There is this paragraph in the DH report which sticks out unrelated to anything else in the report:
The court observed that MNBs score over the nationalised banks as they are technically upgraded, efficient and their staff is well-paid. The ‘dead wood’ in the staff can be removed any time unlike government banks, where staff do not have any accountability and fear of being removed from service and therefore their attitude towards the public is pathetic.(Italics mine.) This, when the whole brouhaha is about private banks using goondas to assault the public!