Yes Bank to Boost Retail Book with Focus on Internal Customers
Yes Bank is set to resume growth in its retail segment in FY26, focusing on internal customers and enhancing distribution capabilities after a period of de-growth in FY25.
Yes BankRetail BankingRajan PentalInternal CustomersDistribution CapabilitiesReal EstateJun 01, 2025
In an interview with Business Standard, Pental outlined the bank's conservative growth target of 10-12 per cent for FY26. The bank aims to closely monitor the market while continuing to enhance its distribution network and technology infrastructure.
Pental emphasized that the bank has the potential to grow its retail book by up to 30 per cent if desired, but the focus will remain on sustainable and disciplined growth. The bank's strategy will include a strong emphasis on internal customers, leveraging its existing customer base to drive retail growth.
Yes Bank has been working on several initiatives to improve its retail segment, including the development of advanced digital platforms and the expansion of its branch network. These efforts are expected to play a crucial role in achieving the bank's growth targets.
The real estate industry, which is a significant part of the retail banking sector, has faced challenges in recent years. Housing supply has slowed, and market conditions have been mixed. However, Yes Bank is confident that its focus on internal customers and technology will help it navigate these challenges and achieve its goals.
According to Pental, the bank's conservative approach is designed to ensure stability and long-term growth. By focusing on internal customers, Yes Bank aims to build a loyal and robust customer base, which will be essential for sustained growth in the retail segment.
In addition to these strategies, Yes Bank is also investing in training and development programs for its employees to ensure they are well-equipped to meet the needs of internal and external customers. The bank believes that a well-trained workforce will be a key driver of its success in the retail banking sector.
Overall, Yes Bank's renewed focus on the retail segment, combined with its commitment to technology and customer service, positions it well for a strong performance in FY26 and beyond.
Frequently Asked Questions
What is Yes Bank's growth target for FY26 in the retail segment?
Yes Bank has set a conservative growth target of 10-12 per cent for the retail segment in FY26.
Why did Yes Bank de-grow its retail book in FY25?
Yes Bank de-grew its retail book in FY25 to strengthen technology and distribution capabilities.
What is the potential growth rate for Yes Bank's retail book?
Yes Bank has the potential to grow its retail book by up to 30 per cent if desired.
How is Yes Bank focusing on internal customers?
Yes Bank is leveraging its existing customer base and focusing on building a loyal and robust internal customer base to drive retail growth.
What initiatives is Yes Bank implementing to improve its retail segment?
Yes Bank is developing advanced digital platforms, expanding its branch network, and investing in training and development programs for its employees.
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