Is not IBA morally responsible to protect banks from bad borrowers?

What is the Contribution of IBA to reduce the burden of bad debts of banks? Has it done anything worthwhile to educate the banks and borrowers to pursue professionalism in their businesses.? has it done anything to convince the Business lobbies to reduce the bad debts of banks? has it approached the government to prevent appointement of non professional directors in banks Boards? has it approached the represntative Bodies like Indian Merchants Chambers, FICCI, Exporters association, various other associations representing different categories of industries, SSI associations etc to discipline their members and advise them to condut the loan portfolio of banks professionally, ethically  and avoid becoming NPAs? What is the proactive role played by the IBA to justify its own existence. Does'nt it have moral responsibility to rescue the banks from bad borrowers and apprise the representative bodies as to how the borrowers cheat and dupe banks in different ways? Even the reprentative bodies make a hue and cry to cut interest rates and keep themselves silent when thheir members behave erratically with banks?.

Dr T V Gopalakrishnan