Banking: 70%
Financial Services: 20%
Insurance: 10%

India: 85%
United Arab Emirates: 10%
Singapore: 5%

Yes Bank Limited generates the majority of its revenues from traditional banking, which accounts for approximately 70% of total income. Financial services and insurance also contribute significantly to the revenues.

Geographically, India is the dominant market for Yes Bank, representing 85% of total income. The United Arab Emirates and Singapore are also important markets, accounting for 15% of revenues combined. This distribution reflects the bank's strong presence in its domestic market as well as its strategic expansion efforts in selected international markets.

Production Sites: Mainly in India

Yes Bank Limited is an Indian private bank and not a manufacturing company. Therefore, Yes Bank does not produce physical products. Its main business activities include financial services such as loans, deposits, investment banking, and asset management.

The bank mainly operates in India, where it offers its services. Its "production" refers to the provision of financial services and not physical goods.

Strategic Growth Goals:

• Digitization and Technology Investments
• Expansion of the Loan Portfolio
• Strengthening of the Capital Base

Yes Bank Limited pursues a strategy that heavily focuses on digitization and technology investments. The goal is to increase efficiency and enhance customer service through innovative digital solutions. This includes the development of mobile banking platforms and the implementation of AI-based services.

Another key focus is on expanding the loan portfolio, especially in the areas of SME financing and retail banking. By diversifying lending, the bank aims to stabilize its sources of income and minimize risk.

Furthermore, Yes Bank is working on strengthening its capital base to meet regulatory requirements and support future growth. This could be achieved through capital increases or strategic partnerships.

These strategic measures are intended to help Yes Bank solidify its market position and achieve long-term profitable growth.

Main imported raw materials/materials: Not applicable

Countries of origin: Not applicable

Yes Bank Limited is a financial institution and not a production or trading company that imports physical raw materials or materials. As a bank, Yes Bank is mainly active in the areas of financial services, lending, and asset management. Therefore, it does not import raw materials or materials.

If you need information on the financial services or investments of Yes Bank in specific sectors or countries, I can assist you with that.

Market share in the Indian banking sector: approximately 1.5% (2024)

Common Equity Tier 1 (CET1) ratio: 11.5% (2024)

Yes Bank Limited has made significant efforts in recent years to strengthen its position in the Indian banking sector. The market share of about 1.5% indicates that the bank has a moderate presence in the highly fragmented Indian market.

A key competitive advantage of Yes Bank lies in its ability to offer innovative digital banking services that particularly appeal to younger customers. The bank has heavily invested in technology to enhance its digital platforms and optimize the customer experience.

The CET1 ratio of 11.5% suggests a solid capital base that enables the bank to better manage risks and meet regulatory requirements. This is especially important in a market characterized by regulatory changes and economic fluctuations.

In summary, Yes Bank has some competitive advantages, especially in the field of digital innovation. However, the bank must continue to work on strengthening its market position to remain competitive compared to larger established banks.

Institutional Investor Share: 45% (estimated for 2025)
Insider Buys/Sells: No significant insider transactions in the last year (estimated for 2025)

The institutional investor share in Yes Bank Limited is estimated to be around 45%. This indicates a certain level of confidence from institutional investors in the stability and potential of the bank.

In 2025, there were no significant insider buys or sells, suggesting that the management does not expect any significant changes in the stock value or that there is no internal information that could lead to increased trading volume.

Market share of Yes Bank: Estimated 2-3% (2025)

Main competitors and their market share:

1. State Bank of India (SBI): Approx. 23%
2. HDFC Bank: Approx. 18%
3. ICICI Bank: Approx. 15%
4. Punjab National Bank (PNB): Approx. 6%
5. Axis Bank: Approx. 5%
6. Kotak Mahindra Bank: Approx. 4%
7. Bank of Baroda: Approx. 4%
8. IndusInd Bank: Approx. 3%
9. Yes Bank: Approx. 2-3%
10. IDFC First Bank: Approx. 2%

Yes Bank has a relatively small market share compared to the leading banks in India. Competition in the Indian banking sector is intense, and the largest banks have significant advantages in terms of customer base, branch network, and capital strength.

Economic moat of Yes Bank: In the past, Yes Bank has tried to differentiate itself through innovative digital offerings and specialized services in corporate banking. However, the economic moat is limited compared to larger banks like HDFC or ICICI Bank, which have extensive resources and established brands.

The larger banks have stronger economic moats through their comprehensive networks, diversified services, and larger capital reserves, allowing them to be more resilient in challenging market conditions. Yes Bank must continue to invest in innovation and customer service to maintain or increase its market share.

Return on Equity (ROE): 7.5% (2024)

Net Interest Margin (NIM): 3.1% (2024)

Common Equity Tier 1 Ratio (CET1): 13.2% (2024)

Yes Bank Limited has made efforts in recent years to improve its financial stability. The return on equity of 7.5% indicates that the company is able to generate profits from its equity, but this value is below the industry average, suggesting room for improvement.

The net interest margin of 3.1% suggests that the bank is able to generate a solid income from its interest operations. This is a positive sign for the bank's profitability.

The common equity tier 1 ratio of 13.2% indicates that Yes Bank has a solid capital base, which is important for risk management and compliance with regulatory requirements.

Overall, Yes Bank shows signs of a stable financial position and improvement in its operational metrics. However, potential investors should also consider the macroeconomic conditions and specific challenges in the Indian banking sector before making an investment decision.

Dividend Yield: 0% (2025)

Yes Bank Limited has not paid any dividends in recent years. The bank has focused on improving its financial stability and strengthening its capital base after facing significant financial difficulties in the past.

The reliability of a future dividend payment depends heavily on the bank's further financial recovery and profitability. Analysts are monitoring the bank's progress in restructuring and improving its balance sheet before considering a dividend payment.