CORPORATE PROFILE:Yes Bank is India's fifth largest private sector Bank, founded byRana Kapoorin 2004 Yes Bank is the only Greenfield Bank license awarded by the RBI in the last two decades. Yes Bank is a Full Service Commercial Bank, has steadily built a Corporate, Retail & SME Banking franchise, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country.Yes Bank Ltd is engaged in providing a range of banking and financial services. The Bank operates in four segments: Treasury, Corporate / Wholesale Banking, Retail Banking and Other Banking Operations. The Treasury segment includes investments, all financial markets activities undertaken on behalf of the Bank's customers, trading, maintenance of reserve requirements and resource mobilization from other Banks and financial institutions. The Corporate / Wholesale Banking segment includes lending, deposit taking and other services offered to corporate customers. The Retail Banking segment includes lending, deposit taking and other services offered to retail customers. The Other Banking Operations segment includes para banking activities, such as third-party product distribution and merchant banking. Yes Bank Ltd was incorporated on November 21, 2003. The company was founded by Rana Kapoor. The Bank obtained their certificate of commencement of business on January 21, 2004. In the year 2005, they forayed into retail banking with launch of International Gold and Silver debit card in partnership with MasterCard International. In June 2005, they came out with the public issue and their shares were listed on the stock exchanges. In December 2005, the Bank bagged Corporate Dossier award from Economic Times. In the year 2006, the Bank received Financial Express Awards for India's Best Banks. In April 2007, they made a tie-up with the Agriculture Insurance Company of India (AIC). The Bank was ranked as the No 1 Emerging Markets Sustainable Bank of the Year-Asia at the FT/IFC Washington Sustainable Banking Awards, 2008 in London. The Bank was ranked as the No 1 Bank in the Business Today-KPMG Best Banks Annual Survey, 2008. During the year 2008-09, the Bank opened 50 new branches and 18 new off-site ATMs. During the year 2009-10, the Bank opened 33 new branches. They opened 64 Branches during the year 2010-11. As of March 31, 2011, they operated 214 branches across 164 cities in India, and approximately 250 automated teller machines (ATMs). At the beginning of Financial Year 2010-11, the Bank embarked on an ambitious journey into the next phase of growth and launched YES BANK - VERSION 2.0, Building the Best Quality Bank of the World in India. Version 2.0 is clearly the most stimulating phase in the life cycle of YES BANK with a vision of establishing 750 branches, 3000 ATMs, 12,000 employees, Rs 125,000 Cr. Deposit base, Rs 100,000 Cr. Loan book and a Rs 150,000 Cr.Financial performanceYes bank performance in the Q3FY15 Financial Results: Net Profit grew by 30.0% y-o-y to Rs 540.3 Cr in Q3FY15, Net Interest Income up 36.6% to Rs 909.0 Cr, Non Interest Income of Rs 536.8 Cr, Net Interest Margin expanded to 3.2%, Advances up 32.4% to Rs 66,606.9 Cr and Deposits up 21.0% to Rs 82,370.0 Cr as of Dec 31, 2014. In FY2015, the Bank has so far raised US$ 500 Mn Equity through QIP and Long term Funding of US$ 422 Mn through Dual Currency Syndicated Facility and US$ 200 Mn from Asian Development Bank aggregating to approximately US$ 1.2 Bn. CASA Ratio improves steadily to 22.6% from 20.9% a year ago. SA deposits grew by 42.8% y-o-y.PRODUCT AND SERVICES: Corporate and Institutional Banking-The Corporate & Institutional Banking (C&IB) division at Yes Bank contribute a major part of the bank with a turnover of over INR 1,000 crores. Investment Banking-Yes Bank's is a major player in Investment Banking in India and is involved in the identification, structuring and execution of transactions for its clients in diverse industries and geographies. Some of the typical transactions include mergers & acquisitions, divestitures, private equity syndication and IPO advisory. Retail Banking-Yes bank has banking network of over 600 branches and 2000 ATMs giving it a major presence in urban India. Yes bank is one of the fastest growing private bank in India. Financial Marketing-The Financial Markets (FM) business model provides Risk Management solutions related to foreign currency and interest rate exposures of clients.Sources of Yes Bank:There are four channels of Yes bank: Branches Builder tie-up Loan counselor tie-up Cold Calling

Branches: Yes bank provides an all inclusive banking experience through an extensive branch banking network. Through these extensive branches banking network, they generally tap the walk-in customers. So branch is one of the sources of yes bank to tap the customers for their loan. Sometimes their sales team goes outside and gets the customers for the yes bank loan.Builder tie-up: Generally, Yes bank also has a builder tie up in which bank regularly visit to the customers for maintaining a good relationship with the builders. So that builders can give referral of their bank to the customer for home loan. For this, the bank also provides them commission of 0.3%.Loan counselor tie-up: In this, Yes bank tie-up with the CA, property broker (who deal in renting the property) and maintain a good relationship with them so that they give referral of their bank to their customers. Generally, bank provides them commission of 0.1% to 0.5%.Cold Calling: In this, Yes bank calls to the customers once or twice in a month to give information about their loan benefits. For this, yes bank generally recruit people so that they can do cold calling for their bank. In cold calling, the employee tells the bank products and services to the customers so that customers dont go to other bank.The turnaround time of Yes bank is 15 days.Generally, Yes bank also has a fastrack process in which they do the process of sanction and disbursement in 7-8 days.

Sanctioning Process of Yes bank: Yes bank has divided their loan into two parts: Secured Loan Unsecured LoanSecured loan consists of Property loan, Gold loan, Plot loan, Securities loan etc.LoanFunding

Home loan80% funding

Car loan80%-90% funding

Gold loan70%-80% funding

The tenure for home loan is 1-30 years and for car loan is 7yearsUnsecured Loan consists of Personal loan, Business loan, loan taken by salaried person etc. In this Yes bank hardly do funding of 4 to 5 lakhs. The tenure for personal loan is 5-7 years. Loan Sanction procedure:The yes bank has divided the loan sanction procedure in different stages which is as followsStage 1) File sourcing and File login: This is the first stage of loan sanction procedure of yes bank which starts with collecting the file from the sources and start login that file. The file login means taking the important documents from the customer to start the sanction procedure. The documents which are needed or which are taken by the yes bank from the customer are as follows. For salaried person:1) Proof of income: Last three month bank statement, form 16/last one year ITR.2) Age proof3) Address proof4) Identification proof5) Employment details: If Customer Company is not well-known, then a short summary about the nature of the company, its business lines, its main customers, its competitors, number of offices,number of employees, turnover, profit, etc may be needed. Usually, the company profile that is available on the standard website of the company is enough.\For Self Employed Person: Bank statement for the last one year from operating account. Income Tax Return / Computation of Total Income / Auditors Report / Balance Sheet / Profit & Loss Account certified by Chartered Accountant for last 3 years. Repayment Track record of existing loans / Loan closure letter Board Resolution in case of a company Proof of existence Office Address Proof Photo Identity Proof, Residence Address Proof, Signature Verification Statement for all the main partners / directors. Business slip from Nagar Palika.Stage 2) Online tracing of ID: This is the third stage of sanctioning of loan procedure of yes bank in which bank do the online verification which is also called cibil enquiry. In this enquiry customer get the full information of customers i.e. the loan taken by him/her last time, the amount of loan taken by him/her last time etc. This is very important stage in loan sanctioning because from this enquiry only the bank gets to know that they have to give loan to the customer or not.Stage 3) Field Investigation: This is the third stage of loan sanction procedure in which