I work in a public sector banks. Here are my suggestions:

1. The GoI has been trying to push for consolidation in the banking domain. However, RBI has been inviting proposals from private companies for banking license. These 2 are not in sync. We do not need more banks. Consolidations is must for synergy. 2. All public sector companies & governments should give business to ONLY PUBLIC SECTOR BANKS. 3. Saturday should either be holiday or full working day. 4. No loans should b given below RFR

Agar aapke pass 5 village h jinme bank nhi h unme se kisi 1 village ko base village bana kar usme 1 ATM machine lgani chaiye 24*7 kaam kare jisse kisi ko jab bhi rupee chaiye wo uss ATM se niqal sake..

1.Salary payment of govt. employees should be distributed among all PSB's instead of SBI. In other words govt. employees should have the choice of banks for their salary payment.
2.Strict law should be implemented for NPA customer.

ग्रामीणों व गरीबों को लोन सहित विभिन्न सुविधाएं देने में सार्वजनिक क्षेत्र के बैंकों का महत्वपूर्ण स्थान रहा है। बड़े बकायेदारों के कारण इन बैंकों का एनपीए बहुत अधिक बढ़ चुका है। पीएसयू बैंक बड़े बकायेदारों से वसूली तेज करें। केन्द्र सरकार भी बड़े लोन देने से इन बैंकों को बचने के लिए कहे। इससे कम हुए एनपीए का प्रयोग गांवों में पीएसयू बैंकों के विस्तार में खर्च किया जाना चाहिए।

सार्वजनिक क्षेत्र के बैंकों को सुधारने के लिए उनकी सेवाओं को सुधारना जरुरी है। ज्यादातर देखा गया है कि सरकारी नौकरी होने के कारण ये बैंक अपने ग्राहकों को सुविधाएं देने पर ज्यादा ध्यान नहीं देते हैं। पिछले कुछ समय में यह धारणा थोड़ी बदली है, लेकिन अभी इस क्षेत्र में काफी काम होना बाकी है।

No loan by force.Physical verification of assets & transparent charge with authorities maintaing record of assets.Printing minimum sty.only as per need e.g.pay in slip for cheques be replaced by writing a/c no.& phone no. on the back.CAs be accountable for manipulating B.S.&LEGAL ADVISORS FOR SUBMITTING WRONG SEARCH REPORTS.DIARIES etc. BE given to good depositors & borrowers keeping record.Diwali gifts by clients to bank staff be abolished.On line transactions & SMS MUST BE FREE.COUNTERFRIENDLY

In jandhan No of tranasction will me more amount will be lower to cater the same PSB may be allowed to appoint some contractual persons particular for non critical areas like customer for filling forms,etc

Due to massive success of jandhan many things a needs to be looked upon as the population covered under jandhan needs to be assisted by some staff [as they are these customers are newer for Bannking] and despite of good bank staff intention to help them they cant afford to do the same as the have heavy work load and the No of cuastomers and No of transactions will increase by leap and bounds if we can provide good servive educate them so consuquent increase in manpower should is needed

connectivity and electricity.

Suggestions - improving performance / profitability of Public sector banks (PSBs) (JPEG file attached) :-

1. Other income (treasury, forex, credit cards) needs improvement. Better talent should head such departments
2. Create a 'Cross selling Department', to sell other products to existing customers.
3. CMD be split into Chairman and MD, Independent Directors appointed for superior decision making
4. Performance bonus
5. No Govt. interference

Regards,
Rajkaran Singh Bhatti, 9780005656