1.PSU Bank Grossly Undervalued comparing the peers. 2.A Strong PSU Bank with High Brand Value can lead and equaly compete with Private Sector/ Global Peers. 3.All PSU Bank except SBI Group lack a Global Respected Brand and needs to be merged to created 5 large banks. 4.Need to create 5 major International Global banks excluding SBI group. 5.All PSU banks need to be merged into 5 banks in such a way the Branch Distribution are evenly all around India with minimum overlap.

1.Redefine the priority sector lending. Provide exclusive benchmarks for each activity depending upon their area of operation. Let the banks to come up with their own benchmarks. 2. Provide incentives to the performers and punish those who are not upto the expectations. 3. All the ground level data must emerge from Core Banking Solution data only so that there is no manual maneuvering 4. Give equal importance to loan recoveries. NPAs in govt sponsored programmes are very high.

Stop using Public Sector banks to finance crony capitalist businesses. That's the real source of NPAs and non-performance. Please show that this Govt is different. Expose all such deals from the past.

Public Sector banks should must cooperate like family members for their development in rural areas..as when people will feel they are respected they will not default willfully

Sir not a single FIR has been filed against large borrowers upward of 100 crore who have defaulted while small people have been harassed by PSBs such actions distroys credibility of good governance of goverment. Sir people are watching every move of your goverment.

जब सार्वजनिक क्षेत्र के बैंक अपने ग्राहकों को भगवान मानकर उनसे सम्मान के साथ पेश आने लगेंगे उनकी हालत अपने आप सुधरने लगेगी...क्योंकि दुनिया का गरीब से गरीब इंसान भी इज्जत और सम्मान से जीना चाहता है...अगर उसको सम्मान मिलेगा तो वो सार्वजनिक क्षेत्र के बैंकों का रुख जरूर करेगा...

Free all PSU banks and Regional Rural Banks from pressures enabling them to go by merits alone. At district places even local dons, political leaders and bureaucrats may pressurize them for favours for themselves and their favorites.The same is true of other levels including the top. Then make them accountable for NPAs due to any deliberate lapse, delay or undue favor. Rope in the Trade Unions and Officers Associations for a policy of hire and fire, after building social security.

All PSU banks to be studied and select banks to be merged. Compensation & organisation structure to be reorganised on the lines of corporate banks. Completely eliminate the concept of grade pay etc. Performance appraisal system similar to private sector banks to be followed. Tenure of Chairman / MD to be at least 5 year and selection criterion to be free from political interference and 100% transparent. Push for technology usage so as to reduce requirements of manpower.

Public sector bank can improve by studying case study how private bank success.Employee should be customer friendly.There should be a little win win tolerance on loan sanction like other private bank as poeple prefer private bank due to less paper submission or after passing of loan customer can give some papers.for example to take home loan pople working in private firm can fastly sanction loan from private bank compare to public sector bank.The public sector bank needs to fast processes.

If bank denies any loan then customers have any places where he can complain, like head office of bank, district magistrate, lead district manager etc. There you can complain without having any valid proof and document. But what a banker can do if a borrower simply refuse to pay his EMI or outstanding amount with a simple reason that I dont have enough money to pay my outstandings? Why does in such cases any LDM, DM, or any politician intervein? Please think on it to stop esconders..