Credit appraisal in PSB is just a routine exercise and compromise with given information in lieu of what should it be. In the mad cut throat competition among st banks, to entertain the proposal just to keep the customer in existence at the expense of taking away by the competitor. Realistic grounding of Govt. sponsored schemes with the interference of officials is not going smoothly. Bank employees do require more discipline in discharging the duties. Give me the opportunity to mend.

I also think that all bank should have a local consultant CA, Architect, Engineer, surveyer,lawyer etc to sanction any high value loan proposal and if any loan goes NPA then the government can catch hold all of these consultant and make them accountable for the same and moreover it will restrict any sort of corruption from bank side by apraising some false loan as recently seen in case of CMD of Syndicate Bank and moreover the loan case is scrutinised by several consultant on several aspects

As on date the public sector banks performance is good. But unfortunately the rules and regulations framed by Govt. is strictly implemented in PSU banks only, but the rules are not imposed on private banks, while violations a nominal penalty is imposed for them. For ex. recently launched PM dhanyojana ,only PSU banks opened 95% of total accounts whereas no private bank is shown interest to open such accounts. This shows how the PSU banks are served the nation while comparing with private banks

In every large branch should be headed either by a technical person or a chartered accontant supported by competent staff. All large loans should be sanctioned after scrutiny at 3/4 levels. Internal audit department should have professional people to ensure timely alert before loan become bad. Recovery of bad loans should be done in time bound manner. Top of all chairman and managing director should be very knowledgeable and professional person.

There should be handsome salary package in psb to attract new talented staff to retained. Most of new recruited staff are leaving the banks for other better option in call center & BPO'S etc., salary is very low in psb's as compare to other psu's.

Let the staff of the public sector banks learn to smile at every customer; talk to them endearingly and politely; they should be able to spot a needy customer and guide him/her to the right counter; help and guide the customers not familiar with the rules/procedures of the bank; no customer should go back dejected and disappointed; all staff should be computer savvy, at least, in basic funtions of the transactions; those of the old block be relegated to back end jobs; simplified procedures.

As a banker only nationalised banks are doing community service giving loan under govt scheme opening small account now pension will also through bank these thing makes bank to work hard put extra effort for the thing giving no profit private sector enjoying image of serving to royal segment thus attracting more rich customers.these thing will ultimately resulting in more NPA thus govt should sensibly think about their policy before enforcing if govt does not want to vanish nationalised bank

I am an exporter and deal with public sector bank. Foreign exchange remittance is credited a day or two later. Secondly rate provided is comparatively poorer than private sector banks.

राष्ट्रीयकृत बैंकों में बढता हुआ एन पी ए इस समय सबसे बड़ी समस्या है। इसका मुख्य कारण यह रहा है कि बैंकों में आने वाले अधिकाधिक ऋण प्रस्ताव दलालों के माध्यम से आते हैं, दिखावे में इस तथ्य को नकारा जाता है। जो ऋण रिश्वत लेकर ही दिए जा रहे हैं, उनके विषय में कोई संदेह नहीं रहता कि वे कभी वसूल हो पाएंगे। पिछले पाँच वर्षों में हर स्तरपर भ्रष्टाचार तेज़ी से बढा है। बैंकों की संख्या भी घटा कर दस से नीचे लाई जानी चाहिए फिर अनुभवी कर्मचारियों के न होने का बहाना भी नहीं चलेगा।

1 divest Govt holding to minimum required level allowing PSBs to raise capital 2 Reduce statutory reserve ratios to provide more funds for lending 3 Bifurcate post of CMD ie Chairman, and MD for better role execution 4 Appoint professionals as Chairman and MD Merit should be the sole criteria.Salary perks to the level of Pvt. SecBanks 5 Accountability at higher level for non performance 6 To reduce expenses administrative structure should be reduced preferably 6 Use of better technology