YES BANK through its Responsible Banking (RB) strategy addresses the continuum of sustainable finance in India, engendering value creation through customized financial solutions for a range of issues including financial inclusion, social infrastructure, climate change and renewable energy, among others.

The Bank has also successfully woven a triple bottom line due-diligence into its risk management structure enabling it to maintain one of the lowest non-performing assets in the Indian banking industry. The Bank is also conscious of its carbon-footprint and has installed a Greenhouse Gas (GHG) management tool, developed in-house, to help measure, monitor and reduce its emission. YES BANK, therefore, approaches sustainability neither from a special interest perspective nor from a principle of charity but as a clear recognition of the business case for sustainability: recommends business solutions to development issues that are economically and socially viable, and help in reaching/serving communities hitherto untapped by mainstream financial institutions.

Our business philosophy is cognizant of the needs of the Indian society where business, social and development agendas are interwoven. Resource scarcity, poverty, financial inclusion, green innovation and infrastructure are material to our society, and also to YES BANK.

The RB practice is one of the key differentiators at YES BANK that is motivated towards developing innovative business solutions to tackle social and environmental challenges. The practice operates at two strategic levels:

Responsible Banking in Thought – a think tank incubating ideas and identifying sustainability markets which guide the Bank's overall approach. The continuum ranges from thought leadership (knowledge exchange and innovation), stakeholder engagement, strategic support, policy formulation, research and advisory.

Responsible Banking in Action – consists of business verticals that are equipped with domain experts to create and service new market opportunities along the sustainability spectrum. These units continually work in close association with other parts of the Bank creating an effective network of sustainable business solutions to address developmental concerns and include the following:

Agri & Rural Banking (ARB) – provides financial services to small/marginal farmers and rural artisans with limited or no access to formal financial institutions.

Microfinance Institutions Group (MIG) – provides financial services to Microfinance Institutions (MFIs) and the affordable housing segment.

Sustainable Investment Banking (SIB) – fills financial advisory gap for environmental and social businesses through capital raising, M&A, restructuring, JV advisory and technology transfer/international collaboration.

Inclusive and Social Banking (ISB) – champions financial services models in the BOP segment towards direct microcredit, saving and insurance in urban, semi-urban & rural markets and micro-remittances.

Socially Responsible Investing (SRI) – comprises of two funds namely Tatva and South Asia Clean Energy Fund (in collaboration with Global Environment Fund USA) that are focused on social and environmental enterprises.