The loan waiver scheme must be abolished, it gives a negative attitude to good borrowers and always motivates to professional defaulters. for tough loans banks should park them in some other place to clean balance sheet, but must not be written off, for such type of loans their must be separate deptt in banks according to loan amount. Courts should have separate bank wing. Each branch must have dedicated officer for Sr Citizens.

Regarding devilish NPA: 1.Remove Agriculture sector upto 5 lacs, tiny industries from NPA bracket. 2.Extend CIBIL to all Banks including co-op Banks and NBFCs. 3.Stop opening of Metro and urban Branches of Pvt Banks and let them open Rural Branches. 4.Rationalise payment of salaries as per Performance. 5.Timely paid employees will perform better. 6.Customer complaints should have min fee, and fake complaintants should be punished with a fee. 7.Infrastructure of Auto Kiosks to be installed more.

SUNO YA NASUNO 1.First important step is to shift all oldage staff to the backoffice operations, where customer interactions are minimal. 2.Post young and entergetic staff at front line to deal the customers promptly in time. 3.All Staff should be well knwledged to deal the customer needs. 4.Burden on officers should be reduced by implementing fixed working hours and to implement shift system. 5.Facelifting of all premises. 6.And 5 day banking to reduce various expenses. 7.Employe more ladies.

Let banks do their bank job, not, as insurance agent, as politicians vote bank agent by forced govt sponsor schemes, as sebi agent, as sales point for various forms, & alike many other activities which are no where related to banking. Banks must have their own BANK POLICE like RPF. Too much audit and inspection load should be reduced. Govt funds must be distributed to banks evenly to reduce unhealthy competition & cost. Banker too need some dignity and salary revision in time and family time

Sir, Senior citizens above 65 yrs having problems in using ATMs/cheqes owing to shaking of hands and weak fingers control,apart from standing in long Q at ATMs. Secondly, some pensioners are living with their sons/daughters away from the bank where they have a/c. It is therefore requested to permit them to draw pension from the same named bank from any town/city in India BY PASSBOOK also. Hence lacs of old aged pensioners will be benefited.Thanks Fm.9309466305

Improvement in PSU Bank - Award given by supreme court to Subrata Ray Sahara , all our big defaulter should be given exemplary award in the same way by Supreme court, if any agency having guts and determination like SEBI. Total NPA + Written Off till date+ Compromise till date with them, amount will be realised to the tune of Rs.10 lacs Crore. All top executive who sanctioned loan should also be kept with them for better realisation of these amount.

Improvement in PSU Bank - Jackpot prize - reduction in NPA. Present NPA of PSU Bank - 4 lac Cror (appx) - Provision amt - 2 lakh coroe. Non earning interest - 50,000 Cr annually, Sale to ARC - 80,000 Cr at throw away prices and expected loss to be borne by the seller bank at later on date due to non realisation of sold assets - 70,000 Cr. in the name of reduction of NPA huge incentive to Staff/Ex-staff/Recovery agent. Ritual payment to lawyers/court fees/DRT with net recovery option big ZERO

PSU bank should liberize the loan process for common citizen, people like big airlines where they are defaulter get loan easily where as common citizen not. So lot of change required in PSU.

PSU Banks:- 1. Need transparency in their process. 2. Need to have customer representative who always help with smile to people for senior citizen and illeterate. 3. Lot of efforts to be made to understand for common citizen to understand the banking process. last week i opened by SBI account where i filled all form online only thing they need to assign account no. It took 3.5 hrs to open and complete by process. I think PSU bank staff need to trained again who to service customer.

1) PSU bank branches are subject to multiple audits through the year - concurrent, revenue, inspection, statutory, etc. A substantial amount of time is wasted in dealing with these cumbersome audits leading to inefficiency in other areas. The audits need to be reduced & rationalized using better control tools. 2) dedicated single point contact desks for senior citizens & premium account holders will enable better customer service and customer loyalty.