* YES Bank India is a new age private sector bank in India. Founded by Rana Kapoor with a goal to set up a high quality, customer centric, service driven private sector Indian bank that would cater to the "Future Industries of India".

* It is also the only bank that has been awarded Greenfield license by the Reserve Bank of India in the past 14 years.

* Rabobank, Netherlands, a part of the Rabobank Group, which is the only ‘AAA' rated private bank in the world, has 20% of YES BANK's financial ownership while three other high pedigree institutional private equity investors - CVC-Citigroup-New York, AIF Capital-Hong Kong, and ChrysCapital-San Francisco have 25% collective ownership.

* YES BANK commenced operations in Mumbai and New Delhi.

* The Yes Bank was established with the motto of providing Indian customers with a motive to provide Indian customers with a spirit of professional entrepreneurship blended with a premium quality, technologically savvy banking trends.

YES Bank: Branches and Business

Yes Bank is recently rated to be the second best private banks in India on its overall performance. The bank is spread in India with a total of 117 branches in India most of which are located in north India. Yes Bank plans an expansion with 133 more branches in the country by the end of 2010. Yes Bank's financial details show it in a very strong financial state presently.

YES Bank: Facilities and Customer Service

Yes Bank provides its customers with world class facilities. The biggest feature that differentiates the standard of Yes Bank from a mediocre bank is the inclusion of knowledge bankers in its management team, who have an expertise in the Indian economy. This expertise therefore proves beneficial in profiting the valued customers of the bank. Apart from this, the philosophy of technological edge, corporate governance and responsible banking also sets a standard set of working parameters for the bank.

The facilities offered by the Yes Bank are:


* Corporate and Institutional Banking

* Financial Markets

* Investment Banking

* Business and Transactional Banking

* Retail Banking

* Private Banking

* Transactions Banking.

* YES First wealth management


Distribution Channel means the way or medium by which the product reach to the end customer.

1) Bank has spread in India with a total of 117 branches, but now they have a plan to expansion with 133 more branches in the country by the end of 2010. It's a one way of channel of distribution used by banks to expand their business. Because with this the people can approach easily to banks .If they are located only in major cities then it's little bit complicated for customer to reach the bank. Expansion in No of Branches is good for the banks & that we call expansion in branch banking is the one way of channel of distribution.

2) Yes Bank is tie up with SIDBI (Small Industries Development bank of India) with this they Provide a wide range of financial services and Products to small and medium enterprises. The new co brand is YES SIDBI. SIDBI will mainly provide term loan financing and yes bank is offer that financial products to eligible borrowers including working capital, Trade services, cash Management, Foreign Exchange, investment and Insurance. Customers also have the advantage of its alternate distribution channels like internet banking, ATM Network and Mobile and telephone banking. They also sharing of Distribution network, wherever necessary to provide a single window to SME customer. Include making available product information, brochures, pamphlets, opening A/c document & other Information on deposit and Foreign exchange rates, Lockbox facilities for Cheque collection as and where required. SIDBI is also come under one of the distribution Channels of YES Bank.

3) Internet Banking is one way of distributing the services.

4) Direct Selling Agents, and agents are the another way of Distributing the Products of the company.

5) Tie up with the Insurance Companies is also a channel of Distribution.

6) ATM's

7) Microfinance is also another way of channel of Distribution of YES bank. Yes Bank's strategy is in sharp contrast to ICICI Bank's policy of not setting up its own branches or distribution network. During its first year of operations, Yes Bank disbursed Rs 75 crore in wholesale funding to MFIs. It is targeting to double this figure in the second year, through this direct intervention method.

In December 2006, Yes Bank inked a strategic partnership with Accion International—known for devising sustainable business models catering mainly to urban populations—to launch the Yes Microfinance India. This is a specialized division focused on developing tailor-made micro-finance products.

Yes Bank flagged off the business in July 2007, approving about four loans a week—to be raised to 15 soon—through individual loans to the urban slum dwellers of Worli, Lalbaug and Parel in Mumbai. From one office now, the bank plans to expand to three in the metropolis. And its scope of operations is expected to expand to other slum belts too, within Mumbai. Yes Microfinance India also plans to set up two offices in Delhi over the next 18 months.


YES Bank has partnered with handset maker Nokia to offer mobile payment services that will enable consumers pay for goods and services using their mobile devices. The service is based on a platform from Obopay. The bank has received the regulatory approvals from the Reserve Bank of India to act as the Issuing bank and the custodian of funds under these services. This pre-paid mobile payments service will be initiated as a pilot in Pune and will be widely distributed leveraging off the reach of Nokia's retail channel.

For availing themselves of the service, consumers can walk into a Nokia outlet and get their phones topped up after paying cash. The phone can then be used for making bill payments or transfer money. Some services are also available to those who do not have a bank account. Subsequently, consumers will also be able to pay merchants for goods and services through their mobile devices. The platform is available through multiple channels i.e. SMS, IVR, WAP, JAVA and FIRE.

9) One is Quality Service, If Banks enhanced the ability to deliver Customer service than the concept word of mouth is applicable here , that may be enhanced the Channels of distribution.

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