somewhere along the line we should also remember that Govt with its reservation policy has also contributed to this sorry state of affairs in the PSU units and Public sector Banks. The 'reserved' category officer gets a promotion due to his caste whereas a forward caste staff would not get his ' due' promotion because of lack of suitable vacancies in the upper echelons Result - the brilliant FC man stagnates but the undeserving 'reserved' man goes up in the ladder. And, in most such cases the 'reserved' class officer gets a a stagnating brilliant FC officer as his deputy. The FC officer due to his 'knowledge' power rules the day and the reserved officer just sits and ' signs' all papers. This is true to most PSU Banks today.
