Apropos of the edit “A fair innings” (FE, December 31), for some time now, it was apparent that Mahendra Singh Dhoni would opt for retirement from the longer format of game—sooner than later. It was only a matter of time and hence it should not come as a bolt from the blue. The best thing about MS Dhoni was that he was ever cool and went about playing in his own inimitable style as the situation demanded—never hankering after records, owning up to the failures like a true leader—and that made him arguably one of India’s top cricket captains. His very presence makes a lot of difference to the Indian camp and can even impact rivals to who always think of him with grudging respect. His cool demeanour often made the feel uncomfortable. MSD’s legacy speaks volumes about his cricketing style and his contribution to the game. The world of cricket will certainly now miss one of the most collected captains ever.
This in reference to alarming increase of NPAs. I am a valuer on the panel of about 12 banks, and follow up with the banks for valuation orders, especially NPAs, on priority to improve the finances of the banks. Bank managers and politicians are not bothered about NPAs as they get their salary, perks, etc, without any difficulty. If NPAs increase, it harms mainly the depositors by reducing interest on their deposits, causing them to suffer. This affects mainly the pension-less senior citizens who struggle to live through their old age. During valuation work, I have seen many defaulters take loan only to become defaulters, without leaving their whereabouts. Hence, it is advisable for bank officers to consider repaying capacity of borrowers on priority before sanctioning loans.
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