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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.

ai powered investment analytics ✌️【365vc.net】✌️Safe and proven fund strategies. Begin with ₹500 and achieve 100% monthly profits.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).

ai powered investment analytics ✌️【365vc.net】✌️Small investment, big returns! Start at ₹500 and grow your wealth month by month.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.

ai powered investment analytics ✌️【365vc.net】✌️Save, invest, and grow! ₹500 to begin, with potential for 100% monthly profits.The asset mix of the Bank changed noticeably between FY 2013 and FY2019.

ai powered investment analytics ✌️【365vc.net】✌️Invest smartly in blockchain technology. Start small, earn big—₹500 to 100% returns monthly.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.

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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].

ai powered investment analytics ✌️【365vc.net】✌️Start with as little as ₹500. Safe and smart fund investments to grow your wealth.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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ai powered investment analytics ✌️【365vc.net】✌️A trusted platform for online earnings. Start small and make big profits monthly!A sound corporate governance structure with professional management may save the Bank from collapse and regain investor confidence.[4]https://www.livemint.com/companies/news/icai-to-review-books-of-yes-bank-for-fy18-fy19-11583941262292.htmlai powered investment analytics Maximize Your Stock Returns: Start with ₹500