Number of officers performing the work such as voucher posting, data entry in finacle, counting cash , dispatch of letters etc in a bank which should have been done by clerk is at least 20% of total number of staff in a bank.
Suppose if 5000 officers ( scale I , scal II and scale III and above ) are constrained to work as clerk in want of adequate number of clerical staff in a branch of a mid size bank, the bank has to pay at least two lac rupees per year officer more than what they could have paid to clerk, had there been adequate number of clerks in a branch to perform the work which officers are constrained to perform in want of adequate number of clerks in the branch..
It is remarkable to know that average pay of a clerk is Rs.2.00 lacs per year whereas that of an officer is Rs.400000/ per year.
5000 X 200000 = 100 00 00000 i.e. Bank lost Rs. 100 crore per year due to faulty policy of bank.
Similarly a mid size bank has recruited thousands of officers in scale III or scale II directly from the market and they are doing the same work which otherwise a scale I officers could have performed easily. Average pay of a scale I officer is Rs. 2.5 lacs whereas that of scale II and scale III is Rs.4.5 lacs. It means excess payment of Rs. 2.00 lac per year to at least two thousand officers recruited directly from market / campus for performance special job.
2000 X 200000 = 40 00 00000 i. e. Bank lost at least Rs.40.00 crores per year.
Similarly banks have spent unwarranted money of training staff but in fact staffs were neither suitably trained nor were they effectively used to perform the work for which training was imparted.
Bank spend lacs and crores of rupees in organizing functions for inauguration of new branch, for inauguration of ATM, for celebration of renovation of a branch, red carpet welcome to dignitaries who are invited to preside such expensive functions and crores of rupees are spent in offering costly gifts to VIP dignitaries from various offices including from higher officers of the same bank who use to visit a branch or a town.
If RBI governor or Dy governor or CMD of any bank or a minister or local IAS officers, or local Member of Parliament or MLAs visit any town, each public sector bank spend lacs of rupees to extend red carpet welcome.
Altogether theses expenses constitute flattery expenses incurred to win the heart of powerful officials so that such flatterers may get early promotion, good posting and acquittal from punishment if their evil works are detected by auditors and inspecting officials.
In brief flattery cost and comfort cost in public sector banks is far greater than that in private banks.
Crores of rupees are spent by banks on organizing business plan conferences, on training colleges and on payment of various types of incentives every year by almost all government banks. But unfortunately most of them fail to achieve desired goal and to keep their staff happy and to keep their banks safe and profitable.
Above are also few reason why staff cost is higher in government banks and why quality is facing erosion year after year. It is not true that wage structure of bank employee is causing load on wage bill of government banks but it is mostly misuse, improper use and inadequate use of manpower employed in a bank which has caused in increasign staff cost of government banks compared to private banks.
No comments:
Post a Comment