Name of the student HARSHITH E

Group Number 31

Student Code 31 B

Name of the given organization YES Bank Ltd.

Section A
1.0 History of the organization

Brand Ethos:
To be the Professionals’ Bank of India

Vision:
Building the Finest Quality Large Bank of the World in India

Mission:
To establish a high-quality, customer-centric, service-driven, private Indian Bank catering to the
‘Future Businesses of India’

Yes Bank, incorporated in 2004 by Rana Kapoor and Late Ashok Kapur, is a new age private sector
bank. Since inception Yes Bank has fructified into a ‘“Full Service Commercial Bank” that has
steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate
Finance, Branch Banking, Business and Transaction Banking, 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.
YES BANK 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.
The bank is part of global thought leadership forums like the Clinton Global Initiative (CGI), Triple
Bottom Line Investing (TBLI) and Tallberg Forum. Recently, it became the first Indian Bank to
become a signatory with the United Nations Environment Programme (Financial Initiative).
YES bank limited is an Indian fourth largest private investor by capitalization. The Bank is engaged in
providing banking services, together with company and institutional banking, wealth management,
money market branch banking finance etc. YES BANK’s branch network stood more than 1000
branches pan India and its ATM network stood at 1800 across all 29 states and 7 union territories.
As part of the differentiated strategy, Yes Bank has had a strong focus on Development Banking, as is
evident from the cutting–edge work that the Bank has done in the area of Food & Agribusiness,
Infrastructure, Microfinance, and Sustainability which in most cases has been first–of–its kind in
India.
Yes Bank has partnered with various companies for delivering quality products and services namely
Cash Tech, Cisco Systems, Gartner, Intel, i–flex, Reuters, VSNL, Wipro, De La Rue, Murex, Wincor
Nixdorf and Sanovi.

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YES Bank was incorporated on the Gregorian calendar month twenty one, 2003 Headquartered within
the lower parcel Innovation District (LPID) of urban centre. This bank Obtained certificate of
commencement of Business on January twenty one, 2004 at the side of Kotak Mahindra Bank and
also the bank obtained final application for banking licence section 22(1) of the Banking laws
Act, 1949 providing complete details of the capital structure, the composition of the Boards of
Director, Informational technology and financial statement of the bank.

In 2005 YES BANK launches International Gold and silver open-end credit. Within the same year
Affirmative bank non-heritable license of Initial public provide (IPO).
2006- YES Bank launches of affirmative SAMPANN Bharat, A survey of India’s Best Listed Public
and personal Banks.
2007-August YES BANK launched of YES- International Banking.
2009 This Bank launched the Business Today- YES BANK SME Survey & Award.
2011- YES BANK launched the first FT-YES BANK International Banking Summit 2011- taking
Indian Banking to the globe.
2015- YES BANK launched its initial International representative workplace in United Arab
Emirates capital, UAE.
This Bank raised India’s initial inexperienced infrastructure Bonds of associate quantity of a thousand
Crore (USD a hundred and sixty million).
2016- YES BANK signs MOU with IFC
It had been the Youngest Indian Company to be a part of the Forbes world 2000 list.
2018- YES BANK received final license from SEBI for shielded of Securities Business.
2019- MR. Ravneet Gill takes charge as MD&CEO, YES BANK.
Currently Reserve Bank of India (RBI) took control of Yes bank later reconstructed the board and
named Prashant Kumar, former chief financial officer and deputy managing director of State Bank of
India, as MD & CEO of Yes Bank along with Sunil Mehta, former non-executive chairman of Punjab
National Bank, as Yes Bank’s non-executive chairman.

2.0 Products / businesses of the organization

 Savings Account.
 Current Account.
 NRI Savings Account.
 Credit Card Services.
 Debit Card.
 Special Loan for Covid affected Tourism Service Sector.
 Personal Loan.
 Car Loan.

2.1 YES, PROSPERITY PURCHASE CREDIT CARD

YES, Prosperity Purchase Credit Card is designed to be your preferred mode of payment for all
central spends, offering enhanced control of your accounts payable and procurement processes
through robust spends controls and wide acceptance.

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2.2 LOANS

We understand the importance of your business, and how you want to drive it to success. Keeping this
very thought in mind, we are offering you financial solutions that are built to meet your unique
business needs.

 WORKING CAPITAL FINANCE
 STRUCTURED FINANCE
 CORPORATE FINANCE
 TEAM LEADING
 FOREGIN CURRENCY LOAN
 SUPPLY CHANIN BANKING

2.3 DIGITAL BANKING

We endeavour to make everyday transactions smooth, secure, and completely organized

 API BANKING
 SMART TRADE
 ERP INTEGRATION
 SLIM SIM BASED MOBILE PAYMENTS
 YES TRANSACT: ON THE GO
 CORPORATE NET BANKING
 YES FOREX
 SMART BOX
 DIGITAL WALLET

 Ability to originate transactions across the product suite, for a wide range of issuers including
Private Sector Corporates, PSUs, Central and State Government entities and many NBFCs,
who have repeatedly mandated YES BANK for their debt raising programs
 Awarded the prestigious Green Bond Pioneer award for being the ‘Pioneers in Emerging
Markets-India’ by the Climate Bonds Initiative in 2016
 Consistently ranked among the Top 10 by Bloomberg in the ‘India Domestic Bonds’
underwriting league tables since the last 4 years
 Successfully issued and placed India’s first-ever Green Infrastructure Bond in 2015

2.4 YES, FIRST Corporate Credit Card

YES, FIRST Corporate Credit Card is designed to be your preferred mode of payment across
categories like Air Travel, Hotel Stays, Dining, Car Rentals etc. The card is designed with class
leading features and user-friendly online tools which assist in authorizing, tracking, and processing
expense & payment data.

Businesses
Yes Bank has interests in Retail, MSME and Corporate banking. It has three subsidiaries – YES
Securities (India) Limited, YES Trustee Limited and YES Asset Management (India) Limited.
As of September 2018, Yes Bank had taken syndicated loans from eight large international entities
including ADB, OPIC, European investment bank, banks in Taiwan and Japan for amounts ranging
from US$30 million to US$410 million.

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Yes Bank provides (UPI) Unified Payments Interface facility to allow customers to easily and
securely perform various financial transactions from their mobile devices via third party app providers
like PhonePe and Yuva Pay.
According to the data shared by NPCI (National Payments Corporation of India), Yes Bank processed
25.94 million transactions amounting to INR 14811.73 crores through its own UPI app in July 2021.
Yes Bank acquired over 24.19% stake in Dish TV, India’s largest direct-to-home (DTH) company in
terms of subscribers, on 30 May 2020.

3.0 Perceived image of the organization (positive and negative) in the society

3.1 Positive Image of YES Bank

 Yes Bank is doing exactly the same things in 2021 what it was doing in 2018, 2019 and 2020
i.e. plain simple banking. Like every other bank.
 YES Bank's bad time is over since RBI took charge and restructure it. As MD& CEO
Prashant Kumar done well job since past two Quarter and Finally yes bank came in Profit
Zone.
 State Bank of India is currently the largest shareholder, with 30% of shares outstanding. As
Area of Management and Shareholders SBI, HDFC, AXIS, ICICI are the top shareholder.
YES Bank having well managed people on body. Also we seen High deposits growth and
Loan disbursal to MSME and other sector.
 So No doubt Yes bank will definitely grow in next 5 to 10 years span. We can invest here for
long term
 It also partnered with the US government based OPIC and with Wells Fargo to support
women entrepreneurs.
 Yes Bank provides (UPI) Unified Payments Interface facility to allow customers to easily and
securely perform various financial transactions from their mobile devices via third party app
providers like PhonePe and Yuva Pay.
 Yes Bank acquired over 24.19% stake in Dish TV, India’s largest direct-to-home (DTH)
company in terms of subscribers.
 YES BANK has endeavored to develop and implement unique, scalable and sustainable
models of social intervention to create shared value. From supporting our customers with
seamless banking services to creating large-scale social impact.
 Various CSR activities accomplished by YES Bank makes huge difference in various sectors
like Healthcare, Supplementary education, Household, and community toilets 39,397 received
assistance through 196 health camps Provided access to safe and clean drinking water to
45,000 people through household Filters and 17,500 people through community water
systems 4,085 students enrolled through 116 Community Knowledge Centers.
 The depository financial institution of Asian nation had allowed withdrawal of up to ₹5
large integer just in case of medical emergencies, education expenses, payment towards
wedding, alternative ceremonies and ineluctable emergencies.

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3.2 Negative Image of YES Bank

3.21 Financial Failure Factors of YES Bank

Yes Bank has not patented any new world class software in 2020–21.
Yes Bank has not invented and patented the corona-virus vaccine.
Yes Bank has not patented any seeds for some good cash crops.
Yes Bank is not running any online education company with high valuations.
There were a large number of bad loans given by banks and depositors have withdrawn large numbers
of amounts from the bank.
CBI books HDIL promoters Wadhawans for Rs 200-crore loan fraud in Yes Bank: Officials. It is
alleged the funds transferred to Mack Star by Yes Bank as loan were transferred to accounts of HDIL
group companies to repay its loan to the bank, officials said.
YES Bank saw an 81% decrease in its market stock cost during 2019 - 2020.
There was no balance between the loan sheet and the depositors' sheet. RBI put a 30 days moratorium
on Yes Bank to save it. Yes bank has lost its goodwill and trust.
As per the news report This Bank occupied with high-hazard loaning giving advances of the
Individuals who couldn't raise store somewhere else and which were battling in their organizations.
In April 2019, The bank had about ₹10,000 Crores of its openings, speaking to 4.1% of its all out
advance under watch list, as potential non-performing credits throughout the following 12 Month.
Finally, RBI granted Rs 50,000 Crores as emergency fund to the bank for its operations.

3.22 Bad loan

The most concerning issue for the bank began when the NPA (Non-performing resources) uniqueness
came to High light in 2018. The bank has been under detailing its terrible credits for 3 successive
years at this point. NPA of the any bank is the greatest disappointment factor. YES BANK offered
advance to a few organization like DHFL, IL& FS, Anil Ambani gathering. CG Powers Radius
Developers, Mantri Group Vardaraj Cement, Café Coffee Day and so forth. These organizations are
nearly bankruptcy.

3.23 Out flow of Liquidity

As per the specialists, the bank was confronting ordinary outpouring of liquidity which implies that
the bank was seeing withdrawal of stores from client. The bank had the store book of ₹2.09 lakh crore
to ₹1.37 lakh crore toward the finish of September 2019. Bank with frail monetary records are getting
affected as investors move to more grounded bank.

3.24 Corporate Governance

As confirmed by the run batted in, the governance of YES bank is incredibly abundant guilty. YES
BANK Janus-faced many governance problems that crystal rectifier to its decline. YES BANK fell
nearly seven-member throughout trade thanks to company fraud at CG powers and Industrial
solutions. YES BANK features an important stake in CG powers and Industrial solutions. YES
BANK shares listed half dozen.91% lower at Rs.71.40 a share, therefore suffers fatal accident
(reported in August 2019) involving quantity of fraud of regarding Rs.4000 cores.

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On Jan 10, freelance director UttamPrakesh Agrawal quit company governance standards and
compliance failure at the investor. As per what Prakash insinuated is in interview with
Economic Times corporate executive, He wasn't enclosed in capital raising choices by the
management. He was unbroken within the dark even when continuous follow-ups on disbursing
the main points regarding the plans of capital rising from the management. He additionally
mentioned that the bank is surpassing the management and not the board. So clearly company
Governance unsuccessful.

3.25 Low provisions

While bad loans piled up, YES BANK did not make enough provisions in its profits. It’s Provision
Coverage Ratio comparable banks. RBI says a PCR of > 70% is desirable.

4.0 Suggestion of the group to the organization for future development

During these Crises there's no correct separation of possession and management therefore we want to
own a correct and clear separation of possession and control; promoter holding isn't enough. It’s a
guarantee against misuse of power. Choice of Auditors must be through with rigorously affirmative
Bank’s Auditors couldn't fund the window-dressing the bank management was as well as in.

We suggest Yes bank to follow certain step where they can regain their original shape.
Build trust among the customers.

 Educate their customers about Yes Bank services & facilities.

 They can go with good marketing strategies to rebuild their Brand Image.
 Use latest technologies.
 There is would like for additional transparency.
 Responsible Banking – Yes Bank should mainly focus on controlling NPA.
 Avoiding large amounts of withdrawals.
 Start maintaining thin line security check to avoid future disasters.
 Growth – Recruiting and selecting right person who is capable of handling the high
prioritized risks as well maintain the thin line transparency.
 YES Bank can start use new high class software to avoid unnecessary risk.
 YES Bank can start investing in online education sectors to increase its valuation.
 YES Bank can start investing in importing of Crude oil.

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 Section B (BC2)

5.0 Mention the possible barriers of communication which can be there in the given
organization. Suggest ways to overcome them.

5.1 Possible barriers of communication

5.1.1 Language Barriers

Clearly, language and linguistic ability may act as a barrier to communication. However, even when
communicating in the same language, the terminology used in a message may act as a barrier if it is
not fully understood by the receiver(s). For example, a message that includes a lot of specialist jargon
and abbreviations will not be understood by a receiver who is not familiar with the terminology used.
As nurses, we are especially prone to making this mistake. We must remember to use language that
can be understood by the receiver.

5.1.2 Psychological Barriers

The psychological state of the receiver will influence how the message is received. For example, if
someone has personal worries and is stressed, they may be preoccupied by personal concerns and not
as receptive to the message as if they were not stressed. Stress management is an important personal
skill that affects our interpersonal relationships. Anger is another example of a psychological barrier
to communication. When we are angry it is easy to say things that we may later regret and also to
misinterpret what others are saying. More generally, people with low self-esteem may be less
assertive and therefore may not feel comfortable communicating - they may feel shy about saying
how they really feel, or read negative sub-texts into messages they hear.

5.1.3 Physiological Barriers

Physiological barriers may result from the receiver’s physical state. For example, a receiver with
reduced hearing may not grasp the entirety of a spoken conversation, especially if there is significant
background noise.

5.1.4 Physical Barriers

An example of a physical barrier to communication is geographic distance between the sender and
receiver(s). Communication is generally easier over shorter distances as more communication
channels are available and less technology is required. Although modern technology often serves to
reduce the impact of physical barriers, the advantages and disadvantages of each communication
channel should be understood so that an appropriate channel can be used to overcome the physical
barriers.

5.1.5 Attitudinal Barriers

Attitudinal barriers are behaviors or perceptions that prevent people from communicating effectively.
Attitudinal barriers to communication may result from personality conflicts, poor management,

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resistance to change, or a lack of motivation. Effective receivers of messages should attempt to
overcome their own attitudinal barriers to facilitate effective communication.

5.2 Overcoming Barriers

Most of the above mentioned barriers can be overcome by the skilled communicator. Obviously,
bridging gaps in geography and communicating through disabilities are a topic for a different
discussion. Below, we will look at some tools that can be used to bridge barriers in everyday
communications.

5.2.1 Active Listening

Active listening is a skill that can be acquired and developed with practice. However, this skill can be
difficult to master and will, therefore, take time and patience. 'Active listening' means, as its name
suggests, actively listening. That is fully concentrating on what is being said rather than just ‘hearing’
the message of the speaker. Active listening involves listening with all senses. As well as giving full
attention to the speaker, it is important that the ‘active listener’ is also ‘seen’ to be listening -
otherwise the speaker may conclude that what they are talking about is uninteresting to the listener.
By providing this 'feedback' the person speaking will usually feel more at ease and therefore
communicate more easily, openly and honestly. There are both verbal and non-verbal cues that
convey active listening. Non-verbal signs include smiling (if appropriate), making eye contact,
nodding at appropriate times, and avoiding distractions. Theses non-verbal cues convey the message
that you are interested in what the speaker has to say, and that your attention is fully invested.
Offering verbal signs of active listening can also be useful. Reflecting on something the speaker has
said by asking a clarifying question is a terrific way to do this. Paraphrasing involves finding slightly
different words to repeat the main idea of the speaker, and is also great way to show active listening.

5.2.2 Use Simple Language

It’s important to remember the audience that you’re speaking to, and use language that can be easily
understood. Avoid using medical terminology or jargon when speaking to clients and their families.
People are often intimidated by such language, and can be afraid to admit that they don’t understand
the message being delivered. An important tool to use when speaking is to pause occasionally and ask
questions to ensure that your message is being understood as intended. You may also allow the
listener to ask questions to clarify any points.

5.2.3 Give Constructive Feedback

Remember that feedback was part of the communication chain we looked at on the first page. While
the feedback that you give the speaker/sender may occasionally be negative, it is important that it be
constructive in nature. The intent of the feedback should be to further the abilities of the speaker. This
will strengthen the interpersonal relationship, and enhance future communications.

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Summary
As living beings, we need to express and understand the expressions of others. Like it or not, human
society thrives on communication. Civilizations have risen and fallen based upon how good they were
at maintaining sound relations with the rest of the world. Communication is, indeed, the very lubricant
that makes the machinery of human relations function smoothly. Therefore, the significance of
communication cannot and should not be underestimated. Sometimes, difficult situations in life can
be resolved by just sitting down and talking it out. Similarly, most personal, professional and social
disasters can be averted by maintaining clear, appropriate and unambiguous communication. All we
need is some effort on our part to identify and avoid barriers to effective communication to make our
lives and the lives of those around us better.

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