<h1>Banking Ombudsman resolves most complaints via conciliation; public banks like SBI see highest complaint rates.</h1> The Banking Ombudsman Scheme has handled a significant number of complaints over three years, with most resolved through conciliation and mediation. In cases where these methods fail, the ombudsman issues an award or dismisses the complaint. The data shows variations in complaint numbers and resolutions across different banks. Public sector banks, such as State Bank of India and Punjab National Bank, received the highest number of complaints, while private and foreign banks had fewer. Overall, the number of complaints received and disposed of has increased each year, with some remaining pending.