The presentation is all about yes bank and describing its in depth details from year 2008 to 2019 and also its future prospects with all the major frauds and their NPAs details, along with this a questioner is also presented when we visited yes bank ltd. also its balance sheet of year 2008 to 2019 is being discussed.

1. Principles of Banking and Operations with finacle
Case: - “Report on banking operations…!”
Presented by: -
Shubham Chugh 5001
Kumari Priyanka 5022
Supriya Gope 5021
Srishti Bansal 5030
Yes Bank India Ltd. …!
“Experience our Expertise”

2. INTRODUCTION…!
 Yes Bank, incorporated in 2004 by Rana Kapoor and Late Ashok Kapur, is a new age
private sector bank.
 Yes Bank Limited is India's fifth largest private sector bank.
 Brand Ethos: -
To be the Professionals’ Bank of India
 Vision:
Building the Finest Quality Large Bank of the World in India
 Mission:
To establish a high-quality, customer-centric, service-driven, private India
Bank catering to the ‘Future Businesses of India’

3. Top Management Team…!: -
 Mr. Ravneet Gill
Chief Executive Officer & MD
Mr. Rajan Pental
Group Head - Branch and Retail Banking
Mr. P. Kumar
Chief Operating Officer

4. It primarily operates as a corporate bank, with retail banking and also asset management as subsidiary
functions then,
YES BANK has grown into a ‘Full Service Commercial Bank’ providing a complete range of products,
services and technology driven digital offerings, catering to corporate, MSME & retail customers.
Operations:
As on 30 June 2019, Yes Bank had 1,122 branches and 1,220 ATMs in India with having customer base of
more than 35,00,000 users (2019). Head quarters is in Mumbai with share price of Rs. 48 in 2008 to Rs. 68.7 in
present i.e. 2019 but in august, 2019 it was on its highest value i.e. of Rs. 382 per share.
YES BANK Receives Approval from RBI to Open 2 International Representative Offices in London and Singapore. Mumbai, 20 April 2018: YES
BANK, India's fourth largest private sector bank has received Reserve Bank of India's (RBI) approval to open two representative offices in
London and Singapore.
• Using technology to provide superior customer service is central to YES BANK’s business philosophy.
By offering innovations such as
mobile banking,
two-factor authentication,
advanced speech-enabled interactive voice-response systems,
YES BANK delivers a differentiated service to its commercial and retail customers.
The fact that the bank catered to a niche segment of the market with a differentiated strategy meant that it did not have to
compete with other banks on price.
About the Company, “YES BANK PVT. LTD.” …!

5. CORE BANKING SOLUTIONS…!Flex cube…!

6. YES BANK CORPORATE PARTNER…!
 Yes bank analysis has formed strategic relationships with eminent Indian and global
companies
Name of company…! Roles the company Dealing…!
AGS transact technologies ATM development partners
Bill desk (Indiaideas.com) Online bill payment technology
Bajaj Allianz General Insurance
Bharti Airtel Telecom connectivity
Fund tech Cash management and financial supply chain
IBM Technology hardware
Intel technologies Wireless Wi-Fi(branch banking )
 These partnership not only widen business platforms but also lay the foundation
for a sustainable future.

7. Master card International International debit card and prepaid cards
Max life insurance co. ltd. Life Insurance
Microsoft Enterprise agreement for servers, desktop and other products
NABARD Strategic advisory for food And agribusiness products
Oracle financial services Core banking and internet banking solutions
Reliance info COMM Telecom connectivity, WAN backbone and data hosting centre
SIDBI Financial solutions for SMEs
TCS Hosted cheque transaction solutions
Span Across Online tax returns filing solutions.
NCMSL Collateral management &warehousing services
Visa International debit cards
Wipro Total technology outsourcing
YSE Prepaid cards
YES BANK CORPORATE PARTNER…!

8. Products and services offered…!
 DEPOSIT ACCOUNT: -
1. Savings account
2. Current account
3. Yes first savings account
 Loans Account: -
1. Home loan
2. Two wheeler loan
3. Personal loan
4. Loan against property
5. Gold loan
6. Business loan
7. Loan against securities
 Investments: -
1. Fixed Deposit
2. Recurring Deposits
 Cards: -
1. Debit Card
2. Credit card
3. Yes first corporate credit card
4. Yes property purchase credit card
 Banking services: -
1. Balance enquiry
2. Mobile Banking
3. Net Banking
4. Customer care
5. Digital Banking
6. Debt capital market
7. Transaction banking solutions
 Securities: -
1. Yes bank investment banking
solutions
2. Yes securities

9. TYPES OF SAVINGS ACCOUNT AT
YES BANK…!

10. APPS Introduced By YES BANK…!
 YES ROBOT
By clicking on Yes robot
icon
 YES PAY
 YES PAY is a Digital Wallet enabling Social Media & smart phone users to
register seamlessly and then spend wisely. It provides a host of facilities like
Mobile/DTH recharge, pay bills, purchase of gift vouchers and avail discount
coupons.
 YES Mobile
 YES Mobile Banking App with
over 85 Services anytime, anywhere!
These are the banking
services

11. Development steps taken by Yes Bank…!
 Learning and development: -
In today’s dynamic Knowledge Economy, it is imperative for organizations to build a high and quality
robust Human Capital talent pool that provides a sustained Competitive Advantage.
YES BANK emphasizes on a Knowledge driven approach with the objective of focusing on capability
development and becoming aspired as a ‘Preferred Employer of Choice’ for the brightest and best
quality Human Capital.
Key Learning & Development, Talent Management and Leadership capability building solutions are
designed, developed and delivered under the aegis of YES SCHOOL OF BANKING (YSB)
 Corporate social responsibility: -
• Our Focus areas: -
1. Livelihood security and enhancement of Education Skills/ Employability training
2. Health care and Social welfare
3. Environment Sustainability
4. Arts/Sports and culture

12. Anti Money Laundering: -
RBI slaps Rs 1 cr fine in March 2019 on Yes Bank for non-compliance in Swift operations
RBI has levied an aggregate penalty of Rs 10 million on the bank for non-compliance of regulatory
directions.
LIST OF OFFICIALLY VALID KYC DOCUMENTS: -
 ACCEPTABLE KYC DOCUMENTS
1. Voter Id card
2. Passport
3. Driving licence
4. NAREGA Job card
5. Letter issued by National Population Register containing details of name, address
6. UID (Aadhaar), provided authenticated using e-KYC mode (Biometric or OTP based )
7. *Requirement of AADHAAR number or Copy of acknowledgement for application for
enrolment for Aadhaar will not apply to Non-Resident Indians (NRI’s).
 Mandatory Documents
1. Permanent Account Number (PAN) or Form 60 (as applicable ) is mandatory
2. AADHAAR* is a mandatory requirement for opening an account of an Individual who
is Resident in India (except for Residents domiciled in the State of Jammu &
Kashmir, Assam and Meghalaya).
3. *Permanent Account Number (PAN) or Form 60 (as applicable ) is mandatory for non-
resident individuals.

13. Balance sheet of Yes bank Ltd. …!
Book Value (Rs)
100
110
120
Book Value (Rs)
2019 2018
Balance sheet (consolidated)
Mar-19 (amount in crores) Mar-08 (amount in crores)
Total Share Capital 463.01 295.79
Equity Share Capital 463.01 295.79
Share Application Money 0 0
Preference Share Capital 0 0
Reserves 26,424.40 1,023.13
Revaluation Reserves 0 0
Networth 26,887.41 1,318.92
Deposits 2,27,557.90 13,273.16
Borrowings 1,08,424.11 986.21
Total Debt 3,35,982.01 14,259.37
Other Liabilities and Provisions 17,990.19 1,404.13
Total Liabilities 3,80,859.61 16,982.42
Cash and Balances with RBI 10,797.74 959.24
Balance with Banks, Money at
Call
16,187.19 668.33
Advances 2,41,397.19 9,430.27
Investments 89,328.53 5,093.71
Gross Block 778.45 133.01
Accumulated Depreciation 0 35.73
Net Block 778.45 97.28
Capital Work in Progress 51.44 3.89
Other Assets 22,319.07 729.7
Total Assets 3,80,859.61 16,982.42
Contingent Liabilities 6,59,220.98 65,990.12
Bills for collection 0 2,884.42
0 100000 200000 300000 400000 500000 600000 700000
Total Share Capital
Share Application Money
Reserves
Networth
Borrowings
Other Liabilities and Provisions
Cash and Balances with RBI
Advances
Gross Block
Net Block
Other Assets
Contingent Liabilities
Chart Title
Mar-08 Mar-19
0 100000 200000 300000 400000 500000 600000 700000
Total Share Capital
Share Application Money
Reserves
Networth
Borrowings
Other Liabilities and Provisions
Cash and Balances with RBI
Advances
Gross Block
Net Block
Other Assets
Contingent Liabilities
Mar-08 Mar-19

14. Additional information of YES
BANK PVT. LTD.
1. Comparing No. of Branches…!
2. Comparing Asset quality…!
3. And contingent liability
comparison…!

15. MajorFraudasdiscussedbyYes
BankPvt.Ltd.…!
TableshowingthatYesbankis
havinglowestnumberofNPAsi.e.
ofupto1.28%ofNPAsinyear
2018…!
Showing data of financial year 2018…!
Thus above table showing that YES BANK PVT. LTD. Is
having 2nd lowest NPAs ratio after Induslnd Bank Ltd.
Just showing very less NPAs but this is still having ratio
of NPAs ratio above 1%.

16. NSE/BSE graph showing the value of YES BANK PVT. LTD. Share
price from date of incorporation to present time…!
 Initially YES BANK was growing from date of incorporation, but after the latest news
flashed on fraud arises by CG technologies group, in which yes bank was having majority
of shares.
This leads to a 20 percent of downfall in yes bank share prices and it is still reducing.
Technical Analysis of Share price if YES BanK…!

17. Fraud happened in YES BANK PVT. LTD. …!
 Share price of YES BANK LTD. Is going down because, its not only all the
time NPAs are responsible for Falling of any bank, it is seen that,
promoters also play a major role in banks growth. when Rana Kapoor
resigned on 3rd Oct 2019 the share prices of Yes bank Pvt. Ltd. Reduces
drastically indicating that promoters also plays a very important in bank’s
growth.
 Another problem with Yes Bank Ltd. Was of under stating of losses or
over stating of profits of bank. Yes bank always understates its losses just
to show a positive and a growing image to general public and promoters and
also stake holders.
 Private lender Yes Bank fell nearly seven per cent during trade due to
corporate fraud at CG Power and Industrial Solutions. Yes Bank has a
significant stake in CG Power and Industrial Solutions. Yes Bank shares
traded 6.91% lower at ₹71.40 a share, thus suffers collateral damage.
(reported in August 2019) involving amount of fraud of about Rs. 4,000
crores.
1) Unauthorised transactions
2) Loans without authorisation

18. Fraud happened in YES BANK PVT. LTD. …! (CASE)
 There was another big fraud seen in Yes bank in September, 2017 it is stating that Sumer
radius, promotors failed to repay loan of amount Rs. 479 crores on a residential project in
avenue, 54 in Santacruz
 As project was jointly taken by Builder sanjay Chhabria of radious developer and Ramesh
shah of sumer group.
 Promoter group also said that they will arrange unpaid amount by rasing capital from foreign
investors as well, but there is nothing seen yet for repayment of principal and interest amount.
 Property was being sold at an average hefty value of 55,000 sq. ft.
For this yes bank has issued a possession notice, “stating yes bank has taken possession of
the property until borrower to repay interest and principal amount of loan, and also warned
public not to buy/deal with this property.
 The mala fide intention of developer was to deny the rights and to fulfil its obligations, is
evident by fact that, plan approved for avenue, 54 is not showing any single flat measuring up
to 600 sq. ft., and for this, case is filed in High Court in august, 2018. and case is still
going.

19. LATEST NEWS…!
 NPA rise
Gross non-performing assets (NPAs) saw a huge surge, jumping over four-fold to Rs
17,134 crore as against Rs 3,866 crore in the corresponding period of the previous
year. NPA percentage soared from 0.84 per cent in Q2 FY19 to 4.35 per cent in
Q2FY20.
 Private lender YES Bank reported a loss of Rs 600.08 crore in year 2019, august. Their
was adjustment of Rs 709 crore on account of change in corporate tax rate regime.
Excluding this one-time hit, adjusted profit was Rs. 109 crore.
The lender had posted Rs 964.70 crore profit in the corresponding quarter last year.
This was the second biggest loss for the bank since its listing which was of Rs. 1,506.60
crore loss in March quarter in 2019.
 Yes Bank Pvt. Ltd. Has reported Rs. 600 crores in Quarter 2 on tax hit, denoting
asset quality to get worsens in future as well…!
 It has also seen that, YES BANK PVT. LTD. Was having a profit of Rs. 964.70
crores in corresponding quarter previous year…!

20. Questioner based reviews…!
From the above graph, it is showing that these all are the additional facilities being provided
by banks to its customers.
From the above graph, it is showing that in 2008-2009 there were very few facilities provided
by banks to its customers.
From the above graph, it is showing that yes bank was on 4th position in financial year
2008-2009
From the above chart, it is showing that by sept, 2017 yes bank started issuing multi
currency travel card to its customers.
From the above graph, it is showing that yes bank is having very less branches as
compared to others, just because they want to capture selected group only.
From the above graph, it is showing about yes first savings account.

21. We think, the bank had some challenges with the divergence subject in the past. As
far as we believe, the bank has also done a lot to be able to correct that, but
unfortunately the past is something which we are not able to simply correct. We still
believe that what we did was in the bank’s best judgement. However, we always must
regard the regulatory judgment on top management of yes bank.
Conclusion…!
There is one of the best management teams in the country in banking in India that
you can find at Yes Bank. I know these people personally. They have extensive
experience in their respective areas of field, whether it is retail banking, corporate
banking, underwriting, markets and technology.
Thus in short if nothing is done on an immediate effect, then this bank will looses
its share in the banking sector of the country.