Technology Innovations for Business Growth

By
Ashutosh Athavale
Shashank Udupa
Parita Thakkar

A presentation by SIES
 YES Bank
Fourth largest private sector Bank..

A presentation by SIES
 The Bank
VISION: Building the Best Quality Bank of the World in India by 2015.

New Generation Private Sector Bank

Founded by Mr. Rana Kapoor in 2004
Fourth largest private sector Bank
Over 430 branches across 275 cities, with
1000+ ATMs
Recognized amongst the Top and Fastest
Growing Banks

Rana Kapoor (CEO): 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.

A presentation by SIES
 The Fundamentals

Headquarters Mumbai, India

Net income 2472.8 Cr. (2011-12)
Total assets 73,662.1 Cr. on FY 12
Employees 5,642
PAT 1658.39 Cr.
EPS 36.53 Cr.

A presentation by SIES
The Philosophy

Use advanced technology to ensure

customer satisfaction and thereby
promoting growth.
Established as a technology savvy Bank.
Look and Feel like a European Bank.
Exclusive and focused service.
A Brand to be reckoned with.

Cyril Mahapatra (Sr. Vice President, YES Bank) : We believe in a lot of personalization as
far as our customers are concerned. We dont make them feel that they are walking into a
bank branch. I should be available for my customers, the customer should feel comfortable
to come and talk to me

A presentation by SIES
A presentation by SIES
 Products
Innovative products offering competitive advantage

A presentation by SIES
 YES Community
YES Bank & Customer get together.

Monthly review.
Inviting the newly joined executives.
Celebrating Birthdays of Team Members.

YES Community develops strong customer relationship

A presentation by SIES
 Mobile POS - mPOS
A unique mobility solution

Opens up a new channel of service

for the retailers
Speed on-demand resulting in
customer service
Opens up a huge market for low end
retailers like newspaper vendors Milk
vendors, exhibition vendors etc

mPOS gave YES Bank a huge competitive advantage

A presentation by SIES
 Money Monitor
A one stop money tracking solution

Aggregates all financial information and

across multiple Banks .
Consolidates all your financial accounts like
multiple bank accounts, insurance policies,
credit cards, personal loans, mortgages,
Demat, brokerage and trading accounts, etc.

Money Monitor manages customers complete investment portfolio held across

multiple banks and other financial institutions.
A presentation by SIES
Car Loans
A Uniquely tailored, hassel-free Car Loan

Funding available up to 90% on select

models
Attractive interest rates
Loans available from Rs. 1 Lakh to Rs.
5 Crore
Loan Tenor from 1 to 5 years
Multiple repayment options available

YES Bank Car Loan Caters to the young population of India

A presentation by SIES
Multi Currency Travel Card
Multiple Destinations. One Smart Travel Card

Carry Multiple currencies in one card

Available in 5 currencies- USD, EURO, GBP, SGD
and AUD
Reload your card at all YES BANK Branches.
The CHIP embedded card provides enhanced
security.
24/7 customer service.
Instant SMS alerts.

YES Bank Multi Currency Travel Card is a fully secure, convenient and hassel-free
way to carry multiple currency in one card
A presentation by SIES
 Savings Account
Highest interest rates in todays market

7% Interest Per Annum on Savings

Account.
Attractive interest rates for NRE/NRO
Access your account anytime anywhere
Portfolio Investment Services (PIS)
Maintain combined balances across NRO
and NRE Savings account.

Most visible competitive offering

A presentation by SIES
 Competitive Mapping
YES Bank shines against competition

A presentation by SIES
Competition Mapping

DETAILS YES BANK BANK A BANK B BANK C BANK D

Savings account 6%- Up to 1 lac 4% Paid 4% (Paid Half 4% (Paid Half 5.5%-Up to 1L
interest rate 7%- Above 1 lac quarterly Yearly) Yearly) 6%- Up to 1L

Waiver Criteria 2,50,000 1,00,000 N.A. 1,25,000 N.A

(FD)

RTGS FREE 1L-2L: 25/txn Abv 2L-5L: 5/txn Abv 2L-5L: 5/txn Abv 2L-5L: 5/txn
2L-5L: 25/txn Abv 5L: 50/txn Abv 5L: 50/txn Abv 5L: 50/txn
Abv 5L: 50/txn

NEFT FREE Upto 1L: 5/txn Upto 1L: 5/txn Upto 1L: 5/txn Upto 1L: 5/txn
1L-2L: 15/txn 1L-2L: 15/txn 1L-2L: 15/txn 1L-2L: 15/txn
Abv 2L: 25/txn Abv 2L: 25/txn Abv 2L: 25/txn Abv 2L: 25/txn

TOOLS Money Monitor Net Secure 50% Off on - -

Protection Locker rental

A presentation by SIES
Competition benchmarking

Parameter YES BANK Bank A Bank B Bank C Bank D

Transaction ATM & POS ATM Limit is ATM limit is ATM up to ATM & POS
limits on limits up to Rs. 1 Lakh Rs. 1 lakh Rs. 1,00,000 limits up to
ATM card Rs. 2,00,000 per & POS and POS & POS up to Rs. 1,75,000
per day, limits up to limit is Rs. 1,50,000 per per day
Silver- Rs. 2 Lakh 1.25 Lakh day
25,000 per per day per day
day
Gold -75,000
per day

Personal 5 Lakhs For 5-15 Lakhs 5 Lakhs 5 Lakhs Up to 2

Accidental exclusive Lakhs
death cover account
Petrol Up to 2.5% At Selected At Selected NIL Fuel At Selected
Surcharge Across all Petrol Petrol Surcharge Petrol
waiver Petrol Pumps in Pumps in Pumps in
Pumps India India India

A presentation by SIES
 Management Insights
Up Close and Personal With Mr. Aspy Engineer, President

A presentation by SIES
Q & A Session

Banking License are going to be introduced again, how is this going to

affect the working of your business?
New Banks Usually take 5-6 years to setup completely with a good customer base..
Besides, YES Bank has a lot of innovative products based on high technology and
hence, we have nothing to worry about..

How Strict are the RBI guidelines for maintaining SLR & CRR?
They enforce it strictly. We have to present our day to day records to the RBI, and if
the ratios does not match we use money market instruments to maintain the ratios..

How has IT changed the working of your company?

To be successful, IT has to be used as a business enabler and a service delivery tool
to create a competitive advantage. YES Bank has achieved all this with its State-Of-
Art technology and today YES Bank is known to be the most technology oriented bank
of the Country..
A presentation by SIES
 Conclusion
A Bank to be reckoned with..

A presentation by SIES
Acknowledgements

Mr. Aspy Engineer Mr. Cyril Mahapatra

President Sr. Vice President

We thank Mr. Aspy Engineer and Mr. Cryil Mahapatra of YES Bank
for giving us their valuable time and sharing their Insights into the
working of the bank that has helped our team to develop this
presentation.
Through them, we have gained tremendous knowledge of
technology and how it is used to create innovative and competitive
products in the Banking Sector.
A presentation by SIES