Introduction To YES Bank, Their Products and the benchmarking of YES Bank vs Other Banks

1. A presentation by SIES
Technology Innovations for Business Growth
By
Ashutosh Athavale
Shashank Udupa
Parita Thakkar

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

3. 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.”

4. 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.

5. 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”

6. A presentation by SIES

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

8. 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

9. 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

10. 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

11. 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

12. 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

13. 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

14. A presentation by SIES
Competitive Mapping
YES Bank shines against competition

15. 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
- -

16. 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
day
Gold -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

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

18. 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..”

19. A presentation by SIES
Conclusion
A Bank to be reckoned with..

20. 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 Engineer
President
Mr. Cyril Mahapatra
Sr. Vice President