When talking about SBI largest bank in the country, its true at places its services are poor.Now it is for the bank to understand that this the network era where the info is available on click of a button n also there is cut through competition in the market and if it wants to remain the leader it needs to be always on its toes.
it should be ready for change becase is the only thing that is constant may it be technology or anything .
They should leverage on their presence across india, their network, their infrastructure etc to their advantage to hang to their number one position
and have the state of art technology in place n if they cannot innovate they should atleast be good followers if they even do this minimum they would be still be gracefully at the top.