Centralised Processing cells-CPC generate loans/Customer can directly approach CPC - and there all formalities like duediligence ,Credit decision,Legal formaliti , documentation account opening and release of loans must be done centrally,Branches should be left with Cash handelling and clearing.-----Credit only Branches -Each work i,e credit by CAs ,Documby Legal person,account opening by Regional computer centre-RCC based on sanction letter and Disbursal in syastem By RCC after compliance

Bankers are fear of taking decission as their decission is being questioned by investigative agencies in future, when one account is going bad, Even God can not protect all the children taking birth in earth everyday, as few of them die soon after birth. Fear psychosis among honest bankers has affected credit growth in bank . Government should look into it and all the bonafide decissions takers should be protected. At the same time those who are indulged in corrupt activities should be punished. I always believe a Super Vigilant in the form of GOD is watching our all activities. If anybody doing a wrongthing he will definitely be punished by HIM.. Simillarly our good work is rewarded by HIM. Government should act to do away the fear psychosis factor among bankers.

PSBs can adopt Practice of PVT banks specially in Retail and MSME loans.Centralised Processing cells-CPC- Must operate centrally.Presently a customer MSME if wants to avail credit facilities 1.He approaches Branch. Branch loan officer-Assistant Branch Manager-Branch Manager. 2.MSME cell Processing officicer-ABM-BM. 3.Regional Office-Processing officer- Chief manager-Assistant general manager-DGM-Regional Head 4.Zonal office---Same procedure as above. 5.Head office same as above Lenghty

The NPA Levels of the Branches not subject to Annual Statutory Audit is far ahead of the currently stated levels. Even the currently stated NPA as currently disclosed by such bankers too is untrue. A Random Sampling of all the branch audit reports, will reflect that all the branches reflected higher MOC and consequent NPA recognition by respective auditor. All the private banks too shall be subject to Annual Statutory Audit, as is the case in PSB. Pvt banks are playing with money of Depositors.

In order to improve performance of banks, it is time to improve skill of middle level officers those who have more than 10/12 yrs of service by giving them one year in service training in Risk Management. Similar type of MBA trraining is also given to IAS/IPS officers during their mid carrear. Because these people will handle large amount of credit accounts in future. Earlier simple graduates have joined bank as po 20 yrs ago. presently they are in middle of their carrear. Giving them training will develop their skill &knowledge. Further government should think seriously consolidation Of banks. THIS WILL HELP GOVT. IN CAPITAL INFUSION, STOP UNHEALTHY COMPETITION AMONG BANKS FOR BUSINESS. . Salary of bank staff/officers should be incresred. Transparent transfer policy should be implemnted in banks. Banks should be given legal power to recover loan. Examplary action should be taken against illful defaulters.

1. Accountability to be fixed for all employees Enforce accountability for all employees. At present, only one cadre is made accountable. This affects the morale and productivity. 2. Performance linked incentives This acts as an incentive to perform better and will surely improve the performance of banks. 3. Emphasis on Customer Service Training programmes should be continuously conducted to all cadre of staff on Customer Service and improvement of customer service 4. Speed up decision making

Despite the data centralization in PSU's the convenience for customers is a workable area. For e.g - if I have to update my address in SBI, I have to go to my home branch for that, unlike private banks where I can go to any branch; fill form and update my address.

Still there are branches of banks which are not Pension Authorised Branches. This defeats the purpose of simplification of pension procedure. what is the harm in allowing all the branches of the same banks or for that matter all the branches of banks as pension drawing banks. Something needs to be done.

Nationalised banks should be set free except State Bank group so that they can run on their own. It is high time to make these those nationalised banks private. The performance of those banks will improve overtime when they are left to take their own decisions.

First & important suggestion teach them what is politeness, true value of customer.In rural area people are scared of them. They treat bank personnel like god, it should be vice versa.