For most of your members who have cut their teeth in an era when IDBI was a DFI with limited competition and a small universe of customers to deal with, the transition to commercial banking might be difficult, but remember, if you wish to survive as an institution in this new avatar, you must be willing to change.
What is, in fact, needed is a change in mindset and you, as responsible union, have to oversee a smooth transition among the employees. Retail banking is a customer centric business and hence, you would need to develop the passion, compassion and grace to deal with customers.