Contents

Company Analysis.................................................................................................................................2
Vision Mission of the company..............................................................................................................3
Vision:................................................................................................................................................3
Mission:.............................................................................................................................................3
Corporate Governance Structure of the Company................................................................................3
Board of Directors:............................................................................................................................3
Yes Bank Management Team............................................................................................................3
Yes Bank Shareholding Pattern( Jan 2016).........................................................................................3
Major Events over the life of the bank..................................................................................................4
Current performance (Jan 2016)...........................................................................................................6
Strategic Alliances:................................................................................................................................7
Yes Bank and NABARD Consultancy Services (NABCONS):................................................................7
Yes Bank and NCMSL:........................................................................................................................7
Yes Bank and DFHL:...........................................................................................................................7
Yes Bank and BSE:..............................................................................................................................7
Value Chain of the Industry...................................................................................................................7
Marketing..............................................................................................................................................8
Key success factor:................................................................................................................................9
Competitive Advantage.........................................................................................................................9
Reforms in Indian Banking Sector....................................................................................................10
Differentiating Itself in an Overcrowded Market.............................................................................10
The Growth Story............................................................................................................................10
A Successful Market Entry...............................................................................................................10
Brand Power........................................................................................................................................10
Products and Services..........................................................................................................................12
INVESTMENT BANKING SOLUTIONS................................................................................................12
TREASURY AND RISK MANAGEMENT SOLUTIONS...........................................................................13
TRANSACTIONS BANKING SOLUTIONS.............................................................................................13
DEBT CAPITAL MARKETS..................................................................................................................14
The YES BANK Advantage................................................................................................................14
SURPLUS AND INVESTMENTS..........................................................................................................15
PRODUCT PORTFOLIO-........................................................................................................................15
 DEPOSITS-........................................................................................................................................16
PROGRAMS-.....................................................................................................................................16
WEALTH MANAGEMENT-................................................................................................................16
CARDS-.............................................................................................................................................17
SAFE DEPOSIT LOCKERS...................................................................................................................17
YES PRIVILEGES-...............................................................................................................................17
RESOURCES-....................................................................................................................................17
EMPLOYEE SKILL REQUIRED-...............................................................................................................17
COMPANY STRUCTURE AND CULTURE-...............................................................................................19
Organizational Structure-................................................................................................................19
JOB PROFILES OF THE COMPANY-.......................................................................................................20
FINANCIAL SERVICES/BANKING-......................................................................................................20
SALES/RETAIL/BUSINESS DEVELOPMENT-.......................................................................................20
OPERATION-....................................................................................................................................21
STRATERGY/ MANAGEMENT CONSULTING-....................................................................................21
HUMAN RESOURCE-........................................................................................................................21
TOP MANAGEMENT-.......................................................................................................................21
IT SOFTWERE-..................................................................................................................................21
References...........................................................................................................................................21

Company Analysis
Vision Mission of the company
Vision:
To be the ‘Finest Quality Bank in India’ by 2020.

Mission:
To establish a high quality, customer centric, service driven, private Indian Bank catering to
the ‘Future Businesses of India’.

Yes bank is the fifth largest private sector bank in India. Incorporated on 21 st November
2003 the bank received its certificate of Commencement of Business on 21 st January 2004.

Corporate Governance Structure of the Company

Board of Directors:
1) Mr. Rana Kapoor (CEO)
2) Mr. Ashok Chawla
3) LT General (Dr.) Mukesh Sabharwal (RETD.)
4) Mr. Brahm Dutt
5) Mr. Vasant V Gujrathi
6) Mr. Saurabh Srivastava
7) Mr. Ajay Kumar
Yes Bank Management Team

Yes Bank
Management Team.pdf

Yes Bank Shareholding Pattern( Jan 2016)

Yes Bank Shareholding

Indian Promoter
12% 22% Domestic Institutional
Investors
Foreign Institutional
Investors
42% 24% Others
Major Events over the life of the bank
2003
November: Incorporation of the bank

2004

March: Capital infusion by promotors and key investors.

May: Capital infusion by promotors and key investors.

August: First branch at Mumbai & inclusion in second schedule of the RBI Act.

Launch of corporate and business banking.

2005

February: ISO 9001:2000 certification for back office operations

June: Maiden public offering of equity shares by the bank

November: Rana Kapoor, Founder, MD & CEO adjudged Start-up entrepreneur of the
year at E&Y Entrepreneur Award

2006

March : FY2006-First full year of commercial operations; Profit of INR 553 million,
ROA 2%

April : YES BANK's Investment Banking Group was ranked #1 in M&A 'Outbound
Cross Border Transactions' in the Bloomberg League Tables

October: Raised INR 1.8 billion of long-term subordinated Tier II debt

December: Launch of YES SAMPANN INDIA, our Financial Inclusion Initiative, in

partnership with ACCION International, USA

2007

February: Raised 1.98 billion of Upper Tier II capital

August: Launch of YES-International Banking

September: Selected as a Founding Member of the Community of Global Growth

Companies at the World Economic Forum, Geneva

2008
 June: YES BANK won the prestigious Emerging Markets Sustainable Bank of the Year
Award at the Financial Times/IFC, Washington Sustainable Banking Awards held in
London

Raised 3,640 million (USD 85 million) in a combination of Upper Tier II Subordinated

Debt and Hybrid Tier I Capital from Rabobank

2009

March: Raised Hybrid Tier I Capital of 1,540 million

July: Launched the Business Today - YES BANK SME Survey & Awards

December: Received the Fastest Growing Bank award (balance sheet < 30,000 cr) at the
Business World Best Bank Awards 2009

2010

January: Raised USD 65 million of Subordinated Lower Tier II Debt

Raised USD 225 million through a QIP

April: Launch of Version 2.0 - YES BANK’s NextPhase of Growth

Announcement of Maiden Dividend at 15%

December: Ranked as India's #1 Mid-Sized Bank (balancesheet < 50,000 cr) at the Business
Today-KPMG Best Bank Survey & Awards

2011

June: Received the prestigious “Sustainable Bank of the Year (Asia/Pacific)” Award at FT/IFC
Sustainable Finance Awards 2011, London

November: Launched the 1st FT-YES BANK International Banking Summit 2011 – taking
Indian Banking to the World

December: Hiked Savings Deposit Rate to 7%p.a. and NRE Fixed Deposit Rates to a peak of
9.6%p.a.

2012

June: Received the prestigious “Sustainable Bank of the Year (Asia/Pacific)” Award - FT/IFC
Sustainable Finance Awards 2012, London second year in a row

August: Raised USD 155 million & EUR 50 million by way of Dual Currency Syndicated Loan
Facility
December:Rated as Best Mid-Sized Bank , 2012 – Business Today KPMG Best Banks Survey
and Awards, and the Best Mid-Sized Bank, 2012 by Business World PwC Best Banks Survey

2013

March: Awarded the Best Managed Bank in India (2011-2013) by The Asian Banker

June: Retail Banking footprint expands to 500 branches covering all 28 states and 7 Union
Territories across India

August: Recommends Dividend for FY 13 at 60%

2014

March: FIRST bank in India to receive the Business Excellence trophy at the prestigious IMC
Ramkrishna Bajaj National Quality Awards

May: Raised USD 500 million through a global QIP

September: Received the 'Best Transaction Bank for Payments' by The Banker's Transaction
Banking Awards, London

First Indian Bank to receive the “Global Performance Excellence Award-2014” in the Services
Category by APQO, Chicago, USA

December: Raised USD 200 mn Unsecured Loan from Asian Development Bank for financing
working capital & investment loans targeted towards small farm households & rural women
in SHGs

2015

February: Raised India’s FIRST Green Infrastructure Bonds for an amount of 1000 Crores
(USD 160 million)

March: YES BANK was added to NIFTY 50, the benchmark index of the National Stock
Exchange

April: YES BANK launched its first International representative office in Abu Dhabi, UAE

Current performance (Jan 2016)

 Yes Bank Q3 profit rose 30.62%
 Net profit for the quarter stood at Rs. 882.63 crore compared to Rs 675.74 crore a year
ago
  Net interest income  increased 30.3% to Rs1,507.50 crore
 Other income increased to Rs998.35 crore—a rise of 33.81%
 Gross NPAs rose 9.73% to Rs1,005.85 crore at the end of the December quarter from
Rs916.68 crore in the September quarter.
 As a percentage of total loans, gross NPAs stood at 0.85% at the end of December
compared to 0.83% in the previous quarter and 0.66% in the year-ago quarter.

Strategic Alliances:
Yes Bank and NABARD Consultancy Services (NABCONS):
Yes Bank and NABCONS entered into a strategic alliance for joint execution of advisory and
technical consultancy assignments in India and countries with strategic value with respect to
Food and Agribusiness domain.(June 2006)

Yes Bank and NCMSL:

Yes Bank entered into strategic alliance with National Collateral Management Services
Limited for collateral management and warehousing services. The partnership will help Yes
Bank to be access NCMSL services like working capital financing in commodity-based
industries at the same time be leverage its position to facilitate in agro based industries.
(December 2010)

Yes Bank and DFHL:

Yes Bank signed a MoU with Dewan Housing Finance Limited to launch a joint product,
which will be targeted to customers through 60 main branches of Yes Bank acros 25 Indian
cities. DHFL will offer the booked assets to YES BANK for participation through a syndication
agreement. (May 2011)

Yes Bank and BSE:

Yes Bank signed a MoU with BSE to create awareness about listing procedures for SME’s,
retail investor education as well as comprehensive banking & financial solutions, amongst
various SME sector units, trade associations & various policy makers. According to the MoU
Yes Bank will work as a knowledge partner along with BSE and exchange information by
leveraging its branch network. (October 2014)

Value Chain of the Industry

A framework that firms can use to identify and evaluate the ways in which their resources and
capabilities can add value. The value of the analysis lies in being able to break the organization's
operations or activities into primary (such as operations, marketing & sales, and service) and support
( staff activities including human resources management & procurement) activities.
Analyzing the firm's value-chain helps to assess your organization and what you perceive your
competitor’s value-chain to be will uncover ways to cut costs, and find ways add value that will
provide a competitive advantage.

Here we have a value chain for a low cost strategy that identifies some activities that are used to
keep costs low

Marketing
YES BANK is recognized with multiple awards for best campaigns across all major Social Media
platforms including Facebook, Twitter and LinkedIn.

1. Best Use of Facebook - Business Generation Strategy

2. Best Use of LinkedIn - CFO FORUM Showcase Page
3. Best Twitter Campaign - INDIA bole YES

YES BANK was honoured with the award for the Best Social Media Campaign of the year, for the 360
degree campaign during the Indian Premier League (IPL) 2016. YES BANK is an Official Partner of the
Pepsi Indian Premier League.

YES BANK, India's 5th largest private sector Bank, bagged multiple recognitions at the CMO Asia's
Social Media & Digital Marketing Excellence Awards hosted by the World Brand Congress in
Singapore.

YES BANK's newly launched corporate website http://www.yes.bank was awarded as the Best
Website for its overall rich User Interface and Experience as well as ease of access.
The awards reflect YES BANK&'s leadership in leveraging Digital and Social Media channels for
Business Outcomes as well as creating Engagement and Brand Awareness amongst its target
audience

Key success factor:

The success of yes bank can be attributed to its “Differentiating Strategy.”

The bank differentiated itself from other players in the industry through its on three
basic parameters.

1. Knowledge banking approach

2. Emphasis on technology
3. Human resource

The Bank differentiated itself from other players through

Unique “knowledge banking approach”

Emphasis of high end technology to provide innovative solutions

Highly qualified human resources.

Rather than expanding very quickly, the bank focused on the niche segments of the customers

The bank catered to a niche segment which helped it to avoid price competition

Overall, it aimed at establishing itself as knowledge based and technology driven bank that would
cater to the needs of emerging Indian economy

Competitive Advantage

When Yes Bank announced its decision to enter the Indian banking space in the mid-2000s, industry
watchers were skeptical about the move as they felt that the market was already overcrowded. But
soon after starting operations, the bank caught the attention of analysts, as well as its competitors
with The bank, differentiated itself from other players in the industry through its unique 'knowledge
banking approach', emphasis on technology, and human resources. The knowledge banking
approach was its main pillar of differentiation and using this it provided specialized services to
various sunrise industries through domain experts. It also used the latest technology available in the
industry to provide highly innovative solutions. Its strategy of outsourcing information technology
(IT) infrastructure to proven experts in the field not only helped it to provide superior service to its
customers but also to reduce costs and focus on its core business activities.

Recognizing that human resources were a source of sustainable competitive advantage, it strove to
differentiate itself from its competitors by adopting some winning HR practices.Several new
initiatives like giving the employees the freedom to work in the field of his/her own specialized
interest and the independence to take initiatives with regard to his/her ideas were especially
noteworthy.Analysts attributed the bank's fast ascendancy, despite its late entry into the market, to
its innovative strategies.Unrelenting efforts to provide world class services coupled with a steadfast
maintenance of Background Note

Reforms in Indian Banking Sector

As part of the economic reforms it started in the early 1990s, the Government of India (GoI)
embarked upon reforming the financial sector of the country. A sound financial sector was the key to
the growth of the economy and banking was considered the lynchpin of the financial sector in any
economy...

Differentiating Itself in an Overcrowded Market

According to industry experts, Yes Bank was entering an overcrowded market dominated by public
sector banks such as the State Bank of India (SBI) and private banks such as ICICI Bank and HDFC
Bank. In addition, there were many cooperative banks and foreign multinational banks. Moreover,
many of the product lines of these banks had become commoditized...

The Growth Story

The bank had grown at a tremendous pace since its inception. In the first two quarters since it began
operations in (2004-2005), its balance sheet was standing at Rs.1,300 million, which made it one of
the most successful ventures in India.The bank started its operations with just 250 employees and
two branches. As of October 2007, it was operating with 60 branches and 3,263 employees. The
bank's business size was Rs. 800 million in December 2006.operational standards were the prime
areas

A Successful Market Entry

According to the analysts, the bank's competence in terms of using high-end technology, its
'knowledge banking' approach, and emphasis on highly qualified human resources helped it to
differentiate itself from other private banks in an increasingly commoditized market.

In particular, its knowledge banking initiative drew a lot of interest. 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...on for the bank's phenomenal growth...

Brand Power
YES BANK has been recognized amongst the Top and Fastest Growing Banks in various Indian
Banking League Tables by prestigious media houses and Global Advisory Firms and has received
several national and international honors for our various Businesses including Corporate Investment
Banking, Treasury, Transaction Banking, and Sustainable practices through Responsible Banking. YES
BANK is steadily evolving as the Professionals’ Bank of India with the long term mission of “Building
the Finest Quality Bank of the World in India” by 2020.

The YES BANK brand is built around key Brand Pillars, which epitomize the growing strengths of the
Bank. All communication and advertising has been created around these key brand pillars.
  Growth: YES BANK's core promise is growth for its internal and external stakeholders
symbolized in ‘Say YES to Growth!’

 Trust: YES BANK's Promoters, Investors, and Top Management team are all of the highest
pedigree with a demonstrated track record, thus inspiring and establishing a Trust Mark –
‘Say YES to Trust!’

 Human Capital: YES BANK has adopted a knowledge-driven, entrepreneurial management

approach and offers financial solutions beyond the traditional realm of banking. YES BANK's
top quality Human Capital represents the finest talent in Indian banking, chosen from India
and abroad

 Innovation & Technology: YES BANK is establishing the highest standards in customer service
by adopting cutting-edge, innovative Technology. The only thing constant about technology
used at YES BANK is Evolution

 Transparency : YES BANK considers Transparency and Accountability to be of utmost

importance. YES BANK has established one of the most stringent Corporate Governance
norms

 Responsible Banking : YES BANK has a vision to be the Benchmark Financial Institution for
Inclusivity and Sustainability. YES BANK’s mission is to link CSR and Sustainable Development
with stakeholder value creation through innovative solutions and services & weave
sustainability principles into its core business strategy and processes

Capital Structure

Capital Structure (Yes Bank)

Period Instrument Authorized Issued Capital -PAIDUP-

Capital

From To (Rs. cr) (Rs. cr) Shares (nos) Face Value Capit

2015 2016 Equity Share 600 420.53 420531641 10 420.5

2014 2015 Equity Share 600 417.74 417736098 10 417.7

2013 2014 Equity Share 600 360.63 360633626 10 360.6

2012 2013 Equity Share 600 358.62 358622289 10 358.6

2011 2012 Equity Share 600 352.99 352987424 10 352.9

2010 2011 Equity Share 400 347.15 347147124 10 347.1

2009 2010 Equity Share 400 339.67 339667269 10 339.6

2008 2009 Equity Share 400 296.98 296978930 10 296.9

2007 2008 Equity Share 400 295.79 295789750 10 295.7

2006 2007 Equity Share 400 280 280000000 10 280

2005 2006 Equity Share 400 270 270000000 10 270

2003 2005 Equity Share 400 200 200000000 10 200

Source : Dion Global Solutions Limited

Products and Services

INVESTMENT BANKING SOLUTIONS

Investment Banking has been an integral part of YES BANK since inception and is now a part of YES
Securities.

 Excellent track record, credibility with Financial Investors, outstanding relationships with
legal and tax firms help us to provide value-added transaction benefits to our clients

 Cross Border Relationships: We have strategic alliances with boutique investment firms
based in Asia, Europe and the U.S. These relationships are driven either by sectoral expertise
or the strong geographic presence that these firms may have built over time

 Leveraging on strong relationships with Indian corporates through the Bank’s wholesale
segment, the Investment Banking team has completed over 150 transactions since inception
TREASURY AND RISK MANAGEMENT SOLUTIONS
With a highly experienced and dedicated team of Product Experts, we offer comprehensive and
competitive line-up of financial market products to help our customers to effectively conduct
transactions and manage foreign exchange risks in the global markets.

In addition to USD, you can also transact in following foreign currencies (FCY) with YES BANK:

Currencies

 EUR  GBP  AUD

 JPY  NZD  CAD

 CHF  SGD  SEK

 NOK  HK  SAR
D

 THB  RUB  QAR

 CNH  ZAR  AED

Comprehensive Product Suite

· Cash, Tom, Spot - Covers (Today) T, T+1, T+2

· Forwards – Covers Transactions more than T+2

· Interest Rate Swaps (INR and FCY)

· Cross Currency Swaps, including Principal Only Swaps, Coupon Only Swaps

· Interest Rate Options including caps, floors, collars and digitals

· Cross Currency Options

YES Forex – Online Forex Solution

YES BANK offers a secured and user-friendly online forex transaction platform with real time deal
execution capabilities

 Booking and cancelling deals online at the click of a button

 Increased transparency and superior security levels to maintain user confidentiality

 View deal history and chat with a trader on-line

 Customizable views

TRANSACTIONS BANKING SOLUTIONS

The Transaction Banking Group at YES BANK is a core product group focused on the & Financal
Supply Chain Management of corporates, both on the International & Domestic front.

The YES BANK Advantage

 World Class Services with Global footprint

 Enhanced Information Management

 Increased Administrative Efficiency

 Innovative Structuring Capability

 Benchmarked and Certified Systems & Processes

 ISO certified back office

 Stringent SLA backed services from partners

 Dedicated team of Corporate Service specialists at over 50 locations in India

DEBT CAPITAL MARKETS

YES BANK DCM has emerged as a leading and buoyant debt capital franchise over the last 10 years
with deep rooted knowledge of underlying market dynamics, coupled with strong distribution and
structuring capabilities.

What we offer?

 Integrated Origination and Distribution capabilities for primary market Corporate Non-
Convertible Debentures/Bonds and Money Market Securities

 Structured Debt (loans and bonds) Syndication

 Active counterparty to Investors in the secondary market

Primary Dealership 
YES BANK is a primary dealer (PD) for Government of India securities and as a part of this mandate
underwrites and bids for these securities in the auction of Government Bonds held by Reserve Bank
of India.
The PD desk actively trades and distributes dated securities, T-bills and State Government Bonds,
thus covering the complete sovereign debt product needs of clients including Mutual Funds,
Insurance Companies, FPIs, Cooperative Banks, Provident Funds and Retail Customers. The PD desk
also trades in interest rate swaps.

The YES BANK Advantage

 One of the few active market makers in the domestic market, YES BANK has introduced
many first time issuers to INR Bond market

 Strong relationships across various investor categories including Banks, Financial Institutions,

Mutual Funds, Insurance Companies, NBFCs, PFs, FPIs and Private Wealth Managers

 Ability to originate transactions across the product suite, for a wide range of issuers
including Private Sector Corporates, PSUs, Central and State Government entities and many
NBFCs, who have repeatedly mandated YES BANK for their debt raising programs

 Awarded the prestigious Green Bond Pioneer award for being the ‘Pioneers in Emerging

Markets-India’ by the Climate Bonds Initiative in 2016

 Consistently ranked among the Top 10 by Bloomberg in the ‘India Domestic Bonds’
underwriting league tables since the last 4 years

 Successfully issued and placed India’s first-ever Green Infrastructure Bond in 2015

SURPLUS AND INVESTMENTS

YES BANK’s Relationship Managers are best equipped to address all your needs around Surplus fund
management. With an array of products like Fixed Deposits, Money market securities, G-Secs,
Corporate Bonds and Mutual Funds. Based on your liquidity and risk profile, our Relationship
Managers can help you invest in a wide range of third party products, which can help you diversify
your investment portfolio.

 Fixed Deposits

 Wide range of tenures ranging from 7 days to 10 years

 No penalty on premature withdrawal

 Tax-Saver Deposits: Five years tax-free Fixed Deposits (Interest rate same as regular
fixed deposit)

 Overdraft facility at competitive rates give your funds liquidity

 Auto-Renewal ensures your FD is safe even if you forget to give instructions

 Fixed Income Solutions 

 Capital Market Instruments: Public & Private sector Corporate Bonds, NCDs, G-Secs

 Money Market Instruments: T-Bills, Commercial Papers, Certificate of Deposits of

Top-rated corporates

 Third party Equity Instruments, Mutual Funds, Insurance and other Alternative Investments
PRODUCT PORTFOLIO-
SAVINGS ACCOUNTS-YES BANK offers Savings Accounts that have been designed specifically to take
care of your banking and savings requirements. The innovative financial solutions, backed by expert
advice, will provide a truly rewarding banking experience.

LOANS- YES BANK offers its valuable customers, a wide range of loans that will fulfill the every need.
The wide range of loans will enable people to move into thier own home, or buy their dream vehicle,
or enhance their business, or treat their family to that perfect vacation that they always dreamt of.
The loans are-

 Home Loan

 Car Loan

 Loan against Securities

 Bike Loan

 Personal Loan

 Gold Loan

 Loan against Properties

 Construction Equipment Loan

DEPOSITS-
There are 2 type of deposits offered by YES Bank-

 Fixed Deposit

 Recurring Deposit

PROGRAMS-
 My First YES-

 YES Respect

 YES Grace

 YES Family

 YES Honour

 YES Vijay

WEALTH MANAGEMENT-
A range of sophisticated products to suit the investment requirements of the investers-

 Indian Gold Coin

 Investments

 Prosperity Insights
  Money Monitor

 National Pension System

 3-in-1 Account

 MFOnline Demat Account

 YES Tax Solutions

 Online Will Writing Services

 Atal Pension Yojana

 Pradhan Mantri Jhan-Dhan Yojna

CARDS-
 Credit Card

 Debit Card

 Prepaid Cards

SAFE DEPOSIT LOCKERS

Safe Deposit Lockers at YES BANK offer you the shelter & security of your valuables. You can now
enjoy peace of mind without worrying for your important documents, jewellery and other valuables.

YES PRIVILEGES-
 YES Rewardz-YES BANK’s customers are entitled to an exclusive loyalty program YES
Rewardz. This program entitles customers to YES Points, on select Debit Card and
NetBanking transactions, making their banking experience more rewarding

 YES Privileges Offers- Provides debit & credit cards offers & netbanking discounts to its
customers.

RESOURCES-
Resources that can help customers to transact and manage their finances better

 YES Tax Solution- YES BANK brings to you a comprehensive tax solutions programme to assist
you with its Tax Experts. Now plan your financial goals and get access to comprehensive tax
solutions that will help grow your wealth and save tax too.

 Financial Guidance- Provide Financial guidance to the customers.

EMPLOYEE SKILL REQUIRED-
Reading Comprehension - Understanding written sentences and paragraphs in work related
documents.

Active Listening - Giving full attention to what other people are saying, taking time to understand the
points being made, asking questions as appropriate, and not interrupting at inappropriate times

Speaking - Talking to others to convey information effectively.

Monitoring - Monitoring/Assessing performance of yourself, other individuals, or organizations to

make improvements or take corrective action.

Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative
solutions, conclusions or approaches to problems.

Judgment and Decision Making - Considering the relative costs and benefits of potential actions to
choose the most appropriate one.

Writing - Communicating effectively in writing as appropriate for the needs of the audience.

Social Perceptiveness - Being aware of others' reactions and understanding why they react as they
do.

Coordination - Adjusting actions in relation to others' actions.

Active Learning - Understanding the implications of new information for both current and future
problem-solving and decision-making.

Complex Problem Solving - Identifying complex problems and reviewing related information to
develop and evaluate options and implement solutions.

Management of Personnel Resources - Motivating, developing, and directing people as they work,
identifying the best people for the job.

Service Orientation - Actively looking for ways to help people.

Time Management - Managing one's own time and the time of others.

Persuasion - Persuading others to change their minds or behaviour.

Learning Strategies - Selecting and using training/instructional methods and procedures appropriate
for the situation when learning or teaching new things.

Mathematics - Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their

applications.

Negotiation - Bringing others together and trying to reconcile differences.

Instructing - Teaching others how to do something.

Systems Analysis - Determining how a system should work and how changes in conditions,
operations, and the environment will affect outcomes.

Systems Evaluation - Identifying measures or indicators of system performance and the actions
needed to improve or correct performance, relative to the goals of the system.
Management of Financial Resources - Determining how money will be spent to get the work done,
and accounting for these expenditures.

Operations Analysis - Analysing needs and product requirements to create a design.

Economics and Accounting - Knowledge of economic and accounting principles and practices, the
financial markets, banking and the analysis and reporting of financial data.

Administration and Management - Knowledge of business and management principles involved in

strategic planning, resource allocation, human resources modelling, leadership technique,
production methods, and coordination of people and resources.

Sales and Marketing - Knowledge of principles and methods for showing, promoting, and selling
products or services. This includes marketing strategy and tactics, product demonstration, sales
techniques, and sales control system

Customer and Personal Service - Knowledge of principles and processes for providing customer and
personal services. This includes customer needs assessment, meeting quality standards for services,
and evaluation of customer satisfaction.

Law and Government - Knowledge of laws, legal codes, court procedures, precedents, government
regulations, executive orders, agency rules, and the democratic political process.

Clerical - Knowledge of administrative and clerical procedures and systems such as word processing,
managing files and records, stenography and transcription, designing forms, and other office
procedures and terminology.

Personnel and Human Resources - Knowledge of principles and procedures for personnel
recruitment, selection, training, compensation and benefits, labour relations and negotiation, and
personnel information systems.

Psychology - Knowledge of human behaviour and performance; individual differences in ability,

personality, and interests; learning and motivation; psychological research methods; and the
assessment and treatment of behavioural and affective disorders.

Computers and Electronics - Knowledge of circuit boards, processors, chips, electronic equipment,
and computer hardware and software, including applications and programming

Communications and Media - Knowledge of media production, communication, and dissemination

techniques and methods. This includes alternative ways to inform and entertain via written, oral,
and visual media.

Education and Training - Knowledge of principles and methods for curriculum and training design,
teaching and instruction for individuals and groups, and the measurement of training effect
COMPANY STRUCTURE AND CULTURE-
Organizational Structure-
Branch Business
Leader

Sales Operation

Manager Sr. Manager

Sr. Officer Manager

Asst. Manager

Sr. officier

Executive

Officier

The working culture of YES bank is good and the employees are cooperative. The official working
hours are fixed, but many times employees have to work past their working hours to complete the
work. The learning environment is moderate. To learn new things the employees have to take
initiative. Top management is excellent but the middle management system is not so efficient and is
very bureaucratic.

JOB PROFILES OF THE COMPANY-

FINANCIAL SERVICES/BANKING-
1. Operations Officer –Banking

2. Operations Manager -Banking

3. Customer Service Manager –Banking

4. Branch Manager –Retail

5. Relationship Executive –Corporate Banking

 6. Domestic Private Banking Officer

7. Regional Manager –Retail

8. Operations Manager -Trade Finance

9. Credit Manager -Corporate Banking

10. Retail Asset Documentation Officer

11. Customer Service Executive –Banking

12. Credit Analyst -Corporate Banking

13. Business Development Manager –Life Insurance

14. Treasury Back Office Executive

15. Customer Service Manager –Insurance

16. Business Development Manager –Forex

17. Cash Officer4.03.0Business Development Manager –Mutual Funds

18. Operations Manager -Mutual Funds

SALES/RETAIL/BUSINESS DEVELOPMENT-
1. Sales Executive –Retail

2. Corporate -Key Account Manager

3. Sales Manager –Retail

4. Corporate Sales Manager

5. Client Relationship Manager –Channel

6. Head, VP, GM, National Manager Sales

7. Area Sales Manager

8. Marketing Manager

OPERATION-
1. Operations Manager -BPO, KPO

2. Telemarketing Executive

STRATERGY/ MANAGEMENT CONSULTING-

1. Audit Manager

2. Financial Analyst –Accounts

3. Finance, Budgeting Manager

4. Accounts Executive

5. Corporate Strategy Manager

HUMAN RESOURCE-
1. HR Executive

2. HR Manager

TOP MANAGEMENT-
1. Head, VP, GM Operations

IT SOFTWERE-
2. Business Analyst

Impressive work guys. Few more point, I want you to incorporate:

1. Total Balance Sheet Size

2. Yes Bank's priority sector lending

3. Include growth in terms of deposits, Net Interest Margin, Advances and other performance
factors, by representing them using Bar Charts) Easily available in the first few pages of company's
Annual report.

For any queries or clarification, write me on : Rahul.pgp15038@iimkashipur.ac.in

References
http://www.yes.bank