major concern of public sector bank is NPA and the main reason behind increasing NPA is that customer willingly not paying the overdue and taking the benifit of one negative aspect of PSB, transfer of Branch Manager on every 2nd or 3rd year, so take the loan and then not pay the amount so bank make provision for loss asset and than manager change than again the same fellow get the loan from same branch..so the policy of transfer must be changed to overcome the NPA.

Old bankers r on verge of retirement....newly recruit r not interested to continue as better option availible outside wih good perks n salary. Retention of staff be checked by Banking Division by calling stats from different banks Give them salary they will work n griw the banks services

Public Sector Banks should revamp their Greivance and Complaint Handling Systems urgently to match up to level of Services provided by Private Banks. There should be automated online complaint and greivance management system so that there is no interference by vested interests in hiding the complaints.

1. Bring sense of belongingness among employees of PSBs 2. transfer policy be employee freindly, as people posted outside home are not interested in work but to pass the tenure. Implement ur August guidelines for women staff , ask PSBs to submit compliance report 3. Salary of manager is insufficient to give respectable life to thier family. Xth bipartte is pending from 1.11.2012, please settle the issue Only Relax n happy employee can deliver. Past shows that Banks can perform

1. Computerized Deposits of physical Cheques are to be forwarded to bank by E-Mail attached form for clearing. Or to have Big Box at Railway Stations, Post Offices, Bus Depots etc. by giving "All Banks Mobile Clearing Agent" status to new young boys to create more Jobs. 2.

I think including those youngsters who want to do bank job but does not selected due to various reasons. If youngsters can be placed at those vacant places speed and efficiency can be corrected.

PBS work on two factors Social and economical Social: Easy availability and easy accessibility, Economical: inclusive growth engine Suggestion= PBS should be of two types. Type1:For Non IT Payers. They should serve both of the above facto Type 2: For IT Payers. They should serve only the economical factor Effect=Both classes (non it payers and it payers) will get prompt and better services This will segregate IT payers and Non IT payers Bank managers andother

बैंक और बैंकर अपना सर्वश्रेष्ठ सिर्फ तभी दे सकते हैं जब उनसे उनका काम करने दिया जाये | बैंक एक व्यावसायिक संस्था है उसे अपना खर्चा खुद ही कमाना है जबकि बैंकर आज जमा एवं ऋण देने के अलावा हर तरह के non-productive कार्यों में लिप्त है जैसेकि insurance, इलेक्ट्रिक बिल, पेंशन, PAN कार्ड, बैंकर का इस्तेमाल सिर्फ बेकार के कार्यों में| जब तक हमारे फाइनेंस मिनिस्ट्री में बैठे लोग बैंकों के फंसे ऋणों को वसूलने में मदद और वोट बैंक की राजनीति बंद नही करते; जो बैंकों का लाभ चूस रहे है

Put more decission maker CEO , MD in the banks, all CEO and MD at present are doing nothings in India , specialyy nationalize banks,

The Banking sector must change the TOP Leval staff becuse these are useless not making any decission, Practically Indian Nationalize bank should be private or should change the system with more and more difrent relgions people, I am soory to say the banking sectors are capture by only particulare Hindu comunities which is not allowing other comunities to work in side the banking sector, you will never find sikh, Mulsim and other cast peoples in the banking sectors may be there only 1 to 3% this has to be change, I am not here against with the particular cast who is rulling most of the money sectors in India but they are not decission maker, not supporting for the commman man in India , just visit the Nationalize bank site from top to level you will find particular Hindu comunities people rulling the banks which is not good for the Indian economie ,