1.A bank official will not be eligible for next promotion until and unless he/she completes his/her BM assignment. This should also be applicable for person going for CMD then he/she will understand the ground reality. Making policy by simply sitting in ACs and high sounding speeches will be useless until person making policy has seen the situation/pity conditions of rural area. there should be a very transperent sytem of rural/SU/U posting. I suggest lottery system to avoid nepotism/favourism

Public bank performance can be improved by putting courtesy officer in the bank. This officer should build repo with bank customers.

There is need for a multi-pronged strategy starting with improvement from Human Resources to lending preferences-- 1. There should be fixed and variable pay for staff so that there should be yard stick for performer and non performer. As most of the official do not want to go in front line. 2. bank provides crores of loan to corporate without security whereas it insists more than 100% security from small/new clients. 3. All the official compulsory do branch manager assignment in R/SU/U area

major bank has also sanction loan under pressure of political bosses and this is a big reason to increase NPA.

Salaries given to PSB employees are very less compared to their peers in the private banking space. Raise in salary will boost the spirit of current employees to work effectively and will bring in a pool of talented candidates too. Low salary also breeds bribery and hence loans are given to parties who are not eligible ethically but on the base of bribe. This has led to bad quality assets in the PSB books! If govt cant afford the give high salaries, privatize the banks to get quality in!!

real problem is to reduce NPA's and prior 2008 when most of Branches were audit by CA firms , NPA was that time is less than 2% but after cut off point of Audit of Branches of Advance above 20 Cr only 40% of total Branches of PSU Banks under Audit , this was increase NPA because there is no checking of transaction and data also being managed by branch , this is serious issue , Audit is necessary of all branches other wise data being manage if properly reporting in my view NPA will increase.

I have written a write up on "how to build the future of the PSBs with effective leadership". If it interests you please send me a mail.

Bank interest on loan working cap or investment should not differ from China/USA/ Europe where inflation is just about 1 to 2%. Center to aim 1.5% inflation with 8% growth.Shift focus away from GDP growth to happiness index. Common not concerned with GDP statistics. Black money control should also be top priority. Private company using seeking public funds through share market,must be audited by CAG or Govt auditors also. Banks to ensure all companies plan for 10% real term growth for support.

OUT PUBLIC SECTOR BANK CAN WORK VERY WELL, DUE TO LACK OF MOTIVATION OF LEARNED BANK OFFICERS THEY ARE AVOIDING TAKING INITIATIVE. BASIC NEED TO CHANGE AUDITOR APPOINTMENT IN BANKS AT PRESENT CA WORKING IN DELHI AND MUMBAI GETTING APPOINTMENTS, SO TRANSPARENCY REQUIRED IN IT. NEXT RECOVERY MECHANISM SHOULD BE IMPROVED. OPEN FORUM SHOULD BE GIVEN TO BANK STAFF TO GIVE IDEA FOR CHANGES REQUIRED IN PRESENT WORKING OF PSB. DOCUMENTS MOVEMENT AND TIME LIMIT SHOULD BE FIXED FOR RO AND HO PERMISSION.

Give loans to developers to buy land. This will reduce the cost of borrowing for developers who otherwise borrow from private market at a very high rate. This in turn is passed on to the consumer. To keep sanctity of the real estate price, public sector banks should offer loans to buy land. This will encourage newer and talented generation to start from scratch and do wonders to the skyline of India and just help the already rich and powerful builders