PSB are having subsidiaries for main line banking products. Like Bank of Baroda is having BOBCARDS for credit cards and PNB is having a subsidiary for Housing loan. Take a case of BOBCARDS which takes care of credit card issuance and POS acquiring besides that it handles bank debit card operations. There is different team at bank for debit card and Payment gateway business. There should be a single team which can be achieved by merging BOBCARDS to BOB this can help reducing cost and improve BIZ

in atm there should be 100 and 50 rupees notes so that students feel easy while withdrawing. At least 100 rupee note must be there

comparison of Public Sector bank with pvt sector is not justified as pvt banks do not participate in social cause and public facilities like pension payment, priority sector lending. Their participation is jandhan yojan is very limited. Their wage structure is different whose data has not been given here.Moreover public sector employees are are least paid sector in the country despite being a sector of highest growth rate. No incentive for a hardworking banker who works 9 to 9.

Respected Pradhan sewak of India, An un satisfy psb employee cnt give satisfactory services.compare the salary structure of new joinnee bank clerk n officer with teachers or any other gov dpt.compare the work pressure,risk factor.so how can u think dat the employee who r getting salary lower than a peon will make our banks top in world..i also joined with grt zeal n determination in 2012 bt facing this salary crunch preparing to join other dpt..dere r many more like me .hope for good wage revise

one of the major reasons identified for high incidence of NPAs in public sector banks is deficiencies in processing of proposals. All the proposals of above Rs.100 cr.(FB) and Rs.500 cr(NFB) should be vetted by a committee of RBI constituted specially for this purpose. Replies / rectifications submitted by banks for Annual Inspection Report of RBI (at least for serious irregularities) should be verified by RBI with in 3 months, without waiting till the next Annual inspection.

Please frame a policy for bank branches population wise to establish branches in rural/semi urban areas.Now a days in small villages which is near to urban areas most of the banks opened their branches. The result is instead of business improvement or benefits to the people, the capital/revenue expenditure is more. If we divert these funds to where banking facilities not much there like north east states/tribal areas it will help to grow for the STATE/INDIA.

For Agriculture KCC should be given by PSU BANK TO EVERY FARMER IN ITS SERVICE AREA BY GOING HIS HOME AS PER THEIR SERVICE AREA SO AS TO THOSE WHO ARE YET NOT GET KCC FACILITY WILL COVER AND EVERY FARMER WILL GET HIS WRITE . TILL DATED BANKS NOT GIVEN KCC TO MANY FARMERS.

Please reduce no of nationalised Bank due to it in single small city their are 15 to 20 Banks where as in Rural areas people's have yet not get banking facility due to long distance from village. It also westing money on rent electricity and other also it will create unhealthy competition among PUS bank which will causes NPA. ATM - on one place two or more ATM of diffrent Banks was fount which also westing money of our nation so all ATM should be from singal agency thought India.

Please reduce no of nationalised Bank due to it in single small city their are 15 to 20 Banks where as in Rural areas people's have yet not get banking facility due to long distance from village. It also westing money on rent electricity and other also it will create unhealthy competition among PUS bank which will causes NPA. ATM - on one place two or more ATM of diffrent Banks was fount which also westing money of our nation so all ATM should be from singal agency thought India.

i suggest mr ganesh asundi to change your bank as most of the facility is available with sbi net banking..