If you are expert in RTI act ,I would like to request you to arrange seeking information under RTI on following points
Information related to loans and advances sanctioned or written off directly or indirectly by Regional head or zonal head of a bank should be sought under RTI act. This will reveal that all executives are guilty of bad lending and bad write off or unwarranted compromise with bad borrowers.
You may begin from existing or retired General Managers of a few prominent banks. If we look into the past of at least ten GMs of a bank we will find that all advances sanctioned by him during last ten years has become bad or all advances induced by him but sanctioned through his flatterer Branch Manager has become bad or even written off. This will be enough to prove that only bad bankers could get promotion and good posting and it is bad bankers who are mainly responsible for banking scams .It is in the era of reformation that officers of the rank of CEO,GM and DGMs are caught by CBI in bribe based lending. When heads of a bank are corrupts it is easy to guess the nature of officers at junior level.
It is a bitter truth that without earning from bad lending any bank officer cannot accumulate property worth crores of rupees.
Therefore I am of the view that at least all NPA accounts with amount more than one crore or five crores can be looked into to find out who was the person behind its sanction. It will be proved that most of the big advances sanctioned during last five years have become bad. In most of the branches situation of advances is very much alarming either due to wrong selection of Branch Manager or due to shortage of manpower. Whatever may be the reason for different Branches for increasing NPA in bank, it is definitely indicator of defective management.
Internal health of most of the banks is more pitiable. Branch manager selected are either flatterer or regional head or bribe manipulator. As such advances given by such BMs become bad in a year or two. There is none to stop such malfunctioning in bank and punish actual bad banker and pull them down from top posts to rock bottom.
It is only by using RTI that one can explore the facts and place the matter before banking division, RBI and Government of India to highlight the real reason of weakening health of banks in Public Sector and to find out the reason why these banks are unable to give suitable salary rise even in five years whereas other private sector companies are able to give a salary rise of 10 to 30 % every year. It is only then government of India and Ministers will look into injustice meted out to PF optees in particular and bank employees in general.
