As Volvo buses are arranged to trans-ship bank CEOs, to NIBM, Pune for the brainstorming with the PM , real issues remain to be tackled...
a) NPA at abnormally high levels; name lending rather than due credit appraisal;
b) A Reserve Bank which appears more concerned with monetary policy than with banking policy;
c) A non- banking system that seems to grow despite financial inclusion measures by the Government;
d) A non- sync of the banking industry with the real industry;
e) An overpaid but under-worked employee segment out of sync with national average; restrictive unionization;
f) A sector over regulated by the Ministry and by the RBI;
g) A sector which has created several tiers at the top more as accommodating and ornamental posts rather than really required professionally;
h) A sector that preaches financial inclusion but identifies itself with the urban middle class and above;
i) A cooperative banking sector that appears neither here nor there.
j) A board in which regulators seem to influence which is antithetical to independence;
k) A sector which sees little accountability at the higher and regulatory levels.
Views without risk or responsibility.
a) NPA at abnormally high levels; name lending rather than due credit appraisal;
b) A Reserve Bank which appears more concerned with monetary policy than with banking policy;
c) A non- banking system that seems to grow despite financial inclusion measures by the Government;
d) A non- sync of the banking industry with the real industry;
e) An overpaid but under-worked employee segment out of sync with national average; restrictive unionization;
f) A sector over regulated by the Ministry and by the RBI;
g) A sector which has created several tiers at the top more as accommodating and ornamental posts rather than really required professionally;
h) A sector that preaches financial inclusion but identifies itself with the urban middle class and above;
i) A cooperative banking sector that appears neither here nor there.
j) A board in which regulators seem to influence which is antithetical to independence;
k) A sector which sees little accountability at the higher and regulatory levels.
Views without risk or responsibility.
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