IS THE WORKSHOP ON 'DFS & IDEATION'; IS JUST TO GET ANY VALUABLE SUGGESTION; OR IS IT JUST A PREPARATION, FOR THE UPCOMING 'MERGER & ACQUISITION' !!!

"Is the workshop on 'DFS & IDEATION'; 
is just to get any valuable SUGGESTION; 
or is it just a PREPARATION, 
for the upcoming 'Merger & ACQUISITION ? 
Almost all the branches of 
any PSU Bank is facing the 
problem of 'Staff SHORTAGE'; 
but, one positive side is, that the 
middle management is having 
so many executives of younger AGE. 
PSU Banks are getting geared up 
to compete with private banks in 
any type of COMPETITION. 
The plus point for PSU Banks is 
that the rural customers still have 
faith on this INSTITUITION. 
In terms of CBS software, 
antivirus software and 
BSNL leased line 
connections, in respect to 
private banks, why 
the PSU Banks 
will still remain a NOVICE ? 
Like in Private Banks, whenever a 
new customer comes, you enter all his 
data, KYC documents in CBS to provide 
that customer a readykit i.e. Account 
number, passbook, ATM and IB kit within 
10 minutes, which is a 
speedy customer SERVICE. 
All PSU Banks must have a Loan App for 
Agriculture, Business & Housing (LAABH), 
where, all data, KYC information, I-T return 
files to be entered to get feedback within 
24 hours from Loan Verification Team with 
CRIF, CIBIL and other reports to 
give the green or red SIGNAL. 
If it is green signal, then the respective 
filled up loan documents will get generated 
from 'LAABH' app and 
those copies to be signed by 
borrower, guarantor and two 
bank officers with immediate effect as 
grabbing a big borrower is very VITAL. 
While opening 
any new savings account 
of any customer 
aged below 50 years, 
PMJJY and PMSBY to be 
made MANDATORY. 
At least 5 staffs in any branch, CASA 
readykits with instant digital products, 
speedy loan documentation and its sanction, 
NPA recovery by cash only, and compulsory 
insurance coverage will be the five pillars for 
any PSU Bank's success STORY."- Arindam Sain

HOYECHEY BEJAAYE DHORIBAAJ; OI BYATA INDRARAJ; KOLKATA E DEKHCHI KHUB FELCHEY BAAJ !!!

"Hoyechey bejaaye DHORIBAAJ; 
oi byata INDRARAJ; 
Kolkata e dekhchi khub felchey BAAJ. 
Baaj kintu eedaning 
hoyechey khub ee BHAYANKAR; 
kato lok ee naa maara gelo jaader 
saathey ei baaj er holo TAKKAR. 
Bristi jakhan hocchey bajrabidyutsaho, 
thaakben na khola maath er DHAAR E; 
baarir chaadey o jabaar dorkaar neyi, 
chupchap thakun GHAR E. 
Baaj jakhan porchey, 
takhan kono gaach er tolaa e 
naa daarano ee BHALO; 
bipad er ashonka ektu holeyo thaake 
kom, jodi awaaz er kichu samay aagey 
dekhte paan bajrobidyut er AALO. 
Ei baaj er jonnyo TV o 
kharap hoyechey ONEKBAAR; 
baaj er daapot komaate holey, 
dushan niyantran chaai EBAAR; 
noiley erokom bojraghaath e maanush 
maara jaabe BAARBAAR."- Arindam Sain

KOTI KOTI MAANUSH ER BASOBAAS; 'SWADESHI' MANTRA TEH KORE BISWAS; EI 'BHARAT' EI JONMECHILEN 'SWAMI VIVEKANANDA' EBONG 'NETAJI SUBHASH' !!!

"Swadhinata r eto bachor por e o 
Bharatiya sadharan maanush 
aaj kano eto KHUBDHO ! 
Kaayeda kore emon beeshabrikkho 
korechey ropon oi British e ra, je aaj o 
hoy Bharat aar Pakistan er JUDDHO. 
Jaader sangraam er jonnyo amraa 
Bharatiya raa pelaam SWADHINATA; 
taader oneker ee hoyto naam ee shoneni 
ekhankaar kochi kochi yuvak ba aam JANATA. 
Itihaas er pustak e esechey 
notun sab rajnoitik ITIHAAS; 
jegulo naa jaanle o choley, segulo jor kore 
jaante hobe, satti bhaggyer ki PORIHAAS. 
Ekhaan toh abaar 
rajneeti teh neyi kono 'IDEOLOGY'; 
naam aar paisa taar ee hoy, 
je khaali khaaye DEEGBAAJI. 
Seyi 'Sipahi Bidroh' theke 
shuru kore 'Azad Hind Fauz' er 
dusshaosik LARAI; 
taai toh Bharatiya Pataaka uttolon kore, 
amraa garbito bodh kori, 
aar maatha uchu kore DAARAI. 
Eto bachar swadhinata r por, 
ei 'Bharat' jaabe na 
toh konomoteyi THEMEY; 
barong ekti bhalo kheloyaar er mato 
khelbey ei biswayan er 
pratiyogita e NEMEY. 
Haath paa jaak chirey, jhoruk ektu 
adhtu rakto, bheejey jaak khela r jersey 
oi porishram er GHAAMEY; 
saara biswa r sakal desh samman o sneha
debe aar upolobdhi korbe, je ki sundar 
sanskriti aar shakti achey ei 'Bharat' NAAMEY. 
Ekhan ei 
Bharatbarsha teh 
koti koti maanush er BASOBAAS; 
'Swadeshi' mantra 
teh kore 
taara BISWAS; 
taai toh sabai boley je ei 'Bharat' ei 
jonmechilen 'Swami Vivekananda' ebong 
'Netaji SUBHASH.'"- Arindam Sain

CHELEDER KOCHI HRIDAY PRAAYE EE HOYE JAAYE CHURI; MEYEDER MON ALPO BOYESH EI HOYE JAAYE BURI; TAAI TOH PREMIK RAA PREMIKA DER SAATHEY KHELEY KATO EE NAA LUKOCHURI !!!

"Patta na dileyi, oder bujhi 
bheejhey jaaye AANKHI; 
kintu amraa jey sahaj saral mon er 
haasikhushi uranto PAAKHI. 
Kachey esey ektu aador korleyi, 
dekhaaye kato ee na nakhrabaazi, 
boley othey, 'Charo charo, 
onek kaaj ache BAAKI; 
regey giye diyi TV chaaliye aar 
sekhaane naachtey naachtey 
ekti sundari mahila gaayichey 
gaan, 'O saaki, SAAKI.' 
Sundari mahila sarakkhon jhogra korte 
korte taar premik er saathey haatche 
Park e, sabai fishfish kore boley, 
'Ei chele maairi heavvy LUCKY.' 
Chele taa o mon e mon e bhaabe, 
'Jhogrute meye sundari 
holeyi ki sukh e 
thaaka jaaye NAAKI !' 
Meye ra bhabey je 
odhikangsho chele raa ee 
naaki GIRGITI; 
othocho nijera je tiktiki, khaali sandeho 
koraa ta ekta baaje swabhab, nijeder bhabey 
jano, 'Byomkesh', 'Feluda' baa 'KIRITI'. 
Taao jodi bujhtaam je 
robibaar er sakaal 
belaaye besh redhey dicchey 
aloo r dum aar karai suti r KOCHURI. 
Proti maash e ontoto chaar te chuti r din e 
restaurant er khaabaar khetey jaabe, othocho 
bolbe, 'Khaowa daaowa ektu kom karo, 
tomar kintu berey jacchey BHURI.' 
Ki aar kori, taai maajhemoddheyi ektu 
byam kori aar pet thanda raakhte khaai 
chinir jol e bhejaano MURI. 
Cheleder mon boraabor ee 
rasik o kochi, taai taader hriday 
praaye ee hoye jaaye CHURI; 
aar meyeder mon toh 
alpo boyesh ei 
hoye jaaye BURI; 
taai toh premika der mon ke abaar 
kochi korbaar jonnyo, premik raa kheley 
kato ee naa LUKOCHURI."- Arindam Sain

IT WAS AN ADVENTUROUS TOUR OF A HIMALAYAN JUNGLE BY NARENDRA MODI AND BEAR GRYLLS; DO VISIT ANY INDIAN FOREST ONCE IN A LIFETIME TO ENJOY THE BEAUTY OF NATURE, SPIRITUALITY AND THRILLS !!!

"Almost all the Indians said, 
'Oye, Bear Bhai, Welcome to INDIA; 
itni saalon se aap ki 'Man Vs Wild' program 
ne toh haamaare dil jeet LIYA'. 
On 12th August 2019, we saw in a program 
of Discovery Channel, that Mr. Bear 
was waiting for someone in the 
reserve forest named after Jim CORBETT. 
Shri Narendra Modi, the Prime Minister of 
India met Bear Bhai and shared 
some of his childhood stories 
which was really GREAT. 
The forest is the 
habitat of wild elephants 
and ferocious royal bengal tigers, 
so, Bear Bhai created a WEAPON. 
Mr. Modi suggested that never ever fear 
or get into any conflict with the 
Mother Nature, otherwise, the problems 
will continue and will go on and ON. 
One came to 
the Himalayas for 
trekking in his TEENAGE. 
The other one left home to explore the 
spiritual world in the Himalayas 
to become a SAGE. 
It was raining slightly 
with thunders at that STAGE. 
Alternatives are lesser inside a jungle, 
so, he sat on that round boat at this AGE. 
Jungle teaches 
you to become 
just a simple human BEING; 
you are just a simple ordinary man in 
this Universe and your spiritual mind 
is your real KING. 
Narendra ji believes in forest 
conservation, which is really so SPLENDID. 
In India, the word, 'SPIRITUAL' is really a 
very important and positive word INDEED. 
Life cannot be termed only 
as a competitive and 'Survival 
of the fittest' RACE; 
Life is also about 
providing all the plants 
and animals their beautiful SPACE. 
It was really a 
fantastic adventurous tour 
of a Himalayan jungle by 
Narendra Modi and Bear GRYLLS. 
No matter in which nation you belong, 
once in a lifetime, do visit any forest of 
India to experience the beauty of nature, 
spirituality and THRILLS."- Arindam Sain.

MINIMUM BRANCHES, MAXIMUM BUSINESS; CUSTOMERS TO GO FOR MORE CASHLESS; AS THE TIMINGS OF CASH COUNTERS WILL BECOME LESS !!!

"As a customer of any PSU Bank, 
make sure that your customer ID is 
verified by your UIDAI server 
biometric AUTHENTICATION; 
otherwise, the Indian Government may 
declare your CASA accounts in any 
PSU Bank as 'Dormant' or 'Inactive' status 
without any further NOTIFICATION. 
Despite so much 
monetary provisions 
for NPA, the percentage of 
NPA amount is still so ALARMING. 
The amount of Non-Performing Housing 
Loans and KCC Loans may be a 
deadly meteor to hit the Banking Industry 
and it is speedily COMING. 
For bad Housing Loans, 
the mortgaged property 
to be put on sale 
as per SARFAESI ACT. 
For bad KCC loans, either you go for 
relending or send their cases to 
Lok Adalat, no matter how negatively 
the customers REACT. 
The District Magistrates, BDOs and the 
Police Inspectors sometimes delay the 
entire NPA recovery process 
and it is a brutal FACT. 
We are seeing an increasing 
trend of a peculiar caste, 
which is 'Nirav Modi' caste, as in this 
caste, all are wilful DEFAULTERS. 
If the poor farmers can repay back the 
loans in time despite so much troubles, 
then why these rich businessmen run away 
here and there and act like FRAUDSTERS ? 
From 2015 to 2019, analyze all data of 
all branches to give an average rating 
out of HUNDRED. 
To reduce operating expenses, shut down 
all branches whose average rating 
is in RED. 
All branches to have at least 9 staffs 
(4 OFF, 3 CLK, 2 SSTF) with 
specific DEPARTMENTS. 
All branches to have at least 1 lady 
Bank Mitra who will sit at the front desk as 
one of the 'May I Help You' ASSISTANTS. 
Even at that front desk, 
receipts and payments upto 
Rs. 25,000/- can be done 
with biometric AUTHENTICATION. 
All branches to have its own CTS Hub, 
where an officer's job will be to scan 
cheques on the same day with 
proper and detailed VERIFICATION. 
In 'Specialist Officers' category, 
Ex-Servicemen to be recruited as 
'Security and Loan Recovery Officers' 
(SLRO), whereas, at least 3 years 
experienced IT professional to be 
recruited in IT DEPARTMENT. 
To add more spices in the curry or 
to add some cherries on the cream cake, 
at least, 10 years experienced Credit 
Managers and HR Managers of other 
PSU Banks to be recruited through 
lateral entry RECRUITMENT. 
All branches must have Internet 
connections with 3-Tier CONNECTIVITY; 
to add more backup, 
speed and FLEXIBILITY. 
All banks must have the same upgraded 
and No.1 Antivirus installed in each and 
every computers to provide 
maximum SECURITY. 
Each and every branch 
of any PSU Bank 
must have an armed 'SLRO' 
to perform the dual DUTY. 
Retina scan will be used soon to enter 
into any computer domain by verifying 
the user's IDENTITY. 
The employees 
of top 10 profitable 
branches of each zone 
to be given (QPI),
Quarterly Performance INCENTIVE. 
The Head Office of any PSU Bank must 
send Greetings Cards to top 10 customers 
based on monthly transactions and timely 
loan repayment every month as a 
good 'CRM' INITIATIVE. 
'Minimum BRANCHES; 
maximum BUSINESS; 
customers to go for 
more CASHLESS; 
as the cash counter timings 
will become LESS."- Arindam Sain

RUN LATER AFTER GLOBAL RANKS; FIRST RENOVATE HR POLICIES AND SALARIES OF PSU BANKS !!!

"PRIVATE BANKER: 'Even if you perform 
well in any PSU Bank, there is 
no monetary MOTIVATION. 
Even today, between the employees of 
metro branches and rural branches, there 
exists a salary DIFFERENTIATION. 
The top management of 
any PSU Bank is 
always concerned 
when the business figures 
of any branch becomes NEGATIVE. 
But, when a branch is doing a good 
profitability in all its parameters, the 
top management never talks about 
giving the staffs of that branch, 
any 'Performance INCENTIVE'. 
Gone are those golden days, as your 
NPS Fund is being invested in 'SBI 
Corporate AG' mutual fund, so that you can 
get at least some amount of PENSION. 
Why the 
PSU Banks are 
yet to be included 
under any Pay COMMISSION ? 
Why such a delay for the 
latest pending 'Bipartite 
Settlement' IMPLEMENTATION ? 
It is high time to jump to Private Banks, 
as for PSU Banks, there may be 
an increased ATTRITION.'" 

PSU BANKER: 'The problem lies 
in the real top level planning 
and its proper EXECUTION. 
Many rural customers 
still believe that PSU Banks are the 
only reliable financial INSTITUTION. 
Too many customers, but, 
staffs are lesser in number to 
hamper the customer SERVICES. 
That's the area, where the private banks 
tried to focus upon and tapped so many 
big customers from different PLACES. 
Why PSU Banks are still 
not under any Pay Commission 
is still a THRILLER ? 
But, we are starting 
to see the 'Mergers & 
Acquisitions' movie TRAILER. 
Run later 
after global RANKS; 
first renovate HR policies and salaries 
of PSU BANKS.'"- Arindam Sain