M S RAGHUNATHAN : கருத்துக்கள் ( 45 )
M S RAGHUNATHAN
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ஏப்ரல்
4
2018
அரசியல் ரூ. 2.41 லட்சம் கோடி கடன் ரத்து மம்தா பானர்ஜி கடும் கண்டனம்
The comments of Mr. S. Natarajan are extremely correct. The political parties are making empty noises about N P A. But MANMOHAN SINGH AND P CHIDAMBARAM will know the reality. But these two will never pen their mouths. In fact for future loans sanctioned an amment should be incorporated in Banking Regulation Act that if an account turns NPA, the details should be circulated to all Banks about the borroer and to the regulator. If the account continues to be NPA due to wilful default for more than 9 months, the complete details of the borrower should be published and necessary advisories be sent to enforcement authorities. Only deterrent action alone will stop this malaise.   12:11:38 IST
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மார்ச்
31
2018
பொது இன்று இரவு 8 மணி வரை வங்கிகள் திறந்திருக்கும்
It is sheer absurdity to advise the commercial banks to keep till 8.00 PM. If tax payers have not paid their due taxes within stipulated period impose penalty on them. As a former bank Manager, I found out there is negligible amount is receive after the banking hours/during the exted hours.. Can/has RBI has any data on the taxes collected on the last day during the exted hours ? Sadly the answer is no. What is the purpose in keeping thousands of rural and semi urban branches till late hours when hardly not even a single customer turns up. The government should get tough with people who fail to pay taxes in time instead of bank employees.   10:04:53 IST
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மார்ச்
28
2018
பொது காவிரி மேலாண்மை வாரியம் அமைப்பதில் சிக்கல்?
The Central Government is hiding behind words. They have no intention of alieanating the Karnataka where the stakes are high. The Tamilnadu Government should stop supplying electricity to Karnataka from the generating companies operating in Tamilnadu. Also should ban selling/sing sand to Karnataka and also stop such supplies that are being sent to Bangaluru from Tamilnadu   16:54:12 IST
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மார்ச்
21
2018
பொது ரூ.824 கோடி! 14 வங்கிகளில் சென்னை நகைக்கடை அதிபர்கள் மோசடி..
I want to place on record some procedures to be followed by banks while sanctioning large loans. Before that I want to say that some 40 years back all the large loans were scrutinised by general officers who used their common sense and wisdom to analyse a loan application. They did not give much importance to financial data such as balance sheet profit and loss account etc. Instead they wwent by their integrity, experience in the trade, their market credibility, available security nature and standing of guarantors and bank's own market enquiries. Once tha banks have started recruiting specialist officers such as chartered accountants who soley deped on financial tools these types of fooling around the banks have started. For such a huge bank loan stock should have been conducted every quarter by an indepent C A firm approved by bank and R B I. Was this conucted ? If the audit firms have not done their job properly identify them and file a case against them for conspiring with the borrowers and dereconise their CA . Similar action should be initiated against auditors if they had connived borrowers in preparing bull shit balance sheet with the sole aim of defrauding the bank.   16:59:21 IST
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மார்ச்
20
2018
அரசியல் பெரியார் சிலை சேதம் ராகுல் கண்டனம்
It is a great bloomer from Prince Rahul that E V R was a patron of dalits. Let somebody tell him about the derisive comments made by EVR about dalits and downtrodden people which was published in Thukglak and Arasiyal tamil weeklies   14:59:22 IST
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மார்ச்
4
2018
அரசியல் காங்., இல்லாத இந்தியா சாத்தியமாகிறதா? நாடு முழுவதும் பரந்து விரிகிறது பா.ஜ.,
If Congress gets rid of duplicate Ghandhi family and take the leadership of young and committed and nationalistic persons such as Jyothiraditya Scindia or Sachin Pilot or Milind More and such persons Congress will revive certainly. Hardworking local cadre and leaders should be identified and encouraged and for that selfless state level leaders are needed.   10:11:24 IST
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பிப்ரவரி
18
2018
அரசியல் விஸ்வரூபம்! பிரபல தொழில் அதிபர் நிரவ் மோடியின் மெகா ஊழல்..
The entire fault just falls ஒன 1. Bank's control tem and inefficient supervisory aspect of concerned senior officers and utives. 2. I believe that this branch is a big one and there will be certainly internal auditors from audit firms/senior level internal inspectors to check the daily transactions and certify that these transactions are carried out as per established protocols checked and passed by competent officials. 3. In every bank there is a tem that they should submit a statement of loans/guarantees sanctioned by the branch along with details of borrower and securities taken. This statement should be verified by the controlling office with inputs from their computer centre any u usual entry or increase in value of contingent liabilities should be questioned. Unfortunately this rarely happens. 3. Large branches should be visited periodically by the top utive of the controlling office and they should verify the Assets and Liabilities statements closely and should ask pointed questions about the increae in any head and get satisfied. Nowadays this visit is done just like that.. All the these controling utives should be questioned and truth ascertained and should be booked for deliction of duty. 4. All the big branched will be inspected by Inspectors of branches on annual basis. Why this was not noticed by the controĺling dept. All the utives during this period in the Inspe tion and Audit dept should be booked and punished. 5. There is a thing called computer audit wwhich should analyse the log of the branch and see whether any laxity is observed. This is done just for formality sake and officer of A branch will inspect B brancjh and vice வெர்ச 6.Apart from the above internal controls, every year there will be a balance sheet audit by audit firms which will be initially scrutinized by the central auditors and then by R B I. How come these audit firms could not found it. These firms should be black listed and punished for criminal negligence and conspiracy. 7. The R B I and its department of operations should be investigated and appropriate punishment be குவேன் As a bank officer ( Retired) an experience of more than 35 years the above are my observations. The Head Office of the Banks should concentrate more on quality than on quantity in business growth which is now not there. Irrationaly targets are fixed and thrust upon the branches, which leads to circumvent bank's tem. Proper recruit ment/promotion policy should be framed where only honest and trustworthy personnel are appointed   10:27:03 IST
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பிப்ரவரி
16
2018
அரசியல் காவிரி தீர்ப்பு தமிழக தலைவர்கள் அதிருப்தி
Why Tirunavukkarasar and Chidambaram have not ed their mouths ?   17:21:49 IST
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ஜனவரி
6
2018
பொது தியாகராஜருக்கு இசை அஞ்சலி திருவையாற்றில் பஞ்சரத்ன கீர்த்தனை
It is a pity that front line ranking male musicians are not taking part in the anjali. In 1960s and 1970s allthe jambavans such as அறிய kudi Ramanuja Iyengar, Maharajapuram Viswanatha Iyer, Semmangudi Srinivasa Iyer, Madurai Mani Iyer, Chembai Vaidyanatha Baghavathar,T M ThygaRajan ,G N Balasubrama ian etc all used to participate in the unjaviruthi in the morning and in the evening oorvalam. Except one Sangeetha kalanidhi Sudha there is sign of any of the frontline artistes and sad part is they earn lakhs of Rupees by singing his kritis. M S RAGHUNATHAN   17:15:59 IST
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ஜனவரி
3
2018
அரசியல் கோரிக்கை நிராகரிப்பு ராஜ்யசபாவில், முத்தலாக் ஏற்படுத்திய அமளி
The Supreme Court has not decided that Talak as prescribed is wrong. But what it said was talak should not be pronounced in single setting or by pronouncing talak through phone/ mail/telegram/ letter. If the Muslim clerics are very serious let them say that they will not recognise such act and impose punishment on the person. More so, if talak was pronounced normally, the husband should pay maintenance charges of the divorced wife till she gets remarried and the expenses of bringing up the children should also be borne by him. I have bizarre suggestion that the husband should not marry until the divorced wife gets remarried. M S Raghunathan   10:56:49 IST
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