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Environmental and Social Risk Management

A structured approach that scrutinizes day-to-day banking activities while keeping a check on the environment and society

Environmental and Social Risk Management

Establishing a framework to recognize, evaluate, monitor and manage the environmental and social facets in day-to-day decision-making process has assumed critical importance for banks. It is imperative for banks to consider the triple-bottom-line approach in making credit decisions.

In line with its Responsible Banking strategy and practices, YES BANK takes a precautionary approach to environmental and social impacts of its lending activities.

YES BANK, since 2006, has implemented an Environment and Social Policy which is a structured approach towards responsible lending. Through this policy, the Bank integrates environmental and social risks into its overall credit risk assessment framework. The Bank has voluntarily adopted the policy which is based on international frameworks such as the Equator Principles and IFC guidelines.

The Environment and Social Policy is a crucial part of the Bank’s credit risk appraisal process, which goes beyond the realm of financial risk mitigation.


The Summary of YES BANK’s Environmental & Social Policy may be downloaded here.

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