As a part of its ambitions to expand in the retail segment, Yes Bank has decided to bring out its credit cards by the end of the financial year 2010-11.

The bank would also be foraying into home and car loan segments by March 2012, Rana Kapoor, founder, managing director and chief executive officer of the bank said.

The bank currently has 150 branches across 26 states of the country. It has plans to add 100 more branches to its kitty this fiscal. "We will take our branch count to 250 by end of March 2011," Kapoor said.

The bank has a retail customer base 2,10,000 and around 500,000 of borrowing clients (companies) as on March 2010.

The bank also has plans to enter into lending to small and medium enterprises (SMEs), unsecured lending to small businesses, mortgage loans and auto loans to grow its retail business.

"We have enough headroom to raise around Rs 1,500 crore of hybrid capital, which will be raised domestically," Kapoor said. "In a rising interest rate environment, it is better to raise money," Kapoor added.

The bank has posted a net profit growth of 75% this year.

The net interest margin of the bank has shown a marginal increase to 3.2 per cent for the fourth quarter of the fiscal last year from 3 per cent in the same period last year."We should be able to keep our net interest margins at the three-plus-level in coming year too," Kapoor said.