“Calamities: Nature or Human Action? - Challenges and Responsibilities ”

1. “Calamities: Nature or Human Action? - Challenges and Responsibilities” Tushar Pandey Senior President and Country Head Public and Social Policies Management YES BANK Ltd. Photo credits :Mark Horrell

2. Human Action and Climate Change Climate Change • “human influence has been the dominant cause of global warming” • - Intergovernmental Panel on Climate Change Human Influence Fossil fuel burning Industrialization Energy Production Urbanisation Agriculture Transport Natural Calamities and Disaster Loss of human life, disrupts infra, business etc. Poverty reduces the capability to cope up with disasters Poor face the brunt of climate change . Climate Change Challenge - Coping Climate Change Imperative to ensure Responsible and Inclusive Development

3. Attitude towards Climate Change • Over exploitation of resources • Financial Profit • Economic Loss Energy Consumption – sector-wise • Increased emission and environment degradation • Loss – human life , infrastructure, business est. etc. • Climate Change and calamities Source: YES BANK ANALYSIS Source: CAIT, 2012

4. Responsibility Economic growth is a priority – pulling millions out of poverty Balancing Development Climate Change Mitigation and Disaster management is a collective responsibility cutting across all sectors of society, governments and agencies etc Value Creation Green Jobs Clean Practices Sustainable development World Bank Estimates – Poverty head Count-394 million (People living on less than $1.25 a day) India CO2e emissions - 2,008,823 kt (World Bank, 2010) Responsible development Source: YES BANK ANALYSIS

5. Mitigation and Adaptation • Adaptation • National Policies - • Industrial Policies • National-level institutional capacity-building • CSR • R&D – technologies , processes etc. for reducing emissions and Carbon sequestration • EE building and appliances • ISO14001 • Skill Development • Benchmark for Services and infra provisions • PROVIDE ENABLERS • Technological and Institutional Innovations- technology transfer, R&D, extension • Education and Training- skill development, (re-)training • Health Services and Social Protection- healthy operational labour force, social safety nets • Transport and Communications – Energy efficient technologies formobility of people, goods, services, information • Energy, water, natural resource - efficiency of use • Market- market infrastructure, economies of scale, value-addition, trade • Finance and Banking - credit, banking, investment, remittances, insurance Climate Change Indentify Vulnerable Sectors For instance – Agriculture, Tourism, Energy Diversify the Economy systems that are resilient yet sufficiently flexible that they enable people to respond to change. Climate Leadership is important to mitigate climate change and disaster Source: YES BANK analysis, and Pres - Social Dimensions of Economic Diversification in the Context of Climate Change , Institute for Social & Environmental Transition (ISET)

6. Climate Finance Government Budget Multi-lateral Financial Institutions Bi-lateral Financial Institutions UNFCCC • Disaster Management • National Disaster Response Fund • State Disaster Response Fund • Calamity Relief Fund (CRF) Official Development Assistance New and additional Climate Finance Carbon Markets • Financing • Concessional assistance to projects that endeavor to reduce carbon emissions • Risk guarantees for lending to energy efficient projects • Programs to help consumers purchase more energy-efficient homes and appliances, and to invest their deposits in more climate-favorable ways • Finance for renewable and clean energy projects. • Provision for lending under PSL Capital Markets Substantial funding from the private sector is needed

7. Public Private Partnership (PPP) • Promote involvement of relevant stakeholders such as private sector associations, chambers, NGO’s, medical institutions, NDMA & standards organization to identify opportunities in joint projects • Evolve National framework for PPP for disaster risk reduction and management • Identify key lifeline sectors such as Electricity, Telecommunication, transport etc. which can be vital player in disaster risk reduction. Develop emergency response and resistance against possible disasters through PPP. • Leverage private sector expertise - software services (GIS) and database management systems, simulations (e.g. seismic studies) and web based dissemination regarding disaster and link it with information dissemination mechanism such as coastal sirens, wireless & radio technologies • Invest in R&D - research in fields related to disaster management, such as critical infrastructure protection and public administration, evolving role of public-private partnerships. • Encourage CSR initiatives towards disaster mitigation along with government programs. Example - human resource development • Awareness workshops • Strategic planning efforts from both businesses and governments • Smooth operations of disaster management • Quick adoption of best practices • Example - After Hurricane Katrina struck the Gulf Coast in 2005, Wal-Mart played a vital part in distributing relief supplies to Gulf residents.

8. Community based Disaster Risk Reduction (DRR) Knowledge Banking Risk assessment and identification and the establishment of community-based early warning and prediction Community-based disaster preparedness Advocacy, education and awareness-raising Concerted efforts by local and national governments Partnerships with international, governmental, non-governmental and community-based organizations 1. SOCIAL EQUITY Advisory , best practices Community Empowerment Capacity building Community Infrastructure Skill Training Establish disaster response teams Disaster response plan with strategies for long term disaster risk reduction Private Sector 2. CSR NGO – facilitator 3. Government 4. Example – DRR part of school curriculum contribute resources Local Community 5. Stakeholder Source: YES BANK analysis

9. Disclaimer YES BANK Limited Corporate Headquarters : Nehru Centre, 9th floor, Discovery of India, Dr. A.B. Road, Worli, Mumbai – 400 018, India. Tel: +91 (22) 6669 9000  Fax: +91 (22) 2490 0314 Public and Social Policies Management Group Tushar Pandey , Senior President and Country Head E-mail-tushar.pandey@yesbank.in Tel: + 91 11 6656 9056 About YES BANK YES BANK, India’s new age private sector Bank, is the outcome of the professional commitment of top management team, to establish a high quality, customer centric, service driven, private Indian Bank catering to the “Future Industries of India”. YES BANK has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers. A key strength and differentiating feature of YES BANK is its knowledge driven approach to banking and an unprecedented customer experience for its retail and wealth management clients. YES BANK is steadily building Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Business (SME) and Transactional Banking, Retail Banking and Wealth Management business lines across the country. YES BANK has institutionalized YES International Banking that offers a complete suite of international banking products and services, driven by state-of-the-art technology, which includes Debt, Trade Finance, Corporate Finance, Investment Banking and Business Advisory Services, Treasury and Global Indian Banking. The Bank’s constant endeavor is to provide a delightful banking experience expressed with simplicity, empathy and totality.

10. Disclaimer YES BANK Limited Registered & Corporate Office: Nehru Centre, 9th Floor, Discovery of India, Worli, Mumbai 400018 Tel: + 91 22 6669 9000; Fax: + 91 22 6669 9018 Northern Regional Corporate Office: 48 NyayaMarg, Chanakyapuri, New Delhi 110 021 Tel: + 91 11 6656 9000; Fax: +91 11 4168 0144 Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements", and future developments and the competitive and regulatory environment. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India. This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes. This presentation can not be copied and/or disseminated in any manner.