1) The maximum time wasted by account holders in PSU bank branches is in deposit & withdrawal of cash. All PSU bank branches with a threshold deposit level should be mandated to install "Cash Deposit Machines". 2) PSU banks employees do not have any orientation in customer service. Unless a part of their salary is variable and linked to branch profitability, accountability to customers will not improve 3) bureaucratic reporting requirements of branches needs to be reviewed & reduced

There are 50 lakh central government employees and of 30 lakh pensioners ,Banks employees also to be covered under Pay commission so that uniformity can be insured

innovation is the key, they have to reinvent themselves. simplified rules & regulations, Already the banking system is undermined by the parallel robust system. time to wakeup & act fast.The governments can fix it immediately if they want to but they have their own compulsions

if they r to grow & stay relevant, their unions have to be dismantled. they r playing havoc.

IBA should be dismantled. All banks to be controlled under RBI only.

Government of India has originally not created 27 PSBs ,as these were intially Private Sector Banks nationalized By SMT Indira gandhi and from then they are continuing as such ,If the same can be integrated in a systematic manner it may create magics - Better ROI, Good returns,Better Branch networks,

One time kyc submission is enough & that reference shud be good for all other banks.redundancy shud be reduced,it shud be seamless.PSBs shud be at par with international standards but they shud not become ELITIST otherwise it will be contrary to the purpose they were created.

Banking is very sensitive area and should be managed by very efficient management.All small banks must be merged with large banks.Govt may explode the possibility of privatizing PSB and if it is not possible after merger RBI/Govt to look after only 5-6 banks.There must be restriction on large loan exposure to any one party and sector as part of risk management.Bank board and senior offices should be duly screened for their integrity and capabilities. CA- Pradeep Goenka

There should be 5 days working of PSBs. Salary of bankers to be raised at par with International standards and also the technology. Stipulated work hours for offline and online work also outsourcing for digital banking.

There is no meaning in Four to Six PSBs branches competing with one another on every corners of Indian cities .All the policies regarding deposits, SB,Minor accounts,FD,RD of PSBs must be similar and in facts all the PSB must be merged and we must create some of the good banks , My point is that its is just like government is having 4 police stations on a corner of a city having same catchment area.I.e with fullfledged branch one Bank branch can cater what is presently catered by 6