{"id":226608,"date":"2020-03-06T07:00:45","date_gmt":"2020-03-06T01:30:45","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=226608"},"modified":"2020-03-06T00:04:49","modified_gmt":"2020-03-05T18:34:49","slug":"rbi-yes-bank-ltd-placed-under-moratorium","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2020\/03\/06\/rbi-yes-bank-ltd-placed-under-moratorium\/","title":{"rendered":"RBI | Yes Bank Ltd. placed under Moratorium"},"content":{"rendered":"

The financial position of Yes Bank Ltd. (the bank) has undergone a steady decline largely due to inability of the bank to raise capital to address potential loan losses and resultant downgrades, triggering the invocation of bond covenants by investors, and withdrawal of deposits.<\/p>\n

The bank has also experienced serious governance issues and practices in recent years which have led to steady decline of the bank. The Reserve Bank has been in constant engagement with the bank\u2019s management to find ways to strengthen its balance sheet and liquidity. The bank management had indicated to the Reserve Bank that it was in talks with various investors and they were likely to be successful. The bank was also engaged with a few private equity firms for exploring opportunities to infuse capital as per the filing in stock exchange dated February 12, 2020. These investors did hold discussions with senior officials of the Reserve Bank but for various reasons eventually did not infuse any capital. Since a bank and market-led revival is a preferred option over a regulatory restructuring, the Reserve Bank made all efforts to facilitate such a process and gave adequate opportunity to the bank\u2019s management to draw up a credible revival plan, which did not materialise. In the meantime, the bank was facing regular outflow of liquidity.<\/p>\n

After taking into consideration these developments, the Reserve Bank came to the conclusion that in the absence of a credible revival plan, and in public interest and the interest of the bank\u2019s depositors, it had no alternative but to apply to the Central Government for imposing a moratorium<\/a> under section 45 of the Banking Regulation Act, 1949. Accordingly, the Central Government has imposed moratorium effective from today.<\/p>\n

The Reserve Bank assures the depositors of the bank that their interest will be fully protected and there is no need to panic. In terms of the provisions of the Banking Regulation Act, the Reserve Bank will explore and draw up a scheme in the next few days for the bank\u2019s reconstruction or amalgamation and with the approval of the Central Government, put the same in place well before the period of moratorium of thirty days ends so that the depositors are not put to hardship for a long period of time.<\/p>\n

The Reserve Bank has also issued certain directions<\/a> to the bank under section 35A of the Act ibid.<\/p>\n

\n

Reserve Bank of India<\/strong><\/p>\n

[Press Release dt. 05-03-2020]<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

The financial position of Yes Bank Ltd. (the bank) has undergone a steady decline largely due to inability of the bank to <\/p>\n","protected":false},"author":8808,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8051,2],"tags":[22074,2732,39881],"class_list":["post-226608","post","type-post","status-publish","format-standard","hentry","category-business_news","category-news","tag-moratorium","tag-Reserve_Bank_of_India","tag-yes-bank-limited"],"yoast_head":"\nRBI | Yes Bank Ltd. placed under Moratorium | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2020\/03\/06\/rbi-yes-bank-ltd-placed-under-moratorium\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI | Yes Bank Ltd. placed under Moratorium\" \/>\n<meta property=\"og:description\" content=\"The financial position of Yes Bank Ltd. 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(the bank) has undergone a steady decline with the bank incurring continuous losses over the last three years, eroding its net-worth. In absence of any viable strategic plan, declining advances and mounting non-performing assets (NPAs), the losses are expected to\u2026","rel":"","context":"In "Business News"","block_context":{"text":"Business News","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/business_news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-1.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-1.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-1.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-1.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-1.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":227027,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/03\/14\/central-govt-notifies-yes-bank-ltd-reconstruction-scheme-2020\/","url_meta":{"origin":226608,"position":1},"title":"Central Govt. notifies — Yes Bank Ltd. Reconstruction Scheme, 2020","author":"Bhumika Indulia","date":"March 14, 2020","format":false,"excerpt":"G.S.R. 174(E).\u2014Whereas, the Yes Bank Limited is a banking company registered under the Companies Act, 1956 (1 of 1956) and carrying on the business of banking in India; And whereas, the rapidly deteriorating financial position of the Yes Bank Limited relating to liquidity, capital and other critical parameters, and the\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":226691,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/03\/07\/yes-bank-limited-rbi-announces-scheme-of-reconstruction\/","url_meta":{"origin":226608,"position":2},"title":"Yes Bank Limited: RBI announces Scheme of Reconstruction","author":"Bhumika Indulia","date":"March 7, 2020","format":false,"excerpt":"The Reserve Bank of India has placed in public domain a draft scheme of reconstruction of the Yes Bank Ltd. The Reserve Bank invites suggestions and comments from members of public, including the banks' shareholders, depositors and creditors on the draft scheme. The draft scheme has also been sent to\u2026","rel":"","context":"In "Business News"","block_context":{"text":"Business News","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/business_news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":239905,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/11\/30\/rbi-lakshmi-vilas-bank-limited-branches-to-operate-as-dbs-bank-india-limited-branches\/","url_meta":{"origin":226608,"position":3},"title":"RBI | Lakshmi Vilas Bank Limited branches to operate as DBS Bank India Limited branches","author":"Bhumika Indulia","date":"November 30, 2020","format":false,"excerpt":"The Government of India sanctioned the Scheme for the amalgamation of the Lakshmi Vilas Bank Ltd. with DBS Bank India Ltd. The amalgamation came into force on the Appointed date i.e. November 27, 2020. Customers, including depositors of the Lakshmi Vilas Bank Ltd. will be able to operate their accounts\u2026","rel":"","context":"In "Hot Off The Press"","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":228007,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/04\/07\/covid-19-del-hc-sma-2-not-to-be-further-classified-as-npa-if-interest-not-paid-during-moratorium-period-1-3-2020-to-31-5-2020-classification-as-npa-by-yes-bank-reversed\/","url_meta":{"origin":226608,"position":4},"title":"COVID-19 | Del HC |SMA-2 not to be further classified as NPA if interest not paid during moratorium period (1-3-2020 to 31-5-2020); classification as NPA by Yes Bank reversed","author":"Bhumika Indulia","date":"April 7, 2020","format":false,"excerpt":"Delhi High Court:\u00a0Sanjeev Sachdeva, J. while addressing a petition held that, Classification of Petitioner's account as Non-Performing Asset could not have been done. Petitioner sought a direction to Yes Bank Ltd. (Respondent-1) not to take any coercive steps as proposed by them including declaring of petitioner's account as Non-Performing Asset\u2026","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":227421,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/03\/21\/reserve-bank-appoints-additional-directors-on-the-board-of-yes-bank-ltd\/","url_meta":{"origin":226608,"position":5},"title":"Reserve Bank appoints Additional Directors on the board of Yes Bank Ltd.","author":"Bhumika Indulia","date":"March 21, 2020","format":false,"excerpt":"In terms of paragraph 5 (3) of the \u2018Yes Bank Ltd. Reconstruction Scheme, 2020\u2019 notified by Government of India on March 13, 2020 and in exercise of powers conferred to it under sub section (1) of Section 36 AB of the Banking Regulation Act, 1949, Reserve Bank has appointed Shri\u2026","rel":"","context":"In "Appointments & Transfers"","block_context":{"text":"Appointments & Transfers","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/appointments\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/226608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=226608"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/226608\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=226608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=226608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=226608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}