Increasing load of provisioning adversely affects the capital adequacy ratio. This is why government has to infuse capital from time to time. Executive directors and Chairmen & Managing Director of these banks frequently visit the office of Ministry of Finance with a bowl in their hand to bag alms (to request for capital infusion). 

Ministers or you say dirty politicians who misuse government banks for vote bank also extends sympathy and support to these bagging CEOs of banks.

After all it is public money which is bent lent to unscrupulous businessmen by corrupt bankers in nexus with corrupt politicians and powerful corporate and rich businessmen of the country. When the asset goes bad, the ultimate burden in shape of service charges and interest is loaded on poor and middle class families. Neither accountability is fixed on top bankers not strong legal action is initiated against high profile defaulters. 

 I say common men are more sufferers because banks usually extend all privileges to classic and high value customers at the cost of poor and low value customers. They lend money to affluent class i.e. to high value borrowers at low interest rate and similarly pay more interest to depositors who deposit in crores of rupees in banks.

Interest rate is different for different slabs depending on value and volume. But when high value borrowers go bankrupt, the load comes to common men. None of top ranked officers are punished for their wrong decisions. For big value advances, the most common excuse given by banks, businessmen and politicians is bad weather, global recession and monetary policy of RBI. 

Even capital infusion by government of India create burden on common men in form of various taxes and levies. Again tax reliefs and various subsidies are provided to rich and affluent class of people , not to common men.

Lastly, all types of award in shape of sacrifice on compromise or waiver or loan or write off is extended for providing relief to high value businessmen, not to poor and common men in easy way.

 http://dkjain497091112006.blogspot.com/2012/01/capital-infusion-in-public-sector-banks.html