P1 Govt must deal strictly with defaulting borrowers, especially with willful defaulters, on behalf of Banks, to minimize bad loans and maximize profits. Only such recovery can be made by Govt with assistance of police & courts, as Banks have no effective tools to recover such loans.

First of all, The No of Banks (All PSBs, Old & New Private Banks) must be minimized to 10 or below. New bank licenses are not required but performance and facilities management techniques in customer service must be introduced and implemented at par with ISO standards. Pay & Allowances of the employees must be linked-up with their performance rankings. Bank employees must become qualified & professional within a time-limit. NPA a/cs must be dealt with serious concern by the Govt of India.

Attractive pay for qualified professional, bring professional work culture , reduce political interference , specialised men for specific work, inhance the talent of employees and give a free hand in certain fields, attractive salary and incentives schemes for employees, interference from state and national government should be minimised, good and friendly environment for customers and employee both, role of bank union should be minimised bcoz it's creates internal politics . profit only motive

Existing Bank Branches Can Do Wonders if Branches are Better Equipped with Manpower, Technology. Further Foot Falls in branches should be decreased by compulsory issuing the Estatement to Current A/c Holders on Daily Basis and Estatements to Savings A/c Holders on Monthly Basis. Thereby existing Setup can focus on unbanked citizens. Small Things counts a lot. There should also be KILL CASH Motto across the Banking Sector by Using Debit Cards and POS Terminals.

4. more professional/independent director in board 5. consolidation of bank to make only 5 with updated and shared data directly with RBI. 5. Grade promotion and make more accountable also in clerk and outsource of clerical work with fixed compensation like private bank.

1. The govt and RBI should make strategy to involve also local DM, SP,Court, lead bank to control the NPA and fraud account. Also the more independence should be given to bank, credit without influence and with proper appraisal.2.Bank should independent HR mgmt system to identify good talent and there should be performance linked pay and dedicated training to all.3. banker should have good salary and allowance for working far, more LFC and quarter,time bound and transparent transfer policy .

This indirectly affects the performance of the bank. being an employee when i visit the branch for a particular work i have been asked to visit many counters and still the work is not done. u can understand the case with a customer working into the branch. more young people need to be recruited to the bank. so till work environment is not changed nothing can happen.

As being a banker the core problem is the attitude of the employees working. I have witnessed it myself. In our bank there are many employees who do not come on time and leave before time. They should be some computerized system which can capture their sign in sign out time. Sitting idle most of the time. Less work and more employees recruited. This is about the work environment. and if a particular person is doing his or her work honestly the seniors would give all the work to him.

Subsidiaries of State Bank of India like State Bank Of Patiala, State Bank of Hyderabad should be merged into another Bank of National Level called NATIONAL BANK OF INDIA with separate management to have competition with SBI. This will improve functioning of so many subsidiaries as branches of NBI. This will also reduce the cost of operation as merged entities will function as one group and share the Govt work with SBI. SBI will also improve as management will be shared.

1) Merge the existing plethora of PSB's to create few large Banks 2) Elevate work-culture & staff-quality of PSB's to the standard of private-sector Banks 3) Improve services of PSB's to make them increasingly user-friendly 4) Allow public to deposit their cheques at all PSB branches throughout India