The entire work force of specifically the public sector banks need to understand that they are meant for valued added services to their all customers irrespective of the nature. The unfortunate picture today if the employees work with a marketing miopia that they are in just banking than a customer service. A good example of turn around of British airways was to change their mission statement from 'Transportation' to customer service'.Too much protection of being a govt servant also hampers the

The promotion policy/ transfer policy in PSB is outdated and has not been looked at by sucessive bank managements; t ; The practice of posting all promotee officers upto Scale IV in the NATIVE state and all those in SCALE V & above must be posted around the nation; All those above 55 must be retained in their native state;Why bank employee wages are not at par with STATE/CENTRAL Govt Servants; this must also be at par; and pension must be revised once in 5years and all welfare must be available

Due to poor pay / wages and absence of staff welfare measures be it health insurance to employees, reimbursement of fuel expenses , conveyance expenditure, concessional rate of interest on vehicle,home loans are absent this is the reason why service is deteriorating and many MBA/BE/CA grads leave the PSBs after serving for 2-3 years; The rising NPA/CDR accounts are also eating into the profits of PSBs. Immediate Wage revision which is due since NOV. 2012 is not signed even after 26mths.

There must be limit for cash withdrawal from Bank like maximum 100000 per day. NEFT cheque should be invented which can cleared in few hours. So this reduces unnecessary cash transfer and prevent journey of black money. Each and every sector have availability of NEFT system. If reduce cash transaction, reduce black money.

The whole working in Banks is done on the basis of "Practices and Priciples". Following Principle will be a great deal but 80 % of old staff still believe in practices and following practices at large scale. The same thing they are teaching to young staff. This should be checked with Immediate effect. Second Infrastructure is the big problem. Merging of small bank to form large one is also required. Small bank spending amount for providing same services. Small bank hiding NPA to avoid merger.

Staff in PSU Banks should have fear of job loss, like the Private Banks. Many of the Branch Managers are corrupt. They sanction loans to defaulters time and again and have taken large amounts. They do not sanction loans to the genuine persons citing one reason or the other. The intelligence system is also corrupt, otherwise they would catch the culprits. Corrective measures like online registration of loan applications and centralised sanctioning at the head office only.

one village one ATM this scheme u have to execute in the nation. one window policy must be fluid to other windows. as i saw in DCC bank everyone can do anything. but in public sector bank one window policy i have saw many times some timee there is too much load on deposits window and other windows people have gossiping. its ok till but they gossip with that person on deposite window which tends to decrease in efficiency. hope u will understand

Government to set up Exclusive Banking graduation or PG courses in University. Setting up a dedicated banking university will help more. Nook and corner of the county retired bankers are available whose services can be utilised by colleges/ universities to impart practical training. Presently, young generation is entering banking industry in a large scale. Without practical exposure or required input they have to shoulder immense responsibility. The course can be for 1 year

1) Re-Orientation programme to be conducted for all Bank staff in Customer Service (though Work Experienced)- as at present(with exceptions)majority is seen as Unresponsive,Arrogant & Godly. 2) Accountability & Response time vis-a-vis Customers transactions. 3)Money lending business done by certain staff in a day with bank money & tallied by the end of the day in outskirt areas may be looked into, as earlier it was seen.4)As work&staff constraint seen, staff interaction- major&system-minor works

Sir, Banking can be outsourced as a "franchised" business to private individuals. This will help reach masses in rural areas, reduces costs and administrative burden and will improve efficiency. This kind of model is best for new Postal Banking initiate which separates banking functions from postal services.