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Are Bankers Really Stingy? by christopheru(m): 3:28pm On Apr 01, 2016 |
"Bankers are stingy." This is a
misconception! It is an offshoot of
the popular opinion that bankers
are wealthy. My ears have grown
dull from hearing this popular line.
It's like saying lawyers cannot be stingy or saying being a doctor
automatically makes you a good
person. This I'll say is a Fallacy of hasty
generalization. 'Bankers are not
stingy.' I'd rather say most of them
are prudent. They work with
money and have learnt to value it.
Below are some of the reasons prudence is a necessary trait in a
Banker. The Industry is volatile The volatility of the Nigerian
banking Industry is well
documented. It is an annual
tsunami, with a stroke of its waves
rendering many jobless and left
with whatever has been saved for the rainy days. It's safe to say the bankers
earn through one of the hardest
means; with the highest level of
uncertainty and pressure. So,
wouldn't you rather advise a
banker dad, mum, friend or boo to save for the rainy days?
Shortages
Bankers are not machines, bank tellers in
market branches go through a lot
of stress, attending to countless
number of customers, counting,
bundling and 'unbundling' millions
in a day. Well, listen up! We make mistakes, which could sometimes
be more than our monthly
earnings. Sadly, we don't get to
enjoy overages when they occur,
but we pay from our earnings for
shortages. How do you expect a dude in this position to be
generous?
It's yours, not The bankers' ! You all need to understand that all
that huge cash in a bank are
accounted for, to the last kobo. It's
not the bankers' money, it is your money,
you and that woman out there
who has a shop on your street, your manager who owns a Land-
rover jeep, your friend with the
Infiniti QX4. The bankers don't have access
to it.
Pay structure
The pay structure and take home
of average Bankers are not what it
seems to be. It is made up of
several other benefits they don't get
to take home monthly such as,
leave allowance and medicals, not leaving out deductions such as
taxes, pension contribution, NHF
contribution, and other statutory
contributions. An average salary of
say N134,000 might just leave a
take home of N95, 000 monthly after butchering and deductions.
This might seem a good take home
pay for anyone, when you
consider his accommodation of
about 200k per annum, ~16.5k a
month, he get to spend on his wardrobe ( y'all love the smart,
crisp bankers dress right? ), several
other dependants, transportation,
fun (considering their high taste),
and education for those running
masters programs and other professional courses, "mehn you
have to cut the bankers some slack" Fake life
Unfortunately, some bankers
genuinely don't have the money,
they practically live beyond their
means and spend their salary
before being paid. They live a life of
pretense and lies.
The Banker is not a bank
Oh, you really have that great
business idea or plan, you have
something reasonable to do with
the fund you want, why not
approach a micro-finance bank? The profession is completely
overrated!!!!!!!!!!!!!!
Whats Your Say? |
Re: Are Bankers Really Stingy? by jaywise(m): 3:43pm On Apr 01, 2016 |
I think i agree with you to some extent. |
Re: Are Bankers Really Stingy? by ednut1(m): 10:42am On Apr 02, 2016 |
u know nothing about banking sha. a banker is diff from a bank support staff. contract staff tins has also bastardized the system whre dey get paid 70-80k. the real bankers who are the treasury guys, trading guys, corporate bankers, investment bankers etc with grades lik ABO(assistant banking officer), BO, SBO(senior *****), assistant manager, manager, Senior mgr. Assistant general mgr, general managers are big boys. earning 300-2m monthly. once worked with some AGM nd a GM. they all hv had houses in lekki worth over 150m(although mortgaged they had almost paid it off self). a typical hungry Nigeria gal will see a bank staff who might be contract to lavish his 70k salary abi. because he is ur fada 2 Likes |
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