A NOTE ON SALARY PACKAGE OF BANK OFFICERS
(Submitted to the Finance Secretary, Government of
"We furnish below the Performance indicators of Public Sector Banks, as on date of last salary revision (2002). due date of salary revision (2007) and present (2009)
( Rs.in Crs.)
| | 2002 | 2007 | % increase | 2009 | % % increase |
| Deposits | 9,68,749 | 19,94,199 | 105.80 | 31,12,748 | 221.31 |
| Advances | 4,80,680 | 14,40,146 | 199.60 | 22.60,155 | 370.19 |
| Total Business | 14,49,429 | 34,34,345 | 136.94 | 53,12.903 | 270.69 |
| Net Profit | 8,302 | 20,398 | 145.69 | 34,319 | 313-38 |
| Business/ Employees | 1.92 | 7 .55 | 290.22 | 11.37 | 492.18 |
You will please observe that in all parameters be it business, profitability or productivity the Banks have performed exceeding well.
* Prior to 1979, Bank Officers salary was batter than that of the Group 'A' officers of Govt. of India. Class I officers Basic Pay was at Rs. 450/- per month where as Bank Officers Basic Pay was at Rs. 500/- per month with a difference of Rs.50/- per month-
* On account of Pillai Committee Recommendations during 1979. Bank officers, Basic Pay was fixed at Rs. 700/- per month at par with class I officers of Govt. of
* fourth Pay Commission fixed Rs. 2200/- per month Basic Pay for class I officers where as for Bank Officers it was at Rs. 2100/- per month.
* Fifth Pay Commission Scales, further widened the gap between Govt. Officers and Bank officers scales by Rs. 900/- per month. Govt Officers scale was at Rs. 8000/- per month whereas Bank officers scale was fixed at Rs. 7100/- per month.
;
°
· In 2004. 50% of D.A was merged with Basic Pay for Govt. Officers and Basic Pay 'was raised to Rs. 12500/- per month. Whereas for Bank Offices w.e.f. 1-11-2002 Basic Pay was at Rs. 10,000/- per month with a difference of Rs. 2500/. per month. In addition for Govt. Officer HRA was at 30% of Basic Pay in Metros as compared to 9% paid to Bank Employees.
· As on 1-1-2006. as per 6th Pay Commission Recommendations, Govt. officers. Basic Pay is fixed at Rs. 15,600/- with Grade Pay of Rs. 5,400/- totaling Rs. 21,.000/- The HRA for Govt. Officer was retained at 30% of Basic Pay whereas for Bank officers, it is at maximum 8.5% of Basic Pay.
;
* With present offer of 17.5% wage increase for Bank Staff, w.e.f.. 1-11-2007. Bank officers scales would at best be at Rs. 14,000/- per month as against pay scale of class I officers at Rs. 21,000/- (includes grade pay) thus further widening of the gap by Rs. 7,000/- per month in Basic Pay between Govt. and Bank officers
* Out of 17.5% wage increase offered by the IBA, Rs. 1,800/- crores will go towards 2nd option of Pension and incremental cost on Pension and remaining amount is not sufficient to construct scales of Bank officers above Rs. 14,000/- per month.
* Even in next wage revision for Banks. due from 1-11-2012 the gap between Govt. and Bank officers may not be wiped out.
* A minimum salary increase of 30% to 40% is ensured to .Public Sector undertakings, UGC Staff etc. In tune with 6th Pay Commission Recommendations.
* In SBI, Superannuation Scheme will not ensure 50% of last drawn Basic Pay as pension. Commutation formula is also inferior. Those retired before 31-10-2002, are drawing Pension, based on' 1992 scales..
* The Gratuity ceiling of Rs. 3.5 lacs is not enhanced for Bank employees w.e.f.
1-1-2006.
* Bank officers have unlimited working hours with accountability sword hanging on the head even after retirement. As against 5 day working in Govt. Bank staff virtually works all 7 days with no compensation, undergo greater transferability and accountability.
* Bank officers are expected to match performance with professional in private sector. and they do, but are paid below municipal employees.
THAT BANK EMPLOYEES ARE IN A
I
Today a General Manager of Bank draws emoluments less than a Section Officer of the Government of India;
A Probationary Officer of Bank draws less than a Clerk in Government and
A Bank Clerk draws less than a Peon in Government.
Hence, we pray for Pay Scales at par with Group 'A' officers in Government in
HRA@ 30%."
Reproduced from SBI Officers's Association Website.
I
33 comments :
The note submitted to the Finance Secretary at this juncture is ridiculous.This should have been done before signing the MOU on 27.11.2009 and before deciding to withdraw the strike call.The present move will vitiate the signing of the Wage settlement as per MOU signed on 27/11/2009.It is difficult to understand as to why this calculations were not made before signing the MOU dated 27/11/2009
The note on salary package to officers,now reproduced ,has already been appeared on AIBOC web site long time back.Hence when it is sbmitted to Finane Ministry is the question?Before MOU date or after?
Submission of a note on salary package of Bank officers at this juncture is highly ridiculous.It is high time that we understand that Bank officers cannot be compared with I.A.S/I.F.S/I.P.S.
officers. Surely most of the
Civil servants of India are highly qualified and very brilliant also.
Till a few years back, Bank officers were getting salary somewhat on par with Class I Officers should not be taken for granted that this should continue for ever. The skill of the Civil servants in dealing with various aspects, their grasping power, their thinking and writing capacity deserve special mention. There may be some qualified officers in Banks too. Bank work is more or less a routine job. Perhaps there may be some risk factor in their job. Here also, those who seek parity in pay with IAS/IPS officers do not really understand that the risk factor of the civil servants is also so many times higher than that of Bank officers.
It is also necessary for the Bank officers to remember that it was mostly at that time when Bank officers were getting meagre contibutory provident fund that they were getting somewhat equal pay with IAS/ IFS officers whereas in the earlier days also these civil servants were getting good amount of monthly pension after retirement. So, can anyone boast about real parity?
Those Bank officers who plead for parity could definitely have gone for civil service competitive exam
and could have come out successful.
Ofcourse, this is a herculean task for most of them, I know. Many of the officers who are physically fit could also have thought about joining Indian military services as officers so that the fever of 'parity 'could not have arisen.
In short, in my opinion, Bank officers do not deserve to be paid
a salary on par with Govt of India/ State Govt Class I officers. When I say all these I am not conniving at he fact that Bank officers have to work atleast nine hours a day. On some holidays
including Sundays they may have to work. For this they are already getting extra money. Their grievances need to be settled by providing more officers at the branches, increasing the quantum of money that is being given for late sitting, giving incentives
for better performances etc., That is enough.
WE COULD NOT UNDERSTAND WHY THIS JUNCTURE THEY HAVE SUBMITTED SUCH A SALARY PACKAGE. IT IS ONLY AN EYE WASH. AGAIN CB ON MOU
Krishnaiyer's views-February 9, 2010 12:48 PM is far from truth and without verifying the facts.Let him show the extra money any official getting for working beyond the stipulated working hours of 36 and 1/2 hours per week in any bank.Further his statement that the Bank work is more or less a routine job is nothing but ignorance.Officers are working more than 12 hours per day including holidays and Sundays in some banks and they are equally competent enough to take up any competitive examination and get through.No bank officer will agree to his views.
Mr.Krishnaiyer,most of the people joint civil services not for salary and if you look at their package,it some times goes in crores if you include perk value of facilities.So non of the other service can claim or dream it.This is the legacy provided by British raj.If British would have ruled through the Banks,then Bankers would have also got the same status and Banks would have also attracted same kind of talent.
For your information IAS are also not being paid Right salary.
Here the question of respectable pay.
You think a P.O.is below a nursury teacher/LDC/UDC who do not have any responsibility and PO is relegated below that. Here Bankers are expressing their views based on parity derived by Pillai committee appointed by GOI and a valid document,which reduced our salaries to the level of GOI Group A Officers.
You have classified Banking job as a routine job,which is not correct.
The Banking is the vital cog in the growth of the country.
1.It has to provide a secure way of investment for the Public
2.It has to provide credit to productive sectors/household of the country.
There are no mean things and person handling these things is not paid well.it will be catastrophic at a point of time.
For an IAS/IPS Officers,he will be successful,if he is able to satisfy his Political bosses not the constitutional duties towards Public.This is being clearly expressed by Mr.Tharoor in his article.
Mr.Iyer it is the question of right pay aligned to the peers.
I have heard that there is an anomaly in computing CPI calculation since Jan 2001 and the same was corrected recently resulting substantial increase of DA in month of Aug 2009. The above mistake has resulted in substantial loss of DA and also pay fixation in the year 2002.The above mistake has to be corrected first in arriving the BP which is important for terminal benefits. Now UFBU should fight to get the arrears from 2001 onwards if the same is true. If any body knows better please inform/correct me.
The union leaders are not willing to compromise on levy & they will not finalase it before 5 year of last revision i.e. July 2010
One more scar made and displayed by the UFBU thinking that it acts as a solace to all. All these days nobody stopped them from announcing and observing- not cancelling at the 11th hour- strike call for an indefinite period.
Salary-wise and unlimited working hour-wise Bank Officers are hard hit. With hiked pay also, the better and highly paid offices cannot freed from under the table dealings and as well as accountability. Notable thing will be- one has to wait for the government official to look at you so that you can submit your words/appl etc.
Nobody can be blamed for the present state of Bank officers/workmen- it the unions. There are wide spread comments about the manner in which struggle has not been done inspite of complete strength thrown behind them. There is no updation of information on the outcome of talks that should have held on 08.02.10- not a word, why there is no progress.
I think there will be one allonge type MoU that MoU of 27.11.2009 will be implemented when the final outcome is agreed upon by IBA
There is no mention about who(UBFU, AIBOC OR SBI ASSOCIATION) and when(BEFORE 27.11 OR AFTER) this note was presented to finance ministry.
many represenations are used to be presented by these bodies from time to time and without necesary follow up.
Both IBA an Union leaders are in hands in glove.Union leaders wants that bankers should become so desparate that lastly they make up what ever is coming let it come and there would have been under hand dealing too, god knows. No transparency, no accountability for nion leaders.
IDBI had already come out of wage negotiation with IBA and three days back officers of IDBI have got approx 40% jump in their salary. What non-sense getting around 13%(not 17%) and delay by delay.It is high time Bankers should demand no wage negotiation at least not with IBA. And there should be disparity with other banks(vis-a-vis to SBI)that too if negotaiation is under the umbrella of IBA. Let evry bank pay as per their capability. Both IBA and Unions wants bankers should be made more and more desparate.
OM NAMO NARAYANA
OM NAMASIVAYA
OM MAHALAKSHMI THUNAI
HARE RAMA HARE KRISHNA
SRI RAMAJAYAM ETC
IF YOU WRITE REPEATEDLY THE ABOVE NAMES WE MAY GET SOME PUNYAM AND PEACEFUL MIND.
NO USE OF UFBU. THEY ARE VERY MUCH HAND IN GLOVE WITH IBA/GOVT. UNION KUDUMI IS IN IBA S HAND.
BANKING INDUSTRY WILL GET DEFINITELY RUINED IN THE YEARS TO COME.IT IS OUR SIN DURING LAST JENMAM TO HAVE SUCH TYPE OF WORST UNION LEADERS /IBA TEAM. GOD WILL NOT FORGIVE THE PERSONS WHO ARE RESPONSIBLE AND ALL OUR CURSES
WILL DEFIBNITELY GOING TO AFFECT THEM
KBALASUBRAMANIAN
Referring Krishnaiyer 9, 2010 12:48 PM:
No doubt Indian Administrative Service is the No-1 government service, associate with best talents; but not all jobs available through this exam are.For example, 'Indian Railway Traffic Service' , Indian Postal Service , Group-B Allied jobs which, one has to get through the same rigorous preparation of IAS, are far behind of RBI Grade-B or SBI PO in competitive market in our country. Even another job Indian Economic & Statistical Service does not fetch much importance though being a group-A service.
Thanks.
The note which is to be submitted in 2007 appeared now.This is nothing but preparing the bank employees psychologically that nothing is coming or a meagre pay hike to all of them.When or how should we get rid of this leadership who have less bargaining power.
suryanarayana
Mr Krishnaiyer ji
Your assumption that IAS/IPS/IRS and Govt Class I Officer are more brilliant do not have any fact/factual evidence. You can only say that they are more laborious as the syllabus of these exams is more broader and detailed than PO exams. The section of UPSC exam, which verfifies the IQ is not known to me, kindly inform me.
Their writing power may be better than POs on a general basis ( and not necessarily on a one to one basis) but is this the criteria why they should get more? Consider the writing skills of Bank GM/CGM/ ED/Chairman (who are Bank POs-more often than not) and an IAS/IRS/IFS official after 20 years. Can you say with guarantee that all of the above Govt- Class I officer can write better than their couterparts in Banks. You will understand the truth.
It can be verified from the last 10 years UPSC results that most of the qualified candidates (including IAS/IPS/IRS) are graduate , hence it is wrong that they are highly qualified.
I also request you to kindly provide me the basis of your assumption that Bank officers are compensation for working on Sundays and more than 9-10 hrs per day for 7 days.
Our FM Shri P Mukherjee, once referred to Shri O P Bhatt as a person who manager portfolio size higher than the Country's GDP. This is only one Bank, SBI. Take into account all the nationalised Banks and you will understand the importance of Banking Services.
The economic growth that our country has achieved in the last 63 years of independence is fuelled by us. We have year after year provided credit to Rural Poor & written them off ( and these Class I officers will take credit for economic developement of their Districts/ States etc ). Same is the case with industry , housing, any sector you name and our contribution is paramount.
Please tell me the risk of a Class I Govt officer. Check the no of corrupt officials in Govt offices vis a vis Banks and you will know which group deserves better pay.
Yes, you can say that promotee officers may not be that brilliant but they are backed by their rich experience ( which is more important than intellectual brilliance in any sector), and they therefore cannot be termed as less deserving. I take this opportunity to inform you that these officers have gone to become Chairman and have run the Bank profitably.
Our clerical/ Wookmen employee work for 39 hrs/week minimum. Some of your so called Class I Govt Officers even work that much. This apart from taking monetary risk for every shortage/excess due to rush/for providing quick customer service.
Tell me one district in India where there is no crime, we can take pride in informing you that we have succeeded in our attempt in 100% financial inclusion in some village/ Panchayets/ District. This is our devotion to the cause of the nation.
Please therefore, do not feel that Class I Govt Officers are better than us in any manner, whatsoever.
To All-
You might have come across with customers/public/government staff who have a wrong opinion that officers sitting in banks after office hours are getting extra money.They are unaware that no officer is eligible for any type of extra allowance or Overtime in any bank for sitting late.They are forced to sit late in order to complete the day's work which is beyond their control.Public is also not aware that Overtime in the banking industry was abolished about 25 years back when Sri Janardhan Poojary was handling finance portfolio.
Some people are foolishly asking whether employees are working overtime in banks.In some banks officers are being cautioned that they may be shunted from their present place if they do not sit beyond office hours.Undoubtedly officers are put to mental pressure.Even privilege leave and Sick leaves are lapsing more than hundreds of days.But no union took this matter till date with the managements and fought for fixing working hours and encashment of leave declined by the managements.
It is a known fact that persons required to work mentally should not work more than six and a half hours per day and they should have weekly off. Officer's service regulation says that an officer can be called for duty during any time of the day. That means no officer is required to work during nights.Further an officer who happen to come early, can leave the office after 6 and 1/2 hours. But no union has taken this matter in the right spirit.
We are responsible for this situation. It is the lust of promotion & posting which has ruined our financial & social status in society . Those bankers who are not part of this trap are working less than 5 hrs per day , doing side business, enjoing family life & are happy with present salary. Pls find one at your office & followe him/her.
The aspect & problem of SBI and nationalised banks are different to each other. So what's the necessity to sit altogether for a joint wage negotiation? SBI should go in the line of a separate wage revision like RBI, LIC etc. What's the wrong in it? But sitting along with Nationalised Banks with an aim & object to derive a bench mark, in order to proceed further for a separate improved wage negotiation at bank level, in noway appreciated for SBI unions.
Union leaders in SBI are misleading their members that SBI pension will be in vogue even after 01/04/2010. But be sure, NPS will be introduced in all financial institutions along with RBI, LIC etc from 01/04/2010 for new recruitees as per the guideline of GOI.No one can differ it.
Thanks.
Government officials verses bank officials.
Sri S M Krishna, Erstwhile Chief Minister of Karnataka once called for a meeting of all top bureaucrat officials and sought their opinion as to how to improve water distribution system in Bangalore City.One brilliant IAS officer suggested that releasing of water can be curtailed from the present once in 3 days to once in 2 days.
Immediately the Chief Minister said.
"With this type of officials,we have to run the government.When I am seeking suggestion as to how to IMPROVE availability of water to public so that they get more water, our officials are suggesting to curtail even what is provided to them now"
This speaks the mental level of bureaucrats who are QUALIFIED.
Further, a comparative study will reveal the facts about the level of lavish spending by bureaucrats and government officials who are supposed to be public servants and that of bank officials. While a bank official is struggling to own one small house or flat in cities after serving the bank for more than 20 to 30 years,we are seeing in news papers about government officials owning multistory complexes in cities within 10 to 15 years of service.
WE DO NOT WANT THAT TYPE OF LUXURY LIFE EVEN IF OFFERED.What we want is honorable and reasonable reward for our hard work which is in no way less than that of government officials.
BLOG MEMBERS' INFORMATION:
Visit Weblink of 'STATE BANK OF INDIA STAFF ASSOCIATION'
http://sbisa.org/index.php
S.B.I.S.A. is the biggest constituent of All India State Bank of India Staff Federation”(A.I.S.B.I.S.F.), which is the apex Trade Union Organisation in State Bank of India.
At industry level, it is affiliated to the “National Confederation of Bank Employees” through A.I.S.B.I.S.F.
Thanks.
Now start to send E-mail
to UFBU:
chv.aibea@gmail.com
IBA:
webmaster@iba.org.in
Whether the note has been submitted ? If so, then please let us know its outcome and any further moves made by officers confederations.
It is a silly thought that bank POs are equivalent to IAS and IPS.
To understand the difference, one should be highly academically knowledgeable. Syllabus content of the entrance exam does not depict the courage, efficiency and responsibility required for the post.
An IAS/IPS/IFS officer helps running nation's administration while a bank PO can hardly manage his own department.
The power and responsibility enjoyed by IAS/IPS/IFS give her/him the sense of ownership.
And a Bank PO always suffers from dilution of ownership.
THERE IS A MAJOR GAP...
Referring munmun 12, 2010 7:19 PM:
Are you an IAS/IPS Officer? I guess Mr Amitav Mitra, esteem blog member of this blog, not seen for a very long period, takes rebirth in munmun. Am I right Sir?
Thanks.
SALARY STRUCTURE OF BANK EMPLOYEES VS GOVERNMENT EMPLOYEES
____________________________________________________________
K. Anandakumar Age: 49 years. Exp: 23 years.
General Secretary, Indian Overseas Bank Officers' Association &
Vice-President, All India Bank Officers' confederation
Peter Road Branch, Chennai
A myth has slowly gained ground that bank employees are paid inordinately high wages. While arriving at this opinion, there has been no attempt to compare the wages of bank employees with other comparable professions, chiefly those employed in government. A closer scrutiny would suggest that bank employees are, in fact, poorly paid, and not part of a high-wage island. In a perfect market, every factor of production gets its due share. But in reality, markets are unfair and imperfect. The stakes are loaded heavily against the working class; that explains the growing disparity between the capital-owning/top managerial class and the labour class, despite breathtaking GDP growth rates.
The disparity exists not just vis-À-vis labour and the managerial class, but also across categories of the labour class. The latter exists because “relativity” has not been maintained. There are two forms of relativity that need to be considered — internal relativity, which looks into whether the salary levels within the organization correspond to the organizational hierarchy; and external relativity, which deals with the relationship between the wages paid and the market wages.
GOVT EMPLOYEES FAVOURED
Prior to 1979, Group ‘A’ Officers of Central Government were earning less than bank officers. In 1979, the Pillai Committee was constituted to study the salary structures of bank officers and Group ‘A’ Officers of the Central Government and bring equity among various banks. The Committee observed that the functions and responsibilities of bank officers in the new set-up were comparable to those of Group ‘A’ Officers in the Central Government and suggested pay parity between them.
The Pillai Committee recommendations were implemented in banks with effect from July 1, 1979, and the pay scale of the lowest rung of officers in banks were equated with pay scales of the lowest rung of Group ‘A’ Officers of Central Government at Rs 700.The parity which was established by implementing the Pillai Committee Recommendations was distorted by subsequent Pay Commission revisions. In the Sixth Pay Commission, the wages of Group ‘A’ Officers zoomed past the bank officers’ wages. External relativity was given a quiet burial. It is quite appropriate to compare the salary of bank officers with Group ‘A’ Officers of the Central Government to ascertain whether bank officers constitute a high-wage island.
(Continued to next post)
(Continued from earlier post)
The basic pay according to the Fifth Pay Commission for Group ‘A’ Officers was Rs 8,000 and the corresponding pay for bank officers was Rs 7,100. But in the Sixth Pay Commission the basic pay for Group ‘A’ Officers of the Central Government went up to Rs 21,000 (basic pay Rs 15,600 + grade pay Rs 5,400) whereas the pre-revised basic pay of bank officers was only Rs 10,000. Between the Fifth and the Sixth Pay Commissions, the basic pay of Group ‘A’ Government officers went up by 162.5 per cent.
The gross salary of government officers was Rs 31,312, whereas the bank officer’s salary was only Rs 16,110. It can be seen that a bank officer draws a gross salary which is just 51.45 per cent of the gross salary of Group ‘A’ officers at the lowest rung. Even house rent allowance was paid at 30 per cent of basic pay for government officers, whereas bank officers were getting a maximum of 8.5 per cent in metros. The pre-revised salary of the bank clerk was Rs 6,600 as compared with the Central Government clerk’s salary of Rs 11,000. Many State Governments have adopted the Sixth Pay Commission Recommendations. A number of public sector undertakings have implemented the Pay Commission recommendations as a benchmark for their salary revision.
The government, public sector and private sector undertakings are paying high salaries to their entire workforce, with the exception of the banking sector. Given these facts, can bank officers and employees be described as belonging to an island of high wages?
MORE WORK, LESS PAY
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The business hours for the customers used to be four hours a day and working hours for the staff was seven hours with a 30-minute lunch break. To provide best customer service, the business hours have been increased to six hours, within the stipulated working hours of seven hours a day. After business hours, the bank staff need three to four hours to complete back-office work at the branch level, because of which the working hours for officers are practically extended to about 11 hours a day without any monetary compensation or increase in salary structure, whereas new generation private sector banks duly compensate the extended working hours in their salary packages. We have completed 40 years of bank nationalization, and we owe our gratitude to the then Prime Minister Indira Gandhi for taking the bold step. The country’s transformation since then is in no small measure due to the role played by nationalized banks.
We feel proud to work in nationalized banks and be part of the nation-building exercise.
We started with social banking but now have almost attained the standards of global banking. Yet, we are paid less than municipal wages. The need of the hour is to restore the pay parity with government employees and uphold external relativity as done by the Pillai Committee 30 years ago.
(Source: The above article written by K. Anandakumar (Vice-President, AIBOC) has appeared in Business Standard just before the wage revision talks held on 24/09/2009)
"WAGE REVISION-IMPORTANT REVIEW AND CONCERN"
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With reference to the Clerks, who shall be getting an allowances of Rs 1000/- per month for working on Computer, it has been termed as an allowance which shall be given alongwith some additional limited passing powers. WHY IS THIS SO????
The allowance so should be paid for working on Computers only and NOT for any passing power. In the past, the Clerk used to work on ledgers and now due to computerization the work load has increased and it is in favour of the bank. With a paltry amount, the potential work load shall be increased and even passing powers though limited shall pass the burden from the Officers to the Clerks who get a higher pay for doing the same work as their job role.
Thus Clerks should not be given any passing power but be treated as a computer allowance only. If additional power is given , then additional allowance be added toRs.1000/- at par with other computer operators. The UNION should take a careful note of this as once this Pandora box is opened in future all Clerks shall be doing Officers work and getting LOWER Clerk salary at their cost and benefit only to the Bank.
Thanks.
Very informative discussion.
No matter how and what a person argues in favour of bank officials.The fact remains that we the general public give high amount of respect to IAS/IPS officers because it is a known fact they are more learned and knowledgeable than bank officials.Every parents dream for there child to become IAS officers.Whereas bank jobs is the LAST option(if they dont get anything better).After all how many
IITans seek bank job?
Go and see the way some senior IAS/IPS officers speak in public interviews, where there are many bank officers who can't even speak a single worg in english language.
And we all know how public are dealing with bank managers these days.Even some of them are getting thrashed by the public.
And if any officer(even from state govt)come at there office,they just stand and give salute and try to coax them to open an account in their branch,to try to achieve their target set but higher authorities.
Finally i would like to say Civil service job is ROYAL job,whereas BANK job is LABOUR job.
And why don't you sit in competition and prove yourself and get nice post,instead of begging for salary hike all the time.
@Sourabh above...who the fucking hell are you ? how many banking exams have you cleared so far?if the public behave badly with bank employees its only because one cannot dare touch an IAS, they have a legal shield around them...if it were there to bank employees ask the public to show their guts in a bank branch.
I am M.tech(chemical) from IIT kanpur and got the job of General banking officer in bank of India..so what should I do go for this job or not..please give me suggestions..
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