PRESENTED BY:

NAMITA AGARWAL
SUMIT AGARWALA
NEHA JAIN
SARANATHAN R
SUMIT SAURABH
INTRODUCTION
YES Bank India is a new age private sector bank in
India and entered the Indian market in late 2004 when the
Indian Banking sector was already crowded with a number of
.. public banks

Founded by ana !apoor with a goal to set up a high

, , "uality customer centric service driven private sector
Indian bank that would cater to the " Future Industries of
". India
It is also the only bank that has been awarded #reenfield
license . by the eserve Bank of India in the past $4 years
, YES Bank %imited follows international best practices
premier standards of service "uality and operational
e&cellence and use highest technologies to provide
. comprehensive banking and financial solutions

Its knowledge driven approach is one of its key

. strengths
PRODUCTS & SERVICES
'he products and services fall under the
: following three broad categories
( ) Infrastructure Banking (nit IB(
& Structured )ro*ect Finance (nit
( & ) S) F
( ) Financial estructuring (nit F(
Infrastructure Banking
Unit (IBU)
'his (nit provides a full range of advisory and
credit linked products to clients with a
. special focus on the infrastructure sector

It meets the financing needs of clients

, , , & operating in the )ower 'elecom +ining ,il
, . #as 'ransportation and -ind Energy segments
It assist the clients to obtain funding for
pro*ects and also offer - - end to end advisory
services from the planning stage to financial
. closure
Structured & Project
Finance Unit (SP&F)

& 'he S) F unit offers structured and pro*ect

- finance e&pertise to non infrastructure
. : clients 'he areas of speciali.ation include
Securiti.ation
Structured %iability
)roducts
/ebt Syndication
%everage Finance
& 0sset 'a& based
structures

Financial Restructuring
Unit (FRU)
This Unit provides specialized advisory services on
financial restructuring, with expertise in the area of stressed
assets.
It offers the clients expert advice and creative product
solutions to overcome balance sheet and financing
constraints.

The team also assists financially distressed companies in

the creation and implementation of comprehensive financial
restructuring packages.

PERFORMA!E OF "ES
BA#$ %&&'(%&)&
'he YES B01! key milestones
Inspite of late entry the bank is growing at such a
fast rate that it has drawn the attention of analysts
. all over the country

'he strategic goal of YES bank has been to build Yes

Bank into a ,ne Bank for their customers.

'he ,ne Bank business model is directed towards

ma&imi.ing revenue generation from customers by offering
our full range of products and services to address all
. their banking needs
. 'he bank went public in 2une 2003 I), was
. oversubscribed 40 times

, Since its listing the stock has appreciated by 44

per cent.

'he valuation is still attractive considering the

growth prospects for a small bank with access to
. resources such as itself
INTRODUCTION
0ssets 2005
2006
2007 2008 20$0
Cash & Balances with RBI 88.17 389.76 959.24 1,277.72 1,995.31
Balance with Banks, Money at
Call
127.41 93.8 668.33 644.99 677.94
!"#ances 2,47.9 6,289.73 9,43.27 12,43.9 22,193.12
In#est$ents 1,35.14 3,73.12 5,93.71 7,117.2 1,29.94
%&oss Block 36.24 86.66 133.1 194.88 26.4
!cc'$'late" (e)&eciation 6.81 17.38 35.73 64.15 92.32
*et Block 29.43 69.28 97.28 13.73 114.8
Ca)ital +o&k In ,&o-&ess 5.29 1.59 3.89 .39 1.38
.the& !ssets 155.1 376.88 729.7 1,326.86 1,19.73
/otal !ssets 4,162.54 11,13.44 16,982.42 22,9.8 36,382.5
Contin-ent 0ia1ilities 17,35.64 51,724.67 65,99.12 43,953.92 11,835.5

Bills 2o& collection 218.57 336.91 2,884.42 3,849.8 4,15.86

Book 3al'e 4Rs5 21.21 28.11 44.59 54.69 9.96
Ma& 66 Ma& 67 Ma& 68 Ma& 69 Ma& 61

12 $ths 12 $ths 12 $ths 12 $ths 12 $ths

*et ,&o2it 2o& the 7ea& 55.32 94.37 2.2 33.84 477.74
89t&ao&"iona&y Ite$s . . . . .
,&o2it 1&o'-ht 2o&wa&" :3.76 37.73 15.3 245.8 45.78
/otal 51.56 132.1 35.32 548.92 883.52
,&e2e&ence (i#i"en" . . . . .
8;'ity (i#i"en" . . . . 5.95
Co&)o&ate (i#i"en" /a9 . . . . 8.66
8a&nin- ,e& <ha&e 4Rs5 2.5 3.37 6.76 1.23 14.6
8;'ity (i#i"en" 4=5 . . . . 15.
Book 3al'e 4Rs5 21.21 28.11 44.59 54.69 9.96
/&ans2e& to <tat'to&y Rese&#es 13.83 26.8 6.24 143.15 15.95
/&ans2e& to .the& Rese&#es . . . . .
,&o)ose" (i#i"en">/&ans2e& to
%o#t
. . . . 59.61
, . % In 94FY07 Yes Bank s 1II has grown by $44 4
, . yoyto s$074mn ahead of e&pectations

'he strong performance has been driven by

. improved margins 1I+ s of the bank increased by
68bps yoy and 8bps se"uentially

Yes Bank for the "uarter ended +ar 08 reported

% . 43 growth in 1et interest income at s $33 22
% . crore and 24 growth in 1et profit at s 70 $$
. crore

Yes Bank reported a strong 1et )rofit growth of

% , 63 yoy for 49FY20$0 in line with the
. e&pectations
, !ey :ighlights for Full Year ended +ar 4$ 20$0
( ) FY$0

. % . . ( . . ) 1et )rofit up 36 2 to s 466 6 cr s 404 7 cr in FY08
. % . . ( . . 1et Interest Income up 34 6 to s 677 0 cr s 308 4
) cr in FY08
. % . . ( . . 1on Interest income up 4$ 6 to s 363 3 cr s 445 8
) <r in FY08
. % . . ( . . ,perating )rofit up 54 5 to s 754 4 cr s 326 5 cr in
) FY08
- . % ( . % ) eturn on 0verage 0ssets o0 of $ 5$ $ 32 in FY08
- . % ( . % ) eturn on E"uity oE of 24 6 20 5 in FY08
. . . . Basic E)S of s $3 53 and /iluted E)S of s $4 76

YES B01! has embarked on its *ourney into

, the ne&t phase of growth and launched the
Bank=s . - - . >ESI,1 2 0 the 'ake off
,B2E<'I>E: 'o achieve a balance sheet
, , si.e of I1 $30 000 crores a pan
India branch network of 630 with a
, . human capital base $2 000 by 20$3
MAA*EME+ +EAM
Founder

Mr! R"n" #"$oor %MD "nd CEO o& Ye

B"n'(
R"n'ed " )*
rd
Mo+ V",u"-,e Ind."n CEO/
o& +0e 1e"r .n No2e3-er 4556 -1
Bu.ne Wor,d M"7"8.ne
Re9e.2ed )D.+.n7u.0ed En+re$reneur0.$
A:"rd/ "+ PHD C0"3-er A:"rd For
E;9e,,en9e 455<
)S+"r+ u$ En+re$reneur o& +0e 1e"r 455=/
"+ E&Y En+re$reneur o& +0e 1e"r ":"rd

L"+e Mr! A0o' #"$ur% Non e;e9u+.2e

90".r3"n 455>?5@(
W" "n "o9."+e o& In+.+u+e o& B"n'erA
U#
F.r+ A."n +o -e "$$o.n+edCoun+r1
M"n"7er o& ABN A3ro B"n'A Ind."
Be&ore -e.n7 $"r+ o& Ye B"n'A :"
+0eM"n"7.n7 D.re9+or o& R"-o Ind."

Bo"rd O& D.re9+orC

M&. Rana ?a)oo& Managing irector ! "#$ %#& '()* +td.
Chairman - Nominations & Governance
Committee
M& <i)ko <chat )on Independent irector Member #xecutive 'oard, ,ice
"hairman -abobank International
M&. +o'te& ?ol22 Independent irector .ormer ,ice "hairman / Managing
'oard, -abobank International,
0olland
M&. Bha&at ,atel Independent irector )on #xecutive "hairman, 1rocter !
2amble, India Chairman - Investor Relations committee
Chairman - Service Excellence Committee
M&. <.0 ?a)'& Independent irector .ormer &ecretary, 2overnment of
India, epartment of &mall &cale
Industries ! (gro and -ural
Industries
Chairman - Audit & Compliance Committee
Chairman - Board Remuneration Committee
M&. !&'n ? Ma-o Independent irector .ormer "hief &ecretary, 2overnment
of Maharashtra
Ms Ra"ha <in-h Independent irector .ormer Union (griculture &ecretary,
2overnment of India
M& !@ay 3oh&a Independent irector Managing 1artner of the "orporate,
Tax and 'usiness (dvisory +aw
firm, ,aish (ssociates
PERFORMA!E I
S,ARE MAR#E+
Vo,"+",.+1 .n Pr.9e D Le 2o,"+.,e +0"n
3"r'e+

Gro:+0 .n S0"re Pr.9e D E55F 7ro:+0

V " 3"r'e+ 7ro:+0 o& 45F .n +0e
,"+ 1e"r

Fu+ure Per&or3"n9e o& +0e S+o9' D

Bu,,.0 .n9e .+ . ,oo'.n7 +o e;$"nd
-e1ond .+ 3".n,1 :0o,e",e &o9u
+o " +ron7er re+"., $reen9e

!OMPE+I+IO
+ast 1rice
3In -s4
Market "ap.
3-s. cr.4
)et Interest
Income3-s. cr.4
)et 1rofit
3-s. cr.4
Total (ssets
3-s. cr.4
I"I"I 'ank 567.89 :9;,<56.=< 6<,89=.5; >,96>.57 ;=;,;55.8:
0." 'ank 6,:99.=9 5=,<=6.=; :=,:86.5: 6,5>7.=5 :7;,689.87
(xis 'ank :,;=<.=9 <<,8:9.:5 ::,=;7.96 6,<:>.<; :79,=>8.78
*otak Mahindra 8=>.59 6=,==;.55 ;,6<<.=6 <=:.:: ;8,>;=.;:
%es 'ank 656.99354 5,5<8.853<4 6,;=5.8:384 >88.8>3=4 ;=,;76.<93<4
IndusInd 'ank 696.89 7,;:5.56 6,89=.55 ;<9.;: ;<,;=5.<6
.ederal 'ank ;<:.59 =,9:<.<; ;,=8;.6; >=>.<< ;7,7<9.77
I)2 ,ysya 'ank ;>5.79 >,:55.6< 6,6;6.59 6>6.66 ;;,779.6>
?* 'ank 88<.6< ;,8<7.6> ;,9<=.77 <:6.;7 ;8,=5;.6=
*arur ,ysya <58.<< ;,6<6.79 :,8<8.5> ;;=.9; 6:,55;.>5

T0"n' You