Restructuring the Banking Behemoth

                                                             Restructuring the Banking Behemoth

The banking system is a system of financial need and monetary management. An account is like a purse which allows you to manage your money and more so in today’s world where banking is driven by technology of the likes of ATMs, Core banking platform, Internet banking, Mobile banking and SMS alert facilities-all these  with 24*7  customer support system. Still banking is need of human beings and it will always demand the involvement of men and women and therefore it is only pertinent to make the banking services glitch-free and smooth to give happy banking experience to the people. Doing the business of banking in the country of having 1,21,00,00,000 plus people and thousands of organizations, trusts, institutions, industries, corporations, association and partnerships is both a challenge and opportunity. And when the bank in question is State Bank of India, the challenges and opportunity acquires staggering proportions.

                                             

                                                       State bank is among the oldest bank of India and its more than 200 year history as the premiere bank of the land distinguishes it today in the form of the largest network of branches, ATMs and POS. Every year of its history has earned it applauds and the stretch of all these long years encompassing centuries has never given a –ve sign to the profitability in its balance sheet. Yet we cannot say that the SBI has never faced a tough time. It has faced very stiff times in various patches of its history and strong competitions in recent times. It has earned pride and trust among its customers because of its transparencies in rules. In spite of all these positives we cannot claim to give to all its customers the experience of “happy banking” all the time. My own experience before joining the bank had not been so good. I had to waste a lot of time in getting a thing done. Blame it on poor efficiency of staffs, or lack of appetite to work or the crowd in queue. I would get impatient and enraged but it never mattered in the crowded ambience of the banks. But today it matters. You are unhappy with the banking system of a branch, an SMS will do. Send an SMS “UNHAPPY” to 8008202020 and your problem will be resolved within a few days. So the banks are trying hard to give a feel of “happy banking” all the time.

                               

                                                                                   Today shrugging behind the inertia of past, the State Bank Group is ready to take on new challenges with greater momentum. The bank has incorporated various products and mode of delivery. But still we need to make some sweeping changes in our structure and the methods of service delivery to improve drastically the experience of “happy banking”.

Maa

Mother is a scarce material not available in abundance.

Argument of Love

Love has always been an issue. Particularly when it involves characters of the order of a teenager or a young chap seeking to find answers to his emotions and needs in a world which offers constraints more than solutions. Struck between tentacles of tradition & custom and cord of desires, there seems to be no way forward and every answers of questions has ended only in mind-teaser questions. Here is how a conversation unfolds between two friends-Vicky and Ramu on this sticky issue.

Ramu: Try to be a man! You can’t leave all for her. I know you have not been sympathized and supported in need. I know the family and the world has been harsh for you. But what then, will you leave all for her

Vicky: yeah! I will leave all for her if it so warrants

Ramu: But, why my friend?

Vicky: Because she knows me. She knows my ideals and principals. We together strike a  

            Chord in whatever we do. She knows my ability to carve success out of mountain of failures. She helps me forget the unsuccessful strives and make me learn a thing or   couple of things out of it. So I feel she is my need. A friend of her kind is above all. She can truly be my life-partner. So I love her. So I adore her. And so why I desire her desperately!!

Ramu: Well my friend! I will help you get her. I will fight the world with you if needed to help you meet your fantasized end. But then that should be all. You won’t ask anything more from this world. She alone should fulfill what you want.

Vicky: Are you speaking in tongue of business?

Ramu: Yeah! My friend I want to make you understand the business of the world.

Vicky: But! Love is pure and providential. How can you barter it for another thing of worldly origin?

Ramu: My Chap! Love is not pure. Neither it is impure. It is your vision that is important. You tried to see solutions in her and got it. And you understood all other as source of problems. It is not your fault but scanty experience of life. The miseries of life always blind the vision and wants to run to shelter itself in abode of fantasized desires. For which you want to leave all is merely a quality of one form of
love-infactuation. It demands breaking away from the rest for the
amalgamation with the object of infactuation. In contrast love is
comprehensive and wholesome. It is such by which you can encompass the
whole of the world in yourself. Love is also infectious. You start
indulging with somebody; love will dissolve you into a solution of
intimacy. Similarly you start eyeing negatives, you will feel the need to distance yourself.

Vicky: Then what? Should we all human being cease to love?

Ramu: I don’t know what should be the worthy end of love stories. But one
thing is clear and it is, live by ideals and principles. If you love
, be brave to face the worst of it. Don’t forget, if you are unworthy
to whom who has raised you, how can be you to one whom you have chosen
merely out of affection.

Vicky: Objection! My friend I love her. This love is not only physical. It is the most irony of the fact virtues do find home in physical world. Sweetness is found in sweet. Coolness is virtue of water. Brightness is identity of light. And heat is of fire. Emptiness gives meaning to space and ability to change is characteristic of time. Similarly sensibility to love and to be loved is meaning of being human. It is evidence of the fact of existence of a sophisticated consciousness within. The Master has so designed us  and He is perfect among the engineers ,the makers. In fact He is the only creator. 

He has woven such that the material world does not look that much dead. life be life . Life could have a sense of being different from non-life. Have life a house of comfort amidst its troubles , austerities and uncertainties. So if you accuse me of being a pervert in your traditions , i accuse you of being illogical and unnatural far removed from senses of being true to the self

                            If my destiny is to be human, love has to be my religion and the prophets of this religion has always preached to listen to the subtle music of the heart and follow it.

                                                                           

Ramu:

                                             .................continued




(c) copy right reserved 

Amit kr Pandey

Congratulations!!!

A Jean Paul's boy from Arrah named Keshav Singh has been invited by
the Govt. Of india to share the dias with the PM on 26th January for
watching the Republic DAY parade. This honour has been confered upon
100 odd students across India.I extend my heartiest congratulations to
this lad of my town and the new torch bearer of My Jean Paul's senior
secondary school. Boy! you have done A1 job. May God bless you!

Our Villages-challenges and opportunities

                           Our Villages-challenges and opportunities

Our villages are our first world and our motherland. For me without a second thought my village is my first love among the places in world. And for India who claims that her soul lies in her villages, the villages become all more important. But when we throw a look on our villages we find that we are still lagging in development and the villages of our country still give the look of 80s and 90s even in 2012. Barring the invasion of a few technological tools i.e. TVs and Mobile phones, the villages are still a centre of minimum activities of creativity. Thanks to our poor leaders who are bankrupt with ideas and activities.

The Youth

Our villages are optimum source of quality human resources. But our young people are still a liability in their youth and the rush of blood in their veins is still used to nourish the petty needs of daily life. Worse for those who are led by anti-social elements and parasites disguised in form of leaders. Obviously our youth have a gloomy present and with all certainty have uncertain future.

The Education System

 India has always boasted of its education system in all ages of its civilization. And Indians love to flaunt their depth of knowledge and finesse of understanding. But the schools-the seat of learning still don’t have infrastructure to facilitate learning. The curriculum of Govt. schools and Boards had become obsolete long ago but still they are being used. There seems to be no goal. It seems you don’t have to reach any where.

The Health Care

Health is real wealth- this we have been made to memorize since childhood. But we have never cared to give a thought over it. Still villages don’t have a community health centre. Worse those villages which had a health-care centre today lies in shattered state and in condition of absolute apathy. The doctors of villages are medicine shopkeepers and self-proclaimed Doctors. So for villages bad health is way to hell.

Sanitation

It is said cleanliness is next to godliness. But Proper drainage system is invisible in villages of twenty-first century. Even villagers are ignorant from the benefits of cleanliness and neatness.

Energy and power

Even today hundreds of year after electricity was discovered as a source of energy, the villages still sleep in darkness. “Lantern age” does not seem to end.

Point to ponder

Villages provide a homogeneous distribution of population facilitating basic natural resources like pure air, drinking water and land to be shared over a large geographical landscape. Villages equipped with basic and modern facilities will prove to be cradle of healthy and peaceful home of generations to come. I believe they are the only solution to the ever increasing population. Isn't it  wise to revive our villages in new avatar? 

             

"Human life is  time-travel for beautiful experiences" says Amit

                                                              

Why it so happens?

Whenever I find the key to success, someone changes the lock.

To Err is human, to forgive is not a COMPANY policy.

The road to success??.. Is always under construction.

In order to get a Loan, you first need to prove that you don't need it.

All the desirable things in life are either illegal, expensive or fattening or married to someone else.

Since Light travels faster than Sound, people appear brighter before you hear them speak.

Everyone has a scheme of getting rich?.. Which never works

If at first you don't succeed?. Destroy all evidence that you ever tried.

You can never determine which side of the bread to butter. If it falls down, it will always land on the buttered side

Anything dropped on the floor will roll over to the most inaccessible corner.

As soon as you mention something?? if it is good, it is taken?. If it is bad, it happens

He who has the gold, makes the rules ---- Murphy's golden rule.

If you come early, the bus is late. If you come late?? the bus is still late.

Once you have bought something, you will find the same item being sold somewhere else at a cheaper rate

When in a queue, the other line always moves faster and the person in front of you will always have the most complex of transactions

If you have paper, you don't have a pen??. If you have a pen, you don't have paper?? if you have both, no one calls.

Especially for engg. Students---- If you have bunked the class, the professor has taken attendance.

You will pick up maximum wrong numbers when on roaming

The door bell or your mobile will always ring when you are in the bathroom.

If your exam is tomorrow, there will be a power cut tonight.

Irrespective of the direction of the wind, the smoke from the cigarette will always tend to go to the non-smoker

 

Corruption:The internal Malady

         -amit kumar pandey 
                                                                              Corruption!    
  This one word has drawn several headlines in the year bygone and continue to fuel revolutions around the world-from west to east. Many have lost their throne and invincibles have lost to defeat. And whose possessions seemed to be endless are today dispossessed of their SOUL and its dignity in their death. And consequently because of so much of noise-pollution it kept on our mind like nothing else. We who are not the beneficiaries of this unaccepted mode of leisure, comfort and power do certainly find ourselves on disadvantaged side of competition for excellence and worse of them who are victim of it for no fault of their own.
Who we are?
We all work in this world of limited resources for the use of which we have arrived at a mutually accepted standard practice established by law or tradition. The resources are ,of course, a means to make anenriching experience of life of everyone of us whom we invite by love-making and who oblige us by coming from nowhere to life. We and our co-partners of varied shapes, sizes, colors and needs form adiversified and rich ecosystem of which we are the proud care-takers. So what qualifies us to make us the guardian of this "system of lives" and the master of world. The answer lies in our ability to understand and solve a problem with right kind of solution. So to be concise it is our abundance in IQ and EQ that gives us natural mandate to lead. So we are proved to be an entity of unique consciousness blended with both intelligence and emotion.
Why the temptation?
Consciousness come here in pursuit of only one goal-to live to consume. But,it does not know how to strike a balance between living and consuming . Mesmerized by its own existence it wants  to come to terms with itself. So it devises ways to put restraint upon itself which we call "inner-voice", or moral or more coarsely rule or laws, depending upon how it has been devised . If the guardian of the humanity is State we call it a law, if it is some by some Organization we call it rule. And if the restraint has been realized by common enlightenment brought upon us by thinkers or messengers of God ,we call it moral. But, irrespective of the type of guardianship-state ,religion or association , man has needed it in all ages. Primarily because we are in disordered state we need an order to exist. This we have been trying since our inception in this world.
The Root Cause
Now the basic problem is that one single man is in himself so disordered that he doesn't know how to make consumption an enriching experience.By the virtue of instinct he has only known that more you have, safer you will be. And here we are in billions trying to figure out division of resources. So the tug of war has become multitude in dimensions and overwhelming in strength. And here CORRUPTION is born.  Those who find themselves at the receiving end of this disordered system take to this forbidden route secretly. Then there are those who do not want to slip into the category of commons after they have carved a niche for themselves by sheer strength of their capability,trying to belie  the rule of  nature that everything that will rise will fall, avail the profane route to sustain their holdings. 
The remedy 
Therefore,  our complexity of the problem of corruption is our own complexity and the solution lies in internal treatment. We must construct a system which give birth to men who we want to be.In the perfect democracy,let the rule of CORRUPTION,be brought down by the will of satisfaction. After all who is here not human?


-- amit kumar pandey