Our Philosophy - About YES BANK Page 1 of 2

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Our Philosophy
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About YES BANK:
Key Management
Technology Edge YES BANK, India's new age private sector Bank, is an outcome of the professional entrepreneurship of its
Brand Vision & Strategy Founder, Rana Kapoor and his highly competent top management team, to establish a high quality, customer
centric, service driven, private Indian Bank catering to the "Future Businesses of India". YES BANK is the
Corporate Governance only Greenfield license awarded by the RBI in the last 15 years, associated with the finest pedigree investors.
Responsible Banking 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,
Awards & Recognition Business and Transaction Banking, and Wealth Management business lines across the country, and is
The YES Money Plant well equipped to offer a range of products and services to corporate and retail customers.
Investor Relations
The Bank has adopted international best practices, the highest standards of service quality and operational
Banking Pratices Code
excellence, with innovative state-of-the-art technology, and offers comprehensive banking and financial
solutions to all its valued customers. A key strength and differentiating feature of YES BANK is its knowledge
driven approach, which goes beyond the traditional realm of banking, and helps adoption of a diagnostic and
prescriptive approach towards superior product structuring.

At YES BANK, we are committed to supporting the sustainable growth and development of sunrise sectors
in the country, by facilitating overall growth through strategic knowledge initiatives. YES BANK has formed a
specialized 'Development and Knowledge Banking Division' focusing on key growth sectors like
Infrastructure, Food & Agribusiness, Telecommunications, Information Technology, Lifesciences,
Infrastructure, Renewable Energy, Media & Entertainment, Manufacturing and Textiles, among others. YES
BANK's unique knowledge driven sectoral approach provides industry specific financial solutions which
facilitate superior structuring and tailored financial solutions. Based on efficient product delivery, industry
benchmarked service levels, and strong client orientation, YES BANK already services a number of leading
companies in India.

YES BANK has a vision to champion 'Responsible Banking' in India where the concepts of Corporate Social
Responsibility and Sustainability are embedded in the DNA of the organization and integrated in its Business
Focus. YES BANK is committed to adding long term value to society, to differentiate itself in the marketplace
based on a strong 'sustainability mandate' and to build in flexibility and openness as part of its core strategy.
The Bank has engaged with global thought leadership forums like the Clinton Global Initiative (CGI), Triple
Bottom Line Investing (TBLI) and Tallberg Forum. YES BANK has recently become the first Indian Bank to
become a signatory to the United Nations Global Compact. YES BANK has also launched YES SAMPANN,
a microfinance initiative of the Bank focused on developing a pioneering strategy of Direct Intervention for the
microfinance domain in collaboration with ACCION International, USA.

YES BANK has invested in the best IT systems and practices in order to make its technology platform a
strategic business tool for building a competitive advantage. The Bank has outsourced a significant part of its
technology, infrastructure and hardware requirements, which has enabled the Bank to achieve high
standards of customer service at comparatively lower cost structures. YES BANK is committed to executing
a concerted strategy by continuously launching innovative and secure banking channels to enhance customer
satisfaction and increase focus on providing convenience and choice to our clients. The Bank has partnered
Obopay USA, to launch secure mobile payment solutions for the first time in India.

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.

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Our Philosophy - About YES BANK Page 2 of 2

Financial Trust

The vast banking experience of Founder, Rana Kapoor, has been strengthened by the financial support
of Rabobank Netherlands, a AAA rated private Bank, and respected global institutional investors like
Orient Global, Rabobank, Franklin Templeton, AIF Capital, Swiss Re, Khazanah Nasional, Fidelity
amongst others to provide YES BANK a strong foundation of enduring financial trust.

Human Capital

At YES BANK, we look to offer comprehensive banking and financial solutions. Which is why, we have
inducted top quality Human Capital across all our banking functions, including Corporate & Institutional
Banking, Financial Markets, Investment Banking, Business & Transactional Banking and Retail Banking &
Wealth Management.

Knowledge Banking

Our differentiated view of banking as a knowledge-based industry has ensured that our Bankers are also
industry experts in sectors like Food & Agribusiness, Life Sciences, Telecommunications, Media &
Technology, Infrastructure, Retailing & Textiles and Select Engineering. These Knowledge Bankers offer
invaluable and in-depth insights into these sectors, thereby helping our clients to develop great ideas and
nurture them to fruition.

Technology Edge

Technology is another key differentiator at YES BANK. Our alliances with best-of-breed technology
partners ensure proactive, on-demand support to meet our growth requirements, as well as the
continuous development of our systems infrastructure and delivery channels.

Corporate Governance

Our foundations have been inscribed with stringent Corporate Governance measures, whereby
transparency, disclosure norms and accountability have paramount importance, in order to safeguard the
trust and wealth of each and every stakeholder and customer.

Responsible Banking

Our commitment extends further, from our customers, investors, stakeholders and employees to society
at large. By focusing on sustainability and corporate social responsibility, we aspire to be a role model
institution in Responsible Banking.

Growth

Indeed, at YES BANK, we look to partner the growth of our clients, while they gain from leveraging our
financial expertise, thereby enabling us to accomplish our mission of “Creating and Sharing Value”.

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