consolidation of banks especially associate banks with SBI and small publicsector banks with large one to become world players at the same time run the bank profitably with service motive

Dear sir i am sugesting followng sugestions 1.First of all we should make stringent laws to control the NPA's. 2.While giving free hand for corporate credit we should make frame work to not allow them to escape as the major portion of Npa's are because of them not because of poor farmers. 2.We should make the public sector banks attractive by providing good infrastructure and robust software. 5.Finally we should motivate employees by giving good work conditns and better wages.

The biggest problem I see with banks is their very bureaucratic way of working and approach to customers. This happens even at branch level, leaving not only customers but also the bank staff frustrated and pushing them towards private sector banks, where the work culture is much better, though prone to several hidden charges. I have personally experienced how a good and proactive branch manager is able to keep customers happy, thereby increasing the deposit collection multifold.

Dear sir I am providing some suggestions to improve performance of public sector bank 1. Provide micro finance (i.e. finance up to rs. 1 lakh to skilled person) 2. Recruit more bank mitra to cover rural area 3. set up passbook printing machine to all branch 4. provide training to customer how to use net banking 5. make effective phone banking service 6. set up seprate Insurance selling counter 7. celebrate festivals with customer 8. to sale premium no. curriency note (i.e.000786)

1.RECRUITMENT OF SUFFICIENT MAN POWER WHICH THE BANKING INDUSTRY IS FACINGI.E.HUGE CRUNCH OF STAFF SINCE SUCCESS OF ALMOST ALL GOV SPONCER SCHEME DIRECTLY RELATED TO BANK AND BANKING INDUSTRY IS ALREADY UNDER THE HEAVVY PRESSURE OF WORK LOAD DUE TO MAINTAINANCE VARIOUS REGULATRY COMPLIANCE AND CSR RESPONCIBLITY AND MASS BANKING 2.REATINING/ATTRACTING OF GOOD TALENT FOR THE BANKING JOB BY OFFERING REASONABLE SALARY OR AT LEAST AT PAR WITH CENTRAL GOV EMPLOYEE .DUE TO LOW WAGE AND HEAVVY WORK LO

Investments ,which give senior citizens,a rate of interest ,say 11/2 - 2%more than the inflation rate,would be beneficial.I trust PSBs,more than private ones,as they are more profit oriented for themselves,than PSBs.

Public Sector banks are largest player in working capital finance & project finance. Risk level are high as in most of the loans the percentage of collateral is 20.-40%. But when any account gets into NPA it becomes very hard for the bank to recover the same by disposing off assets as it has to take multiple approvals and during such period the value of some asset may decline. So we should create mechanism for digitalising the collateral so that the same can be sold off without any delay.

(1) Performance Bonus for Reward / Punishment may introduced for Public Sector Bank employees which depends upon recovery of debt. , system follow up , loan passed , punctuality customer relations (new customer as well as continuity of Old ) etc. means KRA of each branch. Time frame of each assignment / application all work should be on line and for verification fix appointment with customer. One pensioner branch for all type of pension i.e. central , state govt emp. must be open in all city

It's next to impossible to place our concerns beyond RM level, Banking Ombudsman is hopeless idea of RBI which acts more as bank's agent rather redressal platform for client.. Have faced numerous failed attempts. neutral agency - be it under finance Ministry need to set soon.

For personal loan purpose private bank ICICI /HDFC show int.13.75 % but it is only for employed in Blue chip company's why the policy is not uniform? required uniform policy for any loan because they are applying only old sahukar pattern. Indian citizen require change in this variable interest rate and their recovery pattern i.e. loan for minimum 6 months why? It's an emergency loan and if anybody wants to deposit within one month they refused or charged minimum 6 months interest.