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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 Rana Kapoor with a goal to set up a high
quality, 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 Greenfield
license by the Reserve Bank of India in the past 14 years.

§YES Bank Limited follows international best practices,


premier standards of service quality and operational
excellence and use highest technologies to provide
comprehensive banking and financial solutions.
§
§Its knowledge driven approach is one of its key
strengths.
PRODUCTS & SERVICES
The products and services fall under the
following three broad categories:

ØInfrastructure Banking Unit ( IBU )


ØStructured & Project Finance Unit
( SP & F )
ØFinancial Restructuring Unit ( FRU )
Infrastructure Banking
Unit (IBU)
•This Unit 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 Power, Telecom, Mining, Oil &
Gas, Transportation and Wind Energy segments.

•It assist the clients to obtain funding for


projects and also offer end - to - end advisory
services from the planning stage to financial
closure.
Structured & Project
Finance Unit (SP&F)
§
§
The SP&F unit offers structured and project
finance expertise to non-infrastructure
clients. The areas of specialization include:

ØSecuritization
ØStructured Liability
Products
ØDebt Syndication
ØLeverage Finance
ØAsset & Tax 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.
§
PERFORMANCE OF YES
BANK: 2005-2010
The YES BANK key milestones
ØInspite of late entry the bank is growing at such a
fast rate that it has drawn the attention of analysts
all over the country.
Ø
ØThe strategic goal of YES bank has been to build Yes
Bank into a “ One Bank ” for their customers.
Ø
ØThe “One Bank ” business model is directed towards
maximizing revenue generation from customers by offering
our full range of products and services to address all
their banking needs.

ØThe bank went public in June 2005. IPO was


oversubscribed 30 times.
Ø
ØSince its listing, the stock has appreciated by 43
per cent .
Ø
ØThe valuation is still attractive considering the
growth prospects for a small bank with access to
resources such as itself.
Assets 2008
2 009 2010
2006
2007
INTRODUCTION
Cash & Balances with RBI 88.17 389.76 959.24 1,277.72 1,995.31

Balance with Banks, Money at 127.41 903.08 668.33 644.99 677.94


Call
Advances 2,407.09 6,289.73 9,430.27 12,403.09 22,193.12

Investments 1,350.14 3,073.12 5,093.71 7,117.02 10,209.94

Gross Block 36.24 86.66 133.01 194.88 206.40


Accumulated Depreciation 6.81 17.38 35.73 64.15 92.32
Net Block 29.43 69.28 97.28 130.73 114.08
Capital Work In Progress 5.29 1.59 3.89 0.39 1.38
Other Assets 155.01 376.88 729.70 1,326.86 1,190.73

Total Assets 4,162.54 11,103.44 16,982.42 22,900.80 36,382.50

Contingent Liabilities 17,305.64 51,724.67 65,990.12 43,953.92 101,835.5


0
Bills for collection 218.57 336.91 2,884.42 3,849.80 4,105.86

Book Value (Rs) 21.21 28.11 44.59 54.69 90.96


Mar '06 Mar '07 Mar '08 Mar '09 Mar '10

12 mths 12 mths 12 mths 12 mths 12 mths

Net Profit for the Year 55.32 94.37 200.02 303.84 477.74
Extraordionary Items 0.00 0.00 0.00 0.00 0.00
Profit brought forward -3.76 37.73 105.30 245.08 405.78
Total 51.56 132.10 305.32 548.92 883.52
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 0.00 0.00 0.00 50.95
Corporate Dividend Tax 0.00 0.00 0.00 0.00 8.66

Earning Per Share (Rs) 2.05 3.37 6.76 10.23 14.06


Equity Dividend (%) 0.00 0.00 0.00 0.00 15.00
Book Value (Rs) 21.21 28.11 44.59 54.69 90.96

Transfer to Statutory Reserves 13.83 26.80 60.24 143.15 150.95


Transfer to Other Reserves 0.00 0.00 0.00 0.00 0.00
Proposed Dividend/Transfer to 0.00 0.00 0.00 0.00 59.61
Govt
•In Q4FY08,Yes Bank’s NII has grown by 134.3%
yoyto Rs1084mn, ahead of expectations.

•The strong performance has been driven by
improved margins .NIM’s of the bank increased by
79bps yoy and 9bps sequentially

•Yes Bank for the quarter ended Mar’09 reported
45% growth in Net interest income at Rs 155.22
crore and 24% growth in Net profit at Rs 80.11
crore.

•Yes Bank reported a strong Net Profit growth of
75% yoy for 4QFY2010, in line with the
expectations.
Key Highlights for Full Year ended Mar 31 , 2010
( FY10 )
 
•Net Profit up 57.2% to Rs. 477.7 cr (Rs.303.8 cr in FY09)

•Net Interest Income up 54.7% to Rs. 788.0 cr (Rs. 509.3


cr in FY09)

•Non Interest income up 31.7% to Rs. 575.5 cr (Rs. 436.9


Cr in FY09)

•Operating Profit up 63.6% to Rs.863.3 cr (Rs.527.6 cr in


FY09)

•Return on Average Assets-RoA of 1.61% (1.52% in FY09)

• Return on Equity-RoE of 23.7% (20.6% in FY09)

• Basic EPS of Rs. 15.65 and Diluted EPS of Rs. 14.87



ROAD AHEAD …

YES BANK has embarked on its journey into


the next phase of growth, and launched the
Bank's VERSION 2 . 0 - the Take - off .

OBJECTIVE: “To achieve a balance sheet


size of INR 150 , 000 crores , a pan
India branch network of 750 with a
human capital base 12 , 000 by 2015 .”
MANAGEMENT TEAM
Founders
Ø Mr. Rana Kapoor (MD and CEO of Yes
Bank)
• Ranked as “3rd Most Valuable Indian CEO”
of the year in November 2009 by
Business World Magazine
• Received “Distinguished Entrepreneurship
Award” at PHD Chamber Awards For
Excellence 2007
• “Start up Entrepreneur of the year 2005”
at E&Y Entrepreneur of the year awards
Ø Late Mr. Ashok Kapur( Non executive
chairman 2004-08)
• Was an associate of Institute of Bankers,
UK
• First Asian to be appointed Country
Manager of ABN Amro Bank, India
• Before being part of Yes Bank, was
Board Of Director’s
Mr. Rana Kapoor Managing Director & CEO YES BANK Ltd.
Chairman - Nominations & Governance
Committee
Mr Sipko Schat Non Independent Director Member Executive Board, Vice
Chairman Rabobank International

Mr. Wouter Kolff Independent Director Former Vice Chairman – Managing


Board, Rabobank International,
Holland
Mr. Bharat Patel Independent Director Non Executive Chairman, Procter &
Chairman - Investor Relations committee Gamble, India

Chairman - Service Excellence Committee

Mr. S.L Kapur Independent Director Former Secretary, Government of


Chairman - Audit & Compliance Committee India, Department of Small Scale
Industries & Agro and Rural
Chairman - Board Remuneration Committee Industries

Mr. Arun K Mago Independent Director Former Chief Secretary, Government


of Maharashtra
Ms Radha Singh Independent Director Former Union Agriculture Secretary,
Government of India

Mr Ajay Vohra Independent Director Managing Partner of the Corporate,


Tax and Business Advisory Law
firm, Vaish Associates
PERFORMANCE IN
SHARE MARKET
• Volatality in Price – Less volatile than
market

• Growth in Share Price – 100% growth
Vs a market growth of 20% in the
last year

•  Future Performance of the Stock –
Bullish since it is looking to expand
beyond its mainly wholesale focus
COMPETITION
Last Price Market Cap. Net Interest Net Profit Total Assets
(In Rs) (Rs. cr.) Income(Rs. cr.) (Rs. cr.) (Rs. cr.)
ICICI Bank 928.70 103,592.65 25,706.93 4,024.98 363,399.71

HDFC Bank 2,100.60 96,562.63 16,172.91 2,948.69 183,270.78

Axis Bank 1,365.60 55,710.19 11,638.02 2,514.53 180,647.87

Kotak Mahindra 764.90 26,663.99 3,255.62 561.11 37,436.31

Yes Bank 292.00(9) 9,957.79(5) 2,369.71(7) 477.74(6) 36,382.50(5)

IndusInd Bank 202.70 8,319.92 2,706.99 350.31 35,369.52

Federal Bank 351.90 6,015.53 3,673.23 464.55 38,850.88

ING Vysya Bank 349.80 4,199.25 2,232.90 242.22 33,880.24

JK Bank 775.25 3,758.24 3,056.88 512.38 37,693.26

Karur Vysya 597.55 3,252.80 1,757.94 336.03 21,993.49


• Thank You