The biggest drawback for better economic activity is bank not ready to provide financial assistance to SME segment. It is known fact that NPA for SME is very small percentage with the rider that it can be recovered without much hinderance. Also our bank keep restructing the bad loans in hope to recover the earlier loans, but success rate is very low. Hope that bank starts lending to SME which can create rural jobs too

NPA figure of Private banks are not realistic due to fact that Audit of these banks is being done by one firm of Statutory AUDITOR appointed by banks itself. Firm of auditor is certifying Advances on centralized basis without verify primary security of advances of most of branches. RBI should appoint statutory Auditors of private banks at least once so that primary security of most of branches could be verified and true figure of NPA could be known in the public interest

We need full transparency and accountability in Banks. I am facing a piquant situation where the Banks top management have covered up gross illegalities and have shielded the perpetrators. RBI has washed their hands off asking me to approach appropriate forums. I will do the needful but what about the inordinate delay the judiciary takes to adjudicate. The concerned bank Bank of India Ashram road branch Ahmedabad

If the top 400 NPa on public domain are analysed one finds large no of NPA where in the promoters contribution is fully encumbered. Why will a promoter be serious of turning around a unit where he does not have any stake. Banks are in a goose chase. Why did banks lend to cos where the promoters did not have any stake? why did banks permit dilution of stake in contravention of loan covenants. max disincentive for grant of an irregular loan is downgrade of two increments thus there is no disincen

Performance Audit should be compulsory for public sector banks every quarter. That report should be submitted to a highly qualified expertise team in the banking field specially recruted for this sole purpose by the PM. This will ensure the banks that they will have to improve their performance otherwise the PM is watching...

The prime cause of growing NPA is selection process of CMD / ED. 70 pts is there for ACR & 3o pts for interview. EDs / GMs grant irregular loans which turn NPA at behest of CMD to get good ACR. 50 pts should be there for RBI Annual Financial Report where in quantifiable scores are granted & 20 pts for ACR This will reduce influence of CMD in getting irregular loans sanctioned through pliable EDs / GM It is evident that there is large scale quick mortality slippages to NPA when a CMD retires

Create 2 big global psb with global footprint. Such bank to provide world class services freed from social duties like psl and rural footprint.
Small National banks can be used for rural and social purposes, so that big banks balancesheet is not eroded. Make arrangements to reduce bank footfall, so that lower need for branches and so reduce costs. PSB lead by people from diverse areas even private banks. Free global psb from slr and crr. To check NPA use credit guarantee fund with diverse invst

Why don't you compare yourselves to private bank sector? you must get all the answers. Public bank are very bad at documents stuff. They have to understand customers issues and try to solves them as soon as possible. SBI sent debit card after 2 months and pin has not been sent out yet. What the hell ate they doing? Guys be quick at work not like old. Modi ji says that we have youngsters which is great thing. Why don't you have any single young mate in public bank? Need youngsters who can change

ग्राहक मित्र होने चाहिए हर बैंक में जो ग्राहकों के काम में मदद करे जनधन योजना में ऐसे लाखो लोग खता खोल लिए है जिनको बैंक के काम की कोई जानकारी ही नहीं है इसके अलावा लोन देने के मामले में सरकारी बैंको की प्रक्रिया भी क्लिष्ट है लोन न दे के बैंको का ही नुक्सान होता है लोन प्रक्रिया पारदर्शी होनी चाहिए और 20लाख तक का लोन हर इनकम।टैक्स देने वाले को आराम से बिना गारंटी दिया जाना चाहिए इस से इंकोम टैक्स देने वालो की संख्या भी बढ़ेगी

http://www.hindustantimes.com/punjab/chandigarh/banker-kills-self-names-2-seniors-in-suicide-note/article1-1236514.aspx
The above link is an example of excess work pressure in PSU banks. Profits erode not because of loans sanctioned by employees at the branch, but by top level MDs and CMDs. What steps has SBI taken to recover Kingfisher?? huh?? Bribe case of SBI MD Shyamal Acharya??Has any PSU bank ever disclosed their real NPA figures??These fraudsters form IBA n not ready to pay a decent hike