Indian Bank Legal Dept is very slow and take considerable time to deal with a simple matter

as initiative taken by the Govt. under JAN DHAN YOJNA, all citizen must have bank account and only one bank account in any nationalized bank..it will reduce transaction of BLACK money....as some time people use more than one PAN card without any notice of IT Deptt. And ADHAAR card should not be issued separately as DEBIT card id unique..it can treated as UNIQE ID...and all the information related o PASSPORT, DIVING LICENSE should be marged to the same DEBIT card..

Banks are nationalized for the common people, but nowadays it is far from the people. the banks attitude for give loan or helping people is ZERO. always banks never look-after for the common people. So please help them & save them from local lenders by giving loans

All existing ATM machines having considerable investment, should be owned & run by a company under the RBI and all bank should have proportionate share. Thus under the same investment country can cater more geographical areas without further investment in ATM machines. In other words, same number of(existing) ATM Machines may installed at a minimum of 2 km distance instead some times same place is seen to have more than one ATM machines of different bank. Thus countries can serve more

Public sector banks can form a syndicate and share among themselves their space, resources, data, employees, reserves, foreign currency, security personnel and support staff. They can offer more customer friendly services including providing chargeable support in purchase, recovery, valuation, taxation and liquidating assets as per fair value, ensuring standardized process for the needy.

The most important ways to improve performance of Public Sector Banks is to change employees behavior culture and their attitude towards customers i.e. way of handling customers. Secondly creating them in the shape of private banks which creates them to grow and performance oriented.

Bureaucracy is the biggest disadvantage in public sector banks. This leads to closed way of thinking and does not allow innovations/customer centric initiatives/etc to come up. People are attached to their designations so much that they do not get a feel that their main purpose is to serve people. Just abolish the so-called designations. Even if it does not impact their remunerations, the difference it will create is that it will help in creating a new open innovative environment

Apart from this the major problem is that while everything is okay, the bank keep on providing all assistance to the business. But as soon as there is a slightest crisis, the bank immediately withdraws and backs off from any further lending. They have got their justification in not lending further. But if you look at the other side, it completely damages the entrepreneur and finishes off his industry.

The decision making process in considering any loan proposal (sanctioning / rejecting) should be made in a time bound manner. Excessive delay by bank in making decisions on loan proposals lead to cost over runs.

BANKS DO NOT GIVE FOREIGN STUDY LOANS TO BRILLIANT CHILDREN OF PARENTS THAT CAN OFFER AGRICULTURAL LAND AS COLLATERAL -STATE BANK OF INDIA - EVEN WHEN HIGH COURT HAS RULED THAT FARM LAND CAN B ACCEPTD AS COLLATERAL GEORGE FERNANDES VS STATE BANK OF INDIA HIGH COUT KERALA - HOW MANY STUDENTS OF FARMERS CAN AFFORD TO GO TO HIGH COURT- http://indiankanoon.org/doc/39266971/