Discover and read the best of Twitter Threads about #psbs

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"बैंकों का निजीकरण" विषय पर जब सोशल मीडिया के माध्यम से कभी कहीं कोई बहस होता है,तो निजीकरण के पक्ष में कुछ कॉमन सवाल बार-बार पूछे जाते हैं।

आज इस थ्रेड के माध्यम से हम उन्हीं बिंदुओं पर चर्चा करेंगे और कोशिश करेंगे कि हम ईमानदारी से उसका जवाब दें।
#BankBachao_DeshBachao
1/n
पहला सवाल:-सरकारी बैंककर्मी Inefficient हैं,काम नहीं करते,ग्राहकों से मुस्कुरा कर बात नहीं करते,ग्राहक सेवा स्तर बदतर है।
मेरा जवाब:-सरकारी बैंकों में पर्याप्त भर्तियां नहीं हो रही है, हक़ीक़त ये है कि 6 के बदले 1 अनुपात चल रहा है,जहाँ 6000 भर्तियां चाहिए,वहाँ 1000 हो रहा है।
2/n
फ़िर उसी अनुपात में ब्रांचों को स्टाफ़ एलोकेशन हो रहा है।ब्रांचों की हालत इतनी ख़राब है कि 3लोग जा रहे हैं तो 1 मिल रहा है,ऐसे में स्टाफों के ऊपर कितनी वर्कलोड बढ़ गयी है,इसकी आप खुदबखुद अंदाजा लगा सकते हैं।कहीं-कहीं तो दैनिक भुक्तभोगी ऱखकर ब्रांच चलाया जा रहा है।फ़िर आप किस
3/n
Read 21 tweets
थ्रेड #बैंक_बेचना_बंद_करो

आइये साहब,आपको एक छोटी सी वास्तविक कहानी सुनाता हूँ,क्यूँ बैंक नहीं बेचना चाहिए!?

मेरे छोटे से ब्रांच की बिजनेस ₹240करोड़ है,जिसमें 6 स्थायी स्टाफ़ हैं,यानी प्रति कर्मचारी बिजनेस ₹40करोड़,इस छोटे से ब्रांच से हम छह लोगों के परिवार का पेट भरता है।
ब्रांच में साफ-सफ़ाई के लिये एक कांट्रेक्चुअल कर्मचारी है,जिसे मासिक ₹12000/- मिलता है,जिससे उसके परिवार का पेट भरता है।

उसी तरह जिरॉक्स वाला दुकानदार है,जिसकी बिजनेस बैंक के वज़ह से चलती है,कम से कम तो ₹8000 का जिरॉक्स का औसतन भुगतान हमलोग मासिक करते हैं,बाँकी आय अलग!!
हमारे ब्रांच के बगल में चायवाला है,जिसकी चाय की दुकान हमारे वज़ह से ज्यादा चलती है,क्यूँकि लोग किसी ने किसी काम से बैंक आते हीं रहते और फिर उसके चाय की चुस्की भी ले लेते,कमसेकम तो ₹2000-3000 तक का बिल तो हमलोग मासिक पेमेंट करते हैं,बाँकी का ज़िक्र छोड़ दीजिए
#बैंक_बेचना_बंद_करो
Read 9 tweets
In pre-Leveson 2007/8, a Select Committee on Communications examined "The ownership of the
#news".

With the imminent launch of Fox-News-Style #GBNews AND Rupert Murdoch's #NewsUK, I just wanted to highlight some of the entirely sensible recommendations:

publications.parliament.uk/pa/ld200708/ld…
374. "The relationship between policy makers and the media is a legitimate area of public interest. We therefore propose that politicians in all parties are open & candid about their meetings with media owners & editors." Image
375. "We do not accept that the increase of news sources invalidates the case for special treatment of the media through ownership regulation. There is still a danger that if media ownership becomes too concentrated the diversity of voices available could be diminished." Image
Read 17 tweets
As of 21 Sept 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks to #MSMEs and individuals stands at Rs 1,77,353 crore, of which Rs 1,25,425 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat Image
The ambit of the Scheme was expanded to include MSMEs with turnover of up to Rs 250 crore & individuals for business purposes. As of Sept 21, 2020, Rs 9,849.74 crore of loans to individuals have been sanctioned, of which Rs 2,617.08 crore has been disbursed. #AatmanirbharBharat
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 79,347.73 crore, of which Rs 65,051.89 crore has been disbursed as of 21 Sept 2020. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Read 4 tweets
अपने व्यक्तिगत अनुभव साझा करते हुए एक और लेख हमारे बैंकर भाई @R3_QuadrilaterL की कलम से #चतुर्भुज_का_चश्मा👓

अच्छे से याद है , बारिश बहुत कम हुई थी उस साल में , दिन 22 जुलाई 2012.

जिला रायगढ़ के पास 50 किमी दूर सारंगढ़ तहसील ।
नई नई जोइनिंग थी ,जोश लबालब भरा था ।
फिर क्या बस पकड़ी और निकल लिए ।
अपना मन भी साहब बना हुआ था, भाई सरकारी नौकरी ग्रामीण बैंक में , ऑफिसर वाली , कहाँ मिलती है इतनी आसानी से ?
पर पता नहीं था जोश ठंडा होने वाला है , जैसे ही यात्रा समाप्त हुई , बस स्टैंड पे उतरे अगल बगल का माहौल देखा ,कीचड़ वाली रोड और एक
धूल भरी हवा का तेज़ चमाट पड़ा मानो जैसे तेज़ नींद से उठा दिया हो ।

हिम्मत करके हमने भी पता पूंछा, मन ही मन सोचा अरे कोई नहीं शहर का क्या? शाखा मस्त होनी चाहिए ।
दिल को मानते हुए चल दी पैदल पास ही पूंछताछ करने के बाद गंतव्य स्थान पहुँचे ।
शाखा में एंट्री, मानो जैसे खुद को
Read 14 tweets
As of 03 Sept 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,61,017.68 crore, of which Rs 1,13,713.15 crore has already been disbursed. Here is the break-up:
#AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 78,067.21 crore, of which Rs 62,025.79 crore has been disbursed as of 03 Sept 2020. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 24 Aug 2020, there is an increase of Rs 5,022.06 crore in the cumulative amount of loans sanctioned & an increase of Rs 7,786.16 crore in the cumulative amount of loans disbursed by both #PSBs and private sector banks combined as on 03 Sept 2020. #AatmaNirbharBharat
Read 3 tweets
As of 24 Aug 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,55,995.62 crore, of which Rs 1,05,926.99 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 76,765.18 crore, of which Rs 58,230.01 crore has been disbursed as of 24 Aug 2020. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 18 Aug 2020, there is an increase of Rs 5,236.17 crore in the cumulative amount of loans sanctioned & an increase of Rs 3,681.22 crore in the cumulative amount of loans disbursed by both #PSBs and private sector banks combined as on 24 Aug 2020. #AatmanirbharBharat
Read 3 tweets
As of 12 Aug 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,43,318.09 crore, of which Rs 98,665.93 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to 74,502.85 crore, of which Rs 54,677.11 crore has been disbursed as of 12 Aug 2020. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 03 Aug 2020, there is an increase of Rs 5,731.55 crore in the cumulative amount of loans sanctioned & an increase of Rs 6,551.93 crore in the cumulative amount of loans disbursed by both #PSBs and private sector banks combined as on 12 Aug 2020. #AatmanirbharBharat
Read 3 tweets
As of 03 Aug 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,37,586.54 crore, of which Rs 92,090.24 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 72,820.26 crore, of which Rs 52,013.73 crore has been disbursed as of 03 Aug 2020. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 23 July 2020, there is an increase of Rs 7,094.75 crore in the cumulative amount of loans sanctioned & an increase of Rs 10,025.23 crore in the cumulative amount of loans disbursed by both #PSBs and private sector banks combined as on 03 Aug 2020. #AatmanirbharBharat
Read 3 tweets
An event that slipped by quietly is,
#Moody’s upgrading #YesBank's long-term foreign&local currency deposit ratings,from Caa1 to B3

Foreign currency senior unsecured #MTN rating of #Yes,raised from (P)Caa1 to (P)B3

Rating upgrade,follows successful #FPO,where Yes raised 15000Cr
Surprising,how mainstream media that went hammer&tong at the @narendramodi govt,in March 2020,when #YesBank collapsed,thx to a fraudulent #RanaKapoor&his ilk,is silent today,post the brilliant recovery of #Yes,coming back on track

PSB,#SBI,is doing a good job in resurrecting Yes
A significantly improved #Solvency ratio,#Moodys said, "strengthens #YesBank’s resilience to potential asset quality risks from impact of economic slowdown& #coronavirus related disruptions"

Moody's also lauded Yes Bank’s funding&liquidity that moderately improved in June'20 qtr
Read 5 tweets
As of 23 July 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,30,491.79 crore, of which Rs 82,065.01 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 71,818.16 crore, of which Rs 47,631.41 crore has been disbursed as of July 23. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 20 July 2020, there is an increase of Rs 2,909.19 crore in the cumulative amount of loans sanctioned & an increase of Rs 4,451.95 crore in the cumulative amount of loans disbursed by both #PSBs and private sector banks combined as on 23 July 2020. #AatmanirbharBharat
Read 3 tweets
As of 20 July 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,27,582.60 crore, of which Rs 77,613.06 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 70,894.59 crore, of which Rs 45,797.29 crore has been disbursed as of July 20. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 15 July 2020, there is an increase of Rs 4,237.44 crore in the cumulative amount of loans sanctioned & an increase of Rs 9,301.51 crore in the cumulative amount of loans disbursed, by both #PSBs and private sector banks combined as on 20 July 2020. #AatmaNirbharBharat
Read 3 tweets
As of 15 July 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,23,345.16 crore, of which Rs 68,311.55 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 69,135.19 crore, of which Rs 41,819.19 crore has been disbursed as of July 15. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 9 July 2020, there is an increase of Rs 3,245.79 crore in the cumulative amount of loans sanctioned & an increase of Rs 6,323.65 crore in the cumulative amount of loans disbursed, by both #PSBs and private sector banks combined as on 15 July 2020. #AatmanirbharBharat
Read 3 tweets
The Partial Credit Guarantee Scheme (PCGS) was revamped under the #AatmanirbharBharat Package to support the liability side of NBFCs by providing a 20% portfolio guarantee to Public Sector Banks for the purchase of Bonds/Commercial Papers rated AA and below issued by NBFCs.
As of 10 July 2020, under the extended PCGS, #PSBs have approved for purchase Bonds/Commercial Papers issued by 67 NBFCs amounting to Rs 14,667 crore, of which Rs 6,845 crore is for Bonds/CPs rated below AA, providing liquidity support to NBFCs with lower rated Bonds/CPs. Image
Further, the purchase of Bonds/Commercial Papers of Rs 6,125 crore, including Rs 5,550 crore of Bonds/Commercial Papers rated below AA, is currently under various stages of approval/at negotiation stage.
Read 3 tweets
As of 9 July 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,20,099.37 crore, of which Rs 61,987.90 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 68,145.40 crore, of which Rs 38,372.88 crore has been disbursed as of July 9. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 4 July 2020, there is an increase of Rs 5,596.79 crore in the cumulative amount of loans sanctioned and an increase of Rs 5,896.72 crore in the cumulative amount of loans disbursed, by both #PSBs and private sector banks combined as on 9 July 2020. #AatmanirbharBharat
Read 3 tweets
As of 4 July 2020, the total amount sanctioned under the 100% Emergency Credit Line Guarantee Scheme by #PSBs and private banks stands at Rs 1,14,502.58 crore, of which Rs 56,091.18 crore has already been disbursed. Here is the break-up: #AatmanirbharBharat #MSMEs Image
Under the 100% ECLGS, the loan amounts sanctioned by Public Sector Banks increased to Rs 65,863.63 crore, of which Rs 35,575.48 crore has been disbursed as of July 4. Here are the bank-wise & State-wise details: #AatmanirbharBharat #MSMEs ImageImage
Compared to 1 July 2020, there is an increase of Rs 4,158.51 crore in the cumulative amount of loans sanctioned and an increase of Rs 3,835.65 crore in the cumulative amount of loans disbursed, by both #PSBs and private sector banks combined as on 4 July 2020.
Read 3 tweets
1482 #UrbanCooperativeBanks&58 multi State Co-op Banks,to come under #RBI control now💪

#PMCBank crisis was partly due to multi-tier regulation,as seen below

Direct Supervision by RBI is a bold move-@narendramodi govt buries yet another jaded,#NehruvianRelic that fed corruption
Cooperative banks came partially under RBI in 1966 but faced problem of multiple regulation

Registrar of Cooperative Societies(RCS)is in control of management elections& administrative issues

Today's #CabinetApproval to bring #CooperativeBanks under #RBI is,therefore historic💪
Despite changes in 1966,in spirit,most #CooperativeBanks, operated as per Cooperative SocietiesAct,1955

#BankNationalisation in 1969,by #IndiraGandhi,compounded the banking-bureaucracy-politico,nexus

It took a @narendramodi,to finally rid #CooperativeBanks,from greedy #Babudom
Read 7 tweets

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