Suggestions

Most of the large defaulters are highly influential persons.Unless the banks are asked to deal with them effectively there will be no progress.Willful defaulters should not be allowed to drag on the case. sanction of loans based on permissible/eligible parameters is easy.Expertise is required to monitor disbursements and supervise implementation schedule.If Bank.s due not have expertise,competent expertise may be outsourced.

The NPAs in public sector banks is more than 200thousand crores.When CMD and Eds are well experienced bankers and the board consists equally experienced officials from R.B.I and Govt and representatives of officers and workmen,the reason for such huge NPAs has to be investigated.First Arrest further growth in NPAs.then look for reasons.Hon.Minister may call the chairmen under whom the NPAs have grown and find out reasons for deterioration.Not to punish them but to learn lessons and take remedie

TO – PARLIAMENT OF INDIA -- dsleg@sansad .nic.in SENT TO -- FEDERATION OF INDIAN CHAMBER OF COMMERCE AND INDUSTRY -- FICC I @ FICC I .COM -- SENT TO -- GENERAL ASSEMBLY OF UNITED NATIONS -- DGACM-Feedback@un.org SENT TO – MINISTER FOR FINANCE -- ANDHRA PRADESH -- pfs_fin@ap.gov.in SENT TO -- UNION MINISTER FOR FINANCE -- GOVERNMENT OF INDIA -- JSBO@NIC.IN ... SENT TO -- INDIAN OVERSEAS BANK , A GOVERNMENT OF INDIA UNDERTAKING BANK . SUBJECT -- INCLUDE APEX OFFICE IN ADMINISTRATION NET WORK , MINISTER OF FINANCE IN NOTICE BOARDS IN GOVERNMENT OF INDIA UNDERTAKING BANKS SIR , IN ALL THE GOVERNMENT OF INDIA UNDERTAKING BANKS BRANCHES ALL OVER INDIA IN ALL THE STATES THE LOCATION AND ADRESS OF ONLY THE HEAD OFICES IS GIVEN IN THE DISPLAY / NOTICE BOARDS , BUT THAT OF THE APEX OFFICE IN THE NET WORK OF ADMINISTRATION , DEPARTMENT AND MINISTRY OF FINANCE , GOVERNMENT OF INIDA AND REGIONAL AUTHORITY MINISTER OF FINANCE GOVERNMENT OF ANDHRA PRADESH STATE GOVERNMENT IS NOT FOUND IN THE NOTICE BOARDS . THIS IS CAUSING LOT OF CONFUSION AND TROUBLE TO CUSTOMERS , SO PLEASE INCLUDE THE ABOVE SAID INFORMATION WITH CONTACT ADRESS IN NOTICE BOARDS FOR CUSTOMERS AND CITIZEN . THIS WILL HELP CUSTOMERS TO HAVE BETTER ORIENTATION AND MORE PROPER AND PERFECT GUIDENCE AND HAVE ELITE CODE OF CONDUCT AND MAKE USE OF SERVICES IN BEST POSSIBLE WAY MANY OF THE GOVERNMENT OF INDIA BANKS HAVE BRANCHES IN MANY FOREIGN COUNTRIES . THIS MESSAGE IS SENT TO THE NOTICE OF UNITED NATIONS . PLEASE GIVE REPLY V . MAHI DHAR B SC ( AGRI ) , PG DBM , PG DFMT , MARINE ENGINEERING E MAIL vmahidhar@ymail.com

like withdrawal of money ATM machine is available everywhere but deposit the amount in nationalized bank account still headache in urban city this problem is very much. so alternative for deposit amount in cash must. like ATM machine must in the urban city for deposit the cash amount. in bank it is very time consuming process.

The Banks run by Benefit funds like RBF in Tamilnadu, has ruined the life of many hard earned money of public. Many retired persons deposited their terminal benefits in that Bank and when the bank sunk,and legal action was taken, it was found by the authorities that large amounts were given to binamis of some politicians without proper security and there was not sufficient fund to return to depositors. For reasons best known to God, that even Immovable properties were not sold.

Generally the Cooperative Banks are controlled by State Governments concerned and intrusion of politicians has spoiled the functioning the banks profitably.

General opinion of public is that private Banks function better than PSBanks. They (even lady staff) sit late and finish of their job. It is better privatise the PSBs. Even the functioning SBI is not on par Private Banks. However, the private banks could not function freely and chalk out their style of policies, because of the control of RBI even in day to day actions.

I have been working in in Nationalized Bank for last 40 years. During first 10/15 years, I felt that we were best paid officers. But, the position deteriorated and today we are the worst paid officers compare to the other industries. In today's competitive and highly technical environment best of the talents are required, especially in view of large scale retirement. I firmly believe to attract young generation, it is imperative to offer them comparable pay package to avoid high attrition ratio.

Govt Loan should be given to Banks by removing Govt dept interference. Bank should build house for employees so recurring expenditure can be saved on Lease rent. Transfer should be within state closer to house so HRA and Rent can be saved for better profitability. Removal of so many controlling offices so thousands of people can be put to operation. One head office is enough to control the work when so many IT enabled software used by Banks. Single softwrae for all work. Better pay & Perk needed