Recruitment of more employees for better service. Merger of regional Banks to create central Bank. Salary should be with RBI structure to make it corruption free or link it with Central pay commission. As PSB do social Banking so budget system in PSB should be stopped else advancing decision should be strenthen. No frequent transfer to people working in Credit. Performance based salary. 5 days business day for more rest seeing the stressed nature of work. Employee friendly transfer so no rent

Recruitment of new staff so reduction in cost more volume of work and reducing the un employement. More lengthy stay for Loan handling people so Banks should not be decited by the clever public. Less transfer less cost on banks and more awareness of Local People. Transfer in home state only so language problems can be avoided. Banking should also be attached to Central Pay commission. Officer salary should be more than clerk working under him/her. Ladies should be given transfer near to her hous

No competition from Pvt Banking as they do social Banking. Record of people who availed benefit under Govt Sponsered scheme as same people availed benifit from different dept being the influential family in the Village. Banks should be given selection rights for govt sponsered scheme. New Regulation for making Wilfull defaulter criminal offence so NPA can be reduced. Police support in recovery process to reduce the NPA. Employees friendly transfer policy to reduce the cost of Lease expenditure

1. Regulated Business Hours. 2. Salary par with Govt/ Private to minimise corruption.3 Bring Banking under central pay commision 4. Performance based salary. 5 days week like west and central govt for better health management. Keeping their family together by building house for family and saving billions of ruppees and Lease rent. Removing Zonal offices and Local head offices, 2 controlling offices 1 at Regional Level & 1 at Central Level. Giving autonomy for deciding salary of their employees.

PSBs are compared with private banks without providing them the level playing field to them and without discounting for their legacy issues, being old in the field. Performance of the banks be compared separately for their Indian Operations and Foreign operations, separate balance sheets be prepared for commercial operations in India and abroad as well as for social welfare govt. directed operations. It will help in analysing the real root cause of the problem and to properly address it.

The unhealthy competition amongst banks which is only enriching the already rich people , be immediately stopped. All branches of the bank should not be asked to do all activities. More focussed approach is required ,so branch wise activities be decided keeping in view the area profile, customer profile. Every branch should also not be compelled to do all types of banking activities , only specific branches identified by the banks should be asked to do social banking ,specially govt. Schemes

The profitability of a bank depends on the commercial activities but PSBs are also required to do social banking and promote and implement various GOVT. schemes or even used as tools for furthering political agenda resulting in lot of stress on bank's resources and manpower. Govt. should provide additional resources for such activities and productivity be assessed after discounting such activities, mererly cursing or underpaying hard working employees on pretext of low profits is not correct.

All employees especially the officers in PSBs are required to work under extreme pressure, multitasking is spoiling the quality of work , since the banking has undergone lot of evolution after globalisation, the specialisation/ expertise is required in many areas so there is an urgent need for creating social cadres in various areas. Manpower planning in banks should be assessed scientifically keeping in view the type of activities, geographical locations , need for minimum manpower required.

All PSBs are facing acute shortage of staff since there were no recruitments in Banks for 20 years (1986-2006). Staff recruited enmass during 1975-1985 (post nationalization & expansion) are now retiring in large numbers. In next 2 years, PSBs are losing nearly 20% of total staff. There will be a vacuum of middle & senior level officers. All Branches, delivery point of Bank’s products/services, suffering without adequate manpower. Special recruitment drive for Banks is the need of the hour.

Election commission must ban assurances of Debt waiver. Debt waiver is causing every borrower to stop repayment. Self Help groups(DWACRA)in Telangana (which were told as 100% recoverable loans with group pressure, now turned as 100% not recoverable) are looking for debt waiver like Crop Loan borrowers even Telangana Govt. not promised. They are not coming forward to repay the loans. Central Govt. should look into the matter.