Human Capital YES BANK pursues a strong Employee Value Proposition of Creating & Sharing Value with a vision

to build an organisation driven by Professional Entrepreneurship, where all YES BANKers truly partner to direct, manage and accelerate the development of YES BANK as the Young and Dynamic Bank of Emerging India. YES BANK recognizes that the only real source of sustainable competitive advantage for an organization is the power of its High Quality Human Capital. Therefore, we foster a leadership mindset that embraces meritocracy as a vital force to reward performance and exceptional competency. Our Objectives To build a strong employer brand. To attain a preferred employer status in the Banking and Financial Services industry. To ensure that the Bank is able to attract, engage and retain high quality human capital for its longterm success. Our Focus The focus of the Human Capital function at YES BANK is to build a world-class team based on professional recruitment methodologies to attract the best talent in the industry. While our immediate hiring has primarily been lateral, to bring the relevant skills, competencies and experience into the organization, our focus is on building the requisite talent bench strength to support the business plans of the Bank. We are making a concerted effort towards building learning and development solutions that continuously enhance employee value, in line with the growth plans of the Bank. Our Culture & Processes Building a high performance culture is another key prerogative of the HCM function. We envisage a credible and transparent performance management process that helps in aligning individual goals with corporate objectives, both quantitative and qualitative, and encourages cross sell and team spirit. Our performance management process is supported by a robust rewards and recognition strategy for each business and a market based compensation structure that is flexible, responsive and helps retention through asset building and wealth creation for top performers. Our Promoters believe that a broad employee ownership of the shares of the company has a positive impact on performance. Therefore, our stock option scheme covers a large cross-section of our employees. The HCM function at YES BANK is working closely with leading international consultants, including Hewitt and Korn Ferry,to operationalize this strategy and ensure that the organizational architecture of the Bank is operational and adequately supports its business plans.

About YES BANK YES BANK is a state-of-the-art high quality, customer centric, service driven, private Indian Bank catering to the Future Businesses of India , and is an outcome of the professional & entrepreneurial commitment of Rana Kapoor, Founder, Managing Director & CEO. As the Professionals Bank of India, YES BANK has exemplified creating and sharing value for all its stakeholders, and has created a differentiated Banking Paradigm. Since inception, YES BANK has tried to play a catalytic role in bridging the infrastructure and knowledge gap in various Sunrise sectors of the economy. As part of the differentiated strategy, YES BANK has had a strong focus on Development Banking, as is evident from the cutting-edge work that the Bank has done in the area of Food & Agribusiness, Infrastructure, Microfinance, and Sustainability which in most cases has been first-of-its kind in India. Our focus on Governance and Good Corporate Citizenship, actualized through YES BANKs Responsible Banking approach, stands evidence to YES BANKs strategic vision. Since inception in 2004, YES BANK has fructified into a Full Service Commercial Bank that has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country, and is well equipped to offer a range of products and services to corporate and retail customers. YES BANK offers a full-range of client-focused corporate banking services, including working capital finance, specialized corporate finance, trade and transactional services, treasury risk management services, investment banking solutions and liquidity management solutions among others to a highly focused client base. The Bank also has a widespread branch network of over 264 branches across 180 cities, with over 275 ATM's and 2 National Operating Centres in Mumbai and Gurgaon. Since inception, YES BANK has adopted innovative and creative technologies that facilitate robust systems and processes and facilitate in the delivery of world-class banking solutions that significantly improve the business and financial efficiency of our clients. YES BANK has been recognized amongst the Top and the Fastest Growing Bank in various Indian Banking League Tables by prestigious media houses and Global Advisory Firms, and has received national and international honours for our various Businesses including Corporate Finance, Investment Banking, Treasury, Transaction Banking, and Sustainable practices through Responsible Banking. The Bank has received several recognitions for our world-class IT infrastructure, and payments solutions, as well as excellence in Human Capital. The sustained growth of YES BANK is based on the key pillars of Growth, Trust, Technology, Human Capital, Transparency and Responsible Banking. YES BANK is committed towards building the Best Quality Bank of the World in India resting on the strengths of its six key pillars and differentiation built through exemplary Customer Service, to ensure that it provides the finest Banking Experience to its customers. The YES Money Plant The money plant, Scindapsus Aureus, derives its name from the Roman word Aureus which means 'gold coin'. It is believed that the money plant brings wealth and happiness, and is most effective when shared with others. YES BANK has been conceived in much the same spirit. We believe in adopting a focused, knowledgebased approach to establish long-term partnerships. Thereby enabling us to 'create and share value' that extends beyond the traditional realm of banking. A perennial climber, the money plant is characterized by growth. It is our endeavour to partner the growth of our clients, while they gain from our expertise. Since inception in 2004, we have sent over 350,000 money plants to our valued customers across India. '

Corporate Banking We, at YES BANK, provide our corporate clients with a complete suite of Investment and Banking services both in India and internationally, in collaboration with our financial partners. Our experienced Senior Relationship Managers have significant understanding of the dynamic financial requirements of our Large Indian Corporate & MNC clients, and are adequately supported by our Knowledge Bankers, who provide highly specialized, industry-specific solutions for your business. Branch Banking YES BANK provides you a holistic banking experience. You have the opportunity to be served through an extensive branch network, comprising of over 264 branches across 180 locations in India as well as over 275 ATMs. YES BANK will continue to expand its branch presence in line with its strategy of building the highest quality branch network covering major cities and towns across India to service your needs at any location in the country. When you bank with us you get A truly high quality customer centric offering and service Access to YES BANKs state-of-the-art branch network Banking services equipped with cutting-edge technology and much more The Banks retail branches are specially designed to make your banking experience hassle free and convenient through Aesthetic Design Premium High Street Locations World class design standards to ensure smoother and convenient customer engagement High accessibility with touch points to facilitate warmth, coherent communication and a consistent customer experience Under the aegis of Branch Banking, we offer innovative financial products that include : Savings Accounts with multiple variants designed to suit an individuals banking needs Current Accounts with innovative & flexible features to suit business requirements, including Trade, Forex & Cash Management Solutions Non-resident Accounts with multiple variants for the Global Indian Fixed Deposits offering best in class interest rates. Smart Salary Accounts: An innovative Corporate Salary Programme, backed by superior technology that enables convenience and direct access.

Groth and performance New Delhi: Founded by Rana Kapoor, Yes Bank is the newest private sector bank in India and it has risen to occupy Indias No. 3 Bank in a recent survey of listed banks in India by a leading business publication. The balance sheet of Yes Bank has bloated to a whopping Rs.13,000 crore in just a span of three years.

Rana Kapoor summarizes the mission of Yes Bank, "Our mission is to build the finest quality brand in banking." Targeting a growth of about 70 to 90 percent over the next three years, Yes Bank is planning to raise Rs. 500 crores in 2007-2008 to fund its tier-1 growth. Yes Bank presently has 60 branches and it is all set to expand its network to 100 branches by March 2008. In this process it has received licences from RBI to open 56 new branches and 200 ATM's. Yes Bank is planning a cluster- hub model for its growth. It has identified eight regions, with each region having around 40 clusters. There will be a hub branch acting as the main branch for every cluster. This business model will help Yes Bank to make the most of its network both at technological and operational level. Each cluster will cater to the needs of local populace. In the retail loan segment, Yes Bank has launched personal and small business loans in nine cities on pilot basis and is gradually increasing its coverage. Yes Bank is also planning to enter the mortgage market and auto loans by April 2008. In the second half of 2008-09, when the customer base of Yes Bank is expected to reach a figure of 5 lakhs, it will venture into the credit card segment. Motivated and well trained staff at every level is a thing, which can't be overlooked and Yes School of Banking has been established to provide proper training and management of human resources at Yes Bank. Today, Yes Bank has its presence across all major cities in India and offers a wide range of banking products and financial services, which include corporate and institutional banking, investment banking, financial markets, business and transactional banking, retail and private banking across the country. RupeeTimes editorial has decided to add Yes Bank products and services to its comparison and calculator section.

Conclution

At just 123 branches, 2000 odd employees, and sub-100 crore quarterly profit levels, Yes Bank is one of Indias smallest banks in all categories taken together traditional private banks, new generation private banks, and public sector banks (PSBs). But Yes Bank has made good progress in certain niche areas like corporate lending to the countrys medium to large enterprises, since its start in 2004. Driven by a massive advertising campaign, Yes Bank projects a profile that is much ahead of many of Indias private sector banks, but size-wise it is smaller than most small private banks of India like Federal Bank, South Indian Bank, ING Vysya Bank, Dhanalakshmi Bank, IndusInd Bank, and even Catholic Syrian Bank. However, Yes Bank always has the consolation that it is the only Greenfield banking project in India during the past several years. Has Yes Bank got what it takes to be a key player in Indias private sector banking? Comparing to the

The year 2010-2011 has demonstrated an impressive financial perfomance with the last quarter profit crossing INR 200 crore for the first time in YES BANKs history. You will be pleased to know that YES BANK is now the Fourth Largest Private Sector Bank in our country. We have achieved this steady growth trajectory across all business segments, thereby further enhancing our unique financial and business model, which emphasizes on value addition and superior, high quality service. As we aspire further towards building the Best Quality Bank of the World in India, I am pleased to report to you that YES BANK has successfully completed the first year of Version 2.0 (2010-2015), which is truly the most stimulating phase in your Banks lifecycle. With current

Branches at 214 across 164 cities pan India, and our distribution network rapidly expanding, we will be able to further accelerate growth across Commercial Banking and Branch- Retail Banking business segments with an inherent focus on garnering branch driven retail- SME liabilities.