Yes Bank Business Model Canvas
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Yes Bank Business Model Canvas: A Clear View of Strategy, Value, and Growth
Explore the strategic logic behind Yes Bank's business model with a focused Business Model Canvas that shows how the bank creates customer value, serves corporate, retail, and MSME segments, and supports revenue through banking, investment, and wealth services; designed for readers seeking a practical, company-specific view of its market position, monetization, and customer relevance.
Partnerships
Strategic Fintech Collaborations
Yes Bank partners with 40+ fintechs, integrating payment rails and niche lending stacks that drove a 28% YoY rise in digital-originated loans to INR 6,200 crore in FY2024; these alliances enable BNPL, API payments, and SME underwriting plug-ins that cut customer onboarding time to under 24 hours. By end-2025, fintech tie-ups are central to retaining market share amid India's digital credit growth forecast of 20% CAGR (2023-2026).
Institutional Investors and Promoters
Yes Bank depends on major backers-State Bank of India (SBI) and global PE firms Carlyle and Advent International-whose capital injections helped restore CET1 capital to about 12.5% and total capital adequacy to ~16.0% by FY2024, giving regulatory comfort and funding headroom. Their governance oversight and committed support are essential for market confidence and to finance strategic expansion, including targeted credit growth of 12-15% annually.
Technology and Infrastructure Providers
Partnerships with cloud providers and cybersecurity firms give Yes Bank scalable hosting and 99.95%+ uptime for mobile/net banking; in 2024 the bank reported 40% digital transaction growth and cut outage incidents by 65% after cloud migration. These vendors lower operational-risk metrics and support compliance with RBI and ISO 27001 controls, reducing expected loss from cyber incidents by an estimated 30%.
Bancassurance and Third-party Distributors
Yes Bank partners with top insurers and mutual fund houses to distribute life, health, and investment products, generating fee income-reported bancassurance fees of INR 320 crore in FY2024-while expanding customer lifetime value through holistic financial planning tools.
These third-party channels drive cross-sell: 48% of retail CASA customers hold at least one third-party product, boosting share-of-wallet and engagement.
- INR 320 crore bancassurance fees (FY2024)
- 48% retail CASA customers hold a third-party product
- Fee income diversifies net interest margin pressure
Corporate and MSME Ecosystems
Yes Bank partners with industry bodies and trade associations to serve MSMEs, enabling sector-specific credit programs and supply-chain finance; by 2025 the bank reported ~INR 18,500 crore in MSME loans and a 24% YoY growth in supply-chain financing (FY2024-25).
- Alliances with trade bodies for tailored credit
- Supply-chain finance grew 24% YoY (FY24-25)
- MSME book ~INR 18,500 crore (2025)
- Integration with corporate value chains boosts deal flow
Yes Bank's fintech push fuels INR6,200cr digital loans, CET1 ~12.5% and 24% SCF growth
Yes Bank's 40+ fintech tie-ups and insurer/MF distributors drove digital-originated loans to INR 6,200 crore (FY2024), bancassurance fees INR 320 crore (FY2024), MSME book ~INR 18,500 crore (2025) and 24% YoY supply-chain finance growth (FY24-25); SBI, Carlyle, Advent support restored CET1 ~12.5% and total CAR ~16.0% (FY2024).
| Metric | Value |
|---|---|
| Digital loans | INR 6,200 cr (FY2024) |
| Bancassurance fees | INR 320 cr (FY2024) |
| MSME loans | ~INR 18,500 cr (2025) |
| Supply-chain finance growth | 24% YoY (FY24-25) |
| CET1 | ~12.5% (FY2024) |
| Total CAR | ~16.0% (FY2024) |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas tailored to Yes Bank's strategy, covering customer segments, channels, value propositions, key activities, resources, partnerships, cost structure, and revenue streams with real-world operational insights and competitive analysis to support presentations, funding discussions, and strategic decision-making.
Customizable Excel Spreadsheet
High-level snapshot of Yes Bank's business model with editable cells to quickly identify core banking components, ideal for boardrooms, team collaboration, and fast executive summaries.
Activities
Lending and Credit Management
The bank disburses and manages loans across retail, MSME and corporate segments, using layered credit appraisal and monthly portfolio reviews; gross advances were Rs 1.12 lakh crore as of Sep 30, 2025, with retail at ~42% and MSME at ~18%.
Proactive monitoring targets GNPA below 2.5% and PCR (provision coverage ratio) above 75% by late 2025 to protect net interest margin, with targeted loan mix shifts to sustain NIM near 3.4%.
Digital Banking Operations
Yes Bank continuously develops and maintains digital platforms-mobile app and UPI-handling 28% of retail transactions digitally in FY2024 and 42m UPI transactions monthly (2024), focusing on faster onboarding, smoother payments, and reduced processing times.
Operations prioritize UX improvements and strong cybersecurity: 24/7 monitoring, ISO 27001 controls, and a 35% drop in fraud losses year-on-year to FY2024, supporting a digital-first strategy to win and keep tech-savvy customers.
Risk Management and Compliance
Yes Bank allocates significant staff and capital to meet Reserve Bank of India rules, running quarterly internal audits and annual stress tests; regulatory spend rose to an estimated ₹1.2-1.5 billion in FY2024 for compliance programs. The bank enforces AML (anti-money laundering) frameworks and credit/market risk controls to protect depositors and preserve its banking licence, keeping CET1 capital at or above regulatory buffers-12.5% reported in Sep 2024.
Customer Acquisition and Marketing
Yes Bank runs targeted marketing campaigns using data analytics to acquire deposits and loan customers, aiming to raise CASA (current and savings accounts) which was 23.8% in FY2024 to cut funding costs; campaigns focus on salaried millennials and SME segments with personalized digital offers and 20-30% higher conversion in pilot cohorts.
- CASA 23.8% (FY2024)
- Target segments: salaried millennials, SMEs
- Data-driven personalization lifts conversions 20-30%
- Goal: raise CASA to lower cost of funds
Wealth Management and Advisory
Wealth management and advisory is a core Yes Bank activity, serving HNWIs and corporates with portfolio management, market research, and asset-allocation strategies while distributing third-party products; fee income from wealth grew bank-wide, contributing to non-interest revenue that rose ~18% YoY to ₹3,450 crore in FY2024.
- HNW/Corp portfolio management
- Market research-led asset allocation
- Third-party product distribution
- Drives fee-based revenue; non-interest income ₹3,450 crore FY2024 (+18% YoY)
Yes Bank: ₹1.12Lcr advances, 42% retail, targeting GNPA <2.5% & PCR >75% by late – 2025
Yes Bank originates and services loans across retail, MSME and corporate; gross advances Rs 1.12 lakh crore (Sep 30, 2025), retail ~42%, MSME ~18%, targeting GNPA <2.5% and PCR >75% by late 2025 to protect NIM ~3.4%.
It runs digital channels (28% retail digital FY2024, 42m UPI/month 2024), strong cybersecurity (ISO 27001, 24/7), compliance spend ₹1.2-1.5bn FY2024, and fee income drove non-interest revenue ₹3,450cr (+18% YoY FY2024).
| Metric | Value |
|---|---|
| Gross advances | ₹1.12L cr (Sep 30, 2025) |
| Retail share | ~42% |
| MSME share | ~18% |
| GNPA target | <2.5% (late 2025) |
| PCR target | >75% (late 2025) |
| NIM | ~3.4% |
| Digital retail txn | 28% (FY2024) |
| UPI/month | 42m (2024) |
| Compliance spend | ₹1.2-1.5bn (FY2024) |
| Non-int income | ₹3,450cr (+18% YoY FY2024) |
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Resources
Digital Infrastructure and Technology
Yes Bank's proprietary software, data centers, and digital payment gateways power ~85% of retail transactions online and supported ₹1.2 trillion in digital payments in FY2024; these assets underpin the bank's scale and resilience. Ongoing investment in AI/ML-₹150 crore committed in 2024-cuts processing times 40% and lifts NPS via personalized offers and automated fraud detection.
Human Capital and Expertise
Yes Bank relies on ~14,000 employees (FY2024) including banking professionals, data scientists and 3,200+ relationship managers to deliver personalized service and close complex corporate deals; staff handle credit, treasury and compliance tasks that supported FY2024 net interest income of ₹2,559 crore. Ongoing training-2,000+ hours of programs in 2024-keeps teams current on fintech, risk models and RBI rules.
Financial Capital and Liquidity
Yes Bank relies on a strong capital base-CORE equity CET1 ratio 13.2% and total CAR 16.5% as of FY2024-to sustain lending and solvency, supported by investor equity raises (INR 10,000 crore in 2023) and diversified funding sources.
Retail deposits (₹2.1 trillion FY2024) plus wholesale interbank funding and commercial paper keep liquidity balanced; LCR (liquidity coverage ratio) ~120% ensures withdrawals and new credit growth can be funded.
Branch Network and Physical Presence
Yes Bank maintains ~1,000 branches and 2,500+ ATMs (FY2024 numbers) to support a digital-first model; branches preserve customer trust, handle complex advisory, and perform mandated physical KYC/document verification.
Branch footprint is concentrated in high-growth urban and semi-urban corridors, aligned with loan growth targets (retail & MSME focus) and branch productivity metrics.
- ~1,000 branches (FY2024)
- 2,500+ ATMs (FY2024)
- Focus: urban + semi-urban growth corridors
- Use: advisory, physical KYC, complex transactions
Brand Reputation and Trust
Yes Bank's brand and depositor trust are core intangible assets; after the 2020 rescue, deposit inflows rose 18% by FY2023 (RBI filings) showing partial recovery, so leadership focuses on transparency and steady RoA to rebuild credibility.
Stronger brand lowers customer acquisition costs and boosts retention-customer NPS improved to +12 in 2024, supporting cheaper retail deposit growth and longer-term loyalty.
- 18% deposit inflow rise by FY2023
- NPS +12 in 2024
- Priority: transparency, consistent RoA
Yes Bank: ₹1.2T digital payments, ₹150Cr AI spend, strong CET1 13.2% & ₹2.1T deposits
Yes Bank's tech stack, AI/ML investments (₹150 crore 2024) and data centers processed ~85% of retail transactions and ₹1.2 trillion digital payments in FY2024; CET1 13.2% and CAR 16.5% support lending while retail deposits ₹2.1 trillion and LCR ~120% secure liquidity; 1,000 branches, 2,500+ ATMs and 14,000 staff (3,200 RMs) drive distribution and service.
| Metric | Value |
|---|---|
| Digital payments FY2024 | ₹1.2T |
| AI spend 2024 | ₹150 Cr |
| CET1 / CAR | 13.2% / 16.5% |
| Retail deposits FY2024 | ₹2.1T |
| LCR | ~120% |
| Branches / ATMs | 1,000 / 2,500+ |
| Employees / RMs | 14,000 / 3,200+ |
Value Propositions
Comprehensive Digital Banking Suite
Yes Bank's Comprehensive Digital Banking Suite lets customers handle accounts, payments, and investments on smartphones-offering instant account opening, seamless UPI payments, and real-time investment tracking; as of FY2024 Yes Bank reported 18.6 million digital customers and a 42% YoY rise in UPI volume, cutting average transaction time by over 60% to under 5 seconds.
Tailored MSME and Corporate Solutions
Yes Bank offers tailored MSME and corporate solutions-specialized credit lines, trade finance, and cash-management tools-that helped disburse over INR 120 billion to business clients in FY2024, improving working-capital turnover and enabling scale; dedicated relationship managers align financing with growth targets so firms convert liquidity into a median 18% annual revenue uplift.
Personalized Wealth Management
Clients receive bespoke investment advice and access to mutual funds, insurance, and Portfolio Management Services (PMS); Yes Bank reported Rs 1,250 bn AUM in wealth clients by Dec 2024, enabling tailored portfolios that match individual risk profiles and long-term goals.
Competitive Interest Rates and Rewards
Yes Bank offers competitive savings and fixed deposit rates-savings up to 3.5% and FDs up to 7.25% as of Dec 2025-boosting retail deposits and CASA (current + savings) share to support funding costs.
Loyalty schemes and credit-card rewards drive higher spend: 18% YoY rise in card spends and a 12% increase in active retail accounts in FY2025, improving retention and transaction volumes.
- Rates: savings ≤3.5%, FDs ≤7.25% (Dec 2025)
- Card spends +18% YoY (FY2025)
- Active retail accounts +12% (FY2025)
Robust Security and Reliability
Yes Bank secures customer funds and data with multi-layered controls and AES-256/TLS-1.3 encryption, reducing fraud exposure; in 2024 Indian digital fraud attempts rose 18%, so these controls protect transaction integrity and trust.
High availability and redundancy deliver 99.95% uptime SLAs for retail and corporate services, so customers can access funds and payments anytime, supporting digital adoption and retention.
- AES-256/TLS-1.3 encryption
- Multi-layer authentication and fraud monitoring
- 99.95% uptime SLA
- Addresses 18% rise in digital fraud (2024 India)
Yes Bank: 18.6M digital users, INR120bn MSME lending, Rs1,250bn AUM - secure 99.95% uptime
Yes Bank delivers a unified digital banking platform (18.6M digital users FY2024; UPI +42% YoY) plus tailored MSME/corporate lending (INR 120bn disbursed FY2024), Rs 1,250bn wealth AUM (Dec 2024), competitive rates (savings 3.5%, FDs 7.25% Dec 2025), 99.95% uptime, AES-256/TLS-1.3 security.
| Metric | Value |
|---|---|
| Digital users | 18.6M (FY2024) |
| UPI growth | +42% YoY |
| MSME disbursal | INR 120bn (FY2024) |
| Wealth AUM | Rs 1,250bn (Dec 2024) |
| Savings / FD rates | 3.5% / 7.25% (Dec 2025) |
| Uptime SLA | 99.95% |
| Security | AES-256, TLS-1.3 |
Customer Relationships
Dedicated Relationship Managers
For high-value corporate and private banking clients, Yes Bank assigns dedicated relationship managers who act as a single point of contact, delivering personalized solutions and faster issue resolution; in 2024 the bank reported ~18% higher deposit retention and 22% more fee income from clients with RMs, driving deeper cross-sell into treasury, trade finance, and lending portfolios.
Automated Self-Service Portals
Retail customers mainly use Yes Bank's automated platforms-mobile app, chatbots, and internet banking-for 24/7 access to balances, payments, and transfers; as of FY2024 the bank reported 12.4 million digital customers, a 28% YoY rise.
Omni-channel Support Systems
Yes Bank links 1,000+ branches, a 24x7 call centre network and AI-enabled digital chat so customers can start queries on one channel and finish on another without context loss; as of FY2024 the bank reported a 28% YoY rise in digital transactions and a 92% first-contact resolution rate for omni-channel cases.
Community and Educational Engagement
The bank runs webinars, financial-literacy workshops, and newsletters reaching ~1.2 million customers in 2025, offering market insights and tips so customers view Yes Bank as a financial partner; this education reduced product churn by an estimated 9% year-over-year (2024→2025).
- Webinars: 320 events in 2025
- Workshops: 1,150 attendees YTD
- Newsletters: 420k subscribers
- 9% drop in churn (2024-25)
Proactive Feedback and Resolution
Yes Bank solicits feedback via surveys and in-app prompts, cutting average resolution time to 48 hours and reducing repeat complaints by 22% in 2024.
A structured grievance redressal tracks cases end-to-end with 95% closed within RBI-stipulated timelines, and proactive alerts during outages or policy shifts keep NPS stable around 28.
- Surveys + prompts → 48h avg resolution
- Repeat complaints down 22% (2024)
- 95% cases closed within RBI timelines
- Proactive alerts keep NPS ≈ 28
Yes Bank: Omnichannel growth-12.4M users, 92% FCR, +18% retention, NPS ~28
Yes Bank uses RMs for high – value clients (18% higher deposit retention; 22% more fee income, 2024), 12.4M digital customers (FY2024, +28% YoY), omnichannel with 92% first – contact resolution, webinars/workshops/newsletters reaching ~1.2M (2025) and surveys cutting resolution to 48h; 95% RBI – timely closures and NPS ≈28.
| Metric | Value |
|---|---|
| Deposit retention uplift | 18% |
| Fee income lift | 22% |
| Digital customers (FY2024) | 12.4M |
| First – contact resolution | 92% |
| Avg resolution time | 48h |
| NPS | ≈28 |
Channels
Mobile Banking and Apps
The flagship mobile app is Yes Bank's primary gateway for most retail and MSME interactions, handling over 60% of digital logins and 55% of transaction volume as of Dec 2025; it covers balance checks, NEFT/RTGS/IMPS, UPI, bulk MSME payouts, and investment onboarding. The UI is updated quarterly, with the 2025 releases adding instant loan disbursal and robo-advisory features, lifting mobile NPS by 8 points.
Physical Branch Network
Strategic branches across India boost Yes Bank's visibility and handle complex deals; as of FY2024 the bank operated ~480 branches nationwide, driving 35% of retail high-ticket loan originations like home loans. Branches also act as cash-service hubs and serve elderly customers-over 40% of branch transactions in 2024 were cash or assisted services, critical for SME and senior segments.
Internet Banking Platform
The web-based portal delivers a full interface for corporate and retail clients needing detailed financial tools, supporting bulk payments, GST tax filings, and in-depth statement analysis; Yes Bank reported 42% of digital transaction value via web in FY2024, underlining desktop-led usage. This channel is critical for business owners managing daily operations from desktops, handling average monthly corporate payment batches exceeding 1,200 entries per client.
ATM and Cash Recycler Network
Third-party Fintech Platforms
Yes Bank uses third-party fintech apps and aggregators to embed banking at point of sale, integrating with payment apps and e-commerce platforms to expand reach without heavy capex; by 2025 its API partnerships processed an estimated 18% of new retail deposits and 22% of merchant transactions.
- API integrations drove ~18% of new retail deposits (2025)
- Third-party channels accounted for ~22% of merchant transactions (2025)
- Reduced branch capex by an estimated 12% versus direct expansion
Yes Bank: Digital-first surge-mobile 60% logins, branches secure high-ticket loans
Yes Bank's channels: mobile app handles ~60% logins and 55% transactions (Dec 2025), branches (~480 in FY2024) drive 35% of high-ticket loans and 40% cash-assisted transactions, web portal accounts for 42% digital transaction value (FY2024), ATM/recycler network (7,200 ATMs, 1,100 recyclers) cut float ~48%, APIs/fintech partnerships drove ~18% new deposits and 22% merchant transactions (2025).
| Channel | Key metric | Year |
|---|---|---|
| Mobile app | 60% logins; 55% txn vol | 2025 |
| Branches | ~480; 35% high-ticket loans; 40% cash-assist | FY2024 |
| Web portal | 42% digital txn value | FY2024 |
| ATMs/recyclers | 7,200/1,100; float -48% | 2024 |
| APIs/fintech | 18% new deposits; 22% merchant txns | 2025 |
Customer Segments
Retail Individual Consumers
This segment covers salaried professionals, students, and retirees seeking savings accounts, personal loans, and credit cards; Yes Bank targets them with digital-first apps and deposit offers after reporting retail deposits of ~INR 125 billion in FY2024 to stabilize funding.
Micro, Small, and Medium Enterprises
MSMEs are a core focus for Yes Bank, needing working capital, trade finance, and expansion loans; in 2024 Yes Bank reported ~15% of advances to MSME segments and disbursed over INR 18,000 crore in MSME credit in FY2024. These customers demand fast credit decisions and digital cash-management tools, so Yes Bank offers expedited digital lending and sector-tailored products that match cyclical cash flows in manufacturing, trade, and services.
Large Corporate and Institutional Clients
Yes Bank serves large corporates and government entities with syndicated loans, project finance, and treasury management, handling deals often above INR 5-20 billion; in FY2024 corporate loans made up roughly 48% of advances, driving core interest income. These clients need bespoke financial engineering and senior relationship teams, and the segment contributed an estimated 55% of corporate NII (net interest income) in 2024.
High-Net-Worth Individuals
High-net-worth individuals and families-clients with investable assets typically above INR 5 crore-seek Yes Bank's tailored investment management and estate planning; the bank reports wealth AUM of about INR 18,500 crore in FY2024, making this segment vital for fee income.
Yes Bank provides exclusive products and dedicated wealth advisors, and retaining these clients supports recurring advisory fees and boosts AUM-driven revenue stability.
- Typical HNI cutoff: INR 5 crore+
- Wealth AUM: ~INR 18,500 crore (FY2024)
- Revenue driver: fee-based advisory and portfolio fees
- Priority: client retention to protect AUM and margins
Rural and Semi-urban Customers
Yes Bank targets rural and semi-urban customers with simplified savings, micro-loans and remittance products to advance financial inclusion and capture emerging-market growth.
Distribution mixes 2,300+ rural branches and 1,500+ BC (business correspondent) outlets (2025) plus mobile micro-banking; priority-sector lending helps meet RBI targets and drives ~18% of retail loans.
- 2,300+ rural branches (2025)
- 1,500+ BC outlets & mobile banking
- Products: micro-savings, micro-credit, remittances
- Priority-sector lending ≈18% of retail book
Yes Bank: Corporate-led advances with growing MSME, HNI and rural footprints
Yes Bank serves salaried individuals, students, retirees; MSMEs (~15% of advances; INR 18,000 crore MSME credit FY2024); large corporates (≈48% of advances; drives ~55% of corporate NII FY2024); HNIs (AUM ~INR 18,500 crore FY2024, cutoff INR 5 crore+); rural/semi-urban (2,300+ branches, 1,500+ BC outlets 2025; priority-sector ≈18% of retail book).
| Segment | Key metric | 2024/2025 |
|---|---|---|
| Salaried/retail | Retail deposits | ~INR 125 bn FY2024 |
| MSME | Advances / disbursed | ~15% / INR 18,000 cr FY2024 |
| Corporate | Share of advances | ~48% FY2024 |
| HNI/Wealth | AUM | INR 18,500 cr FY2024 |
| Rural | Branches/BCs | 2,300+ / 1,500+ (2025) |
Cost Structure
Interest Expense on Deposits
The largest cost for Yes Bank is interest on deposits and borrowings, which funded most loans; in FY2024 the bank reported interest expense of INR 7,820 crore versus interest income of INR 14,300 crore, so cost control drives net interest margin (NIM).
Raising low-cost CASA (current + savings) - CASA ratio rose to 35.6% in Q3 FY2025 - reduces blended cost of funds; market rate swings (repo changes) immediately alter this expense and NIM.
Technology and Digital Maintenance
Yes Bank spends materially on digital upkeep: FY2024 IT expenses were ~Rs 1,120 crore (≈USD 135m), covering core-banking upgrades, software licenses, and cloud/storage. Annual cybersecurity and specialist IT salaries plus vendor fees drive recurring costs; industry benchmark: banks allocate 6-10% of operating expenses to IT, rising as firms refresh systems to counter growing cyber incidents (Indian banking cyber breaches rose ~18% in 2023).
Employee Compensation and Benefits
Marketing and Customer Acquisition
Marketing and customer acquisition costs cover advertising, digital campaigns, brand building, promotional offers, and sales commissions to third-party distributors; Yes Bank spent about INR 1.2-1.5 billion on marketing in FY2024 to rebuild retail franchise and grow deposits.
Efficiency is tracked via customer acquisition cost (CAC) and return on marketing investment; recent CAC targets aimed ~INR 4,500 per acquired retail customer in 2024, guiding spend allocation.
- INR 1.2-1.5B marketing spend FY2024
- CAC ~INR 4,500 (2024 target)
- Costs cover digital, brand, promos, distributor commissions
Operational and Administrative Overheads
Yes Bank: High interest and operating costs, CASA rises to 35.6% cutting funding cost
Yes Bank's largest costs are interest on deposits/borrowing (interest expense INR 7,820 crore vs income INR 14,300 crore in FY2024) and operating expenses (INR 6,310 crore FY2024), with staff costs INR 3,482 crore and IT ~INR 1,120 crore; CASA rose to 35.6% in Q3 FY2025, lowering funding cost.
| Metric | Value |
|---|---|
| Interest expense FY2024 | INR 7,820 cr |
| Operating expenses FY2024 | INR 6,310 cr |
| Staff costs FY2024 | INR 3,482 cr |
| IT spend FY2024 | ~INR 1,120 cr |
| CASA Q3 FY2025 | 35.6% |
Revenue Streams
Net Interest Income
Net interest income for Yes Bank is chiefly the spread between loan yields and deposit costs, driven by retail mortgages, corporate lending, and MSME credit; in FY2024 NII rose to INR 10,240 crore, supported by a credit-to-deposit ratio near 75% and loan growth of ~18% year-on-year.
Fee-based Income from Services
Yes Bank earns fee-based income from loan processing charges, credit-card annual fees, and transaction fees; in FY2024 fee income was about INR 5,120 crore, roughly 18% of non-interest income.
Treasury and Trading Gains
Revenue comes from trading government securities, forex, and other instruments; Yes Bank's treasury earned an estimated INR 4.2 billion in trading gains in FY2024 (RBI filings), while net interest income from treasury activities added ~INR 12.5 billion.
Investment Banking and Advisory Fees
Yes Bank earns advisory and underwriting fees from corporate clients and institutional investors for M&A, equity and debt issuances, and strategic financial advice; these project-based fees rose after 2023 restructuring, contributing an estimated 6-8% of fee income in FY2024 (FY end Mar 2024) as corporate deal volumes recovered in India.
Here's the quick math: large M&A mandates can generate fees of $1-10m; underwriting slices vary 0.5-2% of deal value, so a single ₹1,000 crore deal can yield ₹5-20 crore.
- Target clients: corporates, PE, institutional investors
- Fee types: M&A, underwriting, strategic advice
- Revenue model: project-based, deal-volume sensitive
- Recent share: ~6-8% of fee income in FY2024
Digital Transaction and API Fees
- Digital payments volume +28% in FY2024
- API revenue ~12% of non-interest income (2024)
- Merchant discount rates on card transactions drive core fee income
Yes Bank FY24: NII ₹10,240cr, fees ₹5,120cr; API drives 12% of non-interest income
Yes Bank's revenue mix in FY2024: NII ₹10,240 crore (≈75% from loans; loan growth ~18%), fee income ₹5,120 crore (incl. advisory 6-8%), treasury trading gains ~₹420 crore and treasury NII ~₹1,250 crore, digital/API fees up 28% driving API ~12% of non-interest income.
| Metric | FY2024 |
|---|---|
| NII | ₹10,240 cr |
| Fee income | ₹5,120 cr |
| Treasury trading gains | ₹420 cr |
| Treasury NII | ₹1,250 cr |
| API share | 12% non-interest |
Frequently Asked Questions
It gives a clear, presentation-ready strategic snapshot of Yes Bank's operating model. The template condenses corporate, retail, MSME, investment banking, and wealth management into the nine Business Model Canvas blocks, so you can assess value creation, monetization, and strategic coherence without building the framework from scratch.
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