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    CSR On Yes Bank

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    Saurabh
    Responsible Banking at YES Bank aims to integrate social and environmental considerations into its core business strategy. It operates in the "Sustainability Zone" by supporting businesses that generate economic, environmental, and social benefits. YES Bank provides innovative financing solutions to address issues like sustainable livelihoods, food security, climate change, and more. It has programs in areas like microfinance, rural banking, socially responsible investing, and renewable energy. YES Bank also partners with local communities through its YES Community program to promote responsible business practices and sustainability themes.

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    CSR On Yes Bank

    Uploaded by

    Saurabh
    406 views21 pages
    Responsible Banking at YES Bank aims to integrate social and environmental considerations into its core business strategy. It operates in the "Sustainability Zone" by supporting businesses that generate economic, environmental, and social benefits. YES Bank provides innovative financing solutions to address issues like sustainable livelihoods, food security, climate change, and more. It has programs in areas like microfinance, rural banking, socially responsible investing, and renewable energy. YES Bank also partners with local communities through its YES Community program to promote responsible business practices and sustainability themes.

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    WANT TO GET MORE INFO ON CSR PLEASE REFER THIS PPT. ILL UPLOAD MORE IF U WANT MESSAGE ME

    Original Title

    CSR ON YES BANK

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    Responsible Banking at YES Bank aims to integrate social and environmental considerations into its core business strategy. It operates in the "Sustainability Zone" by supporting businesses that generate economic, environmental, and social benefits. YES Bank provides innovative financing solutions to address issues like sustainable livelihoods, food security, climate change, and more. It has programs in areas like microfinance, rural banking, socially responsible investing, and renewable energy. YES Bank also partners with local communities through its YES Community program to promote responsible business practices and sustainability themes.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    406 views21 pages

    CSR On Yes Bank

    Uploaded by

    Saurabh
    Responsible Banking at YES Bank aims to integrate social and environmental considerations into its core business strategy. It operates in the "Sustainability Zone" by supporting businesses that generate economic, environmental, and social benefits. YES Bank provides innovative financing solutions to address issues like sustainable livelihoods, food security, climate change, and more. It has programs in areas like microfinance, rural banking, socially responsible investing, and renewable energy. YES Bank also partners with local communities through its YES Community program to promote responsible business practices and sustainability themes.

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    of 21

    Responsible Banking @ YES BANK

    Business Solutions to Development Challenges

    Responsible Banking @ YES BANK


    Business does not operate in a vacuum
    Integrating social and environmental aspects into core
    business strategy important for long-term growth of the
    Bank
    Responsible Banking means adopting a People-PlanetProfit approach to doing business
    Translates into a critical competitive edge for the Bank
    Offers inroads to new business segments and client base

    Responsible Banking A Differentiated


    Approach

    Sustainability Zone

    Pure Profit

    Sustainability Zone
    combined economic,
    environmental, social
    benefit

    Evolution of Sustainability
    New Generation
    of Sustainability:
    Integration and
    Mainstreaming
    Sustainability:
    Triple Bottom
    Line

    Sustainability as
    part of business

    CSR based initiatives

    Values over Value

    Pure Philanthropy

    Philanthropy focused

    Mainstreaming sustainability using multi-stakeholder approach


    Operate in Sustainability Zone supporting businesses that meet economic, environmental &
    social objectives
    Innovative financial solutions to address gamut of development issues sustainable
    livelihood, food security, climate change, public health, education, information technology,
    biotechnology etc
    Using knowledge driven approach and specialised skill sets, human resources to adapt
    commercial financial services to sustainability space.
    YES BANK has leapfrogged traditional philanthropy-based CSR to Responsible Banking
    finding Business Solutions to Social & Environmental Issues

    Responsible Banking Framework


    Responsible Banking in Thought

    RESPONSIBLE BANKING
    (CSR & Sustainability)
    Thought Leadership, Advisory,
    Institutionalization

    Responsible
    Corporate
    Citizenship
    (RCC)

    Internal
    Engagement

    Deal Generation

    YES
    COMMUNITY

    Responsible Banking in Action

    AGRI & RURAL


    BANKING (ARB)
    Credit + Services

    MICROFINANCE
    Credit + Services

    SUSTAINABLE
    INVESTMENT BANK (SIB)
    Business Planning/Structuring,
    M&A Advisory, Private
    Placement

    Alternative
    Energy&
    Environment

    Social
    Enterprises

    Deal Generation

    Clean&
    Sustainable
    Technologies

    INCLUSIVE &
    SOCIAL
    BANKING
    Credit, Savings,
    Remittances

    Business
    Correspondent

    Deal Generation

    Other Bank
    Divisions:
    Corporate
    Finance
    Corporate &
    Institutional
    Banking
    Commercial
    Banking
    Business Banking
    Retail Branches

    Responsible Banking: Mainstreaming sustainability principles across YES BANK

    SOCIALLY
    RESPONSIBLE
    INVESTING
    Growth Capital

    Responsible Banking in Thought


    A Think Tank incubating new business opportunities to mainstream
    sustainability
    Provides thought leadership

    Establishes partnerships for development - local and international


    Supports the socially responsible investor community by innovating
    business approaches to development.
    Provides Responsible Corporate Citizenship advisory services to
    businesses, governments and non-profits for

    Social Auditing
    Strategizing CSR practices
    Socio-environmental engagement
    Waste management
    Human capital and employee support analysis
    Carbon emissions analysis
    Social enterprise planning and scalability
    Entrepreneurship development and syndication of funds

    RESPONSIBLE CORPORATE CITIZENSHIP


    CASE STUDY
    Malnutrition Matters Vita Goat

    Responsible Corporate Citizenship advisory


    Case study

    Development challenge
    Addressing malnutrition and inducing economic growth at the Bottom of
    the Pyramid
    Responsible Banking has partnered with Malnutrition Matters (MM), a
    Canadian non-profit organization that designs food processing systems
    The VitaGoat is a low cost, soy-processing system developed by MM to both
    combat malnutrition and provides livelihood opportunities

    YES BANK role


    Providing inputs for the Indian context
    Facilitating MMs expansion in India and access to
    suitable partners (technology transfer agent)
    Strong network and linkages to assist program
    execution (government, suppliers, development
    organizations, businesses)
    Business inputs for scale and sustainability

    Combating poverty and malnutrition


    VitaGoat as a tool
    The VitaGoat consists of four components: cyclegrinder, boiler, cooker and press.
    Operates without electricity or running water,
    producing a variety of foods; employs a bicyclepowered grinder and a wide variety of locally
    available fuels to prepare protein-rich soy products
    One VitaGoat can provide a daily serving of soy
    products for 500 to 1000 people; 3-6 people can be
    employed per system
    Soy foods are an excellent source of protein and
    iron and a lower cost alternative to dairy products
    (typically 1/3 to of the cost of dairy milk)
    The VitaGoat can process a variety of soy-derived

    foods, including soymilk, tofu, soy-yogurt; can also


    be used to make other foods such as vegetable and
    fruit juices and pastes, groundnut butter, ground
    School children in Orissa drinking soy milk
    processed by a VitaGoat

    coffee beans

    Project results
    YES BANK as Technology Transfer Agent
    VitaGoat deployed at Buldana Urban Co-operative Credit Society
    run residential school since 2007
    700 school children fed with soy milk/paneer
    Facilitated a development partnership between Vigyan Ashram (an
    NGO near Pune oriented to technical development) and MM to
    develop an ultra low-cost soymilk system for small entrepreneurs,
    enabling greater outreach

    Expansion to Rajasthan with the delivery of first VitaGoat to Seva


    Mandir (large NGO based in Udaipur) in Jan 2010
    Expected to serve ~300-400 people per day
    Targeting income generation using the VitaGoat

    Business case

    Seva Mandir employee


    using the VitaGoat to
    grind Soybeans

    Responsible Bankings partnership with Seva Mandir has strengthened the banking
    relationship
    Seva Mandir placed a FD of INR 75 lakh with the Udaipur branch
    Facilitating outreach to target clients for YES BANKs other business units
    Collaboration with Agro Tech Foods Limited (a target client for ARSB) for their CSR
    program Feeding Children Better

    Agribusiness, Rural & Social Banking


    Innovative financial models
    Leveraging outreach of stakeholder in Agri Value Chain to overcome last
    mile issues
    Customized insurance solutions

    Select Partners:

    Reaching over 1 million Farmers through these Partnerships

    Financing Innovative Agribusiness


    Deal Example
    Zameen Organic Pvt. Ltd

    Fair trade supported company owned by Small Farmers


    Organizations
    Network of 6,000 small farmers producing organic cotton in the
    Vidharbha (Maharashtra) and Adilabad (Andhra Pradesh) regions
    Provides vital processing and marketing linkage between organic
    farmers and branding companies
    Unique concept of Premium: Farmer Premium and

    Community Premium

    YES BANK is Zameens Sole Banking Partner

    Microfinance Institutions Group


    Multiplier Effect: The Indirect Impact
    Institutes specific transactions to position microfinance as a new asset class,
    appealing to a broad base of investors and lenders, expanding access to capital
    FIRST Indian bank to undertake innovations in capital market products for
    microfinance:

    Capital Market Products


    Banks have been main source of debt funding for MFIs (term loans)
    Term loans are relatively expensive they are illiquid
    YES BANK arranged first rated bond issuance of an MFI in the world in
    the form of Commercial Paper & Non-Convertible Debentures of INR
    2000 mn (USD 40 mn)
    Enabled cost reduction for the MFI to the extent of 300 bps

    Structured Products
    Securitisation of receivables originated by MFI

    MFI receivables recognised as an asset class


    Generated interest among institutional investors
    Potential incremental access to capital for industry of USD 12-14bn annually,
    impacting 60-70mn clients

    Sustainable Investment Banking (SIB)

    M&A
    Advisory

    Private Equity
    Raising

    Business
    Restructuring

    JV
    Advisory

    Renewable Energy
    Deal Example
    56% of the 700 million rural Indian residents lack
    access to electric power; Government wants to
    deliver electricity to all of them by 2012 50% of it
    from renewable resources (wind, power, solar &
    biogas)*
    M&A
    Advisory

    YBL focused on addressing Indias energy


    Private Equity
    deficiency & reducing reliance
    on fossil
    fuels
    Business
    Raising
    Restructuring
    through thrust on renewable energy
    Raised USD 47 mn for Greenko, a renewable
    energy player, through private placement of
    equity shares with Global Environment Fund, one
    of the worlds largest environment focused funds,
    for expansion of their hydro power generation
    assets

    *Source: Pernick, R. & Wilder, C (2007) The Clean Tech Revolution, Harper Collins

    Successfully Positioned
    Emerging Markets Sustainable Bank of the Year for Asia
    2008 for excellence in creating environmental, social and
    financial value across its operations.
    Best Corporate Social Responsibility Practice Award, Social
    and Corporate Governance Awards, 2007, in recognition of
    innovative strategies to implement CSR practices within the
    business focus of the Indian Corporate sector.

    Trade Finance Deal of The Year, 2007 in recognition of


    innovative structured rural financing solutions.
    The first bank to be recognized by the CII-ITC Sustainability
    Awards in 2009
    Environment Leadership Award, in recognition of
    outstanding contributions made through working in
    partnerships to improve the environment and quality of life
    for the people of Asia.

    RESPONSIBLE BANKING
    &
    BRANCH BANKING
    Doing Business with Responsibility

    YES COMMUNITY A Differentiated


    Offering
    Responsible Banking & Branch Banking
    Collaboration
    Current theme Planet Earth

    Using fun-filled, interactive & inclusive microevents to engage with community


    Began with 15 branches in 2006, scaled up to 96 in
    2010

    Implemented events around sub-themes

    Recycling and Minimizing Waste

    Conserving Energy

    Pollution Prevention

    Conserving Water

    Improving Sanitation and Cleanliness

    Doing Business while being Socially Responsible

    YES COMMUNITY Success Stories

    YBL & CEE -

    "Earth provides enough to satisfy every


    man's need, but not every
    man's greed."
    --Mahatma Gandhi

    THANK YOU

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