for psb s the main drawback is RISK AVERSION .always looking for safe options wrt common man but at the same time they magically take huge risks with corporates fight legal battles forever.this is where govt shud step in .the point isbanking shud be flexible APATHBANDHAVA FOR THE MASSES.Technology changes r cosmetic in nature still far away to reach the common man at the bottom of the pyramid.huge population is an opportunity for them rather than a liability (as their mindset is at present ).

PSBs has invested a lot in alternate delivery channel like Net banking,ATMS etc However the same is underutilized as people of india are not moving on that .There are 52 Saturdays approx 2 month .If all the Banks are closed on saturdays with people will shift to ADC products and Banks net profits will also increase on account of saving of all costs .This will also in line with Digital india initiative if Government of India.-5 Days Normal Banking 1 day Net Banking to beging with

sir, yes there r many changes some good happening since a decade but they have to keep pace with the times & the huge increasing population. like the telecom sector banking sector shud be opened up fully the customer shud have delicious choices rather than the stale ones he is caught in.people in the middle & the lower category r the ones the psbs r of little help in day to day life.govts shud give license to differrent types of banks -one size doesnt fit all

improving performance of Public Sector Banks - How to increase Return on assets [ROI]-Bank Branches i.e physical infrastructure should be used as one point to cater all the financial related transaction -like Insurence[life /non life],Sharemarket/Debt/Mutual Fund -But all the things can be done only if the counters are properly manned -All the private banks are doing good business because they manned by proper No of Officers/staff.No of lower level staff withresponsibility to increa

NPAs can be drastically curtailed through a One Time Settlement Policy as was done around 2004. A simplified, non discretionary, non-discriminatory policy was introduced. But vested interests who wanted to exercise discretion & discrimination scuttled the simplified, non discretionary, non-discriminatory policy. NPAs may be settled at book outstanding on date of NPA plus simple interest at Base Rate thereafter irrespective of security coverage.

sir ,we the people cant understand why the govt finance experts dont have the basic common sense,their policies r not citizen centric & the ease of banking,here the role of a well meaning politician & leader like u comes to the fore .( in lighter vein -being a gujrathi u no more abt money & the system,, gujjus & marwadis have their own parallel system outside banking - pun intended ).people will give so many ideas but finally u have to bell the cat sir ,u will get 1.25 billion blessings

from viewing all these post two things are Cristal clear that 1. People of India are very concern about PSBs. 2.They also want that PSBs must remain under under Gov controls/entity because of a Sovereign guarantee of Repayment.

The Officers and staff of the Banks should be given training at being courteous and adopting a ffriendly attitude towards the public.Most of the Bank employees feel that they are Larger than their customers. Procedures should be made Very simple, user friendly and More Transparent. Egovernence and Etransactions should be encouraged and made Hasslefree so that citizens from all walk of life are made comfortable with the dealings of the Bank.

sir, 1.govt shud have only one bank, 2.lending for common man shud be the priority 3.have separate banks with very strict guidelines for corporate funding - most of them being theives 4.open up banking for common man -all services shud be hassle free 5.lending shud be the priority 6.simplyfy the procedures- our banking is struck in the 60-70s ,7.they give 1001 reasons to not give a loan to public but r hand in glove with the so called big industrialists 8.the govt shud come out with clear policy

sir, 1.psbs dont have the competitive attitude ( very complacent).2.work culture shud be completely overhauled,3.customer service is nil -they behave like bosses & customers as beggars 4.they dont take risks because of govt protection.release them free - govt cant hold their hand forever -this is against nature 5 pl release the common man from their clutches 6.only good for deposits 7 they r not interested in lending part 8more interested in bookwork rather than actual busines-rotten lethargic