Background: YES Bank is new -gen Private Bank w ith Advances of INR 696.3bn ( incl. credit substitutes of INR 140 bn), focus on Fees (38.2% of Total NI) , Costs (C/I 41.6%) & Pr ofitability ( RoA - 1.6%, ROE 24.3%). Break up of Advances: Corporates / Institutions 63.3%, Emerging & Bus iness Banking 15.5% & Branch Banking 21.2%. Has 560 branches w ith 1139+ ATMs & more than 7000 employees. Deposits br eak up: Wholesale ter m deposits 26.2%, Time Deposits ( Retail) 19.3% & CA SA 22.03%. Good asset quality: Gross NPAs - 0.3%, Net NPAs - 0.05%. Provision Coverage ratio 85.0%, Credit / Deposit ...