The quality of services provided as well as the balance sheet of any bank should match the good setting of the premises. Every week I receive numerous complaints from bank customers from across the country. Seldom do I come across justified complaints. Let me clarify a fundamental point. Banking, as we are all aware, involves risk.
No banker, anywhere in the world, is absolutely certain that money lent out will be fully repaid in time. The risk of default is ever present. And many borrowers do default - often in an obscene manner. In such circumstances bankers have no other alternative than to take unpleasant actions for the bankers are answerable to their shareholders.