PSBs serve Masses whereas Private banks serves Classes,hence PSBs are service oriented whereas private banks are profit oriented. As PSBs are bound to give many other services to citizens for low fees viz challan processing, subsidies, other govt projects etc hence PSB are unable to serve this crowd better. SBI being the largest bank with largest no of ATMs still could not give the best service to all. Hence people are reluctant to get services from PSBs. Political influence is another reason.

To improve performance, separate subsidiaries should be established to manager different sectors of business such as credit cards, insurance business and other para banking activities, NPA management function, credit rating function etc so that focus of the bank should not be diverted, more efficiency could be deployed with professional management in this subsidiaries and will be able to provide better customer services.

The Recruitment of the Public Sector Banks must be done on a very systematic way. Exams must be held on a professional way so that the candidate with much professionalism gets through and not the people who have no sense at all. Bank employees must understand that they are appointed to work and the bank is not their personal property

The 1st thing the Concerned Government must do is the replace all the people working in the Public Sector bank with the new lot of more efficient and working people . I don't know about other state but please do the needful in the state of West Bengal. As per my experience and i have heard too from lot of people the employees of the bank dont want to work. They believe that the bank is the resting place for them. They come they sleep they collect their salary and go back

Recruit from campus interviews, When people don't get job they write Bank entrance exam. Since Bank privatization takes time & gets opposed, recruiting professionals,managers from open Job market can start inducing competitive people in to PSU banks. Often Government scheme wont reach needy as they have RBI guidelines,internal guidelines & Branch managers own guidelines. Some competent person/panel should study CGTMSE scheme story in detail. it alone will bring out best actions

PSU still need to improve a lot, I recently visited Bank of Maharashtra Sewree Mumbai branch for some society (Social) work, there was two working timing mentioned for Saturday and shutter already down before time. not only this when we have provided self attested ID proof bank manager & officer asking 4 original for verification, when we told that MODIji announced that self attested proof is ok, they simply denied and we have no option other than obey to bank order. What to Do???? Plz Advise

sir, we need to come up with new idea like BRANCH CUM ATM in which people can do all function through ATM.. function like Deposite amount, fill up pass book, deposite cheque etc...one more thing regards with Recruitment in bank..sometimes they hiring from manipal university sometime they hiring from IBPS...bank should stick with one only

Time bound assignment is good for public sector bank

आदरणीय , प्रधानमंत्री जी , मैं शाम्भवी दिक्षित बैंगलोर में एक सॉफ्टवेयर कंपनी में कार्य करती हुँ , पिछले कुछ महीनो से मुझे और मेरी कंपनी के अन्य लोगो को बार बार ५० रुपये के नकली नोट मिल रहे है , वैसे तो अब हम लोग अब सतर्क हो गए है पर ये सचमुच हमारी अर्थ व्यवस्था पर खतरा है , आशा है आप इस विसय पर चिंतन करे गए और कोई महत्व पुड्या कदम उठाये गए ||

1. Mobile Banking apps: All PSU banks should be given timeline for making moblie banking apps on par to private banks like HDFC or ICICI banks, rightnow they are crab piece of work. 2. All services should be online -- rightnow, if you make any query for loan on banks like PNB or SBI, they never revert to users. 3. Banking staff should be given training for politness to deal with public, they are just rude enough. 4. PSU Banks avoids loans to private sector workers