💥UPSC 2026, 2027 UAP Mentorship - June Batch Starts

Discuss the factors responsible for the poor performance of the Public Sector Banks in comparison to the private banks. What can be done at the tactical and strategic levels to boost business metrics? 10 marks

Mentor’s comment-
  • https://www.financialexpress.com/opinion/psbs-must-focus-on-good-banking/2218898/
  • In the intro, mention the difference in the NPA figures of the PSBs and the private banks.
  • In the body, mention various factors that lead to below-par performance such as political interference, social obligations, lack of productivity, government’s interference etc. In the suggestions mention tightening credit discipline, fast-tracking technology infrastructure to improve customer experience, nurturing enabling environment etc.
  • Conclude by mentioning the need to make these changes to improve the performance of the PSBs.

 

Comments

4 responses to “Discuss the factors responsible for the poor performance of the Public Sector Banks in comparison to the private banks. What can be done at the tactical and strategic levels to boost business metrics? 10 marks”

  1. Komal Dwivedi Avatar
    Komal Dwivedi

    Payment ID – GhRhZNwOkwqcMH
    Order No. – #0000396658

    1. Parth Verma Avatar
      Parth Verma

      Hi Komal
      Good intro but club in one paragrah or summarise it.
      Factors are discussed in a good manner,
      Avoid bullet points like problem of NPA- substantiate in 1-2 lines .
      Thumbs up for the suggestions.
      Good conclusion.
      A decent attempt.
      Be persistent and keep writing.

  2. Deepika Saini Avatar
    Deepika Saini

    @Parth
    Please review
    Reference ID: 0062859943

    1. Parth Verma Avatar
      Parth Verma

      Hi Deepika
      Good intro.
      Factors are discussed in a decent manner, you can take a clue from komal’s answer to have more detailed suggestions.
      For 10 marker, your answer is good.
      Give subheadings .
      Good structure.
      Keep working hard.

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