My suggestions posted on December 5 were restricted to 500 characters. Now. I am posting the detailed suggestions via jpg file attached.

1) Reduce the non-core activities of the Banks, ie. selling insurance, mutual funds, gold coins. 2) Multiple models of branch banking, eg. rural branches needs a specific process and design to cater the needs of small depositors while urban banks where business dealings are large have their specific needs. 4) Improvement in the performance by training and young manpower, all staff is not required to be credit managers so please train them to handle documents, KYC and forms more efficiently.

Sir, Can we think about online transactions, purchase above 500 should be through card (even advance biometric punch and password i.e card less) every where during transaction. Stop the currency above Rs 500. This will also control corruption. Every atm should have machine of cash withdrowal and cash deposit to any account in india. DD and Cheque should also be generated through the atm machine. Maimum use of card swap machine. Complete online transaction no need to carry money above Rs 500.

1.Transparency in appointment of CMD. 2.As earlier view, Chairman and Managing Director should be two separate post. 3.Infrastructure in Banks required improvement. Till date Software used in Some Banks are so poor that it can't generate the periodical returns online. Internet facilities are poor.Staffs Officers are not capable in dealing with new technology. 4.There are lack of knowledge in the fild of Parnership, Public Sector and Pvt. Sector co. Law, 5.They are lacking behind in the fild of

cash depositing should be made paper less even without Debit card

If every is Indian is forced to have only one bank account based on their PAN number, then each Indian will be forced to deposit his/her money in one account and only then he will use this money and circulation of money will improve condition of our Indian economy and Black money will get reduced atleast in INDIA - JAI HIND

An assessment project would help 1. Streamline asset management and increase efficiency. 2. Improve profit margins vs Asset size 3. Reduce redundant and unnecessary processes(vendor selection). it takes 1 year to select a vendor in Public sector banks. 4. Cross train/engage employees to increase productivity 5. Spread government subsidies and public reach programs across bank sectors. Devise a strategy 6.Assess scaling strategy for public sector. there is tremendous scope here. Thanks.

All the customers have a right to get quality goods and services at reasonable prices. If Indian labourers are not ready to accept salary fixed on the basis of law of demand and supply, then as a customer I have a right to get goods and services from any other country. In Maharashtra at least, there is a marked difference in the attitude of nationalized bank employees versus private/co-op. bank employees. The nationalized bank employees are highly indifferent and rude towards customers.

First of all, for all govt., semi-govt. and bank employees, salary should be determined on the basis of the law of demand and supply. Because of today's labour laws, there is an artificial price hike in the labour market. This has created inequality of incomes. Human being has become cheap and labourer has become costly. If we are to combat Chinese aggression, our salary levels have to be realistic. Govt. must embark on a step by step salary reduction program.

I strongly feel to adopt the Artha kranti proposal given by a Pune based CA group, which emphasises on scrapping all the current taxes and levies and charge bank transaction charge on all business transactions. This shall help all the banks to work with more zeal and contribute to the economy