FOCUS TO BE GIVEN MORE ON MAINTENANCE OF ASSET QUALITY, TO IMPROVE EACH AND EVERY PSU BANK'S NET PROFITABILITY !!!

"Banking sector in India is 
going through a digitization PHASE. 
Business targets are always there, 
which the Bank Staffs have to CHASE. 
In this competitive 
era, providing 
better customer services has 
become more IMPORTANT. 
To improve in financial inclusion and 
strengthen the conditions of PSU Banks, 
the Indian Government always 
provide some GRANT. 
The young workforce 
of any PSU Bank is 
going to become its real STRENGTH. 
Only PSU Banks have the capability to 
reach the customers of India 
living at any LENGTH. 
A social responsibility for the betterment 
of socio-economic and financial condition 
of India is each and every 
PSU Bank's Core COMPETENCY. 
Globalization, modernization and digitization 
are here to stay for better performances, but, 
it is also feasible to abide by some traditional 
and conservative banking POLICY. 
Salaries of 
PSU Bank staffs 
don't get too much RAISE, 
but, continuous motivation of good 
performers is required by 
giving timely APPRAISE. 
Time has come to 
publicly issue the 
NPA list in front of the entire NATION. 
There has to be a strong bill regarding 
recovery of bad loans and among 
defaulters, that will create a SENSATION; 
and automatically, they will repay back 
the loans out of fear and without 
any further HESITATION. 
Focus to be given more on the 
maintenance of Asset QUALITY, 
so that, all PSU Banks can improve 
its net PROFITABILITY."- Arindam Sain

JOYNAGAR ER MOYA KHETEY LAAGEY BESH, ABAAR ONEKER EE BHALO LAAGEY KHETEY GUR ER PAAYESH !!!

"Kakdwip e neyi kono 
WBTC Bus er Depot, taai 
jakhan sandhya NAAMEY, 
Kolkata jaabaar 
bus ekdum 
jaaye KOMEY, 
taai kono local bus dhorey 
onekeyi Diamond Harbour 
Jetty te jaaye NEMEY. 
Bhutta baa fuchka khaccho, kintu 
kono bus neyi, taai mini bus dhorey 
choley eso SARISHA. 
Ekhaane Barda r chaa paan koro 
aar Roychak route er Bus 
taai sesh BHARSHA. 
Sirakol e toh naam ei Jamai r shingara, 
noy khete tamon bhaalo, tobey Amtala r 
Shailendra r shingara 
khete laage JOMPESH, 
jetey jodi naa paaro Baharu te, 
chintaa ki, sei joynagar er moyaa niye 
haazir Amtala r Bhagabati, jaar special 
moyaa khetey laagey kintu BESH. 
Aaar esob jodi khetey naa laagey 
bhalo, taaholey baarite ei besh 
mojaa kore khaao chaal er 
baa gur er PAAYESH."- Arindam Sain

CAN THE POLITICAL PARTY WITH THE SYMBOL OF LOTUS FLOWER, IN THE LOK SABHA ELECTION OF 2019, COME TO POWER !!!

"When you start ignoring 
the issues of EMERGENCY, 
there emerges the 
mood of ANTI-INCUMBENCY, 
and that's the real 
beauty of DEMOCRACY. 
They failed to 
recover money 
from the big DEFAULTERS, 
they failed to start the construction 
of Ram Mandir, as for all the 
Hindus, it really MATTERS. 
For the 'Nirav Modi' case, 
they blamed it on the PSU Banks 
and its top level MANAGERS; 
and then without any proper 
financial planning, they planned 
for PSU Bank MERGERS. 
They failed to respond quickly in a feasible 
manner when there were agitations in 
several places by so many poor FARMERS. 
RBI Governor, Urjit Patel resigned due to 
their pressure and RBI is losing its autonomy, 
is it a reality, not anymore just RUMOURS ? 
The childish battle 
between the two top 
level CBI officers became a joke or a 
comedy show for the opposition parties 
to enjoy the ENTERTAINMENT. 
When the Central Government employees 
are getting so much salaries as per the 
latest Pay Commission, then why all the 
PSU Bank staffs will suffer as they are 
ignoring the next Bipartite SETTLEMENT. 
They must learn 
from the recent defeats 
to rectify all the errors and mistakes in 
their strategies to tactfully tackle 
the common people's RESENTMENT. 
Can the political party with the 
symbol of Lotus FLOWER, 
in the Lok Sabha Election of 2019, 
come to POWER ?"- Arindam Sain

ON 10.12.2018, IN AUSTRALIA, INDIA WON THE TEST MATCH BY 31 !!!

"By Cheteswar Pujara, what a good 

knock of 123 it has BEEN ! 

In the 1st Innings, India got the lead 

against Australia by 15. 

In the 2nd Innings, 

it was a terrific 

bowling performance by LYON, 

but, Rahane with 70 and 

Pujara with 71 gave a tough 

competition and the battle was ON. 

Due to some good bowling by Jasprit, 

Ashwin and Shami, Australia's 

battleship stopped at 291. 

On 10.12.2018, 

in Australia, India won the 

Test match by 31."- Arindam Sain

IN EACH AND EVERY CITY, ALL VEHICLES TO RUN ON STORED ELECTRICITY !!!

"In India, for even a 
1 rupee hike 
in Petrol and Diesel, several 
media channels start CRITICIZING, 
but, when the prices of Petrol and 
Diesel reduces even by 5 rupees, 
there is no mention about it in 
any news, which is quite SURPRISING. 
As the fuel price is decreasing, 
the bus fares 
to be reduced SLIGHTLY, 
because the bus fares got increased 
by so much that no one 
took the matter so LIGHTLY. 
There is so much air POLLUTION, 
that we need some SOLUTION. 
Use Solar Energy, Wind Energy and 
Hydel Power to generate electricity 
and transform it into direct CURRENT. 
Install 'Electricity Recharging Station' (ERS), 
in each and every petrol pump and 
those stations will be on RENT. 
In India, slowly 
and steadily, 
in each and every CITY; 
all types of 2- wheelers, 3-wheelers 
and 4-wheelers will run 
on stored ELECTRICITY."- Arindam Sain

ON EACH AND EVERY DEFAULTER, THE INDIAN GOVERNMENT MUST TAKE ANY TYPE OF STRICT ACTION !!!

"Any customer ID of 
each and every Bank 
requires KYC UPDATION, 
and to withdraw money 
by giving fingerprints, it requires 
AADHAAR VERIFICATION. 
It will help 
the Bank to get 
the correct CIBIL report 
without  any CONFUSION, 
though, the local information and 
intelligence report about any borrower 
must be taken before taking the 
final lending DECISION. 
Each and every Bank should recruit 
some bouncers and armed guards; 
both men and WOMEN, 
for the Special Recovery Force (SRF) 
and each SRF of each zonal office 
to be headed by any EX-SERVICEMEN. 
For any PSU Bank, when it comes to 
taking the defaulter's property 
acquisition on a given DATE; 
there should not be 
any unnecessary delays from 
any District MAGISTRATE. 
The Block Development Officer must 
not pressurize any Branch Manager 
of any PSU Bank to give 
loans and ADVANCES. 
When it comes to loan recovery, the 
Block Development Officer don't take 
any responsibility for the 
NPA recovery in these CASES. 
When any 
borrower becomes a 
defaulter, the performing asset 
becomes a non-performing ASSET. 
There are big dacoits in India who are 
expert in looting money from Banks, 
for example, Nirav Modi, Lalit Modi 
and Vijay Mallya, playboy the GREAT. 
Due to increase 
in NPA, all the 
PSU Banks have no other choice 
than to go for 'Profit PROVISION',
The Indian Government is infusing a 
certain amount of money to PSU Bank, 
which is taxpayers' money only, 
and is known as 'Capital INFUSION'. 
By the year of 2022, 
to make India, a 
financially powerful NATION, 
it is time that on each and every defaulter, 
the Indian Government must take 
any type of strict ACTION."- Arindam Sain

TO BRING FINANCIAL INCLUSION IN INDIA, 'PMJDY' REALLY MAKES SENSE; 'APY' PROVIDES PENSION, 'PMJJBY' AND 'PMJSBY' PROVIDE INSURANCE !!!

"In this era of hectic lifestyle 
and full of uncertainties, you will 
remain alive till 55 years of age, 
there is no ASSURANCE. 
So, for just Rs. 1 per day, that is, 
at Rs. 330/- per year, you will get 
'(PMJJBY) Pradhan Mantri Jeevan 
Jyoti Bima Yojana' INSURANCE. 
The number of traffics has increased, 
so are the instances of natural 
calamities and you never know 
when and how there 
can be an ACCIDENT. 
Just invest Rs.1/- per month, that is, 
Rs. 12 per year as a premium of 
'(PMJSBY) Pradhan Mantri Jeevan Suraksha 
Bima Yojana', which is the cheapest and 
the No.1 accident insurance at PRESENT. 
Why the State Government and 
Central Government employees 
will have all the fun of 
enjoying the PENSION ! 
The 'Atal Pension Yojana (APY)' is here 
for all the people of India except 
government employees, to ease 
any retired life TENSION. 
If your age is 18 years, just invest 
Rs. 210/- per month as a Recurring 
Deposit till 59 years 11 months, to get 
a pension of Rs. 5000/- per month 
after attaining 60 YEARS. 
The APY scheme is like any group 
pension scheme where the nominee of 
your wife will get Rs. 8.50 lakhs after 
your wife's death, so, 
just say 'Three CHEERS'. 
You can stop the 
APY scheme anytime 
and withdraw all your MONEY, 
but, if you can continue it fully, then 
you and your family members will 
surely taste its HONEY. 
To bring financial inclusion in India, 
the initiative of 'PMJDY' program 
really makes SENSE. 
To all the Indians, APY provides 
Pension, PMJJBY and PMJSBY 
provide INSURANCE."- Arindam Sain