Skeletal branches of 1-2 officers and 2-3 clerks should be the norm of day instead of huge branches in single place. Thus increasing presence and good customer service, Give better incentive to persons working more based on vouchers/ work done. Remove incentives for cross selling to higher ups as they are not involved in serving the client at later stages, it is only the basic staff who is doing cross selling providing service

The other aspect is delivery mechanism. Capacity building for training of the large contingent of new recruits is a colossal task PSBs face.Thanks to the the asymmetric intake over the years, entire generation is to walk out of the system making the entire system vulnerable to inexperience. And Banking is a serious business which is unforgiving for any mistakes. Following SOPs is a sine qua non for Banking. Large branches in thousands headed by CMs & AGMs have only few newly recruited officers

If a teacher is called for Independence dayFlag ceremony for just few houts he will get 1 full day leave in return. But a banker is supposed to do PMJDY survey from 8am to 8pm every saturday by extending his working hours and dont expect any compensation for it. Bankers are not treated as humam beings by govt itself than what to expect from others.

Slowly and steadily is puting entire burden on banks like LPG subsidy aadhaar seeding. PMJDY survey. etc. If govet cant implement social schemes via its offices better close them. also bankers are already highly underpaid and by puting extra burden no extra compensation is given. Let the bankers focus on baking ONLY. Banks will automatically improve. Dont make bankers to clean roads and build toilets. We have separate departments for that.

Secondly, eliminate duplication of accounts in multiple banks and branches using UID or PAN No. A person uses Voter ID in one branch, UID in another, Driving licence in other, thus has 10 accounts. True financial inclusion needs to be done by increasing PSB to remote places. Once one PSB exists, another PSB should not be permitted within 5 Kms, in rural/Semi urban pockets thus forcing banks to expand into larger areas thus making available banking at doorstep

such cases without going to court and taking great help of great lawyers. pl resolve this issue among themselves by saving the precious time,money, manpower of both A & B Bank. Sale the property without any dispute and adjust the same. Loss by A or B is ultimately loss to Public exchequer. If some effective measure is implemented for granting loan/mortgaging the property and effective coordination among the banks and uploading the data base in CIBIL website on the day grant of loan.Effective way

The employees are dissatisfied with wages and regular strikes occur. Give a hike and get the work done, Slowly upgrade the good working people to officer cadre based on ground work and not assessment by senior officer. The new blood is good at systems all they need is training and grooming. Recent AP Debt waiver work hindered banking for almost a fortnight...no use for banks. Banks should be 4 banking only. All banks should be on single platform no multiple accounts be allowed

The breed is depleting fast and the current breed is not the best to run institutions like banks. The Government would have to decide whether it wishes to own Banks in the long term or exit completely. If it wishes to run it successfully, it will have to play the ball hard.
What perturbs me the most that a small thing like wages lingers on for years making it unattractive to talents who prefer private sector Banks leaving the PSBs gasping for breath. The end has begun lest the owners decide.

Regarding increasing NPA there is no fear in people regarding non payment of debts. If any person is not paying bank loan should be dealt with most harshly. The court cases relates to banks should be dealt with priority. Politicians should not encourage debt waiver as it has a bad impact on honest borrowers who repaid entire loan on time.

psu banks are given works of the state govts and centrl govts.. Governmnt is now accepting that the system is totally failed for distribution of services thrugh govt offices.. so there is lot of burden increased on bank staff which is hampering the main business of bank and proper bank service.. where there is 5-10 people lets say dealing for scholarship distribution is now done by existing SWO of banks.. payment of MGNREGA through diffrnt govt employee is also burdend on SWO..