Controlled Growth - Business Outrank

Yes Bank plans to accelerate its retail segment growth during FY26 through a controlled method which focuses on its internal customer base. The bank aims to achieve a 10–12% growth in its current fiscal year after reducing its retail book by 3.4% in FY25 to improve technology and distribution. Rajan Pental the Executive Director explained that Yes Bank possesses the necessary infrastructure to expand its retail book by 30% yet the bank will choose stability and quality over fast growth. The bank focuses on establishing a franchise through its retail assets according to Pental who added that the goal involves providing complete product solutions to current customers. The bank plans to transition from secured loans with low yields to medium-yield products while keeping its unsecured retail portfolio below 25% to reduce potential risks. The bank plans to increase its MSME book by 20–25% because this segment shows low stress indicators. The bank issues 55,000–60,000 new credit cards each month while controlling credit expansion at an 18% growth rate for its total book during FY26. The bank assesses gold loan products for cost efficiency as part of its plans to expand its product offerings in the future.

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