Roll No 02 BB

PROBLEM AND DIFFICULTIES BEING FACED BY
BANKS AS A RESULT OF BANK FAILURE WITH

REFERENCE TO YES BANK
A project Submitted to
University of Mumbai for partial fulfillment of the degree of
Master in Commerce – Semester III
Under the Faculty of Commerce (Banking & Finance)
(Advanced Accountancy) (Business Management)
By
ANKITA SANTOSH BAMBARKAR

Roll No: 02
Under the Guidance of (Name of Mentor/Internal
Examiner)
SIR SITARAM & LADY SHANTBAI PATKAR COLLEGE OF

ARTS & SCIENCE
AND
V.P. VARDE COLLEGE OF COMMERCE & ECONOMICS
(Autonomous)
S.V. ROAD, GOREGAON (WEST), MUMBAI-400104
2021-22
PROBLEM AND DIFFICULTIES BEING FACED BY
BANKS AS A RESULT OF BANK FAILURE WITH
REFERENCE TO YES BANK
A project Submitted to
University of Mumbai for partial fulfillment of the degree of
Master in Commerce – Semester III
Under the Faculty of Commerce (Banking & Finance)
(Advanced Accountancy) (Business Management)
By
ANKITA SANTOSH BAMBARKAR

Roll No: 02
Under the Guidance of Mrs. NISHA GUPTA

ARTS & SCIENCE
AND
(Autonomous)
ARTS & SCIENCE
AND
(Autonomous)
CERTIFICATE
This is to certify that Kumari ANKITA SANTOSH
BAMBARKAR has worked and duly completed his/her Project work for
the degree of Master in Commerce under the Faculty of Commerce in the
subject of Banking & Finance and her project is entitled, “PROBLEM
AND DIFFICULTIES BEING FACED BY BANKS AS A RESULT
OF BANK FAILURE WITH REFERENCE TO YES BANK” under
my supervision.
I further certify that the entire work has been done by the learner under
my guidance and that no part of it has been submitted previously for any
Degree or Diploma of any University.
It is her own work and facts reported by his/her personal findings and
investigations.
______________ ___________________
(Mentor/Internal Examiner) (Dr. Shital Patil)
______________ ______________
(External Examiner) (Dr. Shrikant Sawant)
Principal
Date of submission:
DECLARATION BY LEARNER
I, Kumari ANKITA SANTOSH BAMBARKAR here by, declare that

the work embodied in this project work titled “PROBLEM AND
DIFFICULTIES BEING FACED BY BANKS AS A RESULT OF
BANK FAILURE WITH REFERENCE TO YES BANK” forms my
own contribution to the research work carried out under the guidance of
Mrs. NISHA GUPTA is a result of my own research work and has not
been previously submitted to any other University for any other
Degree/Diploma to this or any other University.
Where ever reference has been made to previous works of others, it has
been clearly indicated as such and included in the bibliography.
I, here by further declare that all information of this document has been
obtained and presented in accordance with academic rules and ethical
conduct.
_____________________
(Name and Signature of learner)
Roll No.:
______________________________
(Mentor/Internal Examiner)
ACKNOWLEDGEMENT
To list who all have helped me is difficult because they are so numerous and the depth
is so enormous.
I would like to acknowledge the following as being idealistic channels and fresh
dimensions in the completion of this project.
I take this opportunity to thank the University of Mumbai for giving me a chance to
do this project.
I would like to thank my Principal, Dr. Srikant Sawant, for providing the necessary
facilities required for completion of this project.
I take this opportunity to thank our Coordinator, Dr. Shital N. Patil, for her moral
support and guidance.
I would also like to express my sincere gratitude towards my project guide, Mrs.
Nisha Gupta whose guidance and care made the project successful.
I would like to thank my College Library, for having provided various reference
books and magazines related to my project.
Lastly, I would like to thank each and every person who directly or indirectly helped
me in the completion of the project, especially my parents and Peers who supported
me throughout my project.
_________________
(Name & Signature of the learner)
Roll No. ________

Index
Sr. no. Chapter Scheme Page No.

1 Title Page (Inside) II
2 Certificate III
3 Declaration by Learner IV
4 Acknowledgement V
5 Index of contents & Tables VI
6 Abstract/Summary
7 Chapter 1: Introduction
1.1.Introduction
1.2.Problem on hand
1.3. Historical background
1.4. Profile of the study area
1.5.Conceptual framework
8 Chapter 2: Review of literatures
9 Chapter 3:.Research Methodology

3.1.Objectives of the study
3.2 Hypothesis
3.3 Scope of the study
3.4 Limitations of the study
3.5 Significance of the study
3.6 Selection of the problem,
3.7 Sample Size
3.8 Collection of Data
3.9 Tabulation of Data
3.10 Techniques used for data collection and analysis
10 Chapter 4: Data Analysis, Interpretation and

Presentation
4.1.Analysis of data with tabular and graphical
presentation
4.2 Interpretation of data
11 Chapter 5: Conclusions and Suggestions
4.1.Summary & Conclusion
4.2.Recommendations
4.3.Future Scope
4.4.Limitations
12 Bibliography
SUMMARY
I researched the problems and difficulties faced by YES BANK as a result of bank
failure.YES BANK has been recognised amongst the Top and Fastest Growing Banks
in various Indian Banking League Tables by prestigious media houses and Global
Advisory Firms, and has received several national and international honours for our
various Businesses including Corporate Investment Banking, Treasury, Transaction
Banking, and Sustainable practices through Responsible Banking. YES BANK is
steadily evolving as the Professionals’ Bank of India with the long term mission of
“Building the Finest Quality Bank of the World in India” by 2020. The financial
position of Yes Bank has undergone a steady decline over the last few years because
of its inability to raise capital to address potential loan losses and resultant
downgrades, triggering invocation of bond covenants by investors, and withdrawal of
deposits. The bank was making losses and inadequate profits in the last four quarters.
The bank has also experienced serious governance issues and practices in recent years
which have led to a steady decline of the bank. Take, for instance, the bank under-
reported NPAs to the tune of Rs 3,277 crore in 2018-19.The bank was facing regular
outflow of liquidity. It means that the bank was witnessing withdrawal of deposits
from customers. In fact, the deposits are bread and butter of a bank. The bank had the
deposit book of Rs 2.09 lakh crore at the end of September 2019. The banking
regulator, while recommending a moratorium, cited a steady decline in YES Bank’s
financial position, mainly due to the lender’s inability to raise adequate capital to
make provisions for potential non-performing assets. This failing resulted in
downgrades by credit rating agencies, which in turn made capital raising even more
difficult. This apart, there were serious lapses in corporate governance at the
bank.This paper will focus on the problems and crisis faced by Yes Bank and it will
also examine the effect of failure and the steps taken to cope up with this failures.
CHAPTER 01
INTRODUCTION
Yes Bank Ltd was incorporated on November 21 2003. The bank was founded by
Rana Kapoor and Ashok Kapur in 2004. The Bank obtained certificate of
commencement of business on January 21 2004. In the year 2005 they forayed into
retail banking with launch of International Gold and Silver debit card in partnership
with MasterCard International. Yes Bank Limited is an Indian private sector
bank headquartered in Mumbai, India .It offers wide range of banking and financial
products for corporate and retail customers through retail banking and asset
management services.On 5 March 2020 in an attempt to avoid the collapse of the
bank, which had an excessive amount of bad loans, the Reserve Bank of India (RBI)
took control of it. RBI later reconstructed the board and named Prashant Kumar,
former Chief financial officer of SBI, as new MD & CEO at Yes Bank.Yes Bank is an
associate of State Bank of India which has a 30% stake in the company as of 28 July
2020.
Yes Bank has interests in Retail, MSME and corporate banking. It has three
subsidiaries – YES Securities (India) Limited, YES Trustee Limited and YES Asset
Management (India) Limited.
As of September 2018, Yes Bank had taken syndicated loans from eight large
international entities including ADB, OPIC, European investment bank, banks
in Taiwan and Japan for amounts ranging from US$30 million to US$410 million,
which it in turn lend to small and medium scale enterprises as well as large
corporates. It has also both taken as well as given short term loans to a number of
retail and corporate banks in Taiwan, Japan, the United States, and Europe. It has
partnered with the US government based OPIC and with Wells Fargo to support
women entrepreneurs.
Yes Bank provides Unified Payments Interface (UPI) services for a number of major
companies, such as Airtel, Cleartrip, RedBus, and Phone Pe among others. In January
2020, it was responsible for handling 514 million UPI transactions out of the 1.31
billion made that month. Yes bank has acquired over 24 percent of stake in dish
TV India on 30 May 2020. As of March 2018, as per its annual shareholder's report,
the three largest shareholders of Yes Bank limited were foreign portfolio investors
(43%), insurance companies (14%), and mutual funds including UTI (10%).
Smaller (less than 5%) shareholdings were owned by its three promoters [Rana
Kapoor (4%), Yes Capital (India) Pvt. Ltd. (3%), and Morgan Credits Pvt. Ltd. (3%)]
and other investors including Madhu Kapur (8%), Mags Finvest Pvt. Ltd. (2%),
and LIC India under its various schemes (10%).
On March 2020, State Bank of India invested ₹7,250 crore (US$1.0 billion) in the
bank amid financial crisis and holds 30% stake in the company as of 28 July 2020.
In September 2016, Yes Bank scrapped its proposed $1 billion share sale due to
market conditions. The company subsequently attempted to relaunch its failed capital
raising exercise after appointing a new set of bankers.
In October 2017, the bank launched a digital wallet known as Yes Pay, integrating
with BHIM and UPI. On 3 November 2017, Yes Bank signed a MoU with
the government to provide ₹1,000 crore (equivalent to ₹11 billion or US$160 million
in 2019) financing for food processing projects. On 5 March 2020, the Reserve Bank
of India (RBI) announced that, in the interest of its customers and depositors, it would
suspend and supersede Yes Bank's board and impose a 30-day moratorium on its
operations. The RBI cited Yes Bank's failures to raise new funding to cover its non-
performing assets, inaccurate statements of confidence in its ability to receive new
funding, and its underreporting of its non-performing assets, among other factors, as
the impetus for this moratorium. Customers are being limited from withdrawing more
than ₹50,000 (US$700) from their accounts, except in certain exceptional
circumstances (such as to cover medical care, emergencies, higher education, and
"obligatory expenses" for ceremonies such as weddings). RBI governor Shaktikanta
Das stated that the matter would be resolved "swiftly"; Finance Minister Nirmala
Sitharaman announced a proposed turnaround plan, under which the State Bank of
India would take a 49% stake in Yes Bank and introduce a new board.[28][29][30][31]
On 6 March 2020, ICRA downgraded the rating of Yes Bank's ₹52,600

crore (US$7.4 billion) in core bonds to a "D" rating, while Moody's downgraded them
to "Caa3". On 8 March 2020, Yes Bank founder Rana Kapoor was arrested by
the Enforcement Directorate under charges of money laundering.
The moratorium caused major disruptions to e-commerce in India, due to a number of

prominent services and online stores having used Yes Bank as its payment provider
for UPI. Some services using Yes Bank in tandem with other payment providers have
seen fewer disruptions.
On 13 March 2020, the Union Cabinet approved the reconstruction scheme for Yes
Bank and that within three days of the notification of the scheme the moratorium
would be lifted. During this reconstruction, seven investors infused ₹12,000
crore (US$1.7 billion) in Yes bank and Prashant Kumar was proposed as new CEO of
the bank. These investors include State Bank of India, ICICI Bank, HDFC Bank, Axis
Bank, Kotak Mahindra Bank, Rakesh Jhunjhunwala, Radhakishan Damani and Azim
Premji trust.
In April 2021, Yes Bank was fined ₹25 crore (US$3.5 million) by SEBI for
fraudulently selling risky bonds without the necessary warnings and risk
assessments. The Securities Appellate Tribunal (SAT) imposed an interim stay on
SEBI's order.
1.2 Problem on hand:
Yes bank is one of the biggest banks in India. India has both the public sector and
private sector banks. Yes bank faced a hard situation during the year 2020. On 5
March 2020, a 30 days moratorium was imposed on Yes Bank by RBI, superseded the
private sector lender board, and appointed Prashant Kumar as an administrator over
it. During this Moratorium, depositors were allowed to withdraw up to 50,000 per
person. Further, the main object of the Reserve Bank of India or the Government of
India is to safeguard the money of depositors.
Some of the problems faced by YES BANK are as follows:
A large amount of loan:
On 31st March 2014, Yes Bank book of accounts reflected loan as 55,633 crores, and
the deposit book data was 74,192 crores. Since then loan growth increased highly and
went to 2.25 trillion as of Sept 30 of 2019.
The Asset quality of the bank also worsened. According to global financial
company UBS, it has been pointed out that Yes bank is giving stressed loans to such
companies which cannot repay the loan in time. It was a high risk taken by Yes Bank.
Such loans are called bad loans.
Loan to firms and companies and NPA’s :
In the 2015 UBS report, a global financial service company made an analysis and
found that assets quality of Yes Bank had loans more than its net worth to such
companies that are unlikely to repay the loan amount.
Also, Yes Bank continued to give loan amounts to several big firms and companies
that resulted in the start of the crisis. Such companies were DHFL, CCD, Essel group,
Reliance group of industries etc. because such corporate companies cannot repay the
loan amount in a limited period. Around 25% of loans were given to the non-banking
financial companies, real estate firms, and construction sector. These sectors are the
more struggling sectors of India during the past few years.
The bad loans of Yes Bank are estimated to be around Rs.40000 crores (Gross NPA).
While the Gross NPA was around 19% of advances, Net NPA was around 6% of
loans at the end of December 2019. And it is the time when performing assets
(NPA’s) started rising in Yes Bank.
A large number of withdrawals:
While the loan amount was increasing at a high rate, on the other hand, withdrawals
were also increasing. The bank showed steady withdrawals due to this burden on the
balance sheet and slowly the bank collapsed.
Bank run situations have been raised as people panicked seeing news relating to the
Yes Bank crisis. Bank run situations arise when a large number of depositors
withdraw their money during the same period or within a specific period. A bank run
typically results due to panic rather than true insolvency.
Huge Liabilities:
The Yes Bank has a total liability of 24 thousand crore dollars. The bank has a
balance sheet of about $40 billion (2.85 lakh crore rupees). It had to pay $ 2 billion to
increase the capital base. (As per 2019 data) These were some reasons behind the
pitiable condition of the yes bank.
Improper governance :
Yes bank is a private sector bank. It has faced several governance issues that led to
this crisis. In January 2020, Uttam Prakash Agarwal independent director quit Yes
Bank, citing governance of Yes Bank due to its degradation.
Excessive withdrawals:
YES Bank’s financial condition dissuaded many depositors from keeping funds in the
bank over a longer term. The bank showed a steady withdrawal of deposits, which
burdened its balance sheet and added to its woes. The bank had a deposit book of Rs
2.09 trillion at the end of September 2019.
Bank mergers :
After the Reserve Bank of India put a Moratorium of 30 days on Yes Bank in March
2020, finance minister Nirmala Sitharaman announced that the State Bank of India
will buy 49% stake in Yes Bank. But Chairman Rajnish Kumar clarified that there
will be no merger between the banks.
After the announcement of the merger, the onus was on India’s largest bank SBI to
save Yes Bank from the crisis.
He said, “there is absolutely no question of merger.” There was no such intention of a

full merger of Yes Bank with SBI, which have been cleared by the newly appointed
administrator on CNBC TV18.
The investment made by the State Bank of India was the best deal to cope with the
current situation. Depositors of Yes bank were not confident that their money is safe.
Later on, they realised that their money was in safe hands. The survival of Yes Bank
was a must in banking history.
Corporate Loans :
Yes Bank founder Mr. Rana Kapoor was arrested on allegations that he has approved
corporate loans. The total number of non-performing assets was 42000 crores. A large
number of customers of Yes Bank were from corporate sectors. Such companies took
loans from Yes Bank and later they were at loss. It affected the Bank because
companies were unable to repay the loan in time.
Corporate debt and divergence in credit ratings :
Yes Bank as a commercial bank provided a complete range of products services and
digital technology products etc. It also provided loans to companies and firms. Such
companies were DHFL, CCD, Essel group, reliance group of industries etc. Because
of the crisis, Yes bank credit trade downgraded in March 2020. The main reason for
imposing a Moratorium on Yes Bank was a lack of increase in the capital of Yes
Bank.
Due to the downgrading of credit rates, it was also difficult for banks to raise capital.
Yes Bank’s financial position was low. There were serious lapses in corporate
governance of Yes Bank.
1.3 Historical Background:
Yes Bank provides banking and financial services. There are around 1050
branches all over India. Yes Bank Ltd. was incorporated on November 21, 2003 by
Rana Kapoor and late Ashok Kapoor.The Bank got the certificate of commencement
of business on January 21, 2004. In the year 2005, they forayed into retail banking
with the launch of the International Gold and Silver debit card in partnership with
MasterCard International. In June 2005, they came out with the public issue and their
shares were listed on the stock exchanges.In December 2005, the Bank bagged the
Corporate Dossier award from Economic Times. In the year 2006, the Bank received
Financial Express Awards for India’s Best Banks. In April 2007, they made a tie-up
with the Agriculture Insurance Company of India (AIC).This is to be noted that, Yes
Bank was the first institution, globally, which has received funding through IFC’s
Managed Co-Lending Portfolio Program and it is also the first Indian bank to raise a
loan under IFC’s A/B loan facility. Yes bank was ranked number 1 bank in the
Business Today-KPMG Best Banks Annual Survey 2008.In September 2014, Yes
Bank announced it had received a ratings upgrade from credit rating agency ICRA
and CARE for its various long-term debt programs. On December 18 2017, Yes Bank
made its entry in the 30-share S&P BSE Sensex. In 2017, RBI noticed bad loans of
Yes Bank. In 2018 RBI ordered Rana Kapoor to vacate the chair of CEO. In
November 2018 Chairman and two independent directors resigned from the post. This
was the time when Yes bank credit rates decreased. In 2019, November Rana
Kapoor’s house sold away all his shares of Yes Bank at a total value of 142 crores.
Since the bank was lending money at high risk, the loan increased in such a way
that led to the bank crisis. Yes Bank Ltd is engaged in providing a range of banking
and financial services. The Bank operates in four segments: Treasury
Corporate/Wholesale Banking Retail Banking and Other Banking Operations. The
Treasury segment includes investments all financial markets activities undertaken on
behalf of the Bank's customers trading maintenance of reserve requirements and
resource mobilization from other Banks and financial institutions. The
Corporate/Wholesale Banking segment includes lending deposit taking and other
services offered to corporate customers.
The Retail Banking segment includes lending deposit taking and other services
offered to retail customers. The Other Banking Operations segment includes para
banking activities such as third-party product distribution and merchant banking. Yes
Bank's branch network stood at 1050 branches and its ATM network stood at 1724 as
on 31 December 2017 which includes 573 Bunch Note Acceptors/Cash Recyclers.
The branch and ATM network is spread in 29 states and 7 Union Territories. Yes
Bank Ltd was incorporated on November 21 2003. The bank was founded by Rana
Kapoor. The Bank obtained certificate of commencement of business on January 21
2004. In the year 2005 they forayed into retail banking with launch of International
Gold and Silver debit card in partnership with MasterCard International. In June 2005
they came out with the public issue and their shares were listed on the stock
exchanges. In December 2005 the Bank bagged Corporate Dossier award from
Economic Times. In the year 2006 the Bank received Financial Express Awards for
India's Best Banks. In April 2007 they made a tie-up with the Agriculture Insurance
Company of India (AIC). The Bank was ranked as the No 1 Emerging Markets
Sustainable Bank of the Year-Asia at the FT/IFC Washington Sustainable Banking
Awards 2008 in London. The Bank was ranked as the No 1 Bank in the Business
Today-KPMG Best Banks Annual Survey 2008.During the year 2008-09 the Bank
opened 50 new branches and 18 new off-site ATMs. During the year 2009-10 the
Bank opened 33 new branches. They opened 64 Branches during the year 2010-11.
As of March 31 2011 they operated 214 branches across 164 cities in India and
approximately 250 automated teller machines (ATMs).At the beginning of Financial
Year 2010-11 the Bank embarked on an ambitious journey into the next phase of
growth and launched YES BANK - VERSION 2.0 Building the Best Quality Bank of
the World in India. Version 2.0 is clearly the most stimulating phase in the life cycle
of YES BANK with a vision of establishing 750 branches 3000 ATMs 12000
employees Rs 125000 Cr. Deposit base Rs 100000 Cr. Loan book and a Rs 150000
Cr. Balance Sheet size by 2015.On 18 September 2013 Yes Bank announced that it
has successfully closed equivalent to USD 255 million by way of Dual Currency
Multi-tenor Syndicated Foreign Currency Loan Facility. The facility has a maturity of
1 and 2 years with majority commitments coming in the 2 year tenure bucket. The
loan has been widely distributed with commitments from 11 banks representing 8
countries across US Europe Middle East Asia and Australia. The said facility shall be
utilized for general corporate purposes and trade finance for our valued clients.On 31
March 2014 Yes Bank announced that it has recently raised additional USD 34
million from DEG through a long term senior loan agreement for a tenor of 6 years.
This loan arrangement follows Yes Bank raising dual tranche USD 150 million from
IFC Washington a member of the World Bank Group for tenor of 2 and 7 years in
December 2013. Yes Bank was the first institution globally to receive funding
through IFC's Managed Co-Lending Portfolio Program and the first Indian bank to
raise loan under IFC's A/B loan facility.On 30 May 2004 Yes Bank announced that it
has successfully closed a qualified institutional placement to raise USD 500 million
(Rs 2942 crore) at issue price of Rs 550 per share.On 18 July 2014 Yes Bank and
TRANSFAST a leading international money transfer company announced the launch
of online money transfer services with instant deposits to customer accounts with any
bank in India through innovative technology offered by Yes Bank and running on the
National Payments Corporation of India (NPCI) core platform. This service facilitates
real-time deposits of funds to all banks currently connected to the NPCI platform for
inward remittances and is available 24 hours a day/7 days a week/365 days a year
setting a new standard money transfer services.On 15 September 2014 Yes Bank
announced that it has received ratings upgrade from credit rating agency ICRA for its
various long term debt programmes. The rating upgrades factor in Yes Bank's
continued robust operating performance with its ability to maintain strong asset
quality indicators through cycles and improving CASA base with increasing
granularity in the liability franchise.
The ratings also factor in the highly successful recent equity mobilisation of USD 500
million by the bank that further strengthens its capitalisation profile. On 30 September
2014 Yes Bank announced that it has received ratings upgrade from credit rating
agency Credit Analysis & Research (CARE) for its lower Tier II upper Tier II and
perpetual bonds. The ratings upgrade comes due to Yes Bank's consistent profitability
performance capital-raising ability and steady asset quality across economic cycles.
On 20 October 2014 Yes Bank announced that it has successfully raised equivalent of
USD 422 million by way of Dual Currency Multi-tenor Syndicated Loan Facility. The
facility has a maturity of 1 2 and 3 years. The loan has been widely distributed with
commitments being received from 21 banks representing 14 countries across the US
Europe Africa Middle East Japan Taiwan & Australia with larger commitment
coming in the 2 & 3 year tranches. The said facility shall be utilized for general
corporate purposes.On 23 December 2014 Yes Bank announced that it has
successfully raised USD 200 million unsecured loan facility from the Asian
Development Bank. The loan will be used by Yes Bank to lend the Indian rupee
equivalent amount to finance working capital and investment loans targeted towards
small farm households and rural women in Self Help Groups (SHGs).On 25 February
2015 Yes Bank announced that it has successfully issued India's first ever Green
Infrastructure Bonds raising an amount of Rs 1000 crore. The issue launched on 16
February 2015 for Rs 500 crore plus green shoe option witnessed strong demand from
leading investors including Insurance companies Pension & Provident Funds Foreign
Portfolio Investors New Pension Schemes and Mutual Funds resulting in a total
subscription of Rs 1000 crore and was closed on 24 February 2015. The bonds are for
a tenor of 10 years. The amount raised will be used by Yes Bank to finance Green
Infrastructure Projects in Renewable Energy including Solar Power Wind Power
Biomass and Small Hydel Projects. The Board of Directors of Yes Bank at its meeting
held on 22 April 2015 approved the proposal to seek final approval of shareholders
for increase in the limit for the FII/FPI of upto 74% of the paid up share capital of the
bank from the existing limit of 49% of the paid up share capital. In another decision
the Board empowered the Capital Raising Committee a sub Committee of the Board
to raise funds by way of issuance of equity capital up to US$ 1 billion in one or more
tranches on such terms and conditions as it may deem fit. The issuance may be by
way of Qualified Institutions Placement (QIP) or any other international offering like
Global Depository Receipts (GDRs)/American Depository Receipts (ADRs) or by any
other appropriate mode as decided by the Capital Raising Committee. The Board also
approved sponsored Level I Depository Receipt (DR) issuance programme of upto 10
million DRs with conversion of 2 equity shares to 1 DR pursuant to the Depository
Receipts Scheme 2014 (the Scheme) for facilitating issue of depository receipts (the
DR) outside India against underlying existing equity shares through a Foreign
Depository through sponsored/unsponsored route.On 14 July 2015 Yes Bank
announced that it has received approval from the Reserve Bank of India to set up
IFSC Banking Units (IBUs) in Gujarat International Finance Tec City (GIFT).
Establishing the IBU will propel Yes Bank's growth plans further by providing it
access to international financial markets as well as provide a comprehensive product
suite to its corporate clients requiring foreign currency (FCY) funding. It will also
allow Yes Bank to raise FCY funding through MTNs and other routes as
appropriate.On 5 August 2015 Yes Bank announced that it has raised Rs 315 crore
through the issue of Green Infrastructure Bonds to International Finance Corporation
Washington. This is the first investment by IFC in an Emerging Markets Green Bond
issue in the world. The bonds are for a tenor of 10 years. The amount raised will be
used by Yes Bank to finance green infrastructure projects like solar power and wind
power in the renewable energy space. Speaking at the inaugural session of the Tamil
Nadu Global Investors Meet 2015 in Chennai Rana Kapoor MD & CEO of Yes Bank
announced on 9 September 2015 the planned launch of Yes Bank's single largest
National Centralised Operations Management and Services Delivery facility in
Ambattur - Chennai. This Chennai facility which is envisaged as the future of
Banking Services Operations & technology of the world in India will be spread across
4 lac square ft space. As the anchor tenant the tower will be named Yes Bank Tower
Centre of Management Excellence and will be expanded to 9 lac sq ft in the second
phase by March 2018. The Phase 1 of the facility is expected to become operational
by Q1 FY 2017.On 27 October 2015 Yes Bank announced that it has operationalised
its IFSC Banking Unit (IBU) in the Gujarat International Finance Tec City (GIFT)
thus becoming the first bank to have begun its operations by setting up an IBU in
GIFT city. On 31 December 2015 Yes Bank announced that the bank has successfully
raised Rs 1500 crore of Basel III compliant Tier II bonds. The bonds will be listed on
the BSE Limited.On 30 November 2015 Yes Bank announced that it has signed an
agreement with the Overseas Private Investment Corporation (OPIC) the US
government's Development Finance Institution for debt financing of $245 million to
increase lending to micro small and medium enterprises (MSMEs) in India. US-based
lender Wells Fargo Bank N.A. will act as sponsor and co-lender to the project
providing a loan of $20 million bringing the total facility amount to $265 million.
Specifically half of the financing will be used to support either Micro-SMEs or SMEs
in underserved rural and urban markets.On 19 January 2016 Yes Bank formalised the
Memorandum of Understanding signed with The London Stock Exchange during
Prime Minister Narendra Modi's UK visit in November 2015 to develop bond and
equity issuance with particular focus on the relatively untapped sector of Green
Infrastructure Finance. As part of the agreement with London Stock Exchange Group
Yes Bank confirmed that it plans to list a Green Bond of up to $500 million on
London Stock Exchange by December 2016. On 3 March 2016 Yes Bank announced
that it has acquired 5 lakh equity shares of Institutional Investor Advisory Services
(IiAS) from BSE Limited which is equivalent to 5.006% of the paid-up capital of
IiAS. IiAS is a proxy advisory firm dedicated to providing participants in the Indian
market with independent opinion research and data on corporate governance issues as
well as voting recommendations on shareholder resolutions.On 27 July 2016 Yes
Bank announced that it has received an inprinciple approval from the Securities &
Exchange Board of India (SEBI) to sponsor a mutual fund and to setup an Asset
Management Company (AMC) and a Trustee Company. The AMC and the Trust
Company will be set up as wholly owned subsidiaries of the bank. Yes Bank said that
the AMC will further strengthen Yes Bank's expertise in wealth management
solutions debt capital markets and gain from its significant and growing customer
base & distribution network and overall execution expertise to build a large and
profitable fund management franchise. Earlier in October 2015 Yes Bank received
approval from the Reserve Bank of India to sponsor a Mutual Fund and to setup Asset
Management Company (AMC) and a Trustee Company. On 8 September 2016 Yes
Bank announced its decision to defer qualified institutions placement (QIP) of its
equity shares due to heightened volatility in stock price during early course of trading
hours on that day. On 27 September 2016 Yes Bank announced that it will raise Rs
330 crore (approximately USD 50 million equivalent) through an issue of a 7-year
Green Infrastructure Bonds to FMO the Dutch Development Bank on a private
placement basis. FMO will be investing in Yes Bank's bonds through FMO's own
sustainable bonds. The amount raised will be used by Yes Bank to finance green
infrastructure including solar and wind projects in the renewable energy space. This
issuance would be externally assured by a reputed third party. An external annual
review and monitoring would be undertaken on the use of proceeds in line with the
Green Bond Principles 2016.On 4 October 2016 Yes Bank announced that it has
successfully raised Rs 2135 crore (including green shoe of Rs 1135 crore) by issuing
Senior Long-term Infrastructure Bonds on private placement basis. The proceeds from
the Infrastructure Bonds will be used to finance long term projects in infrastructure
and its allied sub-sectors in accordance with the guidelines issued by the Reserve
Bank of India. On 2 November 2016 Yes Bank announced that it has generated $ 650
million worth of business outstanding (Customer Assets) at its IFSC Banking Unit
(IBU) in Gujarat International Finance Tec City (GIFT). Yes Bank was the first bank
to start operations in GIFT City in October 2015.On 29 March 2017 Yes Bank
announced closure of qualified institutions placement (QIP) of its equity shares. The
bank successfully raised Rs 4906.65 crore from issue of 3.27 crore shares at the issue
price of Rs 1500 per share. The Capital Raising Committee of the Board of Yes Bank
on 16 October 2017 approved the issue of Perpetual Subordinated Unsecured Non
Convertible BASEL III compliant Additional Tier I Bonds in the nature of Debentures
of Rs 10 lakh each aggregating to Rs 3000 crore with a Green shoe option to retain
oversubscription to the extent of an additional Rs 3000 crore.The Board of Directors
of Yes Bank at its meeting held on 26 July 2017 approved sub-division of equity
shares from 1 equity share of Rs 10 each into 5 equity shares of Rs 2 each. On 21
November 2017 Yes Bank announced that it has raised USD 400 million through two
syndicated loan transactions in Taiwan and Japan comprising USD 250 million from
Taiwanese banks and JPY 16.5 billion (USD 150 million) from Japan.On 23
November 2017 Yes Bank announced that it has been included in the MSCI All
Country World Index (ACWI) - ESG Leaders Index and MSCI ACWI SRI Index.
This makes the bank the first and only Indian bank to be part of the three global ESG
benchmark indices - MSCI ESG/SRI DJSI and FTSE4Good in 2017.On 29 November
2017 Yes Bank announced that the Capital Raising Committee of the Board of the
bank at its meeting held on 29 November 2017 has considered and approved the
bank's proposal to set up the Medium Term Note (MTN) Programme for an amount of
USD 1 billion to eligible investors from time to time in one or more tranches and/or
series under the MTN programme of the Bank within limits permitted by regulatory
authorities.On 12 December 2017 Yes Bank subscribed to and was allotted 9.4 lakh
equity shares constituting 5.62% of the post-issue paid-up capital of OPOSL under the
anchor investor portion in the initial public offer of OPOSL on the Emerge platform
of National Stock Exchange of India. OPOSL is primarily a domestic BPO mainly
engaged in outsourcing services which includes inbound and outbound call bank
office/transaction processing data management services and business analytics
catering to clients across industries including telecommunications BFSI travel
manufacturing E-commerce etc. On 18 December 2017 Yes Bank made its entry in
the 30-share S&P BSE Sensex.On 19 December 2017 Yes Bank announced that
expansion of renewable energy power generation across India will be supported by a
new USD 400 million joint initiative backed by the European Investment Bank (EIB)
and Yes Bank..
1.4 Profile of the study area:
YES BANK Ltd. is a holding company, which engages in the provision of

commercial banking and financial services. The firm offers client focused corporate
banking services, including working capital finance, term loans, specialized corporate
finance, trade and transactional services, debt capital, cash management, treasury
services, investment banking, and liquidity management solutions. It operates through
the following segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and
Other Banking Operations.
The Treasury segment includes investments of all financial markets activities

undertaken on behalf of the bank's customers, proprietary trading, maintenance of
reserve requirements, and resource mobilization from other banks and financial
institutions. The Corporate/Wholesale Banking segment provides lending, deposit
taking, and other services offered to corporate customers. The Retail Banking
segment offers lending, deposit taking, and other services offered to retail customers.
The Other Banking Operations segment represents para banking activities including
third party product distribution and merchant banking. The company was founded by
Rana Kapoor and Ashok Kapur on November 21, 2003 and is headquartered in
Mumbai, India.
Type Public
Traded as BSE: 532648

NSE: YESBANK
ISIN INE528G01035
Industry Banking, Financial services[1]
Founded 2004; 17 years ago
Founder Rana Kapoor

Ashok Kapur[2]
Headquarters Mumbai, Maharashtra, India
 Sunil Mehta
Key people
(Chairman)
 Prashant Kumar
(MD & CEO)
Products  Credit cards

 Consumer banking
 Corporate banking
 Finance and insurance
 Mortgage loans
 Private banking
 Wealth management
 Investment banking
Revenue ₹10,769
crore (US$1.5 billion) (2021)
Operating ₹4,977
income crore (US$700 million)[3] (2021)
Net income ₹−3,462

crore (US$−490 million)[3] (2021)
Total assets ₹273,543

crore (US$38 billion) (2021)
Total equity ₹19,184.87

crore (US$2.7 billion)[4] (2020)
Number of 22375(2021)[5]
employees
Capital ratio 17.0% [5]
Key People Yes Bank Ltd.
Board of Directors
Name/Title Current Board Membership
YES BANK Ltd., Welmo Fintech Pvt

Ltd., Bodytronix Fitness Pvt Ltd., SPM
Capital Advisers Pvt Ltd., Asia Society
Sunil MehtaNon-Executive Chairman India Centre Pvt Ltd., IIML Asset
Advisors Pvt Ltd., Punjab National Bank
(International) Ltd., ACC Ltd., Sashakt
India Asset Management Ltd.
Prashant KumarChief Executive Officer,

YES BANK Ltd.
MD & Executive Director
Mahesh KrishnamurtiNon-Independent YES BANK Ltd., American Chamber of
Non-Executive Director Commerce in India, myCFO, Inc.
CARE Ratings Ltd., SBI Capital Markets

Ltd., Agappe Diagnostics Ltd., Clearcorp
Ananth Narayan GopalakrishnanNon- Dealing Systems India Ltd., NSDL
Independent Non-Executive Director Payments Bank Ltd., YES BANK Ltd.,
Southern Ridges Macro Fund, Dvara
Research Foundation
Atul BhedaNon-Independent Non-

YES BANK Ltd., Xbrl India Ltd.
Executive Director
Vadalur Subramanian YES BANK Ltd., SBI Macquarie

RadhakrishnanNon-Executive Director Infrastructure Management Pvt Ltd.
SPL Towers Pvt Ltd., YES BANK Ltd.,

Ravindra PandeyNon-Executive Director National Payments Corp. of India Ltd.,
SBI Payment Services Pvt Ltd.
BFSI Sector Skill Council of India,

Electronic Payment & Services Pvt Ltd.,
Nesl Asset Data Ltd., National E-
Rama Subramaniam GandhiNon- Governance Services Ltd., Clearcorp
Independent Non-Executive Director Dealing Systems India Ltd., The Clearing
Corp. of India Ltd., Perfect Day India Pvt
Ltd., Perfios Software Solutions Pvt Ltd.,
YES BANK Ltd.
YES BANK Ltd., Union Bank of

Atul MalikNon-Executive Director Colombo Plc, BOB Financial Solutions
Ltd., UB Finance Co. Ltd.
Rekha MurthyNon-Executive Director YES BANK Ltd.
All Executives
 Sunil MehtaNon-Executive Chairman
 Prashant KumarChief Executive Officer, MD & Executive Director

 Anita PaiChief Operating Officer & Senior Group President

 Niranjan BanodkarGroup Chief Financial Officer

 Mahesh RamamoorthyChief Information Officer

 Rajeev UberoiSenior Group President

 Parag GorakshakarChief Credit Officer & Senior Group President II

 Sumit GuptaChief Risk Officer & Senior Group President II

 Ashish ChandakChief Compliance Officer & Group President

 Ashish JoshiChief Vigilance Officer

 Indranil PanChief Economist

 Shivanand Rama ShettigarSecretary & Compliance Officer

 Amit SurekaHead-Financial Markets

 Rajan PentalGlobal Head-Branch & Retail Lending

 Mahesh KrishnamurtiNon-Independent Non-Executive Director

 Ananth Narayan GopalakrishnanNon-Independent Non-Executive Director

 Atul BhedaNon-Independent Non-Executive Director

 Vadalur Subramanian RadhakrishnanNon-Executive Director

 Ravindra PandeyNon-Executive Director

 Rama Subramaniam GandhiNon-Independent Non-Executive Director

 Atul MalikNon-Executive Director
 Rekha MurthyNon-Executive Director

 Swati SinghExecutive VP-Marketing & Corporate Communication

 Jasneet BachalChief Marketing Officer

 Jyoti Prasad RathoChief Internal Auditor & Senior Group President II

 Anurag AdlakhaChief Human Resources Officer

 Sanjay NambiarGeneral Counsel
Ownership Yes Bank Ltd.
Mutual Funds that own YES BANK

%
Shares Change In % of
Name Shares Held Out Shares Assets As of Date
iShares Core MSCI

Emerging Markets 80286456 0.32% 0 0.02% 08/31/21
ETF
iShares Tr. - MSCI

76009704 0.30% -989774 0.22% 08/31/21
India ETF
Most Diversified Port.

- TOBAM Anti-
57482683 0.23% 57482683 0.41% 12/31/20
Benchmark EM
Equity
%
Shares Change In % of
ICICI Prudential
54287908 0.22% 1573106 2.93% 07/31/21
Private Banks ETF
iShares MSCI
ETF
Jupiter India Fund 29799455 0.12% -14086609 0.73% 04/30/21
Vanguard Total
International Stock 24451507 0.10% 0 0.00% 07/31/21
Index Fund
Vanguard Emerging
Markets Stock Index 21002133 0.08% 0 0.00% 07/31/21
Fund
DFA Dimensional
Value Fund
Vanguard Investment
Series Plc - Emerging 18461415 0.07% 0 0.03% 06/30/2
Markets Stock Index
Institutions that own YESBANK
% Shares Change In % of
Life Insurance Corp of

1250015999 4.99% 0 0.24% 06/30/21
India
Life Insurance Corp of

1250015999 4.99% 0 0.24% 06/30/21
India
Tilden Park Capital

679734967 2.71% -152774036 41.02% 06/30/21
Management LP
Elara Capital Plc

(Investment 310233750 1.24% 310233750 100.00% 07/23/20
Management)
BlackRock Fund
238011270 0.95% 237453068 0.01% 08/30/21
Advisors
BlackRock Fund
238011270 0.95% 237453068 0.01% 08/30/21
Advisors
ICICI Prudential Asset

68897443 0.28% 2982319 0.05% 07/31/21
Management Co. Ltd.
BlackRock Advisors
42680573 0.17% 42645738 0.01% 08/27/21
(UK) Ltd.
Ward Ferry Management

41558992 0.33% 0 11.51% 09/30/19
Ltd.
Jupiter Asset
36027953 0.14% -17036415 0.04% 04/30/21
Management Ltd.
1.5 Conceptual Framework:
CONCEPTUAL FRAMEWORK (COVID-19 RESTRUCTUING POLICY)
BACKGROUND:
With the resurgence of COVID 19 pandemic, RBI vide circular

DOR.STR.REC.11/21.04.048/2021- 22 dated May 5, 2021 announced additional set
of measures, which are broadly in line with the contours of the Resolution
Framework-1.0, with some modifications. RBI also extended window of one-time
restructuring to eligible MSME borrowers with some modifications vide circular
DOR.STR.REC.12/21.04.048/2021-22 dated May 5, 2021. Both these circulars are
collectively referred to as Resolution Framework 2.0. Further, The RBI vide it’s
circular DOR.STR.REC.21/21.04.048/2021-22 and DOR. STR. REC.
20/21.04.048/2021-22 dated June 4, 2021 revised the eligibility conditions, keeping
all other provisions of the circular unchanged. As per Resolution Framework– 2.0, the
Bank to ensure that the resolution under this facility is provided only to the borrowers
having stress on account of COVID-19. Part A: Resolution of Covid-19 related stress
of Micro, Small and Medium Enterprises (MSMEs) Summary of key points - 1. The
borrower should be classified as a Micro, Small or Medium enterprise as on March
31, 2021 in terms of the Gazette Notification S.O. 2119 (E) dated June 26, 2020. 2.
The aggregate exposure, including non-fund-based facilities, of all lending institutions
to the borrower does not exceed INR 50 Crore as on March 31, 2021 3. The
borrower’s account was a ‘standard asset’ as on March 31, 2021. 4. The borrowing
entity is GST-registered on the date of implementation of the restructuring. However,
this condition will not apply to MSMEs that are exempt from GST-registration. This
shall be determined on basis of exemption limit obtaining as on March 31, 2021. 5.
The borrower’s accounts which are not restructured in terms of the circulars
DOR.No.BP.BC/4/ 21.04.048/2020-21 dated August 6, 2020;
DOR.No.BP.BC.34/21.04.048/2019-20 dated February 11, 2020; or
DBR.No.BP.BC.18/21.04.048/2018-19 dated January 1, 2019 (collectively referred to
as MSME restructuring circulars) or DOR. No. BP. BC/3/21.04.048/2020-21 dated
August 6, 2020 on “Resolution Framework for COVID-19-related stress can avail
benefits under Resolution Framework 2.0. 6. The restructuring of the borrower
account is invoked by September 30, 2021. The restructuring shall be treated as
invoked when Bank and the borrower agree to proceed with efforts towards finalizing
a restructuring plan to be implemented in respect of such borrower. 7. The decisions
on applications received by the Bank for invoking restructuring under this facility
shall be communicated in writing to the applicant within 30 days of receipt of such
applications. 8. The decision to invoke the restructuring under this facility shall be
taken by the Bank having exposure to a borrower independent of invocation decisions
taken by other lending institutions, if any, having exposure to the same borrower. 9.
The restructuring of the borrower account to be implemented within 90 days from the
date of invocation. If the borrower is not registered in the Udyam Registration portal,
such registration shall be required to be completed before the date of implementation
of the restructuring plan for the plan to be treated as implemented. 11. Asset
classification of borrowers classified as standard may be retained as such, whereas the
accounts which may have slipped into NPA category between April 1, 2021 and date
of implementation may be upgraded as ‘standard asset’, as on the date of
implementation of the restructuring plan. The asset classification benefit will be
available only if the restructuring is done as per provisions of this circular. 12. Upon
implementation of the restructuring plan, Bank shall keep provision of 10 percent of
the residual debt of the borrower. 13. Re-assessment of Working Capital Cycle
(Applicable for already restructured accounts under MSME): In respect of accounts of
borrowers which were restructured in terms of the MSME restructuring circulars, as a
one-time measure, Bank can review the working capital sanctioned limits and / or
drawing power based on a reassessment of the working capital cycle, reduction of
margins, etc. without the same being treated as restructuring. The terms of re-
assessment are proposed as under: i. The Reduction in margins on DP will be allowed
maximum up to 10% ii. The Debtors period can be increased to Maximum 270 days.
Bank shall complete such re-assessment by September 30, 2021. The reassessed
sanctioned limit / drawing power shall be subject to review by the Bank at least on a
half yearly basis and the Renewal/Reassessment at least on an annual basis. The
annual renewal/reassessment shall be expected to suitably modulate the limits as per
the then-prevailing business conditions. All other instructions specified as per existing
policy shall remain applicable.
Summary of key points –
1. Eligible borrowers
a) Individuals who have availed of personal loans (as defined in the Circular
DBR.No.BP.BC.99/08.13.100/2017-18 dated January 4, 2018 on “XBRL Returns –
Harmonization of Banking Statistics”), excluding the credit facilities provided by
Bank to its own personnel/staff.
b) Individuals who have availed of loans and advances for business purposes and to
whom all the lending institutions have aggregate exposure of not more than INR 50
Crore as on March 31, 2021
c) Small businesses, including those engaged in retail and wholesale trade, other than
those classified as micro, small and medium enterprises as on March 31, 2021, and to
whom the all lending institutions have aggregate exposure of not more than INR 50
Crore as on March 31, 2021
Exposures/borrowers kept out of resolution framework are as below:
a) Exceptions specified in paragraphs 25-28 of the Prudential Framework for

Resolution of Stressed Assets (i.e. restructuring for projects under implementation
involving shift in DCCO, revival and rehabilitation of MSMEs, restructuring of loans
in the event of a natural calamity and borrower entities in respect of which specific
instructions have already been issued or are issued by the Reserve Bank to the banks
for initiation of insolvency proceedings under the IBC)
b) Farm Credit Exposure (Excluding farmer/JLG loans for Agri allied activities, viz.,
dairy, fishery, animal husbandry, poultry, beekeeping and sericulture. Loans given to
farmer households would be eligible for resolution under the Resolution Framework if
they do not meet any other conditions for exclusions listed in the Resolution
Framework
c) Loans to Primary Agricultural Credit Societies (PACS), Farmers' Service Societies
(FSS) & Large-sized Adivasi Multi- Purpose Societies (LAMPS) for on-lending to
agriculture
d) Exposure to Financial Service Providers, Central/State Governments, Local

Government bodies, body corporates established by an Act of parliament/state
legislature and exposure etc.
e) Credit facilities provided to own personnel/staff.
Resolution Plan Invocation & Implementation timelines:
Maximum Permissible Invocation date timeline: Sept 30, 2021.
Implementation timeline: within 90 days from date of invocation. The decisions on

applications received by the Bank from customers for invoking restructuring under
this facility shall be communicated in writing to the applicant by the Bank within 30
days of receipt of such applications. The resolution plan shall be deemed to be
implemented only if all the conditions prescribed in the RBI circular on resolution of
COVID 19 related stress is complied with. Operational guidelines for implementation
of restructuring under Resolution Framework 2.0 may be amended with approval
from CRO within the framework of regulatory circular.
CHAPTER 02
REVIEW OF LITERATURE
Bawa and Goyal (2018),IIMB in their study examines the determinants of non-
performing assets of Indian scheduled commercial banks during the period 2007 and
2014 like the impact of financial ratios, liquidity and solvency indicators, using R-
square method . Gonzalez- Hermosillo (1997) in their study proposed that the banks
which are adequately capitalized had a relatively lower NPAs . Such commercial
banks kept exposure towards credit risk at reasonably low level at the time of lending.
They also studied a positive correlation between higher NPAs and the non-ability of
the banks to repay its deposit holders in situation of insolvency. Salas and Saurina
(2002) in their study proposed that in the pursuit of achieving high rate of growth in
advances, banks tend to ignore the credit risk involved.
This approach of achieving higher loan growth rate ended up increase in the NPAs.
Berger and DeYoung (1997) in their study found various determinants of NPAs. They
also related the operational efficiency of the bank with operational ratios of the bank
viz net interest income to total assets, operational costs in relation to interest income
amongst others. Mukherjee and Das (2012) emphasized on their study on
management of NPAs that while lending the banks should find out the genuine reason
of the borrowers.
The guarantors should also be properly identified in terms of the wealth possessed by
them in order to establish their genuineness.
‘Asset Quality & Risk Management Practices –
An Analysis on Yes Bank’ (DR. ARUNA POLISETTY, 2019), in this study, the
author has been tried to understand the risk management attributes by studying how it
is practiced at the bank. Asset quality numbers are being collected over years and
analysis is done to determine how they are maintained. The Government of India and
the RBI have taken up the task of cleaning up the bank balance sheets on a priority
basis. Several approaches have been used in dealing with loans and the IBC and AMC
concepts are major steps towards this.
This study perceives that regular monitoring of risk management, asset quality (Gross
NPA & Net NPA status, NPA Ratio, PCR, Concentration of NPAs and Divergence)
and knowledge banking, size of bank and other attributes are actually helping the
bank to be with manageable NPA figures. Further, the study is made to look into the
effect of various groups of banks, mainly, State Bank of India (SBI) and its associates,
nationalized banks and private sector banks on the banking industry in this regard.
Capital Structure Analysis and Financials Analysis of Yes Bank in India (By
Hardik Brahmbhatt, 2018)
This research aims to compare the capital structure and financial analysis of selected
banks through some measurements. The annual financial statements of the
commercial banks were used for this study which covers a period of two years from
2015 to 2017 for debt equity and over-all financial analysis. The study assesses the
capital structure of the banking measured by total debt to equity ratio (DER), f-test
have been used to show the capital structure of banks and its performance. However,
this study concludes that there is no significant difference in debt equity ratio amongst
the years and future prospects are much profitable and growth oriented as per
financials. The investors are tending to get the profit if invested during this phase of
year. Coming years for the yes bank are the years of achieving of the target and
mission which is set for the year 2020.
Jayanto nuclear physicist and Dr. Purnima Sharma (2017) conducted a study to
explore cybernation in Indian Banks because the banking administration is associate
degree immaterial feature that demands a viable quality conveyance system from
closures of each suppliers and takers. The deplaning of remote banks and money
establishments, the event of freelance personal banks, and therefore the proportion of
de-direction caused by competition have prompted a state of
affairs wherever the survival of people World Health Organization don't be a part of
the race are going to be worrying.
Md. Abdul Kader, Hanif Hossain (2019) dole out a study to research the
administration of the information system of the private banking sector in Asia. The
study conjointly focuses on decoding the system principally enforced at intervals the
AIS operation by the personal banking system. The study recommends that every one
personal bank maintain a rugged and speedy framework and method that might
establish a downside whole spanking new hires to the dominant system for brand
spanking. They use specifically orientated distributed internet commerce and
arrangement that might build a downside for the cash Administration Division of
assortment data (FAD) in order that they may use a centralised system to maximise
AIS effectiveness.
The impact of monetary accounting on the financial performance of insurance

firms in Asian nation has been investigated by Abdul and Abu (2019).
Employing a semi-structured form consisting of open and closed-ended queries, the
key data was collected. The sample size was fifty two, that was picked mistreatment
the Bulgarian algorithmic program.
The results of the regression of the study show that liquidity had a true and powerful
impact on the profit of the deposit cash banks listed in African country, thus it's
finished that liquidity within the banking sector helped improve their profit
throughout the study time.
CHAPTER 03
RESEARCH METHODOLOGY
3.1. Objectives of the study:
This research aims to gain insight into the banking customer’s perspective
towards a bank crisis on the basis of the recent Yes Bank crisis and a descriptive
research design has been used for the same. The data collected for the proposed study
is via secondary sources such as articles, journals, official websites, and primary data
collected through a structured questionnaire. A Convenient sampling method was
used to determine the sample size. Analysis of this data is done by using the statistical
test Chi-square test of independence and through graphical representation of data.
• To understand the impact of the Yes bank crisis and the moratorium placed on the
bank.
• To understand the Yes Bank customer’s perspective towards the bank, post its
crisis.
• To understand the Non-Yes Bank customers perspective towards the bank, post its
crisis
3.2. Hypothesis:
Hypothesis 1 (Alternate Hypothesis):
To analyze the relationship between Age and Trust of the respondents towards the
bank post its crisis.
Hypothesis 0 (Null Hypothesis):
There exists no significant relationship between Age and Trust, they are independent.
3.3. Scope of Study:
The project has been prepared with the objective of finding the reasons of failure of
the bank and the effective steps taken to overcome this problem by collecting and
analyzing information from various sources and making strategies for the same.
Report has valuable information which has been carefully collected and analysis on
the same has been made to reach at the appropriate conclusion. Survey has been done
of the various charitable institutes with appropriate questionnaire framed with the
objective kept in mind. Questions were asked to the officials to the various
organizations and necessary information was collected as a primary source to the
subject. Detail study of Foreign Contribution Regulation Act 1976 is done to have the
deep theoretical and practical knowledge of the project. Project is to study the
requirements of the charitable institutions in the banking product which is done by
meeting different charitable institutions and asking them about their present banker
and their needs
Yes bank was engaged in high-risk lending, as it was providing loans to those who
could not raise funds elsewhere. He followed an aggressive route to expand theloans
division, he was also able to balance the requirement of businesses with the bank's
need for prompt repayments. He used a simple strategy to provide big loans to those
who asked for it but made borrowers pay a very high fee upfront in the range of 2 to
10 percent of the sanctioned amount. He also charged interest rates of up to 16% per
annum, around 3% higher than the rates of competitors. The assets books of Yes bank
showed promising growth until 2017 , but then the problem of Non performing
assets(NPA‟s) came into the highlight. Everyone expected that Yes bank to be one of
the largest private sector banks in India. Investors, customers everyone were happy,
and this was until RBI refused to let Rana continue being the CEO. The company‟s
stock price started to decline. Investors were clueless as to why Rana was being
ousted. Yes Bank‟s stocks started to shrink. There were speculations that the
company was underreporting bad loans. In order to improve the situation, a new CEO
was appointed along with a change in management by RBI. But, Yes Bank was
destined to lose, despite optimistic assessments.
3.4 Limitations of the study:
Every living and non living thing has its own limitation which restricts the usability of
that thing. The same rule applies to this research work. The main limitation of the
study is as under:
1. This research work is a micro nature based in the samples selected.
2. This study is based on secondary data derived from published annual reports of the
selected units.
3. The reliability and finding are contingent upon the data published in annual report.
4. The present study is based on only secondary information which has its own
limitations.
5. Some information being very sensitive as far as an organization is concerned is left

untouched and mentioned in any ways.
6. The topic is broad in nature which is a limitation.
7. The main limitation of this research work is the absence if primary data.
3.6. Selection of the problem:
The bank’s loan book on March 31, 2014, was Rs 55,633 crore, and its deposits were
Rs 74,192 crore. Since then, the loan book has grown to nearly four times as much, at
Rs 2.25 trillion as on September 30, 2019. While deposit growth failed to keep pace
and increased at less than three times to Rs 2.10 trillion. The bank’s asset quality also
worsened and it came under regulator RBI’s scanner.
YES Bank has a substantial exposure to several troubled borrowers, including the
Anil Ambani-led Reliance group, DHFL and IL&FS. The tipping point came when
one of the bank’s independent directors Uttam Prakash Agarwal, resigned from the
board in January 2020 citing governance issues.
Loans not repaid is a major issue of most banks in India. These bad loans are called
Non-Performing Assets (NPA). The Gross Non-Performing Assets of YES Bank was
7.4% of the gross advances at the end of September 2019. It became 18.87 per
cent of the bank’s total loan book (or Rs 40,709.20 crore) at the end of December
2019.
The crisis at YES Bank started when the huge NPA issue at YES Bank became
public.
For the quarter ended December 2019, Yes Bank reported a loss of Rs 18,564 crore
compared to a profit of Rs 1001 crore in the same quarter in 2018. The bank’s net loss
would have been wider at Rs 24,778 crore in the third quarter if it weren’t for a tax
write-back of Rs 6,214 crore. In the preceding quarter,
Yes Bank had reported a net loss of Rs 600 crore. YES Bank ran into trouble
following the central bank's asset quality reviews in 2017 and 2018, which led to a
sharp increase in its impaired loans ratio and uncovered significant governance lapses
that led to a complete change of management. The bank subsequently struggled to
address its capitalisation issues.
3.7. Sample Size:
The study has used non-probability sampling techniques. A non-probability

sampling method assists to selection for the study and it gives facility for proper
selection to all of the population to be selected. Researcher has developed sampling
design by following elements for reliable and appropriate sampling.
This present study consist of the bank statements such as balance sheet income
statement, share price etc.
The researcher has selected sample using non-probability sampling techniques like
as convenience random sampling method. This must be adequate in terms of area,
size, production and services provided by the bank.
3.8. Collection of Data:
Collection of data is the blood vain for any type of research, the kind of data
collected and the method used to collect the data is a very important aspect of
research. There are two basic method of data collection:
1. Primary data
2. Secondary data
Here in this project report more emphasis is given on secondary data. The data
contains the financial statement of bank of previous years. It also includes the share
price rates, mutual fund concept, balance sheet etc.
3.9. Tabulation of Data:
The data collected through secondary source is also in tabulation form as

under:
Here the above data explains the use of YES BANK mobile banking facility and also
the non-users of mobile banking facility. The age group here are in a range of below
20 years to 51 years and above. The number of mobile banking users are less as
compared to non-mobile banking users. The total number of mobile banking users are
55 and that of non mobile banking users are 95.The total number of respondents is
150.
3.10. Techniques used for data collection and analysis:
Data collection is a methodical process of gathering and analyzing specific

information to proffer solutions to relevant questions and evaluate the results. It
focuses on finding out all there is to a particular subject matter. Data is collected to be
further subjected to hypothesis testing which seeks to explain a phenomenon.
Primary Data Collection
Primary data collection by definition is the gathering of raw data collected at the
source. It is a process of collecting the original data collected by a researcher for a
specific research purpose. It could be further analyzed into two segments; qualitative
research and quantitative data collection methods.
Qualitative Research Method
The qualitative research methods of data collection do not involve the collection of
data that involves numbers or a need to be deduced through a mathematical
calculation, rather it is based on the non-quantifiable elements like the feeling or
emotion of the researcher. An example of such a method is an open-ended
questionnaire.
Quantitative Method
Quantitative methods are presented in numbers and require a mathematical calculation

to deduce. An example would be the use of a questionnaire with close-ended
questions to arrive at figures to be calculated mathematically. Also, methods of
correlation and regression, mean, mode and median.
Secondary Data Collection
Secondary data collection, on the other hand, is referred to as the gathering of second-
hand data collected by an individual who is not the original user. It is the process of
collecting data that is already existing, be it already published books, journals, and/or
online portals. In terms of ease, it is much less expensive and easier to collect.
Your choice between Primary data collection and secondary data collection depends
on the nature, scope, and area of your research as well as its aims and objectives.
IMPORTANCE OF DATA COLLECTION
There are a bunch of underlying reasons for collecting data, especially for a
researcher. Walking you through them, here are a few reasons;
 Integrity of the Research
A key reason for collecting data, be it through quantitative or qualitative methods is to

ensure that the integrity of the research question is indeed maintained.
 Reduce the likelihood of errors
The correct use of appropriate data collection of methods reduces the likelihood of
errors consistent with the results.
 Decision Making
To minimize the risk of errors in decision-making, it is important that accurate data is

collected so that the researcher doesn't make uninformed decisions.
 Save Cost and Time
Data collection saves the researcher time and funds that would otherwise be misspent
without a deeper understanding of the topic or subject matter.
 To support a need for a new idea, change, and/or innovation
To prove the need for a change in the norm or the introduction of new information
that will be widely accepted, it is important to collect data as evidence to support
these claims.
CHAPTER 04
DATA ANALYSIS, INTERPRETATION AND PRESENTATION
Data Analysis:
The purpose of analyzing data is to obtain usable and useful information. The
analysis, irrespective of whether the data is qualitative or quantitative, may:
• describe and summarize the data
• identify relationships between variables
• compare variables
• identify the difference between variables
• forecast outcomes
Data Interpretation:
Data interpretation refers to the implementation of processes through which data is

reviewed for the purpose of arriving at an informed conclusion. The interpretation of
data assigns a meaning to the information analyzed and determines its signification
and implications.
The importance of data interpretation is evident and this is why it needs to be done
properly. Data is very likely to arrive from multiple sources and has a tendency to
enter the analysis process with haphazard ordering. Data analysis tends to be
extremely subjective. That is to say, the nature and goal of interpretation will vary
from business to business, likely correlating to the type of data being analyzed. While
there are several different types of processes that are implemented based on individual
data nature, the two broadest and most common categories are “quantitative analysis”
and “qualitative analysis”.
When interpreting data, an analyst must try to discern the differences between
correlation, causation and coincidences, as well as many other bias – but he also has
to consider all the factors involved that may have led to a result. There are various
data interpretation methods one can use.
The interpretation of data is designed to help people make sense of numerical data
that has been collected, analyzed and presented. Having a baseline method (or
methods) for interpreting data will provide your analyst teams a structure and
consistent foundation. Indeed, if several departments have different approaches to
interpret the same data, while sharing the same goals, some mismatched objectives
can result. Disparate methods will lead to duplicated efforts, inconsistent solutions,
wasted energy and inevitably – time and money. In this part, we will look at the two
main methods of interpretation of data: with a qualitative and a quantitative analysis.
Data Presentation:
Data presentation is defined as the process of using various graphical formats to

visually represent the relationship between two or more data sets so that an informed
decision can be made based on them.
The purpose of putting results of experiments into graphs, charts and tables is two-
fold. First, it is a visual way to look at the data and see what happened and make
interpretations. Second, it is usually the best way to show the data to others. Reading
lots of numbers in the text puts people to sleep and does little to convey information.
From an educational standpoint, students at most levels are required to learn various
data presentation methods, and learning to graph data one has collected oneself from
ones own experiments is considerably more engaging and motivating than learning to
graph using data that is given by the teacher.
The three main forms of presentation of data are:
 Textual presentation.
 Data tables.
 Diagrammatic presentation.
4.1. Analysis of Data with tabular and graphical presentation:
Tabular presentation of data with Interpretation of data:
INTERPRETATION:
The above data is in tabular form and it consist of Balance Sheet of Yes Bank. The
figures are in USD. The balance sheet consists of Total Fixed Assets, Non-Current
Investments, Long Term Loans and Advances, Other non-current Assets, Current
Investments, Inventories, Trade Receivables, Cash and Bank Balances, Short-term
Loans and Advances, Other Current Assets, Current Assets etc. The total assets in
USD are 1282, 2583.646, 2720.3, 5629. There is a gradual increase in the total assets.
The total fixed assets in USD are 763.2, 2024.6, 3889.5, 8781.3 . The current
investment is not stable and is of total 44.9 USD.
INTERPRETATION:
The above data consist of data for the financial year 2017 and 2018. It consist of
capital and liabilities and also assets of the bank. The capital and liabilities consist of
Capital, Reserves and Surplus, Deposits, Borrowings and Other liabilities and
provisions. The assets consist of Cash and balances with Reserve Bank of India,
Balances with banks and money at call and short notice, Investments, Advances,
Fixed Assets and Other assets. There is a gradual increase in the capital and liabilities
of Yes bank in the year 2018 as compared to the year 2017.
The total capital and liabilities in the year 2017 is 2,150,599,177 and the total capital
and liabilities in the year 2018 is 3,124,456,033. The increase in liabilities of the bank
is not beneficial for the bank.
There is similar positive change in the assets of the bank in the year 2018 as compared
to the year 2017. The total assets in the year 2017 is 2,150,599,177 and in the year
2018 is 3,124,456,033. This increase in the assets is beneficial for the bank.
INTERPRETATION:
The above tabular presentation of data consist of the financial profile of YES
BANK. It consist of data from the year 2017- 2020. All figures are in crores. The
financial profile consist of Net interest income, Profit after tax, Net advances, Total
assets, CET, Gross NPA, Net NPA and Provision coverage. The net interest income
from the year 2017-18, 2018-19,2019-20 is 7737, 9809, 4637 and 4467 respectively.
There is negative profit after tax in the year 2019-20 i.e. -486. The total assets are
312446, 380826, 371647 and 346576 for the year 2017,2018,2019 and 2020
respectively. The provision coverage for the year 2017,2018,2019,2020 is 50.02, 43.1,
47.8 and 43.1 respectively.
GRAPHICAL PRESENTATION OF DATA WITH
INTERPRETATION OF DATA:
INTERPREATATION:
The above data is graphical presentation of YES BANK. The above data compares the
GNPA(Gross Non-Performing Assets) and NNPA(Net Non- Performing Assets) of
India’s top banks. Here it shows that Yes Bank’s bad loan problem still exists. The
GNPA is highlighted with Blue color and the NNPA is highlighted with Red color.
The banks considered in this graph are HDFC Bank, ICICI Bank, Axis Bank, Kotak
Mahindra Bank, Bank of Baroda, SBI, PNB and YES Bank. Yes Bank consist of high
% of GNPA which ranges between 15% to 18%. PNB consist of high % of NNPA as
compared to other banks which ranges between 3% to 6%.
INTERPRETATION:
The above graphical presentation of data consist of YES BANK’s Stock price. It
consist of data from the year 2005-2011.The graph consist of Investment and
Dividend which is highlighted using purple color and Closing price of year which is
highlighted using blue color.
The investment and dividend is visible only in the year 2005.There is gradual change
in the closing price of the year of stock from the year 2005 to year 2011. The closing
price is low in the year 2005 and 2008.
The closing price of stock is at a peak in the year 2010.The x-axis of graph consist of
the year and Y-axis of graph consist of the price of stock respectively.
There is wave like fluctuation in the price of stock of Yes bank.

CHAPTER 05
CONCLUSIONS AND SUGGESTIONS
5.1. Summary and Conclusion:
Summary:
YES BANK has been recognised amongst the Top and Fastest Growing Banks in
various Indian Banking League Tables by prestigious media houses and Global
Advisory Firms, and has received several national and international honours for our
various Businesses including Corporate Investment Banking, Treasury, Transaction
Banking, and Sustainable practices through Responsible Banking.
YES BANK is steadily evolving as the Professionals’ Bank of India with the long
term mission of “Building the Finest Quality Bank of the World in India” by 2020. I
researched the problems and difficulties faced by YES BANK as a result of bank
failure. The bank was facing regular outflow of liquidity. It means that the bank was
witnessing withdrawal of deposits from customers. In fact, the deposits are bread and
butter of a bank.
The bank had the deposit book of Rs 2.09 lakh crore at the end of September 2019.
The banking regulator, while recommending a moratorium, cited a steady decline in
YES Bank’s financial position, mainly due to the lender’s inability to raise adequate
capital to make provisions for potential non-performing assets.
This apart, there were serious lapses in corporate governance at the bank.This paper
will focus on the problems and crisis faced by Yes Bank and it will also examine the
effect of failure and the steps taken to cope up with this failures.
Conclusion:
Yes Bank was one of the highest-rated new generation private banks until 2017 when
the bank started to face serious bad loan issue.
To stabilise the bank, Yes Bank Ltd. Reconstruction Scheme, 2020 was introduced by
the Reserve Bank of India. RBI had also imposed temporary restrictions regarding the
withdrawal of deposits.
SBI board has given in-principle approval of exploring the possibility of picking up a
stake of up to 49 per cent in Yes Bank. However, the deal is not finalised yet.
To protect the depositors, the bank must be quickly reconstructed. Also, steps should
be taken to liquidate the NPAs. If Yes Bank is resolved effectively, it will protect Yes
Bank’s depositors, and maintain trust in the entire banking system.
In a country like India, most of the population is not digitally savvy and the investors
rely on the distribution channels for purchase and sale of financial instruments.
Amidst the ongoing concerns of sharp correction in US stock markets, some sections
are raising demand for closure of financial markets. On March 18,2020,US based
billionaire investor and longtime hedge fund manager Bill Ackman advised President
Donald Trump to shut down the US for one month for attempting to contain the novel
coronavirus and suggested that the financial markets would rally in response as the
investor sentiment would get uplifted.
The level of significance between movements in Nifty Indices and YBL stock is
beyond reasonable limits clearly underlining the failure of the capital market regulator
i.e, SEBI in proactively protecting the interest of the investors of YBL whether
domestic or international. The capital markets of India have fallen like a house of
cards in March 2020.FPIs have withdrawn close to Rs 108000 crores till 23
March 2020. Interestingly, on 14 February,2019, RBI had cleared Yes Bank Ltd of
the charges of any mismatch in reporting of bad loans.'
The assessment by RBI in connection with the credit risk compliance by YBL was
not fair. The developments with relation to IRACP by the banking regulator was
really disappointing. On 13 March, 2020, the central government decided to place
a three year lock-in for 75% of shareholding for those holding 100 or more shares on
the date of commencement of reconstruction i.e, 13 March 2020.
Failure of any banking system or a financial institution is considered as a breakdown

for the Indian economy. Yes Bank crisis is not exactly new or unique and its problems
with mounting bad loans reflect the underlying woes in the financial sector. There are
several such instances in past.
 The acquisition of Global Trust Bank by a Oriental Bank of Commerce(public
sector).
 The acquisition of United Western Bank by Bank IDBI(public bank). In both the
cases, the banks were put under moratorium and later RBI and Government came
forward and merged both the banks. In YES Bank‟s case, the Central bank has re-
established its authority and the officials in the RBI and the Finance Ministry have
started to assume that the damage done to their credibility has been restored.
 The Reserve Bank of India has extended by three months a special liquidity of
Rs.50,000 crore for Yes Bank Ltd. to help the private lender cover for any shortfall in
deposits.
 Yes Bank is currently seeking Rs 15000 crore capital is the final hurdle in the
revival of bank and could set the lender on profitability and business as usual. This
FPO boosts CET1 ratio and at the same time taking care of its growth requirement for
a period of two years.
 The bank said that the FPO through the fresh issue of equity shares will have an
offer size of upto Rs 15000 crore, of which Rs 200 crore is reserved for „eligible‟
employees.  Yes Bank has targeted minimum 5% savings in FY21 through “cost
optimization and productivity transformation backed by Digital and Analytics  Bank
had announced to sell properties owned by Essel Group firm, Essel Infraprojects, and
SKIL Infra to recover dues of Rs 1,368.16 crore and Thapar Group's Avantha
Holdings and Oscar Investments Ltd in order to recover loan dues of over Rs 1,000
crore.
5.2. RECOMMENDATIONS:
Central Government led by BJP announced on 24 March, 2020 a lock-down of 21

days in India which is a welcome step. On March 20,2020, India’s market regulator
(SEBI) increased margin rates for some shares in order to keep a check on short-
selling of index derivatives. All these initiatives were introduced with an intention to
provide a relief to the free fall in the capital markets But, the Central Government,
RBI and SEBI have failed to act in a proactive manner. The situation in the
country would have been much better, had the Central Government simply not
allowed the entry of foreign visitors into India after the first case of COVID-19 was
reported in China in December 2019, SEBI followed the strategy of hedged bets
adopted by US based Bill Ackman in interest of protecting investor money and RBI
more proactive in micro management of YBL.
5.3. Future Scope:

SBI should take over the loan book of YES Bank, recover the loans, and return the
depositors money.
The new draft scheme proposes full repayment of all deposits, dilution of equity, and
write-off of Rs 10,800 crore of additional tier one (AT-1) bonds.
The Reserve Bank of India (RBI) already facing criticism on major supervision lapses
in cases like Punjab National Bank (PNB) and Punjab and Maharashtra Cooperative
Bank (PMC), couldn’t have afforded Yes Bank to fail.
From the depositors perspective, their hard-earned money may get locked up for a few
more weeks. However, as assured by the Finance Minister, their deposits will be
protected.
Once the reconstructed bank resumes its operations, and gets backs the loans given,
gradually YES bank may be back to normal. All we can do now is to wait and watch.
BI board has given in-principle approval of exploring the possibility of picking up a

stake of up to 49 per cent in Yes Bank. The draft plan is out. However, the deal is not
finalised yet. The SBI investment in Yes Bank is the best deal the capital-thirsty
private bank can ask for. The presence of a credible name like SBI is very important
for a resolution. If the deal goes as per plan, depositors of YES Bank are in safe hands
and have nothing to worry about. The survival of YES Bank is critical to preventing a
contagion in the banking industry.
Rajnish Kumar, SBI chairman sounded confident of implementing the restructuring

proposal for YES Bank before the 30-day RBI imposed moratorium period ends.
Once YES Bank was out of moratorium it would be run by a professional team.
5.4. LIMITATIONS:
Reserve Bank of India did notice pressure points as early as 2017, which eventually
led to the regulator denying extension to the then MD & CEO Rana Kapoor, despite
the board’s endorsement.
However, RBI failed to come up with a concrete step like pooling SBI into the
scheme of things until things became worse.
If the government and RBI acted earlier, they could have gained the confidence of
depositors and retained much of the money. Also, the painful steps like moratorium
and restriction on the withdrawal – which results in the loss of people’s confidence in
the economy – could have been avoided if they acted earlier.
The current deal is not a merger with SBI rather an equity investment by SBI in YES
BANK.
The Reserve Bank of India (RBI) already facing criticism on major supervision lapses
in cases like Punjab National Bank (PNB) and Punjab and Maharashtra Cooperative
Bank (PMC), couldn’t have afforded Yes Bank to fail.
Reserve Bank of India did notice pressure points as early as 2017, which eventually
led to the regulator denying extension to the then MD & CEO Rana Kapoor, despite
the board’s endorsement.
However, RBI failed to come up with a concrete step like pooling SBI into the
scheme of things until things became worse.
If the government and RBI acted earlier, they could have gained the confidence of
depositors and retained much of the money. Also, the painful steps like moratorium
and restriction on the withdrawal – which results in the loss of people’s confidence in
the economy – could have been avoided if they acted earlier.
BIBLIOGRAPHY
1. Annual Report 2017–18. Mumbai: Yes Bank Limited. Retrieved 14

October 2018.
2. "Late Ashok Kapur". 28 November 2008.
3. Jump up to: "Yes Bank Ltd. Financial Statements". moneycontrol.com.
4. "Yes Bank Balance Sheet, Yes Bank Financial Statement &
Accounts". www.moneycontrol.com.
5. Jump up to"Balance Sheet 31.03.2018" yesbank.in (17 March 2018).
6. "Press Release – Yes Bank".
7. "Stocks in India by Net Sales, List of Top Banks – Private Sector Stocks in
India (2017) – BSE". Moneycontrol.com. Retrieved 13 April2018.
8. "Yes Bank board to meet Tuesday after RBI directive on Rana Kapoor's
tenure". Live Mint. PTI. 24 September 2018. Retrieved 29 September 2018.
9. "Yes Bank board reconstituted with appointment of 8 members". Yahoo!
News. 26 March 2020. Retrieved 26 March 2020.
10. Jump up to:a b "SBI stake in YES Bank declines to 30% after FPO". The
Economic Times. Retrieved 2 July 2021.
11. "Fund Infusion Makes YES BANK SBI's new associate bank". Live Mint.
Retrieved 16 March 2020.
12. "YES BANK Annual Report FY2019-20".
13. "OPIC Signs Loan Agreement with Yes Bank to Support Small Business
Growth in India". Press release. OPIC. Retrieved 29 September 2018.
14. "Investor presentaiton 2018–19". www.yesbank.in. Yes Bank. Retrieved 29
September 2018.
15. "Yes Bank partners with OPIC and Wells Fargo to Support Financing of
Women Entrepreneurs and SMEs". OPIC press release. OPIC. Retrieved 29
September 2018.

Roll No 02 BB

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Roll No 02 BB

Uploaded by

Copyright:

Available Formats

PROBLEM AND DIFFICULTIES BEING FACED BY

BANKS AS A RESULT OF BANK FAILURE WITH

ANKITA SANTOSH BAMBARKAR

SIR SITARAM & LADY SHANTBAI PATKAR COLLEGE OF

ANKITA SANTOSH BAMBARKAR

SIR SITARAM & LADY SHANTBAI PATKAR COLLEGE OF

I, Kumari ANKITA SANTOSH BAMBARKAR here by, declare that

(Name and Signature of learner)

(Name & Signature of the learner)

Roll No. ________

Sr. no. Chapter Scheme Page No.

9 Chapter 3:.Research Methodology

10 Chapter 4: Data Analysis, Interpretation and

On 6 March 2020, ICRA downgraded the rating of Yes Bank's ₹52,600

The moratorium caused major disruptions to e-commerce in India, due to a number of

Some of the problems faced by YES BANK are as follows:

A large amount of loan:

Loan to firms and companies and NPA’s :

A large number of withdrawals:

He said, “there is absolutely no question of merger.” There was no such intention of a

Corporate debt and divergence in credit ratings :

1.3 Historical Background:

1.4 Profile of the study area:

YES BANK Ltd. is a holding company, which engages in the provision of

The Treasury segment includes investments of all financial markets activities

Traded as BSE: 532648

Industry Banking, Financial services[1]

Founded 2004; 17 years ago

Founder Rana Kapoor

Headquarters Mumbai, Maharashtra, India

Products  Credit cards

Net income ₹−3,462

Total assets ₹273,543

Total equity ₹19,184.87

Capital ratio 17.0% [5]

Key People Yes Bank Ltd.

Name/Title Current Board Membership

YES BANK Ltd., Welmo Fintech Pvt

Prashant KumarChief Executive Officer,

CARE Ratings Ltd., SBI Capital Markets

Atul BhedaNon-Independent Non-

Vadalur Subramanian YES BANK Ltd., SBI Macquarie

SPL Towers Pvt Ltd., YES BANK Ltd.,

BFSI Sector Skill Council of India,

YES BANK Ltd., Union Bank of

 Anita PaiChief Operating Officer & Senior Group President

 Mahesh RamamoorthyChief Information Officer

 Parag GorakshakarChief Credit Officer & Senior Group President II

 Ashish ChandakChief Compliance Officer & Group President

 Indranil PanChief Economist

 Amit SurekaHead-Financial Markets

 Mahesh KrishnamurtiNon-Independent Non-Executive Director

 Atul BhedaNon-Independent Non-Executive Director

 Ravindra PandeyNon-Executive Director

 Swati SinghExecutive VP-Marketing & Corporate Communication

 Jyoti Prasad RathoChief Internal Auditor & Senior Group President II

 Sanjay NambiarGeneral Counsel

Ownership Yes Bank Ltd.

Mutual Funds that own YES BANK

iShares Core MSCI

iShares Tr. - MSCI

Most Diversified Port.