Rapid expansion of branches by various banks just to please politician ruling this country in the past decades has slso caused immense loss to banks and resulted in huge jump in bad loans.
Indian judiciary and administrative officers are also big contributor in non recovery of money from bank loan defaulters.
Last but not the least, if banks are safe and progressive there is no doubt that bank staff ( excluding top few )will regain their lost image and will be rewarded with best possible wage hike.
United bank episode
Bank pension scam
Sczm after scam
Fraud and scam
Which bank is first in NPA