Customer satisfaction and customer protection are the hallmarks of banking service. Regulators and supervisors across the financial world have built policy edifices on strong foundations of consumer protection and customer service. In this context, it is indeed a commendable initiative on the part of the bank to train the employee to focus on customer service and reward exemplary service rendered by employees.
To the extent that we worried about the external sector, it was always in terms of the current account and the pressure that might come on the (fixed) exchange rate;  ·  there were, of course, financial crises in those days, but they seemed to have a different nature.