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EXPLAINER Marty Rubin 03 “What people are looking for is someone to explain life to them. But there is no explanation and nothing to explain.” EXPLAINER Marty Rubin 03 You know the news, es Bank founder Rana Kapoor Radha Kapoor, and Dewan YES BANK CRISIS: HOW DID IT EMERGE? but did some terms puzzle 1 was placed under arrest by the Housing Finance Ltd (DHFL) you? On this page, we explain the How did Yes Bank reach Y Enforcement Directorate on promoter Kapil Wadhwan for March 8. The CBI has issued a look out hatching a criminal conspir- terms used in news or by our this stage? circular against Kapoor’s wife Bindu and acy from April to June newsmakers. Figure out why the It went on a loaning spree between their three daughters. 2018. They extended finan- 1Financial Year 2014 and 2019 names, places and terms became Many borrowers started default- The ED, as well as the CBI, have regis- cial assistance to DHFL by 2 ing. The bank’s gross non-per- tered separate cases against Rana Yes Bank Ltd. For this, the the actual newsmakers forming asset percentage, that is the Kapoor, his wife, their three daughters — Kapoors were paid kickbacks of this week. percentage of loans overdue for more Rakhee Kapoor Tandon, Roshni Kapoor and 600 crore. than 90 days, zoomed to 7.39% as of ` September 2019, the highest among comparable banks. While bad loans piled up, the bank THREE PLUSH DELHI PROPERTIES UNDER ED LENS 3 did not make enough provisions in its profits. probes suspi- Customers withdrew large cious transac- 4 amounts, resulting in the tions of credit-deposit ratio crossing 100% in 2018-19. That is, it lent more than around it received. `4,300 he Reserve Bank of In- The bank’s stock price fell steadi- crore. dia has placed Yes Bank 5 ly in the past year. Bindu Kapoor T under MORATORIUM. Yes Bank customers cannot WILL YES BANK’S FALL AFFECT OTHERS? bought a luxu- make regular withdrawals of The banking system runs on trust. rious bunglow at more than `50,000 a day till The Yes Bank episode could likely 40, Amrita April 3, subject to a maximum push depositors away from private sec- of `5 lakh. tor banks. Shergill Marg — a prime location in WHAT IS A MORATORIUM? Lutyens’ Delhi — in the name Moratorium means suspension efore Yes Bank founder Rana Chanakya Puri; and in the Diplomatic of her company Bliss Abode Ltd while of activity. Legally, it is an authorised period of delay in the performance Kapoor could shift his base from Enclave on Sardar Patel Marg — are not the other two properties belong to Bliss of a legal obligation or the payment B India to any foreign country, the directly linked to Kapoor but officials Villa (Delhi) Private Ltd. of a debt. Enforcement Directorate (ED) took him said he had tasked some top property Known for a flamboyant lifestyle and HOW DOES A MORATORIUM WORK? in its custody and his plan to sell his dealers here for hunting some buyers to penchant for publicity, Kapoor, sources A moratorium is a temporary sus- three Delhi-based properties amounting sell these assets to. said, wanted to shift his base in the US, pension of an activity or a law until over `1,000 crore failed. It is learnt that all the properties are the UK or France by selling properties in future events warrant lifting the sus- The three properties —40, Amrita linked to Kapoor’s wife Bindu Kapoor, Delhi and Mumbai soon after he got tip pension or related issues have been re- solved. A moratorium may be imposed Shergill Marg; 18 Kautilya Marg, who is also under the scanner as ED off about ED’s investigation against him. by a government or by a business. NAMES, PLACES & TERMS day after quitting the Congress, four-time Madhav Rao was sidelined repeatedly for the MP and former union minister JYOTIRA- position of Madhya Pradesh’s Chief Minister, WITH PAINTED FACES, ARTISTS A DITYA SCINDIA joined the BJP in presence first due to the efforts of Arjun Singh in 1989, FIGHT FACIAL RECOGNITION TECH of party chief JP Nadda this week. 4 Scindia walked out of Congress and later due to the actions of Digvijay Singh in 1993. JYOTIRADITYA By that time, he was a minister into the PV Narasimha Rao-led Congress government. 2 SCINDIA JOINS BJP Shortly before the 1996 elections though, Madhav Rao resigned after his name along with 22 state legislators, figured in the Jain hawala diaries. pushing the Congress-led gov- Congress denied him a ticket in ernment in Madhya Pradesh on the brink of collapse. Scindia the Lok Sabha elections of April- had posted his resignation let- May 1996, and he ended up cre- ter on Twitter minutes after ating his own Madhya Pradesh meeting Prime Minister Naren- dra Modi along with Union Vikas Congress Home Minister Amit Shah (MPVC). He s night falls in London, Tuesday morning. defeated the offi- Georgina Rowlands HERE ARE THE BASIC STEPS: EMERGENCY AND AFTER cial Congress candi- A and Anna Hart start ap- STEP 1 A picture of your ROYALTY AND POLITICAL LEGACY plying makeup. Instead of lip- — SPLIT IN THE FAMILY date against him in Gwalior to stick and eyeliner, they’re cov- face is captured from a Jyotiraditya Scindia is the grandson of late Vijaya Raje Scindia, During the emergency, Vijaya Raje was put in jail like enter Lok Sabha for the sev- ering their faces with geomet- photo or video. the chief matriarch of Gwalior’s royal family. Vijaya Raje first many other prominent leaders of the Opposition by enth time. ric shapes. STEP 2 Facial recognition Rowlands has long narrow software reads the geome- contested the Lok Sabha elections in 1957, and won the Guna Indira Gandhi. She shared her cell with another royal In contrast, Vijaya Raje blue triangles and thin white seat for the Congress. She continued figure and prominent opposition face ended up as one of the rectangles criss-crossing her try of your face. The soft- her winning streak, this time from — Gayatri Devi of Jaipur. Eventually, founding figures of the face. Hart has a collection of ware identifies facial land- BJP, the successor of red, orange and white angular marks. Gwalior in 1962. However, she quit the she became part of the Janata Party shapes on hers. They’re two of Congress due to differences with the that defeated Indira’s Congress in the Jan Sangh, giving the four founders of the Daz- STEP 3 Your facial signa- then CM of Madhya Pradesh, DP 1977 in the first-ever rout witnessed legitimacy to the zle Club, a group of artists set ture - a mathematical for- Mishra. Over 35 MLAs broke away with by the Nehru-Gandhi family. However, party. Her daughters, up last year to provoke dis- mula - is compared to Yashodhara Raje and cussion about the growing us- a database of her and formed a coalition govern- by 1979, the government and Janata ing of FACIAL RECOGNITION ment in 1969. In 1971, Vijaya Raje Party were tethering, and that was Vasundhara Raje, TECHNOLOGY. known faces. helped the Jan Sangh win three seats when her son, Madhav Rao Scindia, have been prominent STEP 4 A deter- in Gwalior, Guna and Bhind. ended up with the Congress. BJP members. How it works mination is made The technique, developed as faceprint by artist and researcher Adam matches that Harvey, is aimed at of an image producing pigment in all organs, and ani- produce colourful pigment, giraffes with camouflaging against facial in system POACHERS KILL TWO WHITE GIRAFFES IN KENYA mals with this condition often have pink leucism don’t face genetic disadvantages detection systems, which turn database. AND NOW THERE IS JUST ONE IN THE WORLD eyes. ➤ The white giraffes were first to their survival, but their colour can images of faces into 3 ➤ mathematical formulas that spotted in 2016, according to the attract unwanted attention. More than can be analysed by wo of the three extreme- Ishaqbini Hirola Community Conservancy half of all giraffes don’t make it past six algorithms. CV Dazzle —where ly rare WHITE GIRAFFES website. months of age, as per the Giraffe CV is short for computer WHY IS IT A T have been killed by poach- ➤ Despite their inabil- Conservation Foundation. They’re target- vision — uses cubist-inspired PRIVACY CONCERN? ers in Kenya, the BBC reported designs to thwart the SECURITY: Your facial data quoting wildlife conservation- ity to ed by predators such as computer. ists. The carcasses of a female lions and hyenas. A similar technique was can be collected and stored, giraffe and her calf were found used extensively in World War often without your permis- in Kenya’s Garissa County, ac- I to camouflage British naval sion. It’s possible hackers cording to the report. ships and confuse opponents Wildlife conservationists about the actual heading or lo- could access and steal told the BBC that the third white cation of the ships. that data. giraffe is thought to be the only What is it? PREVALENCE: Facial recogni- surviving one in the world. tion technology is becoming Facial recognition is a way of recognising a more widespread. That WHITE GIRAFFES: human face through means your facial signature ➤ While many have been technology. A facial could end up in a lot of recognition system quick to label the giraffe as uses biometrics places. You probably won’t albino, it suffers from a genet- to map facial know who has access to it. ic condition called leucism, features from a OWNERSHIP: You own your photograph face but your digital images which inhibits skin cells from or video.The producing pigment but allows market is are different.
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