YES BANK: Mainstreaming Development into Indian Banking Harvard Case Solution & Analysis

YES BANK, originated in 2003 and extremely successful, has constantly been profitable meeting the Indian government's Priority Sector Financing (PSL) conditions, unlike nearly all other private sector banks, which view PSL activity as a crucial but loss-making part of their portfolio. But now, the Development Banking team is contemplate going to the Board to take the concept one step further: pro-actively investing in PSL-qualifying actions not as a question of regulatory compliance but as business.

YES BANK Mainstreaming Development into Indian Banking Case Solution

Should the bank devote considerable human and financial resources into an ambitious Financial Inclusion Program to serve rural people that are previously unbanked through a fast growth of its branch network and using nonbank business correspondents? Additionally, should the bank commit part of its scarce capital to Tatva Capital, a private equity enterprise focused on renewable energy, clean technology, waste management, water & sanitation, food & agribusiness, affordable schooling, health care, housing & support development? Is Board prepared to add in progress banking into the mainstream of the bank, or will this rotate out to be a significant mistake in judgment?

PUBLICATION DATE: October 01, 2010 PRODUCT #: 311063-HCB-ENG

This is just an excerpt. This case is about FINANCE & ACCOUNTING

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