Vision to become the ‘Finest Quality Bank of the World’ in India by 2020’
Target RoE : 22- 24%Target RoA : 1.5 – 1.75%
March 2015- On the road to becoming India’s Finest LARGE Bank
11,000+ employees“The Professionals’
Bank of India”
*-Stock take 31st March 2015
1,190 ATMs*
Deposit base -$14.22 billion*
Balance Sheet -$21.24 billion*
Advances -$11.78 billion *
630 Branches*
19 % *1.6 % *
Introduction to YES BANK
Welspun Neemuch –Largest solar PV Project
Power - 151 MW capacity• First bank to sanction facilities of
US$ 33 million• Electricity for 624,000 households• Offset 216,372 tons of CO2
emissions annually•Create livelihoods and provide services to BoP
Continuum Wind Energy (India) Private Limited (CWEIPL)
Power - 170 MW capacity• Part underwriter of term debt of
US$ 100 million• Generate 330 gigawatt hour of power
annually • Electricity for 300,000 people • Offset 270,000 tons of CO2
emissions annually
Proactive RE Investments
YES SAHAJ•Cost effective & scalable Mobile transaction solution—Micro-ATM model
YES LEAP•Credit, saving & insurance facilities to SHGs through NGOs acting as Business Correspondents of Bank
YES KISAN DAIRY PLUS•Instant payment services to milk vendors through the dairy acting as a BC
• Approximately 3.21 mnunique senders
• USD 0.6 bn worthtransactions in FY2014-15
•Brought financial services to rural households• USD 137 mn worth transactions in FY2014-15
•Extended Financial Inclusionto over 1.2 mn households• USD 4.22 mn in savings
linked SHGs & USD 102 mn in credit linked SHGs
•Immense scaling opportunity as 60% of farmers are using the instant payment services
IMPACT
YES MONEY•Remittance service for unbanked & under-banked population of India
Innovations at BOP
Inclusive and Social Banking
9
Server
Dairy Collection
Centre
Dairy Farmer
OTP sent to the farmer ‘s cell phone
Withdrawal transaction request
Credit confirmation SMS
GPRS Connectivity
Withdrawal SMS to customer
Business Correspondent
YES Sahaj –Micro ATM
Instant account credit Cash withdrawal from Micro ATM
OTP entry by the farmer
Diary account debited
andFarmer account credited
Farmer account debited, BC account credited
Card swipe Analyses milk and decides price
Pours milk
YES Kisan Dairy Plus
Innovations at BOP
10
Project2
Project3
Project1
Environmental &Social policy
Project 2
1st Indian Bank to launch Green Infrastructure Bonds to raise $156.22 million
1st Indian private Bank to commit to financing 5,000 MW of renewable energy projectsover the next 5 years
Facilitating Responsible Investments
Partnership with OPIC to increase lending to MSMEs in India of upto $220 million
Successfully raised $200 million Loan facility from the ADB to finance small farm households & rural women in SHGs
Evolution of Renewable Energy Financing at YES BANK
September 2014 –500 MW annually
January 2015 - 5 GW over next 5 years
February 2015 –US$156.22 mn Green bonds
In FY14-15, YES BANK achieved 1065 MW exposure to Renewable energy projects
Exclusion list as per ESP× Involving Harmful /exploitative forms
of forced labor/child labor × Breaching Host Country’s Laws and
Regulations Agreements/conventions to which the Host Country is a Signatory
× Production or Trade of Weapons/Munitions, Tobacco or Alcoholic Beverages
× Gambling, Casinos or Equivalent Enterprises× Production Trade of Radioactive Materials
including Nuclear Reactors and Unbonded Asbestos Fibers
× Trade of Logging Operations and Production and Trade in Wood & Other Forestry Products
× Activities Impinging on Land Owned/Claimed by Indigenous Without Consent
11
Going forward…
Global Environment Facility• Partnership for international
cooperation to address global environmental issues
• Provided $13.5 billion in grantsand leveraged $65 billion in co-financing for 3,900 projects in more than 165 developingcountries
Green Climate Fund• Will support projects,
programmes, policies and otheractivities in developing countries
• Mobilization of $10.2 billion to date and is intended to be thecentrepiece of efforts to raiseClimate Finance of $100 billion ayear by 2020
12Source: Rethinking finance in Circular Economy, ING Economics Department, May 2015
• Need to transition from Linear to circular financial economy• Can provides new business opportunities• Develop valuation and risk models that suit the characteristics of circular
business models• Identify the right incentives for all parties involved• Incorporate ‘Circular value’ of resources in the financial business case
Going forward…
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