Embedding Sustainability into the DNA of

YES BANK

Namita Vikas Group President & Global Head Climate Strategy & Responsible Banking

YES BANK - Outcome of Professional Entrepreneurship of Mr Rana Kapoor the

Founder, Managing Director & CEO and highly competent top management

team

Emerged as a Full Service Commercial Bank - 4th Largest* Private Sector bank

Highest Standards of Governance & Management Framework

Recently closed India’s largest QIP by raising USD 750 million

* as on March 31st 2017

Focus on Service Excellence, Positivity & Growth

Empowering business through Professional Entrepreneurship

YES BANK The journey so far..

Vision

India’s Finest Quality Big Bank by 2020

To provide a consistent superior banking experience to all its customers

To be a long term partner with all stakeholders particularly customers by

creating & sharing value

To be a solid and trusted financial trust mark led by an exceptional top/senior

management team

To build the “Professional’s Bank of India”

Focus on Service Excellence, Positivity & Growth

Empowering business through Professional Entrepreneurship

YES BANK The journey so far..

4

1,800 ATMs

20,125 employees

1,000 Branches

Balance Sheet USD 30.8 billion

Deposit base

USD 22 billion

Advances USD 20.4

billion

$ $

Empowering business through Professional Entrepreneurship

YES BANK The journey so far..

All figures as on March 31st 2017

Climate Change An Ongoing Phenomenon

Investment opportunities

Energy Efficiency

USD 600 billion annual requirement over the next 20

years

Green building construction

Additional investment of USD 296 billion per year

Renewable Energy

Investment opportunity of USD 900 billion between

2016 and 2030

Green Bonds

Issuance will reach a record high and could rise to USD

206 billion in 2017

USD 90 trillion by 2030

SD

Gs

USD 23 trillion for developing countries*

ND

Cs

* based on the national climate-change commitments and underlying policies of 21 emerging-market economies

Global Finance Opportunities

India’s NDCs

Achieve 40% Cumulative electric power installed capacity from renewable energy sources by 2030

Reducing emission intensity of its GDP by 33-35% from 2005 levels by 2030

Creating carbon sink of 2.5 - 3 billion tonnes of CO2 by additional forest cover

Estimates suggest USD 2.5 trillion will be required till 2030

Financial Inclusion to 100 million families

Livelihoods for extra 10 million jobseekers each year

Supply of clean water and energy to 1.3 billion inhabitants

Clean energy target of 175 GW

India’s Development Priorities

India

Climate Finance Scenario

RESPONSIBLE BANKING

Vision To be the benchmark Financial Institution for Inclusivity

and Sustainability

Mission Link CSR and sustainable development with stakeholder value creation through innovative business solutions and

services and weave sustainability principles into YES BANK’s core

business strategy and processes

Outcome Deliver internal & external measurable positive socio-

environmental impact Enhance YES BANK’s influence in CSR and sustainability

space

Sustainable Development at YES BANK

POSITIVE IMPACT CSR

Livelihood & Water Security Environment sustainability Skills Development &

Entrepreneurship Promoting arts & culture Media for social change YES COMMUNITY

POLICY ADVOCACY THROUGH THOUGHT LEADERSHIP

Knowledge Reports – Climate Finance, Water, Renewable Energy, Energy Efficiency

Thought leadership at UNEP-FI, UN, RE-INVEST

Policy advocacy within financial sector

FACILITATING SUSTAINABLE FINANCE

Mainstreaming green products and practices

Innovative financing Environment and social risks

management

TRANSPARENCY & ACCOUNTABILITY

Triple Bottom Line reporting Environmental, Social &

Governance (ESG) disclosures GHG accounting Environment Management Systems Natural Capital

Facilitating Sustainable

Finance

Positive Impact CSR

Policy Advocacy through Thought

Leadership

Transparency & Accountability

Innovating Pathways to Sustainable Development

Responsible Banking A 360○ Framework

Green Bonds Credit Enhancement Regular Financing to Sustainability

Inn

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YES BANK pioneered India’s 1st

Green bond in 2015

India’s 1st rated, listed and secured

credit enhanced bond in the solar

power sector underwritten by

YES BANK

YES BANK is the 1st bank to partner with

SIDBI under the World Bank

initiative and Bureau of Energy

Efficiency

Blended Finance

YES BANK is undertaking a pilot

project in transformational blended finance

Innovation through Technology

YES BANK has used technology

and innovation, as mission critical

pillars, to offer a superior banking

experience

With a 75% guarantee from SIDBI the loan amount ranges from USD 0.015 million to

USD 2.2 million.

Market Creator versus Market Follower

360○ Framework Facilitating Sustainable Finance

Partnerships Product Development Policies

E-mobility Circular Economy Water Efficiency Energy Efficiency

BLUE BONDS

Biodiversity Fund

Climate Stress Testing of Bank’s Portfolio

Embedding natural capital externalities

The way forward for YES BANK in Sustainable Finance

360○ Framework Facilitating Sustainable Finance

Str

etc

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he C

SR

do

llar

Access to Safe & Clean drinking water

• One of its kind PPP model using world patent technology

• Touched close to over 50 million lives

Say YES! to Sustainable MSMEs in India

• First-of-its-kind MSME CSR project

• Benefited 10,425 workers and 2,229 MSMEs during

FY 2016-17

YES! i am the Change

• Worlds largest Social Filmmaking Movement

• Response of over 1.3 million participants and over 29,500 films

YES COMMUNITY

• Innovative branch-led community engagement and impact model

• Over 2 million lives impacted

360○ Framework Positive Impact CSR

To measure and account social impact created through CSR projects, YBL has formulated a Social Return on Investment (SROI) framework

~USD 434,000

saved by

MSMEs through

YES BANK’s

energy

efficiency CSR

interventions*

~USD 2.6

million saved by

MSMEs through

YES BANK’s

OHS

interventions*

5,181 hazardous

incidents and

health issues

have been

avoided*

4.03 working

days saved for

each employee,

annually by

increasing

operational

efficiency and

productivity*

98.6% of the

benefitted

MSME units are

satisfied with

YES BANK’s

CSR

intervention**

*Calculated and extrapolated figures from stakeholder response **Based on stakeholder response Conversion Rate used – USD 1 = INR 64.49

SROI = Social Impact Value - Initial Investment

Initial Investment

360○ Framework Positive Impact CSR In-house Pilot SROI study

Pro

mo

tin

g k

no

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dg

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ran

sfer

an

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art

ners

hip

s

Platforms Policy Knowledge Reports

G20 GFSG’s global practices review on environment & social risks analysis by FIs

SDG Industry Matrix published by UNGC and KPMG

Report prepared by Climate Change support team of UN Secretary-General on the progress made since 2014 Climate Summit

YES BANK has organized conclaves with organizations and financial institutions to promote Sustainability

YES BANK has forged strong ties with national and global thought leaders, multi-laterals, and governments

YES BANK worked with regulators and think tanks on policy advocacy

360○ Framework Policy Advocacy through Thought Leadership

En

ha

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an

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cco

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Environment Management Policy & Systems

ESG Disclosure Triple Bottom Line reporting

YES BANK is the 1st Indian Bank to be ISO 14001:2015 certified

YES BANK is the 1st Indian commercial bank to release a Sustainability Report on GRI G4 platform

Indian banking signatory to CDP Indian bank to be listed on CDP’s Carbon Disclosure Leadership

Index (CDLI) for five consecutive years Indian banking signatory to Natural Capital Finance Alliance 1

st 447 locations across India certified 1st bank in the world to migrate to

ISO 14000: 2015 standard Environment Management Policy

released in 2012 Target - carbon emissions intensity

reduction by 10% annually

1st and only Indian bank to be listed on the DJSI - Emerging Markets 2015 & 2016

AAA rating on MSCI ESG Ratings 2016

YES BANK has been leading in reporting on disclosures

360○ Framework Transparency and Accountability

1st Indian Banking sector

signatory to UN Global Compact

1st Indian Signatory in

banking sector to the CDP

1st Indian Signatory in

banking sector to UNEP FI

1st Indian Signatory to the

NCFA

1st Indian Bank to receive ISO

14001:2015 certification

Launched India’s 1st Green Bonds

YES BANK FIRSTS

1st Indian Bank to release externally assured GRI G4 ‘Comprehensive’ Sustainability

Report

1st & Only Indian Bank to be listed in

DJSI Emerging Markets Index for 2 consecutive years

Mainstreaming Sustainability amongst Stakeholders

Thank You