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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.

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

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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.

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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.

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

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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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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].

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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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