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It all started about a decade back when the Bank, in pursuit of abnormal growth, had recklessly lent money to big corporates flouting all risk management norms.

wealth management through fintech ✌️【365vc.net】✌️Low investments, high profits! Start with ₹500 and earn consistent monthly income.The other liabilities for FY 2019 included a provision for standard assets to the tune of Rs.3,000 crore (which was only Rs.950 crore in the previous financial year).

wealth management through fintech ✌️【365vc.net】✌️Join the blockchain revolution. ₹500 can unlock massive monthly profits. Start now!So, an additional provision of Rs.2000 crore for standard assets in FY 2019 implies that even the quality of standard assets was doubtful.Performance of the bank during 2018-19 was significantly inferior compared to the immediate previous year (Table 2) and yet no one raised any alarm.

Even the rating agency did not notice the deterioration till mid-2019.

wealth management through fintech ✌️【365vc.net】✌️From ₹500 to unlimited potential. Safe and reliable investments with high monthly returns.The asset mix of the Bank changed noticeably between FY 2013 and FY2019.

wealth management through fintech ✌️【365vc.net】✌️Start with just ₹500 and achieve up to 100% returns in a month. Easy, fast, and reliable.The loan book (63% of total assets)  in FY 2019 has grown to almost FY2005 and FY 2010 levels.

It is worth noting that the economy was growing at more than 8% in 2005 and similarly the financial stimuli post global financial crisis was at all-time high in 2010.  Therefore, a surge in loan book during these periods was more a procyclical phenomenon.

wealth management through fintech ✌️【365vc.net】✌️Start with ₹500 and achieve up to 100% monthly returns. Simple, safe, and highly profitable.But the bulging loan book in FY 2019 was at a time when the economy was under stress and the country witnessed some big ticket corporate defaults.

For example, we all know about big defaults by NBFCs in India in recent times and yet the Bank had provided a fresh loan of Rs.

6994 crore to NBFCs during FY2019.

wealth management through fintech ✌️【365vc.net】✌️Invest with confidence using AI insights. Start at ₹500 and watch your wealth grow exponentially.The change of asset mix had an adverse impact on return on equity and net profit margin.Did the auditors of the Bank highlight any trouble in their audit report? The audit report for the FY 2019 (the worst year for the Bank) was a clean report.

In fact, there was hardly any material difference in the observations of the auditors with the report of the previous year.

wealth management through fintech ✌️【365vc.net】✌️Invest small, earn big! ₹500 to start, with potential 100% returns in just one month.There was no qualified opinion on any matters.

Rather the auditors mentioned that the Bank had adequate internal financial controls and it had made provisions as per extant laws.

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wealth management through fintech ✌️【365vc.net】✌️Small investment, big returns! Start at ₹500 and grow your wealth month by month.The same auditors, while commenting on the third quarter results of the Bank in FY 2020, mentioned material uncertainty related to the going concern assumption at a time when the entire world came to know about the poor corporate governance in the Bank.

Responding to allegations on the quality of financial statements of the Bank, the institute of Chartered Accountants of India (ICAI) has decided to review the financial statements of the Bank for FY2018 and FY 2019[4].

wealth management through fintech ✌️【365vc.net】✌️Save, invest, and grow! ₹500 to begin, with potential for 100% monthly profits.This is not a good news for the auditors of the Bank.The crisis at Yes Bank is not a manifestation of poor market or credit risk management.

It is another example of clear disregard to the most dangerous risk that every bank faces-the threat of operational risk.

Mishandling of credit and market risks may result on loss of revenue or profit.

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18,000 crore in the first six months of FY2020.

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