No attitude of doing good

One person got several phone calls from a particular bank. They were offering bank loans for various purposes: personal loan, vehicle loan, house loan, study loan, business loan…etc. This man had a dream of purchasing his own house. He went to the bank; the officer was polite and over-eager to close the loan deal as he had to complete the quota set by the bank management. Housing loans were little expensive but reasonable in his estimation and got a loan for buying a flat and he had to pay for ten years EMI. He was regular in paying his dues. After two years there was an announcement in the media the interest rate for home loans have decreased and customers could approach the bank. This time the bank officials did not inform any of the customers about the reduced interest rate. Like few customers he also came to know from his friend. He was furious, went to the bank and confronted the officer. “How many times you called me to take a loan? Why did you not call me and give me this information?” Officer said, “Everyone knows it and you can give a request; your interest rate will be reduced from this month.” This poor man had paid extra interest for more than six months. Many customers were paying extra to the bank as they did not know and did not give a request letter.
First, “So whoever knows the right thing to do and fails to do it, for him it is sin.” {James 4:17) Though it was not in the banker’s job description, yet it was the ‘right thing’ for him to inform the customers. This is sin of omission.
Second, Selfish envious Banker could have done good, but withheld, for lack of love. “Do not withhold good from those to whom it is due, when it is in your power to do it.” (Proverbs 3:27)
Third, it was lack of stewardship that he did not perform his work optimally.
Do I do what is right always?