Exams for recruitment in Public Sector Banks

I find the following in bank recruitment exams.
1. Immediate probe required into the recriutment process. It is big question mark whether the candidates selected in the exams are AT RANDOM or by their performance because very many of the selected candidate are of very poor quality. Is there anything fishy like TNPSC?
2. Public sector banks are make very huge profits . Further the profits are multiplying yearafter year. Then why such high fees is levied for the exams. Say for example more than a million have appeared for the clerical test. Fees is Rs.400 for general category and 250 for reserved category. How many millions are being pocketed from the candidates who are already unemployed. Can't it be shared by the public sector banks.
3. Since it is a money spinning exercise banks now found a loophole and go on their own recruitment for special category officers/clerks. Now again the poor unemployed has to spare separately for each bank exam in addition to PSBRB . Is it justified? One can imagine the magnitude of the money flowing . For a vacancy of 25 specialist officers in a PSB more than a lac candidates have applied . It is for one PSB. How many PSBs are there . How much money is being swindled?