1. Allow MNC banks to take over weak PSB banks at market value to equal voting rights as residents. 2. RRBs & Cooperative Banks to be run like affiliates/ subsidiaries of PSB.

PSBs performance is seen based on total Balance sheet size Deposits +loans=Total business but it is wrong criteria and banks do window dressing ,at last moment they take deposits at more rate and give loans to corporate at Base rate ,LTD [incease FD deposits side and loan on that Increases Loans side] both resulting in lesser profits are Banks are required to maintain CRR,SLR on closing balances.contrary Pvt banks reduces there B/s size and reduce Statutory CRR/SLR and increase profit

1. All PSB Business Intelligence Analysis to be merged in one & provide common standard input for all them to secure & grow.. 2. International practises & automation to be used max. 3. Standardise all processes in critical line risk. 4. Customer service to be standardised & if required outsourced to ITES companies.

take the opinion PSB staff who are working in field level. If the head of the family is good minded, children naturally will be of good minded. Same happens from in PSB hierarchy. Roles & responsibility of public sector banks are completely different from private banks. Never compare PSB's with private banks. Similarly never compare SBI with other PSB's as SBI is enjoying fruits of govt business. PSBs can be merged and controlling offices should be setup all Revenue divisions of the district.

1. Number of directors based on balance sheet size only.. 2. Only professionals allowed to be directs. 3. HR rating to be merit based & not fixed term scheduled promotions.

Why Loans to SME loans are not increasing and consequently hampering indias march to become developed economy ---PSBs bank officer will grant loan to SMEs /corporates they will enjoy the money and whenever they will default Banks management will punish honest officers only and borrower will always enjoy-The reality is that Banks staffs are under deep fear and even after working in good faith they are only punished and defaulters are enjoying all benefits---So Defaulters needs to be punished a

1. Cleaning Balance Sheets: If not happening allow it to merge with others. 2. Allow private sector banks to take over public sector banks. 3. Make Big 4 banks by merging as Government is largest owner. 4. Outsource IT management & legally bind them with cloud computing 5. Add Next Gen employees for serving next gen customers...6. Make credit decisions more objective driven & not subjective..7. In 9 months no paying of dues , directly legal case for recovery... all those DRT to be scrapped ...

NPA has become a head-ache due to work pressure and job transfer. People aware of this take advantage of the situation on thier favour. A permanent monitoring and follow-up team should be created on district level. Their frequency may lessen the fraud and trace customer momentum. No need for legal suits means an expenditure cut. And no OTS also.

In these e-banking scenario competition between all the nationalized banks is a meaning less one. When there is no efficiency bar on the career as like that of a private bank it is better to merge the banks at least in four zones. Unhealthy competition leads to bribing and window dressing. Government funds has to be parked in equal proportion among these banks or zone. One software, One ATM card (No withdrawel restriction). This revolution bring a colossal change. Other things change naturally.

Loans to singles after age 30 is also a problem, specifically women. I faced this issue when I started my new entrepreneurial journey and finally I had to start with my own savings without any loan. Also, one more point is when the EMI has been raised by the borrower, the formalities for reducing it at a later date, when the borrower faces some tight situations is another big issue. The norms need to be simple to reduce EMI, if it has been increased voluntarily by the borrower.