Yes Bank Share Price

Yes Bank Ltd was incorporated on 2nd November 2003 and is headquartered in Mumbai, Maharashtra. Promoted by Yes Capital and a consortium of Indian and foreign institutional investors, it is listed on both the National Stock Exchange (YESBANK) and Bombay Stock Exchange (532648). Positioned as a full-service commercial bank, Yes Bank offers a wide array of banking solutions, including corporate and institutional banking, retail banking, microfinance, and structured finance. Following its 2020 restructuring under the Reserve Bank of India (RBI) with T. V. Narendran (Tata Sons) and State Bank of India as anchor investors, Yes Bank has re-established its presence as a resilient private sector player in India’s financial sector.

Yes Bank Business Segments and Revenue Model

Yes Bank’s operations are spread across multiple verticals: Corporate & Investment Banking, Retail Banking, Co‑lending & Microfinance, Small and Mid‑Size Enterprise (SME) Banking, Treasury & Financial Markets, and Digital Banking. It also has dedicated divisions for cards, wealth management, and bancassurance. Revenue is derived primarily from net interest income (margin between borrowing and lending rates), supplemented by fee-based income – including processing fees, advisory charges, wealth management, FX trading, and digital transaction charges. In digital banking, Yes Bank leverages platforms like YES Mobile and YES Online to drive transaction volumes. In collaboration with fintech partners, it expands income via co-lending, marketplace loans, and embedded banking services.

Yes Bank Key Milestones

• 2003: Founded as a new-generation private sector bank.
• 2005: Listed on NSE and BSE, raising capital to fuel growth.
• 2009: Crossed ₹1 lakh crore loan book, entered rural microfinance and SME segments.
• 2013: Launched YES First – a premium banking division for high-net-worth individuals.
• 2017: Rollout of YES Growth, a digital-first platform for retail and MSME customers.
• 2018-19: Aggressive expansion in corporate lending; stressed over asset quality by 2020.
• 2020: RBI imposed moratorium, with SBI-led rescue and restructured capital infusion totalling ₹10,000 crore.
• 2021: T. V. Narendran as non‑executive Chairman; stabilised asset quality and leadership.
• 2022: Turned profitable; asset quality improved as gross NPAs fell below 3%.
• 2023: Launched co-lending partnerships with fintech firms; rolled out YES BIS – banking assistant services.
• 2024: Introduced new-age products like digital loans and green finance; focus on sustainable banking.
• 2025: Reported advances of ₹2.4 lakh crore and deposits of ₹2.8 lakh crore, marking a full turnaround.

Yes Bank ESG and Sustainability

• Focus on sustainable lending, including green loans and renewable energy financing.
• Enhanced financial inclusion through micro-loans and rural credit initiatives.
• Targets to reduce its own carbon footprint by 30% and paper use by 25% by 2030.
• Invests in community programmes in education, women entrepreneurship, and digital literacy.
• Governance reforms post-2020 include improved risk management, diversified board, and stronger internal controls.

Yes Bank Awards and Recognitions

• Named “Turnaround Bank of the Year” by Asian Banking & Finance in 2022.
• Recognised for Digital Innovation in Retail Banking by Global Finance.
• Winner of the Golden Peacock Award for Corporate Governance (2023 edition).
• Honoured with awards for microfinance initiatives and customer service excellence.
• Featured among “Best Banks to Work For” by Business Today for employee welfare and culture.