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YES BANK is a full service commercial bank that offers Corporate Banking, Investment Banking, and Personal Banking

services across India.

Indias new age private sector Bank, is a state-of-theart high quality, customer-centric, service-driven Bank catering to the Future Businesses of India Promoter & Founder-Dr. Rana Kapoor and his top management team

Indias fourth largest private sector bank (by balance sheet dated March 31, 2012). BANK has a widespread branch network of over 380 branches across 275 cities, with 650+ ATMs and 2 National Operating Centres in Mumbai and Gurgaon. Vision of Building the Best Quality Bank of the World in Indiaby 2015.



sustained growth of YES BANK is based on the key pillars of Growth, Trust, Technology, Human Capital, Transparency & Responsible Banking.
YES BANK has a knowledge driven approach to banking, and a superior customer experience for its retail, corporate and emerging corporate banking clients.

Founded in November 2003 by Rana Kapur and Ashok Kapur. Initial capital of $45 million Growth at dramatic pace In 2010:153 branches,3024 employees,a balance sheet of $8.1 billion,net income of $ 303.7 million and return on equity of 23.7%

Yes bank focus on 4 pillars:

Financial markets,investment banking,transaction banking and corporate finance.

Post Independence Fundamental Reforms in Banking Sector. Banking Regulation Act 1949 RBI to supervise and regulate all banking activities. Nationalization of Banks 1969 14 Largest commercial banks were nationalized. Third Major Reform 1977 Branch licensing Policy To Expand Reach to the masses.

1985-1997 : Branch network grew by 16 % in Rural areas.

Post 1991 Crisis Deregulation of Financial Sector. 2009-10 Survey India has 76 Commerical banks(27 public sector , 22 Pvt Banks, 27 Foreign Banks). Public sector banks holdings 75% of financial sectors assets. SBI Largest bank , 9034 Branches, 1/5 of total loans in 2010. Yes Bank 6th largest Pvt sector Bank. Largest - ICICI

Divided into four parts-: Agribusiness, Rural and Social Banking Microfinance Sustainable Investment Banking Responsible Banking


was to fulfill RBIs PSL requirement.

without fulfilling PSL target they cant expand their business. tie up with Kashmir Apiaries Export (KAE) and Jain Irrigation System Limited.


2007 bank decided to reach microfinance client directly. initiative called YES SAMPANN. joint venture with ACCION At the end of 2009, It operated 4 branches and had 4495 active borrowers

every time when YES SAMPANN wanted to open a new branch they are required to get approval from RBI.


SIB group was called as S3IB Offered services to business which were either small, social or sustainable Targeted social driven companies in the field of education, energy, healthcare etc. In 2009 Yes bank approached Greenko which were the producer of small hydro ,solar and windpower assets in India. Greenko was looking for $8 million in debt , Yes Bank offered to raise $90 million through mix of equity and debt to finance 400 MW of fresh capacity , four times company goal.


2014 Greenko expected to generate 1000 MW of renewal energy. Yes bank became the sole underwriter of Greenko.

Once they identify a particular area, then they set up a specialized business unit to create a viable business for the bank


with Nokia and Obopay Mobile banking in 2009 200 million bank accounts in India and we have 500 million mobile users Yes-MMS , the program consisted of Nokia Cell phone with the prembedded application. When customer buy cell phone at nokia distributor with the sim card and the distributor use to open a YES Bank account. So there was cross selling of products.


received the fee according to the

service Nokia profit was customer generation Transaction limit for mobile banking was resticted to $1000 per year

Bank identified target villages within 30 km radius of existing rural/semi urban branches. Recruited potential parties that could serve as BC for Bank Bank paid BC on commission Basis BC includes non profit organizations, Individual shop owners etc BC work was identification of borrowers, processing and verification of loans applications and loan recovery Also includes credit and non credit products such as remittances,saving acounts,micro finance