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YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
YES BANK ANALYSIS
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YES BANK ANALYSIS

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  • 1. TEAM :- SAMEER, SHEEL, ANUSHA, SOWJANYA, PAULOMI, SACHI .
  • 2. INTRODUCTION • YES BANK is a full service commercial bank that offers Corporate banking, investment banking, and personal banking services across India. • 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.Rana Kapoor and his top management team.
  • 3. • 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. • Vision of “Building the Best Quality bank of 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. rana kapoor (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 Rana Kapoor and sister-in-law Madhu Kapur“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 Madhu Kapur 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.
  • 11. • Export Finance- YES BANK provides finance for export activities in the form of Pre-Shipment Credit against firm order and or Letter of Credit and Post shipment credit. Credit is available for procuring raw materials, manufacturing the goods, processing and packaging the goods and shipping the goods. Finance is provided in Indian or foreign currency depending upon the need of the borrower. • Bank Guarantees- YES BANK provides Bank Guarantee on behalf of our client to various other entities such as Government, quasi Govt bodies, corporate and so on. A range of guarantees are provided such as Performance guarantee, financial guarantee, EPCG etc.
  • 12. What is a share price? A share price is the price of a single share of a number of saleable stocks of a company, derivative or other financial asset. How is it determined? When a company goes public though an initial public offering (IPO), an investment bank evaluates the company's current and projected performance and health . Once trading starts, share prices are largely determined by the forces of supply and demand.
  • 13. 3 year analysis
  • 14. 1 year analysis
  • 15. 1 month analysis
  • 16. • The bank’s “Financial & Investor Strategy” team, whatever this means, sent a mailer to all its “valued” shareholders stating, “Despite the recent correction in the stock, leading brokerage houses have maintained their positive outlook on the stock with a strong expected growth outlook in earnings and profits.” It pointed out that “leading brokerage firms” like of Morgan Stanley and Goldman Sachs attached “BUY” recommendations.
  • 17. •The Initial Public Offering of Yes Bank opened on June 15, 2005. •Total issue was worth Rs 31,500 lakhs at a price of Rs 45 per share. •An individual who makes an application as a High Net worth Individual has less chances of allotment. •But if the same individual uses the same money to make multiple applications through BENAMI accounts, the chances of allotment rise atleast five times. •Thirteen individuals opened many DEMAT accounts and made applications through BENAMI accounts to increase their chances of allotment.
  • 18. • Rupalben Panchal and Sugandh Estates and Investments Pvt. Ltd were the biggest players of this scam. • Rupalben made 6,315 applications through bogus Bank and Demat Acs and an allotment of 9,47,250 shares was made to her. • Sugandh Estates made1,315 applications through bogus Bank and Demat Acs and an allotment of 1,97,250 shares was made to it. • They then transferred these shares to financers, who sold them on the first day of listing, making windfall gains from the price difference between the IPO price and the listing price. • The scam was detected in 2012 when the SEBI started a broad investigation into IPO allotments after it detected irregularities in the buying of shares of YES Bank’s IPO in 2005.
  • 19. CONCLUSION • The sustained growth of Yes Bank is based on the key pillars of Growth, Trust, Technology, Human Capital, Transparency and Responsible Banking. • Yes Bank has a knowledge driven approach towards banking , and a superior customer experience for its retail, corporate and emerging corporate banking clients.

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