Nitin Puri

President & Country Head- FARM

YES BANK LIMITED, India

INTERNATIONAL BANKING FORUM 2015

Brescia, 11-12 June 2015

FOSTERING THE

FOOD VALUE CHAIN IN INDIA

2 2 6/8/2015

India’s 5th largest private sector bank with presence of 630+ Branches and 1190+ ATMs across all 29 States and & Union Territories

3 3

3

Knowledge Banking approach with execution focused management; technology a key enabler Strategy

YES BANK – India’s New Age Private Sector Bank

Corporate & Institutional Banking Relationship

• The only ‘Greenfield’ BANK to be set up in the last 20 years in India.

• Conceived with a vision to create a high-quality, customer-centric,

service-oriented and knowledge-driven financial institution catering

to the ‘Future Businesses of India’.

• The Bank has now fructified into a ‘Full Service Commercial Bank’ that

has steadily built Corporate, SME, Retail and Advisory businesses

across the country

• ‘Professionals Bank of India’ boasting of some of the finest Human

Capital

• Unique Approach to Technology Outsourced model enhancing

scalability

• Knowledge based approach to Banking

BALANCE SHEET

INR` 1361.7 Billion

TOTAL BRANCHES

630 across India

TOTAL EMPLOYEES

10819

ONLY GREENFIELD BANK

SET UP IN LAST DECADE

COMPLETE SUITE OF FINANCIAL PRODUCTS

Commercial Banking Branch Banking (Retail & SME)

“Full Service Commercial Bank” with a pan India presence

Won IMC Ramkrishna Bajaj National Quality

Award 2013

Complete array of Corporate and Retail products with exclusive relationship teams for MNC, corporates, SME clients etc

4 4

4

TOTAL ASSETS

` 1,361Bn

24.9%

SHAREHOLDERS’ FUNDS

64.0%

` 116 Bn.

DEPOSITS

22.9%

` 911,Bn.

ADVANCES

35.8%

` 755 Bn.

CUSTOMER ASSETS

25.1%

` 871 Bn.

0.12%

0.41%

Balance Sheet Highlights as on 31st March, 2015 (INR)

5 5

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

0.00%

0.10%

0.20%

0.30%

0.40%

0.50%

0.60%

Gross NPA % (LHS) Net NPA % (LHS) Quarterly Growth Rate of Real GDP, India (RHS)

-

200

400

600

800

1,000

1,200

1,400

1,600

Advances Deposits Total assets

Sustained Balance Sheet growth with preservation of Asset Quality: Mar 2009 – Mar 2015

YES BANK has maintained stable growth of advances & deposits while maintaining best in class asset quality

GDP Growth Data for India (y-o-y is taken from CIC database) GDP growth data for Q4FY15 is based on estimates

6 6

Successfully raised USD 422 Million by way of Dual Currency Multi-

tenor Syndicated Loan Facility

The said facility shall be utilized for general corporate purposes.

The facility has a maturity of 1, 2 and 3 years.

The loan has been widely distributed, with commitments being

received from 21 banks, representing 14 countries across the

US, Europe, Africa, the Middle East, Japan, Taiwan and

Australia

A significant commitment from global banks, reinforcing our

differentiated business and financial model

Completed allotment of USD 500 Million for Global Qualified

Institutions Placement (Global QIP)

The allotment of shares was done across 114 investors at ` 550

per share

The issue was oversubscribed over five times, generating an

aggregate worldwide demand of USD 2.5 Billion from marquee

institutional investors across USA, Europe, Asia and India.

7 7

7

Responsible Banking Transparency

Knowledge

Financial Trust

Technology Growth

• Driven through Knowledge, Innovation & Technology

• Brand with a heart and soul: Strongly instilled values of Trust, Transparency & Responsible Banking

• Bank is highly process oriented and system driven with regulatory compliant

YES Bank: Key Strengths

8 8 8

Indian Agriculture

9 9

Indian Macro – Picking up the Growth Trail

India – Climbing

up the Global

Ladder

As per the IMF, India is expected to be one of the fastest growing major economies

In April 2015, Moody’s upgraded India’s sovereign rating outlook to ‘Positive’ from ‘Stable’

Indian rupee was one of the most stable despite substantial weakness in non-dollar currencies in

2014

Positive Underlying Parameters in FY15

Expected GDP growth at 7.4%. Further 7.8% in

FY16

CPI Inflation declined to 6%

(Further 5.5% in FY16)

CAD expected to moderate to 1.3% of GDP (Further 1.0% in FY16)

Fiscal Deficit

moderated

further to 3.9%

Expected growth

in Public

expenditure of

25.5% in FY16

Government Push in the right Direction

“Minimum Government – Maximum Governance”

Ease Of Doing

Business

Transparent

auction of

Coal Mines

and Telecom

Spectrum

Increase in FDI

Limits in

Insurance

Sector (to

49%), Defense

( to 49%) and

Railway Infra

(to 100%)

Passage of

Coal Bill etc

Infrastructure

Push

Focus area in

FY16 Union

Budget

Primary focus

on Roads &

railways

Prospective

100 Smart

cities

development

Other Reforms

Rolling out of

GST from April

2016

Fiscal

Federalism

leading to

healthy

competition

among states

Monetary

Policy

committee to

formalize

Monetary

Policy

decision

making

10 10

Indian Economy on a Stronger Footing

2

4

6

8

10

20

08

20

09

20

10

20

11

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20

China

India

Emerging & developing economies

Source: IMF

According to IMF, by 2019 India’s output will

exceed the combined output of the three next

largest emerging market economies—

Russia, Brazil, and Indonesia

India - Bright spot in cloudy Global Horizon

Turnaround in macro fundamentals in two years India to emerge as a fastest growing

economy

CAD/GDP ratio at 0.9% is expected to be

lowest since FY 05

CAD has reduced by USD 68 bn in span of

three years

External Sector Strength

• Retail inflation has halved to 5.17% in less

than three years

• RBI’s Jan-16 6% target to be undershot by

50 bps

Inflation concerns fast Waning

FD/GDP ratio to be lowest since FY 08

Based on principle of federalism

Capital expenditure budgeted to grow by 25.5% in

FY16- highest since FY11

Fiscal Consolidation with Quality Spending

6.9

1.7

9.5

4.4

8.2

0.9

5.5

3.9

0

2

4

6

8

10

GDP CAD (% GDP) Inflation Fiscal deficit (% GDP)

FY14

FY16 (E)

11 11

Drivers of Growth in Indian Agriculture

Steady population growth likely to continue

Millions

860

1,1861,415

1990 2008 2020

1.5%

1.8%

Rapid urbanization – Fast changing spending habits

Source: DES, UN DESA (2005)

Economic growth likely to result in high disposable Income

Source: World Bank country profile 2008

Likely to remain the youngest nation for the next 20 years

Source: Statistics outline of India

12 12

Largest producer of cereals; Marketed

surplus: 60%

Largest producer of milk

Largest livestock population

Second largest F&V producer at lowest cost Marketed Surplus:88%

Among top 5 producers of

groundnut, tea, coffee, tobacco, spices, sugar &

oilseeds

20 agro-climatic

zones

46 of 60 soil types- Biodiversity

All 15 major climates exist in India

52% cultivable land (against 11% world

average)

Round the year cultivation possible-

ideally suited sunshine hours &

day length

Supply side strengths of Indian agriculture Structural Supply Chain Inefficiencies

Indian agriculture – A snapshot

Farm Production

Fragmented Land holdings; low productivity; seasonality & peak arrivals

Poor market orientation

Low marketable surplus; quality ??

Post Harvest Handling

Marketing Infrastructure

Marketing System

Logistics

Processing

Unscientific handling

Rudimentary packaging

Lack of quality standards

Inadequate infrastructure at Mandis

Lack of transparent price discovery

Lack of scientific weighment / grading

Price Discovery & Infrastructure

High intermediation

No structured law for contract farming

High level of intermediation

Highly fragmented industry

Lack of integrated cold chain network

Inadequate warehousing

Dominated by small scale players

Poor backward and forward linkage

No control on quality and quantity

13 13

Farmgate Village Level

Mandi Ex-Mandi Trading Houses

Warehousing

STAKEHOLDERS

Farmers

Farmers Collective

Unregistered Commission Agents

Village Level Consolidators

Registered Commission Agent

Local Traders

Local Traders

Brokers

Local Processors

Indian Corporates

MNC trading Houses Local Processors

CWC

SWC PVT WH

NUMBER OF PARTICIPANTS LOW HIGH

Farmer Buying Trade Houses

Local Traders /Agents/VLC

Corporates/Local Processors

Typical Agri Value Chain in India

14 14

Typical Bottlenecks in Agri (Value chain) Financing

Lack of agri-finance expertise & appetite in banks

Weak organization of farmers / cooperatives

Weak repayment discipline / cash diversion

Inadequate security

High transaction cost / low processing efficiency

Lack of efficient warehouse receipts system

Political interference / price distortions

Weather risk / lack of irrigation / lack of crop insurance

High seasonality with inadequate safeguards

Corporate farmers Cash crop farmers Subsistence farmers

Numbers of farmers Production Export

Hence innovative approach needed to segment and finance the agri value chain in India

Non-bankable

15 15 15

Agri Value Chain Financing:

The Knowledge Banking Approach

16 16 16

YBL is responsive to the needs of a changing INDIA; and addresses the life cycle banking needs of agri corporates

YBL has played a key role in financing farmer groups to large scale agri-infrastructure from inception till date

MIS farmers finance Sleaford UK acquisition

Naan Daan acquisition Corporate finance

EPC irrigation acquisition

Corporate finance

Group overall finance requirement program

Packhouse funding; pulses farmers financing

17 17 17

OUR OFFERING IN AGRI VALUE CHAIN

FASAR ( Advisory & Research)

ARB ( Priority Sector Lending, commodity management)

ISB ( Inclusive ‘last mile’ reach)

IB ( Investment Banking- M&A ; fund raising; IPO)

CF (Agri Infra – Silos; warehousing , cold storage)

Asset Liability Trade Products Others

Project Finance

Short, Long & Medium Term Loans

Underwriting: full & partial

Refinancing Syndication ECA /ECB Securitization

Working Capital

Cash Credit

Over Draft

Facility

Warehouse

Receipt Finance

Structured

Financing

Cross Border

Debt Financing

Current Account

Saving Account

Smart Saver

Account

Fixed Deposit

Wealth

Management &

Advisory

Letter of Credit-

Capex LC, SBLC

Bank Guarantee-

PBG, FBG

Vendor Bill

Discounting

Order Invoice

Pre & post

Shipment

Finance

Trade Advisory

Services

Buyers Credit

Suppliers Credit

TRA / Escrow

Agent

Cash

Management

Services

Facility Agent

Investment

Banking

Strategic Partner

Advisory

Demat Account

Authorized

Dealer

Advisory

Investment

Banking

18 18

From Project conceptualization to Financial Closure

6/8/2015

Knowledge Driven

Approach

Experience in F&A Space

Quality Professionals

Client Focus with multiple

product offering

Institutional Tie-ups

Deep understanding of best practices in

F&A advisory, due diligence, project structuring and

finance

Efficient Transaction Process – for faster

execution

MoUs and working relationships with

leading Domestic & International F&A institutions and

Banks to complement our offerings

Sector Specialists comprising of CAs,

MBAs and agri graduates with vast Banking and F&A

industry experience

In-house Knowledge Managers with

relevant educational background, in-

depth knowledge & industry experience

End to End Advisory

Customized Financing

Investment Banking

FASAR – Seed Sector Entry

IB – Acquisition of Advanta

ARB – Channel financing

Corporate Finance encompassing commodity

financing

19 19

FASAR – Key Themes- Hub and Spoke for aggregation & processing

19

Retail Consumer

Wholesalers &

Institutional Buyers

Processors &

Exporters

Terminal

markets

( Fresh Produce )

Collection

Centres

Collection

Centres

Collection

Centres

Backward Linkages Forward Linkages

Mega Food

Parks

(Processed

Foods)

Retail ( modern and

also kirana)

Hub and Spoke model is being promoted by Govt of India for aggregation

20 20

Masterplan of Karnataka MFP

Future Group MFP at Tumkur, Karnataka

21 21

Inauguration of Food Park by PM

22 22

Warehousing and Cold Storage

Integrated Dairy Farms

Logistics & Supply Chain

Agro Food Parks

Food Processing

Overseas Plantation and

Farming

Farm Machinery

Irrigation

Agri Inputs

Foreign Collaborations and JVs Technology Transfer to India

Commodities

Modern Terminal Markets

Fruits and Vegetables

Value Chain Analysis

Risk Management

Trade Policy

Organic Foods &

Farming

Biotechnology

23 23

Agri Infrastructure Projects is a focus area for FASAR

TERMINAL MARKETS

Hub and Spoke model with spoke in villages to act as collection centres

Spoke to act as terminal market having price discovery mechanisms which are modern and transparent unlike current regulated APMC’s

PPP mode also possible with government bringing in land

Private sector builds the market and operates it

Modern terminal markets will play a key role in the now proposed National Agriculture Market (NAM) and will act as hubs for each procurement cluster of NAM.

Reforms like complete abolition of APMC Act; GST reforms need to be kicked in for better utilization of MTM’s

MEGA FOOD PARKS

Hub and Spoke model with spoke in village clusters to act as collection centres

Spokes act as food processing hub

Each hub has common infrastructure facilities which can be leased on rentals by users

SPV is responsible for upkeep of processing facilities and availability of quality raw material including reasonable prices to farmers

Since farmers are directly linked to processing hub; they realise better prices than selling produce at traditional markets

Wastages is better controlled ; and total processing potential of the country will go up from current levels

SILO’s; COLD CHAIN; WAREHOUSING

Project Management Consultants (PMC) for Government sponsored grants/ subsidy schemes for cold chain, warehousing projects

End-to-end advisory including preparation of DPR; appraisal note ; in-principle term loan sanction

Focus projects for the bank and has 3600 knowledge of the subsector including lending ; compared to other banks ; hence YES BANK is a bank of choice

24 24

24

Key Central Government Assignments

APEDA

Streamlining of

Existing Procedures

and Documentation for

Agricultural Produce

Exports

Cane & Bamboo

Technology Centre

Market Assessment,

Channel Study and

Mapping of Consumer

Preference for Bamboo

Products in NE

Ministry of Agriculture

National Consultants for

Developing Framework

for Selection of Private

Enterprises for Setting

up of Modern Terminal

Markets

Ministry of Food

Processing

Industries

Evaluation of

Vision Document

APEDA

Restructuring of

APEDA in order to

Conform to the

Proposed APEDA

Amendment Bill

2007

25 25

25

Key State Government Initiatives

Govt. of Andhra Pradesh

Assessment of Infrastructure of Existing APMCs

and Development of Strategy for

their Modernization

Govt. of West Bengal

Preparation of “Agricultural Marketing – Vision 2010”

Document

Govt. of Rajasthan and NIAM

Feasibility Study for Setting up of

Modern Terminal Market in Jaipur

Govt. of Odisha and NIAM

Preparation of Detailed Project

Reports for Modern Terminal

Markets in Cuttack and Berhampur

Govt. of UT of Chandigarh

Consultants for Selection of

Private Enterprises for

Setting up Modern Terminal

Market in Chandigarh

Govt. of Punjab

Consultants for Selection of

Private Enterprises for

Setting up Modern Terminal Market in Punjab

Govt. of Maharashtra

Consultants for

Selection of Private Enterprises for

Setting up Modern Terminal Market

in Mumbai

Govt. of Gujarat

Advisory for Development of Modern Fruits &

Vegetables Market in Surat,

Gujarat

26 26

26

Key State Government Initiatives

Govt. of MP

Transaction Advisory for Setting up of

Horticulture Hub in Chhatarpur,

Madhya Pradesh

Govt. of Assam

Preparation of DPR for ASAMB for setting up of

Cold Storages and Packhouse

Govt. of Meghalaya

Preparation of

DPR to be submitted to IFAD

for approval of grant for the

development of Fisheries sector

Govt. of Sikkim

Engaged as consultants

for the formulation of a Project report on Modernization

& Expansion of a Tea Estate

Govt. of Nagaland

Preparation of

Feasibility Study & Detailed

Project Report for setting up

Modern Terminal Markets

Govt. of Mizoram

Mandated by New Land Use

Planning Implementation Board (NLUP IB) for establishing a pack house and

cold storage for F & V

Govt. of J & K

Preparation of an action plan for

development of Food Processing

Industries in Leh-Ladakh and

Kargil regions

27 27

27

Key Agri Infrastructure / Agri value chain advisory

YES BANK along with Wageningen was mandated for the development of master plan blueprint for Integrated Agro Food Park project on a 2,800 acre site in Nellore, AP

Development of master plan blueprint for Agro SEZ in Kakinada, AP

Entry Strategy into value added dairy products

Assessment of seed sector entry and valuation of seed genetics pool for takeover

Evaluation of cold chain components and preparation of DPR for cold chain grant for marine sector by Ministry of Food Processing

Assessment of key supportive metrics for setting up large scale dairy farm operation in India

28 28

28

29 29

29

Multilaterals Engagements

Value Chain Analysis of the Cocoa Sector in Ghana

Assessment of

Cold Chain Sector in India

Value chain of commodities

Opportunities for Dutch players in India

Preparation of Development Strategy for Dairy and F&V Sector in Ethiopia

Develop Sustainable and Efficient Linkages Between Producers and Markets Establish a Horticulture Knowledge Network Platform and Community of Practice

Mandated by CAIM Amravati , IFAD & SRTT for Subsector Value Chain Analysis of Cotton, Soybean, Pulses, Fruits, Vegetables, Dairy & Poultry

Sub–sector wise analysis of experience with PPPs in agribusiness infra development

Identification of key agribusiness PPP projects planned

Comprehensive study of 13 sub-sectors in the Food Manufacturing sector including Dairy, Fresh Foods, Beverages and other processed categories

MoU to explore collaborations and joint ventures in areas of food processing to add value to Indian agricultural produce

30 30

30

Global Collaboration

31 31 31

Financing across the

Agri Value Chain

32 32

Commodity Based Farmer Financing

Company

Farmers

Company accredited Warehouse

1. Identifies Warehouse for stocking

6. S

up

pli

es/

de

po

sits

Co

mm

od

ity

2. C

om

pa

ny

ex

ecu

tes

Pa

ss t

hro

ug

h A

gen

t A

gre

em

en

t &

Bu

yb

ack

Ag

reem

en

t

Collateral Manager

5. Enters into documentation for loan at the time of deposit

9. Bank disburses to farmers as confirmed by Company

Subsistence ; non-bankable farmers

33 33

FARMER •Payment against supply on the same day

•Better price realization based on produce quality

•Option to avail loan and wait for price to appreciation

•Prevents exploitation from the market middlemen

•Avoid distress sale of produce

•Helps to achieve Priority Sector lending to Agriculturist •Ref check and collection of KYC and execution of docs become easier

•Availability of assured buyers of stocks i.e Company

•Improving outreach to farmers through B2B2C

COMPANY

•Help farmers to grow by way of financial inclusion and grow through the concept of “Lab to Land”.

•Supplies getting streamlined for longer period.

•Ensuring timely payment against raw material supplies

•Assured standard specifications quality and quantity of stocks as per Company

•Reducing cost of procurements

•Efficient stock management by professional CMs by way of controlled and close monitoring of stocks

Win-Win situation for all

34 34

YBL Case Studies in Agri Value Chain

6/8/2015 34

FOOD PROCESSING STORAGE/

COLLATERAL

MANAGEMENT

PROCUREMENT

Warehouse

Receipt to

farmers

Distress

sale

avoided by

YBL

intervention

WC to processor thereby

higher volumes of

procurement; avoiding

distress sales by farmers at

APMC

35 35

YBL Case Studies in Agri Value Chain…contd

6/8/2015 35

STORAGE/

COLLATERAL

MANAGEMENT

PROCUREMENT

Distress

sale

avoided by

YBL

intervention

Payment to

farmers linked to

market prices

which increase

during off

season

Pulses stored

in authorized

scientific

warehouses

This structure was shortlisted by

FT/IFC in 2014 for award

“Achievement in Project Finance - Food & Water”

Warehouse

Receipt to

farmers

36 36

Dairy Farmer financing & integration for Farmer Payout

Salient Features Payment to the farmers according to the quality of milk Automatic payment initiation from milk analyzer Automatic payment processing at BANK’s end Instant credit to farmer’s bank account Withdrawal facility available if needed through Mobile ATM 5 days advanced payment to Farmers No requirement of storage of cash payment @ collection centre (For

Hatsun) Threat of collection manager running away with cash is dispensed off

er

Dairy Farmers (No frills

YBL Accounts)

SMS Alerts

Hatsun checks the milk quality using IBOND

E-mail sent to YBL with transaction details on validation through IBOND

E-mail is converted into CNB uploadable format & processed through E-mail Host-to-Host mode

1

2

3

4 5

6 On receipt of SMS, farmers may withdraw cash using Micro-ATM provided to Hatsun by YBL

37 37

Dairy farmers payout through IMPS

Salient Features Instant Farmer Payouts through IMPS VRS sends encrypted Payout File to YES Bank Branches Single File is used for transferring Funds to multiple Beneficiary

Banks YES Bank processes the file and sends the response file to VRS

foods through email id. Instant Credit to Farmer accounts is being provided using this

solution

VRS

Beneficiaries

Response – HO Branch

Response

Encrypted file and request letter in designated format

IMPS Payment File to YES Bank through Email

38 38

GOA Horticulture

INNOVATIVE STRUCTURE OF CASH MANAGEMENT TO TRADERS RESULTS IN FASTER TURNAROUND; REPAYMENT TO FARMERS ;

HENCE OFFTAKE INCREASED

39 39

39

SUCCESS STORIES: Some Key Relationships

40 40

Agri Logistics Adani Agri Logistics

Limited

Senior Lender for construction of agri storage

facility( PPP with FCI)

INR 2,800 MM

2011

National Collateral Management Services

Limited

Sole Underwriter and Lead Bank for project -

constructing 45 agri warehouses across 10

states INR 2,000 MM

2012

National Bulk Handling Corporation Ltd (Financial

Technologies Group)

Senior Lender for structured WC

INR 950 MM

2013

Integrated Food Park Pvt. Ltd.(Future Group)

Sole Underwriter of Senior Debt for setting up Mega

Food Park

INR 500 MM

2012

DS Milk Products Ltd

(Dharampal Satyapal Group)

Sole Banker for acquisition of dairy plant in Rajasthan

INR 340 MM

2012

Fresh and Healthy

(WoS of CONCOR)

Sole Banker for cold storage and apple procurement

INR 500 MM

2013

Shree Shubham Logistics Ltd.

(Kalpataru Group)

Structured WC facility

INR 250 MM

2013

Charosa Wineries Ltd ( HCC Group)

Sole Banker for the development of vineyard and processing facilities

INR 500 MM

2013

YBL has appointed all the major warehousing players as its Collateral Managers under WRFP with

sanctioned limits of INR 4.0BN

41 41

Investment Banking Transactions in Food & Agri

YES Bank – a clear leader in Food & Agri in India having consummated highest number of transactions

2012

Indofil Industries Limited

Sole advisor for

acquisition of Dow

AgroScience LLC’s

Mancozeb business in

Europe Undisclosed Amount

2011

United Phosphorus

Sole advisor to the

acquisition of the 50%

stake in Sipcam Isagro

Brazil (SIB)

Undisclosed Amount

Undisclosed

Amount

2012

FIL Industries Ltd.

Strategic Alliance with Indo Gulf (Aditya Birl

Nuvo)

2007

United Phosphorus

Acquisition of Ceraxagri,

France

US$ 140 mn

2011

Mahindra & Mahindra Limited

Acquisition of controlling

stake in EPC Industrie

Limited

JSM Corporation

Private equity fund raising from Premji

Invest

` 1,250 mn

2012

2007

Jain Irrigation

Acquisition of Naandan

Irrigation, Israel

US$ 21.5 mn

2011

Advanta India Limited

Financial Advisor

FCCB

US$ 50 mn

Jain Irrigation

2010

Acquisition of 80% stake in

Sleaford Quality Foods

Ltd, UK

2007

Jain Irrigation

Acquisition of Aquarius

Brands, Inc USA

US$ 21.5 mn

2006

Jain Irrigation

Strategic investment in

Eurodrip SA, Greece

Undisclosed

Amount

2006

United Phosphorus

Acquisition of Advanta

Netherlands Holdings

B.V.

€ 100 mn

Acquisition of SWAL Corporation Ltd

2005

United Phosphorus

Undisclosed

Amount

2007

Advanta India

Book Running Lead

Manager

Initial Public Offer

` 2,163 mn

Pearl Drinks Limited

Exclusive Advisor to Pear Drinks Limited for

sale of its PepsiCo bottling business (Delhi

Region) to Varun Beverages Limited

2013

Undisclosed

Amount

42 42

42

Sustainable & Responsible Banking Leadership

Vision: Be the Benchmark Financial Institution for Inclusivity and Sustainability

43 43

Institutional

Excellence

Corporate

Governance

and Business

Excellence

Human

Capital,

Innovation &

Service

YES BANK- Key Awards

44 44 6/8/2015

YES BANK- Key Accolades & MoU’s

Business

Excellence

Best Asset Quality’ award in the

private sector category

Business

Excellence

MoU to explore OPIC financing of up

to $220 million to increase lending to

MSMEs in food & agri / others – Wells

Fargo is sponsor

Financial

Innovation

USD 200 Mio, 7 year funds raised from

ADB towards promoting rural financial

inclusion

ADB funds are being deployed to

augment financing under YES

Livelihood Enhancement Action

Program (LEAP) – the Bank’s

comprehensive financial services

offering for Women Self Help Groups

(SHGs)

Knowledge

Excellence

APRACA Value Chain Agri Financing

Special mention of YES BANK agri

chain finance models

45 45

Summarising the Agri Value Chain Interventions

Short Term and Medium Term loans; Crop Loans to

farmers for agri-inputs purchase

Channel financing to agri-input dealers during advance booking and

during season

Post harvest Warehouse Receipt financing to

prevent distress sale to farmers

Working capital / Medium tenor loans;

project financing to food processors

YES BANK FINANCES ACROSS THE VALUE CHAIN TO ENSURE TIMELY AVAILABILITY OF CREDIT TO ALL STAKEHOLDERS

46 46 46

Thank You