OUR BANKS ARE WORLD CLASS INSTITUTIONS WITH BEST IN CLASS FRAMEWORK KEEPING PUBLIC INTEREST AND SOCIAL RESPONSIBILITY IN CORE. WHAT IS LACKING IS SYSTEMIC TRANSPERENCY AND AUDIT INDEPENDENCE. BANK AUDITORS SHOULD BE INDEPENDENT AND APPOINTED BY AND REPORT TO RBI/CAG.

Hire internationally experienced risk managers who will be rewarded based on the robust processes that they put in place that will prevent fraud and ensure good governance.

1. If internet banking account is locked, oneshould be visit base branch to get it unlocked. Request you to reduce branch dependency as much as possible. 2. Second is, if we got to SBI for any work, so many times we heard that the concerned person for that work is on leave and need to come again on the next day. Please remove these kind of dependency. There should be 2/3 backup for each person. If one person is on leave the remaining should have the ability to complete the task.

Put in place an online system where whistleblowers get upto 2 years salary as a reward (based on the amounts involved and proof presented) for giving proof of any wrongdoing conducted by branch staff.

1.there should be que system before every countef and no one should be allowed to jump the que.2. Emplyees behaviour should be very polite and anyone found misbehaving he should forfiet his entire salary of the day.3. Employee should not misguide any customer if found dealt with severly.4.Every employee should carry his nameplate and his mb no on his table.5. There should be receptionist in every branch who could be approached for guidance in bank.6. There should be one distt level ombudsman.

I feel that the charges for debit card usage beyond 3 or 5 times, as applicable, is unjust. The banks actually gain in many aspects, by providing the debit card option. They can reduce workforce (which means saving in salary and other perks) and even space as well as on furniture, electricity, etc., by restricting the customer from coming to bank in person. So, why should the banks charge the customer for a service which is actually profitable to them?

Have a performance incentive structure for Branch/unit managers that is based on post performance (performance of the branch/unit 3 years after they leave it). If the NPAs of the units increase after 3 years, then enter this into the record of the branch/unit managers and penalise them, otherwise reward them.

Finance Minister, the "owner" of PSU banks, should send out a one-line diktat: No loans to real estate developers must be renewed or rolled over. Guess what would happen? Knowing that there are loans to be repaid, developers would reduce prices to clear the unsold stock of 650,000 appts.Individuals would buy the homes they need. At prices they can afford.They would then furnish these homes and buy white goods like refrigerators- maybe new 2-wheeler.All this economic activity add over 2% to GDP

Objective of banking reforms must be to control inflation, promote manufacturing, innovation (risk taking), strengthen rupee against dollar. Dollar allotment for pure trading must be cut by 50% immediately. Confiscate & auction properties of NPA holders more than 5 lakhs. All manf. companies to focus to cut dollar import or export for dollar needs. Expatriation of dollar earnings must be through exports and not cash transfers. Post offices must act as extended remote rural banks to larger banks

Objective of banking reforms must be to control inflation, promote manufacturing, innovation (risk taking), strengthen rupee against dollar. Dollar allotment for pure trading must be cut by 50% immediately. Confiscate & auction properties of NPA holders more than 5 lakhs. All manf. companies to focus to cut dollar import or export for dollar needs. Expatriation of dollar earnings must be through exports and not cash transfers. Post offices must act as extended remote rural banks to larger banks