In fact, both extremes- excessive or too little trust and due diligence can prove detrimental to banking business. A middle course perhaps would be the most ideal mix with the bankers  BIS central bankers’ speeches  1  following the right regulatory rigor and the borrowers following a model code of conduct in their dealings. 3.
Having set out the broader realm of the banker-borrower relationship; let me now turn to some specifics insofar as the expectations from bankers and the borrowers are concerned and non-observance of which can vitiate the relationship between the two. 4. Expectations from bankers  i). Timely sanctioning and disbursal of the loans – Borrowers approach the banks because they need finance.