PRESENTED BY:NAMITA AGARWALSUMIT AGARWALA

NEHA JAINSARANATHAN 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

Ø ( )Infrastructure Banking Unit IBU

Ø & Structured Project Finance Unit

( & )SP F

Ø ( )Financial 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

ØSecuritizationØ Structured LiabilityProductsØ Debt SyndicationØ Leverage FinanceØ & Asset Tax basedstructures§

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

Ø Inspite of late entry the bank is growing at such a fast rate that it has drawn the attention of analysts

. all over the countryØØ The strategic goal of YES bank has been to build Yes

Bank into a “ ” One Bank for their customers. ØØ “The ” 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

Ø . The bank went public in June 2005 IPO was . oversubscribed 30 times

ØØ , Since its listing the stock has appreciated by 43

per cent . ØØ The valuation is still attractive considering the

growth prospects for a small bank with access to . resources such as itself

INTRODUCTION Assets 2006

2007 20082009 2010

Cash & Balances with RBI 88.17 389.76 959.24 1,277.72 1,995.31

Balance with Banks, Money at Call

127.41 903.08 668.33 644.99 677.94

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 43,953.92 101,835.50

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 Govt

0.00 0.00 0.00 0.00 59.61

• , ’ . % 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

ØMr. 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

ØLate 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

the Managing Director of Rabo India•

Board Of Director’sMr. 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 & Gamble, IndiaChairman - Investor Relations committee

Chairman - Service Excellence Committee

Mr. S.L Kapur Independent Director Former Secretary, Government of India, Department of Small Scale Industries & Agro and Rural Industries

Chairman - Audit & Compliance Committee

Chairman - Board Remuneration Committee

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 to a stronger retail presence

•

COMPETITION

Last Price(In Rs)

Market Cap.(Rs. cr.)

Net InterestIncome(Rs. cr.)

Net Profit(Rs. cr.)

Total Assets(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