Mega Merger of Public Sector Banks, Merits and Demerits of merging 10 PSBs into four banks
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Dunno if anyone gives a damn but if you're stoned like me atm then you can watch all the new series on instaflixxer. Have been streaming with my gf for the last days :)
@Harrison Mathew Definitely, been watching on instaflixxer for since november myself :D
With reference to above vedio, being a PSB employee, i am clarifying some facts:
1) Nationalisation of banks was done so that banking services could penetrate into core india i.e. villages and should not remain confined to cities. Secondly, with govt. owning the banks, people feel their money secured. As i am working in a rural branch, i know this fact. Thirdly, the private sector banks are only worried about profit making. Their aim is "whether the ways are ethical or unethical, it doesn't mean. Just make profit." Finally, their will be lack of financial inclusion. More PSBs means more banks in rural areas. But when there is no share of govt., the main aim wil become profit making.
2) Mergers wouldn't mean like 20 staff at the place of 5 staff. My dear brother, the staff will remain same. The reason being that with mergers, the no. Of customers will not be affected much. It might be reduced by 5-10% but you can't expect more than that no. Of people having accounts in the banks who are merged together.
3)D Subbarao's words are just a piece of rubbish, not worthy to be published on a platform with more than 6 million subscribers. But Raghuram Rajan has shown a good way forward.
Thanks and regards
Hello sir, I want to know your opinion on number vacancies in PSB's. Will it be affected?
@@manojtidke2142 Yes, they will be affected. But you can't blame merger to be only reason for that. There are multiple reasons for it. Mergers will reduce jobs but only by 5-10%. Overall after a few years, the bo. Of vacancies in banks will reduce drastically due to some other reasons.
@@ankushsharma1221 thanks for the reply, sir.
Nationalization is an old concept and is now time to wrap it up and change course to strengthen Indian Economy.
(1) Reduce government stake in all PSU's including the PSU Banks to below 49%.
(2) Further liberalize the economy by (a) strengthening and increasing autonomy of regulatory bodies.
(b) Stop MSP's and farm loan waivers, it distorts the markets stoking inflation.
(c) Stop Mudra Loans, they would be the next source of NPA cycle.
(d) Stop loan subsidy under PMAY.
(e) Introduce FRDI bill and then introduce stringent bill for individual defaulters.
Thanks for your reply.... 👍👍👍
I would like to clarify a point that Lehman brothers and world crisis was due to systemic collapse of multiple checks and balances.
(1) Over exposure to synthetic CDO's
(2) Failure of rating agencies to transparently and fairly judge and rate the risks of the natural and synthetic CDO's.
(3) No barrier or hands off approach between trading, investment and banking business.
It's NOT the large size that made it go bankrupt but the ineffective corporate governance and lax regulator
It's more a political move. Why Bank of Maharashtra was not moves with any bank which runs on bancslink.
ho jaega is budget m baki bhi.. chill.
Sir Banks are severly understaffed organization. I'm working in one and it's eminent.
Are you serious..... psu banks are over staffed. Need to use automation, AI to rationalize jobs. Infact after merger personnel with overlapping skill sets should be asked to leave
See at HDFC bank.... how it beautifully leverages Information Technology to increase business per employee.
@@HardeepSingh-bh7zw ek HDFC air ek nationalised bank me difference smjhie......phir ye sentence kahiega....n rhi naat overstaff ki to sor door ke Dhol sbko suhaane lagte hain.......
I agree with you bro banks me staff ki kami hai tbhi to customers ko problem a rhi.meri city me sbi and pnb jaise banks me ek ek ghanta bhi line me lagna padta hai kyunki cashier hi ek hai pehle 3-4 cashier hote the ab sirf ek counter hota.dosri problem bahut jaldi transfers hoti hai north ke logon ko south me dhakel dete hain south valon ko north me sabko language problem hoti hai.jinko ghar jana hota unki jyada holidays leni pad jati hai jisse bank ki working affected hoti hai.dhire dhire ab ye govt banks ko force krenge ki.private banks ki tarah sales agent rkhiye jo jyada se jyada bank products bechen.
Thank you very much for your informative and educate IV video lecture grateful to you
but still frauds in SBI are highest nearby 1127 followed by PNB amounting to something 20,000 cr.
total frauds in PSB approx 2080.
Then what is the benefit of merger??
And Dr Raghuram Rajan should be reappointed as RBI governor because he has courage to say and do what is best for Indian economy.
@/S_/H_/U_/K_/R_/A_/Y_/E / true
Bhai ye bank merging ki Jagah "counter no. 4 se poocho " Wale system ko khatam karna chahiye tha..
Are bhai bank me sabka kam ek hi todhi hota hai agar uska domain alag hai toh voh apko durse counter par bhejega hi
@@shivanshbellamkonda6898 banker???
@@shubhamsaraswat7913 no
Merger jyada connectivity deta hai
@@shivanshbellamkonda6898 ok bro 🤜
Superb discussion, Sir. Thanks!!
3rd largest bank will be BOB not Canara bank. It will be 4th largest bank. Please do correction.
बैंकों के विलय के बाद सभी मंदिर मस्जिद चर्च और गुरुद्वारों को भी Merge कर देना चाहिए जिससे आपसी भाईचारा बना रहेगा और राम मंदिर और बाबरी मस्जिद मामला अपने आप हल हो जाएगा
Sapna.....🤔
Kya bat 👏👏🤲
Shi bola. ...
😂
Filled with So much knowledge
Thanx
Thanks Study iq team
Garda uda dihis....sir
I think there is same salary in every bank for a particular post except for sbi.
No.. the salary differs from bank to bank. Like m in union bank my salary is approx ₹1000 less than the salary of BOI staffs
Iss lecture ka wait tha
Thank u sir,nyc explaination..
👌👌👌👌👌👌👌👌
If there will be overstaff(so will be workload) ...everyone will be paid equally then how can it be considered as disguised unemployment..please reply
Some redundant jobs in the bank's will be merged into a single job....Since they are merged now more people will be doing the same job ..So it s a kind of disguised unemployment
Sir, the banks which are merged together say small in big bank. In these banks vacancies are expected in coming months or more because it didn't came last year. Instead of vacancies they can us the staff of merged bank. Can this also be a good reason?
Bhai kuch points aapne jo Advantage btaye unhe hi disadvantage bta diye
Ok sir u r explaining PSBs with less research I think. PSBs are there to infuse feelings among common people that your money is safe, in rural areas people don't want anything extra they just want that their money should be safe and they should have their money whenever they wants, but if merger is only option then I think people will lose confidence because their bank in which they have accounts are no longer in existence, this is not good step for rural India. I m working in bank of India, I know the ground reality. Please do some research that what will happen to rural areas after merger. There is no redundant posts in PSB infact there is huge staff shortages.
Sir bht acha laga
sir ek playlist bna dijia apke videos ka
Thank u sir
Apko research asse se karna sahiya. NPA, wage disparity etc galta batya he
SBI ka atm leke hdfc se withdraw krna pdta hai..bullshit service of psu banks will not last now
Thank u sir for providing both aspects of merger of banks👍
khud hi bol rahe ho sir financial inclusion and geographic reach increase hogi aur sath hi ye bhi ki decentralization decrease ho jayegi...samajh nahi aai ye bat
I think after working on the unemployment problems in india... The govt. Should think about the banking issues.....
Meger ke topic me privatisation ghusa diya sir aapne.aap pdha rhe ho merger aur last me D. Subbarao sir aur Raghuram Rajan sir ke views batye jo bank privatisation pe k lge jiska aapne mention hi nhi kiya both are interlinked but different aspects
Disclaimer - This is just my opinion baki aap logo ki marzi👍
DNNAYVAAD SIR APKA
Ty sir🔥🔥🔥
ये मोदी 2 crore लोगो ko जॉब देनेवाला था balki अब ये 2 crore लोगो को jobless कर के ही rahega,,, har har मोदी
Tumhare maa baap ne bhi tumhe paida karke galti ki naa samjho... Mai modi ko mahan ni bolta par naukri jaane ka karan modi ni kuch or hoga... Research karke muh khola karo....
Ye sunn ke acha lga ki employees ki job nhi jaegi.....Sir kya aap bta sakte hai ki Humari govt. FCI (Food Corporation of India) ko coming future me privatise karne wali hai???.... Agar FCI ka privatisation hota hai to kya Current employees ki job rahegi ya nhi?...Plz sir batayiye mein bhi FCI me working hu lekin aajkal ye har chiz ka privatisation ho rha hai to bohot dar lag rha hai meri job ka.....🙏🙏🙏🙏
Dony worry. Do ur job.
@@abinashbabul7930 bhai kuch to btao
Job rehega BHAI don't worry
Agar sarkar nayi branches khole towns aur villages me to jo ek fear hai job losses ka wo kam ho jayega.
Banks ko pvt krdo.. KyA idea h governors Ka🙄😣
Raghuram Rajan is best.
First privatise SBI.
Rbi ko bhi Pvt kro
How contradictory abolishing of high designation but no job loss to pkka demotion hoga or expertise ko to jrur bulayengey🤣🤣🤣
Sir please make video on warren buffet biography
Before merging govt should solve others problems . .. if any bigger bank faces same problem like yes bank then it will be a aconomic disaster for our nation .....
Daily current affairs???
De-marits are grater than merits for public ...
Har har modi, har ghar modi, unemployment, unemployment, unemployment, unemployment
Gudiya Kumari hii gudiya jii ,,app बहुत garm हो गई हो,,,
governers in comment section
Disadvantages ke possible jyada ha🙏🙏🙏🙏🙏🙏🙏😭😭😭
Privatisation was better option.
If anyone have doubt then see Bank Rankings.
Help in unemployment,,,,,,,,
बैंको के विलय से पूँजी पतियों को लाभ पहुंचाने का ओर देशदोहीयो अपराधी किस्म के लोगोंको वचाना है।गोपाल सबरूप जोशी इलाहाबाद सत्य जीबन का आधार है ।