yes bank project report

To help you with a project report on Yes Bank, I need to know the scope or purpose of the report. For example:

Is this a college/university project?

Should it focus on financial analysis, marketing strategy, business model, digital transformation, case study of crisis and recovery, or a general overview?

Do you need it in a Word document, PDF, or just text here?

Assuming you want a general project report on Yes Bank, including its background, financial performance, crisis and recovery, here is a basic structure and a detailed report draft.

📘 Yes Bank Project Report
1. Introduction

Yes Bank is a prominent private sector bank in India, headquartered in Mumbai. It was founded in 2004 by Rana Kapoor and Ashok Kapur. Known initially for its aggressive corporate lending strategy, Yes Bank quickly became one of India’s fastest-growing banks. However, it faced a severe financial crisis in 2020 due to mounting bad loans and governance issues. The bank has since undergone restructuring and recovery under the guidance of the Reserve Bank of India (RBI).

2. Objectives of the Study

To understand the business model and services of Yes Bank.

To analyze the financial performance of the bank.

To study the crisis faced by Yes Bank and the measures taken for revival.

To assess current developments and future prospects.

3. Company Profile
Particulars Details
Name Yes Bank Limited
Founded 2004
Founder Rana Kapoor, Ashok Kapur
Headquarters Mumbai, Maharashtra, India
CEO (as of 2025) [Use web tool if current info needed]
Industry Banking, Financial Services
Services Retail Banking, Corporate Banking, Investment Banking, Digital Banking
4. Business Model

Yes Bank operates primarily in:

Retail Banking

Corporate Banking

Digital Banking & FinTech Services

Treasury Operations

Its revenue streams include:

Interest income from loans

Fees from banking services

Investment and trading income

5. Financial Performance (Brief Overview)
Year Net Profit (₹ Cr) Gross NPA (%) Total Assets (₹ Cr)
2019 1,709 3.22% 380,000
2020 -16,432 (loss) 16.80% 357,000
2021 2,234 15.40% 370,000
2022 1,066 13.90% 379,000
2023 [Insert if available] [Insert] [Insert]

Note: Post-2020, the bank saw recovery efforts supported by RBI and other financial institutions like SBI and ICICI Bank.

6. Yes Bank Crisis (2020)

Key Issues:

Excessive exposure to stressed corporates (e.g., DHFL, IL&FS, Anil Ambani Group).

Rising NPAs (Non-Performing Assets).

Governance concerns and lack of transparency.

Failure to raise adequate capital.

RBI Intervention:

In March 2020, RBI placed Yes Bank under moratorium.

A reconstruction scheme was implemented.

SBI and other banks infused capital to stabilize operations.

Rana Kapoor was arrested for money laundering.

7. Recovery and Turnaround Strategy

Capital infusion of ₹10,000+ crore by SBI and other banks.

Appointment of new board and leadership.

Focus shifted to retail and MSME banking.

Emphasis on digital banking (YES Mobile, YES Robot).

Improvement in risk management and corporate governance.

8. SWOT Analysis

Strengths:

Strong digital presence.

Backing of major banks post-revival.

Diversified product portfolio.

Weaknesses:

Damaged brand reputation post-crisis.

High NPAs still being resolved.

Opportunities:

Growing digital banking demand.

Potential to grow in retail and MSME segments.

Threats:

Competition from private and fintech banks.

Regulatory pressure and compliance burden.

9. Conclusion

Yes Bank's journey is a case study in rapid growth followed by mismanagement, crisis, and recovery. The bank has shown resilience and is gradually regaining trust under new management. With strong backing and a restructured business model, Yes Bank aims to reclaim its position among leading private banks in India.

10. Bibliography / References

Yes Bank Annual Reports (2018–2024)

RBI Reconstruction Scheme (2020)

Business Standard, The Economic Times, Livemint

Company website: https://www.yesbank.in