Staff must be given periodic training to equip knowledge on banking. Pay scales are poor compared to IT sector though work load is more. Responsibility and accountability must be fixed for all staff irrespective of cadre.Loan sanction and disbursal must strictly be followed to a T.WRITING OFF LOANS AND INTEREST MUST BE STOPPED TO BRING PROFIT TO BANKS, GOVT. SHOULDN'T INTERFERE IN ADMN.SMALL AND WEAK BANKS MUST BE MERGED TO COMBATE WITH GLOBAL PLAYERS THOUGH UNIONS WILL FIGHT AGAINST MERGERS

The Banks should list Genuine clients based on past banking record, and give loans based on the new purchase Orders, not limiting to the sanctioned working capital limits.The MSMES are facing lot of financial problems due to this problem of non availability of funds when required.

Some public sector bank staff usually do not treat customers with courtesyTheir mindset needs to be changed immediately.In sanction of loans, safe deposit lockers ( without insisting on FD ) opening/maintenence etc

In one side, you are installing ATMs at various locations and during advertising you are encouraging public to use ATM. On the Other hand, you are trying to stop public to use ATMs by levying charges on use. The policy of government is not clear what government want from public. The public is confused whether to use ATMs or not as he can’t understand the purpose.

Common Processing Centre in each region to be set up with professionals to do the job and improve service. Branch set up shall be only sales and minimum service provider to cut costs.

While PSU executives always say of their lesser pay compared to Private. need to rework the arrangement for paying more cash than providing free accommodation at premiere location and other luxury facilities. Let PSU bring a culture of cash compensation and avoid freebies.

*NPA is big concern for PSU banks. even though positions created to handle NPA, what they need dynamism to deal with the problems and faster decision making process to settle these cases. Some template needed to bring transparency / speed in settlements.

Ease of providing home loans for housing and real estate must be carried out by public sectors in order to avoid deceptive interest rates by private sectors.

* The Top position i.e. Managing Director shall have minimum term of 5 years irrespective of his retirement age of 60 while retirement age is 70 in Private Sector.
* All work on IT platform but very high employee ratio even though business per employee high.
* Profit per employee very low. need consolidation of branches and efficient use of resource incl man power.
* consolidation of banks also will add value as many branches in same location.

Respected Hon'ble PM, TO IMPROVE THE PERFORMANCE OF PUBLIC SECTOR BANKS THERE SHOULD BE SUFFICIENT STAFF IN EACH AND EVER PUBLIC SECTOR BANK. THE STAFF MUST BE WELL TRAINED,WELL EDUCATED AND WELL KNOWLEDGABLE.THERE SHOULD BE SATISFACTORY PAY SCALE FOR THE STAFF. THERE SHOULD BE WELL EQUIPED STAFF AMENITIES. ATLEAST ONE STAFF MEETING SHOULD BE THERE IN EVERY PUBLIC SECTOR BANK IN EVERY MONTH. IN THIS MEETING DISCUSSION ABOUT STAFF GRIEVENCES SHOULD BE THERE ALONG WITH DEVELOPMENT OF THE PROGRESS.