SBI has the best online banking platform, let all other banks also use the same online platform. For instance Bank Of India has the worst online website. Why not let Bank of India also use the same web platform as SBI? This will help attract customers to use online facility more than the physical branches.

(1) Please consider customer satisfaction as an important criterion in assessing job performance of bank employees. (2) If possible please recruit employees only on contract basis. Permanent jobs make human beings lazy, rude and arrogant. (3) Seek suggestions from local people about their specific needs and expectations from the bank. (4) Kindly instruct bank staff to make manual entries in registers when computers do not work, or when Internet does not work.

1. All public sector banks should be consolidated in five Nation Banks.2 there should not be multiple bank branches in same city. For example there are 28 bank branches in very small town like Pratapgarh and customers are cheating banks facing cut throat competition.3Regional Rural Banks should be consolidated in a single entity and they should be made pioneer in rural banking.4Staff including officers upto Scale3 Should be posted in same state.5.Salary etc should be at par entral govt.

An effective complaint handling system is essential for banks. Banks today have no system to handle customer complaints. Whatever namesake system they have it only makes customers frustrated. Bureau of Indian Standards has published a standard on Complaint Handling Management System - IS/ISO 10002: 2004. Banks should adopt and implement this standard in their working. Believe me, it will improve the performance of banks. http://scg-24yrs.blogspot.in/2014/06/isiso-10002-2004-guidelines-for.html

Banks top executives today are more worried about profits rather than social service every quarter lot of pressures on branch managers to achieve targets.very less stress on improving customer satisfaction.only rich customers are treated well and others just for the sake of it. Banker's salary also needs urgent decent growth to keep their morale high

(1) Govt. should post CMD and EDs of PSBs from within the Bank to ensure better understanding. (2) Indian Bank Association should be strengthened to make uniform policies with regard to recruitment, promotion, transfer and posting of Bank employees/officers. Govt. should issue instructions in this regard through IBA only to ensure uniformity. (3) Wages of Bank-men should be linked with other PSU employees/ Central Govt. (4) Non payment of Bank dues should be declared as criminal offence.

Every Public Sector bank has failed to arrest the issue of retaining new blood in banking industry. Human Resource is the biggest Asset of any organization. As per reports half of the banking staff is set to retire in next 2-3 years. Presently, every bank is opening more and more branches but recruitment is not done with the same pace. In order to reduce to the attrition rate Govt. must ensure early & respectable wage revision of Bank employees to attract new blood into banking industry.

1) make 5 days working culture. 2) provide infrastructure required and manpower required which have skills and not just for sake of putting on papers and of no help. 3) bring 360 feedback mechanism to evaluate seniors also. 4) increase salaries so that enthusiasm and zeal is there and attrition lowers.5) bring vrs for 55 plus and replace immediately with young people.6) young educated new joinees should be giving signing power at clerical level. 6) increased use of technology and reduce paper .

Every bank account should provide a checking and savings accounts. Checking account will be used for all purchases and savings account will be used for saving the money to savings account under same bank account

Technology is fast penetrating into every sector and banking is not an exception. Given that future of banking is going to be even more dominated by technology, it is important to a) create a shared vision for banking industry in general & identify those performance measures to drive efficiencies. other suggestions include b) Like a food court, PSBs may form Bank Court for sharing infra costs, c) common credit cards d)appoint banking facilitators to speed up processing of industrial financing