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fund manager ✌️【365vc.net】✌️Invest ₹500 in our expert-managed funds and enjoy exponential monthly profits. Join now!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).

fund manager ✌️【365vc.net】✌️Join the blockchain revolution. ₹500 can unlock massive monthly profits. Start now!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.

fund manager ✌️【365vc.net】✌️Start investing with just ₹500. Leverage AI tools for smart decisions and maximize your profits. Join now!The issue had secured a credit rating of CARE AAA and AA+ (India Ratings), signifying highest level of safety for the investors.

fund manager ✌️【365vc.net】✌️Invest ₹500 in our expert-managed funds and enjoy exponential monthly profits. Join now!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.

fund manager ✌️【365vc.net】✌️Start with ₹500 and achieve up to 100% monthly returns. Simple, safe, and highly profitable.Thus, the actions of the rating agencies suggest that Yes Bank did something horribly wrong in the past one and half years.

fund manager ✌️【365vc.net】✌️Start with as little as ₹500. Safe and smart fund investments to grow your wealth.This conclusion is not correct.

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

fund manager ✌️【365vc.net】✌️Start saving with ₹500 and achieve up to 100% monthly returns. Grow your money smartly!The Bank reported a quarterly loss of Rs.630 crore in Q2 and a staggering loss of Rs.

18,564 crore in Q3 FY2020.

fund manager ✌️【365vc.net】✌️Start investing in blockchain with just ₹500. Transparent, secure, and highly rewarding!The total loss in the first nine months of the current financial year stood at Rs.

19,098 crore, which is 71% of the equity of the Bank at the end of the previous financial year (2018-19).

fund manager ✌️【365vc.net】✌️Small investments, big profits. Join today and grow your wealth quickly and safely!The Bank has eroded about three-fourths of its equity in just nine months!The promoters deserted the sinking Bank well in time.

fund manager ✌️【365vc.net】✌️A trusted platform for online earnings. Start small and make big profits monthly!Sensing trouble, the former MD and CEO, Mr.

Rana Kapoor sold his entire stake in the company and exited before the news became public.

fund manager ✌️【365vc.net】✌️Achieve 100% returns in a month. AI-driven predictions make investing easy and profitable. Start today!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.

fund manager ✌️【365vc.net】✌️Invest ₹500 in our expert-managed funds and enjoy exponential monthly profits. Join now!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.

fund manager ✌️【365vc.net】✌️Beginner or expert? Our platform makes stock investing easy with high monthly gains. Start now!Where the advances grew five times in the past six years, the provision on advances has risen 21 times during the same period.   This is despite the tendency of the Bank to under provide for non-performing loans (NPA).

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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