GS4 · UPSC Mains
You have recently been promoted as a Branch Manager in a Public Sector Bank. The bank is battling high NPAs and mounting losses. You have been assigned a very high target of loans by the higher management for the current quarter. Your career prospects also depend on your performance in critical times. Few days back you rejected a loan application for a huge sum based on detailed analysis. Today you got a call from the Regional Manager to approve the loan quickly. On your reluctance to approve, he hints that the loan is sought by a person well connected in the finance ministry and that a refusal will have consequences for everyone in the approval chain. You are now in a tough spot. Based on the given information, answer the following questions: (a) Bring out the ethical issues in the case above. (b) What are the consequences of agreeing to the demands of the senior in the given case. Assess which of them are meritorious and which are not. (c) Suggest institutional reforms that can result in non-punishment of honest feedback.
| Topper | Rank | Source | Copy |
|---|---|---|---|
| Trupti Ankush Dhodmise | — | VisionIAS | p.44 |
| Sunil Kumar Dhanwanta | — | VisionIAS | p.44 |
| Saransh Mahajan | — | VisionIAS | p.46 |
| Jayant Nahata | — | VisionIAS | p.44 |
| Vidyanshu Shekhar Jha | — | VisionIAS | p.42 |
| Sunil Kumar Dhanwanta | — | VisionIAS | p.44 |
| Khushboo Gupta | — | VisionIAS | p.44 |
| Vaibhav Gondane | — | VisionIAS | p.42 |
| Shubhank Mishra | — | VisionIAS | p.44 |
| Neha | — | Vision | p.44 |
| Kanishak Kataria | — | Vision | p.42 |
| Kanishak Kataria | — | Vision | p.42 |
| Kanishak Kataria | — | Vision | p.42 |