My nineteen years interaction with The State Bank Of India , prompts me to do a research on its abnormal behaviour. The structural pattern of the bank , may look extremely solid and very strong, but in actuality is full of eccentric porous and very weak. The functional procedures ,may appear grand and highly disciplined, but in reality is flippant and extravagantly chaotic.
Pathology is a medical speciality.It consists of anatomical ,clinical, forensic, veterinary, and plant studies.The pathologists are physicians ,who diagnose and characterize disease in living patients by examining biopsies or body fluids.
State Bank’s pathology is a financial speciality. It considers the credit worthiness, background ,requirement, potentiality . capacity of the creditor. The appraisal officer , conducts a thorough survey of the intricate details and ratifies the proposal.This is the original worksheet and a normal spread out of any financial institution But State Bank has its own formulas. Anomalies and infringements creep in. The financial pathology undergoes a change. The identities reveal a catch. There is no thumb rule, in extending loan.The extension is lengthened to high flung industrialist. The limit is curtailed to humble upcoming entrepreneur. The imposition of regulations vary according to specific norms ,formatted by the Committee. No official takes up the responsibility for the alarming discrepancies. They place the claim on the committee.This proves to be a peculiar significance.
What is a committee? It is basically a group of people officially delegated to perform a function , such as investigating,considering, reporting or acting on a matter.The committee has on board ,human beings with life and blood. It does not comprise of demigods, who descend from the other world,who are unaware of the idiosyncrasies of the commercial and industrial genre.Unfortunately , the Committee behaves in a quixotic manner , completely irrelevant to the day to day progressions. It also succumbs to pressure and acts in a perplexing autocratic deviation
.Medical pathology facilitates treatment , by making a serious attempt to acquire knowledge related to human disease.
State Bank Of India’s pathology obstructs prosperity by creating a series of harassment to diffuse stoicism leading to cutomer’s extinction.
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