I rushed to Cantonment RS. It is already 2.50 p m The Double decker train came. I booked tickets only the night before. But the tickets got confirmed by 12 noon. I got only aisle seat. The window seat was occupied by a middle aged man with a lap top. His size occupied more than the seat he occupied. The Railways design does not meet indian standards. I was a little worried..if I have to travel with an unrelenting co passenger trying to occupy space from the neighbour also.
But when i knew he was from .....Bank and was in Inspection department. He gave me some respect not because of grey hair but because he asked me which grade i was.. and in his Bank, III to IV he says is like jumping from mountain to mountain where as it is climbing in case of I to III.
Then it was all talking. He says his Bank is worried of internal frauds...He said that Bank has gone in for introduction of Basant Committee recommendations, wherein the queries for products will be given by the system and we have to say Deviation or No deviation and the comments. Achievements and Non achievements, Deviations and non deviations will be taken into account and marks will be allotted by system leading to lesser manual interference and interpretations and globalisation of inspection in banks in india.
State Bank of India has started this process much earlier and i felt that GOI has extended this to other banks for uniformity in banking system.
He also was talking of the knowledge gap of the Branch heads/ department heads and the lack of HR management (HR is the most important asset of any institution),lack of system in finding out the skills in Officers. This officer was in II grade. He was posted as a BM in a rural branch in TN. and his AGM called and thanked him for his was the only branch in the module that has achieved all parameters - achieving 2 cr in deposits and 9 cr in advances without losing marks in any other parameters. When he was 1.5 year old in the branch, a transfer order was issued to him posting him as Inspector - the reason the branch being a rural one, and his tenure in rural branches has been completed, the branch should be given to some other who is in need of rural assignment. The pity is.. the new branch manager was reluctant to come and tried for modification and the branch was without permanent head for about an year and the modification did not come through. The branch head joined and he took it as punished and showed his reactions to all and the result is..all the good work done by the young aspirant was destroyed. Customer disatisfaction was revelant when many of them called and asked whether the earlier BM can be recalled..."
He says that he was given training and the Letter of Authority only after two months whereas he was asked to inspect branches during this period..He also lamented..one of the inspectors who came for this training was known for deficiency in knowledge during his tenure as BM..
The inspectors in that branch is not provided with lap tops.
He also shared an open secret.. Discounts in hotel bills....He says the hotels are better informed of the eligibilities of different banks/ different grades..
( i told him of Pushparajan's story..how he was afraid when a hotel boy told him of the discounts and who all had got how much discounts, when he stayed at a hotel during his audit. He immediately took a transfer from Inspection)
While I was in Inspection Department, i gave a note to our GM, DGM etc of my views of how the Department could be made better.. (I wrote..My wishlist).. Being the co ordinator with RBI/SBI audit and also because I was assisting DGM Inspection for ACE/ACB, I knew how other departments also were working. I wanted to place such a wish list for other departments also ( i had earlier submitted one for Compliants department - though my wish lists did not see light.+
(E&OE)
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