Basically they're punishing their paying clients for their own mistakes (and the fraud of others.)
What this means is that the bank may recover short-term, but as soon as they lift the freezing of funds, many (most?) people will grab their hard-earned ISK and the bank will go down again like a brick.
The most important equity for any bank is trust, and with these drastic actions being taken, Evebank proves that they can't be trusted to honor their agreement at all - after all, the deposited funds were supposed to be freely available, so they're changing the 'contract' one-sidedly.
The 'right' way to solve their internal crisis would most likely have been to keep the size of the bank's problems hidden from the general public, silently close down investments that were making a loss, no longer providing loans to players, and using the remaining funds in the bank for the acquisition and production of high-value blueprints.
As I understand, this was the original operational plan for evebank, and one that sounds solid and profitable at first sight. In any case, it's a lot more secure income than borrowing money to players, when there's no way to make sure the money is returned, and the likelihood of it not being paid back decreases along with the liquidity and image of the bank. After all, why would you need to be in good standing with a bank that may not even be around in a few months?
