A bank can go profitable only when it ends up lending almost all of its lending capital which stiff competition so that customers get at lower rates of interest due to competiting peers and to avoid cut throat competition they become sector specific and ensure the sector has adequate number of competitive players. All the above activities will lead to healthy capital utilization and help achieve a more sound framework for sound monetary policy. This is my opinion please validate with RBI.

PSU should question all subsidy and free programs and should not question about farm loans. PSUs are in my opinion in trouble because of their funding the previous governments non profitable programs. Banks must designate the directors to carry out due diligence and surveys to ensure that the proposed business plan can result profit or not. I am not sure if they did that during the UPA days. Kingfisher,MNREGA, and spending has not lead to profit and has cost more than farm loan worth 10000 cror

We must lend to aviation sector which is very competitive and challenging. We must help an airline that is distressed at distressed time which clear profitability contracts. In the case of spice jet they have to increase their flight capacity and be given more powers to choose their own routes of operations and decide how to become profitable and set terms for return of payments and interests accordingly.If they keep giving some discount and compete for giving discounts then results expected bad

Banks will only improve in the employees are happy. whe nbankers when they are happy they will do their duty whole heartedly and the bank will flourish. If they are not happy they still do work but curse the bank management mentally. and if an employee cursesbank from the bottom of the heart then there is no question of the improvement of the bank.

In bank all the staffs i.e. Officer or Clerks should be covered under one REGULATION or ACT. there should not be different type of rules for them. Because, now the clerks at the post of Special Assistant are getting more salary than the Branch Manager. So all should be equal.

PSU bank should take steps to reduce their NPA. They should verify properly before offering load with CIBIL history. They should able collect money and take necessary legal action when it find people in defaulter list. People thinking that govt. bank never bother about defaulter and never serious about money refund. That's why people taking unnecessary advantage by misusing.

ATM in all branches is ONLY IN PAPERS, in reality nothing is there. Myself a Banker, a branch manager, but my branch has no ATM. Govt should ensure in true sense that the same is installed in all the brances. for this the govt should take CERTIFICATE from the CMDs of the Bank.

Instead of so many qualifying candidates in IBPS why the nimber is so less. The employees are not considered human beings. Only banking is a sector where the corruption is less than minimum. but yet bankers are crushed in such a less salary. Other govt staff enjoy more salary and do less work. Now its a time when the british rules should be reformed.The bankers are ready to work but they should be considered humans not machine or animals. conti.....

Banks are now struggling with NPA. This is the right time to take stringent action and laws against the defaulters (especially willful defaulter). Otherwise time will come banks will fall. Further, the rules for all banks should be same. PSC target is for only nationalized bank and there is no such target for private banks. They are achieving the PSC target by investing in Govt Bonds, where as nationalized banks are struggling by funding govt schemes, which in future becomes NPA.

We need to increase the no of people in a bank branch. If i take an example of SBI bank, IFSC Code: SBIN0010905, there are only 4 people working including branch manager. Then how they will provide service to customers. We need too d more recruitment to fill the vacancies across all PSU banks. At least 10-12 people should be present including security people in typical PSU bank branch depending upon the capacity and no of customers.