Banky’s Understanding: Work ethics: Understood by observing: how employee feels about job (responsibilities/authority), is engaged with organisation, gets along with subordinates/superiors, values tasks, communicates with external stakeholders. High work ethics: Engaged, purposeful, committed beyond self-interest. Low work ethics: Detached, transient, motivated only by pay/designation/comfort. Some characteristics innate, BUT can be developed through appropriate interventions and proper work environment. Key indicators: Punctuality, reliability, accountability, initiative, collaboration, customer orientation, integrity.

Banky’s Understanding: 6 level hierarchy: (1) Self: Personal/professional goals (salary, assets, promotion). (2) Family: Spouse, children — education, health, settlement. (3) Community: Relatives, friends — be helpful but ethically conscious. Social pressure on those in significant positions. (4) Religion: Service at place of worship — need not be discussed at workplace. (5) Society: Underprivileged, physically challenged, rural poverty, women empowerment — contribute when settled in career. (6) Global causes: Environment, international child trafficking, money laundering, sustainable development — use existing laws (dont finance polluting industries with bank loans). Purpose: As you grow professionally, expand your circle of concern beyond self-interest.

Banky’s Understanding: Ethical behaviours: Help illiterate/semi-literate customers fill forms. Assist visually/hearing challenged customers. Communicate bank policies clearly. Assure customers of help. Don’ts: Dont debate differences with colleagues publicly (especially before outsiders). Dont discuss bank problems or personal grievances with outsiders or in public. Instructions: Executing LAWFUL instructions of superiors = ETHICAL. BUT acting on instructions that VIOLATE law/regulation OR harm customer/society = UNETHICAL (even if from a superior). Key distinction: obey lawful orders, refuse unlawful ones.

Banky’s Understanding: Whistle-Blower Policy: Encourages employees, customers, public to report illegal/unethical acts. Protection for genuine complainants from retaliation. Anonymous reporting channels. SEBI regulations, Companies Act provisions. Objective: identify and prevent larger crisis. Banks implement elaborate mechanisms. Recognising Ethical Workplaces: Fair and transparent policies. Open communication channels. Equal treatment (no discrimination). Accountability at all levels. Whistle-blower protection. Regular ethics training. Ethical audits. Leadership by example. Situational analysis: Causes of unethical behaviour: target pressure, KPI-driven culture, peer pressure, lack of training, poor leadership, weak controls, opportunity. Solutions: ethical leadership, clear policies, training, strong controls, accountability.