FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS

Reena Rani Bansal; Netra Pal Singh

doi:10.17261/Pressacademia.2025.2004

FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS

Abstract

Purpose- This study analyzes customer perceptions of the factors leading to the failure of Yes Bank and Lakshmi Vilas Bank. It seeks to identify how issues such as NPAs, weak governance, and regulatory lapses influenced customer trust and confidence, while offering insights to strengthen private bank stability and restore public faith. Methodology- The research methodology of the present study is descriptive cum exploratory in nature. Descriptive research is also termed as survey-based research which mainly depends on primary data. Exploratory research design seeks the applications of exploratory data analysis techniques such as frequency analysis, measures of central tendency, measures of dispersion etc. The part of the study covered these characteristics. This research was conducted as a survey that analysed the perception of customers (Internal & External) regarding the factors responsible for failure of a bank in India. Findings- The results demonstrate that out of six major factors, NPAs/ bad loans and bank frauds are the most significant factors and less liquidity is the least significant factor that are responsible for the failure of Yes bank and Lakshmi Vilas Bank. Conclusion- Bank failures pose a serious threat to the Indian economy, as evident in the collapse of Yes Bank and Lakshmi Vilas Bank (LVB). Their decline was driven by excessive NPAs, weak governance, inadequate regulatory response, and loss of stakeholder confidence. These failures caused financial instability, long-term reputational damage, and erosion of public trust, which proved difficult to restore even after intervention (RBI, 2020).

Keywords

References

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Details

Primary Language

English

Subjects

Finance

Journal Section

Research Article

Authors

Reena Rani Bansal
0009-0005-5135-9763
India

Netra Pal Singh
0000-0002-3006-9522
India

Publication Date

December 31, 2025

Submission Date

June 14, 2025

Acceptance Date

October 29, 2025

Published in Issue

Year 2025 Volume: 12 Number: 2

DOI

https://doi.org/10.17261/Pressacademia.2025.2004

IZ

https://izlik.org/JA92LG62GE

Cite

RIS / Bibtex

APA

Bansal, R. R., & Singh, N. P. (2025). FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS. Journal of Economics Finance and Accounting, 12(2), 103-118. https://doi.org/10.17261/Pressacademia.2025.2004

AMA

1.Bansal RR, Singh NP. FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS. JEFA. 2025;12(2):103-118. doi:10.17261/Pressacademia.2025.2004

Chicago

Bansal, Reena Rani, and Netra Pal Singh. 2025. “FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS”. Journal of Economics Finance and Accounting 12 (2): 103-18. https://doi.org/10.17261/Pressacademia.2025.2004.

EndNote

Bansal RR, Singh NP (December 1, 2025) FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS. Journal of Economics Finance and Accounting 12 2 103–118.

IEEE

[1]R. R. Bansal and N. P. Singh, “FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS”, JEFA, vol. 12, no. 2, pp. 103–118, Dec. 2025, doi: 10.17261/Pressacademia.2025.2004.

ISNAD

Bansal, Reena Rani - Singh, Netra Pal. “FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS”. Journal of Economics Finance and Accounting 12/2 (December 1, 2025): 103-118. https://doi.org/10.17261/Pressacademia.2025.2004.

JAMA

1.Bansal RR, Singh NP. FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS. JEFA. 2025;12:103–118.

MLA

Bansal, Reena Rani, and Netra Pal Singh. “FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS”. Journal of Economics Finance and Accounting, vol. 12, no. 2, Dec. 2025, pp. 103-18, doi:10.17261/Pressacademia.2025.2004.

Vancouver

1.Reena Rani Bansal, Netra Pal Singh. FACTORS RESPONSIBLE FOR FAILURE OF YES BANK AND LAKSHMI VILAS BANK: ANALYSIS OF PERCEPTION OF CUSTOMERS. JEFA. 2025 Dec. 1;12(2):103-18. doi:10.17261/Pressacademia.2025.2004