For improving performance of Public sector Bank 1. Remove Not fruitful laws because of fear of these laws Banks employees not want to work. 2. Easy the Banking System & Laws like Taking a loan, Opening a Account working with Banks

Another thing which PSB banks are deficient in are the fact the acceptance and promotion of technology is very slow. All office bearers and staff of PSB must be forced to use the technology during beta testing or pre launch periods. Once majority of the staff is comfortable the technical products(internal or external) need to be launched. This will help the staff in getting confidence of the system thereby helping them in troubleshooting & understanding logically what happens in the application.

1. All public sector bank branches should be the best buildings of the area. They should be spacious with good facilities for customers. All PSU banks should be directed to have their own buildings at all branches. 2. Willful defaulters should not be given any protection. Default chokes money cycle. Loan waiver schemes discourage good borrowers to repay regularly. They tend to join the group of defaulters. 3. Merger of PSU banks should be considered. More suggestions later. 3. 2.

Its high time people removed the chalta hain attitude of PSB banks. It would be good if you could enforce SLA's and escalation matrix for each and every transaction. Also The PSB boards must be given freedom to innovate and bring in new technology and products . This is something which is deficient in comparision with Private Sector Banks. PSB have an advantage of winning people's confidence easily. This must be used for their benefit to improve quality of service.

PSBshould be given strict orders by govt and RBIthat they sould restrict lending to realestate to 70 to.80% of regd value and not mkt value. Similarly loan against share sould be restricted to 80% book value. Promoter liability should be made unlimited if they have management control. RBI or IT dept should maintain register for recording the bank accounts opened by individuals,companies,etc so that borrowings and status of the account bacomes transpsrent.This could be based on PAN

reduce the rate of interest on education loan.

A poor Dobi sold their house and diposited the amount in SBH who insisted PAN.Then they withdrawn money and deposited with Agri gold,a private agency.Please think of alternative to PAN for poor people of BPO.

Home loan/Advances/Deposits/Social issues for PWDs should be liberally dealt by National Handicapped Finance and Development Corporation without any restriction as the TALENT is bestowed by the Almighty overlooking all aspects of caste, creed, gender and status rather than PSBs. Home loan rates/policies should be uniform and guarantors should not be sought. Approval of the projects should be within a time frame. Opening of A/c by SBI should be easy and without delay (Saving and Jan Dhan Yojna).

Sir, Public Sector Banks can improve by - 1. More and More automation. 2. Setting up Safety locker systems in spacious and secured complex in large numbers instead of congested and limited manner in every small branch. 3. Make Internet banking more popular, secured and easy. 4. Install Villager friendly ATMs in rural areas. 5. Important suggestion- Mobile Van Banks can be introduced. They work excellent in Residential colonies and townships especially for Ladies at door steps in busy hours.

Please set the targets for the staff and mark their performance on point basis(cxs have to rate). Attitude is the key. Please try to train and coach the staff and make them understand the meaning of gratitude and courtesy. Trust me with a positive attitude and willingness to serve the customers will make a massive difference in the performance. Customer is King should be their motto. Thank you Mr. Prime Minister.