INDUSTRY-COMPANY-JOB PROFILE COMPETITION

1. DOMAIN
DOYENS
INDUSTRY SECTOR-
BANKING

2. INTRODUCTION TO THE BANKING
SECTOR
 A bank is a financial intermediary that creates credit by lending
money to a borrower, thereby creating a corresponding deposit on
the bank's balance sheet.
 Banking began around 2000 BC in Assyria and Babylonia ,with its
first prototype in the bank of merchants , which provided loans to
farmers and traders who carried goods between cities.
 Modern banking began in the 17th and the 18th century in England
which started issuing bank notes and accepting gold deposits from
goldsmiths.
 The Bank of England was the first to begin the permanent issue
of banknotes, in 1695.
 The Royal Bank of Scotland established the first overdraft facility in
1728.

3. EVOLUTION OF BANKING IN INDIA

4. THE STRUCTURE OF BANKING SECTOR IN
INDIA

5. 5
Clients
 Includes Auto Finance,
Consumer Banking, Home
Finance, Insurance and Small
Business Banking
 Provides mutual fund, insurance
& home finance and workplace
banking products to consumers
and small businesses
 One of the world’s leading
investment banks
 Services provided: Advice on
corporate strategy and structure,
raising and placing capital, making
markets in financial instruments and
offering sophisticated risk
management services
 Provides investment & wealth management
services to institutional investors, high net
worth individuals & retail customers
 Provides personalized solutions to wealthy
individuals
 Global leader in transaction
processing and information
services to wholesale clients
 Three Businesses: Institutional
Trust Services, Investor
Services(WSS) and Treasury
Services
 Major provider of financial services
including corporate finance, cash
management, & credit
 Comprises of five national business
segments: Middle Market Banking,
Mid-Corporate Banking, Commercial
Real Estate, Asset Based Lending
and Commercial Leasing
 Delivers credit card and other related
payment products to cardholders and
merchant outlets
 Aims to be the preferred payment card in
existing customers wallets and to increase
access to new customers
Investment
Bank
Treasury and
Securities
Services
Card
Services
Asset
and
wealth
Management
Retail
Financial
Services
Commercial
Banking
BANKING AS A WHOLE

6. MAJOR PLAYERS IN BANKING SECTOR

7. INDIAN AND GLOBAL CONTEXT OF THE
BANKING SECTOR
 In 2015, value of public sector bank assets were
USD1.4 Trillion. Total Indian banking sector assets
has reached USD1.8 trillion in FY14 from USD1.3
trillion in FY10, with over 70 per cent accounted by
the public sector.
 Total lending and deposits have increased at CAGR
of 20.7 per cent and 19.7 per cent, respectively,
during FY07-14.
 Total number of ATMs in India have increased to
182,480 by the end of April’15 and is further
expected to double over the next few years.
 Jan Dhan Yojna and importance of Financial
Inclusions. Penetration into the rural areas.

8. CURRENT SCENARIO OF GLOBAL
BANKING SECTOR
 Crisis in the international markets like China and Greece
have led international banks into problems.
 Continuous fluctuations in the currencies also impact
Foreign banks.
 Due to different rules and norms In different countries
where the banks serve, they face various problems and
have to pay huge amounts of fines.
 There are always changes going on in the management
of these banks which affect them.
 Constant mergers acquisitions and investments are very
regular in this sector.
 Banks are majorly investing in start-ups and E-commerce
companies.

9. SWOT ANALYSIS
STRENGTH WEAKNESS
•Stable growth and substantial profits
•Valuable contributor to GDP
•Regulatory environment
•Government Support
•Wide Network
•Increasing NPA’s
•Low penetration
•Lack of product differentiation
•Weaker sections of the economy
untouched
OPPORTUNITIES THREATS
•Modern Technology
•Untapped Rural Market
•Globalization
•Developing Economy
•Unorganized money lending market
•Rise of monopolistic structures
•Threat of instability of the system:
failure of some weak banks
•Payment Banks
•High rate of Inflation

10. GOVERNMENT POLICIES AND ITS IMPACT
 Issuance of New Banking Licenses- Increasing the number of
banks would promote financial inclusion, foster competition, and
there by reduce costs and improve the quality of banking services.
 Wholly Owned Subsidiary by foreign banks-The framework
provides foreign banks with an opportunity to refine their India market
plans in terms of capital and management commitments to size the
growth opportunities in form of both organic as well as inorganic
options.
 Priority Sector Lending- Provision of easy, adequate and timely
credit to priority sectors that otherwise would not receive easy
finance.
 FDI Limit in Banks- The FDI inflows would help banks to meet their
capital requirement, and ensure better and improved risk
management, thereby making the Indian banking sector more
competitive.
 Basel III Norms-These would help to strengthen the regulation,
supervision, and risk management of the Indian banking sector

11. FUTURE PROSPECTS
 India’s gross domestic product (GDP) growth will make the Indian
banking industry the third largest in the world by 2025.
 the domestic banking industry is set for an exponential growth in
coming years with its assets size poised to touch USD 28,500 billion by
the turn of the 2025.
 With the deposits growing at a CAGR of 21.2 per cent (in terms of INR)
in the period FY 09–14, there has been evident growth in the overall
industry.
 This growth can be attributed to banks shifting focus to client servicing.
 Public as well as private sector banks are underlining the importance of
technology infrastructure, in order to improve customer experience and
gain a competitive edge.
 Utilizing the popularity of internet and mobile banking, banks are
increasingly adopting an integrated approach for asset–liability match,
credit and derivatives risk management.

13. INTRODUCTION
 Yes Bank, incorporated in 2004 by Rana Kapoor and Late Ashok
Kapur.
 YES BANK’s vision is to become the ‘Finest Quality Bank of the
World’ in India by 2020’ having evolved its organizational ethos into
the ‘Professionals’ Bank of India’.
 Offers a full-range of client-focused corporate banking services,
including working capital finance, specialized corporate finance,
trade and transactional services, treasury risk management services,
investment banking solutions and liquidity management solutions
among others to a highly focused client base.
 It became the first Indian Bank to become a signatory with the United
Nations Environment Programme (Financial Initiative).
 In March 2014- The Bank was awarded the Ramkrishna Bajaj
National Quality (RBNQ) Business Excellence Award - 2013•in the
Services Category.

14. SWOT ANALYSIS
STRENGTH WEAKNESS
•High Quality, Customer Centric, Service Driv
en, Private Indian Bank Catering To The
“Future Industries Of India”
•WorldClass Team, Based On Professional R
ecruitment Methodologies, And Attract
The Best Talent In The Industry.
•Building Learning And Development
Solutions that
Continuously Enhance Employee Value, High
Performance Culture.
•Robust Rewards And Recognition Strategy.
•Less wide network.
•Market Capitalization is very slow.
•Less promotional activity
•Unknown brand
OPPORTUNITIES THREATS
•Very wide market.
•Other activity(insurance, stock broking,
mutulfund).
•Wide scope in rural area.
•New Acquisitions.
•Investment Portfolio Securities.
•Very high competition Private bank market
(ICICI Bank, HDFC bank), In public sector
(BOB, PNB).
•Other better Saving, investment option availa
ble (like Insurance, Mutulfund, Real-estate,
Gold).
•Capital Market slow-down.
•Government Rules And Regulation.

15. COMPANY MANAGEMENT
Name Designation
Radha Singh Non Exe.Part Time Chairperson
M R Srinivasan Director
Brahm Dutt Independent Director
Mukesh Sabharwal Independent Director
Vasant V Gujarathi Independent Director
Rana Kapoor Managing Director & CEO
Ajay Vohra Independent Director
Diwan Arun Nanda Director
Saurabh Srivastava Independent Director
Ravish Chopra Independent Director

16. PRODUCTS AND SERVICES
 Corporate and Institutional Banking- The bank offers a broad range
of financial and risk management solutions to clients such as large
Indian corporate and groups, multinational companies, central and
state governments, government bodies and public sector enterprises.
 Business Banking- Yes Bank offers a range of products, services and
resources to small and medium businesses.
 Corporate Finance- It offers corporate finance solutions to various
clients such as local corporate, multinational companies, financial
institutions and public sector undertakings.
 Retail Banking- Under this, the bank offers wide range of products
and services such as saving account, current account, fixed deposit,
retail loan, depository services and many more.
 Investment Banking- Yes Bank offers investment banking services in
area of mergers and acquisitions, divestitures, private equity
syndication and IPO advisory.

17. FINANCIAL DETAILS(5YRS)

18. Cont..

19. CLIENTS
 Local Corporate
 Multinational Companies
 Financial Institutions
 Public Sector Undertakings
Examples-
 Bajaj Allianz- General Insurance
 Bharti Airtel- Telecom Connectivity
 CISCO- Technology Innovation and Infrastructure
 Cognizant Technology Solutions- Application
Development -Business Process Management Platform
 IBM- Technology Hardware
 Max Life Insurance Co Ltd- Life Insurance

20. COMPETITORS

21. FUTURE PLANS
 High growth rates in the past, ambitious expansion plans ahead -total
number of branches & ATMS by 900 & 2000 from the current 430 & 951 by
the year 2015. It aims to have a deposit base of 1, 25,000 lakh crore and an
employee base of 12,750 by 2015.
 5-year sponsorship deal with IPL- facilitate the brand recognition all over the
country.
 Diversified Advances & Superior Asset Quality- Advances to Large and mid-
size corporates forms around 80% of the total advances. The rest 20% is
contributed by retail advances.

22. MY JOB PROFILE

23.  Job Title: Associate/ Manager- Corporate Banking
RM
 Job Description: At YES BANK, we have
institutionalized Corporate Banking dedicated to
serve companies in the high octane middle market
segment (500+ Cr Turnover), offering entire suite of
products that include Corporate finance, Working
Capital, Trade and Payment services, Project
advisory.
ASSOCIATE/ MANAGER

24. KEY SKILLS
 Basic knowledge of corporate banking marketing
concepts
 In depth knowledge of Indian market for corporate &
institutional financial services
 Technical and professional know-how
 Service focussed
 Drive for making things happen
 Innovation and creativity
 Open to change and eagerness to grow

25. RESPONSIBILITIES
• Revenue Generation: Achieve Banks objective in terms of earnings,
assets, liabilities, credit quality etc. as per agreed budgets/targets from
client relationship across all product groups
• Relationship Management: Acquire new client relationships and grow &
maintain high quality, profitable and broad based relationships with
existing client base. Handle activities ranging from identifying clients
financial needs, advising, structuring the deal, preparing the terms and
conditions and closing the deal
• Credit Appraisal: Appraisal of the proposals involving detailed analysis
of Income Statement, Balance Sheet, Financial Ratios, Cash Flows,
Management Risk, Industry Risk, Economic conditions
• Documentation & Compliance: To maintain high quality standards of
documentation, client communication, process compliance, ongoing
basis with product partners /OSD /Risk Management and other
Relationship Management groups
• Assess banking needs and risks for clients and manage client
relationships accordingly to optimize risk-reward for the Bank

26. CHALLENGES
 Regulations, competition and mobilisation of
deposits
 Adapting to the new environment in the banking
system
 Acquisitions and mergers
 Staff Engagement
 Branch Targets
 Operational Management

27. CAREER GROWTH
 Bank officer
 Assistant manager
 Branch manager
 Regional manager
 Deputy general manager
 General manager
 CEO
 Chairman

28. THANK YOU!