e-ISSN: 2582-5208

International Research Journal of Modernization in Engineering Technology and Science

( Peer-Reviewed, Open Access, Fully Refereed International Journal )
Volume:03/Issue:09/September-2021 Impact Factor- 6.752 www.irjmets.com
A STUDY ON PERFORMANCE EVALUATION AND RISK MANAGEMENT –
A CASE OF YES BANK
Aditi Kumari*1, Priyanshu Agarwal*2, Paritosh Aditya*3
*1,2,3School Of Finance & Commerce, Galgotias University, Greater Noida.
ABSTRACT
The dynamic changing environment discover various types of risk like liquidity risk, credit risk, market risk etc.
to banks and other financial institution. Most financial institutions fail because of their inefficient risk managing
system. The key to success for banks will be their ability to gauge the risk and take appropriate action for risk
management. This research paper throws light on various risk and analysis of methods to reduce risk in Yes
Bank. This study is descriptive in nature and based on data collected from primary and secondary sources. Data
from quarterly and annually reports is collected to understand various dimension such as NPA ratio,
concentration of NPAs, profitability, liquidity and capital adequacy ratios risk management techniques and
lending to private sector. It can be inferred that success of banking sector depends upon how they tackle the
risks or how effectively they use risk management system.
Keywords: Risk Management, Credit Risk, Market Risk, Liquidity, Profitability, Capital Adequacy Ratio, Non-
Performing Assets.
I. INTRODUCTION
TYPES OF RISK FACED BY BANKS:
Liquidity Risk: Liquidity related to an investment which a bank cannot be sold or bought quickly. Liquidity risk
refers when a bank is unable to meet its funding requirements without incurring additional costs or when bank
unable to execute a contract due to illiquid market conditions. When bank inability to make daily money
transactions liquidity risk arises.
Credit Risk: Credit risk is the major risk. Credit risk is defined as the potential of bank borrower or
counterparty is to fail to meet its obligations in accordance with the agreed terms. For most of the banks, loans
are the most and obvious source of credit risk. When counterparty defaults for not paying credit, the bank
either losses all of the market value of positions or more commonly the part of value that is not going to recover
following the credit event.
Operational Risk: Operating risk is the risk of direct or indirect loss of inadequate or failed due to internal
process, people, system or external events. Operational risk is related to the day-to-day activities of bank. This
is the main risk which occurs in any bank because it also includes the management failure, rules not followed or
fraud happenings.
Market Risk: Market risk defines the possibility of losses which are faced by the bank from the changes in the
market variables. It includes the movement or up and down of bonds prices, equity, interest exchange rate,
currency exchange rate, etc., but it only affects the off/on balance sheet of bank due to this ups and downs in
the market rates.
Interest Rate Risk: Changes in interest rate affect the earning capacity, worth of assets, liabilities off- balance
sheet items and cash flow. Interest risk rate also incurred in bank when
the maturities of assets and liabilities are mismatched or not matched due to change in market interest rates.
RISK MANAGEMENT TECHNIQUES ON BANKING RISKS: Risk management is an important discipline
for banks and owing to the same. Indian accounting standards. The approach for overseeing the hazard
depends on the sort of hazard and its effect on person or organization. So, there are various techniques which a
risk management are applied for banks for managing risk-
There are four different techniques of risk management are as follows-
 Risk Avoidance- Basically avoidance means to inattention or leaving the risk having activities. It is the
easiest method to get rid of risk in bank. It is applied when a management does not want to take some activity
in bank in which they think that it will having risk in future.
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Volume:03/Issue:09/September-2021 Impact Factor- 6.752 www.irjmets.com
 Risk Reduction- Another concept for risk reducing in business is the risk reduction. Means generally is
to reduce the risk from work. It also meant to reduce either the severity or the possibility of the loss from
happening.
 Risk Transfer- It is the very easy process for managing the risk in a company. Transferring or sharing
of risk is applied only to those decades when the other entity is able to take the risk or willing to accept the risk
and deal with it. The risk of loss is technically transferred to insurance by purchasing it.
 Risk Retention- Risk retention is the finally judgement, when all the option are closed the option of
retention is coming. Means not transferring or sharing risk called retention adopted by management for the
risk handling in a bank or in any organization. Risk management has an important role in bank at every time.
ROLE OF RBI IN RISK MANAGEMENT:- RBI is the Reserve Bank of India, which is the main bank of
India and helps in economy. For the financial soundness of a bank RBI bank use the tools which is called
CAMELS. Here it means the-
C – Capital Adequacy A – Asset Quality
M – Management
E – Earnings Quality L – Liquidity
S – Sensitivity to Market risk
The CAMEL was prescribed for the monetary soundness of the bank in 1988 but the 6th component sensitivity
of market risk was included to it 1997. This type of process of CAMEL for rating on banks in Indian banks is
been put in place in 1999. Now the RBI has control the all over the Indian commercial banks with their strict
rules and regulations about the credit.
YES BANK OVERVIEW- Yes BANK was incorporated on November 21, 2003. The bank was founded by
Rana Kapoor. The Bank commenced his business from January 21.2004. In June 2005, they came out with the
public issue and their shares were listed on the stock exchange. The bank works in four sections:
Treasury/Corporate/Wholesale Keeping money, Retail Managing an account and other Managing an account
Operations. The treasury incorporates ventures, all money related advertise exercises attempted on sake of
bank clients, exchanging, support of save prerequisites and asset mobilization from other banks and budgetary
educate. The Corporate/Wholesale Keeping money incorporates loaning, store taking and other
administrations advertised to corporate clients. The Retail Keeping money section incorporates loaning, store
taking and other administrations advertised to retail clients. Its 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 are spread in 29 states and 7 union territories. Yes Bank limited operates under
three distinct entities – Yes Bank, Yes Capital and Yes Asset Management.
RECENT PROBLEMS OF YES BANK: It went on rising by 334% in advance progresses between year
2016 and 2020. Numerous borrowers begun defaulting as a result bank’s net non-performing resource rate,
past due for every 90 days, zoomed to 7.39% as of September 2019. Too bank didn't make sufficient
arrangements in its benefits for terrible credits. The credit-deposit proportion crossing 100% in 2018-19 since
clients begin pulling back expansive sums. That's, it loaned very it gotten. It all lead to drop within the bank’s
stock cost inside the past year. The bank has too experienced genuine administration issues which have driven
to unfaltering decrease of the bank. Bank’s Management did not able to draw up credible revival plan. there was
not any proposal from investors to invest money in the bank that required to survive and grow.
II. LITERATURE REVIEW
Cabenoyan & Strahan (2001) in their work tried to check whether the banks were ready to trade credit risk
within the loan sales market experienced considerable benefits. For this the researchers carried out a series of
cross-sectional, reduced form of regressions to demonstrate relationship of capital structure, investment in
risky loans, profits & risk to control variables with usage of loan sales market by banks to foster risk
management.
Sinha, Taneja, & Gothi (2009) proposed that the structure developed by Hannan & Hanweck (1988) was also
valid in the Indian context. The research considers a direct relationship between risk and return imply that
increasing one will subsequently increase the other and vice-versa.

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Ms. Asha Singh, in her work credit chance administration in Indian commercial banks clarify the credit hazard
administration which include recognizable proof, estimation, perception, and administration of credit chance
exposures.. The key goals of credit hazard administration are to create an coordinates system for charting
different sorts of credits & progresses and choose suggestion on quality of credit & hazard.
Shanabhogara Raghavendra (2018) in his paper studied the impact of the NPA, causes of NPA & consequences
of NPA in a commercial bank. The paper suggested that restructuring of the bank or financial organization of
useful skills for up gradation of credit worthiness & other one is staff efficiency, these are the most important
things to solve the present willful defaulter’s system in India & world too.
Suvitha K Vikram, Gayathri G (2018) in their research focused on the sector which has higher NPAs
(public/private sector banks), causes and control measures for increasing NPAs. The result of the study
concludes that the NPAs is higher in public sector banks in comparison to the private sector banks. Also, the
focused causes, level of NPA & controlling measures were evaluated.
In case of Indian NPAs, a study had been conducted by Neha (2016) which was done on both public & private
sector banks between 2005-06 to 2014-15 found that Indian banks are still not efficient at NPA management &
that HDFC (a private sector bank) is better than other banks in the area. The paper also gave some suggestions
to avoid future NPAs & to manage existing NPAs.
According to Mukherjee (2013) NPA reduction steps of PSBs were satisfactory between 1997-2002 but failed
for private sector banks, even for young private sector banks.
Rajveer, Shwetha & Pradeep (2012) in their study found that bank managers can look and improve their asset
quality continuously over time by monitoring the amounts in advanced & corresponding NPAs on regular basis.
III. RESEARCH METHODOLOGY
 Introduction: The strategy embraced for conducting any investigate takes a parcel of consideration and
time because it has coordinates bearing on precision, unwavering quality and ampleness of comes about
gotten. Research Strategy could be a way to methodically think about and fathom the inquire about issues.
 Types of Research: In this research, researcher takes the descriptive and exploratory study of the Yes
Bank. He uses descriptive study to know the previous details of data in risk. With the descriptive research
researcher helps to know the previous understanding topic. In this type of topic researcher need to know
information about the banking financial position, their taking capabilities and how much they were taking
loss in previous year, etc. Exploratory study of Yes Bank’s for a 5year period. (FY2016-FY2020).
Quantitative analysis based on quantitative parameters i.e secondary data using relevant techniques. So,
researches are conducted descriptive and analytical method in this study.
 Research Objectives: The Objectives are the main aspect of every study. Objectives gives us directions for
obtaining the goals and do research efforts for these goals.
 To study about the risk evolution in Yes bank and how risk management deal with that risk.
 To assess the effect of liquidity on Yes Bank over the past years.
 To identify and analyses of relationship between the profitability & liquidity in Yes Bank.
 To identify the impact of NPA on profitability.
 To know about the capital adequacy ratios of Yes Bank.
 Hypothesis Statement: A hypothesis statement is prediction or expectation that is tested by research.
Hypothesis 1 – H0: There is no significant difference in NPAs in year2020.
H1: There is significant difference in NPAs in year 2020.
Hypothesis 2-H0: There is no significant difference in Capital Adequacy Ratios in 2020.
HI: There is significant difference in Capital Adequacy Ratios in 2020.
Hypothesis 3-H0: There is no significant difference in Profitability ratios in 2020.
H1: There is significant difference in Profitability ratios in 2020
Hypothesis 4-H0: There is no significant difference in Liquidity Ratios in 2020.
H1: There is significant difference in Liquidity Ratios in 2020
 Sources of Data: In this study we used the secondary data for collection information about Yes Bank and its
risk and actions taken by risk management for measuring, monitoring and controlling that risk and the
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Volume:03/Issue:09/September-2021 Impact Factor- 6.752 www.irjmets.com
financial data of taken sample is collected for research. The secondary data was taken from Yes Bank
website or from Quarterly and Annually Reports. All data related to different parameters collected from RBI
database www.dbie.rbi.org.in/.
 Sample Design: Out of 21 private banks in India, we have taken sample of Yes Bank of last 5 years because
of its recent crisis. This study is whole research analysis of Yes Bank. The period of study for all parameters
of financial analysis is 5 years.
IV. DATA COLLECTION ANALYSIS
Case study of Yes Bank:
This case study helps in picking up information around the credit chance administration in Yes Bank. These
days credit arrangement has gotten to be exceptionally imperative concept for the smooth work of the bank
exercises. This venture gives us the more information around the chance, chance administration and their
approaches, presently with the illustration of a bank know more almost the successful administration of credit
chance administration in banking segment.
Products & Services Offered By Bank:
Know that the Yes Bank has provides various products and services to the world such as the product personal
loan contact as-
Loans: Yes Bank provides various loans like home loan, education loan, Personal loan, Car loan, Loan against
mortgage of property, Loan against gold, Business loan etc.
Other Services offered are ATM services, Credit card services, Domestic Treasury, Booking services, Internet
banking, E-Pay, E-Rail, Safe Deposits, Lockers.
V. NPAS OF YES BANK
Non-Performing Assets is a classification used by financial institutions for loans and advances on which
principal is past due and on which no interest payments has been made. It becomes NPA if are outstanding for
90 days or more. It results in assets no longer generating income. There are various causes Of NPA like Banks
trying to fund non-viable projects, Promoters of companies redirect their funds elsewhere .
NPA reduces bank profitability, increases in provision of banks, effects bank’s liquidity position as it creates
mismatch between assets & liquidity and affects bank’s capital adequacy.
Here look at YES BANK NPAs from 2016-20:
Table no-1: Non-Performing Assets (in crores)
RATIOS 2016 2017 2018 2019 2020 σ
GROSS 748.98 2018.56 2662.80 7882.56 32877.69 9238.118 13491.56394
NPA
% 0.76 1.52 1.28 3.22 16.80 4.716 6.817835434
GROSS
NPA
NET 284.47 1072.27 1312.75 4484.85 8623.78 3155.62 3451.3637
NPA

% NET 0.29 0.81 0.64 1.86 5.03 1.726 1.93745

NPA
(Source – RBI Database)

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Non Performing Assets

60000

40000

20000

0
GROSS NPA NET NPA

2016 2017 2018 2019 2020

Graph-1
As per table 1 and graph -1 the non-performing assets has been classified into four parameters such as gross
NPA, % of gross NPA, net NPA & % of net NPA. Gross NPA refers to overall quantity of loans that have gone bad
debts.
Both gross NPA & net NPA shows an increasing trend as gross NPA rises to 32877.69 in 2020 from 748.98 in
2016.There has been increase in its Gross NPA from 2016-2020 as it increases from 748.98 crores to 32877.69
crores. Its NET NPA % also increases enormously from 2016 to 2020 as it rises from 0.29 % to 5.03 % in
2020.It means bank’s asset are in very bad quality.
VI. CAPITAL ADEQUACY RATIO OF YES BANK
A degree of a bank capital and it is communicated as a rate of a bank’s hazard weighted credit exposures, it is
additionally known as capital adequacy ratio. (CRAR). CAR = Level One Capital + Level Two Capital /Chance
Weighted Assets Ever since its presentation in 1988, capital ampleness proportion has a critical benchmark to
evaluate the monetary quality and soundness of bankThe reason minimum capital adequacy ratios (CARs) are
critical is to create enough cushion to soak up an affordable number of losses before they become insolvent and
consequently lose depositors’ funds.
Here look at YES BANK CAPITAL ADEQUACY RATIO from 2016-20
Table No-2: Capital Adequacy Ratios (in %)
YEAR 2016 2017 2018 2019 2020 σ
TIER-1 10.70 13.30 13.20 11.30 6.50 11 2.7640
TIER-2 5.80 3.70 5.20 5.20 2.00 4.38 1.5401
TOTAL 16.50 17.00 18.40 16.50 8.50 15.38 3.9239
(Source RBI Database)

Capital Adequcy Ratios

20

0
TIER-1 TIER-2

2016 2017 2018 2019 2020

Graph- 2
Here table no.2 & graph-2 indicates that capital adequacy ratios has been categorized into tier-1 capital & tier-2
capital. Tier-1 capital shows primary & core source of bank’s financial strength. It includes shareholder’s equity
and retained earnings. Tier-2 capital shows capital that banks require to keep as part of its reserves. It includes
revaluation reserves, general provisions, subordinated term debt & hybrid capital instruments. Tier 1 ratio of
yes bank is comparatively better from 2016-2019, but in 2020 it stands at 6.50 which is lower than RBI’s
minimum requirement of 8 %. Overall capital adequacy ratio of YES BANK has been continuously decreasing
from 2016-2020. It means that bank does not have enough amount to deal with unexpected losses.
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VII. PROFITABILITY OF YES BANK
Bank profitability is that the degree of a bank’s execution. Banks make a benefit by winning or producing
additional cash than what they're paying in costs. the foremost a portion of the benefit of a bank comes from
the benefit expenses, charged for its administrations and so the earned interface from its resources.
Here look at YES BANK PROFITABLITY from 2016-20
Table No-3: Profitability Ratios
RATIOS 2016 2017 2018 2019 2020 σ
NET 2539.45 3330.10 4224.56 1720.28 - - 8713.007808
PROFIT(Rs.) 16418.30 920.782
NET PROFIT 18.76 20.27 20.84 5.80 -62.98 0.538 36.04091175
MARGIN
(%)
NET 2.76 2.69 2.47 2.57 2.63 2.624 0.099518842
INTEREST
MARGIN
(%)
RETURN ON 18.41 15.09 16.40 6.39 -75.56 -3.854 40.34685651
EQUITY (%)
RETURN ON 1.53 1.54 1.35 0.45 -6.36 -0.298 3.418445553
ASSETS (%)
CASA (%) 28.05 36.30 36.45 33.06 26.63 32.098 4.577321269
(Sources- RBI Database)

Profitability of Yes Bank

50

0
NET PROFITNET
MARGIN
INTEREST
(%) RETURN
MARGINON
(%)RETURN
EQUITY (%)
ON ASSETSCASA
(%) (%)
-50

-100

2016 2017 2018 2019 2020

Graph -3
Here Table-3 & Graph-3 shows four major profitability ratios to contemplate while evaluating the performance
of a bank are:
Return on assets (ROA): (Net Income /Total Assets) *100, it shows how profitable a bank & how efficiently
using its assets for generating earnings. It shows healthy trend between 2016-18.
Return on equity (ROE) shows bank financial performance in relation to profitability with equity. It has
negative trend in 2020
Net interest margin (NIM): (Net Interest Income/ Total Assets) *100, it is difference between interest income
generated by banks and amount paid to lenders. Higher NIM means higher profitability of lender.
CASA ratio stands for current & saving account ratios. A higher CASA ratio means lower cost of funds, because
banks do not give any interests on current account deposits. Net Profit had also been declining as it leads to
negative net profit in 2020 which is Rs. -16418.30 crores. Net Interest Margin was also keep increasing &
decreasing during period of 2016-2020.Positive NIM of Yes Bank indicates that bank is efficiently investing.
Return on Equity also declines from 2016-2020, 18.41 % in 2016 to -75.56 % in 2020.

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VIII. LIQUIDITY OF YES BANK
The term liquidity implies the capacity of the bank to supply cash on request. In other words, it's the control of
the financier to fulfill the request of customers for take advantage trade for stores. Liquidity depends on the
arrangement of fast resources. speedy resources are those resources which may be effortlessly changed over
into cash without misfortune. The depositor has the proper to pull back cash as and once they need. The
investor must pay his contributors on request. fair in case a bank falls flat to pay on request to the contributors
on account of deficiencies of liquid cash, it ought to lose the believe and certainty of the common open which
can eventually conclusion within the closure of the bank.
Here look at LIQUIDITY POSITION OF YES BANK from 2016-20
Table No.4: LIQUIDITY RATIOS
RATIOS 2016 2017 2018 2019 2020 σ
CREDIT TO 87.91 92.57 101.39 106.10 162.72 110.138 30.25069536
DEPOSIT
RATIO (%)
CURRENT 1.18 1.09 1.35 1.24 1.95 1.362 0.342008772
RATIO (%)
QUICK 14.02 13.17 20.80 15.34 12.42 15.15 3.339490979
RATIO (%)
(Source – RBI Database)

Liquidity Of Yes Bank

201
151
101
51
1
CREDIT TO CURRENT RATIO QUICK RATIO
DEPOSIT RATIO
(%)

2016 2017 2018 2019 2020

Graph -4
Here Table -4 & Graph -4 shows main liquidity ratios like credit to deposit ratio, current ratio, quick ratio &
asset turnover ratio. Credit to Deposit Ratio shows how much a bank lends out to its depositors. Credit to
Deposit ratio has been increasing rapidly from 87.91 % in 2016 to 162.72 % in 2020 which means bank
deposit are increasing and bank have more money to lend which should increase its earnings. Quick Ratio of
bank also declines which effects its short-term liquidity. It declines to 14.02 in 2016 to 12.42 in 2020. Yes
Bank’s Current Ratio shows the increasing trend as it increases from 1.18 in 2016 to 1.95.
IX. FINDINGS
Here are the findings of the study: From the above data we have found that Yes Bank does not perform well in
2020 as There has been increase in its Gross NPA from 2016-2020 as it increases from 748.98 crores to
32877.69 crores. Its NET NPA % also increases enormously from 2016 to 2020 as it rises from 0.29 % to 5.03 %
in 2020.It means bank’s asset are in very bad quality.
Tier 1 ratio of yes bank is comparatively better from 2016-2019, but in 2020 it stands at 6.50 which is less than
RBI’s nominal requirement of 8 %. Overall capital adequacy ratio of YES BANK has been continuously
decreasing from 2016-2020. It means that bank does not have enough amount to deal with unforeseen losses.
Yes Bank is at higher risk level.
In Profitability ratios CASA Ratio is the main indicator of profitability for any banks, but in case of Yes Bank, its
continuously declining which is not good as it means bank relies mainly on wholesale funding which can hurt
its margins. Net Profit had also been declining as it leads to negative net profit in 2020 which is Rs. -16418.30
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crores. Net Interest Margin was also keep increasing & decreasing during period of 2016-2020.Positive NIM of
Yes Bank indicates that bank is efficiently investing. Return on Equity also declines from 2016-2020, 18.41 % in
2016 to -75.56 % in 2020.A negative ROE in 2020 is not a good sign as it means shareholders are losing value
rather than gaining. Yes Bank ROA was also very low in 2019, as a result it leads to negative in 2020 which is -
6.36%. It means yes bank does not generate income by using its assets effectively in 2020. In Liquidity ratios,
Credit to Deposit ratio has been increasing rapidly from 87.91 % in 2016 to 162.72 % in 2020 which means
bank deposit are increasing and bank have more money to lend which should increase its earnings. Quick Ratio
of bank also declines which effects its short-term liquidity. It declines to 14.02 in 2016 to 12.42 in 2020. Yes
Bank’s Current Ratio shows the increasing trend as it increases from 1.18 in 2016 to 1.95 in 2020 which means
company is in healthy position to pay short term liabilities.
X. RECOMMENDATIONS
The following are the major recommendations for the study:
 Bank should try to improve its asset quality by focusing on credit flow though credit risk management.
 Banks can reduce effect of NPAs through asset reconstruction companies, comprising settlement for NPAs.
 Bank should focus on improving net profit margin by using value added services.
 Bank can improve CASA ratio by offering a higher rate of interest on deposits.
 Bank can increase their return on equity by using more financial leverage, by increasing profit margins etc.
 Bank can improve their return on assets by reducing asset costs or by reducing expenses.
 Bank can increase their capital adequacy ratios by increasing level of regulatory capital or by decreasing
levels of risk weighted assets.
 Bank can improve its liquidity by shortening asset maturities, by improving average liquidity of assets.
 At last, there shall be better management in bank regarding liquidity, non-performing assets, profitability &
capital adequacy.
XI. CONCLUSION
As we all Yes Bank was one the best rated private banks until 2018 when bank started to face serious bad loan
failures. Failure of any banking industry is taken into account as a breakdown for the Indian economy. Yes Bank
crisis is not specifically new or distinctive and its issues with mounting unhealthy loans replicate the
underlying woes at intervals the money sector. RBI ought to impose restrictions concerning the withdrawal of
deposits. Government ought to perform reforms in money sector. “The facility financial organization Of Indi has
extended by 3 months a special liquidity of Rs.50,000 large integer for Yes Bank Ltd. to help the personal loaner
defend any deficit in deposits.”
“Yes Bank is presently seeking Rs 15000 large integer capital is that the ultimate hurdle at intervals the revival
of bank and can set he loaner on gain and business as was common. This FPO boosts CET1 quantitative relation
and at the identical time taking care of its growth demand for an amount of 2 years”.
“Yes Bank has earmarked 5% savings in FY21 through “cost optimization and productivity transformation
backed by Digital and Analytics.
At last Yes Bank encompasses an information driven approach towards banking, and a superior client expertise
for its retail, company & rising company banking shoppers.
XII. LIMITATIONS OF THE STUDY
 Data is very difficult for collecting.
 Limited Scope about the bank in the initial stages.
 Every bank has different risks and their working pattern also different. So, it is difficult to say that all banks
have same problems of risk and every problem has same solution.
 Bank employees do not ready to give all information about their problems.
 Analyzing and interpretation of data are based on the secondary data which is based upon books and
internet.
 Time period is limited to only past 5 years.

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XIII. REFERENCES
[1] https://www.business-standard.com/company/yes-bank-25267/financials-ratios.
[2] https://www.moneycontrol.com/financials/yesbank/ratiosVI/YB
[3] https://dbie.rbi.org.in/
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[5] https://www.goodreturns.in/company/yes-bank/ratios.html
[6] https://www.thehindubusinessline.com/money-and-banking/yes-bank-in-breach-of-capital-
adequacy-ratio-requirements/article31523411.ece
[7] https://www.yesbank.in/
[8] https://www.iosrjournals.org/
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[10] Sinha, P., Taneja, V. S., & Gothi, V. (2009). “Evaluation of riskiness of Indian banks and probability of
book value insolvency, retrieved July 2, 2015, from Munich Personal RePEc Archive”:
http://mpra.ub.uni-muenchen.de/15251/
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Marketing Financial Services on Research, - Vol.2 PP 47 – 51.”
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