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Introduction YES BANKis a private bank in India with headquarters inMumbai. It was founded in 2004 by promoters Ashok Kapur andRana Kapoor, which had a collective shareholding of 29%.Ashok Kapur was killed in a terrorist attack in 2008 in Mumbai.In 2010, the bank announced the roll-out of a strategic blueprint, named Version 2.0 of the bank, to further accelerate its business growth in the retail banking space, with the objective to achieve by 2015, a balance sheet size of 1,500billion, deposits of 1,250billion, advances of 1,000billion, a pan India network of 900 branches and a human capital base of 12,750 by 2015.

Products and ServicesCorporate and Institutional Banking:YES BANK deals in corporate investment services. This involves providing, for a fee, financial advice to customers, generally corporate or individual investors.Commercial Banking:YES BANK also competes in the South Asian commercial banking market. Commercial banking is essentially the equivalent of retail banking for commercial entities, but is however generally more expensive and accounts yield less interest, since corporate firms don't generally regard earning interest as a major component of their need for banking services.Investment Banking:YES BANK's Investment Banking division consists of domestic and cross-border Mergers and Acquisitions, Joint Venture Advisory Services, Private Equity Placement as well as Merchant Banking Services across select industry verticals.Continued.Corporate Finance- YES BANK's Corporate Finance practice offers a combination of advisory services and customised products to optimize risk based on "Knowledge ArbitrageFinancial Marketing- The Financial Markets (FM) business model provides Risk Management solutions related to foreign currency and interest rate exposures of clients.Branch Banking:Business Banking: YES BANK is a major competitor in the business banking sector of the Indian economy, especially amongst smaller- and medium-sized clients. Business banking is centred primarily around Cash Handling, Payment, Direct Banking, Liabilities and Investment, and Trade services.Retail Banking: Retail Banking is the general branch of banking, targeted at private individuals. Customers are currently being handled by a branch network, composed of over 550+ branches across the country with 1,139 ATMs, and Internet Banking facilities.

Operations-As on 31 March 2014, the bank had 560 branches and 1139ATMs. It had a balance sheet size of INR 1090.2 billion and GrossNPAof 0.31% fourth largest bank in private sector.

Employees- The bank had 11500 employees on 31 March 2014 .

Listing and shareholdingShareholders (as on 31-Mar-2013)ShareholdingPromoter Group25.72%Foreign Institutional Investors (FII)48.95%Individual shareholders09.44%Insurance Companies09.27%Banks/Financial Institutions/Mutual Funds/UTI03.87%Others02.75%Total100.0%YES Bank's equity shares are listed onBombay Stock Exchangeand theNational Stock Exchange of India. Awards and recognitionYES BANK won the Golden Peacock Award for Corporate Social Responsibility 2013YES BANK was awarded with 'The Strongest Bank Balance Sheet in India' by the Asian Banker Magazine.YES BANK won four awards at the 4th CMO Asia Awards for Branding & Marketing 2013.YES BANK was voted India's 3rd Most Trusted Private Bank in 2014 according to theBrand Trust Report2014, a study conducted by Trust Research Advisory, a brand analytics company.

Family feudThe crux of the entiredisputebetween the YES Bank founder families - Rana Kapoor and late Ashok Kapur - is over appointment of Kapur's 38-year old daughter Shagun Gogia as one of the directors on the board of a professionally run private sector bank. The difference between the two families arose a year after Kapur died in the 26/11 terror attacks and the request to induct Gogia as board member was rejected by the bank.YES bank was sceptical of Gogia passing the Reserve Bank of India (RBI)'s direction of 'fit and proper' criteria for appointment of directors on the board .

Madhu Kapur, widow of Ashok Kapur, Yes Bank's founder-promoter, has filed a suit in the Bombay High Court alleging that Rana Kapoor, the chief executive officer and managing director and Ashok's brother-in-law, is attempting to deprive her and her children their rightful place in the bank's management.

Priority sector lendingIn an effort to promote development in low-income populations Indias government issued a mandate that requires domestic commercial banks to allocate 40 percent of their lending to priority sectors. While some banks grumbled about it, YES BANK created a portfolio of offerings for low-income populations that transformed it into one of the most innovative financialinstitutions in India.In the slide below is the illustration of RBI Mandate relating to priority sector lending-

CategoriesDomestic commercial banks / Foreign banks with 20 and above branchesTotal Priority Sector40 percent of Adjusted Net Bank Credit [ANBC defined in sub paragraph (iii) below] or credit equivalent amount of Off-Balance Sheet Exposure, whichever is higher.Total agriculture18 % of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is higher. All agricultural loans under the categories 'direct' and 'indirect' will be reckoned in computing achievement under the overall priority sector target of 40% of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is higher.Micro & Small Enterprises (MSE)(i) Advances to micro and small enterprises sector will be reckoned in computing achievement under the overall priority sector target of 40% of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is higher.(ii) 40 %of total advances to micro and small enterprises sector should go to Micro (manufacturing) enterprises having investment in plant and machinery up to`5 lakh and micro (service) enterprises having investment in equipment up to`2 lakh;&(ii) 20 % to above`5 lakh and up to `25 lakh, and micro (service) enterprises with investment in equipment above`2 lakh and up to10 lakhExport CreditExport credit is not a separate category. Export credit to eligible activities under agriculture and MSE will be reckoned for priority sector lending under respective categories.Advances to Weaker Sections10 % of ANBC or credit equivalent amount of Off-Balance Sheet Exposure, whichever is higher.