Wallets/yes-bank
Yes Bank
0 standards supported
Overview
Yes Bank is an Indian private sector bank + survived Mar 2020 RBI-imposed moratorium + reconstruction via SBI-led consortium 2020 emergency bailout + post-Sep 2025 SBI ₹8,889 crore 13.18% stake sale to SMBC → SMBC 24.9% Yes Bank largest shareholder [1, 2, in-cro]. 2025 baseline: Yes Bank operates in retail + MSME + Corporate banking sectors from 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities; Sumitomo Mitsui Banking Corporation (SMBC) poised to invest additional ₹160bn (~$1.83bn) in Yes Bank as combination of equity + debt to enhance the bank's financial standing.
Distinctive Yes Bank positioning [1, 2, 3, 4]:
- Indian private sector bank + 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities
- Survived Mar 2020 RBI-imposed moratorium + reconstruction via SBI-led consortium 2020 emergency bailout — distinctive Indian banking near-failure + reconstruction survival
- Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore + SMBC 24.9% Yes Bank largest shareholder post-sale — distinctive Indian-Japan banking strategic ownership transfer
- SMBC poised to invest additional ₹160bn (~$1.83bn) in Yes Bank as combination of equity + debt — distinctive SMBC Yes Bank capital injection (anticipated to enhance bank's financial standing)
- 2004 Yes Bank founding by Rana Kapoor + Ashok Kapur — distinctive Indian private sector banking heritage
- Mar 5 2020 RBI imposes moratorium on Yes Bank + Mar 13 2020 SBI-led consortium reconstruction scheme (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC) → distinctive Indian banking emergency bailout (largest Indian banking emergency rescue at the time)
- YES SECURITIES OMNI App distinctive Indian retail investor demat account app
History
Nov 2003 — Yes Bank founded by Rana Kapoor + Ashok Kapur in Mumbai, India — distinctive Indian private sector banking heritage.
May 1 2004 — Yes Bank starts operations as Indian private sector bank.
Jun 21 2005 — Yes Bank IPO on NSE + BSE.
Sep 1 2018 — RBI denies Rana Kapoor extension as Yes Bank CEO → Yes Bank governance crisis begins.
Mar 5 2020 — RBI imposes moratorium on Yes Bank → Indian Yes Bank emergency.
Mar 13 2020 — SBI-led consortium reconstruction scheme (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC) → distinctive Indian banking emergency bailout (largest Indian banking emergency rescue at the time).
Sep 2025 — SBI sells 13.18% Yes Bank stake to Sumitomo Mitsui Banking Corporation (SMBC) for ₹8,889 crore → SMBC 24.9% Yes Bank largest shareholder post-sale [1, 2].
2025 — Sumitomo Mitsui Banking Corporation (SMBC) poised to invest additional ₹160bn (~$1.83bn) in Yes Bank as combination of equity + debt → anticipated to enhance bank's financial standing [3].
Ownership & operator
Operating entity: Yes Bank Limited (NSE: YESBANK; BSE: 532648).
Major shareholders: Sumitomo Mitsui Banking Corporation (SMBC; Japan; 24.9% post-Sep 2025 SBI 13.18% stake sale + SMBC pre-sale stake; SMBC pledged additional ₹160bn investment) + SBI (State Bank of India; post-Sep 2025 13.18% stake sale; remaining post-2020 SBI-led consortium reconstruction stake) + foreign + Indian institutional + Indian retail public float.
Regulator: RBI (Reserve Bank of India).
Technical integration
Yes Mobile mobile banking app (iOS + Android) + yesbank.in online + Yes Bank cards (Visa + Mastercard + RuPay) + Yes Bank 1,192 Indian branches + 1,301 ATMs + cash recyclers in 700+ Indian cities; UPI + Bharat QR + IMPS + NEFT + RTGS; YES SECURITIES OMNI App distinctive Indian retail investor demat account app + Yes Bank corporate banking + Yes Bank MSME banking + Yes Bank private banking.
Users & growth
2025: Yes Bank 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities + retail + MSME + Corporate banking sectors.
Use cases
Indian retail + private + corporate + MSME + investment + insurance banking via Yes Mobile + yesbank.in online + cards + branches; UPI + Bharat QR + IMPS + NEFT + RTGS; YES SECURITIES OMNI App distinctive Indian retail investor demat account app + Yes Bank corporate banking + Yes Bank MSME banking + Yes Bank private banking.
Implementations & partners
Operator: Yes Bank Limited (NSE: YESBANK; BSE: 532648); Sumitomo Mitsui Banking Corporation (SMBC; Japan; 24.9% post-Sep 2025 SBI 13.18% stake sale + SMBC pre-sale stake) + SBI (post-Sep 2025 13.18% stake sale; remaining post-2020 reconstruction stake).
Subsidiaries: YES SECURITIES (Indian retail investor demat account broker; YES SECURITIES OMNI App distinctive) + YES BANK Capital Markets + YES Asset Management India + YES BANK Trustee Company.
Major Indian banking competitors: [[hdfc-bank]] (India #1 private; 2023 HDFC Limited reverse merger) + [[icici-bank]] (India #2 private; iMobile Pay) + [[axis-bank]] (India #3 private; 14M Axis Mobile MAU; 2025 Citibank India retail migration completion) + [[kotak-mahindra]] (India #4 private; Kotak811 = 3rd most-downloaded banking app worldwide H1 2025; SMBC strategic) + [[indusind-bank]] (one of India's leading private sector banks; 41M Indian customers; INDIE distinctive Indian banking digital transformation; Hinduja family-controlled) + [[idfc-first-bank]] (Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger) + [[sbi-yono]] (India #1 by assets state-controlled; YONO 70M+ MAU).
Regulator: RBI.
Fun facts
- Indian private sector bank + 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities.
- Survived Mar 2020 RBI-imposed moratorium + reconstruction via SBI-led consortium 2020 emergency bailout — distinctive Indian banking near-failure + reconstruction survival.
- Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore + SMBC 24.9% Yes Bank largest shareholder post-sale — distinctive Indian-Japan banking strategic ownership transfer.
- SMBC poised to invest additional ₹160bn (~$1.83bn) in Yes Bank as combination of equity + debt — distinctive SMBC Yes Bank capital injection.
- Nov 2003 Yes Bank founding by Rana Kapoor + Ashok Kapur — distinctive Indian private sector banking heritage.
- Mar 5 2020 RBI imposes moratorium on Yes Bank + Mar 13 2020 SBI-led consortium reconstruction scheme (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC) → distinctive Indian banking emergency bailout (largest Indian banking emergency rescue at the time).
- YES SECURITIES OMNI App distinctive Indian retail investor demat account app.
Comparison
| Feature | Yes Bank | [[indusind-bank]] (one of India's leading private sector banks rival; 41M customers; INDIE Bank distinctive digital transformation; Hinduja family) | [[idfc-first-bank]] (Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger rival) | [[axis-bank]] (India #3 private + 14M Axis Mobile MAU rival) | [[kotak-mahindra]] (India #4 private + Kotak811 + SMBC strategic rival) |
|---|---|---|---|---|---|
| Operator | Yes Bank Limited (NSE: YESBANK; BSE: 532648) | IndusInd Bank Limited (NSE: INDUSINDBK; BSE: 532187) | IDFC First Bank Limited (NSE: IDFCFIRSTB; BSE: 539437) | Axis Bank Limited (NSE: AXISBANK) | Kotak Mahindra Bank Limited (NSE: KOTAKBANK) |
| Type | Indian private sector bank + 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities + survived Mar 2020 RBI moratorium + reconstruction + Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore + SMBC 24.9% largest shareholder + SMBC additional ₹160bn (~$1.83bn) capital injection pledge | One of India's leading private sector banks + 41M Indian customers Mar 31 2025 + 3,081 Indian branches/banking outlets + INDIE distinctive Indian banking digital transformation + Hinduja family-controlled | Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger + IDFC Bank + Capital First merger heritage + Mar 20 2025 IDFC First Bank ACE Feature mobile app launch (mutual fund insights for 2,500+ funds) | India #3 private + 5,876 branches + Axis Mobile 14M MAU + 2025 Citibank India retail migration completion | India #4 private + Kotak811 = 3rd most-downloaded banking app worldwide H1 2025 + SMBC strategic investment |
| Country | IN | IN | IN | IN + 6+ countries | IN + 5+ countries |
| Distinctive | Nov 2003 Yes Bank founding by Rana Kapoor + Ashok Kapur in Mumbai; May 1 2004 operations start; Jun 21 2005 NSE + BSE IPO; Sep 1 2018 RBI denies Rana Kapoor CEO extension (governance crisis); Mar 5 2020 RBI moratorium + Mar 13 2020 SBI-led consortium reconstruction (SBI + HDFC + ICICI + Axis + Kotak + LIC); Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore (SMBC 24.9% largest shareholder); 2025 SMBC ₹160bn (~$1.83bn) additional capital injection pledge | Apr 1994 IndusInd Bank founding by Indian community NRIs led by Srichand P. Hinduja in Mumbai; 2022 INDIE app launch; Mar 31 2025 IndusMobile discontinued; 2025 INDIE for Business launch (60M+ MSMEs target) | 2015 IDFC Bank founding from IDFC Limited's infrastructure financing business; 2018 IDFC Bank + Capital First merger; Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger completion | 1993 UTI Bank founding + 2007 Axis Bank renaming; 2022 Citibank India retail business USD 1.6B acquisition | 1985 Kotak Mahindra Finance Limited founding by Uday Kotak; 2003 RBI bank licensing |
Status
Active, Indian private sector bank survived Mar 2020 RBI-imposed moratorium + reconstruction + post-Sep 2025 SBI 13.18% stake sale to SMBC [1, 2, 3, 4]:
- Yes Bank Limited (NSE: YESBANK; BSE: 532648) since Nov 2003 Yes Bank founding by Rana Kapoor + Ashok Kapur in Mumbai + May 1 2004 operations start + Jun 21 2005 NSE + BSE IPO.
- Mar 5 2020 RBI moratorium + Mar 13 2020 SBI-led consortium reconstruction (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC).
- Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore + SMBC 24.9% Yes Bank largest shareholder post-sale + SMBC additional ₹160bn (~$1.83bn) capital injection pledge.
- 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities.
- RBI regulated.
Sources
- 1 Yes Bank — Wikipedia
- 2 Investment in YES BANK — SMBC
- 3 Sumitomo Mitsui to reportedly inject $1.8bn into India's Yes Bank — Retail Banker International
- 4 YES SECURITIES' OMNI App Brings Smarter, Faster Demat Account Access to Retail Investors — The Tribune
- in-cro In-corpus:
reports/countries/IN-india.md
Source
Biography extracted from yes-bank.md. See matrix.md for standards-support matrix if present.