YES Bank offers a wide range of banking and financial services to retail customers, small & medium businesses, and corporates. Some of the key segments:
Retail banking — savings, deposits, loans (home, car, personal, etc.).
SME/MSME banking.
Corporate & wholesale banking — working capital, trade finance, term loans, foreign currency products. Treasury operations.
Investment banking / advisory; wealth management; cards (debit/credit); digital banking, mobile/online services.
They also have subsidiaries in securities, asset management, trustee services.
As of latest data, approx 1,198 branches Over 1,287 ATMs across India.
Present in many districts (300+ districts) and >700 cities.
Started in 2003 after founders came out of an earlier joint initiative (Rabo India Finance).
Went public in mid-2000s (IPO in ~2005). Experienced strong growth, becoming a prominent private bank in India. However, by 2019-2020, YES Bank faced serious financial difficulty: large non-performing assets (NPAs), inability to raise capital, withdrawals by depositors, rating downgrades. In March 2020, the Reserve Bank of India (RBI) intervened: superseded the board, imposed moratorium, reconstruction scheme.
A number of big banks, including State Bank of India (SBI), HDFC Bank, ICICI, Axis etc., participated in capital infusion under the reconstruction plan.
SBI is a major shareholder (~23.99%).
Other institutional / foreign investors also hold significant stakes (e.g. Carlyle Group, Advent International)
Large retail shareholder base.
SMBC (Sumitomo Mitsui Banking Corporation, Japan) has acquired a ~20% stake in YES Bank.
Also, SMBC is buying additional shares from other shareholders (e.g. Carlyle affiliate) to increase its holding.
The bank had a serious crisis because of bad loans / NPAs, which led to regulatory intervention. Managing asset quality remains crucial.
Profitability had declined in earlier years; recovery involves rebuilding trust, capital adequacy, and regulatory compliance.
Competition in Indian banking is high, especially in retail / digital banking.