Full use of IT like in new gen. private banks. This will keep the operating expenses minimum. Open more branches to reach everybody, with least number of employees. Connect all accounts with Aadhar card so that manipulations are avoided. Train staff periodically to act as servants of people, not their bosses. Privatization is not the answer. Use professional management. 51% or more share must be in govt. hand. Strict control by RBI and CVC should be there.That is why we do not have any bankrupts

Merge all banks below Rupees 200000 crore balance sheet size. Merge all SBI and its affliate banks. Increase the capital of banks by going for overseas listing or GDR. reduce the stake of government below 50%. Remove CBI & CVC supervision.

Clerical cadre should be sized down drastically and replaced by supervisory cadre.2.Performance and not exams should be the key criteria for promotions.3.Inspection departments should me manned by people who have through knowledge and not by people who are willing to travel and see it as an assignment to keep away from branches.Social objectives/obligations of banking should be handled separately from regular business banking. 4.Option to revert back to lower grade should be introduced etc.etc..

Sir, Large number of NPA indicated that risk assessment of loans issued is poor and also indicates accepting business projections submitted by customers' for loans without challenging them. A tight policy and good training on risk assessment will drastically reduce NAPs.

I am Santhosh Kumar From Thrissur District - Kerala State. several government implemented schemes for controlling populationIf it controlled by law, there will be more complications like minority majority communal problems. If ‘Desh Bhakth lok” trying to control the birth, they will become fools, they will get nothing. If you are offering 10% or 20% reservation to single child on government jobs, military forces, state government jobs, central government jobs, there will be a dramatically change

Due to technology, banks are working on Core Banking plate form. branches are overloaded with non productive work. 1. increase the number of branches but lesser staff, say 3-4 only who will service only day to day needs of general public like account opening, receipt and pay cash, issue cheque book/debit card/pass book etc. rest of the work like loan processing, recovery, data correction, submission of MIS should be done by back offices who may work for a cluster of branches.

employees are the real asset of any organisation. until they get involved, things may not improve. presently bank job has not remained attractive because of lesser salary, undue pressures, long working hours.1. do the wage settlement at the earliest. 2. make the employees accountable at all levels. 3. give freedom to take courageous decisions by removing fear of staff side cases/vigilance cases.

1) banks already take ATM charges then why limit no. of ATM usage?this is not the way to control rush in ATMs but to loot money. upper limit on debit card should be increased. some shops charge extra if u pay by debit cards,stop that. if people will use debit card for payment directly then automatically ATM rush will be less. stop paper wastage in ATMs. paper receipt shud b given only when customer wants so, there can be such option after transaction. 2)loans are serious issue. care loans are cheaper than education loans. why so?banks are after common man if defaults and somehow manage recovery,but what happens to them when it comes to big businessmen???

Plz help me in loan procedure I'm student and struggling for educational loan 2 months ago now still my file on Clarks table why not it's pass forward Now, I'm can't pay my fees and these fox like national bank employees are continues harassing me and my family Why? Is that sector give importance and plz help me I'm from, Ambajogai, Dist-beed,Maharashtra 431517 -plz improve this sector otherwise open categories students can't get education , MODIJI says P2G2 Pro people good govt

Sir, 2 months se mai aur mere papa sab kam chhod ke bank ke chakar laga rhe hai .,, Sale kutte educational loan ke liye 2 months se bhaga rahe hai humhe , Roj papa jate hai aur 1 hi jawab milta hai , Abhi file manager ke pas nhi gai kyun? Kyun nhi gayi pata nhi? Aisa bolte h ye kutte , Hum ab kaha se college fees pay karu?? Itni lachari mehsus kar rahu bata bhi nhi sakta issme karo kuch toh live example khup mai hu From, ambajogai, beed , Maharashtra. 431517 systm chge kro like P2G2