1: Ban Strikes: Pass a law banning strikes in all government departments: Air India, Banks, Railway, Post office, Police, transportation, sea ports, buses etc. If anyone go on strikes, they would be fired and will face life time ban on any government job. In 1981, about 13,000 air traffic controllers went on strike in USA. President Reagan ordered them to return to work in 48 hours. They did not. Reagan fired them all and banned from getting any government job. Bank must open 9AM to 6PM like US

I would highlight the importance of accountability and motivation
1. Accountability - Make board of directors and MD personally liable for decisions made during their tenure
2. Motivation - Part of salary be paid in stocks - to align management interests with stakeholder interests

Sir/Madam, Recovery of loans should be higher having a simple and strict way. It has been observed that rich persons and firms are showing less responsibility in returning the money in time.So laws should be strict.Waiving off loans is not good for country.

Retirement age be reduced to 58 years immediately to appoint 3 times staff in the same establishment bill.Retired staff can be used in credit marketing,deposit mobilization, BCA control,Audit functions ,training subject to maximum upto 62 years at a 25% salary of last drawn salary +conveyance of Rs 3000/- and mediclaim of Rs 500000/-.Transfers to desired place in deadly diseases to any of self, spouse, child and parents and of ladies to husband/child place of posting/residenc be on top priority.

Cash Deposite machine,pass book updation machines and Q management machines in each branch.4 training in a year must in credit,HR.forex,audit must of 3 days each for all employees in scale 4 and above to fill knowledge gap.Time bound promotions up scale 5....clerk to officer--4 years as clerk, officer to scale 2----4years as scale 1,scale 2 to scale 3---5 years as scale 2, scale 3 to scale 4 ---4 years as scale 3, scale 4 to scale 5----4 years as scale 4 should be must.All branches to do credit.

More than sufficient salary in general and particularly in executive cadre will prevent corruption leading to less NPAs.Respect to experience,transfers within 40 kms upto scale III, upto 60 kms upto scale IV, upto 100 Kms in scale V, upto 250 kms in scale VI should be implemented. Banks be divided in 3 categories businesswise. Promotion from small bank to medium bank and medium to big size bank for ED/CMD.Staff be doubled. service charges be doubled and should be uniform for all PSU Banks.

1. Make aadhar compulsory for availing any banking facilities and connect the database with a central server so that banks may come to know if their defaulter has credit balances in any other bank or vice versa.
2. Create a world class working environment and adopt best HR practices for salary, promotion, transfers etc to boost the work force.
3. Merger of banks to create few world class banks.
4. Provision of strict action against defaulter to make people realise loan taken has to be repaid

When i joined banking sector 1.5 years back my aim was to make a career in a public sector bank.But after 1.5 years of experience i m preparing for other government exams just because of the working culture of the bank staffs and the salary they are being paid for the unlimited work they have to face.untill and unless employees are efficient an organization can never become efficient. Please first of all ensure the efficiency of employees bank will automatically become efficient.

1. Provide passbook printing and cash depositing machines inbuilt in each ATM.
2. Provide coin vending machines in at least one ATM in each town.
3. Ensure that Bank branches do not repeatedly face server errors.
4. Devise a system where a customer can rate a bank employee’s performance.
5. Banks should not go on frequent strikes.
6. Attractive schemes like Kisan Vikas Patra should be made available in banks.
7. Do not impose limits on ATM transactions per month.
8. Increase number of ATMs espec

Remove old employees as their mind set is that even if they will not work they will get salary and nt ready to change their self. 2. Promotion based on performance and not based on seniority.3. Salary and increment based on performance. 4. Reduction in number of bank holidays. 5. Merger of public sectors bank 6. Increase in working hours. 7. Take benefits of public data which is with government for approaching new customers