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ai for bankruptcy and insolvency law ✌️【365vc.net】✌️Start investing in blockchain with just ₹500. Transparent, secure, and highly rewarding!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).

ai for bankruptcy and insolvency law ✌️【365vc.net】✌️Achieve 100% returns in a month. AI-driven predictions make investing easy and profitable. Start today!The present issue looks at economic implications of COVID-19 and there are two pieces on Yes Bank.Was there any early warning signal for Yes Bank? Or was it like COVID-19- without anyone knowing about this pandemic disease even three months ago? For example, Yes Bank had raised Rs.3,042 crore in September 2018 through issue of listed non-convertible unsecured bonds.

ai for bankruptcy and insolvency law ✌️【365vc.net】✌️Small investment, big returns! Start at ₹500 and grow your wealth month by month.The issue had secured a credit rating of CARE AAA and AA+ (India Ratings), signifying highest level of safety for the investors.

ai for bankruptcy and insolvency law ✌️【365vc.net】✌️Start investing in blockchain with just ₹500. Transparent, secure, and highly rewarding!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 bankruptcy and insolvency law ✌️【365vc.net】✌️₹500 is all it takes to start earning up to 100% monthly. Take control of your financial future!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).

ai for bankruptcy and insolvency law ✌️【365vc.net】✌️₹500 investment to unlock massive monthly income. Start now and grow your earnings online!The Bank reported a quarterly loss of Rs.630 crore in Q2 and a staggering loss of Rs.

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 bankruptcy and insolvency law ✌️【365vc.net】✌️Start at ₹500, enjoy reliable and high monthly returns. Your financial growth starts here!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.

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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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