That's not something the central bank can allow on its watch. The RBI has previously used its special powers to appoint directors in Dhanlaxmi Bank as well as Lakshmi Vilas Bank. Interestingly, Indiabulls Housing Finance Ltd. wants to merge with Lakshmi Vilas, provided the RBI allows the shadow bank to morph into a deposit-taking institution. It's reasonable to expect that even Yes Bank will become the target of some sort of special situation investor. However, there are uncertainties around how much headway new CEO Gill will make and how soon. His problems literally run from A to Z — from tycoon Anil Ambani to television broadcaster Zee Entertainment Enterprises Ltd. The bank's exposure to the former's crumbling empire alone is $1.85 billion, or half of the bank's common equity, BloombergQuint reported this month. Ambani's telecom company is in bankruptcy, while his finance business struggles with a liquidity crunch and credit downgrades.