YES Bank Fiasco: Arrogance or Negligence

2021 ◽  
Vol 3 (2) ◽  
pp. 95-102
Author(s):  
Shakeb Akhtar ◽  
Mahfooz Alam ◽  
Mohd Mohsin Khan
Keyword(s):  
Capital Structure ◽  
Private Bank ◽  
Quality Review ◽  
Bank Management ◽  
Reserve Bank ◽  
The Subject ◽  
Asset Quality ◽  
Present Case Study ◽  
Reserve Bank Of India

The present case study is based on the nation’s biggest-ever banking failure of India’s fastest-growing private bank, YES Bank. The YES Bank fiasco showcases the prevalent flaws of uprising NPAs and mounting bad debts in the financial sector. Post Asset Quality Review (AQR) conducted by RBI elucidate that the NPA of YES Bank is seven times higher than the actual reported amount in their audit book. The sudden trauma reflected the events unfolding in the bank as the share market plummets drastically and the losses enlarged exponentially. To stymie further deterioration, the Reserve Bank of India (RBI) stepped in and took over YES Bank management. The economy is already set to decelerate to an 11-year low following demonetization and the outbreak threatens to delay a revival in an emerging economy like India. The subject that this case will fit in is Capital Structure, Corporate Governance and Ethics and Auditing.

Determining Risk Factors that Diminish Asset Quality of Indian Commercial Banks

2019 ◽  
pp. 097215091986147 ◽  
Author(s):  
Onkar Shivraj Swami ◽  
B. Nethaji ◽  
Jyoti Prakash Sharma
Keyword(s):  
Risk Factors ◽  
Commercial Banks ◽  
Managerial Efficiency ◽  
Quality Review ◽  
Reserve Bank ◽  
Review Period ◽  
Asset Quality ◽  
Diversified Portfolio ◽  
Reserve Bank Of India

Controlling higher level of non-performing loans (NPLs) has become one of the key objectives of the Reserve Bank of India (RBI), as it may impact banking and macroeconomic stability adversely. In this respect, the present study tries to determine risk factors that diminish asset quality of Indian commercial banks in and around the asset quality review period. Pooled and panel logit model has been employed to examine the determinants of NPLs. We find that banks with lower level of capital, reduced profitability, less diversified portfolio, poor operating and managerial efficiency are at greater risk of having diminished asset quality, whereas the size of the bank is positively linked with the higher level of NPAs. In general, empirical analysis proposes that to identify the bank whose asset quality is likely to deteriorate well in advance, the Regulatory and Supervisory Department of the Central Bank may consider lower level of capital, deteriorating profitability and poor operational efficiency as a leading indicator.

scholarly journals Exploring the Role of Dermatoglyphics in Learning- A Case Study

2015 ◽  
Vol 2 (3) ◽  
pp. 301-303
Author(s):  
Charu Dhankar
Keyword(s):  
Multiple Intelligence ◽  
Individual Development ◽  
The Subject ◽  
The Individual ◽  
Methods Of Learning ◽  
Present Case Study ◽  
Insight Into ◽  
Acquisition Method

The nature nurture issue has been an important debate in all aspects of the individual development. According to Jensen’s heritability ratio, hereditary has an impeccable influence in the development process. Based on these, dermatoglyphics has been used in the present case study in order to observe the innate potential of an individual, to give parents an insight into their child’s hidden potential and to groom them effectively. The present case study is confined to the acquiring methods and unique quotients of the subject. The findings of the study revealed the unique quotients of the subject and the best suitable acquisition method for the subject.  Aim/Purpose: To test the methods of learning and unique quotients of the subject with the help of Dermatoglyphics Multiple Intelligence Test DMIT.  Int. J. Soc. Sci. Manage. Vol-2, issue-3: 301-303 DOI: http://dx.doi.org/10.3126/ijssm.v2i3.12651 

scholarly journals Analysis of Technical Efficiency of Indian Banking Sector

2014 ◽  
Vol 3 (1) ◽  
pp. 150-160
Author(s):  
Dipayan Roy
Keyword(s):  
Capital Structure ◽  
Business Strategy ◽  
Banking Sector ◽  
Data Envelopment ◽  
Continuous Change ◽  
Ownership Structures ◽  
Banking Regulations ◽  
Reserve Bank ◽  
Using Data ◽  
Reserve Bank Of India

The proactively evolved banking regulations in the Indian Banking sector under the authorative directive of the Reserve bank of India (RBI) has often brought about a change in the business strategy, capital structure and operations of the banks in the Indian banking sector. During these events of continuous change and adoption of Basel norms, we analyse the efficiency of the Indian banking sector with using Data Envelopment Analysis across three economic eras andacross the different ownership structures. The determinants of efficiency are selected on the basis of intermediation approach. We also attempt to identify whether the inefficiency arises from managerial incompetence or improper size and resource allocation. From our analysis, we identify the main cause of inefficiency in the Indian Banking sector to be arising out of improper size allocation.

scholarly journals Pacing and Performance Analysis of the World’s Fastest Female Ultra-Triathlete in 5x and 10x Ironman

2020 ◽  
Vol 17 (5) ◽  
pp. 1543
Author(s):  
Caio Victor Sousa ◽  
Pantelis T. Nikolaidis ◽  
Vicente Javier Clemente-Suárez ◽  
Thomas Rosemann ◽  
Beat Knechtle
Keyword(s):  
Performance Analysis ◽  
New World ◽  
World Record ◽  
Average Speed ◽  
Pacing Strategy ◽  
The World ◽  
The Subject ◽  
And Performance ◽  
Present Case Study

The aim of the present case study was to analyse the performance data of the world’s best female ultra-triathlete setting a new world record in a Quintuple (5xIronman) and Deca Iron (10xIronman) ultra-triathlon, within and between race days, and between disciplines (cycling and running) and races (Quintuple and Deca Iron ultra-triathlon). The subject was an elite female triathlete (52 kg, 169 cm) born in 1983. At the time of her world record in Quintuple Iron ultra-triathlon she had an age of 35 years and at the time of the world record in Deca Iron ultra-triathlon 36 years old. The distribution of time spent in each discipline and transitions was 8.48% in swimming, 51.67% cycling, 37.91% running, and 1.94% transitions. There was no difference between the race days of the average speed neither in cycling nor running. The running pace had a within-day variation larger than the cycling pace, and also varied more between race days. In conclusion, the world’s best female ultra-triathlete adopted a steady (even) pacing strategy for both cycling and running, without substantial variations within- or between race days, for both the world record in a Quintuple and a Deca Iron ultra-triathlon.

scholarly journals Macroinvertebrate trophic structure on waterfalls in Borneo

2017 ◽  
Vol 68 (11) ◽  
pp. 2061 ◽  
Author(s):  
Kate Baker ◽  
Michael A. Chadwick ◽  
Rona A. R. McGill ◽  
Rodzay A. Wahab ◽  
Rafhiah Kahar
Keyword(s):  
Trophic Structure ◽  
Macroinvertebrate Communities ◽  
Gut Content ◽  
Δ13c And Δ15n ◽  
Brunei Darussalam ◽  
The Subject ◽  
Present Case Study ◽  
Isotope Analyses ◽  
Case Study Methods

Waterfalls have unique physical characteristics and harbour highly specialised macroinvertebrate communities, but have been the subject of very few ecological studies. There are no previous studies of trophic structure of waterfall assemblages. It was hypothesised that because of the steep gradient of waterfalls and low retention of terrestrial-based resources, the abundant basal food resources would be periphyton. In addition, because of the frequent scouring flood events, it was predicted that periphyton would be a significant source of food for filter feeders. Waterfalls in the Ulu Temburong National Park (Brunei Darussalam) were used in the present case study. Methods included stable carbon (C)- and nitrogen (N)-isotope analyses (SIA; δ13C and δ15N of leaf litter and periphyton) and gut-content analysis (GCA) of the most the abundant macroinvertebrates. With δ15N values ranging from –1.9 to 5.5‰, literature suggests that this indicates that herbivores (Heptageniidae and Blephariceridae), omnivores (Simuliidae and Hydropsychidae) and predators (Buccinidae) live in the waterfalls. Apart from Buccinidae, the taxa had δ13C signatures ranging from –33 to –26‰, with a high dependence on periphyton, which is similar to other tropical-stream biotopes. The present study suggests that despite scouring velocities, waterfalls support animals with a range of diets, based on grazing or scraping, filter feeding and predation.

scholarly journals Crossing the Antarctica: Exploring the Effects of Appetite-Regulating Hormones and Indicators of Nutrition Status during a 93-Day Solo-Expedition

Nutrients ◽  
2021 ◽  
Vol 13 (6) ◽  
pp. 1777
Author(s):  
Bjørn Helge Johnsen ◽  
Guttorm Brattebø ◽  
Terry M. Phillips ◽  
Rune Gjeldnes ◽  
Paul T. Bartone ◽  
...  
Keyword(s):  
Nutritional Status ◽  
Daily Intake ◽  
Recovery Phase ◽  
Nutrition Status ◽  
Normal Range ◽  
Psychological Strain ◽  
Energy Sensor ◽  
The Subject ◽  
Present Case Study

Future deep space astronauts must maintain adequate nutrition despite highly stressful, isolated, confined and dangerous environments. The present case-study investigated appetite regulating hormones, nutrition status, and physical and emotional stress in a space analog condition: an explorer conducting a 93-day unsupported solo crossing of Antarctica. Using the dried blood spot (DBS) method, the subject drew samples of his blood on a regular basis during the expedition. The DBSs were later analyzed for the appetite regulating hormones leptin and adiponectin. Energy intake and nutritional status were monitored by analysis of albumin and globulin (including their ratio). Interleukin-6 (IL-6) was also analyzed and used as an energy sensor. The results showed a marked reduction in levels of the appetite-reducing hormone, leptin, and the appetite stimulating hormone, adiponectin, during both extreme physical and psychological strain. Nutrition status showed a variation over the expedition, with below-normal levels during extreme psychological strain and levels abutting the lower bounds of the normal range during a phase dominated by extreme physical hardship. The IL-6 levels varied substantially, with levels above the normal range except during the recovery phase. It was concluded that a daily intake of 5058 to 5931 calories seemed to allow recovery of both appetite and nutritional status between extreme physical and psychological hardship during a long Arctic expedition. Furthermore, IL-6 may be a sensor in the muscle-liver, muscle-fat and muscle-brain crosstalk. These results may help guide nutrition planning for future astronaut crews, mountaineers and others involved in highly demanding missions.

scholarly journals A Research on Factors of Forex Procedures in Private Bank

2019 ◽  
Vol 8 (11S) ◽  
pp. 776-781
Keyword(s):  
Descriptive Analysis ◽  
Middle Level ◽  
The Self ◽  
Age Group ◽  
Private Bank ◽  
Factors Influencing ◽  
Reserve Bank ◽  
Source Of Information ◽  
Structured Questionnaire ◽  
Reserve Bank Of India

Considering the perception of the respondents the study was conducted on factors influencing forex procedures in a private bank . This study focus on the objective such as employees and customer knowledge in forex procedures and collect the respondents profile and also to find out the factors which influencing forex procedures. To achieve these Descriptive analysis style is employed, during this study the source of information is collected based on the self structured questionnaire from Reserve Bank of India guidelines. Frequency analysis, factor analysis and mean analysis was used to analyze the collected information. The study inferred that majority of respondents are male within the age group of 25 to 35 years and designation with middle level .The finding of the study revealed that Ofac form, Realization of overseas ,Merchant rate transaction are the factor which influencing the Forex procedures

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