Government of India ask employees of public sector banks to stop lazy banking and become proactive. Bank employees opened 11.5 crore bank accounts in a span of hardly six months and government of India could achieve and surpass the target of opening accounts under PMJDY by huge margin. Thus bank employees proved that they are not lazy as alleged.
It is to mention here that bank employees are demanding wage revision which is due since Ist November 2012. Even after lapse of almost 27 months Indian Bank Association (IBA) and Government of India could not reach an amicable Bipartite Settlement with United Front of Bank Unions (UFBU) . It shows that members of IBA are neither active nor proactive nor reactive. .
Bank employees under the banner of United Front Of Bank Unions are on path of agitation since November 2012 , but the members of IBA who are CMD of various PSU banks did not think it wise and necessary to have dialogue on daily basis to resolve the issue in a span of one month or two months. They have wasted 27 months in solving a small problem of wage agreement which is very much crucial and important for development of bank. They do not understand that only happy human resource can be loyal to bank and can help in completing all desired task.
Had they been active and proactive they could have asked members of UFBU to sit every day and resolve the issue in shortest span of time.
CMDs of banks who represent IBA are so much dull and non -active that they do not bother whether bank employees who are backbone of public sector banks for growth and development and who take part in all welfare schemes launched by government of India are happy or not. It is therefore undoubtedly true that it is CMD of banks who are indulged in lazy banking and it is they who are not proactive to an extent which GOI desires the to be . CMDs of banks were not only lazy during last ten years , but they were sleeping .
Because had they been active and proactive, bank assets could have remained standard, volume of bad assets could not have gone up to the extent of 15 to 20 percent of total advances and loss incurred by way of fraud and by write off of bad loans could not have been in billion of rupees.
Had CMDs of banks been proactive they could have booked profit as CMDs of private banks are booking very quarter.
Had they been efficient and honest bankers , average pay of employees could compete with private banks, quality of bankers could be better than that of private banks.
Had they been active , they could have recovered money from loan defaulters as they are doing in past few quarters.
Had they been honest and proactive, they could not have resorted to manipulation of figures and system to conceal bad debts and give time to defaulters to evade recovery and dispose off bank's hypothecated assets .And so on............
Ministry of Finance which is supposed to take care of bank and bank employees is also silent spectator of Draupdi Chirharan (exploitation of bank employees )and allowing banks to sink and allowing its banks to accumulate bad assets .GOI is also dull and inactive to remain silent on inactive IBA and entire legal machineries which do not act in court cases filed by PS banks.
GOI and RBI are not active because they failed to nip in the bud and allowed banks to accumulate bad assets and incur losses or hide bad assets or fraudulently achieve the allotted target by manipulation and window dressing. GOI wasted 24 years of banking reformation but could not reform the banks.
Now, therefore, it is the turn of members of IBA, Officials of Government of India and finally officials of regulating agency RBI to prove that they are not lazy and they are proactive.
They can do this by forcing IBA to sit 24 hours to resolve the issue of wage settlement.
They have to be proactive to keep the assets standard all the time .
They have to recover the money by being proactive and by forcing administrative and legal machineries to be pro active and sincere in doing their duties for expeditious recovery of banks dues from defaulters of bank's loans.
They have to be active and proactive to stop bribery and flattery based promotions and stop bribery in recruitment to safeguard the health of banks.
And so on.......................
It is the time to decide who are lazy and who are not pro-active.
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