At the SBI branch near me, none of the staff arrives before 10:20 am although the branch time starts fro.m 10 am. But they have a valid reason doe not manifesting. They say that the most of the work is actually handled by the peon all others are for the name sake.
I had a first hand experience of this when I went to sign the new locker agreement. Manager had to call and please with the peon who was out, busy with his work. I had to wait for an hour before he came and informed me of the unofficial extra charges for the stamp paper) for the stamp paper that he had to procure.
That's the SBI for us all.
Nothing,
Like Anything!