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VOL. 7, ISSUE 2 (2025)
Yes Bank crisis: A case study on lapses in anti-money laundering and risk management practices
Authors
Himanshi, Ankita Sharma, Akshay Kumar, Amit Kumar, Dr. Akriti Gupta
Abstract
This Case Study on The Yes Bank crisis is a powerful reminder of the consequences
of rapid growth on corporate governance, legal systems, risk management and AML
protocols. It's a perfect example of what can go wrong when things move too
fast. Using an exploratory research design that is based only on secondary data
collected from Yes Bank’s annual reports, regulatory filings and other industry
sources and the study reviews the financial performance of the bank in three
phases: pre-crisis, crisis and post crisis. Non-performing asset ratios,
capital adequacy, net interest margins and the cost to income ratios were
analysed in order to identify the cause of the crisis to include loose lending
standards, asset quality deterioration and weak AML/ KYC controls. The findings
show that although regulatory interventions such as injection of capital and
management change by the RBI brought back some stability, there are still a
number of issues to be addressed in order to build the confidence of the
stakeholders and to achieve financial stability. This paper therefore concludes
that there is need to embrace growth with caution especially when it comes to
risk management, governance and legal compliance and thus presents a reference
model for other banking institutions and regulators especially in emerging
markets.
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Pages:22-26
How to cite this article:
Himanshi, Ankita Sharma, Akshay Kumar, Amit Kumar, Dr. Akriti Gupta "Yes Bank crisis: A case study on lapses in anti-money laundering and risk management practices". International Journal of Management and Commerce, Vol 7, Issue 2, 2025, Pages 22-26
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