<h1>Roadmap for state-owned banks: strengthen governance, modernize tech, adopt AI governance, boost cyber resilience and customer focus</h1> The Department of Financial Services convened a two-day forum bringing public sector bank leadership, regulators, industry and academic experts to set immediate priorities and a long-term roadmap for state-owned banks to support national development goals. Deliberations emphasized strengthening governance and operational resilience, modernizing legacy technology toward interoperable, agile platforms, instituting AI and model-risk governance, enhancing cyber resilience, avoiding vendor lock-in, and promoting shared infrastructure. Policy recommendations targeted customer-centric processes, sustainable credit growth, risk management, workforce readiness, fintech collaboration, and alignment of PSB mandates with strategic national sectors and global competitiveness.