AMERICA MAY TEND TO TAKE A SLY STRIDE !!!

"When the world economy is in 
global recession, if America is looking 
at India and China as its major THREAT; 
then America may be trying hard to 
attack on oil producing nations to 
hike the per litre fuel price RATE. 
Chinese economy was going down, 
as Japanese products were 
coming up with new products 
with innovative TECHNOLOGY; 
then, China focussed more on funding 
more money on Research and 
Development and this proved to be 
a good feasible STRATEGY. 
India started focusing on creating a 
strong domestic market and also 
on the 'Make in India' CAMPAIGN; 
but, due to infrastructural issues in 
research, innovation and marketing, India 
had to import a lots of products AGAIN. 
Both China and India is having a huge 
young generation manpower which is 
a huge advantage to capture 
any market WORLDWIDE; 
and for which both the Indian 
Government and Chinese 
Government may sometimes 
take some PRIDE; 
to control and maintain 
the stronghold of US Dollar in 
the global market, America may tend 
to take a sly STRIDE."- Arindam Sain

IMPROVISE AND IMPLEMENT THE WORD, 'SIMPLIFY'; OTHERWISE, THE PROBLEMS, AGITATIONS AND VOICES OF BANK STAFFS WILL 'AMPLIFY' !!!

"Improvise and implement 
the keyword, 'SIMPLIFY'; 
otherwise, the problems, agitations 
and voices of bank staffs will AMPLIFY. 
Mergers of PSU Banks 
may create some 
big PSU Banks GLOBALLY; 
but, if the customer services remain 
poor as of now, then this merger 
strategies may look so SILLY. 
'Simple Banking, Smart Services' 
must be the global 
banking TAGLINE; 
we don't want to see the customers 
of our next generation to stand 
in any queue or LINE. 
Every Bank is 
having its own 
official Banking APP; 
provide 'CASA Ready kits' to new 
customers to reduce the existing banking 
service oriented generation GAP. 
No need to have 
too many branches 
within 4 kilometers of 
a particular AREA; 
rather merge closer branches into a 
single entity and increase the staff 
strength to see both the bank staffs 
and customers in EUPHORIA. 
Build 'Online Loan Application 
System' (OLAS), where a customer 
details will be entered and then take 
the print out of the loan DOCUMENTS; 
the customer will sign 
the documents, then those documents 
will be sent to the loan DEPARTMENTS; 
by online uploading the documents 
by mobile phone camera 
or PC linked scanner to get it 
sanctioned for DISBURSEMENTS. 
Any officer's time 
is wasted in any PSU bank 
if he/she is doing passbook PRINTING; 
rather each and every branch must 
have a 'Passbook Printing Kiosk' 
to do the quality time SAVING. 
Complex processes of CBS software 
system in PSU Banks is 
still a major DISADVANTAGE; 
private banks are 
capitalizing on these 
issues to get the EDGE."- Arindam Sain

KADI NIGRAANI MEIN HAIN HAR KHIDKI AUR DWAAR; KYON KI AA GAYA HAIN AAB CHOWKIDAAR !!!

"Har din kitni chalaaki se, 
bheegi Billi churaa raha tha 
badiya sa MACHLI; 
mohalla ka sab chuha samajh nahi 
paa rahata ki kaise achanak 
badal gaya yeh bheegi BILLI. 
Mil raha hain jab 
badiya KHAANA; 
toh phir chuhey ke shikaar karne 
kyon hain JAANA. 
Fisheries ke maalik ko pataa 
chal gaya tha yeh CHALAAKI; 
aab ek billi ke liye thoraai na koi FIR 
darz karega koi bhi Police CHOWKI. 
Bheegi Billi ko sabak shikhaane 
ke liye, fisheries ke maalik ne 
rakh liya ek CHOWKIDAAR; 
aab toh Bheegi Billi phir khaane laaga 
chuha, kyon ki kadi nigraani mein 
hain sabhi khidki aur DWAAR. 
Aab toh chuhey 
bhi ho gaye PARESHAAN; 
kyon ki bheegi billi ke liye, machli chori 
karna nahi rahaan itna AASAAN."- Arindam Sain

O AMAAR KANAKCHAPA; BHALO EE REDHECHO 'EELISH BHAPA'; GAARI R DRIVER SEAT E BOSBE TOMAAR EI SWAMI, BANAMALI THAPA !!!

"O aamaar 
KANAKCHAAPA; 
aaj redhecho tumi 'Paneer 
Biryani' aar 'Eelish BHAPA'. 
Ei thanda r marsum e, 
bristi porchey guri GURI; 
chalo beriye aasi kodin er jonne Gangtok, 
aar bhalo laagchey naa SILIGURI. 
Okhaane giye churhbo ami tomaar dikey 
kato ee naa baraf er GOLAA; 
eituku toh sahyo korteyi hobe, jehetu 
poriyecho amaaye tumi, biye r MALA. 
Naishobhoj kore 
chalo jama kapad 
guchiye FELI; 
kaal sakaal e porbo beriye 
Gangtok er dikey, amader gaari niye, 
jaar driver seat e bosbe ei BANAMALI. 
Tomar ei swami, 
Banamali Thapa je chirokaal ee 
besh BHRAMANBILASHI; 
taai toh tomaar school er chuti porleyi ami 
boley uthi, 'Cholo hey school shikkhika, 
kothao ebaar ghurey AASI.'"- Arindam Sain

BYE BYE 2019; WELCOME 2020 !!!

"What a surgical strike 
it has BEEN; 
in Balakot in the 
year of 2019; 
to take the revenge of Pulwama 
Terrorist attacks on February 14. 
Not only Bank of Baroda, even some 
other big PSU Banks had to face the 
mergers and ACQUISITIONS; 
though the real challenge is now to 
cope up with operating expenses and 
administrative INTEGRATIONS. 
NDA came into power with 
more number of SEATS; 
the 'triple talaq' got banned, as if the Muslim 
women got a victory after so many DEFEATS. 
Ram Janmabhoomi dispute has been 
resolved by the learned Supreme Court, 
so, there is no further WORRY; 
Article 370 got lifted from 
Kashmir and Ladakh became a 
new Union TERRITORY. 
The Cricket World Cup was hosted in 
England and Wales, where England 
had the final VICTORY; 
though, the performances of the Indian 
Cricket has been so impressive this year, 
that it created some new HISTORY. 
After becoming 
runners-up in so many 
tournaments of BADMINTON; 
P V Sindhu won a gold medal at the World 
Championships and now to get the 
Olympics Gold medal, the hunt is ON. 
A sad year indeed for 
Sachin Tendulkar as he lost his 
coach, Ramakant ACHREKAR. 
Even the Indian politics world lost 
politicians, Arun Jaitley, Sushma 
Swaraj and Manohar PARRIKAR. 
'Vikram' on the surface of the moon, 
tried its level BEST; 
the rapists in Telengana have been 
given the correct PUNISHMENT; 
'CAB' got passed in both the learned 
houses of Indian PARLIAMENT. 
Surprises will be PLENTY; 
bye bye 2019, Welcome 2020."- Arindam Sain

TOMRA ETO CHINTA KORCHO THANDA E KAAPCHO BOLEY; AAR AMADER EKHANE BARAF JACCHEY GOLEY !!!

"Tomra eto chinta korcho 
thanda e kaapcho BOLEY; 
aar amader ekhane 
baraf jacchey GOLEY. 
Ami Antarctica r 
aadi BAASINDA; 
eikhaaney baaro maash ee 
thaake besh THANDA. 
Kintu ki je hotath 
holo kaaley KAALEY; 
baraf goley amader onekkhaani elaaka 
ekhan parinato hoyechey KHAALEY. 
Etto baro baro baigganik gobeshona 
karo tomra, othocho korte 
paarona dushan NIYANTRAN; 
tomader jonnyo je dekhchi Antarctica r 
baraf sab jaabe goley, aar amader 
hoye jaabe MARAN. 
Hollywood er 'Happy Feet' Cinema 
dekhey hoccho tomraa ki KHUSHI; 
ebar dushan niyantran korey amader 
mukh e o fotaayo ektu HAASI; 
amraa o tomader ke 
khub ee BHALOBASHI; 
aamra je tomader ador er 'Penguin', 
Antarctica r aadi NIBASHI."- Arindam Sain

FINANCE MINISTRY HAS RIGHTLY SAID THAT THERE IS STILL A FEAR PSYCHOSIS; AMONG PSU BANKERS REGARDING LOANS DISBURSEMENT AND ITS ANALYSIS !!!

"Finance Ministry of India has rightly said 
that there is still a fear PSYCHOSIS; 
among the PSU Bankers regarding loans 
disbursement and its ANALYSIS. 
Too much NPA in PSU Banks 
has ultimately resulted in 
Bank Staffs' HARASSMENT; 
that's why, for giving 
more loans, it created 
a negative SENTIMENT. 
To err is human and 
'Banking' is indeed 
a vast SUBJECT; 
even an efficient Banker cannot say 
with confidence that a big customer 
will always remain PERFECT. 
A big customer can 
default anytime, you 
never know WHEN; 
that's why, recovery of mortgaged 
properties speedily and efficiently 
will be the only GAIN. 
In every branch of PSU Banks, 
2 officers to look after 
'Operations and Marketing' only, 
and 2 officers to look after 
'Credit and Recovery' DEPARTMENT; 
then only, the PSU Banks will increase its 
net profitability in the coming years and 
to make Indian economy a 5 trillion 
dollar economy, it will be a good 
effective MANAGEMENT."- Arindam Sain