Wah re Indian Banking System :
1. A. Banks make profit : Share to RBI/ Govt
B. Banks incur loss : Bank only responsible
2. A. Govt starts Financial Inclusion : Banks open Zero Balance A/C, gives ATM Card, Pass Books. Credit goes to Govt.
B. Cost for maintaining Zero Balance A/ C : It's bank's responsibility
3. A. Boost Business : Govt directs bank for Loans without security.
B. Loans becoming bad : Blame bank official
4. A. Country need to prosper : Create Industry - Funds given by Banks on Govt direction.
B. Industrialists fail to pay back loans : Govt Silent: Blame Bank official.
5. Banking personnel ask for pay revision :
Govt : Ask IBA
(Interestingly IBA is not a constitutional body)
IBA : Banks balance sheet poor. So much NPA.
Bank: Make defaulters name public. Declare loan defaulters 'Criminal' for wasting public money. Compel them to return money/asset to bank
IBA : It's Govt to decide.
Govt : Prefer to be silent
6. A. Bankers : Give us 5days week. Central Govt follow the same, State Govt follow the same. Even RBI follow the same. Stock Market follow the same. Internet Banking works 24X7. ATM works 24X7. It will reduce Establishment cost.
IBA: Not possible. Govt to decide.
Govt : Prefer to be silent.
In Indian Banking-
Job : Decided by Central Govt, State Govt
Leave : State Govt as per NI act only.
Salary : From Banks own fund
1. A. Banks make profit : Share to RBI/ Govt
B. Banks incur loss : Bank only responsible
2. A. Govt starts Financial Inclusion : Banks open Zero Balance A/C, gives ATM Card, Pass Books. Credit goes to Govt.
B. Cost for maintaining Zero Balance A/ C : It's bank's responsibility
3. A. Boost Business : Govt directs bank for Loans without security.
B. Loans becoming bad : Blame bank official
4. A. Country need to prosper : Create Industry - Funds given by Banks on Govt direction.
B. Industrialists fail to pay back loans : Govt Silent: Blame Bank official.
5. Banking personnel ask for pay revision :
Govt : Ask IBA
(Interestingly IBA is not a constitutional body)
IBA : Banks balance sheet poor. So much NPA.
Bank: Make defaulters name public. Declare loan defaulters 'Criminal' for wasting public money. Compel them to return money/asset to bank
IBA : It's Govt to decide.
Govt : Prefer to be silent
6. A. Bankers : Give us 5days week. Central Govt follow the same, State Govt follow the same. Even RBI follow the same. Stock Market follow the same. Internet Banking works 24X7. ATM works 24X7. It will reduce Establishment cost.
IBA: Not possible. Govt to decide.
Govt : Prefer to be silent.
In Indian Banking-
Job : Decided by Central Govt, State Govt
Leave : State Govt as per NI act only.
Salary : From Banks own fund
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