Namita Vikas,
President & Chief Sustainability Officer
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YES BANK: The journey so far…
Empowering Business through Professional Entrepreneurship
 YES BANK - Outcome of Professional
Entrepreneurship of Dr. Rana Kapoor the Founder, Managing Director & CEO and highly competent top management team
 Only ‘ Greenfield ’ private sector bank
 Emerged as a Full Service Commercial
Bank 4 th Largest Private Sector bank
 Highest Standards of Governance &
Management Framework
Branding Focus on Service Excellence, Positivity & Growth
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YES BANK: The journey so far…
Empowering Business through Professional Entrepreneurship
Vision
To be recognized as the Best Quality
Bank of the world in India by 2015
•
To provide a Consistent Superior
Banking customers
Experience to all its
•
To be a long term partner with all stakeholders particularly customers by creating & sharing value
•
To be a solid and trusted financial trust mark led by an exceptional top/senior management team
•
To build the “Professional’s Bank of
India”
Branding Focus on Service Excellence, Positivity & Growth
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Version 2.0
March 2013- On the road to Version 2.0 - 2015
12,750 employees
“The Professionals’ Bank of India”
7,024 employees *
900 Branches
430 Branches *
2,000 ATMs
951 ATMs *
Advances–$ 16.69 billion*
$7.84 billion *
Balance Sheet–$25.03 billion*
$16.69 billion *
Target RoE
Target RoA
: 22- 24%
: 1.5 – 1.75%
Deposit base–$20.86 billion*
$11.18 billion*
24.8 % *
1.5 % *
*-Stock take 31 st March 2013
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YES BANK: The journey so far…
Empowering Business through Professional Entrepreneurship
A Differentiated Approach
Vision
 Professional Entrepreneurship
To be recognized as the
Bank of the world in India by 2015

•
•
To provide a
Banking customers
Focus on sunrise sectors of the Indian
To be a
Experience
Best Quality
Consistent Superior to all its long term partner with all
 stakeholders particularly customers by creating & sharing value


•
•
To be a mark
Mainstream sustainability within business
India” solid and trusted financial trust led by an exceptional top/senior management team
To build the “Professional’s Bank of
Branding Focus on Service Excellence, Positivity & Growth
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Responsible Banking
Vision
“YES BANK - Be the Benchmark Financial Institution for
Sustainability”
Mission
Link Sustainable Development with stakeholder value creation through innovative business solutions and services
&
Weave sustainability principles into YES BANK’s core business strategy and processes
Deliverables
Deliver Positive socio-environmental Impact—internal and external
Enhance YBL visibility and influence in sustainability space
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YES BANK Stakeholders
MULTILATERAL
ORGANIZATIONS
• Board Member of the UNEP-FI Banking
Commission steering Committee
• Jointly Developed a Sustainable Finance model with UNEP – FI
INDUSTRY BODIES
Leading Board member:
• ASSOCHAM
• FICCI
• CII-ITC
• TERI
SUPPLIERS
• Vendor agreement includes a 300 page document that contains YBL stipulated clauses on human rights & ethical business practices
INVESTORS
• The Annual Report, the Environmental &
Social Policy, Business Updates as well as the Shareholding Pattern as of March 31,
2013 have been uploaded on the YES
BANK website (www.yesbank.in)
EMPLOYEES
• Sustainability Training – Instituting internal practices, external initiatives, new business lines and training/capacity building
• The Responsible Times – Connect with employees on sustainable themes a monthly newsletter is circulated called
‘The Responsible Times’
• Sustainability Series – A knowledge exchange platform that generates dialogue between employees, sustainability practitioners & social entrepreneurs
ACADEMIA
• Authored numerous publications in partnership with premier academic institutions
• Knowledge reports have been authored by various business units
REGULATORS
• Compliant to all RBI &
SEBI regulations, directives
& notifications
• Occasionally collaborates with regulatory authorities to host financial literacy workshops for clients
CUSTOMERS &
COMMUNITY
• YES COMMUNITY, is the Bank’s community engagement initiative wherein all branches serve as ‘choupal’ or knowledge exchange platform for clients to discuss local social & environmental issues
BUSINESS PARTNERS
• Business partners are screened against
Bank’s Environment & Social Policy (ESP) which lays down guidelines for business partner selection
CIVIL SOCIETY
• Engages with Civil Society to develop well informed content for internal & external sustainability engagement programs (Volunteering & YES
COMMUNITY)
• Social Deposit Account, a retail banking product, is an example of partnering with civil society, to develop innovative
Banking products
GOVERNMENT
• YES BANK has dedicated teams like
Strategic Initiatives & Government
Advisory (SIGA) , Government
Relationship Management (GRM) &
Responsible Banking that specifically manage relations with government bodies through policy advocacy
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Approach
Impacting Environment & society through Innovative solutions
Proactive investments for Environmental & social Outcomes
Mainstreaming Sustainability amongst stakeholders
Adopting Sustainable Best Practices
Reporting on Sustainable Performance
Leveraging Human capital
YES FOUNDATION
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Impacting Environment & society through Innovative solutions
YES MONEY
•Remittance service for unbanked & underbanked population of India
YES SAHAJ
•Cost effective & scalable Mobile transaction solution—Micro-ATM model
YES LEAP
•Credit, saving & insurance facilities to SHGs through NGOs acting as Business
Correspondents of Bank
Microfinance Institutions & Affordable
Housing Group (MIAG)
• Making credit available to BOP
Inclusive & Social Banking
I
M
P
A
C
T
• Approximately 9 million manhours of productive wage earning time saved
• $136.29 million worth transactions in FY2012-13
• Brought financial services to rural households
• $3.56 million worth transactions in FY2012-13
• Extended Financial Inclusion to over 72000 households
• $1.67 million in savings linked
SHGs & $26.03 million in credit linked SHGs
• Impacted 3 million low income borrowers
• In FY2012-13, MIAG extended funding to 2 developers & 5
HFCs
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Impacting Environment & society through Innovative solutions
BC
BC
2.13 Million Users
BC
BC
BC
BC
BC
BC
SBI
ICICI
AXIS
HDFC
CBI
BOB
385000 unique Txns
BOI
$136.29 million Remitted
PNB
16,468 Bank Branches
Canara
IDBI
UCO
CITI
SCB
Corporation
Vijaya
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Impacting Environment & society through Innovative solutions
YES MONEY
•Remittance service for unbanked & underbanked population of India
YES SAHAJ
•Cost effective & scalable Mobile transaction solution—Micro-ATM model
YES LEAP
•Credit, saving & insurance facilities to SHGs through NGOs acting as Business
Correspondents of Bank
Microfinance Institutions & Affordable
Housing Group (MIAG)
• Making credit available to BOP
Inclusive & Social Banking
I
M
P
A
C
T
• Approximately 9 million manhours of productive wage earning time saved
• $136.29 million worth transactions in FY2012-13
• Brought financial services to rural households
• $3.56 million worth transactions in FY2012-13
• Extended Financial Inclusion to over 72000 households
• $1.67 million in savings linked
SHGs & $26.03 million in credit linked SHGs
• Impacted 3 million low income borrowers
• In FY2012-13, MIAG extended funding to 2 developers & 5
HFCs
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Proactive investments for Environmental
& Social Outcomes
• Sustainable Investment Banking (SIB)
– Mainstreaming clean technology, water & waste management investments
– Alternate Energy & Environment Advisory
– Social Enterprises & Rural Advisory
– Knowledge Banking
• IFC PE Fund for Development of North-East India
– Improve economic & social conditions of under-developed
North-East Indian States
– Focus Sectors: Tourism & Hospitality, Food &
Agribusiness, Infrastructure, Healthcare, Education &
Livelihood Creation and Affordable Housing
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Mainstreaming Sustainability amongst stakeholders
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Mainstreaming Sustainability amongst stakeholders
Evangelizing & Influencing
• Environmental, Social &
Governance (ESG)
– Founder member of Responsible
Investment Research
Association(RIRA) to propagate ESG research in Indian context
• Triple Bottom Line Reporting
• Natural Capital Initiative
YES BANK’s Associations
Associated Chambers of Commerce (ASSOCHAM)
The Banking Codes and Standards Board of India (BCSBI)
Carbon Disclosure Project (CDP)
Clinton Global Initiative (CGI)
Confederation of Indian Industry (CII)
Federation of Indian Chambers of Commerce and Industry
(FICCI)
Indian Banks’ Association (IBA)
Indian Center for Corporate Social Responsibility (ICCSR)
Indian Institute of Corporate Affairs (IICA)
PHD Chamber of Commerce and Industry (PHDCCI)
Responsible Investment Research Association (RIRA)
The Energy Research Institute – Business Council for
Sustainable Development (TERI BCSD)
United Nations Environment Program – Finance Initiative
(UNEP-FI)
United Nations Global Compact (UNGC)
US India Business Council (USIBC)
World Economic Forum (WEF)
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Adopting Sustainable Best Practices
Within
• Environmental & Social Policy
• Environmental Management System
• Infrastructure Management
• Employee Grievance Redressal – My Voice
• Technology Initiatives
• War on waste –Reduce, Reuse, Recycle
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Reporting on Sustainable Performance
• United Nations Global Compact (UNGC)
– First Signatory in India to the UNGC
– Moved from Learner’s platform to GC Active level
• Carbon Disclosure Project (CDP)
– One of the first signatories to CDP from India
– Maintained its “Band A” position & stood a joint 5 th among 57 Indian organizations in 2012
• Global Reporting Initiative (GRI)
• United Nations Environment Programme
Finance Initiative (UNEP FI)
– Banking Commission Board member
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Reporting on Sustainable Performance
• Step towards being Carbon
Neutral
– Material gifting to environment friendly platform
– To support UNEP’s billion tree campaign & WWF’s Cities for
Forests campaigns planted over
8000 trees & gifted over 2,500 ecertificates on behalf of stakeholders
– An approximate offset of 154.48 tons of carbon
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Leveraging Human Capital
• Employee Engagement
– YES i CARE
– YES CONNECT
– Joy of Giving
• Social Deposit Account
• Employee Payroll Giving
• YES School of Banking
• Project Udaan
– Access to employability in affected states of India
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YES FOUNDATION
Build “an Empowered and Equitable India”
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YES FOUNDATION
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YES FOUNDATION
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In conclusion
Best Practices in Embedding Sustainability in
Financial Institutions
Impacting Environment & society through Innovative solutions
Proactive investments for Environmental & social Outcomes
Mainstreaming Sustainability amongst stakeholders
Adopting Sustainable Best Practices
Reporting on Sustainable Performance
Leveraging Human capital
YES FOUNDATION
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