will improve the productivity of SBI and can be in Top 10 Banks in the world after the merger. SBI should be strengthened like Bank of China/China Bank. Most of the PSU Banks have land or office spaces which is under utilized either rent it out or use it for commercial purpose. They may have SME/MSME funding but they don't have venture funding entities/subsidiaries. They need to take advantage of NRI community across the globe.

All PSU Banks are into fund based activities..and their fee based activities are very low compared to any foreign/private banks. With there reach and publicity and trust they can do wonders. They have skills & committed but lack conviction & direction. Per employee to per Branch productivity ratio is very poor. All banks should be allowed to borrow 10-15 years deposit from NRIs where they get tax exemptions this will help them to reduce NPAs. Merge all SBI associates with SBI will improve

The PSU Banks are grappling with NPA which is a big problem .To check the growing NPA being a Ex senior bank official i think the assets of retiring high official be checked if this fear will be there in their minds i am sure NPA will not increase. The main problem is at big ticket advances and i know they all goscot free and smiling making the bank poorer. Except for technical posts all promoted to scale 3 must have a working experience of at least 3 yrs as Incumbent in-charge before promotion

Study the customer oriented good practices of the Private banks like ICICI and HDFC. Immediately establish such things in public sector banks.

Public sector bank officials are not cooperative. They are arrogant most of the time.They should be given training of dealing with customers. In front of each official, there should be a "touch board" - "very good", "good" " not so good". IF the officers do not customer rating, they should not be given promotion or increment.

I have seen is one building complex more than 8 banks. Bank branches should be opened on need basis in urban areas. It is high time, loss making branches are closed. Bank branch is a business and there should be strict targets. Such branches should be relocated in an area, where there are no banks.

sir, if they correctly get repaiment from bussiness persons large amount will come back to bank. bank employees are very much opposed to resedule farmers loan,BUT what they are doing to BADA Defaulters, reseduling again and again without forcing on them to pay also give extra loan, what is it is it democracy, all are not equal in India. i feel all farmers should get loan in Banks and they should be given time to repay after crop will come.

Respected Sir, all the Bank employees should change their behavior,attitude about farmers bank employees are treating them as Null. that should change, should give importance to Farmers they are facing so many problems by the Bank employees, without farmers what they eat they are forgetting them. they give whole hearted unnecessary respect to industrialist, escapers, defaulters. very rudely they demand loan repayment and harass Farmer,damage their value in village if they cant pay amount in time

The performance of public sector banks will improve if they have information about the person. Government should build the economic profile of the person which can be used by banks to extend loans or other facilities. It also helps government to understand the extent of stress in the system. The economic profile of the person should be maintained by a separate government entity and make information available for others. Also balanced scorecard should be developed for each of the bank branches.

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