YES BANK STRATEGIC TRANSFORMATION PLAN 2025-2030

Rebuilding Trust, Driving Innovation, Delivering Sustainable Growth

EXECUTIVE SUMMARY

Current Position Assessment

Yes Bank stands at a critical juncture in its recovery journey. Following the 2020 reconstruction scheme and subsequent capital infusion of ₹15,000 crore, the bank has stabilized its operations and demonstrated resilience through improved asset quality and gradual profitability recovery. As of Q3 FY2025, the bank has achieved several key milestones: Gross NPA ratio reduced to 1.6% from a peak of 16.2%, Capital Adequacy Ratio strengthened to 16.5%, return to profitability with PAT of ₹452 crore in Q3 FY2025, and deposits growing at 15% year-on-year.

However, significant challenges persist. Market perception remains cautious with the stock trading at 0.7x book value compared to peer average of 2.1x. Corporate lending market share has declined from 4.2% pre-crisis to 2.8% currently. Technology infrastructure requires modernization to compete with digital-first banks. Talent retention challenges continue with key leadership positions experiencing turnover.

Strategic Vision Statement

"To emerge as India's most trusted and innovative digital bank, empowering businesses and individuals across South Asia through technology-enabled financial solutions, sustainable practices, and inclusive growth—rebuilding our legacy while redefining banking for tomorrow."

This vision is anchored in three foundational commitments: restoration of stakeholder trust through transparent governance and consistent performance delivery, technological leadership by leveraging AI, blockchain, and data analytics to create superior customer experiences, and sustainable impact through ESG-integrated operations that generate positive social and environmental outcomes.

Transformation Imperatives

The strategic transformation will be executed across five horizons over the next five years. Year 1 focuses on stabilization and foundation building with emphasis on governance strengthening, technology infrastructure upgrades, and selective portfolio growth. Years 2-3 prioritize acceleration and differentiation through digital product launches, strategic partnership activations, and market share recovery in target segments. Years 4-5 aim for leadership and scale with pan-India digital banking presence, regional expansion into Bangladesh and Nepal, and achievement of top-5 private sector bank status by market capitalization.

Success will be measured through clear financial targets: achieving 18% ROE by FY2030, maintaining Gross NPA below 1.5%, growing advances CAGR of 20%, achieving 45% CASA ratio, and delivering consistent quarterly profitability above ₹800 crore.

MARKET & INDUSTRY ANALYSIS

Macroeconomic Landscape

India's banking sector operates within an exceptionally favorable macroeconomic environment. GDP growth projections of 6.5-7% through 2030 provide a strong foundation for credit expansion. Digital payment transaction volumes have surged from 7.4 billion in 2020 to 131 billion in 2024, indicating accelerating financial digitization. Financial inclusion initiatives through Jan Dhan Yojana have brought 500+ million previously unbanked individuals into the formal financial system.

The South Asian regional opportunity presents significant expansion potential. Bangladesh's banking sector is growing at 12% annually with increasing trade finance demand. Nepal and Bhutan represent underserved cross-border payment corridors. Sri Lanka's post-crisis recovery phase creates opportunities for trade finance and SME lending partnerships. The intra-regional trade growth of 18% CAGR offers lucrative cross-border payment and treasury services potential.

Structural shifts are reshaping banking demand. MSME credit demand is projected to reach ₹75 lakh crore by 2030, up from ₹39 lakh crore currently. Green financing requirements for India's net-zero commitments exceed ₹170 lakh crore through 2030. Digital lending market expected to grow from ₹9 lakh crore to ₹35 lakh crore by 2030. Supply chain financing gaps present a ₹12 lakh crore opportunity driven by formalization and working capital needs.

Fintech Disruption & Convergence

The fintech landscape has evolved from competitive threat to collaborative opportunity. Paytm, PhonePe, and Google Pay have created mass-market digital payment habits, processing 80% of retail transaction volumes. Neo-banks like Jupiter, Fi, and NiyoX are redefining user experience expectations with personalized interfaces and real-time financial insights. Lending platforms such as Lendingkart, Capital Float, and Indifi have demonstrated superior credit assessment models for underserved segments. Embedded finance players including Razorpay, Cashfree, and PayU are enabling commerce platforms to offer integrated financial services.

Strategic positioning requires embracing a "co-opetition" model. Rather than viewing fintechs as pure competitors, Yes Bank will pursue infrastructure partnerships where fintechs leverage our banking license, regulatory expertise, and balance sheet strength while we access their technology, customer acquisition models, and innovation capabilities. This approach creates win-win arrangements where fintechs achieve scalability and compliance efficiency while Yes Bank expands distribution reach and digital capabilities without full build costs.

Competitive Positioning Analysis

Tier-1 Private Banks dominate with market capitalization leadership, superior NIMs averaging 3.8-4.2%, technology investments exceeding ₹5,000 crore annually, and strong retail franchises. HDFC Bank leads with 6.8% market share and unmatched CASA franchise. ICICI Bank demonstrates diversification strength across retail, SME, and corporate segments with renewed digital focus. Axis Bank has successfully repositioned toward retail while maintaining corporate relationships. Kotak Mahindra Bank excels in affluent customer segments and liability franchise.

Yes Bank's Competitive Gaps are evident across multiple dimensions. Brand perception scores 35% below peer average on trust metrics. Technology stack requires ₹3,000 crore investment to achieve parity. Retail customer base of 4.2 million lags significantly behind leaders with 50+ million customers. Distribution network of 1,100 branches provides limited physical presence versus competitors with 4,000-6,000 branches.

Competitive Advantages to Leverage include corporate banking heritage and relationship depth in mid-market companies, expertise in transaction banking and cash management services, established presence in food and agri-business sectors, and nimble organizational structure enabling faster decision-making versus larger incumbents.

Market White Spaces & Opportunities present significant potential. Export-oriented MSMEs in Tier-2 and Tier-3 cities face credit gaps despite strong fundamentals. Green technology startups struggle to access traditional banking channels. Gig economy workers numbering 15 million require customized financial products. Healthcare sector supply chain financing remains underpenetrated. Affordable housing finance in semi-urban areas offers stable asset creation opportunities.

Customer Segment Deep-Dive

Underpenetrated Retail Segments represent immediate opportunities. Self-employed professionals including doctors, architects, lawyers, and consultants constitute a 12 million strong segment with average income ₹15 lakh annually but face rigid documentation requirements from traditional banks. New-to-credit millennials aged 25-35 years, digitally native with thin credit files, need alternative credit scoring approaches. Women entrepreneurs face funding gaps with only 5% accessing formal credit despite representing 20% of small businesses. Retired individuals with pension income require simplified digital banking interfaces combined with relationship banking support.

High-Potential Business Segments offer profitable growth avenues. D2C brands and online-first businesses require integrated payment, lending, and cross-border capabilities. Renewable energy project developers and equipment suppliers need specialized financing structures and technical evaluation capabilities. Export-focused SMEs in textiles, auto-components, and handicrafts require trade finance and forex risk management solutions. Quick-service restaurant franchisees and aggregator-platform merchants need rapid credit assessment and working capital facilities.

Geographic Opportunity Mapping reveals specific regional advantages. Western region including Gujarat, Maharashtra, and Goa presents strong SME and export corridors with existing relationship foundations. Southern region covering Karnataka, Tamil Nadu, and Telangana offers high digital adoption, startup ecosystem density, and affluent retail segments. Eastern region encompassing West Bengal, Odisha, and Northeast states shows infrastructure growth momentum and underpenetrated banking services. Northern region including Punjab, Haryana, and UP represents large MSME populations, agri-business opportunities, and improving infrastructure connectivity.

STRATEGIC PILLARS

Pillar 1: Digital-First Retail Banking Revolution

Vision: Transform Yes Bank into the preferred digital banking partner for India's aspirational millennials and digital natives by delivering hyper-personalized, AI-powered financial experiences.

Short-Term Objectives (Years 1-2):

• Launch next-generation mobile banking app with 4.5+ star rating
• Acquire 3 million digitally-active retail customers
• Achieve 60% digital transaction penetration
• Launch 5 innovative digital-only products (zero-balance savings, instant personal loans, investment marketplace, goal-based savings, digital credit cards)
• Reduce customer onboarding time to under 10 minutes

Long-Term Objectives (Years 3-5):

• Scale to 12 million active retail customers
• Achieve 85% digital transaction penetration
• Launch AI-powered financial wellness platform
• Expand into embedded finance partnerships with 50+ platforms
• Achieve top-3 position in digital banking NPS scores

Investment Requirements:

• Technology development: ₹800 crore over 3 years
• Customer acquisition: ₹500 crore over 3 years
• Brand building: ₹300 crore over 3 years
• Partnership integrations: ₹150 crore over 3 years

Success KPIs:

• Customer acquisition cost below ₹1,200
• Digital revenue contribution exceeding 35% of total revenue
• Retail advances CAGR of 28%
• Retail deposits CAGR of 25%
• Cost-to-income ratio improvement to 42%

Pillar 2: SME & MSME Banking Excellence

Vision: Become the most trusted financial partner for India's 63 million MSMEs by combining relationship banking with digital efficiency and customized product solutions.

Short-Term Objectives (Years 1-2):

• Launch dedicated SME digital platform with end-to-end loan processing
• Establish 75 specialized SME banking hubs in manufacturing clusters
• Partner with 5 fintech lenders for co-lending arrangements
• Digitize 80% of SME loan origination process
• Achieve ₹40,000 crore SME advances portfolio

Long-Term Objectives (Years 3-5):

• Scale SME advances to ₹1,00,000 crore
• Capture 6% market share in MSME lending
• Launch supply chain financing platform serving 500+ anchor clients
• Establish presence in 150+ industrial clusters
• Create SME ecosystem platform with 200+ service provider partners

Investment Requirements:

• Digital platform development: ₹400 crore
• Hub expansion and talent: ₹350 crore
• Risk analytics and credit models: ₹200 crore
• Partnership ecosystems: ₹100 crore

Success KPIs:

• SME portfolio NPAs maintained below 2%
• Average loan processing time of 48 hours
• SME customer base of 100,000+ entities
• Cross-sell ratio of 2.8 products per customer
• SME fee income contribution of 18%

Pillar 3: Corporate & Transaction Banking Resurgence

Vision: Reclaim Yes Bank's leadership position in corporate and transaction banking by offering best-in-class treasury, cash management, and trade finance solutions powered by technology.

Short-Term Objectives (Years 1-2):

• Rebuild relationship management team with 150 specialized RMs
• Launch modernized cash management platform with API integrations
• Expand trade finance capabilities including blockchain-based solutions
• Win back 30 marquee corporate relationships
• Grow transaction banking revenues by 25%

Long-Term Objectives (Years 3-5):

• Achieve top-5 position in transaction banking market share
• Corporate advances portfolio of ₹1,50,000 crore
• Transaction banking revenue of ₹3,500 crore annually
• Launch regional corporate banking in Bangladesh and Nepal
• Establish specialized sector desks for pharmaceuticals, IT, infrastructure, and consumer goods

Investment Requirements:

• Talent acquisition and retention: ₹450 crore
• Technology platforms: ₹600 crore
• Treasury and risk management systems: ₹300 crore
• Regional expansion: ₹200 crore

Success KPIs:

• Corporate NPA ratio maintained below 1.2%
• Transaction banking ROE exceeding 20%
• Client retention rate above 92%
• Average revenue per corporate client increasing 35%
• Market share recovery to 4% in corporate lending

Pillar 4: Green & Sustainable Banking Leadership

Vision: Position Yes Bank as India's foremost green banking institution, aligning profitability with environmental stewardship and contributing meaningfully to India's net-zero commitments.

Short-Term Objectives (Years 1-2):

• Launch green banking division with dedicated team
• Achieve ₹10,000 crore green finance disbursements
• Issue India's first retail green bonds
• Establish ESG risk assessment frameworks
• Carbon-neutralize own operations

Long-Term Objectives (Years 3-5):

• Green finance portfolio of ₹50,000 crore
• Achieve zero financed emissions in high-carbon sectors by 2030
• Launch renewable energy project financing platform
• Partner with 20+ climate-tech startups for innovation
• Achieve leadership position in sustainable finance rankings

Investment Requirements:

• Green banking capabilities: ₹250 crore
• ESG infrastructure and reporting: ₹150 crore
• Renewable energy expertise: ₹100 crore
• Partnership ecosystems: ₹75 crore

Success KPIs:

• 25% of total loan book in sustainable finance by FY2030
• Green deposits mobilization of ₹30,000 crore
• Zero exposure to thermal coal by 2027
• Top-3 ESG rating among Indian private banks
• Green finance NPAs below 0.8%

Pillar 5: Cross-Border & Remittance Innovation

Vision: Become the preferred banking partner for India's diaspora and cross-border commerce, leveraging technology to deliver instant, low-cost international payment solutions.

Short-Term Objectives (Years 1-2):

• Launch digital remittance platform with competitive pricing
• Partner with 15 international corridors for instant settlements
• Establish presence in UAE, Singapore, and UK for NRI banking
• Launch foreign currency accounts and international debit cards
• Achieve ₹15,000 crore annual remittance processing

Long-Term Objectives (Years 3-5):

• Process ₹75,000 crore annual remittances
• Acquire 500,000 active NRI customers
• Launch trade financing for South Asian export-import corridors
• Establish partnerships with 50+ global banks for seamless transfers
• Generate ₹800 crore annual revenue from cross-border services

Investment Requirements:

• International platform development: ₹350 crore
• Overseas representative offices: ₹200 crore
• Compliance and regulatory: ₹150 crore
• Partnership integrations: ₹100 crore

Success KPIs:

• Remittance transaction costs below 1.5%
• Average transaction time under 30 minutes
• NRI deposit base of ₹25,000 crore
• Cross-border revenue CAGR of 35%
• Market share of 8% in India-bound remittances

DIGITAL & TECHNOLOGY INNOVATION ROADMAP

Technology Vision & Architecture

Target State Architecture: Establish a cloud-native, API-first, microservices-based core banking infrastructure that enables rapid product innovation, seamless integration with external ecosystems, and real-time data processing capabilities.

Core Technology Stack Transformation:

• Cloud Infrastructure: Migrate 80% of workloads to hybrid cloud (AWS/Azure) by Year 2
• Core Banking: Implement modern core banking solution with component-based architecture replacing legacy systems
• Data Platform: Build unified data lake consolidating customer, transaction, and external data sources
• API Layer: Deploy comprehensive API gateway enabling 500+ external integrations
• Security Framework: Implement zero-trust architecture with AI-powered threat detection

AI & Machine Learning Applications

Intelligent Credit Underwriting Engine: Develop proprietary AI models utilizing 200+ alternative data points including digital footprint, psychometric assessments, utility payments, GST returns, and social commerce patterns. The system will enable instant credit decisions for retail loans under ₹5 lakh with 40% faster processing and 25% improvement in default prediction accuracy. Dynamic risk pricing based on real-time customer behavior will optimize portfolio returns while maintaining risk appetite boundaries.

Hyper-Personalization Engine: Deploy advanced recommendation systems analyzing customer transaction patterns, life stage indicators, browsing behavior, and contextual triggers to deliver personalized product suggestions. The platform will power customized offers with 8x higher conversion rates, proactive financial advice based on spending patterns and savings goals, and dynamic pricing for fees and interest rates based on customer value and risk profile.

Predictive Analytics Platform: Build sophisticated models for churn prediction identifying at-risk customers 90 days in advance, NPA early warning systems flagging potential defaults through behavioral signals and external data, fraud detection utilizing real-time transaction analysis and network graph analytics, and operational optimization including branch footfall prediction, ATM cash optimization, and staff scheduling.

Conversational AI & Virtual Banking: Launch AI-powered conversational banking through "Yes Robot" capable of handling 75% of routine customer queries, processing 40+ transaction types through voice and chat interfaces, providing 24x7 multilingual support in 12 Indian languages, and enabling relationship management assist where AI provides RMs with contextual customer insights during interactions.

Blockchain & Distributed Ledger Applications

Trade Finance Blockchain Platform: Implement distributed ledger solution for end-to-end digitization of letters of credit, bank guarantees, and bill discounting. Integration with customs, logistics, and regulatory systems will reduce processing time from 7-10 days to 24 hours, eliminate documentation fraud through immutable records, and enable real-time tracking of shipments and document flows. Partnership with TradeLens and Marco Polo networks will provide global connectivity.

Decentralized Identity & KYC: Develop blockchain-based digital identity solution enabling one-time KYC with continuous authentication, instant customer verification across touchpoints, secure sharing of verified credentials with third-party partnerships, and regulatory compliant audit trails. Integration with DigiLocker and Aadhaar ensures national identity framework alignment.

Smart Contract Automation: Deploy self-executing contracts for loan disbursements based on predefined milestones, automated collateral management with dynamic LTV monitoring, programmable escrow accounts for real estate and supply chain finance, and instant claim settlements for bancassurance products.

Advanced Data Analytics & Business Intelligence

360-Degree Customer Intelligence: Consolidate fragmented customer data across channels into unified profiles enriched with external data sources including social media signals, merchant transaction data, credit bureau information, and demographic overlays. Real-time customer lifetime value scoring enables dynamic segmentation and treatment strategies. Predictive next-best-action recommendations optimize customer engagement timing and messaging.

Portfolio Risk Analytics: Build comprehensive risk dashboards providing real-time visibility into concentration risks across sectors, geographies, and customer segments. Stress testing simulation models evaluate portfolio resilience under various macroeconomic scenarios. Covenant monitoring systems provide automated alerts for breach detection. Early warning indicators combine lagging and leading risk metrics for proactive portfolio management.

Marketing Attribution & ROI Optimization: Implement multi-touch attribution models tracking customer journey across paid, owned, and earned channels. Real-time campaign performance dashboards enable dynamic budget reallocation. A/B testing frameworks scientifically evaluate creative, messaging, and offer variations. Customer acquisition cost optimization algorithms identify highest-converting channels and segments.

Customer Experience Innovation

Omnichannel Banking Platform: Design seamless experiences allowing customers to initiate transactions on one channel and complete on another without friction. Single customer view across mobile app, internet banking, branch, phone banking, and relationship managers ensures consistency. Context preservation maintains transaction state and customer preferences across channels. Assisted digital journeys enable branch staff to guide customers through mobile app processes.

Augmented Reality Branch Experiences: Deploy AR-enabled branch navigation helping customers locate services and products. Virtual relationship managers provide product demonstrations through holographic displays. Interactive product visualizations help customers understand complex financial concepts. Virtual property tours enable home loan assessment without physical site visits.

Voice Banking Ecosystem: Launch voice-first banking through partnerships with Alexa, Google Assistant, and Siri enabling hands-free banking for balance inquiries, fund transfers, bill payments, and investment purchases. Biometric voice authentication ensures secure access. Natural language processing handles complex, conversational queries beyond simple transactions.

Wearable Banking: Develop banking applications for smartwatches, fitness trackers, and AR glasses. Spending alerts and budget notifications provide real-time financial awareness. Quick payment authentication through wearable biometrics enables frictionless transactions. Location-based merchant offers delivered to wearables drive contextual engagement.

Fintech Partnership & Integration Strategy

Partnership Categories & Execution Models:

Category 1: Lending-as-a-Service Partners Collaborate with Lendingkart, Capital Float, and Indifi to offer co-branded SME lending products. Yes Bank provides regulatory licenses, capital, and balance sheet while partners contribute customer acquisition, credit decisioning models, and servicing capabilities. Revenue sharing model allocates 40% to partner for origination and servicing, 60% to Yes Bank for funding and risk underwriting.

Category 2: Embedded Finance Enablers Integrate with Razorpay, Cashfree, and PayU to embed lending, insurance, and investment products within commerce platforms. Yes Bank powers banking infrastructure while partners provide merchant relationships and technical integration. Transaction-based revenue sharing and portfolio risk protection through first-loss guarantee mechanisms.

Category 3: Digital Distribution Partners Partner with neo-banks Jupiter, Fi, and NiyoX who leverage Yes Bank's banking license to offer deposits, payments, and lending products with differentiated user experiences. White-labeled infrastructure provided by Yes Bank while partners control customer relationships and brand. Deposit mobilization revenue sharing based on CASA mix and retention metrics.

Category 4: Wealth & Investment Platforms Collaborate with Groww, Zerodha, and Upstox to offer savings accounts and margin funding products to their investor base. Cross-selling opportunities for investment products through Yes Bank channels. Integration enables seamless fund transfers and consolidated wealth views for customers.

Technology Integration Framework: Establish API marketplace hosting 100+ pre-built integrations with standardized documentation, sandbox environments for partner testing, automated onboarding reducing integration time from 6 months to 6 weeks, and developer support resources including SDKs, reference implementations, and 24x7 technical assistance.

Cybersecurity & Data Protection

Zero-Trust Security Architecture: Implement comprehensive security model assuming breach scenarios and requiring continuous verification. Multi-factor authentication mandatory for all access, microsegmentation isolating critical systems and data, continuous monitoring detecting anomalous access patterns, and privileged access management controlling administrative credentials.

AI-Powered Threat Intelligence: Deploy machine learning models analyzing network traffic, user behavior, and system logs to identify threats. Real-time fraud detection systems prevent unauthorized transactions before execution. Automated incident response playbooks accelerate containment and recovery. Threat hunting teams proactively search for undetected intrusions.

Data Privacy & Compliance: Establish comprehensive data governance framework ensuring GDPR-equivalent privacy standards despite operating in India. Customer data minimization collecting only necessary information, purpose limitation restricting data usage to stated purposes, consent management enabling granular customer control over data sharing, and data localization complying with RBI requirements for payment and customer data.

Vendor Risk Management: Implement rigorous third-party risk assessment processes including security audits, compliance certifications, and continuous monitoring. Contractual provisions mandate data protection standards and incident notification requirements. Regular penetration testing validates vendor security controls. Business continuity assessments ensure vendor resilience.

FINANCIAL MODEL & PROJECTIONS

Five-Year Financial Forecast (₹ Crores)

Profit & Loss Statement:

Balance Sheet Highlights:

Key Financial Ratios:

Revenue Growth Drivers & Assumptions

Advances Growth Strategy: Overall advances projected to grow at 20% CAGR driven by retail segment expansion at 28% CAGR reaching ₹1,50,000 crore by FY2030, SME portfolio growth at 25% CAGR achieving ₹1,00,000 crore, corporate advances recovery at 15% CAGR stabilizing at ₹2,50,000 crore, and specialized segments including green finance and cross-border at 35% CAGR contributing ₹47,000 crore.

Deposit Mobilization Strategy: Deposits growing at 20% CAGR with strategic focus on CASA improvement through digital savings accounts targeting millennial customers, salary account acquisitions partnering with 5,000+ corporates, current account growth from SME and startup banking, and sweep-in facilities encouraging higher operating balances.

Fee Income Expansion: Non-interest income targeted to reach 28% of total income by FY2030 driven by transaction banking fees growing from ₹800 crore to ₹2,500 crore, wealth management and investment products contributing ₹1,800 crore annually, loan processing and ancillary fees generating ₹1,500 crore, and cross-border and forex services adding ₹1,200 crore.

Net Interest Margin Enhancement: NIM improvement from 3.2% to 3.7% achieved through retail portfolio mix increasing from 25% to 35%, reduced cost of funds via CASA ratio improvement, optimized asset-liability management reducing liquidity costs, and credit risk-based pricing ensuring adequate returns.

Cost Optimization Plan

Operating Expense Management: Cost-to-income ratio targeted to decline from 52.6% to 43.3% through strategic initiatives including branch rationalization closing 100 unviable branches while opening 150 strategically located hubs, process digitization reducing manual interventions by 60%, vendor consolidation achieving 15% procurement savings, and automation of routine operations including reconciliations, report generation, and compliance checks.

Technology Investment Efficiency: Total technology spend of ₹4,500 crore over five years allocated strategically with 40% on core infrastructure modernization, 30% on customer-facing applications and digital channels, 20% on data and analytics capabilities, and 10% on cybersecurity and compliance. Cloud adoption reduces infrastructure costs by 30% versus traditional data centers. Reusable API components minimize redundant development efforts.

Branch Banking Transformation: Reimagine branch economics through hub-and-spoke model with specialized hubs for SME, wealth, and NRI banking in high-potential locations, digital-first branches with minimal cash handling and advisory-focused staff, shared service centers centralizing back-office operations for 10-15 branches, and cash recyclers and ATMs reducing cash management costs by 40%.

Talent Optimization: Strategic workforce planning balances headcount growth with productivity improvements. Employee count targeted to grow from 22,000 to 30,000 by FY2030 representing 36% increase while assets grow 133%. Investments in upskilling programs transition roles from transactional to advisory. Competitive compensation for technology and specialized roles while optimizing administrative staff through automation.

NPA Reduction & Asset Quality Strategy

Proactive Portfolio Management: Implement early warning systems combining financial metrics, behavioral indicators, external data signals, and relationship manager assessments. Monthly portfolio reviews at CXO level for exposures above ₹50 crore. Quarterly industry and geography stress testing identifying vulnerable pockets. Dynamic watch list management with standardized restructuring protocols.

Enhanced Credit Underwriting: Strengthen origination quality through dual-layer credit approval with relationship and independent credit teams, mandatory site visits and promoter background checks for exposures above ₹10 crore, sectoral concentration limits preventing overexposure to cyclical industries, and covenant monitoring systems tracking compliance throughout loan tenure.

Recovery & Resolution Framework: Establish dedicated recovery teams with specialized skills in negotiation, legal proceedings, and asset monetization. Early identification and swift action on accounts showing stress reduces slippage severity. Strategic use of National Company Law Tribunal and Insolvency and Bankruptcy Code mechanisms

Offer from Gomsu Information Technologies

To support financial institutions and startups in executing this plan efficiently, Gomsu Information Technologies is offering exclusive complimentary tools with our Social Media Management Services:

Special Offer:

• Subscribe to our Social Media Management Service (₹5,000 per app/month)

• Get POS, IMS, and CRM tools absolutely FREE for 3 months!

• Order services for 5 or more apps, and enjoy lifetime access to these tools — completely FREE.

Call to Action

Ready to transform your bank’s growth strategy with next-gen digital tools and expert guidance?

Email: info@gomsutech.com
Website: www.gomsutech.com
Call: +91-87541 33462
Visit Our Office: Gomsu Information Technologies Pvt. Ltd., Hyderabad, India