DK Kapila The Oracle

  Cooperative Banks - Rural – Operational Excellence and Leadership  By                   Dinesh K Kapila, CGM (Retd) NABARD (written for the HPSTCB, For their souvenir, National Cooperative Conference, Sept 2025).  Maintaining a viable market share with a sustainable profitable profile has been a challenge for   rural cooperative banks (RCBs). Committees have repeatedly stressed the subject of revival and operational viability in coop banks, through recommendations for regulatory changes, financial re-engineering, digitization and computerization, the SSE for digitized services with improved   credit underwriting standards, fintech collaborations, etc.         These are well conceived initiatives and policy decisions. However the actualization in terms of results is often not as envisaged. Can such initiatives drive the growth of business on ...

A Lovers Tiff and Karvachauth and All That ! Dinesh K Kapila   Surya was siting quietly. Reading his newspaper. Sipping tea from a giant mug and watching his wife Annie. Admiring her with  quiet affection. A silent thinking man with a greying head of hair, he was wondering how the years had passed. Years of marriage had passed  by as though in a flash, though actually it seemed every January that the year had passed ever so slowly.   The two sat in companionable silence, their morning routine a set ritual. Annie was smiling as she leafed through the newspapers, it was Karvachauth and celebrities were proclaiming their love and affection for their spouses with enthusiasm. And then there was the social media, the classic being a seventy year old guy saying his wife still looked as she did as a bride ever so many years ago.   “Well, he must be saying it without wearing his spectacles “”said Surya. Well, its in the mind”, said the quite but assertive Anni...

i    would like feedback on this. My feedback I see my young BM, PSU, in my area, leaving the branch at 8.30-9 pm daily. After 5.15 pm, only he and his outsourced office boy are left in the bank: the clerks, just two, leave basically sharp on time. I talked up to the senior officers once., they say Bank policy. Some say Slow recruitment process. Some say they need more contractual staff. As support. Not for decisions., Sone say large Pvt Bsnks Ihave employed -correction, outsourced- a lot of drudgery. May be their HR systems are not bound by guidelines on outsourcing. That is a maybe., Interestingly, the response I received from Three Senior PSU Bankers, Banking is largely knowing how to soak up the pressure. They say this is a fact. They do have now recruited associates etc, essentially on contract. A short true story A group of youngsters set up a group. All India. I was a mentor. Some other mentors were there. Slowly the group - the group was on Facebook - grew to...