Growth in Deposit and
Advances is falling down but Growth In Bad Asset is going up
Provision on Bad assets is going up but net Margin is falling
Capital of banks is facing erosion but -Basle III stipulates
Interest rate on Short Term Deposits is going upbut Interest on Long term deposit is falling
Advances to Farmers and small traders is falling downbutadvances for long term project like infrastructure or for Electricity
boards is going up.
Retail loans for Micro and Small enterprises is not rising
but for High value loan to corporate is going up
Pressure for recovery of bad loans is mounting up in
banksbut Due to global recession
repayment capacity of borrowers is cut short
Demand for bank job is increasingbut Job satisfaction of bank employees is
going from highest to lowest level
Sitting hours in banks is going upbutworking hours is coming down
Bank employees sit late to please boss but do not like to do
perform because of growing unhappiness
Stress and strain is going up and expectation of management
from bank employees is going up but work culture is getting polluted,
Firing by bosses is increasingbut health of banks employees is falling
Branch expansion is increasing fastlybut recruitment of new staff is moving
Banks are less interested in lending to needy persons but
more interested to sell insurance policies
optimistic but insider employees are very much pessimistic about safety,
survival and growth of bank.
Seniors are working under juniors and inexperienced employees
are bosses of experienced employees
Promotion has become
faster in state run banks but job satisfaction and level of performance as per
need of elevated post is moving from bad to worse to worst
Union leaders are going in the hands of management,
Industrial relation is peaceful but love for the institute and desire to work
for the bank is getting erosion.
employees fear in sharing their knowledge with weak bosses And Bosses fire
those employees who are best in performance and love those who are non
performers b ut number one flatterer.
Use of technology in banks is going up and up but banking
knowledge of bank staff is falling down and down
Banks are more and more dependent on technology but
probability of fraud is going up and up
Technology is getting more and more value in banks but value
of manpower and value of customers coming to banks is getting dilute day by
day. Employees of banks want to keep customers away from bank’s branches but
dream of rise in business too.
Banks are promoting alternate channel more and more,
customers are going far and far from bank
Ministers and RBI
officials dictate policies but bankers fail to follow the same and when bankers
demand support of government machinaries in recovery of loan from defaulters
,RBI and MOF appears helpless
Global banks are
falling and failing but domestic banks aspire to go and run to become global,
Indian banks are unable to recover domestic bad debts but sure of recovery of
overseas bad debts which is growing faster.
Work Load Has been increasing in all branches but manpower is reducing slowly and gradually.
Business is increasing but quality of business is getting eroded due to manpower shortage and also due to poor quality and poor knowledge of bank employees