The Big Picture - Road Ahead for Public Sector Banks

[@DhruvVarshney28]

One suggestion to you RSTV. Ask other members who are not speaking to Mute their mics so that the one who is speaking can be heard clearly and irritation is somewhat lesser.

[@udayviruppal3730]

Privatise RSTV because it wouldn't improve the sound quality

[@ashishjha2323]

While comparing the failure of YES Bank and any PSB Mr. Bhattacharjee said about the YES BANK that it is not the failure of public money 😂 while in PSB we need public money to bail out. For your kind information the financial institutions came to (or forced to) bail out the YES BANK were SBI and LIC and Both are public sector institutions. So eventually public money is only used in either way. If we talk about growing NPA's in Nationalised Banks then (1) it is purely bcaz of the Ruling parties in govt who force banks for granting loans to their big businessman friends and eventually when it turns into bad loans blame the Bank. (2) In every election political parties make promises if they come into the govt they will waive off all the agriculture loans or MSME loans or education loans which creates a negative impact on the repayment of loans. In this way even many people who are properly repaying or have the capacity to repay feel like why should they repay if Govt is telling not to do so. Till the govt will not solve these issues NPA'S will be rising only.

[@JoeJoseph79]

Guessing by the analysis you must be a upsc aspirant

[@brajeshsingh2391]

good point. The issue here is nobody is talking about RBI's accountability and functions. RBI is the regulator of banks in the country. Inherently there are actually there are enough checks and balances in the system to ensure that banks do not fail. And if they start failing then the regulator has enough time to respond to ensure safety of depositors money. First is Tier I Capital ratio which as per RBI norms must be at 8% of banks deposits. That means banks must have 8% in perpetual bonds. This money cannot touched by banks under circumstances. Then there is Tier II Capital. This again is form of long term bonds. As RBI norms Tier I and Tier II Capital combined ratio must be 12.5 %. Which means as per law banks must have 12.5% CAR or CRAR i.e. combined Reserves and Ratios of bank deposits. Then there is Tier III capital which banks must keep to ensure that they have reserves to cover for NPAif they do not make adequate profits in the quarter or the financial year. Then there is Cash Reserve Ratio, i.e. banks must keep a fixed percentage of their total deposits in cash with other banks and RBI. And finally there is Statutory Liquidity Ratio which means a percentage of total deposits made with the bank in a day on average must be kept in liquid assets, i.e. government securities etc which can easily be liquidated. And this is greater than 100. So if on a average 100 rupees in deposited with a bank in total , a greater amount has to be in liquids assets. Even then we saw Yes Bank and LVB case. Not to mention annual audit by the RBI. What was RBI doing ?

[@rajeev7784]

Mr. Ajay's voice quality kept me reminding that he is representing govt. Of India

[@La_Sa_95]

A very relevant topic of discussion, ruined by the lack of clarity of the audio. Sad.

[@Navin129]

That happens in almost all of their discussions!

[@Sandy_ch7]

tell someone at background to stop sucking the almost empty glass with straw..its soooooooooooooooooooo annoying.... couldn't even understand what mr.ajay shankar said

[@anonymous_channel]

I was gonna comment the same thing lol did not understand even a single thing by Mr.Ajay Shankar.

[@Sandy_ch7]

idk if they will notice it now since it has already been uploaded

[@skannama]

😁😁😆

[@pankajsingh6921]

Yeah exactly

[@AmitSoni-xh6ub]

😅

[@Rahulpriye]

Firstly,l request RSTV to please sort out the sound issue it's really very irritating...We know video conferencing is little difficult without any hiccups but the extra background sounds & the issue of keeping the mic near mouth can be solved.This is something we have been telling since the last couple of months.... Secondly, regarding Bank, it's not the money which keeps it going but the people's trust & putting the cap of 5 lakhs assured insurance is according to my view is absurd.l mean after all it's the peoples money.People deposit money cause they think it is safe & laws are made to protect those money & if in any case something goes wrong then it should be the banks responsibility to insured the full money to the depositors instead of 5 lakhs only.

[@aveshamin2720]

Appreciable n commendable but synchronically must to mention about degraded sound quality that irks n disgruntle

[@vivekmishra2]

Privatization is not good at all. This is not good idea for the govt. It is demotivating bankers as well as public. Even PO aspirants are demotivated

[@ishani5171]

@dd haven't posted summary of the debate?? I am eagerly looking for it

[@indrapraveen2687]

Why can't we privatise govt also.. if govt feels psu are ineffective/lazy. They selling BPCL, air india, Concor, Bhel etc..

[@ashishjha2323]

Mrs. Sharma correctly put the points. Agree with all those points.

[@sakshijain1683]

Due to sound problem we miss some important issue discussion plzz fix it asap

[@RatneshPandey1]

Does 'Commercial Principal' as quoted by Mr. Shubhomoy means there should be bank only for those who are bankable? Will poors will be marginalized?

[@viks599]

My meta comments on discussion : - Tax payers money is also the Tax paid by corporations and banks - Every business (private or public) run in a country is partly owned by Government, that is why corporates pays tax to government - So when a corporate bankrupts it is governments obligation as the main stake holder to wipe off the debt (because it has already been paid by that entity in form of tax) - To say that "tax payers money" should not be used to "bail big banks" is myopic. If a bank which can go under has risk of disrupting trust in banking system then Government should save it.

[@ritudhull2876]

Madam high NPA is due to political interference and approach not due to bank

[@Navin129]

Agreed! Have seen it during my small stint in banking.

[@persevere0605]

Correct working as a banker iam seeing the wrong government policies and their wrong targets

[@chetanmali164]

Thousands of students are preparing for psb examination, then what about their future?

[@adxmalad4675]

@rakesh ranjan 👍 Being an IAS apirant I can't be anti government...but what government expecting from private players why it can't be done by government players too....In that case our government is not performing since independence should parliament is also privatised 😎🙏

[@JoeJoseph79]

@@adxmalad4675 😂😂

[@ishani5171]

Severe sound problem plss fix it

[@abhaysharma4517]

Thank you RSTV,The big picture for this information. :)

[@paruh1921]

Tq u sir excellent discussion( sir Ajay sir en helatidare I don't know swalp gottagatide bt yall clear ell) plz improve sound nanna phone hattara all sound ettidini bt kelasatilla

[@anandkangulwar5136]

Nice nice nice mam good decision thank you so much for your decision for better future for India

[@kamansingh3557]

Please fix d sounds problem we lose a major part of d discussion due to this, there has been a persistent sound issue and it has not been fixed, so plz look into it

[@poojajaiswal5887]

Very relevant topic from exams n essay writing. Thank you for picking this one.

[@aloksinha2915]

Road ahead is not only for Banks but for poor people of India by selling banks stakes in the market. India is country where 70% of people are poor or near to poor. That's why nationalisation of bank is the backbone of livelihood of medim and poor people.

[@abhinavsinha1452]

RSTV sound quality is really bad from last 3 days that i m watching

[@dharmanaharishnaidu]

It’s the sound of an old ceiling Fan . It’s really annoying 😬

[@worldcitizen9518]

Lol.... U spoke my mind...

[@fighter6768]

Yes, u r right discussion always fruitful on here but from last some months corona has stolen RSTV's audio quality 🤣

[@rishabhsingh2377]

congrats rstv for conducting your first underwater debate... all the time having voice of fish aquarium filter...plz fix this

[@sanjana329]

Can't really understand what AJAY SHANKAR sir said coz of audio quality...😔

[@pukhrajprajapat760]

well after discussion u have also concluded very rightly frank sir...thanks for additional addition of the concluding line........

[@bikramkumar3923]

Thanks Rstv☺

[@kidduvideos]

Most of the PSBs are in profit. With some improvements in customer service, i think we should go ahead with public sector banks. And if required merger can be an option but privatisation is a big no. No one knows when a private bank is going the way YES Bank and IHFL went.

[@akashpatekar2768]

Thanks rstv...but please improve the sound quality..

[@piyushpant3382]

Thank you Rstv 👍

[@aryanbihar]

*Thank you RSTV!*

[@ranjanasinghrathore6870]

Sir plz improve sound...its difficult to understand

[@RAJATKumar-gs4fc]

What about the employee of Gov banks after 26%

[@ravindrakhushal3005]

Please work on audio quality sir, try to tell your panelists to use earphones and turn off their mics while not speaking, or give them a 5-10 min e-workshop prior the debate.

[@AbhishekSingh-wr9sz]

Please brief your panelists regarding sound problem... First of all sought out sound problem then after focus on news discussion...

[@jagannathprasadbarik7084]

Please fix sound quality..

[@abhishekbhardwaj9254]

With due respect , government officials have a habit of stretching everything without any need.. can't they stick to the point 😑

[@Navin129]

It seems the consistency in poor audio quality is the USP of this show which would never go away! 👎

[@SudipBanerjee]

First privatize inefficient Rajyasabha TV (RStv) for poor Audio quality.......👍👍👍👍

[@medtalks132]

God who is drinking cola from empty can ... STOP IT PLEASE 🙏🏻

[@alokgupta7239]

hahahahahahah

[@pankajsingh6921]

Background noice in sound kindly improve it

[@abhinavbgs98]

Sound problem

[@upsccseuppcs4945]

Thanks RSTV :)

[@adxmalad4675]

Such a good sound quality that instead of listening debate m reading comments 😎🤠😭

[@kirannarayan231]

Try not to complain anything about ,Coz they are trying hard to provide best service as much as they can.. Be patient...everything will be fine ☺

[@arunmathews1350]

Dear Rstv if you are not going to fix the sound issue we will ask Nirmala ji to privatise this thing as well..

[@sobhas94]

Bro ,😂😂

[@saiteja4782]

😀😀😀🙄

[@arbindkumar-ij7bg]

Audio is of poor quality today.hard to summarise panalist😥😥

[@asparmar8786]

Who is sipping the juice right through the video...Quite Irritating!!

[@ShivamSharma-ng2vy]

Very poor sound quality 😕😕🤔

[@alokgupta7239]

This is cool........

[@omungbhardwaj277]

But we have to take care privatization is not a panacea . Fallout of yes bank has taught us. More emphasis should be on strengthening the regulatory mech.

[@AbhishekSharmamathana]

From where i can download pdf of this video like gist or transcript

[@AmitKumar-ze1ue]

Nice one..

[@SanjeetDefenceandIASAcademy]

Sound problem, which decreases video Crux and quality to understand maximum level

[@ritudhull2876]

Less corrupted sector with higher and timely service is only PSB

[@vahidkhan6561]

Please enable caption for all videos

[@Himanshu.Harleyx440]

Plz improve voice quality

[@mohitupadhayay1439]

Voice quality issues

[@nishadhama1576]

Sound quality is degraded.

[@gauravbassi1438]

What about merger of RRB with DOP

[@ashish4057]

Privatisation of banks should not be done until poverty comes below 30% in india which is now more than 60%.

[@shyamjiki]

Chuntiya

[@chandankumarsahoo5484]

Mr bhatacharya ...how much have you been paid by corporates for this show....at least behave as if you are not a corporate pawn...talk the reality man... don't talk so much lies

[@abhishekpartapsingh242]

Sound problem irritating

[@YouHub1233]

please improve your sound quality. it really sucks😖😖

[@BILASH93]

Who is Peeing Continously behind the Screen?

[@chandankumarsahoo5484]

Subhomoyo...a complete package of corporate chamcha...must be paid huge money for thus show by ambanis or adanis... don't comment sitting inside ac rooms....if you don't know the reality ... don't comment

[@hiteshchoudhary1446]

Poor audio quality.

[@eshan7021]

Subhomoy is looking like John Watson of Sherlock.🙃

[@bhaktiamrit5970]

Ye background me लोटा kaun patak raha hai ..😡😡😡 annoying sound....

[@ramananvenkataraman4594]

How many lakhs of crores of tax payer money will be dumped into these bottoml;ess pits ? Who will buy the shares of PSBs? The only way out is closing them down.

[@persevere0605]

They have become bottomless pits cz of wrong interventions and policies of government ...so government must be privitized not psbs

[@ramananvenkataraman4594]

@@persevere0605 Govt should keep away from them which is same as saying privatise them. Who will bring in more and more money for expansion, know Basel norms ?

[@shashwatagarwal3598]

Bad audio quality

[@krishnamuthurajan6784]

Poor audio quality

[@savanzala9630]

Very poor voice quality

[@NitAnksh0212]

bhattacharjee sir ki baten kin2 ko samajh ayi??

[@Ashtosk]

I think he has wrong facts. He says 1)banking is not a strategic sector. 2)yes bank bailout was not done by taxpayers money 3) psb gives loans without proper due diligence and succumb to pressure . He shouldn't be on panel .how can he say wrong facts on RStv

[@abhinavbgs98]

Hello UPSC Aspirant.......

[@tonikumari2909]

O of of

[@suzimanipur2983]

☺✌

[@sanskritibansal4668]

L

[@daminiyaduvanshi]

binod 😂😂

[@ramunaiduraghumanda6042]

First view

[@sumitangral1568]

Then u must an upsc aspirant

[@abhinavbgs98]

Are u guys also feeling irritating sound from background??

[@softyrao1858]

Binod

[@abhaysharma4517]

Thank you RSTV,The big picture for this information. :)