I was an account holder with Global trust Bank which was superior in terms of customer service in comparison with any other banks in india both public and private (including foreign banks which only show off). While taking over GTB, the MD of OBC admitted that GTB is 10 generations ahead of OBC in terms of technology and also said that they would bring both the technologies at par. Only on experience I found out that bringing at par means taking the levels of GTB to that of OBC and not the other way round!! The ATM’s of OBC are the most unreliable. One never know when it really functions. Previously it hardly takes a minute for a cash transaction. Now they apart from reducing the staff, increased their work. Banks like SBI introduced teller counter for a single window service where as OBC after taking over GTB made it mandatory for customers to go to one counter and note down the transaction number and stand in another queue for the real transaction to take place. Who on earth pleaded with OBC to take over GTB?? Why are they making the customers suffer?? The general impression is that OBC did a favour by taking over GTB without shelling out a pie. But no one is considering the costs of setting up such a huge network, cost of acquiring customers and cost of recruiting employees. If all this is considered, OBC stole GTB at the cost of its share holders. OBC is creating an impression among the general public public that PSU banks are stupid banks but it holds good only in case of OBC most of the PSU banks are competing with even rogue banks like ICICI for their share of customer base.