This document is a case study on Yes Bank, an Indian bank that collapsed in 2020. It provides an index and sections on the company profile, risk profile, factors that led to the bank's downfall, solutions to risks, and recommendations. The company profile describes Yes Bank's founding in 2004 and rapid growth in lending. The risk profile section outlines how the bank accumulated bad loans without proper provisions and had a low provision coverage ratio. The downfall was caused by risky investments in unprofitable companies, low provisions for bad loans, and a credit deposit ratio over 100% as customers withdrew funds. The solution involved government intervention and investment from SBI and other banks. Recommendations focus on underlying issues in India's financial system
Yes Bank detailed presentation (2008 to 2019)ShubhamChugh9
The presentation is all about yes bank and describing its in depth details from year 2008 to 2019 and also its future prospects with all the major frauds and their NPAs details, along with this a questioner is also presented when we visited yes bank ltd.
also its balance sheet of year 2008 to 2019 is being discussed.
HERE IS THE PPT ON PNB SCAM
NIRAV MODI
WE MADE IT BASED ON EARLIER FACED FRAUD BY PNB
FRAUDSTER NAME IS NIRAV MODI
I THINK IT WILL CLEAR ALL YOUR DOUBTS ABOUT SCAM
Yes Bank detailed presentation (2008 to 2019)ShubhamChugh9
The presentation is all about yes bank and describing its in depth details from year 2008 to 2019 and also its future prospects with all the major frauds and their NPAs details, along with this a questioner is also presented when we visited yes bank ltd.
also its balance sheet of year 2008 to 2019 is being discussed.
HERE IS THE PPT ON PNB SCAM
NIRAV MODI
WE MADE IT BASED ON EARLIER FACED FRAUD BY PNB
FRAUDSTER NAME IS NIRAV MODI
I THINK IT WILL CLEAR ALL YOUR DOUBTS ABOUT SCAM
Punjab National Bank Fraud (Nirav Modi Scam) ppt presentation slideshareFatema Tandiwala
A case study presentation on Punjab National Bank scam (Nirav Modi)
India's second largest state-owned lender Punjab National Bank disclosed on Feb. 14, 2018 that it was the victim of the country’s largest bank fraud.
PNB revealed that fraudulent transactions by billionaire jeweler Nirav Modi and related entities amounted to $1.77 billion or over Rs 11,400 crore.
The key accused in the case were jeweler and designer Nirav Modi, his maternal uncle Mehul Choksi, and other relatives and some PNB employees.
Nirav Modi and his relatives escaped India in early 2018, days before the news of the scam became public.
PNB scam has been dubbed as the biggest fraud in India's banking history.
ICICI Videocon loan case - NIFTEM MBA ActivitySiddartha B
Presentation gives the complete timeline of ICICI- Videocon Loan Case study. What happened to Rs 3,250 cr ?? What all happened from last 10 years?? Why Chanda Kochhar have pay back Rs 9.5 Cr Bonus from ICICI?
The Sahara India Pariwar investor fraud case is the case of the issuance of Optionally Fully Convertible Debentures issued by the two companies of Sahara India Pariwar to which Securities and Exchange Board of India had claimed its jurisdiction and objected on why Sahara has not taken permission from it.
ppt on Nirav Modi or PNB scam with all details till 2020
the data is collected from Wikipedia, articles, and videos available on youtube and other platforms.
Punjab National Bank Fraud (Nirav Modi Scam) ppt presentation slideshareFatema Tandiwala
A case study presentation on Punjab National Bank scam (Nirav Modi)
India's second largest state-owned lender Punjab National Bank disclosed on Feb. 14, 2018 that it was the victim of the country’s largest bank fraud.
PNB revealed that fraudulent transactions by billionaire jeweler Nirav Modi and related entities amounted to $1.77 billion or over Rs 11,400 crore.
The key accused in the case were jeweler and designer Nirav Modi, his maternal uncle Mehul Choksi, and other relatives and some PNB employees.
Nirav Modi and his relatives escaped India in early 2018, days before the news of the scam became public.
PNB scam has been dubbed as the biggest fraud in India's banking history.
ICICI Videocon loan case - NIFTEM MBA ActivitySiddartha B
Presentation gives the complete timeline of ICICI- Videocon Loan Case study. What happened to Rs 3,250 cr ?? What all happened from last 10 years?? Why Chanda Kochhar have pay back Rs 9.5 Cr Bonus from ICICI?
The Sahara India Pariwar investor fraud case is the case of the issuance of Optionally Fully Convertible Debentures issued by the two companies of Sahara India Pariwar to which Securities and Exchange Board of India had claimed its jurisdiction and objected on why Sahara has not taken permission from it.
ppt on Nirav Modi or PNB scam with all details till 2020
the data is collected from Wikipedia, articles, and videos available on youtube and other platforms.
This is a latest development in Indian banking landscape after the Government of India announced the intention to license new commercial banks in private sector. Reserve bank of India, the banking regulator has set the process. This is a milestone development in Indian banking landscape. Final guidelines would be issued by Reserve Bank after necessary dialogue with government.
The bank, established in 1984 in Sion, central Mumbai, has branches in six states but most of them are concentrated in Mumbai and Delhi.
On September 24, the bank’s managing director, Joy Thomas, had sent a text message to depositors about the RBI’s regulatory restrictions capping withdrawals up to Rs 1,000 for six months.
Thomas has since been arrested, along with the promoters of the Housing Development Infrastructure Limited (HDIL), Rakesh and Sarang Wadhawan, in an alleged fraud case.
Merger of SBI and its Associates – with focus on Reserve Bank of India Policy of Bank Mergers, Benefits and Challenges of the SBI Merger and Impact of the Merger on Employees and Corporate Culture
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
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Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
1. YES BANK CASE
STUDY
BY - YASH OZA TYBIM ROLL NO 14
- DHIRESH MANGE TYBIM ROLL NO 30
- PURVI CHUDASMA TYBIM ROLL NO 10
2. INDEX
INTRODUCTION
COMPANY PROFILE
RISK PROFILE
FACTORS THAT LED TO DOWNFALL OF BANK
SOLUTIONS TO THE RISK MANAGEMENT PROBLEMS
RECOMMENDATIONS
BIBLIOGRAPHY
3. INTRODUCTION
Yes Bank was incorporated as a Public Limited Company on
November 21, 2003. Subsequently, on December 11, 2003,
RBI was informed of the participation of three private
equity investors namely (Citicorp International Finance
Corporation, ChrysCapital II, LLC and AIF Capital Inc.),
to achieve the financial closure of the Bank
Yes Bank obtained its certificate of Commencement of
Business on January 21, 2004. Subsequently, in March
2004, the Bank achieved the mobilization of the initial
minimum paid up capital of Rs. 2,000 million.
4. COMPANY PROFILE
• This study traces out the genesis of Yes bank Crises and the reasons for
downfall of a major Indian Bank. This recent exceptional case has
reached its epitome in terms of recovery though, but studying on this
case will help me to understand the mindset of the bank to engage into
dialogues with some soon to be bankrupt companies and acting as their
sole survivor without taking into consideration its own balances.
Incorporated in 2004, Yes Bank was founded by Rana Kapoor who headed
the bank till 2018. His other co-founder — Ashok Kapur suffered demise
during the 26/11 attacks in Mumbai. Since its inception, YES BANK has
adopted international best practices, with the highest standards of
service quality and operational excellence. It offers comprehensive
banking and financial solutions to all its customers. Using technology to
provide superior customer service is central to YES BANK’s business
philosophy. By offering innovations such as mobile banking, two-factor
authentication, radio-frequency identification and advanced speech-
enabled interactive voice-response systems, YES BANK delivers a
differentiated service to its commercial and retail customers.
5.
6. RISK PROFILE
• The bank was at its peak but every investor felt something suspicious with such high
numbers and finally in 2017, RBI sensed a problem with this bank and started
monitoring over its governance issues and finally pointed out that Bank was hiding
its actual NPAs.
• It was promptly caught by the RBI in 2015, 2016 and also in 2017 which involved the
RBI directing Yes bank along with several other banks to report transparently.
• The bad or unrecoverable loans given out by Yes Bank stood at Rs 50,396 crores as
of September 2019.
• With news of Yes Bank shares tumbling with over 85% downfall and founders
accused of money laundering, made Yes Bank hard to be recognized as the same
bank that once attracted so many retail and veteran investors.
7. FACTORS THAT LED TO DOWNFALL
OF BANK
Bad investments: One of the main reasons that led to such massive fall were
the bank’s decisions for entering into some risky investments which were
clearly in no condition as a fruitful debt payers. It soon became the sole
lending partner to such organizations leading to massive profits but only
temporarily. While bad loans piled up, the bank did not make enough
provisions in its profits. Its provisions were the lowest among comparable
banks. Yes Bank blindly went on a loaning spree. Outstanding loans of YES
bank grew from INR 55,000 crore in FY14 to INR 2.41 trillion in FY19.
Low PCR: As bad loans piled up, companies were not paying back for long and
enough provisions for such cases were not made in the profits thus, this led to
low PCR of the bank. The bank’s Provision Coverage Ratio in FY19 was 43.1%
which was the least among other private banks as also strictly asked by RBI
that PCR > 70% is only desirable.
8. FACTORS THAT LED TO DOWNFALL OF
BANK
Manipulated NPA: Soon all those risky loans were unable to pay back on time and
yes Bank’s NPAs started piling up with rapid rate with advances rising by 334%
between FY 2014 and FY 2019 and the bank’s gross non-performing asset
percentage, that is the percentage of loans overdue for more than 90 days, zoomed
to 7.39% as of September 2019, the highest among comparable banks amounting to
₹17,134 crores and ultimately. UBS, a global financial services company raised
concerns about the asset quality of the YES bank. They released a report mentioning
the rising Non-performing assets (NPAs) of the bank. Despite knowing the financial
inability of existing borrowers, the bank lent more money to them.
High CDR: Some noticed early the bad loan mess and Yes Bank started facing
outflow of liquidity and dropped all confidence in the bank. Thus, customers
withdrew large amounts and as a result in FY18 and FY19 the Credit Deposit Ratio of
the Yes Bank crossed 100% i.e. now the bank lent more than what it received.
9.
10. z SOLUTIONS
Government took over the bank and came with a draft plan- ‘Scheme of
Reconstruction’ which said State bank of India (SBI) will buy 49% stake and bring in
the needed capital with ₹7250 crore investments. It used the instrument of moral
suasion on SBI to implement this decision. SBI also appointed Prashant Kumar as the
new CEO who had earlier worked in SBI and has an experience of over 30 years in
the Banking sector. The SBI also nominated two officers as directors in the additional
new board with RBI to appoint more directors.
Along with this, HDFC and ICICI also invested ₹1000 crore each, Axis Bank invested
600 crores, Kotak Mahindra Bank invested 500 crores, Bandhan Bank invested 300
crores forming the dream team along with Jhunjhunwala, Damani and Azim Premji
Foundation altogether making up an investment of over 12000 crores
11. RECOMMENDATIONS
• · Yes Bank crisis is not exactly new or unique and its problems with mounting bad loans reflect the
underlying woes in the financial sector ranging from real estate to power and non-banking financial
companies.
• · The choice of SBI as the investor to affect the bailout reflects the paucity of options the government
has. With several other public sector banks currently engaged in merging with weaker peers as part of
the Centre’s plan, it has fallen on the country’s largest bank to play the role of a white knight to a
private rival. While Yes Bank’s depositors are sure to heave a huge sigh of relief, India’s banking sector is
still far from out of the woods. Clearly, the RBI and Centre have their task cut out in ensuring that the
need for such bailouts is obviated.