JUST CREATING A 'MIS PORTAL' IS NOT ENOUGH, THE REAL EFFICIENCY LIES IN THE SPREADSHEET GENERATED AFTER DATA EXTRACTION !!!

"Just creating a 'MIS Portal' is not enough, 

the real efficiency lies in the spreadsheet 

generated after data EXTRACTION; 

in many a cases, the information that we 

get in the spreadsheet does not provide 

the real mental SATISFACTION. 

After extracting a spreadsheet, say, 

for example, the NPA borrowers list, 

there is no information about customer's 

mobile number and ADDRESS; 

so, again, a time is wasted to find out those 

details by checking each and every loan 

account in CBS software, which unnecessarily 

delays the entire NPA recovery PROCESS. 

Whenever any NPA borrower 

is coming to deposit any 

money in his/her savings ACCOUNT; 

the CBS software must automatically 

flash in the screen, the NPA loan account 

number and the outstanding AMOUNT. 

The CBS software system 

should be programmed in such 

a manner that it will do 

the automatic DEDUCTION; 

of 5% of the total outstanding amount every 

week from the savings or current account of 

the same customer ID of PNPA borrower in that 

same financial INSTITUTION."- Arindam Sain

IN MODERN TIMES, PSU BANKS ARE MAKING MORE TIE-UPS WITH SECURITY OR LOAN RECOVERY AGENCIES !!!

"In modern times, PSU Banks are 

making more tie-ups with Security 

or Loan Recovery AGENCIES; 

as the PSU Banks are having 

manpower shortage and some 

other administrative EXIGENCIES. 

Based on commission system, the security 

agents work quite aggressively 

on the recovery PROCESS; 

the failure rate of actual 

recovery in these cases 

is somewhat LESS. 

But, in Private Banks, 

they go for a permanent 

'Recovery Officer' RECRUITMENT; 

whose job is to collect 

outstanding dues only everyday 

under the direct guidance of top MANAGEMENT. 

Also, in several cases, 

where there is a 

legal dispute regarding 

bad assets between the 

Private Bank and the NPA BORROWER; 

any permanent 'Law Officer' of the Private Bank 

efficiently tackles the legal case so well, that 

the NPA recovery becomes successful 

as the Private Bank succeeds in 

showing its ultimate legal POWER. 

In PSU Banks, the top management 

is always looking for 

'Jack of all, master of none' 

due to manpower SHORTAGE; 

but, in Private Banks, specific jobs are 

assigned to specialist staffs, and due to 

full concentration on the job, the net profits 

are high in this modern AGE."- Arindam Sain

THE INTRODUCTION OF 'PERFORMANCE LINKED PAY' IN PSU BANKS IS A GOOD INITIATIVE; THE BRANCH EMPLOYEES WILL AUTOMATICALLY GET MOTIVATED WHEN THEY WILL GET INCENTIVE !!!

"The introduction of 'Performance Linked 

Pay' in PSU Banks is a good INITIATIVE; 

the branch employees will automatically 

feel motivated when they will get INCENTIVE. 

Focus will be more at branch level 

to increase the percentage of 

branch PROFITABILITY; 

even by spending a certain percentage of 

this incentive personally, bank staffs can even 

create an unofficial team as per SUITABILITY. 

The unofficial team members after 

getting a share of this incentive will 

always try to achieve the TARGET; 

but, they must also feel 

satisfied with whatever 

unofficial commission they GET."- Arindam Sain

IN THIS ERA OF 'DIGITAL BANKING', IMPLEMENTING 5 DAYS BANKING WITH 4 HOURS PER DAY 'CASH TRANSACTION DEALING' WILL NOT HAMPER THE PSU BANKING BUSINESS !!!

"BABLOO: 'Though, they are 

yet to permanently IMPLEMENT; 

one of demands made in 

the 'Bipartite SETTLEMENT'; 

but, still, on Saturdays, banks will remain closed 

even if it is not in the zones of CONTAINMENT.'

BABOOL: 'The customer dealing 

time is till 2 PM, which was 

the normal schedule time of 

PSU Banking in those DAYS; 

the interesting thing is that 

in August 2020, there are normal 

calendar holidays on all 

odd numbered SATURDAYS; 

in this era of 'Digital Banking', implementing 

5 days banking with 4 hours per day 

'Cash Transaction Dealing' will not hamper 

the PSU Banking BUSINESS.'"- Arindam Sain

FIRBEY KI, AAR FIRBEY KI, KHAMOTA E AAR FIRBEY KI; SESHMESH KI TAHOLE, PARIVARTAN ER PARIVARTAN HOBE NAAKI !!!

"Firbey ki, aar firbey ki, 

khamota e aar firbey KI; 

seshmesh ki tahole, parivartan 

er parivartan hobe NAAKI. 

Charidikey je adbhut andhokaar, tobu 

bhalo, je ontoto dekha jaaye kichu JONAAKI; 

kato ki ee naa holo dekha, naa jaani 

aaro kato kichu dekhaar ache BAAKI. 

Aatank e baas korchey 

naa jaani kato KHUKI; 

ke kothay je korbe aakraman, 

sarbatra ee jeevan er JHUKI. 

Dhani hocche 

aaro DHANI; 

'Cut Money' r byabostha toh noy, 

jano ekti swarna KHANI. 

Durnitigrastha raa ee toh ekhan 

hoyeche nayan er MANI; 

keyu khaoacche gur batasha aar keyu 

churi kore khacche haarisaal e rakhaa NANI. 

Durniti ektu hoyeyi gachey OTIRIKTA; 

taai sadharan maanush bejaaye BIRAKTA; 

ekush ei hoyto hobe 'ekushe aayeen' 

er bichaar, din din komche BHAKTA; 

ei larai kintu kramosho 

hocchey besh SHAKTA. 

Taan taan uttejona e 

bhora ei PRATIYOGITA; 

maanush ee nebe sathik shiddhanta, 

je kaar aache kiser JOGGYOTA; 

janagan jodi ekbaar 

korte bose hisebnikesh, 

khuley oisab durniti r KHAATA; 

raataraati khuley jaabe kato 

mukhosh, bipad e pore jaabe naa 

jaani kato rajnoitik NETA."- Arindam Sain

THE PSU BANK STAFFS NOWADAYS ASK THE QUESTION, 'WHAT IS NEXT'; THE OLD TAGLINE OF 'SAMSUNG' FITS SO WELL IN THIS CONTEXT !!!

"The PSU Bank staffs nowadays 

ask the question, 'What is NEXT'; 

the old tagline of 'Samsung' 

fits so well in this CONTEXT. 

'Rapid Privatization' at any cost 

is becoming one of their 

topmost PRIORITIES; 

how much money will actually come to 

boost Indian economy after selling so 

many government owned PROPERTIES. 

Don't follow the 'American Business Model' 

blindly, as their business and product quality 

degrades due to job OUTSOURCING; 

the cake gets baked 

and packed but without 

a perfect ICING. 

Why the Indian Government 

went for Bank NATIONALIZATION; 

why the Indian Government welcomed in 

its economy, the 'GLOBALIZATION'; 

first try to understand 

it with some detailed 

research, case studies 

and fruitful ANALYSIS; 

why follow the 'American Business Model', 

when everyone knows that without the help 

of Indian origin workforce, USA cannot 

come out of this financial CRISIS."- Arindam Sain

THE RECENT MYSTERIOUS DEATH OF A CELEBRITY HAS HELPED THE CRIMINALS TO DO A CRIME IN A DIFFERENT STYLE !!!

"COP: 'The recent mysterious death of 

a celebrity has helped the criminals 

to do a crime in a different STYLE; 

we are seeing quite a similar kind 

of trend in some criminal cases 

at present for a WHILE.'

DETECTIVE: 'What you see 

with your naked EYES; 

can be a drama series 

full of tricks and LIES. 

Don't always believe blindly 

on the reports of 'POST MORTEM'; 

think like a criminal to find out the 

real motive to understand the entire GAME.'

COP: 'The criminals who always 

escape from the hands of LAWS; 

for them, we such tigers are always 

there to hunt with our PAWS. 

Don't worry at all, 

because, we have their 

names mentioned in our 'Hit LISTS'; 

to protect the innocent common 

people of our society, our duty 

is to hunt down those BEASTS.'"- Arindam Sain