UNIVERSITY OF MUMBAI

(2017-2018)

PROJECT REPORT ON
“YES BANK”

SUBMITTED BY
PRATIKSHA SHARMA
ROLL NO.3535

SUBMITTED
IN PARTIAL FULFILMENT OF THE REQUIREMENTS
FOR THE AWARD OF DEGREE OF

SEMESTER V
-PROJECT GUIDE
PROF; KAVITA MAKHIJA

SADHANA EDUCATION SOCIETY’S

L.S. RAHEJA COLLEGE OF ARTS AND COMMERCE
JUHU ROAD, SANTACRUZ (WEST), MUMBAI- 400054
 UNIVERSITY OF MUMBAI
2017-2018
PROJECT REPORT ON
“YES BANK”

SUBMITTED BY
PRATIKSHA SHARMA
ROLL NO.3535

SUBMITTED
IN PARTIAL FULFILMENT OF THE REQUIREMENTS
FOR THE AWARD OF DEGREE OF

SEMESTER V
-PROJECT GUIDE
PROF; KAVITA MAKHIJA

SADHANA EDUCATION SOCIETY’S

L.S. RAHEJA COLLEGE OF ARTS AND COMMERCE
JUHU ROAD, SANTACRUZ (WEST), MUMBAI- 400054
 DECLARATION

I, PRATIKSHA V SHARMA , the student of BBI Banking &

InsuranceSemester V (2017-2018) hereby declare that I have
completedthe Project on YES BANK

The information submitted is true and original to the best of my

knowledge.

Signature of Student
PTATIKSHA V SHARMA
Roll No. 3535
 CERTIFICATE

This is to certify that Shri / Miss PRATIKSHA V SHARMA , Roll NO

3535 of B.Com Banking & Insurance Semester V (2017-2018) has
successfully completed the project on ―YES BANKunder the guidance of
Prof. KAVITA MAKHIJA

PROF. DHARA VORA DR.DEBAJIT N.SARKAR

(Course (Coordinator)
(Principal)

Prof. KAVITA MAKHIJA (External Examiner)

(Project Guide/Internal Examiner
 ACKNOWLEDGEMENT

 The satisfaction and euphoria that accompanies the successful completion of

any task would be incomplete without mentioning the names of people who
made it possible, whose constant guidance and encouragement crown all the
efforts with success.
 I am most thankful to my internal guide, Prof. KAVITA MAKHIJA for
introducing me to such a wonderful and challenging topic because of which I
learnt a lot in detail and for being my guide in the true sense of the word and
for guiding, correcting and motivating me at each and every moment during
my project
 . I also value her generosity.
 I would also like to thank CA. Kapil G. Thakore , our coordinator to whom we
shall forever remain indebted for setting the foundation for this course and for
assisting in the project whenever help was required.
 Last but not the least, I thank my friends, who helped directly or indirectly in
completing the project that will go a long way in my career, the project is
really knowledge
 EXECUTIVE SUMMARY

.1.YES BANK is a full service commercial bank that offers Corporate banking,
investment banking, and personal banking services across India.

2.Indias new age private sector bank,is a state-of- art high quality,customer-
centric,service-driven bank catering to the ―Future businesses of India.‖ • Promoter
and founder-Dr.RanaKapoor and his top management team.• India‘s fourth largest
private sector bank (by balance sheet dated March 31,2012) • Yes bank has a
widespread branch network of over 380 branches across 275 cities,with 650+ ATMs
and 2 national operating centres in Mumbai and Gurgaon.
3. Vision of ―Building the Best Quality bank of the World in India by 2015.‖the
World in India by 2015.‖
4. HISTORY Yes bank is one of the biggest private sector bank in india . Yes bank
ltd. Was incorporated by Mr. ranakapoor (NOV 21,2003) The bank obtained their
certificate of commencement of business on january 21,2004.
5. In June 2005, they came out with the public issue and their shares were listed on
the stock exchanges. In the year 2006, the Bank received Financial Express Awards
for India's Best Banks. In April 2007, they made a tie-up with the Agriculture
Insurance Company of India (AIC).
6. The Bank was ranked as the No 1 Bank in the Business Today-KPMG Best Banks
Annual Survey, 2008. During the year 2008-09, the Bank opened 50 new branches
and 18 new off-site ATMs. During the year 2009-10, the Bank opened 33 new
branches. They opened 64 Branches during the year 2010-11. As of March 31, 2011,
they operated 214 branches across 164 cities in India, and approximately 250 ATM‘s.
7. Pioneering increase rate of interest in saving bank account Recently when the RBI
deregulated the savings bank deposit rate, Kapoor was the first to make a move.
Within a few hours of the RBI move, Kapoor announced that YES Bank was
increasing its savings deposit rate by 200 basis points to 6%. In the first quarter
review of the monetary policy, the RBI had left all key policy rates unchanged to
support the Rupee to stay stable. The repurchase, or the repo rate, the interest that
commercial banks pay to the RBI on short-term borrowings, has been left unchanged
at 7.25 percent, and so has the reverse repo rate at 6.25
 TABLE OF CONTENTS

NO Contents Page no

1 Introduction of yes bank

2 Industry redefining features powering customer

satisfaction
3 Various banking of yes bank

4 Microfinance

5 Business process

6 The service quality services

7 Adopted innovation technology

8 Procedure for applying Dmart form

9 Corporate and institutional banking

10 How to apply and who can apply

11 Listing and shareholding

12 History of yesbank

13 Conclusion

14 Reference
CHP:1

INTRODUCTION

Yes Bank is India's fifth largest private sector bank, founded by RanaKapoor and
Ashok Kapurin 2004. Yes Bank is the only Greenfield Banklicence awarded by the
RBI in the last one decade.

YES BANK is a ―Full Service Commercial Bank‖, and has steadily built a Corporate,
Retail & SME Banking franchise, Financial Markets, Investment Banking, Corporate
Finance, Branch Banking, Business andand Transaction Banking, and Wealth
Management business lines across the country.cornerstone of YES Bank's sustained
success is the emphasis on building institutional RelationshiP Capital built on the
foundation of long-term, core relationships.

YES Bank relies on a 'One-Bank Model approach that is built on a 3-dimensional

structure of Relationship, Product and Knowledge, to create differentiated proposition
and incremental value generation,throughout the clients' business lifecycle, across
multiple customer segments and knowledge verticals

.Yes Bank is also seeking to become the most preferred host country banker to its
counterparts around the world, and has launched INR Vostro international stage on
the back of rapid growth with sustained superior credit quality did not go unnoticed-
Yes Bank has, in a short span of six years of operations, made its debut on the FT
Banker Top 1,000 list with Ranking of 890.
CHP 2:

Industry Redefining Features powering Customer

Satisfaction

To provide a superior banking experience, Yes Bank has created and implemented
several industry defining features which have revolutionised the traditional banking
experience in India by bringing the fastest, most efficient and convenient services to
our valuable customers; right at their fingertips. These include:

• Single PIN access across all channels, including Internet Banking, ATM and Debit
Card.

• "Two Factor Authentication" security process where customers need to include a

second transaction password,which is sent as an instant SMS on their mobile phone to
complete fund transfers.

• Online Real Time Gross Settlement (RTGS) and National Electronic Fund Transfer
(NEFT) services available to customers to transfer funds to third party accounts in
over 54,000 branches nationally.

• "Mobile Money Services by YES BANK" - Your Bank in association with Nokia
and Obopay India has launched a Mobile Payment Service which enables transfer of
funds using a mobile device, within a secure environment. Your Bank is one of the
pioneer banks in the Mobile Payments space and has received the regulatory
approvals from the Reserve Bank of India (RBI), India's Central Bank to act as the
Issuing Bank and the Custodian of Funds under these services.

Mobile Money Services by YES BANK will augment financial inclusion amongst the
unbanked and under-banked consumer segments by bringing financial services to the
consumer's mobile device, and will create a financial ecosystemwhich is inclusive,
sustainable and scalable. Going forward, the program application will be pre-
embedded in Nokia mobiledevices making the service highly accessible and user-
friendly. which is inclusive, These services will be widely distributed leveraging off
the reach of Nokia's retail channel.

• Stop payment instructions for cheques, using the SMS facility on mobile phones.
• YES BANK international Debit Card-waivers on petrol surcharge, zero lost card
liability, unlimited free ATM transactions across partner networks, higher daily
withdrawal and purchase limits.

• Online Mutual Funds platform - 'MFONLINE', which enables customers to

purchase and sell mutual funds at the click of a mouse. YES TOUCH - Phone
Banking integrates Voice, Email, Chat and Video in partnership with CISCO,
Scansoft for speech-recognition and Servion Global for system integration and
implementation.

• This is the first and only implementation of a 24x7, speech enabled contact centre in
the BFSI segment in Asia. Centralised Customer Query Management System
diligently tracks customer feedback and propels it towards a positive closure.
 CHP 3:

VARIOUS BANKING OF YES BANK

Investment Banking
FY11 witnessed renewed momentum in Mergers and Acquisitions (―M&A‖), Private
Equity (―PE‖) and Equity Capital Markets (―ECM‖). This was primarily due to
positive data/outlook from key developed markets, high month-on-month growth
being delivered by emerging economies including India and increased availability of
bank credit for corporate expansion purposes. This resulted in renewed
optimism/confidence amongst corporates to again pursue capital raising and inorganic
growth.In order to de-risk our business model, sustain business and deliver growth
even in a challenging environment, Yes Bank focused on adding products and
markets to its investment banking business. One of the key initiatives undertaken in
this direction includes the creation of exclusive partnerships with strong home country
investment banks in key cross border M&A corridors for sustained transaction flow.
Yes Bank entered into an alliance with Poalim Capital Markets, Israel; Hana Daetoo
Investment Bank, South Korea; Shinsei Bank, Japan, all of which are top ranking
institutions in their respective countries. This is in addition to existing non-exclusive
alliances that Yes Bank has in markets including Germany, France, Italy and Nordic,
among others.The year witnessed consummation of many significant transactions
across products and addition of several new clients, taking the tally of total
consummated transactions by the Investment Banking team to over 100 since
inception. The main highlight of the Investment Banking teams performance in FY11
has been the diversity in the nature of assignments completed whichinclude M&A
(sell-side and buy-side; domestic and cross-border), successful ECM issuances, PE
fund raising and market placement. These transactions include leading growth sectors
of the Indian economy such as infrastructure, food & agribusiness and information
technology. The performance of the team is reflected in the consistent ranking
received by Yes Bank of being amongst the Top deal makers across prestigious
league tables every year. As a testimony to Yes Bank's strong focus onrenewable
energy, YES BANK has secured 1 position for the 2 consecutive year at the Global
M&A Advisor Awards held in New York for the ―Green / Environmental Deal of the
Year‖ in the Asia, Middle-East, Africa and Oceania region category.
2.Infrastructure Banking Group (IBG)
For infrastructure lending, your Bank has a specialised Infrastructure Banking Group
(IBG) with specialists for sectors like Energy, Telecom, Transportation, Urban
Infrastructure and Manufacturing. Since inception IBG has been a key pillar in the
Corporate Finance practice.
IBG offers clients, the entire gamut of services right from advisory to financial
closure, covering the entire lifecycle of the project. This year, a dedicated
Relationship Team has been set up for Infrastructure sector which has further
strengthened IBG. This team constitutes of relationship champions with Infrastructure
domain experience, thereby making it easier to cater to the unique needs of the
Infrastructure clients of Yes Bank. Within a short span of time, IBG has managed to
build a sizeable infrastructure asset with successful closure of many marquee
tombstone deals in roads, ports, power and urban infrastructure space with leading
infrastructure groups in the countryYes Bank firmly believes that besides funding, the
infrastructure sector also needs an enabling environment to facilitate the development
and implementation of projects. Yes Bank hence works closely with private and
government agencies on policy formation.Yes Bank is now recognized as a
formidable player for underwriting and arranging financing of large infrastructure
projects. Structured Finance Group Yes Bank has expanded and established a strong
and experienced Structured Finance team, qualified and dedicated to providing
financial structured products, which has commercial and strategic importance to the
client. The team also provides structured solutions and funding to the emerging
sectors namely sports, media and entertainment industry, thus setting a unique
precedent in the Banking industry.The Structured Finance Group offers clients the
expertise that it has built from years of experience gained in structuring numerous
transactions both in domestic and foreign currency
Realty Banking
Yes Bank also houses a dedicated financing team for Urban Amenities, Healthcare,
EducationandHospitalitysector comprising specialists with extensive prior experience
in these sectors. The Realty Banking Group is an important component of the
Corporate Finance team and offers an entire spectrum of services including project
conceptualization, advisory, structuring, JV partner identification, and
raising/arranging financing in the commercial and residential Real Estate, Healthcare,
Education and Hospitality sectors across diverse geographies.The Realty Banking
practice has added a dedicated relationship team this year to focus on the overall
banking requirements of its clients. This team comprises of relationship experts with
experience in this specialized focus sectors to provide exceptional services &
solutions which cater to diverse requirements covering end to end financial solutions
to your Bank‘s Urban Amenities & other sector clients. In
TRANSACTION BANKING
The Transaction Banking Group at Yes Bank is a core Product Group catering to
clientele across all business segments viz. Wholesale, Commercial and Retail. The
specialized product domains under this group include Cash Management Services,
Trade Finance & Services, Capital Markets & Escrow Services and Direct Banking
Services. Yes Bank has also made a strong foray into Merchant Acquisition business
primarily towards building a strong liability base and focused upon key knowledge
verticals in line with the Knowledge Banking strategy. The Cash Management
Services under Transaction Banking Group offer value added solutions for Working
Capital Management of the corporate customer aimed at streamlining the domestic
supply chain business flows by optimizing the payables and receivables cycles and
providing superior liquidity management options. The Trade Finance and Services is
aimed at addressing the trade related requirements, both on the domestic and
international front, covering Import and Export services and multiple underlying
financing structures. The Capital Markets & Escrow Services domain caters to a range
of corporate customers' requirements of Bankers to Issue services, Interest/Dividend
Payout Services and Escrow Account Services for capital market and non- capital
market transactions. Direct Banking represents all alternate banking channels viz.
Cards
(Credit/Debit/Prepaid); ATMs, Internet banking & Mobile Banking.
Yes Bank has always been one of the pioneers in leveraging latest technology to
deliver banking products and services addressing the diverse requirements of the
corporate. Yes Bank has been recognized in the industry for being the forerunner in
its participation in industry defining initiatives such as:
• Being a pilot Bank along with 6 leading institutions in participating in the NPCI led
initiative – Interbank Mobile Payment Service (IMPS) for offering interbank
electronic fund transfer service through mobile phones
• Being one of the first set of Banks to be empanelled as Self Certified Syndicate
Bank with SEBI for providing Application Supported by Blocked Amount (ASBA)
facility Being one of the pilot Banks to be included by RBI for the Cheque Truncation
Services (CTS) facility
• Yes Bank has been awarded the prestigious ―The Asian Banker Technology
Implementation Awards‖ for ‗Best Financial Supply Chain project‘ and ‗Best Multi-
channel Capability (Mobile Money Services)‘ in 2011.
• Yes Bank has also been conferred with a Special citation by Financial Insights
Innovation Award (FIIA), 2011 for ‗Mobile Money Services‘ in Singapore.
• Yes Bank has also won the Financial Insights Innovation Award (FIIA), 2010 for
Innovationin Business Intelligence and also received a Certificate of Recognition for
Continuous Linked Settlement initiative in the same year.
Knowledge Banking
Yes Bank focuses on developing in-depth knowledge of the FutureBusinesses of India
such as Food and Agribusiness, Healthcare, LifeSciences, Media and Entertainment,
Light Engineering,Telecommunications, Information Technology, Infrastructure
andRetailing amongst others. Your Bank‘s in-depth knowledge ofemerging sectors
has enabled it to deliver efficient and customisedbanking solutions to these sunrise
sectors thereby playing asignificant part in driving the economic growth of the
country.Food& Agribusiness Strategic Advisory &ResearchYes Bank has established
a Food & Agribusiness Strategic Advisory and Research (FASAR) division to
provideprofessional, end-to-end financial solutions for stakeholders across the
entireagricultural value chain. The FASAR team is driven by sector experts with
relevant educational background and professional industry expertise. They provide
sectoralknowledgeknowledge on industry trends and enhance growth prospects in the
Agribusiness sector., FASAR has been working on some path breaking initiatives like
developing Integrated Agro Food Parks, Modern Terminal Markets, etc. apart from
providing policy advisory to various Union & State Government entities. FASAR has
also been providing strategic advisory to various companies in the field of Food &
Agribusiness including assisting them in their international foray – and has developed
expertise in providing advisory services on Large Scale Commercialfarming in
Africa, Development of Integrated Dairy Farms, MarketAssessment Studies and Entry
Strategies, Studies on Agri Value Chain, Advisory on Development of Mega Food
Parks and Cold Chains, etc.. The initiatives have made Yes Bank a much sought after
advisory and research unit in the food and agribusiness sector. Through these efforts
Yes Bank has achieved a key knowledge and thought leadership position amongst the
stakeholders in this highly important sector of the Indian economy.
 CHP: 4.
MICROFINANCE

Yes Bank is committed to Creating Equal Financial Opportunities, and Enabling

Financial Inclusion. Yes Bank approaches microfinance by instituting specific
transactions to position it as a new asset class, appealing to a broad range of investors
and lenders, and expanding access to capital by bringing in the power of capital
markets. Yes Bank achieves this primarily through a two-pronged strategy with
intervention from the Microfinance Institutions Group (MIG), and by providing the
last mile connect by mainstreaming micro clients at the Bottom-of the- Pyramid
through YES SAMPANN.Wholesale Microfinance Lending -Through MIG's product
suite including term loans, loan syndications and rated capital market loan products
(pool securitisation, debentures, commercial paper and loan assignments), Yes Bank
aims to catalyse the growth of the Indian microfinance industry by increasing its
access to a wider pool of investors and reducing costs of funds through a mix of lower
cost of funds and transaction costs to enable scale up, thus ensuring provision of
affordable, fairly priced and customised financial solutions to the Bottom-of-the-
Pyramid. MIG thus is the primary channel to create an enabling macro environment
through engagements with stakeholders including MFIs, investors, rating agencies,
policymakers, government agencies and the regulator where the group's activities
indirectly affects the lives of 750,000 people. Housing is one of the key drivers that
determine the quality of life of a household. Hence, access to affordable housing is
critical in improving the lives of families. ‗Affordable housing‘ or ‗Microhousing‘ as
a concept has developed in the last few years and several projects have been launched
targeted at low-income group households. However, the most critical missing link is
affordable mortgage for the low-income households. MIG will jointly work with the
‗Inclusive and Social Banking‘ team of Yes Bank to roll out ‗Micro-housing‘ as a new
product and envisagessupporting both the demand and supply side of the micro-
housing market. Inclusive & Social Banking Inclusive & Social Banking (ISB) is a
specialized division of Yes Bank focused on the ‗Bottom-of-the-Pyramid‘ market
segment. ISB proposes to leverage the 'Technology Edge' of Yes Bank along with it's
'Relationship Capital' in Social, Commercial and Government sectors to promote
inclusive growth based on market principles. ISB aims to create viable business
models to provide comprehensive financial services to ‗Bottom-of-the-Pyramid‘
market in a commercially viable and sustainable manner using ―Frugal
Innovations‖.ISB is currently experimenting with various models of providing
different financial services such as direct micro- credit, micro saving and micro
insurance, No Frill Saving Account (NFSA) in urban, semi urban and rural settings
across various geographical and socioeconomic contexts.
The direct macro-lending program is the first institutionally sponsored direct
intervention model for microfinance in India. It provides the last mile connectivity at
the ‗Bottom-of-the- Pyramid‘ offering affordable, customised financial services
including credit, savings and insurance. Leveraging technology and using innovative
methodologies such as credit scoring, ISB works towards creating credit histories for
an urban as well as rural population that remains excluded from formal finance.ISB is
working towards offering micro- remittance services across major domestic
remittance corridors. ISB will be rolling out specialized low cost branches mostly in
rural and semi-urban areas. Product offerings in these branches will vary depending
on the type of catchment area. In urban areas the focus will be more on offering non-
credit products like remittances, liability products (NFSA, Recurring Deposits, Fixed
Deposits, Reverse recurring deposits) and third party product distribution. In semi-
urban and rural areas, along with the liability products, credit will be offered through
the best and the most proven (in terms of reasonable cost/ low risk) Self Help Group
(SHG) model, already operational in one of the rural branches. Along with the SHG
products other asset products viz. YES Smart Saver, GCC, KCC, etc. will also be
offered depending on the requirement. In order to implement the Financial Inclusion
Plan in a sustainable manner.Yes Bank is following the innovative Business
Correspondent (BC) model to reach out to a larger segment of the populace in the
catchment area of the branch. The focus would be to identify appropriate BC/BC
agents and channelize the product and services through them and manage this
relationship. ISB will also be identifying partnering organisations as an ―Anchor
Institutional Partner‖ for all the branches to ensure sustainable business volume.
Technology will be leveraged to the maximum extent possible to reduce cost and
operational risks.
 CHP:5.
BUSINESS PROCESS –CREATING A QUALITY
ORGANISATION

To deliver optimum results, Yes Bank has seamlessly extended its professional
outlook across its business processes. Yes Bank envisions tobecome the "Best Quality
Bank of the World in India'' by 2015. In recognition of the Bank's Strategic Intent.
Yes Bank imbibes a culture of professional entrepreneurship where every employee
plays an important role in the Bank's growth. Yes Bank incorporates highly
professional practices into its business process to generate added efficiencies and
long-term growth. These processes ensure an effective maintenance mechanism
through ongoing feedback as well as complaint resolution from employees as well as
customers. Prudent internal and external audit policies, effective risk management
systems and state-of-the-art technology platforms help in implementation of optimum
business processes and are key to ensuring Yes Bank's core customer promise of
providing a "Superior Service Experience".
Some key business processes initiatives implemented towards the same include:
• Two world-class National Operating Centres (NOC) based out of Mumbai and
Gurgaon have been established with a focus on providing an immediate response to
customer requests, as also to provide Business Continuity Planning. The NOCs house
the centralised back office functions of various businesses including the YES TOUCH
Contact Centre, which is located at NOC, Gurgaon
• Adherence to Business Excellence frameworks & Quality practices such as Five S,
Quality Circle, Lean Six Sigma and ISO 9001 Standard. Back Office operations at
both the NOC's and 101 key branches are covered under the ISO 9001
(QualityManagement System) certification. Yes Bank‘s Complaints Handling systems
are certified for ISO 10002
• Business processes are supported by best-in-class business solutions and superior
information technology platforms - with a view to optimise productivity (based on
Time and Motion & Time and Material studies).
• Critical evaluation of all critical to quality parameters, including an End to End (e2e)
review/ analysis of all critical business processes
• Yes Bank is committed to building a culture of Quality &Innovation. Steps taken in
this direction include benchmarking, identification & implementation of Best and
Next Innovative Practices, with a view to enhance Customer Experience
• Framework for measurement of Customer Experience – with a view to ensure that
customer feedback across each experience / touch-point (including customer
complaint registers, customer satisfaction surveys, telephonic surveys and employee
feedback) is collected, analysed and auctioned upon
• Leveraging Social Media as a new channel for Customer Service to address
queries/complaints, receive feedback & garnering inputs on service (VOC) and share
relevant content about products & services, brand building and press release
• The Customer Query Management System (CQMS) is used as the single touch point
for handling, escalating and resolving customer grievances
• The Query Resolution Unit (QRU) formed as a part of the YES TOUCH Phone
Banking Service, ensures effective follow-up and resolution of customer queries and
complaints
• Adherence to Banking Codes and Standards Board of India (BCSBI), Goiporia
Committee recommendations and the Committee on Procedures and Performance
Audit of Public Services (CPPAPS) guidelines Embedding a Continuous
Improvement Approach: Quality Assurance and the Service Delivery Unit provide a
framework, through which Yes Bank imbibes a culture of continuous improvement.
The Quality Policy at Yes Bank states - "YES BANK will strive to ensure a Superior
Service Experience through OperationalOperational Excellence, Innovation, Cutting-
edge Technology and Best-in- class Systems and Processes in its mission to become
the Best Quality Bank of the World in India by 2015"
 CHP: 6

The Service Quality Strategy

Yes Bank has a three pronged structure to bolster customer service – Customer
Experience, Innovation & Quality Assurance Units. Customer Experience Unit
captures the Voice of the Customer (VOC) assesses the performance on key Service
Drivers. The Innovation initiatives are managed through the Innovation Centre which
acts as a clearing house for ideas to help Yes Bank implements Next Practices across
products, services and channels. The Quality Assurance Unit draws upon quality
methodologies practiced by world-class organisations in building institutional
excellence. 20 Specific Quality Goals have been classified into the categories of
"Process Management" and "External & Internal Service Delivery", in line with Yes
Bank's Quality Policy and Quality Objectives. Quality improvement drives like
Workforce suggestion schemes, Lean Six Sigma, Quality Circles, Five S, ISO 9001 &
ISO 10002 are being driven across business units of the Bank as well as branches.
Process Management (PM) aims to continually monitor current processes, benchmark
them against competition, incorporate best practices, knowledge dissemination and
introduce robust mechanisms for process improvements, while identifying wastages to
drive effective waste management and cost control.PM uses quality tools to facilitate
ease of execution of transactions, through automation of manual processes and
ensures adequacy and effectiveness of training for employees.
EXTERNAL SERVICE

External Service Delivery, i.e. Customer Satisfaction Level at Yes Bank is measured
using Dashboards, Voice of the Customer (VOC), Branch Service Committee
Meetings and Sigma Score Cards. These initiatives not only help build mutually
beneficial customer relationships, but also ensure stringent Service Level Agreements
(SLAs) with relevant Operations Units across the Bank. Additionally, it provides an
efficient MIS support platform for effective decision-making at the management

level.
Internal Service Delivery

Yes Bank‘s external service delivery is a manifestation of the internal service

principles instituted within the Bank, that seek to align and influence the
organisationalbehaviour of Yes Bank's Human Capital towards delivering on the
stated service value proposition of providing customers with a - 'Superior Service
Experience'.The YES SERVICE Programme - an Internal Service proposition is
disseminated through a well-defined and ongoing Service Marketing programme and
measured through Mystery Shopping, On-Job Monitoring and in Branch Executive
Leadership Team (BELT) programmes held periodically across key branches
nationally.
Within a short period, Yes Bank has several achievements to its credit, to highlight a
few: Yes Bank has been awarded the 'IMC RBNQ Performance Excellence Trophy‘ -
Services Category, at the IMC Ramkrishna Bajaj National Quality (IMC RBNQ)
Awards, 2010Yes Bank was the only Bank to be awarded the IMC RBNQ Certificate
of merit. The IMC RBNQ award, based on the Malcolm Baldrige Business Excellence
Framework, USA, is one of the most prestigious Awards in India, in the realm of
Business Excellence (Leadership, Strategic Planning, Customer & Market Focus,
Measurement, Analysis & Knowledge Management, Workforce Focus, Process
Management and Results).
Yes Bank received two awards at Qimpro:
• BestPrax Award for Innovation in the Service Sector at the Qimpro Convention
2010, for its nominationtitled ―Focused Information Based Service Delivery‖. This is
the second consecutive year for Yes Bank toreceive this award for innovation.
• ‗BestPrax Compass‘ award as part of the BestPrax Benchmark Competition 2010,
for its ―KnowledgeBanking‖ practice. Yes Bank was the only organization selected in
the Services Sector
 CHP: 7.

ADOPTED INNOVATION TECHNOLOGY

Yes Bank has adopted innovative modern technology and best in class international
banking practices with respect to governance frameworks – to ensure that it renders
the highest standards of service quality and operational excellence to its customers.
As a new generation Bank, Yes Bank has deployed ―Technology‖ as a Strategic
Business enabler - to build a distinct competitive advantage and to achieve superior
standards of Customer Service.The technology architecture and the innovative IT
Outsourcing structure has enabled Yes Bank to achieve high standards of Customer
Service at comparatively lower cost structures. Innovations like Money Monitor
(aggregation of customer accounts of all types across 11,000 institutions globally),
Mobile Money Services, dual factor authentication, one view of customer
relationship, and most advanced voice enabled IVR helps the products and sales
teams to offer superior products and services.
Yes Bank‘s Technology team focuses on enabling innovative, timely, effective and
efficient solutions to make Yes Bank the ‗Best Quality Bank of the world in India‘.
The values are:
• Achieve customer delight through service excellence and futuristic solutions
• Build a motivated, lean & high performance team
• Build a culture of risk appreciation, transparency & cost consciousness
• Be proactively aligned with business and organizational needs Additionally Yes
Bank continues to strengthen its strategic partnerships with some of the best known IT
majors globally, to develop innovative system features in order to improve process
efficiencies and create sector-specific banking solutions.
Additionally the development of a robust Business Continuity plan in Yes Bank
addresses risks and secures systems that are vital to business operations.
In the current fiscal, the following initiatives were undertaken:
• A Business Intelligence platform provided to users of the Bank with focused
dashboards relevant to their role and function has been extended as ―Insights to
Engage‖ to enable better customer engagement and superior customer service.
• Mobile Money Services by YES BANK, an innovative mobile payment service
launched in partnership with Nokia augments Financial Inclusion amongst the
unbanked and under-banked consumer segments by bringing financial services to the
consumers‘ mobile phone and has created a financial eco-system which is inclusive,
sustainable and scalable. This cutting-edge technology facilitates convenience and
ease of usage in making mobile payments through mobile phones, across the country.
• YES BANK has been awarded ―The Asian Banker Technology Implementation
Awards‖ for ‗Best HR Systems Implementation‘ in 2010 and for ‗Best Financial
Supply Chain project‘ and ‗Best Multi-channel Capability (Mobile Money Services)‘
in 2011
• YES BANK also garnered Special citation award by ‗Financial Insights innovation
Awards 2011‘ for Mobile Money Services‘ in Singapore.
• YES BANK got the most coveted award in ‗Implementation of IT Governance
Practices‘ by ISACA
• YES BANK shortlisted in top 3 for the second consecutive year at NASSCOM IT
User Award for Mobile Money Services
• Yes Bank‘s strategic partnership with Cordys for implementation of a Business
Process Management Suite has helped in automation of processes, straight through
processing, robust audit mechanisms and flexibility to quickly launch new customer
products.
• Yes Bank is evaluating cutting edge technologies like Virtualisation, Cloud
computing and Social Media to invest in the best in class IT systems and practices and
in order to ensure that the its technology platform becomes a Strategic Business tool
for building a Competitive Advantage.
 CHP: 8.
Procedure for applying in demat form

• The applicant must have at least one beneficiary account with any of the Depository
Participants (DPs) of NSDL or CDSL prior to making the application.
• The applicant must necessarily fill in the details (including the beneficiary account
number and Depository
Participant‘s ID) appearing in the Application Form under the heading ‗Details for
Issue of Bonds in Electronic/ Dematerialised Form‘.
• Bonds allotted to an applicant will be credited directly to the applicant‘s respective
Beneficiary Account(s) with the DP.
• For subscribing the bonds, names in the application form should be identical to those
appearing in the account details in the depository. In case of joint holders, the names
should necessarily be in the same sequence as they appear in the account details in the
depository.
• Non-transferable allotment advice/refund orders will be directly sent to the applicant
by the Registrars to the Issue.
• If incomplete/incorrect details are given under the heading ‗Details for Issue of
Bonds in Electronic/ Dematerialised Form‘ in the application form, it will be deemed
to be an incomplete application and the same may be held liable for rejection at the
sole discretion of the Bank.
• For allotment of Bonds, the address, nomination details and other details of the
applicant as registered with his/her/its DP shall be used for all correspondence with
the applicant. The Applicant is therefore responsible for the correctness of his/her/its
demographic details given in the application form vis-à-vis those with his/her/its DP.
In case the information is incorrect or insufficient, the Issuer would not be liable for
losses, if any.
• It may be noted that Bonds being issued in electronic form, the same can be traded
only on the Stock Exchanges having electronic connectivity with NSDL or CDSL.
The Bombay Stock Exchange Limited where the Bonds of the Bank are proposed to
be listed has connectivity with NSDL and CDSL.
• Interest or other benefits would be paid to those Bondholders whose names appear
on the list of beneficial owners given by the Depositories to the Bank as on Record
Date/ Book Closure Date. In case of those Bonds for which the beneficial owner is not
identified by the Depository as on the Record Date/ Book Closure Date.the Bank
would keep in abeyance the payment of interest or other benefits, till such time that
the beneficial owner is identified by the Depository and conveyed to the Bank,
whereupon the interest or benefits will be paid to the beneficiaries, as identified,
within a period of 30 days.
• Investors may note that pursuant to SEBI (Issue and Listing of Debt Securities)
Regulations, 2008 dated June 6, 2008 issued by SEBI, the Bonds of the Bank would
be issued and traded only in dematerialised form.
Market Lot
The market lot will be one Bond (―Market Lot‖). Since the bonds are being issued
only in dematerialised form, the odd lots will not arise either at the time of issuance or
at the time of transfer of bonds.
Letter(s) of Allotment/ Bond Certificate(s)/ Refund Order(s)
Issue of Letter(s) of Allotment
The beneficiary account of the investor(s) with National Securities Depository
Limited (NSDL)/ Central Depository Services (India) Limited (CDSL)/ Depository
Participant will be given initial credit within 2 days from the Date of Allotment. The
initial credit in the account will be akin to the Letter of Allotment. On completion of
all statutory formalities, such credit in the account will be akin to a Bond

Certificate.
Issue of Bond Certificate(s)
Subject to the completion of all legal formalities within 3months from the Date of
Allotment, or such extended period as may be approved by the Appropriate
Authorities, the initial credit akin to a Letter of Allotment in the Beneficiary Account
of the investor would be replaced with the number of Bonds allotted.

Dispatch of Refund Orders

The Bank shall ensure dispatch of Refund Order(s) by registered post/speed
post/courier/hand delivery and
adequate funds for the purpose shall be made available to the Registrar to the Issue by
the Issuer Company.
Terms of Payment
The full face value of the Bonds applied for is to be paid along with the Application
Form. Investor(s) need to send in the Application Form and the cheque(s)/ demand
draft(s) for the full face value of the Bonds applied for. Payment of Interest The
interest will be payable as per the terms set out in the term sheet for the respective
tranche to the Bondholder(s) whose names appear in the List of Beneficial Owners
given by the Depository to the Bank on the Record Date. Payment of interest will be
made by way of cheque(s)/ interest warrant(s)/ demand draft(s), which will be
dispatched to the sole/ first applicant, 7 days before the due date(s) by registered
Hyderabad.

Seniority of claim
The claims of the investor in Tier II Bonds shall be
a) Superior to the claims of investors in instrument eligible for inclusion in Tier I
capital , Upper Tier II capital,
b) Subordinate to the claims of all other creditorsTax Deduction at Source (TDS) Tax
as applicable under the Income Tax Act, 1961, or any other statutory modification or
re-enactment thereof will be deducted at source. For seeking TDS exemption/ lower
rate of TDS, relevant certificate(s)/ document(s) must be lodged 30 days before the
coupon date or 31st March whichever is earlier, each financial year with the Company
Secretary.
Yes Bank Ltd., 2nd Floor, Ion House, Dr E Moses Road, Mahalaxmi, Mumbai - 400
011, or to such other person(s) at such other address (es) as the Bank may specify
from time to time through suitable communication.
Tax exemption certificate on interest on application money, should be submitted
along with the Application Form. Where any deduction of Income Tax is made at
source, the Bank shall send to the Bondholder(s) a Certificate of Tax Deduction at
Source.Bondholder(s) should also consult their own tax advisers on the tax
implications of the acquisition, ownership and sale of Bonds, and income arising
thereon.
PUT AND CALL OPTION
Neither Put Option shall be available to the Bondholder(s), nor Call Option would be
available to the Bank to redeem the Bonds prior to maturity. The Bonds are free from
restrictive clauses and are not redeemable before maturity at the instance of the holder
or without the consent of the Reserve Bank of India (RBI).
REDEMPTION
The face value of the bonds will be redeemed at par, as stated in the ―Terms of
Present Issue‖ in page 32.However, the bonds shall not be redeemable before maturity
at the initiative of the holder or without the consent of the RBI at the time of
maturity.In case if the principal redemption date falls on a day which is not a Business
Day (‗Business Day‘ being a day on which Commercial Banks are open for Business
in the city of Mumbai, Maharahstra), then the payment due shall be made on the next
Business Day together with additional interest for the intervening period.

Payment on Redemption
Payment on redemption will be made by cheque(s)/ redemption warrants(s), demand
draft(s)/ credit through RTGS/NECS system in the name of the Bondholder whose
name appears on the List of Beneficial owners given by Depository to the Bank as on
the Record Date. On the Bank dispatching the redemption warrants to such
Beneficiary(ies) by registered post/speed post/courier/hand delivery, the liability of
the Bank shall stand extinguished.The Bonds shall be taken as discharged on dispatch
of redemption warrants by the Bank on maturity to the list of Beneficial Owners as
provided by NSDL/ CDSL/ Depository Participant. The Bank will inform NSDL/
CDSL/ Depository Participant about the redemption and the necessary corporate
action would be taken.The Bank‘s liability to the Bondholders towards all their rights
including for payment or otherwise shall cease and stand extinguished from the due
date of redemption in all events. Further the Bank will not be liable to pay any interest
or compensation from the date of redemption. On the Bank dispatching the warrants
or crediting the beneficiary's account by relevant amount as specified above in respect
of the Bonds, the liability of the Bank shall stand extinguished.
 CHP:9
CORPORATE & INSTITUTIONAL BANKING

In its drive to become the ‗Best Quality Bank of the World in India‘, YES Bank
leverages its relationship capital within the Corporate and Institutional Banking
segment to ensure sustained profits and long term value for its clients. YES Bank‘s
Corporate & Institutional Banking (C&IB) division provides comprehensive financial
and risk management solutions to clients with the turnover of a over ` 2000 crores.
Your Bank's professional relationship experts provide financial solutions large Indian
corporate groups.YES Bank provides a comprehensive range of client focused
Corporate Banking Services, including Working Capital Finance, Term Loans,
specialised Corporate Finance products, Trade, Cash Management & Transactional
Services, Treasury Services, Investment Banking Solutions and Liquidity
Management Solutionsto name a few. All product offerings are suitably structured
after in depth research and assessment, taking into account the client's risk profile and
specific needs, because at your Bank, maintaining high credit quality, is of utmost
priority. YES Bank is committed to provide innovative financial solutions by
leveraging on superior product delivery, Knowledge-based advisory, industry
benchmark service levels and a strong client orientation. YES Bank has made
significant inroads into companies.YES Bank provides industry specific financial
solutions by creating tailor-made services services through superior structuring to best
suit client requirements, which helps lower entry barriers, strengthens business
relationships, and ensures risk mitigation.
 CHP 10;
HOW TO APPLY
General:
This Disclosure Document is neither a prospectus nor a statement in lieu of
prospectus and does not constituteanoffer to the public generally to subscribe for or
otherwise acquire the Bonds issued by Bank. The document is for the exclusive use of
the person(s) to whom it is delivered and it should not be circulated or distributed to
third parties. The document would be sent specifically addressed to such persons by
the Issuer Bank The Issue/Offer/Book will open for subscription at the
commencement of banking hours and close at the close of banking hours on the dates
indicated under the head "Terms of Present Issue" in page 32 above or earlier or on
such extended date as may be decided by the Bank at its sole and absolute discretion
without giving any reasons or prior notice. In such a case, investors will be intimated
about the revised time schedule by the Bank. The Bank also reserves the right to keep
multiple Date(s) of Allotment at its sole and absolute discretion without any notice.
Only eligible investors as given hereunder may apply for bonds through the procedure
detailed hereunder. Applications should be for a minimum of 1 Bond and in multiples
of 1 Bond thereafter. Applications not completed in the said manner are liable to be
rejected.Application Form duly completed in all respects must be submitted with the
designated branch of the Bankers to the Issue. The name of the applicant‘s Bank, type
of account and account number must be filled in the Application Form. This is
required for the applicant‘s own safety and these details will be printed on the refund
orders and interest/ redemption warrants. The Application Forms must be completed
in the prescribed format in BLOCK LETTERS in English as per the instructions
contained therein. The applicant or in the case of an application in joint names, each
of the applicants, should mention his/her/it's Permanent Account Number (PAN)
allotted under the Income-tax Act, 1961 or where the same has not been allotted, the
GIR No. and the Income tax Circle/Ward/District No. As per the provision of Section
139A(5A) of the IncomeTax Act, PAN/GIR No. needs to be mentioned on the TDS
certificates. In case neither the PAN nor the GIR Number has been allotted, the
applicant shall mention ―Applied for‖ and in case the applicant is not assessed to
income tax, the applicant shall mention ‗Not Applicable‘ (stating easons for non
applicability) in the appropriate box provided for the purpose. Application Forms
without this information will be considered incomplete and are liable to be rejected.
Applications may be made in single or joint names (not exceeding three). In the case
of joint applications, all payments will be made out in favour of the first applicant. All
communications will be addressed to the first named applicant whose name appears in
the Application Form at the address mentioned therein. Unless the Issuer specifically
agrees in writing with or without such terms or conditions it deems fit, a separate
single cheque/ demand draft must accompany each Application Form.
Applicants are requested to write their names and application serial number on the
reverse of the instruments by which the payments are made. Application Form must
be accompanied by either demand draft(s) or cheque(s) drawn or made payable in
favourof ‗Yes Bank Limited‘ and crossed ‗Account Payee Only‘. Cheque(s)/ demand
draft(s) may be drawn on any Bank including a co-operative Bank, which is a member
or a sub-member of the Bankers Clearing House located at, Mumbai, and New Delhi
Investors in centres which do not have any Bank, including a co-operative Bank,
which is a member or sub- member of the Banker‘s Clearing House located at any of
the centres mentioned above, will be required to make payments only through demand
drafts payable at any one of the above centres. Cash, outstation cheques, money
orders, postal orders and stockinvest shall not be accepted. The Bank assumes no
responsibility for any applications/ cheques/ demand drafts lost in mail. No separate
receipts shall be issued for the application money. However, Bankers to the Issue at
their Designated Branch receiving the duly completed Application Forms will
acknowledge the receipt of the applications by stamping and returning the
acknowledgment slip to the applicant. Applications shall be deemed to have been
received by the Issuer only when submitted to Bankers to the Issueat their designated
branch and not otherwise.
WHO CAN APPLY
The following categories of investors may apply for the bonds, subject to fulfilling
their respective investmentnorms/ rules by submitting all the relevant documents
alongwith the application form.
• High Networth Individuals
• Scheduled Commercial Banks;
• Financial Institutions;
• Insurance Companies;
• Primary/ State/ District/ Central/ Urban Co-operative Banks;
• Provident, Gratuity, Pension and Superannuation Funds;
• Regional Rural Banks;
• Mutual Funds;
• Companies, Bodies Corporate authorised to invest in bonds;
• NBFC & Residuary NBFC;
• Port Trusts, Trusts, Association of Persons, Societies registered under the applicable
laws in India which
are duly authorized to invest in bonds
Applications not to be made by
• Partnership Firms or their nominees.
• Overseas Corporate Bodies (OCBs).
Applications under Power of Attorney
A certified true copy of the power of attorney or the relevant authority as the case may
be along with the names
and specimen signature(s) of all the authorized signatories and the tax exemption
certificate/ document, if any,
must be lodged along with the submission of the completed Application Form.
Further modifications/ additions
in the power of attorney or authority should be notified to the Bank or to its Registrars
or to such other person(s)
at such other address(es) as may be specified by the Bank from time to time through a
suitable communication.
Applications by Provident Funds, Superannuation Funds and Gratuity Funds
The Government of India has permitted Provident, Superannuation and Gratuity
Funds, subject to their
assessment of the risk-return prospects, to invest up to 10 per cent in the Bonds and
securities issued by
privatesectororganisation including Banks provided that the bonds or securities have
an investment grade rating
fromat least two credit rating agencies. Accordingly, provident, superannuation and
gratuity funds can invest up
to 10 per cent of their corpus in these bonds.
Application by Mutual Funds
In case of applications by Mutual Funds, a separate application must be made in
respect of each scheme of an
Indian Mutual Fund registered with SEBI and such applications will not be treated as
multiple applications,
provided that the application made by the Asset Management Company/ Trustees/
Custodian clearly indicate
their intention as to the scheme for which the application has been made.
Future Borrowings
The Bank shall be entitled to borrow/ raise loans or avail of financial assistance in
whatever form as also issue
Bonds/ Debentures/ Notes other securities in any manner with ranking as pari-passu
basis or otherwise and to
change its capital structure, including issue of shares of any class or redemption or
reduction of any class of
paidup capital, on such terms and conditions as the Bank may think appropriate,
without the consent of, or
intimationto, the Bondholder(s) or the Trustees in this connection.
Bondholder not a Shareholder
The Bondholders shall not be entitled to any of the rights and privileges available to
the Shareholders.

Rights of Bondholders.
The Bonds shall not, except as provided in the Companies Act, 1956 confer upon the
holders thereof any rights
orprivileges available to the members of the Bank including the right to receive
Notices or Annual Reports of,
or to attend and/or vote, at the General Meeting of the Bank. However, if any
resolution affecting the rights
attachedto the Bonds is to be placed before the shareholders, the said resolution will
first be placed before the
concernedregistered Bondholders for their consideration. In terms of Section 219(2)
of the Act, holders of Bonds shall be entitled to a copy of the Balance Sheet on a
specific request made to the bank.The rights, privileges and conditions attached to the
Bonds may be varied,
modified and/or abrogated with the consent in writing of the holders of at least three-
fourths of the outstanding
amount of the Bonds or with the sanction of Special Resolution passed at a meeting of
the concerned
Bondholders, provided that nothing in such consent or resolution shall be operative
against the Bank, where
such consent or resolution modifies or varies the terms and conditions governing the
Bonds, if the same are not
acceptable to the Bank. The registered Bondholder or in case of joint-holders, the one
whose name stands first in the Register of
Bondholders shall be entitled to vote in respect of such Bonds, either in person or by
proxy, at any meeting of
theconcerned Bondholders and every such holder shall be entitled to one vote on a
show of hands and on a
poll, his/her/it's voting rights shall be in proportion to the outstanding nominal value
of Bonds held by
him/her/it one every resolution placed before such meeting of the Bondholders. The
quorum for such meetings shall be at least five Bondholders present in person or as
may be prescribed by
lawfrom time to time or all the members if the total number of members is less than 5
.The rights, privileges and conditions attached to the Bonds may be varied, modified
and/or abrogated with the
consent in writing of the holders of at least three-fourths of the outstanding amount of
the Bonds or with the
sanction of Special Resolution passed at a meeting of the concerned Bondholders,
provided that nothing in such
consent or resolution shall be operative against the Bank, where such consent or
resolution modifies or varies
theterms and conditions governing the Bonds, if the same are not acceptable to the
Bank.The registered Bondholder or in case of joint-holders, the one whose name
stands first in the Register of
Bondholders shall be entitled to vote in respect of such Bonds, either in person or by
proxy, at any meeting of
theconcerned Bondholders and every such holder shall be entitled to one vote on a
show of hands and on a poll,
his/her/it's voting rights shall be in proportion to the outstanding nominal value of
Bonds held by him/her/it on
every resolution placed before such meeting of the Bondholders.The quorum for such
meetings shall be at least five Bondholders present in person or as may be prescribed
by
lawfrom time to time or all the members if the total number of members
 CHP 11:

Listings and shareholding

Yes Bank equity shares are listed on Bombay Stock Exchange and the National Stock
Exchange of India.

Shareholders (as on 31-Mar-2013) Shareholding

Promoter Group 25.72%

Foreign Institutional Investors (FII) 48.95%

Individual shareholders 09.44%

Insurance Companies 09.27%

Banks/Financial Institutions/Mutual Funds/UTI 03.87%

Others 02.855%

Total 100.0%

Yes bank was listed in the stock exchanges of India post its IPO in May 2005 at an
issue price of Rs.45 In September 2016, Yes bank scrapped its proposed $1bn share
sale due to market conditions.[14] The pull out of the deal caused all round
embarrassment as miscommunication and misunderstanding among various players
led to a round of public blame game among various participants The company is
looking to relaunch its failed capital raising exercise after appointing new set of
bankers.
WHO IS THE MD AND CEO OF YES BANK?
RanaKapoor is the Managing Director & CEO of YES BANK. As a professional
entrepreneur, since 2003, he
is progressively establishing a high quality, state-of-the-art private Indian Bank with a
vision of Building the
"Best Quality Bank of the World in India" by 2025. ‖ RanaKapoor is the Founder &
CEO yes bank

WHO IS THE CHARMAN of Yes Bank?

Mr. Ashok Chawla has been on the Board of YES BANK since March 2016 and
currently holds the position of
Non-Executive Independent Chairman of YES Bank Limited since October 30, 2016.
Prior to joining YES
BANK, Mr. Ashok Chawla was the Chairman of the Competition Commissionof
India (―CCI‖).

Who is the owner of Yes Bank?

YES BANK is India's fifth largest private sector bank, founded by RanaKapoor and
Ashok Kapur in
2004. Yes Bank is the only Greenfield Bank licence awarded by the RBI in the last
one decade.

How many branches Yes Bank have in India?

YES BANK- RETAIL BANKING footprint expands to 500 branches covering all 28
states and 7 UTs across
India. Mumbai, Thursday, 15 August, 2013: YES BANK, India's fourth largest
private sector Bank, has further
augmented its Retail Banking footprint by establishing its 500th branch.
How can I get my customer ID of Yes Bank?

To register for YES BANK NetBanking using YES BANK Debit Card & ATM
PIN:
1 .Log on to www.yesbank.in.
2 .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 PIN.
5 .Create yourNetBanking Password
 CHP:12
HISTORY OF YES BANK

Yes Bank, incorporated in 2004 by RanaKapoor and Late Ashok Kapur, is a new age
private sector bank. Since
inception Yes Bank has fructified into a ‗―Full Service Commercial Bank‖ that has
steadily built Corporate and
Institutional Banking, Financial Markets, Investment Banking, Corporate Finance,
Branch Banking, Business andTransaction Banking, and Wealth Management
business lines across the country, and is well equipped to offer a range of products
and services to corporate and retail customers.YES BANK offers a full–range of
client–focused corporate banking services, including working capital finance,
specialized corporate finance, trade and transactional services, treasury risk
management services, investment
banking solutions and liquidity management solutions among others to a highly
focused client base.The bank is part of global thought leadership forums like the
Clinton Global Initiative (CGI), Triple Bottom Line
Investing (TBLI) and Tallberg Forum. Recently, it became the first Indian Bank to
become a signatory with the
United Nations Environment Programme (Financial Initiative).
As part of the differentiated strategy, Yes Bank has had a strong focus on
Development Banking, as is evident from the cutting–edge work that t the Bank has
done in the area of Food & Agribusiness, Infrastructure, Microfinance, and
Sustainability which in most cases has been first–of–its kind in India.
Yes Bank has partnered with various companies for delivering quality products and
services namely Cash Tech,
Cisco Systems, Gartner, Intel, i–flex, Reuters, VSNL, Wipro, De La Rue, Murex,
Wincor Nixdorf and Sanovi.
The bank also has a widespread branch network of over 331 branches across 200
cities, with over 420 ATM's and 2
National Operating Centres in Mumbai and Gurgaon.
Business Areas
Corporate and Institutional Banking– The bank offers a broad range of financial and
risk management solutions to clients such as large Indian corporates and groups,
multinational companies, central and state governments, government bodies and
public sector enterprises.Business Banking– Yes Bank offers a range of products,
services and resources to small and medium businesses.
Corporate Finance– It offers corporate finance solutions to various clients such as
local corporates, multinational companies, financial institutions and public sector
undertakings.
Retail Banking– Under this, the bank offers wide range of products and services such
as saving account, current account, fixed deposit, retail loan, depository services and
many more.
Investment Banking– Yes Bank offers investment banking services in area of mergers
and acquisitions, divestitures,
private equity syndication and IPO advisory.

Awards &Recognitions :

In March 2014– The Bank was awarded the ―Ramkrishna Bajaj National Quality
(RBNQ) Business Excellence Award – 2013‖ in the Services Category. Organized by
Indian Merchants‘ Chamber, YES BANK is the only bank to win this prestigious
award in the history of the RBNQ Award.Outstanding Business Sustainability
Achievement Karlsruhe Sustainable Finance Awards Germany, 2013
Jamnalal Bajaj UchitVyavaharPuraskar (Service Enterprises–Large) Council for Fair
Business Practices (CFBP) 2012.

Institutional Excellence

YES BANK receives the 'Fastest Growing Bank' Award third year in a row at the
Business world Best Bank Awards 2011
YES BANK receives the Best Private Sector Bank Award at Dun & Bradstreet –
Polaris Software Banking Awards 2011
YES BANK receives ―Sustainable Bank of the Year (Asia/Pacific)‖ Award at FT/IFC
Sustainable Finance Awards 2011, London

Business Excellence

1) YES BANK won seven awards at Asia‘s Best Employer Brand Awards and the
CMO Asia Awards for Excellence in Branding and Marketing that were held on
July 22, 2011 in Singapore. The bank received awards in the following categories:
Continuous Innovation in HR Strategy at Work
Talent Management
Best HR Strategy in Line with Business
Excellence in HR through Technology
CEO of the Year Award to Mr. RanaKapoor
Brand Excellence in Banking, Financial Services & Insurance
\Best Corporate Social Responsibility Practice (Overall)
2) YES BANK received 'The Asian Banker Technology Implementation Awards
2011'
Won the Best Multi–channel Capability Project Award for increasing its distribution
and optimizing its mobile banking services
Won the Best Financial Supply Chain Project Award for streamlining a client‘s
business processes into a single
work flow, automating remittances and allowing for faster and more accurate
reconciliation
YES BANK‘s Chief Information Security Officer ranked as one of the Top 100
CISOs at the TOP 100 CISO Awards 2011.
YES BANK receives significant recognition at The Banker Technology Awards 2011
Won the Commercial Banking Project of the Year AwardInnovation in Cash and
Treasury Technology
 CHAPTER 13
CORPORATE & INSTITUTIONAL BANKING

In its drive to become the ‗Best Quality Bank of the World in India‘, YES Bank
leverages its relationship
capital within the Corporate and Institutional Banking segment to ensure sustained
profits and long term
value for its clients. YES Bank‘s Corporate & Institutional Banking (C&IB) division
provides comprehensive
financial and risk management solutions to clients with the turnover of a over ` 2000
crores. Your Bank's
professional relationship experts provide financial solutions to large Indian corporate
groups.
YES Bank provides a comprehensive range of client focused Corporate Banking
Services, including
Working Capital Finance, Term Loans, specialised Corporate Finance products,
Trade, Cash Management
& Transactional Services, Treasury Services, Investment Banking Solutions and
Liquidity Management
Solutionsto name a few. All product offerings are suitably structured after in depth
research and
assessment, taking into account the client's risk profile and specific needs, because at
your Bank,
maintaining high credit quality, is of utmost priority. YES Bank is committed to
provide innovative
financial solutions by leveraging on superior product delivery, Knowledge-based
advisory, industry
benchmark service levels and a strong client orientation. YES Bank has made
significant inroads into
developing core relationships with a number of Indian companies.
YES Bank provides industry specific financial solutions by creating tailor-made
services through superior
structuring to best suit client requirements, which helps lower entry barriers,
strengthens business
relationships, and ensures risk mitigation.

COMMERCIAL BANKING

Commercial Banking (CB) has continued to work with the objective of being
relationship partners in Growth to
serve this specialized segment of companies - generally with the turnover between `
200 crores and ` 2000 crores.
Aligned with the 7 Strategic Objectives of Version 2.0 of YES Bank, CB aims at
delivering superior customer
service, strengthening systems, controls & processes, building superior Human
Capital and developing Core

Relationships across geographies and industry segments. CB has its team members
present in 12 locations across
the country and will soon increase the presence to 17 locations.
Focused on cultivating and harnessing relationship capital, the aim has been to align
the thought process and
actions in line with the customer growth plans. YES Bank has been successful in
creating an effective partnership
with most of its customers, to transact across various banking products. The Bank aim
to further build on the
cross sell in FY12 and deepen the relationships, to eventually become a trusted
Advisor to every client.
By continuously evolving innovative, sector-specific products and services, YES
Bank paves the path for a
sustained future for companies in this "High Octane" middle market segment,
operating across the key focus
sectors like Food and Agribusiness, Life Sciences & Health Care, Media and
Entertainment, Engineering,
Information Technology, Auto Ancillary and Infrastructure thereby laying the
foundation for long-term
growth.New customer acquisition is the key to sustainable growth of CB, as well as
for other parts of the Bank.
Utilization of CRM tools is maximized to ensure a scientific way of prospecting new
customers and identifying
specific bankable opportunities, in line with the regulatory guidelines. This helps us in
delivering financial
solutions tailor-made to the specific lifecycle needs of such identified customers. This
"Lifecycle Banking"
approach has been instrumental in the Bank understanding the aspirations of the
Bank‘s customers, and
demonstrating the capability to influence sustainable growth and transformation in a
large number of the Bank's
customers, resulting in strong customer retention & loyalty and a mutually enriching
experience.
CB's Relationship Managers aim to deliver the highest standards in service to their
customers by following a
Money Doctor approach of diagnostic and prescriptive solutions, through a 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 Finance, Cash
Management and Treasury
amongst others. CB also offers a boutique of specialized services including Capital
Markets, Corporate & M&A
Advisory,
Corporate Finance and Project Advisory & Finance in partnership with product
groups to augment & suit the
dynamic and varied requirements of the customers.
MULTINATIONAL CORPORATES RELATIONSHIP MANAGEMENT
At YES 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 your Bank to provide Knowledge Driven Banking solutions to
MNCs present in India,
and those aspiring to enter India.

GOVERNMENT RELATIONSHIP MANAGEMENT (GRM)

The GRM Group at YES Bank understands the financial needs of the Union and State
Government undertakings
and agencies in their progress and development role of a Growing India through its
Knowledge Banking
approach. This is further facilitated through YES Bank‘s Technology leadership
delivering proven, easy-to-use
solutions for Government Undertakings and Agencies. YES Bank has provided
financial andadvisory services to
Ministries of the Union Government, State Governments, Central & State Public
Sector Undertakings (PSUs) and
Agencies. YES Bank remains committed to delivering innovative, structured and
comprehensive solutions, and
has accomplished several landmark transactions in this space with Maharatnas,
Navratnas, Mini Ratnas and other
Apex Institutions. In a short span of 6.5 years, the GRM group has developed robust
relationships with over 300
entities across India. The GRM group is committed to the core values of client
origination, innovation and a
superior service experience that exemplifies all businesses at YES Bank.
BRANCH BANKING
YES Bank believes in providing an unparalleled banking experience embedded in the
vision to become the ‗Best
Quality Bank of the World in India‘ to all its customers through its high quality, state
of-the-art branch
infrastructure backed by cutting-edge technology and a customer- centric approach.

YES Bank's branches are not only strategically located at premium high-street
locations but also benchmarked
with world class design standards to ensure smoother and convenient customer
engagement. YES Bank's
branches are highly accessible and facilitate warmth, coherent communication and a
consistent customer
experience across all locations. The focus is not merely on facilitating transactions,
but also on engaging,
informing and involving customers in a personalised manner thereby providing
incremental value to the
customer experience at the branch.
In fact, YES Bank has been successful in ensuring that its branches have transcended
to the next level of serving as
Community Centres facilitating Community engagement, rather than merely being
touch points.Currently, YES
Bank's customers are being served through an extensive branch network, comprising
214 branches spread over
164 locations across India as well as over 250 fully operational ATMs. YES Bank
will continue to expand its

branch presence in line with its vision of enabling financially efficient inclusive
Banking through its state-of-the-
art technology platform. While YES Bank's branches have been designed to cater to
all segments of customers

under the 'One-Bank Model', Branch Banking - Liabilities & Wealth Management,
Business Banking and Retail
Banking customers are the most frequent users of this world-class infrastructure. The
three segments, as
elaborated subsequently, together constitute the Branch Banking business. This
relationship line is an area of high
focus for YES Bank and significant investments have been made to provide an
exceptional experience to
customers from each of these segments.
Under the aegis of Branch Banking, a comprehensive
 CHAPTER 14
Branch Banking - Liabilities & Wealth Management

Yes Bank has a well defined segmented strategy and focuses on 16 identified sunrise
sectors. These sunrise
sectors have huge potential of growth given the India Growth story. The core
objective of Branch Banking is to
focus on these identified sectors and to generate granular Current Accounts & Saving
Accounts (CASA) by
focusing on emerging entrepreneurs and SME businesses such as Professional
Services - CA Firms, Law Firms,
Healthcare Firms, Consultancy Firms, Broking Firms, Educational Institutes, Trusts
Associations Societies and
Clubs (TASC), Travel and Tourism (Tour Operators), Media & Entertainment &
Lifestyle Firms, Gems &
Jewellery Firms, Retail Merchants, IT/ITeS, Logistics (Freight Forwarders), Realty &
Infrastructure, Trade
(Exporter/Importer), Hospitality (Hotels/ Restaurants), Food & Beverages, Telecom,
Pharma/Healthcare, Auto
Ancillary, Electrical Good's Manufacturers, etc..
Yes Bank has developed a comprehensive & customized business solution for all the
identified focused segments
& individual customers (Resident & Non Resident) to address their Business and
Wealth Management
requirements. Your Bank goes beyond the traditional realm of banking and delivers
long term-value through:
• Effective Relationship Management
• Customized Product Solutions
• Premium Touch Points – Direct Access
• Advisory and Wealth Management Services
a. Relationship Segments
Yes Bank provides an extensive array of Branch Banking offerings to strengthen
customer relationships. The Bank
categorizes its relationship base of Branch Banking customers into three distinct
groups based on the relationship
size:
• which provides value-added services to customers by offering them a combination
of superior service
• standards and expertise in wealth management.
• which offers a combination of superlative service standards, expertise in wealth
management and
customised investment advisory solutions, and value-added services like convenience
benefits,
concierge solutions and premium lifestyle privileges to its High Networth Individuals
(HNIs) customers.
• which offers personalised, confidential and tailormade wealth management and
financial solutions to
HNIs with additional services in the area of Private Equity, Art and Real Estate
Advisory along with
convenience benefits, concierge solutions and lifestyle services.
• encompasses the above three segments with the unanimous objective of providing a
superior service
experience to the Non-resident Indian customer, by presenting a comprehensive suite
of basic banking
facilities, online remittances, differentiated Wealth Management and Investments in
alternate asset
classes.
b. Premium Touch points
Yes Bank fulfills its promise of 'Superior Service Experience' by employing an array
of customised solutions to
meet all financial needs, combined with a world-class Branch Ambience, convenience
of Direct Access, an
exemplary Service Culture and Knowledge Expertise.
Direct Access
Customers of Yes Bank can avail of a 24x7, consistent superior service experience
through various direct access
touch points, branded 'YES TOUCH'. Yes Bank strongly believes in the financially
inclusive nature of technology,
and is fully committed towards ensuring that the best-in-class technology platforms
are leveraged to the fullest to
extend superlative banking solutions to all customers in record time across various
channels like Internet, Mobile,
ATM and Phone using the latest technology. Customers can also access information
on your Bank's products and
services through a well-structured website at www.yesbank.in
c. Advisory & Wealth Services
Yes Bank follows an integrated approach towards providing complete 'Wealth
Management Solutions', based on
comprehensive Risk Profiling, Asset Allocation and Investment Monitoring
Processes. These solutions are
anchored on timely advice provided to customers in the form of regular performance
updates and reports on
product and market developments, based on their investment

INFORMATION TECHNOLOGY

Yes Bank has adopted innovative modern technology and best in class international
banking practices with
respect to governance frameworks – to ensure that it renders the highest standards of
service quality and
operational excellence to its customers. As a new generation Bank, Yes Bank has
deployed ―Technology‖ as a
Strategic Business enabler - to build a distinct competitive advantage and to achieve
superior standards of
Customer Service.
The technology architecture and the innovative IT Outsourcing structure has enabled
Yes Bank to achieve high
standards of Customer Service at comparatively lower cost structures. Innovations
like Money Monitor
(aggregation of customer accounts of all types across 11,000 institutions globally),
Mobile Money Services, dual
factor authentication, one view of customer relationship, and most advanced voice
enabled IVR helps the
products and sales teams to offer superior products and services.
Yes Bank‘s Technology team focuses on enabling innovative, timely, effective and
efficient solutions to make Yes
Bank the ‗Best Quality Bank of the world in India‘. The values are:
• Achieve customer delight through service excellence and futuristic solutions
• Build a motivated, lean & high performance team
• Build a culture of risk appreciation, transparency & cost consciousness
• Be proactively aligned with business and organizational needs
Additionally Yes Bank continues to strengthen its strategic partnerships with some of
the best known IT majors
globally, to develop innovative system features in order to improve process
efficiencies and create sector-specific
banking solutions. Additionally the development of a robust Business Continuity plan
in Yes Bank addresses
risks and secures systems that are vital to business operations.
In the current fiscal, the following initiatives were undertaken:
• A Business Intelligence platform provided to users of the Bank with focused
dashboards relevant to their
role and function has been extended as ―Insights to Engage‖ to enable better customer
engagement and
superior customer service.
• Mobile Money Services by YES BANK, an innovative mobile payment service
launched in partnership
with Nokia augments Financial Inclusion amongst the unbanked and under-banked
consumer segments
by bringing financial services to the consumers‘ mobile phone and has created a
financial eco-system
which is inclusive, sustainable and scalable. This cutting-edge technology facilitates
convenience and
ease of usage in making mobile payments through mobile phones, across the country.
• YES BANK has been awarded ―The Asian Banker Technology Implementation
Awards‖ for ‗Best HR
Systems Implementation‘ in 2010 and for ‗Best Financial Supply Chain project‘ and
‗Best Multi-channel
Capability (Mobile Money Services)‘ in 2011
• YES BANK also garnered Special citation award by ‗Financial Insights innovation
Awards 2011‘ for
‗Mobile Money Services‘ in Singapore.
• YES BANK got the most coveted award in ‗Implementation of IT Governance
Practices‘ by ISACA
• YES BANK shortlisted in top 3 for the second consecutive year at NASSCOM IT
User Award for Mobile
Money Services
• Yes Bank‘s strategic partnership with Cordys for implementation of a Business
Process Management
Suite has helped in automation of processes, straight through processing, robust audit
mechanisms and
flexibility to quickly launch new customer products.

• Yes Bank is evaluating cutting edge technologies like Virtualisation, Cloud

computing and Social Media
to invest in the best in class IT systems and practices and in order to ensure that the its
technology
platform becomes a Strategic Business tool for building a Competitive Advantage.
4. A brief history of the issuer since its incorporation giving details of its activities
including any
reorganization, reconstruction or amalgamation, changes in its capital structure,
(authorized, issued and
subscribed) and borrowings, if any
History
YES Bank was incorporated as a Public Limited Company on November 21, 2003.
YES Bank obtained its
certificate of Commencement of business on January 21, 2004. Subsequently, in
March 2004, the Bank achieved
themobilisation of the initial minimum paid up capital of Rs 2000 million. Further, the
Promoters by their letter
dated March 29, 2004 made a final application for a banking licence under Section
22(1) of the Banking Regulation
Act, 1949 providing complete details of the capital structure, the composition of
Board of Directors, the proposed
human resources, information technology, premises and legal policies and the
business and financial plan of the
Bank. RBI by their letter dated May 24, 2004, under Section 22(1) of the banking
Regulation Act, 1949, granted us
thelicence to commence banking operations in India on certain terms and conditions.
Further, RBI by their letter
dated September 2, 2004, included the Bank inthe second schedule of the RBI Act,
1934 with effect from August
21, 2004 and a corresponding notification was published in the Official Gazettee
 CHAPTER 15
CREDIT RATING

For Unsecured Non Convertible Tier II Subordinated Bonds

ICRA has assigned a ‗LAA‘ (L Double A ) rating with a stable outlook to the Lower
Tier-II Bond Issue of the Bank
of ` 750 Crore. This rating indicates the high credit-quality-rating assigned by ICRA.
The rated instruments
carries low credit risk. The text of the rating letter from ICRA is reproduced
elsewhere in this Disclosure
Document.
CARE has assigned CARE AA (Double A) rating to the Lower Tier-II Bond Issue of
` 750 Crore. Instruments with
this rating are considered to offer high safety for timely servicing of debt obligations.
Such instruments carry very
low credit risk. The text of the rating letter from CARE is reproduced elsewhere in
this disclosure document.
The rating is not a recommendation to buy, sell or hold the Bond and investors should
take their own decision.
The rating may be subject to revision or withdrawal at any time by the assigning
rating agency and each rating
should be evaluated independently of any other rating. The rating obtained is subject
to revision at any point of
time in the future. The rating agency has a right to suspend, withdraw the rating at any
time on the basis of new
information, etc.
 CHAPTER 16
Sustainable Investment Banking (SIB)

Yes Bank has established a specialized investment advisory known as SIB for
sustainable ventures with a focus
on: (i) Alternate Energy & Environment Advisory and (ii) Social Enterprises & Rural
Advisory. The team is one of
the few specialized Investment Banking divisions actively involved in supporting
initiatives on renewable
energy, clean technology and socially sustainable sectors (broadly defined as
healthcare, education, livelihood
creation, water and sanitation, etc.). SIB successfully secured strategic seed-stage
investment for an Australian
company which has developed a patented solar technology with an aim to produce
low cost and high quality
power with wide applicability. This transaction established SIB‘s credentials in the
area of cross border
technology transfer and technology commercialization, a highly specialized and
challenging area given the risks
involved in such an early stage of investment. The group also acts as the exclusive
Country Advisor for the
Global Environment Fund, USA (GEF) one of the largest and oldest private equity
firms focused on investing in
the environmental space. During the year, the team provided investment advisory
services to GEF for their USD
25.5 mn private equity investment in Saisudhir Infrastructures Limited. A Hyderabad-
based engineering,
procurement and construction (EPC) company focused primarily on developing water
supply and sanitation,
irrigation and electricity transmission and distribution infrastructure across India.
In addition, with a view to strengthen the carbon advisory service offering to its
clients, Yes Bank has entered into
an exclusive strategic alliance with a leading UK based carbon broker named
‗CarbonDesk‘ under the aegis of
which both parties jointly organized The CarbonDesk Knowledge Forum in Mumbai
and Delhi for the Bank‘s
clients. Through this alliance Yes Bank seeks to provide high-quality risk
management services for the carbon
portfolio of its clients. SIB also recognizes its role and responsibility in extending
awareness on the concept of
Sustainability across stakeholders and has participated as Key Speakers/ Knowledge
Partners in various forums
such as the ‗Renewable Energy Certificates Conclave 2010 (November 2010,
Mumbai); ‗Green Investing in India‘
(December, 2010, Paris); and the ‗VCCircleCleantech Investment Summit‘ (January
2011, Delhi). The team also
contributed to the crucial chapter on finance in The Climate Group‘s flagship report –
―India‘s Clean Revolution‖
(released in March 2011).

PRIVATE EQUITY/SUSTAINABLE INVESTMENT

MANAGEMENT

Tata Investment Programme

To deepen its impact on the sustainability space, Yes Bank proposed to establish a
Syndicate comprising YES
BANK and upto two to three financial institutions towards a socially and
environmentally responsible equity
investmentprogramme (referred to as ―Tatva‖). Tatva will invest equity in early stage
Small & Growth
Enterprises profitably delivering positive people and planet impact. To this end, Yes
Bank is committing USD 11
mn as the Anchor Investor to the Tatvaprogramme thesis. Tatva was selected for
funding under SCAF - a
regional technical assistance programme run by Asia Development Bank (ADB) and
United Nations Environment
Programme (UNEP) designed to support the creation of a seed capital investment
strategy focused on the clean
energy sector within the broader investment offerings of venture capital funds across
Asia.

SACEF
Yes Bank has co-sponsored the South Asia Clean Energy Fund (SACEF), with GEF
as principal sponsor. The Fund
has successfully achieved its first close at approximately USD 57 mn and is
nowactively looking for investments
in the target space of clean energy, clean technology and energy efficiency.
Service and Technology Capital
Yes Bank relies on exceptional Service and Technology to build the ‗Best Quality
Bank of the World in India‘.
Various mission critical back-end functions including key Business Processes, Quality
Assurance, External &
Internal Service Delivery Standards, Technology Architecture, Risk Management and
Internal Audit as well as
your Bank‘s high quality Human Capital function seamlessly to deliver a world class
banking experience. Yes
Bank continuously integrates innovative information technologies and management
programs to not only ensure
efficient service delivery and human resource management, but also to significantly
reduce consumption of
critical resources, i.e. paper, electricity and water.
BUSINESS PROCESS –CREATING A QUALITY
ORGANISATION

To deliver optimum results, Yes Bank has seamlessly extended its professional
outlook across its business
processes. Yes Bank envisions tobecome the "Best Quality Bank of the World in
India'' by 2015. In recognition of
the Bank's Strategic Intent, Yes Bank imbibes a culture of professional
entrepreneurship where every employee
plays an important role in the Bank's growth. Yes Bank incorporates highly
professional practices into its business
process to generate added efficiencies and long-term growth. These processes ensure
an effective maintenance
mechanism through ongoing feedback as well as complaint resolution from
employees as well as customers.
Prudent internal and external audit policies, effective risk management systems and
state-of-the-art technology
platforms help in implementation of optimum business processes and are key to
ensuring Yes Bank's core
customer promise of providing a "Superior Service Experience".
Some key business processes initiatives implemented towards the same include:
• Two world-class National Operating Centres (NOC) based out of Mumbai and
Gurgaon have been
established with a focus on providing an immediate response to customer requests, as
also to provide
Business Continuity Planning. The NOCs house the centralised back office functions
of various
businesses including the YES TOUCH Contact Centre, which is located at NOC,
Gurgaon
• Adherence to Business Excellence frameworks & Quality practices such as Five S,
Quality Circle, Lean
Six Sigma and ISO 9001 Standard. Back Office operations at both the NOC's and 101
key branches are
covered under the ISO 9001 (Quality Management System) certification. Yes Bank‘s
Complaints
Handling systems are certified for ISO 10002
• Business processes are supported by best-in-class business solutions and superior
information
technology platforms - with a view to optimise productivity (based on Time and
Motion & Time and
Material studies).
• Critical evaluation of all critical to quality parameters, including an End to End (e2e)
review/ analysis of
all critical business processes
• Yes Bank is committed to building a culture of Quality &Innovation. Steps taken in
this direction include
benchmarking, identification & implementation of Best and Next Innovative
Practices, with a view to
enhance Customer Experience
• Framework for measurement of Customer Experience – with a view to ensure that
customer feedback
across each experience / touch-point (including customer complaint registers,
customer satisfaction
surveys, telephonic surveys and employee feedback) is collected, analysed and
auctioned upon
• Leveraging Social Media as a new channel for Customer Service to address
queries/complaints, receive

feedback& garnering inputs on service (VOC) and share relevant content

about products &services,
brand building and press release
• The Customer Query Management System (CQMS) is used as the single touch point
for handling,
escalating and resolving customer grievances
• The Query Resolution Unit (QRU) formed as a part of the YES TOUCH Phone
Banking Service, ensures
effective follow-up and resolution of customer queries and complaints
• Adherence to Banking Codes and Standards Board of India (BCSBI), Goiporia
Committee
recommendations and the Committee on Procedures and Performance Audit of Public
Services
(CPPAPS) guidelines
Embedding a Continuous Improvement Approach:
Quality Assurance and the Service Delivery Unit provide a framework, through which
Yes Bank imbibes a
culture of continuous improvement. The Quality Policy at Yes Bank states - "YES
BANK will strive to ensure a

Superior Service Experience through Operational Excellence, Innovation, Cutting-

edge Technology and Best-in-
class Systems and Processes in its mission to become the Best Quality Bank of the
World in India by 2015"

The Service Quality Strategy

Yes Bank has a three pronged structure to bolster customer service – Customer
Experience, Innovation & Quality
Assurance Units. Customer Experience Unit captures the Voice of the Customer
(VOC) assesses the performance
on key Service Drivers. The Innovation initiatives are managed through the
Innovation Centre which acts as a
clearing house for ideas to help Yes Bank implements Next Practices across products,
services and channels. The
Quality Assurance Unit draws upon quality methodologies practiced by world-class
organisations in building
institutional excellence.
SCHEMES
YES KISAN DAIRY PLUS
YES KISAN DAIRY SCHEME

India has emerged as the world‘s largest milk producer, accounting for around 17% of
the global milk production with an estimated production of 132.4 million tonnes
during 2012-13, making the dairy sector the largest contributor to the agricultural
GDP. Thus it is estimated that the dairy sector has generated revenues worth over INR
4.63 thousand crore in FY 12-13, assuming an average consumer price of INR 35 per
litre. Given the dairy sector‘s importance in rural employment and revenue
generation, YES BANK extended a complete range of financial products to dairy
farmers under the aegis of YES Kisan Dairy Plus.
Through YES Kisan Dairy Plus, farmers are now able to directly experience the
services of a formal financial institution, a first-of-its-kind experience for many of
them. The Bank has developed a system wherein it can immediately credit the
payment for milk procured in the farmer‘s account, (wherever a dairy processor has
installed advanced automated milk testing machinery), based on data provided. In
addition to the instant milk payment it also offers Basic Saving Account (BSA) with
7%* interest and ATM-cum-Debit Card, free unlimited withdrawals on any bank‘s
ATM, lean season Over-draft (LSOD) facility, unlimited deposit/withdrawals at YES
BANK‘s specially deployed YES SAHAJ hand held device.

YES KISAN DAIRY PLUS

YES KISAN DAIRY PLUS
FIXED DEPOSIT SCHEME

A steady source of income is imperative at all points in your life. At YES BANK, we
understand this need for security. Our secure Fixed Deposits provide you greater
earnings with the flexibility of maintaining your funds in accessible units; therefore,
you do not need to break the entire deposit. Enjoy this privilege in different ways as
YES BANK offers you a range of Fixed Deposit schemes that give you a good rate of
interest, thereby providing you with a strong sense of security.
Tax Saver Deposits - Five years tax-free Fixed Deposit (Interest Rates same as
Regular Fixed Deposits)
Important Points:
 Interest on deposits is payable either quarterly or compounded quarterly (i.e., re-
investment of interest) or monthly at a discounted value at the option of the
depositor
 For deposits with tenure of below 6 months 1 day, the interest is calculated at
maturity as Simple Interest*
 As per changes in the Finance Bill 2015, effective 1st June 2015, TDS on Term
Deposits in now applicable at Bank level instead of branch level.
 As per section 206AA introduced by Finance (No. 2) Act, 2009 w.e.f. 01.04.2010,
every person who receives income on which TDS is deductible shall furnish his
PAN, failing which TDS shall be deducted at the rate of 20% (as against 10%
which is the existing TDS rate) in case of Domestic deposits and 30.90% in case
of NRO deposits
 In the absence of PAN, Form 15G/H and other exemption certificates will be
invalid even if submitted & penal TDS will be applicable
 Customer can submit form 15G/H to avail benefit of TDS exemption. In case the
amount in 15G/H exceeds the applicable minimum tax exemption limit, the form
would not be valid
 Please visit your nearest YES BANK branch to submit or confirm updation of
your PAN with the bank
 Fixed Deposits with value of less than Rs. 1 Crore can be booked on our Net
Banking portal. For Fixed Deposit with value of more than or equal to Rs. 1
Crore, please visit our Branch or speak to your Financial Adv
PORTFOLIO INVESTMENT SCHEME

Reserve Bank of India (RBI) has permitted NRIs to invest in shares / convertible
debentures of Indian companies by obtaining a Portfolio Investment Scheme (PIS)
approval from a designated bank (Approved by the RBI).
Portfolio Investment Scheme (PIS) allows NRIs to invest in shares of Indian
companies, in secondary market, under repatriation or non-repatriation basis in
respect of shares or convertible debentures sold or purchased through a registered
stock broker on a recognised stock exchange. Any other modes of acquiring shares are
not covered under this scheme i.e., shares purchased through IPOs, as resident
individuals, bonus shares etc.
YES BANK is authorized by RBI to give PIS permissions for an NRI to transact in
Indian Secondary Market.
ADVANTAGES OF SAVING ACCOUNT
EARN MORE

• Enjoy up to 70% more with your YES BANK Savings Account

• Titanium Debit Card with Lost Card Liability Protection and Purchase
• Protection of INR 25,000 each* and exciting offers and discounts
• Quarterly payout of Savings interest

SAVE MORE
• Tax-free interest income up to INR 10,000 on Savings accounts
• Free RTGS/NEFT payment facility through Net Banking
• Free Demand Draft issuance up to defined limits through Branch and Net
Banking

• Free utility bill payment facility through Net Banking for registered
billers
• Free set-up of Standing Instruction facility
Customized saving account:
YES BANK brings, first of its kind, ALL NEW CUSTOMIZABLE Savings
Account that gives the customer, the POWER TO CHOOSE, instead of offering
off-the- shelf products.

To create a customized Savings Account, a customer can visit the YES BANK
website (www.yesbank.in) or any of the YES BANK branches, and choose from a
range of options. Along with enabling the customer to create an account that suits
his or her lifestyle and banking preferences, the Customizable Savings Account
will also protect the customer against unwarranted charges by eliminating
unnecessary account features.

The Customizable Savings Account will also continue to offer up to 70% more*,
maximum tax exemption benefit with 34% lesser investment in terms of balances,
superlative digital banking solutions suited to a ―Less-Cash Economy‖, and a
consistent and superior service experience.
YES BANK brings an all new Customizable Savings Account which gives YOU
the power to choose your own:
• Debit Card
• Pricing Option (alternative to maintaining minimum balance)
• Account Benefit Packages
• YES Delights (complimentary introductory offers on other YES BANK
products)

ADVANTAGES OF CUSTOMIZED SAVING ACCOUNT

MORE CONVENIENCE

• Unlimited access to ATMs of any bank across India

• True Anywhere Banking facility for access to any YES BANK branch
across India
• One View of your Savings Account, Fixed Deposits, and Mutual Funds
with YES BANK Net Banking
• Mobile and SMS Banking to keep you updated on the account activity
on-the- go
• Convenience of Single Personal Identification Number for all electronic
channels including Internet, Mobile, Phone and ATM Banking.
• Debit Card with exciting offers Unlimited access to ATMs of any bank
across India

Saving account Smart Salary

A Smart Salary Account with host of benefits & services to meet all your
banking
requirements.
EARN MORE
• Enjoy upto 70% more with your YES BANK Savings Account^
• Quarterly payout of Savings interest
SAVE MORE
• Tax-free interest income up to INR 10,000 on Savings accounts
• Free Demat Account Opening, standard AMC charges applicable
• Free Personal Accident Death Cover, Lost Card Liability and Purchase
Protection on your Debit Card
• Free RTGS/NEFT payment facility through Net Banking
• Free Demand Draft issuance up to defined limits through Branch and Net
Banking

Free utility bill payment facility through Net Banking for registered billers
• Free set-up of Standing Instruction facility
*Exemption of interest income up to Rs.10,000 is applicable for Savings Accounts
held by individuals and HUF only.
MORE CONVENIENCE
• Free & unlimited transactions across all YES BANK ATM
• First 5 transactions free on the other bank ATM‘s in India
• Free Supplementary Debit Cum ATM Card for Joint Account holder
• YES BANK Pay Now Enjoy the convenience of recharging your
Phone/DTH, paying your bills, loan EMIs & insurance premium, all at
one place
• True Anywhere Banking facility for access to any YES BANK branch
across India
• One View of your Savings Account, Fixed Deposits, and Mutual Funds
with YES BANK Net Banking
• Use your mobile to transfer money to any bank account instantly through
our IMPS facility
• Mobile and SMS Banking to keep you updated on the account activity

on-the- go
• Convenience of Single Personal Identification Number for all electronic
channels including Internet, Mobile, Phone and ATM Banking.

Smart Salary Platinum:

CURRENT ACCOUNT

CURRENT ACCOUNT ADVANTAGES

• Same requirement of minimum account balance across tiers

• Auto Revision of features & benefits based on usage
• Cash Deposit Machine # – A unique proposition at the Branch / Market / At
your premises
• Choose your Value Added Services through our Value Added Banking
Convenience Banking
• Free Internet Banking & IMPS to track your funds online at anytime&
from anywhere
• Scan banking Solution to send your bulk transaction requests in secured
mode through Desktop/Laptop
• Free usage of Business Debit Cards at ATMs / Merchant Establishments
and for Online Payments
• Doorstep banking services (cheque pick-up and cash pick-up/delivery)
Value Added Banking Packages
• Premium value added services are available as add-on to our proposition
• Range of products from EDC Terminals banking to payment gateway,
cash management services and Trade & Remittance product for global
businesses
• Choice of services basis your business requirement, enabled with
minimum documentation***

Auto-Upgrade Facility
Our first-in- the-industry Auto-Upgrade facility $ dynamically reviews usage of your
Current Account, thus offering you the right products and benefits.
• This facility will let you avail higher free limits and better services
without going through the hassle of new account opening or sending
instruction to the bank
• Your Current Account will be reviewed on regular basis and may be
upgraded / moved to a lower Tier based on your banking behavior
• Even if your Current Account moves to a lower tier, it is not penalized
with non-maintenance charges

A steady source of income is imperative at all points in your life. At YES BANK,
we understand this need for security. Our secure Fixed Deposits provide you
greater earnings with the flexibility of maintaining your funds in accessible units;
Deposits in now

FIXED DEPOSITS:

A fixed deposit (FD) is a financial instrument provided by banks or NBFCs which

provides investors with a higher rate of interest than a regular savings account,
until the given maturity date. It may or may not require the creation of a separate
account. It is known as a term deposit or time deposit in canada Australia New
zealand and the US and as a Bond in the united kingdom and india.They are
considered to be very safe investments. Term deposits in india is used to denote a
larger class of investments with varying levels of liqidity

The defining criteria for a fixed deposit is that the money cannot be withdrawn
from the FD as compared to a recurring deposit or a demand deposit before
maturity. Some banks may offer additional services to FD holders such as loans
against FD certificates at competitive interest rates. It's important to note that
banks
may offer lesser interest rates under uncertain economic conditions.
The interest rate varies between 4 and 11 percent. The tenure of an FD can vary
from 7, 15 or 45 days to 1.5 years and can be as high as 10 years. These
investments are safer than Post Office Schemes as they are covered by the Deposit
Insurance and Credit Guarantee Corporation (DICGC). However, DICGC
guarantees amount up to 1,00,000 (about $1555) per depositor per bank. They
also offer income tax and wealth tax benefits.
RECURRING DEPOSIT:

Recurring Deposit is a special kind of Term Deposit offered by banks in India

which help people with regular incomes to deposit a fixed amount every
month into their Recurring Deposit account and earn interest at the rate applicable
to Fixed Deposits.
It is similar to making FDs of a certain amount in monthly installments, for
example 1000 every month. This deposit matures on a specific date in the future
along with all the deposits made every month.
Thus, Recurring Deposit schemes allow customers with an opportunity to build up
their savings through regular monthly deposits of fixed sum over a fixed period
of time. Minimum Period of RD is 6 months and maximum is 10 years.
The Recurring Deposit can be funded by Standing instructions which are the
instructions by the customer to the bank to withdraw a certain sum of money from
his Savings/ Current account and credit to the Recurring Deposit account.
When the RD account is opened, the maturity value is indicated to the customer
assuming that the monthly installments will be paid regularly on due dates. If any
installment is delayed, the interest payable in the account will be reduced and will
not be sufficient to reach the maturity value. Therefore, the difference in interest
will be deducted from the maturity value as a penalty. The rate of penalty will be
fixed upfront. Interest is compounded on quarterly basis in recurring deposits.
One can avail loans against the collateral of Recurring deposit up to 80 to 90% of
the d
Yes Bank Short-Term RD Interest Rates:
Yes Bank Recurring Deposit can be held for a short deposit term ranging from a
minimum tenure of 6 months to not more than 9 months at an interest rate of
7.25%.
For a period from 12 months to 15 months, the interest rate offered on a recurring
deposit worth less than Rs. One Crore is 7.75%.
Yes Bank Medium and Long Term RD Interest Rates:
Yes Bank Recurring Deposits can also be opened for a medium term of 18 months
to 21 months and for a long term of 24 months up to a maximum period of 10
years. For a deposit worth less than Rs. 1 crore over a period ranging from 18
months to 21 months, the interest rate offered on general RD is 7.75%. For
deposits worth less than Rs. 1 crore over a period ranging from 24 months to 10
years, the interest rate applicable is 7.75%.
Yes Bank Senior Citizen RD Rates:
Yes Bank provides additional benefits to Senior citizens who open an RD account
with the bank by giving an extra hike of 0.50% on the prevailing interest rates. In
this case, for a recurring deposit scheme for a tenure of 6 months to not more than
9 months, senior citizens can avail 7.75% interest and for a period of they can
enjoy an12 months to 15 months interest rate of 8.25%.For a recurring deposit

scheme held for a period more than 18 months to maximum 10 years, an interest
rate of 8.25% can be availed by senior citizen.

Yes Bank RD Rates Below

CHANNEL FINANCE

YES BANK‘s financial supply chain solutions provide holistic financing

opportunities and value added services to improve operational efficiencies for all
stages of the corporate supply chain. YES BANK partners with corporate clients
(anchors) to provide liquidity support for their vendors and dealers thereby
providing greater financial control and enhancing supplier relationships.
Vendor Finance: The program provides financing receivables of Vendors of
reputed anchors to enable vendors to enjoy timely availability of funds
Dealer Finance: The program provides financing purchases of Dealers from
corporate clients. Both anchors & Dealers can make use of improved Cash flows

The YES BANK Advantage

• Best-in- Class technology platform to increase transactional convenience
• Customized solutions & integration with corporate ERP systems
• Reduction in operational costs with streamlined processes
• Wide network to ensure ease of operations and faster turnaround time
• Competitive financing options for vendors & dealers
• Complete Banking solutions for MSMEs

Loan Against Property

YES BANK introduces Loan Against Property (LAP). Unleash the power of your
property to fulfill your dreams.

Eligibility
Salaried
• Minimum Income – Rs.3 Lakhs Per Annum
• Minimum Age – 23 Years, if income of the applicant / co-applicant is
considered, 21years & if income of the applicant / co-applicant is not
considered
• Maximum Age - 60 Years, if income of the applicant / co-applicant is
considered& 70 years, if income of the applicant / co-applicant is not
considered
• Experience – 6 months in current employment, 3 years in total employment
Self Employed
• Minimum Income – Cash Profit of Rs.4 Lakhs Per Annum

• Minimum Turnover – Rs.15 Lakhs per annum for service providers /

commission income, Rs.10 Lakhs per annum for doctors, Rs.60 Lacs for non
service providers
Minimum Age – 23 Years, if income of the applicant / co-applicant is
considered& 21years, if income of the applicant / co-applicant is not
considered
Maximum Age - 65 Years, if income of the applicant / co-applicant is
considered& 70years, if income of the applicant / co-applicant is not
considered
No of years in business / profession – minimum 3 years

CREDIT CARD BILL PAYMENT

Easy ways to make YES BANK Credit Card Bill Payment

You can pay the YES BANK Credit Card Bill through the following convenient
channels
a) For YES BANK Account Holders:
• Net Banking: Register yourself for the YES BANK Net Banking and make
Credit Card payments online
• Standing Instruction: You can submit a written instruction to automatically
debit a pre-determined portion of your monthly outstanding from your
Savings/Current Account to your Credit Card Account.
• ATM Funds Transfer: You can transfer funds from your Savings/Current
Account to your Credit Card Account at any YES BANK ATM.
b) For All Customers:

• NEFT: You can make payment for your Credit Card through NEFT fund
transfer mode from other bank accounts. Please add your YES BANK Credit
Card as a beneficiary. Use IFSC code to make payment through NEFT.
• Billdesk: Click on the given link to make the payment using Billdesk facility
for payment from other Bank NetBanking
 Cheque Payment: You can make your Credit Card payment by cheque,
quoting your 16 digit YES BANK Credit Card Number, and drop the cheque
at nearest YES BANK drop box. Please mention your name and mobile
number on the back of the cheque.
 Cash Payment: You can also make payment through Cash at YES BANK
Branches.

BANK WITH YES BANK

YES 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

YES MOBILE

YES BANK's Mobile Banking Application YES MOBILE meets all your
banking
needs on the move. Now you can bank with YES BANK, in a convenient and
hassle-free way, anytime and anywhere using your mobile phone. What‘s More! -
This service is absolutely FREE.
Note: Merchant Services categories will be launched in phases.
CORPORATES LOANS AND ITS TYPES

WORKING CAPITAL FINANCE

At YES BANK, we understand the challenges and complexities faced by
businesses in managing cash flows. With our innovative working capital solutions,
we help our clients to bridge cash flow mismatches and maximize the business
potential.

YES BANK Advantage

YES BANK Relationship managers have deep industry expertise to tailor the
solutions to your precise requirement
• Facilities Offered at competitive rates with fast processing and quick
availability
• Simplify your payables and receivables with access to a comprehensive range
of solutions

• Wide variety of digital solutions to meet your unique business needs

Speak to our expert RMs to get a tailored solution for your business...
• Cash Credit
• Working Capital Demand Loan
• Bill Financing
• Non-Funded Facilities among others
•

TERM LENDING

At YES BANK, we understand the banking requirements of the corporates during

their growth journey. To help the corporates grow and expand, we provide funding
through term loans for capacity expansion, plant modernization, purchase of

commercial assets, etc.

The term loans can be used to set up new industrial unit or to expand/modernize an
existing unit and to purchase commercial assets. The term loans have flexible
repayment tenure and can be customized basis the assessment done on future cash
flows.
We provide debt solutions from local and international markets to both and public
sector institutions. Our strong relations with Borrowers, other banks and
Institutional investors help our clients to fulfill their desired financing
requirements.

STRUCTURED FINANCE

YES BANK provides structured financing solutions to corporates to meet their

complex financing requirements. With a strong regulatory and legal understanding
to structure complex transactions, we assist corporates in obtaining superior
financial returns in a risk mitigated manner. Since inception, with a strong focus on
Corporate Banking capabilities, YES BANK has executed several marquee
structured deals with India‘s leading Industry giants.
Our structured finance team provides customized solutions like:
• Acquisition financing

• Lease rental discounting

• Securitization
• Off-Balance Sheet Structured Solutions
• Quasi-Debt Structures such as preference share
ONLINE BANKING

YES BANK offers state-of- the-art internet banking facilities to bank in a

secure and convenient way skipping the hassle of long queues or delays
from the location of your choice.

RETAIL NETBANKING

YES 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 Registration through Debit Card and PIN

• Enhanced security with Two Factor Authentication
• Access multiple Net Banking functions using ONE screen
• View account details for Savings Account, Current Account, Fixed
Deposit, Recurring Deposit, and Mutual Fund
• Zero cost fund transfer through NEFT & RTGS facility
• 24 x 7 Money Transfer through IMPS
• 24 x 7 Real time booking of Fixed Deposit and Recurring Deposit
• Sweep in facility for managing your funds efficiently
• Manage your aspirations through Goal Based Savings
• Online Bill payment for utilities like Electricity, Telephone, Subscription
Payments along with Charity and Donations
• Track your money performance through state-of- the-art MONEY
MONITOR facility

SECURITY FEATURES

At YES BANK making your online banking secure is our top priority. It is YES
Bank constant Endeavour to take best security measures to ensure a safe and
secured experience, which include the below features
 Single Access Key: Our 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 Authentications: Our 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 Net Banking
and allows you the freedom of banking online without the need to
remember multiple passwords
 128 bit SSL Encryption: A high level of encryption standard is used for
all our Net Banking transactions. This ensures the information exchanged
between you and the Bank is completely secure
 VeriSign Certification:Our Net Banking services are certified by
VeriSign as a VeriSign secure site.
 YES Alerts: Receive 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 Net Banking 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 Net Banking
 Set up either email or SMS alerts on your Net Banking account for all
transactions
 .Log into your Retail Net Banking account at least once in a month.

BILL PAYMENTS

YES BANK's Online Bill Payments facility is a convenient service for receiving

and paying your bills online.

You can now view and pay your bills online, directly from your YES BANK
account at anytime. This service is available in various cities across the country,
for payments to billers who accept online payments. There are two types of
payment that can be made:
 Payments to Registered Billers: You need to add these Billers by using
the"AddBiller" option. Simply register your biller details and wait for
your bill to appear online. You will be notified about the presentment of
your online bill by SMS / Email on your registered mobile number &
Email ID.
 YES BANK Bill Pay+: You can also choose the "Bill Pay+" instruction
for YES BANK to debit your account and make payments to the service
provider on your behalf.
YES BANK Bill Pay+ is akin to an e-standing instruction that keeps a
tab on your bills and due dates, so that you can altogether stop taking the
effort to track your due dates, and simplify your life.

 The Bill Pay+Edge:Bill Pay+ gives yOU

1. Flexibility: Choose to Auto Pay your due amount in full or up to
a pre-specified limit
2. Total control: Keep a tab on Bill payments made through YES
BANK account - Get FREE Reminders and Payment confirmation
alerts over SMS /Email

NETBANKING SERVICES

NetBanking include multiple services to bring convenience at your figure tips,

these include Financial Services, Informational Services, Service Request, Other
Services.
Financial Services
• Transfer funds between your accounts, or third party accounts held with YES
BANK or 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 of Fixed Deposits, Recurring Deposits and Goal 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 requests
Informational 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 manager
Service 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 BANK Mobile Banking application
Other Services
• Quick Bill Payment using YES PayNow
• Online Donation to religious and charitable institutions
• Ecommerce payments option using YES BANK Net Banking on multiple
websites

TRANSACTION ZONE
YES BANK offers customers a platform in which all quick activities like paying
bills and balance inquiries have been consolidated to provide a convenient and
seamless experience
DONATION &Camp; CHARITY OPTIONS

YES BANK provides you an opportunity to support the cause you believe in for
creation of a stronger community by contributing towards a particular cause or as a
religious offering to religious and charitable institutions

ONLINE DONATION

YES BANK provides you a unique opportunity to contribute towards a particular

cause or as a religious offering to religious and charitable institutions of your

choice through a simple and easy 4-step process.

• Click on the linK. A new page will open that will display the list of recipient
organizations
• Choose the organization to which you would like to donate
• Enter the details on the donation form and submit
• Make the payment through your YES BANK NetBanking account
Such donations will also help reduce your tax liability

PRIME MINISTER'S NATIONAL RELIEF FUND

Prime Minister's National Relief Fund, (PMNRF) accepts voluntary

contributions
from Individuals, Organizations, Trusts, Companies and Institutions etc. All
contributions towards PMNRF are exempt from Income Tax under section 80(G).
The PAN number of PMNRF is AACTP4637Q.
You can make an online donation over the Internet using the YES BANK
DirectPay option

YOU WE CAN
YES BANK joins Yuvraj Singh Foundation in the fight against cancer as the
official banking partner in raising and managing funds for
the 'YouWeCan' initiative. The project is modelled on the lines of Lance
Armstrong‘s Live Strong initiative in their fight against cancer.
YouWeCan‘s core objectives:
o Awareness Building about Cancer
o Develop Cancer Detection Centre‘s pan India for Early Detection of the
tumor
o Minimize stigma against Cancer
Why did ‗YouWeCan‘ choose YES BANK:
A corporate with a strong commitment to Social Responsibility, YES BANK has a
deep rooted focus in Social Development through various

PAN Community and

Corporate initiatives. Responsible Banking is one of the key differentiators of YES
BANK with the objective of developing innovative business solutions to social and
environmental problems. YES BANK‘s strong national network coupled with
seamless net banking solutions will enable easy access to the Foundation‘s
benefactors.
For easy and safe donations for this charitable cause, please follow these
instructions:
o Issue a cheque / draft, etc. in the name of "Yuvraj Singh Foundation" or
"YouWeCan" and deposit at any YES Bank branch across the country.
o Cash deposits can also be made at any YES BANK branch pan India in
favor of "Yuvraj Singh Foundation" or "YouWeCan" Code:
YUVRAJSF. In case of Cash Deposit, please also submit your
 CONCLUSION

1. YES BANK is a full service commercial bank that offers Corporate banking,
investment banking, and personal banking services across India.

2.Indias new age private sector bank,is a state-of- art high quality,customer-
centric,service-driven bank catering to the ―Future businesses of India.‖ • Promoter
and founder-Dr.RanaKapoor and his top management team.• India‘s fourth largest
private sector bank (by balance sheet dated March 31,2012) • Yes bank has a
widespread branch network of over 380 branches across 275 cities,with 650+ ATMs
and 2 national operating centres in Mumbai and Gurgaon.
3. Vision of ―Building the Best Quality bank of the World in India by 2015.‖the
World in India by 2015.‖
4. HISTORY Yes bank is one of the biggest private sector bank in india . Yes bank
ltd. Was incorporated by Mr. ranakapoor (NOV 21,2003) The bank obtained their
certificate of commencement of business on january 21,2004.
5. In June 2005, they came out with the public issue and their shares were listed on
the stock exchanges. In the year 2006, the Bank received Financial Express Awards
for India's Best Banks. In April 2007, they made a tie-up with the Agriculture
Insurance Company of India (AIC).
6. The Bank was ranked as the No 1 Bank in the Business Today-KPMG Best Banks
Annual Survey, 2008. During the year 2008-09, the Bank opened 50 new branches
and 18 new off-site ATMs. During the year 2009-10, the Bank opened 33 new
branches. They opened 64 Branches during the year 2010-11. As of March 31, 2011,
they operated 214 branches across 164 cities in India, and approximately 250 ATM‘s.
7. Pioneering increase rate of interest in saving bank account Recently when the RBI
deregulated the savings bank deposit rate, Kapoor was the first to make a move.
Within a few hours of the RBI move, Kapoor announced that YES Bank was
increasing its savings deposit rate by 200 basis points to 6%. In the first quarter
review of the monetary policy, the RBI had left all key policy rates unchanged to
support the Rupee to stay stable. The repurchase, or the repo rate, the interest that
commercial banks pay to the RBI on short-term borrowings, has been left unchanged
at 7.25 percent, and so has the reverse repo rate at 6.25
8. percent.The cash reserve ratio (CRR), or the share of deposits banks must keep
with the central bank, is also maintained at 4 percent. Earlier this month, the central
bank had taken a number of measures to squeeze liquidity out of the banking system,
in order to ensure stability in the currency markets.YES Bank has become a
successful private sector bank after beginning operations in 2003. Net profit grew
33.10% in 2012-13 compared with 34.40% in 2011-12 and 52.20% in 2010- 11.
9. Dispute between promoters family over seat in management There wasn‘t much of
an inkling about the battle that had been brewing at Yes Bank Ltd between its two
largest promoter shareholders—managing director and chief executive officer
RanaKapoor and sister-in-law MadhuKapur―This has resulted in significant stock
volatility in the last few sessions.
The Kapurs do not have a nominee director on the board.The lawyer representing
MadhuKapur in the court proceedings had argued against the articles of association of
the bank and the fact that the bank management had not consulted with the main
shareholder on the appointments.A person familiar with the development said after
the rejection, the family of the late Kapur did not seek a role in the administration of
the bank for more than three years. But a few days before the shareholders' meet, they
raised the issue of nomination to the board, the person said on condition of
anonymity.Since there was not much time between the raising of the demand and the
shareholders' meet, the bank assured them that it would be considered at the next
board meet, the person added.
10. Facilities provided by Yes Bank Business Loans for Small and Medium
Enterprises Cash Credit/ Over Draft- A Cash Credit is a short-term cash loan to a
company and YES BANK provides it against collateralized security. Loan limit is
pre-arranged and companies can continuously draw up to the limit as and when
needed. Working Capital Demand Loans- YES BANK provides working capital
facilities in the form of Working Capital Demand Loan instead of cash credit facility.
The primary or collateral security will be as mentioned in cash credit facility. Here
also interest is levied on the amount drawn rather than on the amount utilized.
 REFERENCE

 https:www.yesbank.in/
 https:personal.yesbank.co.in/netbanking/entry
 Wikipedia
 Newspaper