Retail Banking. September 2016

Transcription

1 Retail Banking September 2016

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3 Retail Liabilities growth in tandem with Franchise growth Balance Sheet Growth INR Cr 31 Mar Mar Mar Jun years CAGR Total Assets 36,382 1,36,170 1,65,263 1,77,229 29% Advances 22,193 75,550 9,82,10 1,05,942 28% Deposits 26,799 91,176 1,11,720 1,22,581 27% CASA 2,818 21,079 31,343 36,288 49% CASA Ratio 10.5% 23.1% 28.1% 29.6% 2.7x Retail TD (%) 11.3% 24.8% 26.4% 25.7% 2.3x Franchise Built-up FY 2010 FY2015 FY 2016 Q1FY17 Growth FY16 over FY10 No of Branches x No. of Employees 3,034 10,810 15,000 16, x Steady growth across Balance Sheet parameters and Strong distribution network 3

4 Retail & Business Banking Retail & Business Banking 32.0% 32.5% Segmental Advances Mix Retail & Business Banking Retail & Business Banking 32.5% 32.0% 32.5% 32.0% Consumer Banking (Urban and Rural) Micro & Small Enterprises Business Banking (Medium) Consumer Banking (Urban and Rural) Micro & Small Enterprises Business Banking (Medium) 30 th Jun % 14.1% 12.1% 10.6% 9.4% 30 th Jun 2015 Consumer Banking (Urban and Rural) Micro & Small Enterprises Business Banking (Medium) 67.5% Corporate Banking 7.3% Consumer Banking (Urban and Rural) Micro & Small Enterprises Business Banking (Medium) 68.0% 30 th Jun % 14.1% 12.1% 10.6% 9.4% 30 th Jun % Corporate Banking 7.3% 68.0% Corporate Banking Corporate Banking Improving Retail and Business Banking proportion in the segmental mix 4

5 Well-diversified Liability Franchise ` million 400, , , , % CASA 20.2% CASA (% of Dep) 22.3% 23.4% 29.6% ` million 400, , , ,000 Retail TD Retail TD (% of Dep) 28.3% 21.0% 18.6% 21.2% 25.7% 200, , , , , ,000 50,000 50,000 0 Q1FY13 Q1FY14 Q1FY15 Q1FY16 Q1FY17 - Q1FY13 Q1FY14 Q1FY15 Q1FY16 Q1FY17 Steady improvement in Granular Deposits ` million 300, , , , % 12.5% 14.5% 20.5% ` million 140, , ,000 80, % 10.0% 9.8% 8.8% 9.1% 100,000 50, % 60,000 40,000 20,000 0 Q1FY13 Q1FY14 Q1FY15 Q1FY16 Q1FY17 0 Q1FY13 Q1FY14 Q1FY15 Q1FY16 Q1FY17 SA SA (% of Dep) CA CA (% of Dep) CASA+Retail FDs as % of Total Deposits stands at 55.3% as Jun 30, 2016, up from 51.67% a year ago 5

6 Improved Traction In Liabilities Generation Employees Branches Number of Employees (LHS) Number of Branches (RHS) ` Million 400, , , , , , ,000 50,000 - CASA CA SA Improved retail traction showcasing improved efficiency and operational leverage 6

7 Retail Banking Strategic Pillars Customer Acquisition, Engagement & Retention Strategy 1 Risk Management 8 Parameterized Selection and Portfolio Analytics Framework Products 2 Brand 7 Differentiated Product Suite to cater to overall customer requirements Capturing Customer Mindshare Distribution Expanding Outreach Through Leveraging Various Channels 3 4 Technology & Digitization Strengthening Systems & Processes for a WOW customer experience Service Superior & Consistent Customer Service 5 People Superior Human Capital Management 6 Building a strong Consumer and SME platform for scalable growth 7

8 Customer - Acquisition, Engagement & Retention Three Pronged Customer Acquisition, Engagement & Retention Strategy Complete Suite of Retail Assets and Liabilities Products Launch of YES Securities 3 in 1 account Credit Cards with 7 variants Multiplier effect: Initial period of gestation for Retail Assets to be followed by Scale up and exponential Growth Product Core is Key Quality Core is Customer Key Quality acquisition Customer is the acquisition strategy for is the strategy for developing a developing credible credible Retail Retail Franchise Segments Focused Segmented Approach: Senior Citizens Commercial Segment Y-Cops TASC HNI YES First YES Prosperity GIB OPDT Channels Ramp up Alternate Sales Management Implementation of New CBS and Advanced CRM + Analytics systems for highly focused customer targeting and enhancing productivity of acquisition and relationship teams Digital Channels: Web/ Mobile/ Contact Centre/ ATMs/ Self Service Kiosks/ Digital Branches to be at the forefront of Acquisition, Engagement, Servicing and Retention of Customers 8

9 Products: Complete Suite of Liability Products Offering Current Account Offerings Saving Account Offerings Across All Customer Segments Current Account Offerings Global Business (Trade FX & Remittances) Smart Tally Scan Banking CMS Collections CMS Payments YES SMART SALARY TRUST ACCOUNTS Door-Step Banking Payment Gateway YES VIJAY YES HONOUR Merchant Services Savings Account Offering Across All Customer Segments 9

10 Products - Wealth Management Product Offering Wealth Management Across Three Customer Segments Owner.Promoter. O P D T Director.Top Management Wealth Advisory Services Customized Research Cross-Border Investments Dollar denominated investments Charity and donations Will writing Insurance Products Mutual Funds Systematic Investment Plans Tax Planning Securities Trading through YES Invest Gold Investment Products Money Monitor tool Insurance Mortgage Products Home Loans Retirement Planning Structured Investments Will Writing Assured return Products Mutual Funds and Insurance Investment Insights 10

11 Products: Complete Suite of Asset Products Offering Personal Loan Auto Loan/Bike Loan Loan Against Property Gold Loan Loan Against Security Construction Equipment Commercial Vehicle Financing Healthcare and Printing Equipment Finance YES KHUSHI- Affordable Housing Loans YES BANK Credit Cards 11

12 Retail Banking: Expanding the National Footprint June Branches* across key liability corridors as on Jun 30, 2016 up from 662 as of Jun 30, 2015 Total ATM network stands at 1,680 as on Jun 30, 2016, including Bunch Note Acceptors (BNA)/ Recyclers Covering all 53 Metro locations, 29 States and 7 Union Territories Higher density in top deposit centers 15 Regions 75 Cluster Hubs 180 Hubs Hub and Spoke model for faster maturity and greater efficiency of branch network Relationship Management & Service Excellence oriented strategy Substantial focus on North & West Regions (DMIC/Make in India/GIB corridor) with evolving network in South & East IBU Branch in GIFT city Rep office in Abu Dhabi Specialized Focus on Rural & Inclusive Banking Strategy A Clearly Articulated 2 Pronged Strategy: Metro + Urban & Semi-Urban +Rural to achieve 2500 Branches by FY20 12

13 Digital Banking VISION To foster CUSTOMER RELATIONSHIPS by providing CONVENIENT Banking 13

14 Service - Operations and Service Delivery Strategy Based on Twin Pillars Operational Excellence and Operational Transformation FIRST TIME RIGHT (FTR) DIGITISATION CUSTOMER CENTRIC OPERATIONAL EXCELLENCE MINIMIZE REWORK FLEXIBLE OUTSOURCING OPERATIONAL TRANSFORMATION DELIVERY OPTIMISATION AVOID MULTIPLE HANDOFF s COLLABORATIVE APPROACH 14

15 People: Human Capital Management Making YES BANK a Great Place to Work Flat Organization Structure (5 levels) Total: 16,421* Average Age University & Schools Relationship Management Preferred Employer of Choice Top: 146 Senior: Middle: 3, Facebook@Work launched in May 2016 YES BANK becomes the 1 st Bank in Asia to launch this with 100% activations within 45 days of launch YES League of Excellence an online Recognition, Appreciation & Engagement platform Structured engagement with over 1000 B-Schools 110 Y-PEPers in Q1FY17 +1,100 Y-PEPers onboard HCM Strategy Competitive C&B to attract, motivate and retain talent Professional Entrepreneurship Culture based on values to sustain competence, collaboration and compliance. Robust & Diversified Talent Acquisition World class HCM Service Delivery & Process Initiatives to continuously enhance organizational and individual productivity/effectiveness/cost management *As of June 30, 2016 Junior: 5,400 General: 6,658 Average Age 31 years Headcount increase of 1,421 in Q1 FY17 and 4,878 since Jun 30, 2015 Average vintage in YES BANK: 7 yrs for Top Management & 5 years for Sr. Management Wealth creation through ESOPs Talent acquisition from Peer Private Sector & MNC Banks Building a Leadership Supply Chain Employer Branding: Articles in print media, Participation in panel discussion, Industry awards, etc

16 Building the YES BANK Brand LARGE FORMAT EVENTS AND ADVERTISING Indian Premier League INDIA BOLE YES National campaign across print, Outdoors & digital mediums CUSTOMER AND COMMUNITY ENGAGEMENT 800+ monthly YES COMMUNITY events Product Marketing Partnership & Alliances Catchment led Engagement DIGITAL AND SOCIAL MEDIA MARKETING Brand Campaigns Online Customer Acquisition SEO /SEM Online reputation management KNOWLEDGE BANKING Knowledge Events CFO Forum B2B Blogs Publications & Newsletters Advisory to Trade Associations Broadening Customer Mindshare Building Market Share 16

17 Brand : Taking the brand a notch higher Highly Positive Campaign instilling a sense of pride and confidence in the India of today Matches YES BANK ethos as a forward looking, positive, optimistic and a proud Indian Organization Through external and internal visibility & reiteration, YES BANK has adopted the INDIA bole YES! way of life Presence across TV, Print, Outdoors, Digital & Social media Digital First Campaign launched in partnership with twitter 17

18 Risk Management Process Retail & SME Process CRM based origination Geographical Distribution Parameterized/ Score Card Underwriting Impact Reducing Adverse Selection Bias Quality underwriting with direct customer interaction Straight through processing/identify early warning triggers Process Digitization Bureau Integration (CIBIL/HUNTER) Collateralized Structures Impact Lower Customer TATs Effective fraud/risk checks Higher recovery and Lower NPA s Strong Selection Process with Portfolio Analytics and Early warning signals in conjunction with proactive problem solving approach Push towards digitization and parameterized underwriting using analytics to ensure lower customer TATs and better customer experience Robust Risk Management System in place to provide early identification of potential problem accounts 18

19 Progress Widely Recognized By Leading Agencies FORBES GLOBAL 2000 Institutional Excellence Part of Forbes Global 2000 World s Top Companies 2016 Youngest Indian Company in Forbes Global 2000 Bank of the Year, India The Banker London Strongest Bank in India by Balance Sheet The Asian Banker Awards Singapore Best Mid-Sized Bank - Overall, Growth & Asset Quality 2015 Business Today - KPMG Best Banks Annual Survey Technology, Innovation & Service Transaction Banking Award Payments Winner (Global) 2016 Best Trade Finance Bank in India Best Corporate Trade Finance Deal in India Best Cash Management Project in India 2015 The Asian Banker Achievement Awards, Hong Kong 2015 Best Corporate/ Institutional Digital Bank - India Best Information Security Initiatives Asia Pacific Global Finance Best Digital Bank Award New York India Domestic Cash Management Bank of the Year India Domestic Trade Finance Bank of the Year Asian Banking & Finance Wholesale Banking Awards Singapore 2016, 2015 Sustainability & CSR Excellence 1st and Only Indian Bank included in Dow Jones Sustainability Index New York Sustainability Award Environment Management Award Golden Peacock Global Convention London 2015 Renewable Energy deal of the Year The Asset Triple A Infrastructure Awards Hong Kong Pioneer in Emerging Markets India London Stock Exchange (LSE), London 2016 Outstanding Business Sustainability Achievement Award Karlsruhe Sustainable Finance Awards, Germany

20 Thank You 20