First of all decide the character of the PS Banks i.e.whether they are commercial banks or social banks. PS banks are made to busy all day for non commercial activities. All parameters on which the performance is being monitored are international parameters. But do they monitor/evaluate the time/manpower spent in dealing with SC/ST pension,freedom fighter pension,no frill account,widow pension, disabled pension, Prime Minister Rozgar Yojna, Chief Minister Rozgar Yojna, DUDA, DIR etc. etc.

Sir,try to recruit the young and dynamic PO offficers, instead of raising the difficulty of the exams

There are 3 major causes for poor performance. 1. Leadership - selection of CEOs to be apolitical. Promotion to be based on performance and leadership potential. Consider allowing external candidates as CEOs or senior management. Improve career progression to build a cadre of motivated leaders. 2. Accountability - make bank leadership and management accountable for performance including large NPLs 3. Governance - director selection. Change process, must have experience in Fin serv or industry.

All the banks need to first ensure smooth service to the existing customers. We often find that even the educated population of India face problems in online transaction. So rather than just expanding branches , the banks should also focus in customer satisfaction.

Although we cant privatize PSU banks but we can make their service rules as per private sector. A bank should decide salaries and incentives based on the profit it generates and employees in all govt banks should not be allowed to enjoy same salaries and perks whether they are efficient or not. Special incentives to include promotion etc. be given in case an honest bank employee reports any fraud being carried out. NPA alert be entertained through whistle blowing with due incentives.

1.merge all banks keep only one bank i.e STATE BANK OF INDIA 2.OPEN BANK (SBI) branches at every 1000 persons so that bank can approach people easily 3.open atm at every branch 4.keep security guard at branch 5.make token sysytem 6.give loan credit card by their ability 7.give very body a atm/debit card 8.stop Rs.500 and Rs 1000 rupee notes which is no use for poor people 9.make compusory that every transactios above Rs10000 will be done by A/c payee cheque or any card

usually branch manager 50,000 less than Rs fake credit give. Government small loans forgiven will which these money manager grab take. Therefore the government debt not forgive should, or link monitoring should.

Banks rush to reduce the need to open the new kiosk.

ENSURE CAPITAL ADEQUACY OF RECIPIENT OF LOAN PSU Banks must follow prudential norms while lending to implement public private partnership (PPP) projects in India or abroad. The principal participant of the promoter group must have subscribed to shares of special purpose vehicle (Spv) Company in cash at least to the extent of 30 % of the total project cost before a PSU Bank may consider lending to the spv. This would prevent lending by PSU Banks turning into NPA in PPP projects.

5) Human Resources can be trained in a specific line of banking, ie lending, branch banking, retail banking etc. why should one personnel learn all the work. 6) Also, recently read that India Post wants to become a bank to leverage its post office network. Why cant State Bank of India can enter into an agreement with India Post and leverage its network for financial inclusion goals. That would take less time and will produce more effectiveness. And also lets plan this for the least banked places