, Ajnala, Aligarh, Allahabad, Alipur, Alwar, Ambala Cantt, Amritsar (2), Anantnag, Anupshahr, Atail, Baddi, Badli, Badshahpur, Bahamnoli, Baghpat, Bahadurgarh, Banga, Banur, Bara Banki,
Bareilly, Barnala, Bawal, Begowal, Behror, Bhaini Chanderpal, Bhaini Surjan, BhangRola, Bharan, Bhatinda, Bhiwadi, Bilari, Bishanpura, Chandigarh (5), Chawri Bazar, Cheeka, Damdama, Dadar, Daula, Dasna, Dasuya,
Dayalbagh, Debai, Dehradun, Derabassi, Dhamar, Dhampur, Dhand, Dharamsala, Dharuhera, Dhor, Dhuri, Dundahera, Faridabad, Fatehabad, Firozabad (2), Firozpur, Gajraula, Ganaur, Garhi Bazidpur, Garhi
Harsaru, Ghaziabad (3), Goela Kalan, Gohana, Gorakhpur, Goraya, Greater Noida, Gulaothi, Gurdaspur, Gurgaon (7), Haileymandi, Hayatpur, Hoshiarpur, Jakhoda, Jalandhar (3), Jammu (2), Jandiala, Jaspur, Jatal,
Jatiyana, Jatola, Jhajjar, Jhansi, Jind, Kabri, Kaithal, Kalka, Kangra, Kankrola, Kanonda, Kanpur (2), Kapurthala, Karnal, Karola, Kartarpur, Kasana, Kashipur, Katra, Kerwa Jat, Khairthal, Khandewla, Khandsa, Kharak
Jatan, Kharar (2), Khekra, Kherka Gujar, Kherla, Kisangarh, Kithoor, Kosi Kalan, Kulasi, Kunda, Kundli, Kurali, Ladpur, Lawa Khurd, Lohian Khas, Lucknow, Ludhiana (4), Mahilpur, Manali, Mandi Gobindgarh,
Manesar, Marot, Mathura, Mayur Vihar, Mehrana, Meerut, Modinagar, Moga, Mohali (2), Moradabad, Morinda, Mukerian, Muktsar, Mussoorie, Nakodar, Nangal, Narnaul, Narwana, Navarangpur, Nawada Fatehpur,
Nawanshahr, Neemrana, New Delhi (56), Nilauthi, Noida (3), Nurmahal, Panchkula, Panipat, Paonta Sahib, Pathankot, Patiala, Pelpa, Phullanwala, Pilana, Pinjore, Rai, Rajdhani Enclave, Rajpura, Ramnagar, Rayya,
Rehtoj, Rishikesh, Rudrapur, Rupnagar (Ropar), Safidon, Saharanpur, Sahnewal, Samalkha, Samchana, Sankhol, Sardhana, Shakarpur, Shikarpur, Shimla, Shrinagar (Hathras), Siana, Sikanderpur, Sohana, Solan,
Sonepat, Srinagar, Sultanpur Lodhi, Sunderpur, Taoru, Tohana, Toolera, Udhampur, Una, Urmar Tanda, Varanasi, Wazirabad, Yamuna Nagar, Zirakpur (2)
WEST : Abu Road, Adalaj, Ahmadnagar, Ahmedabad (6), Anand, Ankleshwar, Aurangabad, Balda, Balotra, Banswara, Baramati, Bardoli, Barmer, Baroda (3), Bavla, Belavli, Betul, Bharuch, Bhavnagar, Bhopal (2), Bhorwadi,
Bhilwara, Bhinmal, Bhomnagar, Bhopal, Bilara, Bikaner, Bodakdev, Bodeli, Butibori, Calangute, Chakan, Chhindwara, Chikhli, Chimbhali, Chiplun, Chittaurgarh, Curchorem, Dahej, Daman, Dausa, Deesa (M),
Deogarh, Deolali, Deoli, Dewas, Dhar, Dwarka, Gandhinagar, Gandhidham, Gwalior, Halol, Igatpuri, Indore (2), Itrasi, Jabalpur, Jaipur (3), Jalgaon, Jalor, Jamnagar, Jhalawar, Jodhpur, Kandli, Kolhapur, Kota,
Kundewahal, Mandideep, Mapusa, Margao, Merta City, Mumbai Metropolitan Region (59), Nagaur, Nagpur (2), Nashik (2), Nasirabad, Nathdwara, Neem-Ka-Thana, Nidhrad, Niwai, Nokha, Owle, Ozar, Padra,
Panjim, Pen, Pilani, Pipariya, Ponda, Por, Pune (6), Raisen, Rajgurunagar (Khed), Rajkot (2), Rajsamand, Roha, Rupal, Sachin, Sanand, Sehore, Seoni Malwa, Sendhwa, Shahpura, Shirdone, Sihorli, Silvassa, Sinnar,
Sumerpur, Surat (3), Udaipur, Ujjain, Umred, Unjha, Vadaj, Vadsala, Vallabh Vidyanagar, Vapi, Varca, Vidisha, Vijapur, Waluj, Warulwadi, Yeola
SOUTH : Ambur, Bangalore (11), Belgaum, Chennai (6), Coimbatore, Devanahalli, Guntur, Hosur, Hubli -Dharwad, Hyderabad (9), Kannur, Kavaratti, Kochi (2), Kollam, Kottayam, Kozhikode, Kurichi, Malapuram, Mangalore,
Mysore, Narasaraopet, Puducherry, Salem, Shamshabad, Sriperumbudur, Suryapet, Thiruvanantapuram, Thrissur, Tiruchirappalli, Tiruppur, Tirupati, Tiruvalla, Vijayawada, Vizag, Vizianagaram, Warangal
EAST
: Adityapur, Agartala, Aizwal, Asansol, Bardhaman, Bhubhaneshwar, Bidhan Nagar, Bilaspur, Chas - Bokaro, Dhanbad, Dimapur, Durg Bhilai, Durgapur, Gangtok, Guwahati (3), Howrah, Imphal, Itanagar, Jamshedpur,
Jorhat, Kalyani, Kharagpur, Kolkata (7), Patna, Port Blair, Puri, Raipur, Ranchi, Rourkela, Shillong, Sibsagar, Silchar, Siliguri, Tezpur

ACHIEVING
INSTITUTIONAL EXCELLENCE
ROBUST
FINANCIAL
PERFORMANCE

FINEST
HUMAN
CAPITAL

KNOWLEDGE
BANKING

WORLD-CLASS
BRANCH
INFRASTRUCTURE

SERVICE
EXCELLENCE

RESPONSIBLE
BANKING

TRUST AND
TRANSPARENCY

Since inception in 2004, YES BANK has created a

paradigm in Indian Banking, through continuous
Innovation and Excellence. As a full-service commercial
and retail Bank, we dedicate ourselves towards
delivering the Finest Banking Experience in India.

Over 580 Branches Pan India | 1150+ ATMs

Corporate and Registered Office: Nehru Centre, 9th Floor, Discovery of India, Dr. A.B. Road, Worli, Mumbai- 400018. India. www.yesbank.in