Identify Bad Bankers

I would like to request RBI or Government of India or Ministry of Finance and particularly to all responsible officials to prepare a list of NPA borrowers in various segment of amount involved and try to know the person who created , supported indirectly through Branches in generation of more and more bad assets known as Non Performing Assets (NPA).

RBI can call for such information from each bank and each branch. Now a day such information can be generated through CBS without any loss of time and without any discomfort. Even controlling officer can generate such list if he or she so likes.Excel sheet can be prepared very easily on following columns.

1. NPA Account with value involved upto Rs.10.00 lacs ( small borrowers)
2. More than 10 lacs to o 50 lacs (medium size borrowers)
3. More than 50 lacs to 5 crores (large borrowers)
5. above five crores. (very large borrowers)

Each segment should contain following columns so that it can precipitate the name of bad bankers.
1. Name of borrowers
2. Date of sanction
3. Name of Branch head
4. Name of immediate controlling head

Then select through excel and filter data as per person on all India basis. It means bank should prepare a list of all bad borrowers which have been sanctioned by a top executive say ED, then General Manager , Deputy General Manager and so on up Regional Head . Such list should be prepared for each and every executive in the bank starting from top scale VII to scale III.

First make a list of big amount NPA borrowers created by regional head or circle head in India during last five years irrespective of his posting (sanctioned directly by him or through branch manager working under him)’

This will indicate the name of executives who created maximum NPA and prove that such officials are getting fastest promotion and all such people are sitting on top post and hence there is none to punish bad officers.

Such executives have very good relation with top bosses and also powerful persons sitting in RBI and banking division. This is why no action is taken against top officials and in all cases of misdeed junior officers are made scapegoat. Such officers if trapped accidently can manage tactfully even CBI or vigilance officials and ensure closure of files or at least ensure awarding of minimum punishment.


This is why there is dissatisfaction in the branches and administrative offices among junior officers in all banks under public sector. Bank officers are least bothered at field level whether NPA is increasing or profit is shrinking. Clever bankers are always expert in making lame excuses of global recession or bad monsoons or debt relief and so on.

Corrupt officers are quickly promoted and posted at good places in big towns whereas good officers who are serious workers are placed at bad places and in critical branches.

It is therefore dire need of the hour to find out l corrupt officers at top level and ensure that they are punished and without which one cannot imagine of NPA coming down in any bank. When top officers will be booked to task , clear cut message will spread upto the bottom level officers and only then officers will desist from corrupt practices and top officers will not post and promote juniors on the basis of flattery of on the basis of golden and diamond gifts they get from juniors.

Only a healthy culture in bank can help in reducing NPA percentage and help in becoming top ranked performer bank.. Hitherto CEOs and EDs in banks are showing lesser percentage of NPA by increasing volume of fresh and short period advances or by selling NPAs to ARCs.