COMMENTS NO: YEAR/2021/1251

"In true love, sometimes, 
some girls do become 
too DESPERATE; 
to break through all 
odd situations to 
change their FATE; 
as it is never 
too LATE; 
to find out your 
beloved SOULMATE."- Arindam Sain

COMMENTS NO: YEAR/2021/1250

"Sab par nazar rakhta hain 
Babban Baagh, par sab ka 
nahi karta hain SHIKAAR; 
par usko barabar shunaai 
detaa hain kisi raajnartaki 
ki nupur ki JHANKAAR.
Maano jaise do dil 
karein ek doosre se 
chupke se PUKAAR; 
yeh pyarbhari sunehri 
yaadein hee toh hain 
aasli keemti ALANKAAR." - Arindam Sain

COMMENTS NO: YEAR/2021/1249

"We can only predict the 
future, but, sometimes, 
we do ignore the brutal 
realities that we can SEE; 
the captain of the ship may not be 

so knowledgeable to understand 

that during earthquake, there can 

be tsunami in the SEA."- Arindam Sain

COMMENTS NO: YEAR/2021/1248

"Under the invisible umbrella 

of 'Mother Nature', you can 

never be ALONE; 

as God has created you 

unique with lots of talents 

and you have no CLONE."- Arindam Sain

COMMENTS NO: YEAR/2021/1247

 "In the darkness, have patience, as for a 

moment also, something will surely GLOW; 

therefore, in odd times, keep your mind steady 

and intentionally, just go SLOW."- Arindam Sain

COMMENTS NO: YEAR/2020/1246

"When the ambience 

around you provides an arena 

which is vibrant, flexible and LOOSE; 

then even at odd times, you will always 

emerge as a winner, no matter, out of your 

passion, whatever you CHOOSE."- Arindam Sain

COMMENT NO: YEAR/2020/1245

"KING: 'Is there any way out so that the 

banks of our Kingdom can bounce 

back to do some profits again ?' 

ROYAL STRATEGIST: 'You must raise 

some questions first to understand what 

is the actual scenario of banking industry.

1. What percentage of total assets 

are actually bad assets ? 

2. What percentage of bad assets 

are actually fraud accounts ?

3. What percentage of bad assets have been 

written off and at what average percentage ? 

4. How many redundant departments are 

incurring unnecessary operating expenses ? 

5. How many branches which have done 

losses consecutively for 3 years 

are yet to be merged ? 

6. Can we reduce the cash remittance 

expenses by opening up a small currency 

chest at a feasible accessible location ? 

7. Is the bank really focussing on bulk 

stationery printing to reduce the 

costing of all stationeries as per 

'economies of scale' theory ? 

8. Has the bank succeeded in 

implementing automatic deduction system 

of all fees and charges in its CBS software ? 

9. Has the Bank succeeded in uitilizing 

its own IT workforce to do 'helpdesk' jobs ? 

10. Has the Bank succeeded in direct addition 

of commission amount of each third 

party products sale to the 'Other Income' 

of each and every respective Branch ?'

HERMIT: 'Quite smart you are ! In the form of 

questions, you have actually given some good 

suggestions indeed.'"- Arindam Sain