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It seems the regulators (RBI), the Board of the Yes Bank, and even the Finance Ministry chose to ignore the warning of the two young analysts of the Swiss investment Bank, UBS[2].The present financial year (2019-20) has exposed all ills of Yes Bank (Bank).

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18,564 crore in Q3 FY2020.

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19,098 crore, which is 71% of the equity of the Bank at the end of the previous financial year (2018-19).

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Rana Kapoor sold his entire stake in the company and exited before the news became public.

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Deposits grew 343 times in the past fifteen years and so was the advances (317 times).

Credit-to-deposit ratio was less than one in most of the years.

Yet the Bank had borrowed significant sums in recent years and it stood at almost third of interest bearing debt of the Bank.

Did the Bank borrow to invest in financial instruments? Return on investment for 2018-19 was barely equal to the 10-year G-sec yield (7.3%)- definitely not any indication of efficient treasury management.

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If the alternative explanation is true, it raises question on the quality of advances that the Bank was making in the past six years.

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For example, in 2015-16, the Bank had reported an NPA of Rs.

749 crore.

Later it was forced to revise it to Rs.

4926 crore- almost seven times bigger.

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