Preferred Host Country Bank Service Excellence World Class Banking solutions India Business Facilitation Desk Knowledge Banking Strong National Footprint Indian Market Expertise Preferred Host Country Bank India Business Facilitation Desk World Class Banking solutions Service Excellence India Business Multinational Facilitation Desk Corporations World Class Banking solutions Relationship Management Service Excellence World Class Banking solutions Knowledge Banking World Class Banking solutions Preferred Host Country Bank India Business Facilitation Desk Multinational Corporations At YES BANK, we understand the financial needs of Multinational Corporations in their plans to increase their footprint in the Indian market. The Multinational Corporations (MNC) Relationship Management group has been institutionalized within YES BANK to provide Knowledge driven Banking solutions to MNCs present in India and those aspiring to enter India. Our differentiated approach through dedicated Knowledge Banking teams, Indian Market Expertise, World Class Banking solutions and Service Excellence, positions us favourably to become the “Preferred HOST COUNTRY BANK for MNCs” YES BANK proposition for MNCs Knowledge Banking § Sector Expertise § Indian Market Expertise § India Business Facilitation Desk Global Network Dedicated MNC Team § Global Network of 700+ correspondent banks § 40 member strong MNC relationship team (Pan India) Host Country Bank Strong Financial Performance § RoA at or above 1.5% over past 4 years § RoE above 20% over past 4 years § Net NPA of 0.05% as on 31 March, 2012 Pan India Branch Network § More than 375 branches across 275 locations § 900 branches by Mar 2015 Our differentiated approach positions us favourably to become “Preferred HOST COUNTRY BANK for MNCs” Assisting MNCs to enter & establish in India Liaison Office § India Business Facilitation Advisory Branch Office § Statutory approvals for setting up Office in India § India Entry: Strategy and Investment Structuring § VC/PE Financing § Commercial Loans § Business Current/Savings ENTRY Indian Subsidiary § IPO Advisory § Cash Management Services § Vendor/Supplier Financing § Trade Payments & Remittances § Commercial Loans § Business Current/Savings GROWTH Joint Venture / Partnerships Green field Projects Takeover/ Acquisitions § Investment Banking § Business Valuation Services § Project Financing § IPO Advisory MATURITY At YES BANK, we provide knowledge driven Banking solutions at every stage of the MNC Life-Cycle 1 s Relationship Management Corporate Finance Infrastructure Banking Group Realty, Hospitality, Healthcare & Education Banking Group (RHHE) Structured Finance Group § Project Advisory/Appraisal § Direct Credit Exposure § Securitization Transaction § Project Financing § Debt Arrangement & Syndication § Quasi Debt Structure § Structured Debt/Bond Issuance/NCDs § Funding SPVs/Project level § Off Balance Sheet Structure § Capex LCs/SBLCs § Funding – Parent level § Acquisition Finance § Knowledge Sectors - Roads, Ports, Energy, Urban Infrastructure and EPC § Lease Rental Discounting Capability to underwrite / syndicate large sized Projects : Infrastructure* Non-Infrastructure* § Single Borrower Limit – INR 18.50 Bn § Single Borrower Limit – INR 13.75 Bn § Group Borrower Limit – INR 46.50 Bn § Group Borrower Limit – INR 37.25 Bn ^ Limits are dynamic and will increase with growing Balance Sheet *May 2012 With its unique value proposition and Knowledge Banking approach, YES BANK has emerged as a leading player in Infrastructure Financing. Infrastructure Sector lending constitutes 17% (March 2012) of the total asset book of the Bank. Responsible Banking YES BANK aims to build the 'Best Quality Bank of the World in India' by adopting the triple bottom-line ethos – 'People, Planet and Profit' – thereby creating enduring value, competitive advantage and sustainability leadership. As a corporate philosophy, Responsible Banking works to maximize stakeholder value across the social, environmental and economic spectrum of business through: § Responsible Banking in Thought – focuses on sustainability research, strategy formulation & reporting while working as a think tank that incubates fledgling business models within the social and environmental space. § Responsible Banking in Action – includes five dedicated business units providing financial solutions to address a range of socio-environmental development issues: a) Microfinance Institutions Group b) Inclusive & Social Banking c) Agribusiness & Rural Banking d) Sustainable Investment Banking e) Socially Responsible Investing The Bank's sustainability initiatives have garnered significant recognition, winning the 'Sustainable Bank of the Year: AsiaPacific Region' award twice at the FT-IFC Sustainable Finance Awards held in London, U.K, consecutively for the years 2011 & 2012 as well as receiving a 'Commendation Certificate' for 'Significant Achievement' at the 2012 CIIITC Sustainability Awards for the second year running. 2 Multinational Corporations Knowledge Banking - Key Differentiator § In depth Knowledge Reports (on Sunrise Sectors of the Indian Economy) Ÿ IT & ITeS – A report for the ASEAN summit Ÿ Life Sciences – Reports on Pharmaceuticals, Biotechnology and Clinical Research Services Ÿ Emerging Sectors – Creating reports on Indian KPO Opportunity, Medical Tourism Ÿ Working on an addendum to “10 year vision” report for Indian pharmaceutical industry with OPPI Ÿ A targeted report on Indo-US biotech opportunity § Significant traction with industry bodies (FICCI, CII, NASSCOM, TiE etc.) Ÿ Working with NASSCOM on developing the SME platform Ÿ Knowledge partners to FICCI for Technology & LifeSciences Ÿ Members of OPPI, IDMA, NASSCOM, ABLE, TiE, EPPIC Ÿ Strategic relationship with Silicon Valley Bank, US for providing structured cross border M&A and financing solutions for domestic companies and MNCs § Linkages with academic and research institutions Ÿ Advising a leading Indian technology institute in commercialization of their bio-informatics product Ÿ Advising a public-private joint venture entity on developing an incubator facility Creating Intellectual Assets: Knowledge Reports 3 Indian Pharmaceutical Industry - Vision 2015 Nov 2008 Indian Biotechnology Ecosystem-An Investment Perspective, Feb 2012 Healthcare Services in India 2012 The Path Ahead, Nov 2009 Indian Mining Sector Opportunities & Challanges, June 2011 Financing Infrastructure through PPP, August 2008 Vision 2020: Education & Employability, Feb 2012 A Global Perspective on Higher Education in India, Feb 2012 Diverse Beliefs: Tourism of Faith, Apr 2012 Emerging Dimensions & New products in Indigenous Tourism, Apr 2012 Actualizing the Second-White Revolution, Jan 2012 s Relationship Management Select MNC Relationships Global Fortune 500 Relationships Infrastructure Manufacturing Services Technology & IT Others 4 Multinational Corporations YES - International Banking YES - International Banking aims to become the 'Preferred Host Country Bank' by capitalizing on the rich current and target relationship partners. YES - International Banking has initiated a dedicated India Business Facilitation Desk (IBFD), with the objective of providing clients an in-depth understanding of the investment climate, as well as unparalleled advisory services on policies and regulations on doing business in India. In addition to providing complete banking solutions, IBFD in collaboration with the Bank's dedicated Multinational Corporations (MNC) division, provides customized advisory services to international corporates at every step of business establishment, across sectors, through YES BANK's Knowledge Banking initiatives. The services offered include Macro Economic Analysis, Trade and Investment Opportunity Assessment, Advisory, Regulations and Country Specific Frameworks, Cultural Adaptability and Exchange, Education and Knowledge Exchange. YES BANK Ltd. - Your Banker in India ¡ INR Clearing Services ¡ Trade Finance Services ¡ Treasury & Money Market Operations ¡ Financial Advisory & Cross-Border Investment Banking ¡ India Business Facilitation Desk ¡ Meeting your customer's banking needs in India § Sustainable Bank of the Year - Asia/ Pacific, 2012 & 2011 § No.1 Emerging Markets Sustainable Bank of the Year - Asia, 2008 FT / IFC Washington, London § Innovation in payments, 2012 § Innovation in Business Intelligence, 2010 Singapore Asia Pacific Region National Australian Bank Active Partner with key focus area as Trade and Treasury Westpac Bank Correspondent Banking Trade Relationship May Bank Trade & Remittance Partner 5 Development Bank of Singapore Correspondent Banking Trade & Treasury Relationship FCY Financing Woori Bank Trade & Export Credit Relationship Shinsei Bank Active Trade & Treasury Partner Australia & New Zealand Banking Correspondent Banking Trade & Treasury Relationship GROUP Bank of China Trade partner International Money Express Sdn. Bhd., Malaysia Remittance Partner Chinatrust Commercial Bank Active Partner with key focus area as Treasury CIMB Bank Trade & Financial Advisory Relationship ICBC Trade partner Kasikorn Bank Active Trade & Treasury Partner Shinhan Bank Active Partner for Treasury & Trade United Overseas Bank Trade partner China Merchants Bank Correspondent Banking Trade Relationship s Relationship Management Middle East & Africa Standard Bank Correspondent Banking Trade & Treasury Relationship Bank Hapoalim Trade Partner & cross-border Financial Advisory partner First Gulf Bank Trade Relationship Bank One Ltd Correspondent Banking Trade & Treasury Relationship National Bank of Kuwait Trade Partner Kenya Commercial Bank Active Trade & Treasury Partner CRDB Bank, Tanzania Trade Mashreq Bank Correspondent Banking Trade Partner Afrasia Bank Trade & Treasury Relationship State Bank of Mauritius Trade & Treasury Relationship United Bank for Africa, Nigeria Trade partner Burgan Bank, Kuwait Trade Relationship Abu Dhabi Commercial Bank Trade Relationship I&M Bank, Kenya Trade and treasury Bank Muscat Trade Relationship Nedbank, South Africa Trade partner Doha Bank Trade & Treasury Relationship National Bank of Oman Active Trade & Treasury Partner Turkiye Isbankasi, Turkey Trade Relationship Mauritius Commercial Bank Active Trade & Treasury Partner National Commercial Bank, Saudi Arabia Active Trade Partner Saudi British Bank Trade Relationship European Region Standard Chartered Bank Loan Syndication, Trade & Treasury Partner, Correspondent Banking Royal Bank of Scotland Correspondent Banking Trade & Treasury Relationship Natixis Loan Syndication Trade & Treasury Relationship UBI Banca Formal Tie-up on Banking Products Svenska Handelsbanken Correspondent Banking & Trade Relationship UBS AG Correspondent Banking Trade & Treasury Partner Credit Suisse Trade & Treasury Relationship Rabobank N.V. Trade & Treasury Relationship Bilateral Loan Zurcher Kantonalbank Trade Partner Banca UBAE Trade Partner Iccrea Banking Group, Italy Trade Partner Svenska Enskilda banken Trade Relationship The Hongkong & Shanghai Banking Corp. Limited Active Trade & Treasury Partner Societe Generale Active Treasury & Trade Partner Nordea Bank AB Trade Partner Correspondent Banking Raiffeisen Landesbank Trade Partner Pohjola Bank Trade Partner BNP Paribas Trade & Treasury Relationship Barclays Bank Plc Active Treasury and Trade Relationship Trade Relationship Unicredito Italiano S.pA Active Trade Partner ING Bank N.V. Trade & Treasury Partner Bilateral Loan Commerz Bank Trade & Treasury Relationship Raiffeisen Bank International Trade relationship Banco Sabadell Trade Partner Deutsche Bank AG Trade & Treasury Partner Correspondent Banking KBC Bank Trade & Treasury Relationship Intesa Sanpaolo Trade & Treasury Relationship FCY Loan Arrangement BHF Bank Trade & Treasury Relationship la Caixa Trade Partner 6 Multinational Corporations American Region Banco Bradesco Correspondent Banking Trade Relationship Other Institutions Banco Itaú Correspondent Banking Trade Relationship Nordic Investment Bank Citi Bank Active Partner with key focus area as Trade and Treasury Bank of Montreal Trade Partner & FCY Loan Arrangement Banco CorpBanca Trade Partner Wells Fargo Correspondent Banking Trade & Treasury Relationship Bank of Nova Scotia Strong Trade & Treasury Relationship Morgan Stanley Treasury Relationship EXIM Malaysia Branch Banking & Trust Co (BB&T) Trade Partner J P Morgan Correspondent banking Trade & Treasury Relationship Financial Advisory Canadian Imperial Bank of Commerce Correspondent Banking Trade & Treasury Relationship Royal Bank of Canada Correspondent Banking Active Trade & Treasury Relationship Toronto Dominion Trade & Export Credit Relationship OPIC, USA Refinance, Development Banking DEG, Germany Participation in Loan Syndication Mandates Asian Development Bank Development Banking Export Development, Canada Trade & Loan Syndication International Finance Corporation Social Banking Proparco, France Sustainable Banking Refinancing Facility Khazanah Nasional Broad-based Alliance USAID Sustainable Banking Goldman Sachs Treasury Relationship Investment Banking Tie-ups Hana Daetoo Investment Bank GIB Tie-ups International Money Express Sdn. Bhd., Malaysia RAK Bank Shinsei Bank Ltd Mashreq Bank Poalim Capital Markets UAE Exchange 7 s Relationship Management The Transaction Banking Group at YES BANK is a core product group focused on “Financial Supply Chain Management” of Corporates and offers services under the YES Transact Product Suite. 'YES Transact' consists of three specialized product domains namely: § Cash Management Solutions Ÿ Superior and secure Corporate Net Banking platform with features like Two Factor Authentication at the time of login, Beneficiary Library, IFS code Library for RTGS and NEFT transactions, Comprehensive Authorization Matrix, Bulk Uploads etc. Ÿ Convenient payment facility for direct/indirect taxes § Capital Markets & Escrow Account Services Ÿ Specialized Escrow Collection/Refund Management for Public Issues of equity, bonds, debentures, public deposits Ÿ End-to-end Payout Management for dividends & interest servicing of debt instruments § Trade Finance & Services Ÿ Product suite to cater to Trade Finance banking needs of your organization Ÿ Dedicated trade desk of experienced professionals to facilitate local coordination, transaction, structuring & trade advisory Ÿ Global footprint by leveraging 3000+ strategic international & domestic correspondent bank Tie-ups Ÿ Real time Debit & Credit advises on Trade transactions Ÿ Industry Benchmarked & ISO Certified systems & Processes Transaction Banking Services at YES BANK have expanded the scope of customer service from transaction execution to information facilitation, serving the core objective of optimum management of all operational, administrative and regulatory activities. Our Knowledge Driven Solutions cater to the entire value chain of companies Import Purchase § Import LC § Trade Credit (Buyers’ Credit / Suppliers’ Credit) § Collection Bills/ Outward Remittances § Performance Guarantee § Treasury Solutions Purchase of Raw materials / Inputs Domestic Purchase § Vendor Financing § Inland LC § Purchase Bill / Invoice Discounting § Payables Management solutions Ÿ E-payments Ÿ Cheque Printing Ÿ Continuous Stationery Ÿ PAP Cheque Books § Bank Guarantee § § § § § Current Account Working Capital Finance Project Finance Cash Management Services Advisory in Carbon Credit Manufacturing / Processing § Corporate Salary Accounts § Reimbursement cards § Knowledge Reports Exports § Export Credit (Pre-shipment / Postshipment) § Bill discounting § Collection Bills / Inward Remittances § LC Advising § Treasury Solutions Sales Domestic Sales § Dealer Financing § Sales Bill / Invoice Discounting § Receivables solutions Ÿ E-payments Ÿ CMS Collections Ÿ Cheque Collections § Bank Guarantee 8 Multinational Corporations About YES BANK Knowledge Driven Approach: Comprehensive Financial Solutions Customised mix of Corporate Finance, Treasury Integration, Transaction Banking & Risk Management YES BANK, India's fourth largest private sector Bank, is the outcome of the professional & entrepreneurial commitment of its Promoter & Founder, Dr. Rana Kapoor and his top management team, to establish a high quality, customer centric, service driven, private Indian Bank catering to the 'Future Businesses' of India. YES BANK has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers. YES BANK is steadily evolving as the Professionals' Bank of India with the long term mission of “Building the Best Quality Bank of the World in India”. Pharma & Specialty Chemicals Energy Food & Agri Equity Capital Markets Healthcare & Life Sciences Infrastructure Real Estate & Construction Transaction Banking Lending Syndication Minerals, Metals & Mining Retailing Structured Finance Client Focus Approach Retail Banking Manufacturing & Engineering Advisory Services Logistics Telecom Wealth Management Textiles & Apparel Financial Markets Information Technology Gems & Jewellery Media & Entertainment Financial Services At YES BANK, we provide knowledge driven Banking solutions. Our Knowledge Bankers are industry experts and offer invaluable and in-depth insights for your business. Strong National Footprint NEPAL BHUTAN Recent Awards and Recognitions Maiden International Investment Grade rating Baa3 long term 2011 § Lower Tier II bonds Programme assigned LAA and CARE AA § Upper Tier II bond issue assigned LAA- and CARE AA§ A1+ rating for the INR 75 bn Certificate of Deposit programme § A1+ rating for Short Term Fixed Deposit Programme § Adjudged the Fastest Growing & Strongest Large Bank (balance sheet > 50,000 cr), 2011 § Awarded India’s Best, Fastest & Strongest midsized Bank - 2010 § Awarded India’s Best midsized Bank - 2009 & 2008 Business Today - KPMG Best Banks Annual Survey Ranked 561 (Overall) & 163 (Return on Assets) amongst all global banks Financial Times Banker Top 1000 List 2012 BANGLADESH Pan-India Network § Over 375 YBL Branches pan India across 225 locations § 900 branches by Mar 2015 § 650+ ATMs § 2,000 ATMs by Mar 2015 § 2 National Operating Centres in Mumbai & Gurgaon 9 s Relationship Management YES BANK Initiatives 10 ACHIEVING INSTITUTIONAL EXCELLENCE ROBUST FINANCIAL PERFORMANCE FINEST HUMAN CAPITAL KNOWLEDGE BANKING WORLD-CLASS BRANCH INFRASTRUCTURE SERVICE EXCELLENCE RESPONSIBLE BANKING TRUST AND TRANSPARENCY Since inception in 2004, YES BANK has created a new paradigm in Indian Banking, through continuous Innovation and Excellence. As a full-service commercial and retail Bank, we re-dedicate ourselves towards delivering the Finest Banking Experience in India. Over 375 Branches Pan India | 650+ ATMs | 2 National Operating Centres Corporate and Registered Office: Nehru Centre, 9th Floor, Discovery of India, Dr. A.B. Road, Worli, Mumbai- 400018. India. www.yesbank.in D-12, South Extension - Part II, New Delhi - 110049, India. Tel: +91 11 4602 9000 Fax: +91 11 2625 4000 email: dlmnc@yesbank.in