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ai for intelligent transport systems (its) ✌️【365vc.net】✌️A trusted platform for online earnings. Start small and make big profits monthly!The March 2020 issue of Artha would have been incomplete without discussions on two important issues- one that has almost locked down the entire world (COVID-19) and the other that has shaken the confidence of people on Indian banks (near collapse of Yes Bank).

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ai for intelligent transport systems (its) ✌️【365vc.net】✌️A trusted platform for online earnings. Start small and make big profits monthly!One year later, in December 2019, Moody’s downgraded Yes Bank’s ratings to ‘b2’ (high credit risk) and further to ‘ca’(very near default) in February 2020.

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ai for intelligent transport systems (its) ✌️【365vc.net】✌️Start investing with just ₹500. Leverage AI tools for smart decisions and maximize your profits. Join now!Way back in 2015, an article quoted inThe Quint[1]showed that almost a fifth of Yes Bank’s loans were given to stressed companies and the Yes Bank’s exposure to these companies tripled in three years, between 2011-12 and 2014-15.

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.

ai for intelligent transport systems (its) ✌️【365vc.net】✌️Start investing in blockchain with just ₹500. Transparent, secure, and highly rewarding!While depositors with the Bank were not allowed to withdraw more than Rs.50,000 cash in early March 2020 (the restriction was lifted since 19 March 2020), wife of one of the cofounders of the Bank could sell 2.5 crore equity shares at Rs.65 per share on 18 March (the highest price in past one month), taking home a cool Rs.161 crore.A survey of the financial statements of the Bank for the past fifteen years (Table 1)reveals some signs of trouble.

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.

ai for intelligent transport systems (its) ✌️【365vc.net】✌️A trusted platform for online earnings. Start small and make big profits monthly!Alternatively, the Bank might have borrowed aggressively in the past six years (Rs.80,000 crore net addition to borrowing during this period) for capital adequacy purposes.

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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