आज आप लोगों को जबरदस्त बोर करने का मन कर रहा है
Some of the problems faced by Bankers

1. Aadhar is not mandatory for Bank Account opening but it is must to avail all government social schemes and all government benefits are passed through bank accounts
Every person has Bank accounts in 2-3 Banks and availing different govt benefits in different accounts
Once customer seed Aadhar in one Bank, his Aadhar number from previous bank account will be deleted by NCPI
This make customers to visit branch again and again and staff
have to seed number in Bank account every time.
This not only increase work load of staff but also develop acrimony between staff and customers

2. There are cases of name mismatch of customer in different documents
While opening a bank account or any other bank services onus
remains on staff to accept documents of customer bearing different name. If staff resist, customer make a scene

3. Farmers come up with the complain that they have not availed a loan or have repaid long ago but still Land is mortgaged in bank’s name.
Though it all happens due to negligence of revenue officials but farmers insist on this being fault of bank

4. Crop insurance by bank branch is a losing proposition for bank. Though companies pay meagre commission upto 4% of total premium but it’s just a drop in sea compared to
mammoth task of deducting premium, granting TOD where sufficient amount is not available in KCC accounts, collecting Aadhar, matching name in account and aadhar, uploading data on government portal which run on snail pace. This portal has a lot of problems besides its speed
like non availability of required data like name of village and crops etc
Insurance company skip all its responsibilities with help of government and in case of crop failure or non receipt of claims farmers rush to bank branch
There is no official available of insurance company
at any level so farmers let loose their frustrations on branch staff

5. There are plethora of state and central government staff still bank staff is allocated election duty

6. Every one right from customers to patwari to SHO to District collector can issue order to bank,
even verbal order too, but no one is there to protect bank staff when they are thrashed beaten murdered.

7. Banking industry is more than 100 years old and since then banks have issued numbers of guidelines. But staff is expected to be well versed with each and every
guidelines of 100 years on very first day of job

8. While staff have to follow every law of district state and central authorities along with all guidelines of bank, we literally don’t know on what basis salary of bank staff is calculated,
What is IBA the negotiating body,
it’s status whether it’s a government body or what

9. Bank branches are in remote areas with scant transportation facilities. Staff face difficulty in finding accommodation and have to keep family at separate locations

10. People share their important account and ATM details,
within family, siblings and friends. though at initial stage they deny it. But when matter is escalated and camera recording is shown to them, then only they admit. In want of easy money people fall victims to culprits like lottery etc. and staff have to bear their frustration
11. People can easily learn functions of new smart phone but to draw money from ATM take help of unknown person and get cheated and then yell at staff, as if it's all fault of staff.
Oh dear people, give some space to bank staff so they can breathe. They are gasping for air

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