A presentation by SIES

Technology Innovations for Business Growth

By

Ashutosh Athavale

Shashank Udupa

Parita Thakkar

A presentation by SIES

YES Bank Fourth largest private sector Bank..

A presentation by SIES

The Bank

New Generation Private Sector Bank

Founded by Mr. Rana Kapoor in 2004

Fourth largest private sector Bank

Over 430 branches across 275 cities, with

1000+ ATMs

Recognized amongst the Top and Fastest

Growing Banks

VISION: Building the Best Quality Bank of the World in India by 2015.

Rana Kapoor (CEO): “The reason behind naming the Bank ‘YES BANK’ was my firm

belief that our Bank's differentiation begins with its service and trust mark 'YES'. 'YES'

represents our true spirit of becoming  a high quality, customer centric, service

driven, Indian Bank.”

A presentation by SIES

The Fundamentals

• Headquarters Mumbai, India

• Net income 2472.8 Cr. (2011-12)

• Total assets 73,662.1 Cr. on FY 12

• Employees 5,642

• PAT 1658.39 Cr.

• EPS 36.53 Cr.

A presentation by SIES

The Philosophy

Use advanced technology to ensure

customer satisfaction and thereby

promoting growth.

Established as a technology savvy Bank.

Look and Feel like a European Bank.

Exclusive and focused service.

A Brand to be reckoned with.

Cyril Mahapatra (Sr. Vice President, YES Bank) : “We believe in a lot of personalization as far as our customers are concerned. We don’t make them feel that they are walking into a bank branch. I should be available for my customers, the customer should feel comfortable to come and talk to me”

A presentation by SIES

A presentation by SIES

ProductsInnovative products offering competitive advantage

A presentation by SIES

YES Community

Monthly review.

Inviting the newly joined executives.

Celebrating Birthdays of Team Members.

YES Bank & Customer get together.

YES Community develops strong customer relationship

A presentation by SIES

Mobile POS - mPOS

Opens up a new channel of service

for the retailers

Speed on-demand resulting in

customer service

Opens up a huge market for low end

retailers like newspaper vendors Milk

vendors, exhibition vendors etc

A unique mobility solution

mPOS gave YES Bank a huge competitive advantage

A presentation by SIES

Money Monitor

Aggregates all financial information and

across multiple Banks .

Consolidates all your financial accounts like

multiple bank accounts, insurance policies,

credit cards, personal loans, mortgages,

Demat, brokerage and trading accounts, etc.

Money Monitor manages customers complete investment portfolio held across

multiple banks and other financial institutions.

A one stop money tracking solution

A presentation by SIES

Car Loans

Funding available up to 90% on select

models

Attractive interest rates

Loans available from Rs. 1 Lakh to Rs. 5

Crore

Loan Tenor from 1 to 5 years

Multiple repayment options available

A Uniquely tailored, hassel-free Car Loan

YES Bank Car Loan Caters to the young population of India

A presentation by SIES

Multi Currency Travel Card

Carry Multiple currencies in one card

Available in 5 currencies- USD, EURO, GBP, SGD and

AUD

Reload your card at all YES BANK Branches.

The CHIP embedded card provides enhanced

security.

24/7 customer service.

Instant SMS alerts.

Multiple Destinations. One Smart Travel Card

YES Bank Multi Currency Travel Card is a fully secure, convenient and hassel-free way to carry multiple currency in one card

A presentation by SIES

Savings Account

7% Interest Per Annum on Savings

Account.

Attractive interest rates for NRE/NRO

Access your account anytime anywhere

Portfolio Investment Services (PIS)

Maintain combined balances across NRO

and NRE Savings account.

Highest interest rates in todays market

Most visible competitive offering

A presentation by SIES

Competitive Mapping

YES Bank shines against competition

A presentation by SIES

Competition Mapping

DETAILS YES BANK BANK A BANK B BANK C BANK D

Savings account

interest rate

6%- Up to 1 lac

7%- Above 1 lac

4% Paid quarterly 4% (Paid Half

Yearly)

4% (Paid Half

Yearly)

5.5%-Up to 1L

6%- Up to 1L

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

RTGS FREE 1L-2L: 25/txn

2L-5L: 25/txn

Abv 5L: 50/txn

Abv 2L-5L: 5/txn

Abv 5L: 50/txn

Abv 2L-5L: 5/txn

Abv 5L: 50/txn

Abv 2L-5L: 5/txn

Abv 5L: 50/txn

NEFT FREE Upto 1L: 5/txn

1L-2L: 15/txn

Abv 2L: 25/txn

Upto 1L: 5/txn

1L-2L: 15/txn

Abv 2L: 25/txn

Upto 1L: 5/txn

1L-2L: 15/txn

Abv 2L: 25/txn

Upto 1L: 5/txn

1L-2L: 15/txn

Abv 2L: 25/txn

TOOLS Money Monitor Net Secure

Protection

50% Off on Locker

rental

- -

A presentation by SIES

Competition benchmarking

Parameter YES BANK Bank A Bank B Bank C Bank D

Transaction limits on ATM card

ATM & POS limits up to Rs. 2,00,000 per day, Silver- 25,000 per dayGold -75,000 per day

ATM Limit is Rs. 1 Lakh per & POS limits up to Rs. 2 Lakh per day

ATM limit is Rs. 1 lakh and POS limit is Rs. 1.25 Lakh per day

ATM up to Rs. 1,00,000 & POS up to 1,50,000 per day

ATM & POS limits up to Rs. 1,75,000 per day

Personal Accidental death cover

5 Lakhs For exclusive account

5-15 Lakhs 5 Lakhs 5 Lakhs Up to 2 Lakhs

Petrol Surcharge waiver

Up to 2.5% Across all Petrol Pumps

At Selected Petrol Pumps in India

At Selected Petrol Pumps in India

NIL Fuel Surcharge

At Selected Petrol Pumps in India

A presentation by SIES

Management InsightsUp Close and Personal With Mr. Aspy Engineer, President

A presentation by SIES

Q & A Session

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

affect the working of your business? “New Banks Usually take 5-6 years to setup completely with a good customer base..

Besides, YES Bank has a lot of innovative products based on high technology and hence,

we have nothing to worry about..”

How Strict are the RBI guidelines for maintaining SLR & CRR?

“ They enforce it strictly. We have to present our day to day records to the RBI, and if the

ratios does not match we use money market instruments to maintain the ratios..”

How has IT changed the working of your company?

“To be successful, IT has to be used as a business enabler and a service delivery tool to

create a competitive advantage. YES Bank has achieved all this with its State-Of-Art

technology and today YES Bank is known to be the most technology oriented bank of the

Country..”

A presentation by SIES

ConclusionA Bank to be reckoned with..

A presentation by SIES

Acknowledgements

We thank Mr. Aspy Engineer and Mr. Cryil Mahapatra of YES

Bank for giving us their valuable time and sharing their Insights

into the working of the bank that has helped our team to

develop this presentation.

Through them, we have gained tremendous knowledge of

technology and how it is used to create innovative and

competitive products in the Banking Sector.

Mr. Aspy EngineerPresident

Mr. Cyril MahapatraSr. Vice President