Merger is the need of banking industry today.It will release pressure from the employees and branches as well as enable implementation of basels norms. In the present environment PSU banks are competing with each other while the purpose is same. It will in turn give recognition to our PSU 's in the global arena. With this money laundering can be avoided to a great extent. And quality of deposits and advances will improve.Tax avoidance could be eliminated

Private banks carry on class banking while nationalised banks do mass banking. A poor person can open an account in a nationalsied bank and continue his transactions.NBs have branches in rural areas while it is not so with the others.What is required is motivation of employees, provision of better working conditions,constant monitoring of accounts so that they dont become NPAs, non- interference by politicians, Technology upgradation,consolidation to create one government bank with RBI & SBI

Public sector banks should increase the employees salary first. Because they are getting very low salary in front of their counterpart i. e. central gov. employees & their private peers. work load in PSB are very high. employees are demotivated. so fist govt. should increase the salary first.

Have attached the views as a picture file.

First and fore most thing to do is to improve the infrastructure of public sector bans at grassroot level. this can only be done by consolidating the banking industry by merging all the 27 psu banks into 4 or 5 world class bank. by consolidation we may eliminate upto much extent the black money from the system for eg today if one person open 27 accounts in 27 psu banks no one can stop him and he can earn legal interest from all the bank accounts amounts. second consolidation will remove this to much extent. second asset libility will improve after merging and npa will come down. corruption will remove upto much extent as no of high level post like ed and cmd will be reduced. Human resource crunch is also a huddle in the progress of PSU as there is less staff in branches.

There is a wrong perception that the private,new generation banks are better than the Nationalised Banks.But it is not true. Most of the private banks do not have permanent employees in many positions -say front office, public relations etc.They are outsourced.In contrast the nationalised banks have permanent employees .They have a sense of belonging.This reflects in the service.In a nationalised bank one can just tap on the door of the manager & walk in to air his grievance.Not so in others.

Modi ji ko desh ke development ke liye ek pm development account kholna chahiye kyoki bahut sare log desh Ki tarakki ke liye dan karna chahte hai par logo ko ek achchha path chahiye hota hai aur wo nahi mil pata agar Aisha hoga to bahut achchha hoga . Modi ji apni har public addressing me kahte hai sawa so karod desh wasi to agar sare deshwasi 1₹ bhi denge to 12500000₹ daily aayenge jo development me use kiye ja sakte hai aur usme pardarsita barti jani chahiye

Performance of public sector Banks will improve only after satisfaction of its first customer i e staff. Nowadays staff is highly demotivated due to management of banks. First they are less paid in comparison to private sector banks (RBI Gov. Shri Rajan has also endorsed this thing) . Second they are soft target for NPAs, however they are sanctioned at Head office level. 3.Govt deposit given to banks also de-link from deposit targets

PSB ko complete revive chahiye Aur sabse jyada HR policies me unki salary Unke working conditions extreme pressure ab batayen is tarah ke mahol me kaam kar rhe koi v shaks kis tarah ki service de sakta hai aaj banking sector me cream students aana nhi chahte wahan wahi log hai jinko kahi job nhi mila ladke ek PO SE achhi job Central govt clerk ki mante hain fir ham PSB ke performance K bare me soch kaise sakte hain K achha hoga kavi nhi hoga Aur tab tak nhi hoga jabtak banking staff satisfied nh

1). Increase focus on SMEs 2). Appoint very senior officer in each branch who can understand USP of different SMEs 3) Divert benefit in terms of paper work for the SMEs whose track record is excellent in repayment of loan for more then 10 years, 4). Compare the paper work between car loan of 25 Lac and machinery Loan of 25 Lac, paper work for car loan can be handle in just 1 day, where machinery loan will take months, new machinery will also contribute to GDP and to generate more jobs