Sunday, 5 May 2013

Yes Bank-Project Report on Job Satisfaction-Employee Retention Dissertation

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Company Profile

Yes Bank, India’s new age private sector Bank, is an outcome of the professional entrepreneurship of its 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 Industries of India”. YES BANK is the only Greenfield license awarded by the RBI in the last 14 years, associated with the finest pedigree investors. YES BANK has fructified into a “full service” commercial Bank that has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Business and Transaction Banking, Retail 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.

The Bank has adopted international best practices, the highest standards of service quality and operational 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.

Brand Pillars

The Yes Bank is being built around 4 key brands Pillars, which epitomize the growing strengths of the bank and all the communication and advertising has been created around these key Brand Pillars

Growth: Yes Bank core promise is growth, for its internal and external stakeholders symbolize in say yes to growth.

Trust: Yes Bank promoters, investors and Top Management team, are all of the highest pedigree with a demonstrated track record, thus inspiring and establishing a Trust Mark

Knowledge Driven Human Capital: Bank has adopted a knowledge driven entrepreneurial approach to Banking and offers Financial Solutions beyond the traditional realm of banking. Yes Banks top quality Human Capital represents the finest talents in Indian Banking mobilized from India and abroad.

Bank is establishing the highest standards in customer service by adopting cutting edge  innovative technology. The only thing constant about Yes Bank’s technology is Evolution.

Company Insights

Steady growth in Advances and Deposits
Total Business grew by 25.85% yoy to Rs. 285,720 million from Rs. 227,030 million as at Mar 31, 2008. Total Advances grew by 31.5% yoy to Rs.124,030 million from Rs. 94,300 million as at Mar 31, 2008. Wholesale Banking advances constitute 63.5%, Commercial Banking 29.2%, Business Banking (SME) 6.2% and Retail advances (including Small Business Loans) constitute 1.1% of the Bank’s total Non-PSL advances excluding Priority Sector Lending (PSL) as at Mar 31, 2009.

Total Deposits grew by 21.8% yoy to Rs.161,690 million from Rs.132,730 million as at Mar 31, 2008. Current and Savings Account deposits grew by 25.1% while Term Deposits grew by 21.5% yoy. The Bank’s Balance Sheet grew by 34.8% yoy to Rs.229,010 million from Rs.169,820 million as at Mar 31, 2008.

SKS Microfinance concludes Rs 1 bn securitization deal

SKS Microfinance, India`s largest and world`s fastest growing microfinance institution, has recently completed a unique securitization deal worth Rs 1 billion with Yes Bank. The transaction the first securitization deal in India to get CRISIL`s highest safety rating - allows the bank to purchase 1, 48,950 micro loans extended to unbanked SC, ST and minorities families identified by the RBI as weaker sections and hence a priority.

Provides Innovative Financial solutions to Microfinance Institutions (MFI)

Yes Bank, India's new age private sector Bank, provides a series of innovative structured transactions for the Microfinance industry (MFI) in India. These transactions cumulatively amount to more than Rs 190 crores spread across three leading Microfinance Institutions (MFIs) and covering more than 400,000 micro borrowers from the bottom of the pyramid. Some of these financial transactions include issuance of Commercial Paper and Non- Convertible Debenture; have been executed for the First Time not only in India but also worldwide.

Underwrites series A1 PTCs worth Rs 125.5 Million originated by Equitas Microfinance
India Private Limited

Yes Bank, India's upcoming microfinance Banker, has fully underwritten Rs 125.5 million of rated Pass through Certificates issued by IFMR Trust Pioneer 1, the Special Purpose Vehicle (SPV) floated for the purpose. The underlying portfolio consists of microloans originated by Equitas Microfinance India Private Limited, a Chennai based Microfinance Institution (MFI) and has a final maturity of October 2010. The series A1 PTCs are rated AA by CRISIL and credit enhanced by IFMR Capital.

Raising of Rs 154 crores of Perpetual Tier I Capital
Yes Bank has successfully raised Rs 154 crores of Perpetual Tier I Capital through private placement issue of unsecured, non-convertible, subordinated bonds in the nature of promissory notes. The issuance was rated ‘LA+’ by ICRA &’A+’ by CARE and is the First Tier I Perpetual Bond transaction in FY 2008-09 by any Indian Private Sector Bank in the Indian Domestic markets.

Subscribes CPs worth Rs 250 mn of SKS Microfinance
SKS Microfinance, India`s largest and world`s fastest growing microfinance institution, has issued commercial papers worth Rs.250 million rated as PR1 by CARE to Yes Bank and this makes SKS Microfinance the first company in the world to issue commercial papers (CP).

Unveils “Bank Branch of the Future”
Yes Bank has a focus on innovative banking solutions, unveiled the first of its kind, 'Bank Branch of the Future' at its South Extension Branch in New Delhi. The Bank Branch of the Future aims to transform retail branches from simple transaction outlets to 'Service Oriented Advisory Centers' thus shifting the focus from providing vanilla transactions to high-end value added services through the innovative use of technology and futuristic branch design.

Key Concerns

• The Banking industry is very competitive and the ability of banks to grow depends on their
ability to compete effectively.

• Banking in India is a heavily regulated industry and material changes in the regulations could
adversely affect Banks business.

• Exchange rate fluctuations may have an impact on banks financial performance.

• A slowdown in economic growth in India could cause banks business to suffer.

• The introduction of technology in banking operations has also imposed greater responsibility
to protect against various information security threats and to ensure wider assurance of
safeguard of the interest of customers.

• Implementation of Basel II requires higher capital.

Project Report on Yes Bank-Job Satisfaction-Employee Retention
Charts of Yes Bank showing Financial Analysis

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