Taarangan-June 2014 edition by Sartaj Mohd Shakeel

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Bank of India’s Quarterly House Journal June, 2014

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Editorial Board Charan Singh

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B V Upadhye

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Editor S M Shakeel

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International Activities

Special Mention Accounts The path ahead

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Bhartiya Mahila Bank Challenges & Opportunities

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Special Feature

We have a Tiger Customer

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Chairperson & Managing Director's Message

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Dear Colleagues,

(Â¨Â¸Ăş â&#x20AC;&#x161;Â¸ÂŁ â&#x20AC;&#x161;ÂĄÂĄÂ¸ÂŁ)

All of you must have gone through the Q1 results of the Bank and the figures demand a lot of improvement in CASA, quality advances, profitability, arresting slippages, capital conservation, recovery in NPA accounts and customer service. I am sure you all have a road map for achieving corporate goals set for FY 2014 -15. I want each one of you to contribute a lionâ&#x20AC;&#x2122;s share to regain the glory of No.1 bank amongst PSBs. There is a positive environment for the growth of economy and this would facilitate speedy implementation of financial sector reforms. RBI has issued licenses to IDFC & Bandhan. RBI has also issued draft guidelines for Payment Banks, which will definitely cause a dent in our share of deposits & remittances business. Let us gear up for a tough competition by improving our customer service. Monsoon has set in and notwithstanding the forecast of deficiency; we have to augment our Agricultural Advances. Go in full swing for Crop loans, KCCs, SHGs, Farm mechanization etc. Take full advantage of the inclusive growth being boosted by the Govt. through MNREGA and other FI projects. Make optimum use of Business Correspondents & Business Facilitators. The festival seasons are round the corner, which provide immense opportunity to bankers. Canvass Retail loans, SME & MSME products and cross sell our Third Party products to boost fee-based income. Move into the field and connect with the customers. Each one of us should celebrate our work and treat it as our worship. The work done with this attitude and perception i.e. work offered, as â&#x20AC;&#x153;Prasadamâ&#x20AC;? will definitely expand your horizon & personality. With Best wishes,

(V R Iyer)

ÂŹÂ¸ÂżĹ&#x201C;Â¸Â¸â&#x201E;˘Ë&#x2020;Ă&#x2026;ĂşÂĄÂ¸ EDITORIALÂ&#x17D;Â&#x161;ÂĄ~Â&#x161;Â&#x161;{jÂ§Ă&#x153;Â&#x192;Â&#x161;ÂŹ Dear Readers,

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â&#x20AC;&#x2DC;Change is the Law of Natureâ&#x20AC;&#x2122; and therefore, the person who adapts to change quickly or changes himself according to the circumstances can achieve success in the shortest time. However, it is very difficult these days to get accordant with the fast moving high-tech life. Yet, it is the need of the hour that we should always work in a well-planned and systematic manner because each one of us has time of 24 hours in a day. History has witnessed that the people who have used these 24 hours effectively and efficiently have achieved highest level of success in their lives. In contrast, those who have not used their time in a right way have no mention in the history. Therefore, we should always strive to utilize these 24 hours every day in a fruitful manner so that we can walk steadily towards the road of success. Banking Sector has always played pivotal role with full responsibility towards society and country but from last few years, the role of banking sector in the progress of country has emerged very strongly. Today, one may not find it overstating that now road of development passes through the banking sector. Thus, our responsibilities towards the upliftment of society and progress of the country have increased manifold. It is, therefore, important that we should make ourselves well- planned so that we can give our hundred percent for the progress of the country and organization as well. It is not good to wait for leadership everywhere; It doesnâ&#x20AC;&#x2122;t matter which level, big or small, we are working, we should develop a `Leader' in ourselves to do our works efficiently. Every day before going to sleep, make it a habit to analyze your daily work concerning country, organization, society & family and whatever shortcomings you observe, try to improve them the next day. In my view, this is important to achieve success and to become a successful person. Moreover, such people can work better for the progress of society and development of organization. It is always a matter of pride for us to present you the latest edition of our In-House Journal â&#x20AC;&#x2DC;Taaranganâ&#x20AC;&#x2122;. Our endeavor is to provide you with knowledgeable and informative articles on different subjects, motivating g our staff members' creativityy and to keep you allll well- informed about the programmes and activities organized ed in the bank so that each employee of our bank can feel connected with the bank. If we are connecting with them, then itâ&#x20AC;&#x2122;s definitely the success of our In-House -House Journal. In the end, as s always enjoy reading and please se send your dOffice. feedbacks at HeadOffice. Taarangan@bankofindia.co.in ofindia.co.in

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ED Shri Arun Shrivastava during ‘Business Review Meeting’ of Divisional Office, Delhi along with GM Shri Rajiv Saxena, GM NBG (N) Shri Pawan Bajaj, DM (North-1) Shri Raman Kumar Sharma, ZM, New Delhi Shri S K Agarwal & other staff members.

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ED Shri Arun Shrivastava along with the then GM NBG (N) Shri Tarlochan Singh visited DMO Ludhiana. The then DM Shri L R Bisoi, the then ZM Shri Anant Upadhyay, AGM (MCB) Shri O P Lal and staff of DMO & MCB interacting with ED.

ED Shri R Koteeswaran addressing during 47th meeting of SLBC Jharkhand, Ranchi. (On Dias L to R) GM NBG (J&C) Shri Jain Bhushan, GM (RBI) Shri S Sinha, Director DFS (MOF),GOI Dr. Alok Pandey, Finance Minister, Jharkhand Shri R P Singh, Chief Secretary, Jharkhand Shri S Chakraborty & Development Commissioner Sh. Sudhir Prasad.

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Activities

ED Shri B P Sharma being welcomed by one of the staff Ms. Y Yoshikawa in the presence of Branch Manager, Osaka Branch Shri Sudhakar Kotian during his visit to Osaka Branch.

ED Shri B P Sharma, CE Japan Branches Shri S S Banik & all IBOs with RBI Governer Shri Raghuram Rajan, RBI GM Shri Aggarwal at the BOI/SBI Joint Meeting in Tokyo.

ED Shri B P Sharma, CE Japan Branches Shri S S Banik & Branch Manager Shri Sudhakar Kotian with the staff and customers of Osaka Branch.

ED Shri B P Sharma interacting with customer at ‘Customer Meet’ organized by our Tokyo Branch during his visit to Japan.

GM (Intl.) Shri R A Sankara Narayanan with the Board of Directors during his visit to New Zealand. (L to R) Shri R A Jha, Shri Tarun Kanji, Shri R A Sankara Narayanan, Shri Rabin Rabindran, Shri Sameer Handa, Shri Sanjaya Gaur, Mrs. Judy Whiteman.

Mr. Somen Debnath visited our Bank of India Tanzania Ltd. Mr. Debnath is on world tour in Bicycle to spread the awareness on HIV/AIDS. So far, he has visited 88 countries and intends to cover 195 countries by 2020. Managing Director BOI Tanzania Ltd Shri Sanjib Sarkar, CM Shri K K Kaul, Sr. Managers’ Shri Dinesh Prasad & Shri Harshad Parmar

BANK OF INDIA, KENYA CONFERRED WITH ‘BEST BANK” & THIRD MOST EFFICIENT BANK IN EAST AFRICA GM and Chief Executive of the Centre Shri Raj Kamal Verma with staff members after receiving the award for ‘Best Bank’.

GM and Chief Executive of the Centre Shri Raj Kamal Verma receiving the award for ‘Third most efficient bank in East Africa’.

The commercial banks operating in Kenya are rated by various agencies on the basis of their performance at the close of financial year. This year our Kenya Center has been rated as “Best Bank” in the category ‘Tier III- based on business mix’, 3rd Most Efficient bank among all the banks operating in East Africa by Think Business & 2nd Best Performing bank after City Bank, among all the banks operating in Kenya by RSM Ashvir.

Taarangan

June 2014

á j¡§l ~ Banking Plus

Special Mention AccountsThe Path Ahead The Indian Banking system is adversely affected by the slowdown in the economy. Of late, there has been spurt in NPAs and restructured accounts. Therefore, a need has been felt for early recognition of financial stress to timely address the issues for ensuring adequate recovery. RBI has emphasized that to deal with corporate distress and financial institution distress, the system’s ability should be improved by strengthening real and financial restructuring and debt recovery. Framework for Revitalising Distressed Assets in the Economy RBI has outlined a corrective action plan that will incentivize early identification of problem cases, timely restructuring of accounts which are considered to be viable, and taking prompt steps by banks for recovery or sale of unviable accounts. Early Recognition of Stress and Setting up of Central Repository of Information on Large Credits (CRILC) Before a loan account turns into an NPA, banks are required to identify incipient stress in the account by creating a sub-asset category viz. ‘Special Mention Accounts’ (SMA) in terms of RBI guidelines. Henceforth, Banks would be required to have three sub- categories under the SMA category as below: SMA Sub-categories

Basis for classification

SMA-0

Principal or interest payment not overdue for more than 30 days but account showing signs of incipient stress

SMA-1

Principal or interest payment overdue between 31-60 days

SMA-2

Principal or interest payment overdue between 61-90 days

CRILC is set up by RBI to collect, store, and disseminate credit data to lenders. The credit information would also include all types of exposures and will therefore, inter alia, include data on lenders’ investments in bonds/debentures issued by the borrower/obligor. Banks will have to furnish credit information to CRILC on all their borrowers having aggregate fund-based and nonfund based exposure of `5 crore and above with them. In

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petve 2014

addition, banks will have to furnish details of all current accounts of their customers with outstanding balance (debit or credit) of `1 crore and above. Banks will be required to report, among others, the SMA status of the borrower to the CRILC. Individual banks will have to closely monitor the accounts reported as SMA-1 or SMA-0 as these are the early warning signs of weaknesses in the account. They should take up the issue with the borrower with a view to rectifying the deficiencies at the earliest. However, to start with, reporting of an account as SMA-2 by one or more lending banks/notified NBFCs will trigger the mandatory formation of a Joint Lenders’ Forum and formulation of Corrective Action Plan (CAP). Banks are required to put in place a proper Management Information and Reporting System so that any account having principal or interest overdue for more than 60 days gets reported as SMA-2 on the 61st day itself. RBI desires that banks recognize warning signs of weakness in a borrowal account early and in due course would require banks to mandatorily form Joint Lenders’ Forum (JLF) and formulate CAP if an account is reported as SMA-0 for three quarters during a year to date or SMA-1 for any two quarters during a year to date, in addition to reporting as SMA-2 during any time. Formation of Joint Lenders’ Forum As soon as an account is reported to CRILC as SMA-2, the lenders, should form a lenders’ committee to be called Joint Lenders’ Forum (JLF) under a convener and formulate a joint corrective action plan (CAP) for early resolution of the stress in the account, as per RBI guidelines in the matter. CAP by JLF This would generally include: a) Rectification - These measures are intended to turnaround the company without any change in terms and conditions of the loan. Obtaining a specific commitment from the borrower to regularise the account so that the account comes out of SMA status or does not slip into the NPA category, within a specific time period acceptable to the JLF without involving any loss or sacrifice on the part of the existing lenders, may be one of the options. b) Restructuring - The possibility of restructuring the account may also be considered if it is prima facie viable and the borrower is not a wilful defaulter, i.e., there is no diversion of funds, fraud or malfeasance, etc. c) Recovery - Once the first two options at (a) and (b) above are seen as not feasible, due recovery process may be resorted to. The JLF may decide the best

á j¡§l ~ Banking Plus

recovery process to be followed among the various legal and other recovery options available with a view to optimising the efforts and results. The decisions agreed upon by a minimum of 75% of creditors by value and 60% of creditors by number in the JLF would be considered as the basis for proceeding with the restructuring or recovery action of the account, and will be binding on the lenders under the terms of the ICA. The JLF as outlined above will have a convener as below: Type of Account

Convener

Consortium accounts

Consortium Leader

Multiple Banking Arrangements

Lender with highest exposure (fund-based and non-fund based)

Multiple consortium of lenders

Lender with highest exposure (fund-based and non-fund based)

Our bank has issued BC 107/242 dated 29.03.2014 outlining the efforts required to be taken at various levels. Besides a separate cell for effective monitoring of SMA accounts has been formed at Head Office. Once an account is reported under SMA-2 by any one or more lenders, our Bank’s guidelines regarding the formation of JLF are as under: i. In case of accounts with aggregate limit of `100 cr. & above under Consortium & MBA, formation of JLF is mandatory. We will fall in line with the formation of JLF with Lead Bank/Bank with the largest share as convener. ii. In case of consortium accounts with aggregate limit less than `100 cr., in which we have the lead responsibilities, we will take the lead in formation of JLF. iii. In case of MBA accounts with aggregate limit less than `100 cr., in which we have the largest share, we will take the initiative in formation of JLF. iv. In case of Consortium / MBA accounts with aggregate limit less than `100 cr., in which we are not the Lead Bank / Bank with largest share, we will take the initiative in informing the other Lenders for formation of JLF, once the account appears under SMA-2 in our Bank. The CAP is to be put in place within 30 days once an account is reported under SMA-2. HO devised line of action is as under: i. In case of sole banking, the CAP to be initiated within one week time from the date of reporting of the account under SMA-2.

ii. If facilities are under Mulitiple Banking or in Consortium, the JLF to be formed within a week’s time. iii. Under CAP, the option of Rectification to be exercised first. Acclerated Provisioning : In following circumstancesa. Non reporting of SMA status of accounts to CRILC. b. Concealing of actual status of accounts c. Evergreening of the advance. accelerated provisioning, as under will be attracted: Asset Period as Classification NPA

Current provisioning (%) as per RBI

Sub-Standard Up to 6 (secured) months 6 months to 1 year Sub-standard Up to 6 (unsecured months ab-initio)

Revised accelerated provisioning (%) No change

25 (other than infrastructure loans) 20 (infrastructure loans) 25 (other than infrastructure loans) 20 (infrastructure loans) 25 (secured portion) 100 (unsecured portion) 40 (secured portion) 100 (unsecured portion)

6 months to 1 year

Doubtful – I

2nd year

Doubtful – II

3rd and 4th year

40 (secured portion) 100 (unsecured portion) 100 for both secured and unsecured portion

The aforesaid corrective action plan, as envisaged by RBI will definitely incentivize early identification of problem account, timely restructuring of accounts which are considered to be viable, and help initiating prompt steps by lenders for recovery or sale of unviable accounts. It is therefore imperative that suitable and timely steps be taken in time to convert RBI’s vision into reality.

Dr. Om Prakash Lal Asst General Manager Ludhiana MCB Acknowledgement : The contents sourced from various literatures of RBI and our Bank are gratefully acknowledged.

Taarangan

June 2014

Special

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Shri V G Kamath Shri A B Rane Shri S V Shah Shri M R Murthy Shri Shiv Kumar Sareen

Shri S M Ganju

Shri A S Korde Shri K K Nair

Shri Anant Upadhyay

Shri A B Patwardhan

Shri Deepak Bhayana

Shri T Sudhakar

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18th ANNUAL

GENERAL MEETING The 18th Annual General Meeting of the Bank was held at Bandra Kurla Complex, Mumbai. In the Meeting, shareholders accorded their consent for adoption of accounts, confirmation of dividend and approval for issue of fresh Equity Shares/ Basel-III Compliant Additional Tier-I / Tier-II instruments.

(L to R): Directors Shri P M Sirajuddin, Shri R L Bishnoi, (ED) Shri Arun Shrivastava, (CMD) Smt. V R Iyer, (ED) Shri B P Sharma, (ED) Shri R Koteeswaran, Director Shri A M Pereira.

Taarangan

June 2014

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Towards Better Customer Service...

e - gallery The e-gallery provides user friendly & hassle free services without manual participation in areas like cash deposits, cash withdrawals, cheque deposits, passbook printing, printing of account statements, on- line account opening, making request for cheque book, debit cards, credit cards, mobile banking, address updation, assisted hot- line service through live interaction with call center executive etc. and are available 24X7 through KIOSKs.

BKC Branch, Mumbai North Zone

Ellis Bridge Branch, Ahmedabad Zone

Campal Branch, Goa Zone

Akhbarnagar Branch, Ahmedabad Zone

Navrangpura Branch, Ahmedabad Zone

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Navrangpura Branch, Ahmedabad Zone

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Hyderabad Main branch, Hyderabad Zone

Kachiguda Branch, Hyderabad Zone

Gachibowli Branch, Hyderabad Zone

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June 2014

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BHARTIYA MAHILA BANK -

CHALLENGES & OPPORTUNITIES Operationalization of BMB

Prelude

The country’s first bank for woman named as Bhartiya Mahila Bank has been inaugurated on the birth anniversary day of late Prime Minister Mrs. Indira Gandhi), which shows that we have reposed confidence in the woman power. The critics alleged that this is a form of

2.1 The question brooding now is who is the customer targeted in shaping the idea of BMB. The banking sector always works on targets and BMB is no exception to it. The bank is vying for 33,400 customer accounts through its 39 branches including satellite and mobile branches in the first year of operation. Apart from the first year target, the bank has also set up its long-term target of setting up 778 branches with 55 lakh customer accounts over the next seven years. The BMB has also plans to set up 127 ATMs in the country during the first year. It has pegged the number of financial transactions per day to a meagre 3,300 for the present though it is expected to rise to 27 lakh transactions over the next seven years.

discrimination promoting biased gender approach. An assertive answer to whether distribution of financial products can be gender specific is the key to success for BMB in meeting its vision and mission and fulfilling the goals for which it has been set up. According to the Harvard Business review, women control about $20 trillion global consumer spending and earn about $18 trillion extending their circle of economic influence, but unfavorable business and regulatory environments impede women entrepreneur from accessing finance. An International Finance Corp. & McKinsey study says this has led to a $320 billion credit gap. A bank exclusively meant for women can indeed address this issue. If so, why don’t we have too many women’s banks across the globe?

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2.2 Since the customer targeted by BMB, prima facie, is the rural women population of the country, the lack of a proper delivery channel for products reaching the rural women population will be the biggest challenge coming up from the very first day of its operations. At present, the BMB has 9 operational branches and all these branches are situated in metropolitan cities. The government has plans to open branches all over the country including a few abroad in future, which for sure will take some time. It depends how serious the government is about achieving the bank’s objectives. The success of BMB will be determined by how quickly it is able to reach the remote rural areas of the country, where it is needed the most. In the budget proposal of 2013-14, the setting up of all women bank with an initial capital of ` 1,000 crore was announced with its headquarter in Delhi. The bank would make its debut by entering the rural

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areas before March 2014 and would focus on centers where working women population is significant. So by any means, the BMB would be inching to meet its real objective only by March 2014. The bank is expected to break even in the next three to five years. BMB’s projected total business mix will be around ` 60,000 crore by 2020. It has been reported that an American based firm FIS Global, in partnership with Wipro is leading the race for `1000 crore contract to provide IT systems to BMB. Initially, the BMB will have a board of directors consisting of eight women from fields such as a business graduate sarpanch, a dalit entrepreneur, a retired banker, an academician, a private equity professional, an executive director and a government nominee, all women. 3.

Prospects of BMB

3.1 Briefly stated, the operational prospects of BMB will focus on lending predominantly to women, there will be no restriction on account opening by men for attracting deposits. BMB will welcome both men and women to open accounts, but for loans there will be a positive bias towards women. The BMB will give loans from day one of its operations. It will lend to women or to businesses which are either managed by or make products for women. There will also be emphasis on funding for woman’s skills developments to help in economic activity. Moreover, the products will be designed in a manner to give a slight concession on loan rates to women. The Bank is looking to give 4.5% on savings bank accounts up to `1 lakh and 5% for above `1 lakh to encourage more savings. The government has chosen the air India building at Nariman Point in Mumbai to open the first branch of BMB. The bank lending mostly to women and women run businesses will support women self-help groups and women’s livelihood that employs predominantly women and certainly addresses gender related aspects of empowerment and financial inclusion. One of its primary goals is the financial inclusion of India’s unbanked, more specifically, rural women. 3.2 One of the key objectives of the bank is focus on the banking needs of women and to promote the economic empowerment through women’s growth and developments. The bank’s approach will be to inspire people with entrepreneurial skills and tie up with NGOs and locally mobilize

women to train them in vocations like toy making, driving tractors, mobile repairs and to reach deeper rural pockets. One of the objectives of the bank is to promote asset ownership amongst women customers. Studies have shown that asset ownership amongst women reduces their risk of suffering from domestic violence. The move to setup BMB is aimed at encouraging women in general and women self-help groups in particular. The women’s Bank is required to facilitate access to financial services, promote asset ownership, women entrepreneurship and participation of women in the economic activities to provide impetus to the process of inclusive growth and also their empowerment. 4.

Challenges for BMB

4.1 After opening, the BMB is receiving a good demand for loans, a stream that will eventually bring revenues and fees. While most of the demand has come from women belonging to places without banks and those who are selfemployed, several working professionals have also approached for home loans. It comes with the challenge of mobilizing deposits. People even from distant places are showing interest in loans. While the bank offers higher interest rates on saving accounts to attract customers, it is still a challenge for the bank to grow deposits. The bank offers a special interest of 4.5 per cent on savings deposits of up to ` 1 lakh and 5 per cent for higher amounts. All public sector banks offer a 4 per cent interest on savings deposits. It is important to establish a banking relationship through the opening of bank accounts before thinking about loans. The higher interest rates could also push up the bank’s finance costs. Yet the bank enjoys certain advantages. Being a new generation bank, it is free from issues like high cost to income ratio that some existing public sector banks have to cope with. According to data available with the Reserve Bank of India, the cost to income ratio of banks in India is 44.53 per cent. Moreover, the use of an established software and good hardware support could keep cost per transaction low. 4.2 It will be a while before the BMB evolves a business model of its own. BMB has sought regulatory leniency for one year in opening branches in rural areas. Besides growing business, building an organization in a highly competitive environment is important and not an easy task. Many new banks have been

Taarangan

June 2014

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Important Activities launched in India in last few decades. The key question is how a new bank is comparing itself with others. Many private banks started as a one branch bank. The BMB too started operations on a pan India basis from day one. Many banks began by focusing on raising low cost deposits. The BMB is proposing business on both sides by accepting deposits as well as giving loans from the start. 4.3 To meet the specific business needs of women in different regions of the country where language and culture differs in every few kilometers will need intricate knowledge of their economic profile by BMB, which will do business with women across the economic strata from high net worth women to low income groups. There will be women with high end degrees and professional qualifications at one end of the spectrum, whereas on the other end the bank will face complete illiteracy. Hence, extra skills would be required by the human resource population of BMB to meet such diverse clientele. The emphasis will be on funding skill development of women. For working mothers, it may look at assistance to set up well managed and hygienic day-care centers as well as starting organized catering services. 5.

Chennai Zone conducted Managers’ Meet. The then GM NBG (S) & at present GM (HR) Shri Charan Singh addressing the participant Managers. (L to R) DZM Shri R K Kularay, then ZM & at present GM NBG (S) Shri Kulbhushan Jain, GM (HR) Shri Charan Singh, DGM NBG (S) Shri A K Madan & DGM NBG (S) Shri V Krishnamurthy.

Conclusion

5.1 The setting up of the BMB is a positive step towards the economic empowerment of women in our country. We hope that Indian women particularly less privileged sections of the society will be benefited.

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5.2 As a public sector entity in future, BMB should establish its own brand value and identity in the financial market. Financial exclusion is a stark reality in India where 72% of its populations still live in villages and 65,000 odd villages do not have any bank branch. Since the economical and social prosperity of the nation comes from this segmented population, it is imperative to bring this unbanked population under the umbrella of banking. In the light of such diversities, the formation of BMB is definitely a welcome sign to meet specific requirements of the rural women population of the country. Rajesh Sharma Chief Manager Vigilance Department, HO

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Activities

National Banking Group (North)

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Activities

National Banking Group (East)

Patna Zone - Bank donated an Ambulance to MCS under Corporate social responsibility. ED Shri B P Sharma addressing the Doctors and staff members of Mahavir Cancer Sansthan in presence of Padma Shree Awardee & Director (MCS) Dr. J K Singh, GM NBG(E) Shri Anil Kumar Bhalla and ZM Patna Zone Shri M N A Ansari.

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Ül v×Ü d¡o j¦ | j¦ l vÖ×Û ¸ ¥ « q ã « fØj ¦ t j¦ ¥ j¦ | } CØ Ø Û } j¦ }° }Ø Î d x d{ | j¦ } j¦ }° }Ø j¦ Ø Î i d }° Ü ¡{ ¶ i q d { ªú œÏ™úœ¸ ™¡¸¸›¸úx

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Ül v×Ü d¡o ¡l | Ü k j¦Û }° Ü Ù Ü ¡~ } ¡{Ü i d tÛd j ¦ d Ø l ¥Ø Ï } Ø tÐ §t j¦Û o Û l° Îj¦ Ü q Ü } q { j¦ à} Ø Î ix

Taarangan

June 2014

} ¸¦} Knowledge Plus

6&(1$5,2 3/$11,1* Your future is always more valuable than today, the sooner you realise that the better - Steve Douglas The above quote though simple in meaning carries a profound message that we should be serious about future. We all know that future is uncertain. Since no one has seen the future and we’re not sure what it has in store for us, we’re left with two options. The first option is to do nothing and allow the future to take its own course. The other option can be to learn from the past, study the trends and try to shape the future to the extent possible. This is what scenario planning tries to do. Simply put scenario planning is a tool for operating with foresight.The definite idea of scenario planning was developed after Second World War by military forces to increase their preparedness and adaptability. Gradually it has moved to corporate sector. Planning is about getting to where one wants to go. Scenarios are about getting there by choosing the best available road. Scenario planning helps to find this road. Projecting the future should not be considered a simplified task as sufficient inputs for this are never

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petve 2014

available. We try to do this by making assumptions. But one should be very careful in making assumptions. Making decisions based on what has happened before can prove to be dangerous in this age of high uncertainty. To believe that business indicators can always be plotted on a simple straight line is nothing but a fallacy. Decision makers at different levels are exposed to the following traps while planning and deciding for the future- The trap of group think which is reflected in the tendency for people to agree with others in a group without examining the issue critically. -Looking at the issue and at the future too narrowly which may result in missing important elements that are out of this narrow vision - Relying excessively on predictions which if doesn’t come true cast adverse effect on the plan and may render it useless Decision makers and planners while deciding plans think of best case, most likely and worst case scenarios. If seen from close quarters all these scenarios turn out to be mathematical variations of each other. The real outcome may be different from all these three predictions as we have seen that future unfolds quite differently. The road to future is not a familiar one. Changes emanating from varied sources have their influences on the directions this road

} ¸¦} Knowledge Plus

will lead to. Such changes may be the outcome of imperceptible trends gradually affecting the business environment resulting into big shifts over a period of time. Unexpected seismic changes may prove to be disruptive and may redefine the competition. When we work on past numbers none of these changes are accounted for. Scenario planning goes beyond the past numbers and is also different from traditional strategic planning. Strategic planning assumes that there is usually one best answer to a strategic question while scenario planning considers multiple possibilities. The objective of scenario planning is not to come with a forecast but to explore multiple possibilities and assess our readiness to face these possibilities. It also helps us to think as to how we can try to shape the future to lead us to the direction we want to take. Defining the key issue is the first step in scenario planning. Any scenario planning exercise is built around a critical choice or key focal issue. For banks few examples can be improving asset quality, building a strong brand or taking productivity to a certain level. Usually we take up significant issues which have larger influences on the organization. Issues take form of questions. The next step is some meaningful research which can be done through interviewing the key stakeholders of the organization and experts who may or may not be from the field. The research should be focused to learn about the driving forces, trends which are likely to affect and influence the issue. Some forces may be stronger than others. Criticality of the forces is also not likely to be equal. Hence influences of the forces have to be analysed accordingly. After this the process becomes somewhat technical. Two most critical uncertainties are taken out to create a 2x2 matrix resulting in four scenarios. Key characteristics of these scenarios, their causes and their possible outcome is explored and then comes the crucial part of providing narrative to each scenario.Every narrative is given a headline which could be easily remembered and can be related to the narrative. The above creative activities bring forth a set of believable simple narratives which stimulate new thinking. The purpose of creating four stories doesn’t mean that one of these is going to be true. Rather it is done with the idea to heighten sensitivity of people, increase their awareness and encourage them to see the bigger picture. Everyone involved should also appreciate the fact that the real future may not be any

of the four scenarios but may contain some elements from all of the scenarios. Narratives on every scenario, with analytical presentation on possible implications are put to top management which uses these inputs in choosing options and making strategies. At this stage the management should think about their own organization and the impact of the scenarios on their choices. In earlier stages only general perspective is taken into consideration. The entire exercise of scenario planning cannot be left to one or two individuals. A group of 10 to 25 people may be assigned the task. Further sub groups may be created to work on a particular scenario. Scenario planning provides foundation for actionable strategies that can be successful under various alternative futures. Some of the questions scenario planning can address are- How the future may unfold and what scenarios may be looming large for the organization/ a particular function? - Which particular opportunities each scenario is likely to hold? - In which scenario the organization will be most competitive? - What capabilities will the organization and its people will require to face the scenario? What the organization has and what it should plan for securing the future? - What should the organization do to be successful in all the scenarios? - How the organization can make itself shockproof in this age of growing uncertainties? It’s true that we can’t envisage future without applying some imagination. This is what scenario planning provides for. Within a given framework it encourages us to be creative and visualize the future. Using scenarios in making strategic decisions requires considerable skill, sophistication, time and effort. This is the reason why it has not been able to find wide applicability. The time has come to examine its relevance for banks in order to have their better alignment with future challenges which they inevitably be facing.

V P Srivastava Chief Manager & Faculty MDI, Belapur.

Taarangan

June 2014

q l j§Ù Awareness

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Poetry

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d} j§ ¦ } d o Taarangan

June 2014

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Activities

National Banking Group (West)

Mumbai South Zone - Extension counter was opened for Conline e-paymentâ&#x20AC;&#x2122;of Court fee, Stamp Duty etc. (Inset pic) Hon'ble Chief Justice,Bombay High Court Shri Mohit S Shah inaugurating the counter in presence of CMD Smt. V R Iyer, ED Shri R Koteeswaran, GM NBG (W) Shri Tarlochan Singh, ZM Shri D K Garg & other dignitaries.

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Mumbai South Zone ZM Shri D K Garg attended CBakery Innovation Seminarâ&#x20AC;&#x2122; held at Worli Nehru Centre, Mumbai and enlightened visitors about Cluster based lending to Bakery units in Maharashtra.

Kolhapur Zone, Pusesavali Branch financed CCar under Star Vehicle Loan Schemeâ&#x20AC;&#x2122;. Sr. Br. Mgr. Shri Deepak Gupta handing over the keys to borrower Dr. Jagdale.

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Mumbai South Zone ZM Shri D K Garg addressing the participants during the training programme conducted on CGrooming on Selling Skillsâ&#x20AC;&#x2122;in presence of GM NBG (W) Shri Tarlochan Singh. Mumbai South Zone ZM Shri D K Garg giving away CBraillersâ&#x20AC;&#x2122; to visually impaired childrenâ&#x20AC;&#x2122;s at National Association for Blind, Worli.

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Activities

National Banking Group (West)

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Navi Mumbai Zone, Dombivali Branch donated a sum of `1.76 lacs for CComputer Labâ&#x20AC;&#x2122; to Jai Bharat School, Dombivali under CSR activity. ZM Shri B K Mohanty handing over of the Cheque to Principal.

Goa Zone ZM Shri Sudhir S Jade met MoS (Independent charge), Tourism and Culture, GOI Shri Shripad Yesso Naik for wishing him on his induction as Minister in Central Government.

Navi Mumbai Zone ZM Shri B K Mohanty handing over of the Cheque of ` 2.25 lacs to Mrs. Steel Morais of an NGO named Prem Seva Mahila Mandal in support of their activity for mid-day meal scheme to under-privileged migrant children.

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Nagpur Zone 1, Kargaon Branch financed crop loan to Cextremely valued three generation customerâ&#x20AC;&#x2122;. Sr. Br. Mgr. Shri Vijay K Sonkusare & staff Shri N B Fukut with Grandfather Shri Pandurang Zigare (Age 95), Father Shri Sitaram Pandurang Zigare (Age 65) and Son Shri Tejram Sitaram Zigare (Age 25) during their visit to branch for renewal of Crop Loan.

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June 2014

} ¸¦} Knowledge Plus

COMPETING ON HUMAN CAPITAL The challenge of competing on human capital is the challenge of managing the interactive cycle of building and leveraging intellectual, social and emotional capital. If someone offers you an amazing opportunity and you are not sure you can do it, say YES and then learn how to do it. – Richard Branson

An organization’s human capital can be broken down into three components ie., three types of resources that people possess. These “individual” resources when cumulated at the organizational level, constitute a company’s human capital. apital. The first element is intellectual ual capital. At the individual level it refers to his or her knowledge, skills and expertise. At the organizational level it is not only the cumulative knowledge, skills and expertise of all the employees but also the knowledge and expertise that is imbedded in or owned by the organization,, including patents, IT based ed knowledge systems or specialized lized process of work. In the recent past, st, much management attention has been paid this id tto thi issue of intellectual capital and rightly so. Knowledge rather than money is increasingly the key competitive differentiator in all types of industries.

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petve 2014

But if individuals with great knowledge and expertise were all it took for achieving outstanding business performance, a society of Nobel Laureates would have created the most successful global company. Knowledge is an essential element but not all that there is to it. The second element of human capital is the social capital - who you know and how well you know them. Relationships have always been vital for business in every society, though our attitudes towards this form of human capital have been mixed. When business is done based a network of “friends” that is relationship marketing. g When you do so it is exploiting “contacts” - somehow not quite aboveboard. When they do the same it is Crony Capitalism - ugly obscene and to be b rooted out! For a company, social capital relates to the s so structure, quality and flexibility of s st the th human networks both inside and a outside. Companies like the Hindustan Lever have historically H built outstanding social capital b within their organizations. By wi various means they have developed vari and and maintained the ability of people people to build formal and informal relationships relationshi that lie at the heart of how work really gets done in these companies. This is also why outsiders recruited at middle or senior levels find it so difficult to become effective - they do not have the internal social capital.

j§ ¡q 3RHWU\ The other aspect of social capital is external - built on the relationships people within the company have with outsiders. Corporate Account management, Relationship Marketing, Supplier Partnerships, regular dialogue with environmental pressure groupsthese are all manifestations of this external factor in social capital. That is why people who studied in prestigious institutions have an advantage over others - their “network” is better positioned. This is also, why socially skilled people who can make friends easily, tend to be great assets for their employers. However, specialized knowledge and a great network of friends are not enough to get things done. Individuals and companies need a third element. That is the emotional capital, reflected in what is described as Can-Do spirit. Individuals need self-confidence, based on self-esteem, courage and resilience to convert their knowledge and relationships into effective action. Organizations require high internal energy and an environment of pride, trust and openness to create a bias for speed and action in rapidly evolving markets. The three elements of human capital are highly inter-related. Social capital, in the form of extensive, fluid and trusting relationships inside and outside the organization, helps develop intellectual capital both by accessing knowledge and by skills outside the company and by sharing, linking and integrating the knowledge and best practices that already exist within the company. Similarly strong and supportive relationships also help in building the courage and grit necessary for entrepreneurship and action taking. In turn, action leads to knowledge - we learn by doing, by experimenting, by testing out ideas. The reverse is also true - knowledge and skills are a prerequisite for effective action.

o o t e W

We too are the children of God, We also know to strike the right chord, Why then this disparity? We do not need charity. We only seek clarity. For we believe in equality. We too are born with intelligence, We also know to strike the right balance, Why then is there less opportunity? We do not need chauvinity. We only seek solemnity. For we believe in egality. We too are versatile, We also know to run the extra mile, Why then this under estimation? We need no donation. We only seek an explanation. For we believe in equation. We too are achievers, We also know how to combat failures, Why then this domination? We need no such combination. We only seek justification. For we believe in association. We too are believers, Not just in God, but also on oneself, Why tolerate discrimination? It’s high time for its elimination, Wake up oh nation, For the not so fortunate, I pray for togetherness in this agitation.

Coming to the brass-tacks, the real challenge of competing on human capital is the challenge of managing this interactive cycle of building and leveraging intellectual, social and emotional capital.

Viswanath Inguva Asst. Gen. Mgr (Retd) Hyderabad Mob 9000212100

Sandhya Bhargavan NBG (South), Chennai

Taarangan

June 2014

7UDYHOORXJH

th 375Year Anniversary

Why do people visit Chennai? Its famous summer lasts for nine months in a year and it rains only to pour and how. But there is more to Chennai than peak summers and nasty auto drivers. For those wondering why Chennai features in New York Times’ list of 52 destinations in 2014, I can list out some of the well known and lesser known reasons. My life is a tale of many cities, but it is Chennai that I proudly wear on my sleeve. For the first 13 years of my service with BOI, I have been posted here twice with total time span of 7 yrs. Chennai to me has never been an unknown destination. It is home and yet as I returned second time in 2011, I discover a new facet to it and explore it with a ‘tourist’s’ eye. So It is a city that is both young and old with a potpourri of cultures, Chennai has that ageless feel to it. The settlement Madras which was founded by the British is barely 400 years old and yet as the city grew, it has in its fold, villages that are more than 1000 years old. Each area has its own history. Areas like Triplicane or Thiruvallikeni, Mylapore or Thiruvanmiyur and Thiruvotriyur have found mentions in the devotional poems and hymns of the saints, Nayanmars and Alwars, composed around the 7th to the 9th centuries. It was the home of Thiruvalluvar, the famous Tamil poet. St. Thomas, one of the apostles of Jesus Christ had preached Christianity here and it is believed that he died here. The region has been ruled by various chieftains of dynasties like Cholas, Pallavas, Pandyas, the Nayaks and the Vijaynagar kings. The Bahmini Sultans under Khilji Dynasty laid siege to the city, the Nawab of Arcot held sway here for a while, Hyder Ali invaded the town and Aurangazeb’s general attacked it, all across different timelines. It is a potpourri of cultures. The Portuguese, the Dutch, the French and the British landed on its shores. Santhome was a Portuguese colony even as the British built Fort St George and established it as the centre of East India Company while the French ruled both the colonies for a while.Chennai or Madras as it was known then has bore the brunt of the First World War when the German ship Emden bombed it. All this melange of cultures can be seen in the many monuments

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that lie scattered in Chennai. An area named after peacocks, Thirumayilai or Mylapore is home to one of the oldest temples in the city. I have visited the 1400 year old Kapaleeshwar temple during the Theppam or the float festival that takes place in the famous tank around the temple. Dedicated to Shiva and his consort, Karpagambal it is one of the 200 temples that have been built in the city. Giving it company in antiquity is the Parthasarthy temple in Triplicane, one of the oldest temples in Chennai built by the Pallavas in the 8th century and dedicated to Krishna in the form of Parthasarthy, the charioteer of Arjuna in the Mahabharata. The Cholas and the Vijaynagar kings had left their touches on the temple. There are several temples in the city that are more than 500 years old and they include the Marudeeshwar temple in Thiruvanmiyur, the Tyagarajar temple in Tiruvotriyur, the Nandeeshwar temple in Adambakkam and the Vadapalani Murugan temple among others. Other include temples dedicated to Kaligamba, Ashtalakshmi, Anjanayaswami, Murugan among other deities. If every street in Chennai has a temple, then there are as many churches in the city, each one narrating a tale. Asia’s first Anglican Church, the only reminder of British Fort St George, The West Minister Abbey of the East, St Mary’s Church was built here in the 17th century. I went there one quiet afternoon to see a register where the marriage of Robert Clive was registered. In the bylanes of Parry’s Corner is an Armenian Street where a lone Armenian church stands, dedicated to the merchants who added to Chennai’s history. But the oldest churches go back to the Portuguese era.The legend says that eight Franciscan Friars sailed to India from Lisbon in the early 16th century. On the way the sea turned rough but they were guided by a bright light which led them towards the shores of Mylapore, where the old house of St Thomas was in ruins.And there are churches that pay homage to St Thomas who brought Christianity to Chennai. Besides the Santhome Church which is built over the tomb of St Peters. On a cloudy monsoon morning, I took a heritage walk around Marina Beach, Chepauk and Triplicane tracing the Wallajah legacy around Wallajah Road. This was once the turf of the

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Nawabs of Arcot. Besides the old mosques built during the period, the Chepauk palace stands here today, which was once the official residence of the Nawabs in the 18th19th centuries. Built in the Indo Sarcenic style, the palace has two blocks -- the Khalsa Mahal and the Humayan Mahal. A microcosm of the city, The Marina Beach is Chennai’s pride and joy, immortalised by several movies. But it is Elliot’s Beach which has taken over from Marina as the city’s preferred beach. Sunrise, sunsets, moonrise -- you cannot ask for a better view. But if there is one drive that you must do, it has to be the East Coast Road leading all the way up to Mahabalipuram and Pondicherry. Temptation comes in the form of resorts and coffee shops,amusement parks and cultural spaces, but then my favourite would be those little patches of blue peeping out from the groves of casuarina. Every child growing up in Chennai could not have not known Guindy Park and Snake Park, wildlife parks located right in the heart of the city, which was on every school’s agenda for excursions. This was once a game reserve and a part of tropical dry evergreen forest and is today considered a national park. Even though it has been walled off from the neighbouring Raj Bhavan and IIT campus, one can spot deer and black bucks in this habitat. For wildlife and birding enthusiasts, Chennai does not disappoint. Migratory birds throng the Pallikarnai swamps, the last of the natural marshlands in the city and around Broken g near Elliots Beach. I have seen flamingos g and p Bridge pelicans in the city b esid es ides ess sev verall o ther b th irds. For rept ptililie lo overs, th there is the besides several other birds. reptile lovers, Croc Cr ocod o ilee Bank near n ar Mahabalipuram. ne Crocodile Come December Dec e ember and the city lives up to its tag as the cu ultltur ural a tag o al the year. All the sabhas in th he ci ccity tyy come com om me cultural off the aalive al ivve with wi th clas cl assi sica cal mu music and d da d nce as classical dance conc co ncer e ts er and concerts and

performances fill the air. However, it is not just in December. The classical season is throughout the year. After all this is the home of Kalakshetra and the Music Academy. But it is not just about Carnatic music and dance. There are theatre fests around the year, contemporary dance festivals and international film festivals galore. Take a peek at the Madras Museum for some dose of heritage and Chola bronzes where art historians take you down the ages. Moreover, visit the Vivekanand House on the beach road, which was once the Ice House where ice from North America was once stored by the British. Idli, dosai and filter kaapi is not the only reason why people flock here. Although there are many Sangeethas and Saravana Bhavans in the city, this is also the non vegetarian’s delight with spicy Chettinadu food and sea food joints leading the fray. Try Ponnusamys or Karaikudi for their spread of fish, fowl and meat. There are several restaurants selling Italian, Greek, Mexican, Korean, Japanese and Chinese cuisine in the city besides Indian. Every five to seven star hotels have multi speciality restaurants and lounge bars and coffee shops. For those who insist that Chennai is a conservative city, you certainly haven’t seen its night life. Here there are clubs and lounge bars that are alive well past the Cindrella Hour. Lose yourself at Illusions, the Madras Pub, Zara tapas bar, Chipstead at The Taj Coromandel, the Q bar, Hilton,, The Flying Elephant, at the Park Hyatt, Leather bar at The Pa arkk among amo others. Park N o ttrip rip ri p is complete without shopping. But in Chennai, souvenir No sh hop ppiing is all about Sarees. shopping O On Onee hass to just visit T Nagar to get lost in realms of silk and ggolden go old lden en n zzari. From Nallis to Pothys, RMKV to Chennai silks, to Rasii to Ra Rasi to Sundari, S every shop competes to give you the brightest an and nd the th he boldest b Kanchipuram silk sarees. I think thin th inkk now in n everybody should agree that it is worth visiting Ch hen enna nna naii again and again. Chennai Prasanna Kumar Chief Manager Head Office

Taarangan

June 2014

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Activities

National Banking Group (South)

Kerala Zone, ZM Shri V Anand alongwith BOI Director Shri P M Sirajuddin handing over assistance amount to Master Nihal Sarin ( World Under 10 Blitz Chess Champion) for his participation in the CAsian Youth Chess Championship’’.

Karnataka Zone, GM NBG (S) Shri K B Jain, ZM Shri A K Azad, DZM Shri S C Sahay at CAnnual Branch Managers’ Conference’ held at Bangalore.

Karnataka Zone, Shahapur Branch AGM being felicitated by GM NBG (S) Shri K B Jain & ZM Shri A K Azad for best overall performance in the FY 2013-14 during Annual Branch Managers’ Conference.

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Visakhapatnam Zone ZM Shri Susil Kumar Agrawal paid a courtesy visit to Newly elected Hon’ble MP of Visakhapatnam & our valued Customer from last 30 years Shri K Hari.

GM NBG(S) Shri Kulbhushan Jain inaugurating the extended portion of Film Nagar Branch, Hyderabad Zone in presence of ZM Shri R S Chouhan & Special Dignitary Smt. Anjana Kumar.

Ernakulam Mid Corporate (South) AGM Shri S P Pillai and Finance Executive Shri Pradeep Kumar Shukla with the most popular Malayalam Cine Actor and a valued client Shri Dilip at his home at Aluva, Ernakulam, after executing the loan documents.

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Activities

National Banking Group (Jharkhand & Chhattisgarh)

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Ranchi - Secretary (Rural Development) Shri L C Goyal, other top level officials of GOI and LDM & CM of our Bank Shri S D Ghoshal during the Presentation by BPL women on progress done by women SHG and other women beneficiary in Village Nawagarh,Ranchi.

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Taarangan

June 2014

Travellouge

DUBAI DOSSIER

Very few people are as lucky as I am. My 50th birthday which was celebrated by my near and dear ones did not include Raghu, my childhood friend who is now in Dubai. But when he realized this, he decided to gift me a trip to Dubai. And that is why I call myself very lucky. And thus happened my first international tour. One day while I was sitting in the office, I received a phone from Raghu. “Milind, please check your mail”, he said. There was a to and fro ticket of Emirates Airlines for Dubai from 2nd February to 16th February, 2014. I felt the duration was too long and expressed so. But he had different ideas and wanted me to get a feel of Dubai instead of just visiting as a tourist. And so the tour was fixed. Incidentally he had come to India during that period, so we were to travel together to Dubai. It takes around 3 hours to reach Dubai from Mumbai. A huge Emirates plane took us to Dubai as we landed there at 5 in the evening. Dubai being west of India, it m must have been 6.30 here in India. After coming out of the huge h airport, we boarded boar the Metro to go to his place. The Metro Me train in Dubai Du i s f u l l y automatic automa bereft of

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motorman. Just imagine, a train of 5 bogies running without a motorman. Each metro station is fully airconditioned. The train comes and stops at a predetermined position. The doors of the compartment as well as the station open simultaneously and the passengers get in and out of the train. Since it is automatic, all the trains run on the dot without even a minute’s delay. As the train had no motorman, I used to rush to the front of the train to capture a wonderful frontal view. All the metro stations also have escalators, stairs as well as lifts to take care of all sorts of people including the physically disabled. The stations also had newspapers kept on the platform, free of charge for anybody to read as well as to carry home. One of the programs on my itinerary was to visit Dubai Mall. A huge mall by any parameters, visiting there entailed a travel by metro again to a station called ‘Dubai Mall’. Spread over a huge area, Dubai mall cannot be seen on any single day.I visited the mall on three occasions. Brightly lit up, the mall contains shops of all the renowned brands of the world. A musical fountain show for half an hour is an attraction of the mall. A huge aquarium comprising a height of nearly 3 floors adds beauty to the ambience. Shops containing chocolates of various sizes, shapes and tastes could not be resisted and I purchased a few of them. A very important landmark of Dubai in general and Dubai Mall in particular is the world’s tallest building “Burj Khalifa”. ‘Burj’ means tower and Khalifa is the

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name of the Sheikh ruling there. Burj Khalifa is a 124 storeyed silver structure. On a particular evening, I could get a beautiful view of a bunch of clouds sailing through some of the uppermost floors of the building. The building has 900 private luxury apartments, 2 luxury residencies, 5 swimming pools on 76th floor and a restaurant on 122nd floor. The building has 57 lifts. A facility to visit the â&#x20AC;&#x153;Top of the Buildingâ&#x20AC;? is in place for a fee of 125 Dirhams. The lifts have a tremendous speed and the entire journey of 124 floors is carried out in flat 60 seconds. The view from the top is exquisite. Another attraction of Dubai is the Desert Safari. Obviously I booked my ticket and enjoyed the tumultuous ride. The Special Utility Vehicles take you through the sand dunes and at times the vehicle is driven vertically and drops itself down ahead on the dunes. Our driver, a Pakistani, was an expert in the act and also drove on the sides of the dunes whisking away the sands which fell on the windows of the vehicle. A drive, which drives you mad. The package of Desert Safari also included a Camel ride, the famous belly dance and a sumptuous local dinner. On a particular Friday, which is a weekly holiday in Dubai, my friend accompanied me to the Zoo at Al-Ain, a place nearly 140 kms from Dubai. The Zoo spread across an area of 900 hectares is a home to over 4000 animals. Animals like giraffe, zebra, ostrich, etc which are not seen in India could be seen from a safe distance. During my stay of two weeks, I prominently noticed the discipline in every walk of life there. The traffic moved at terrific speed but with no congestion and without any unnecessary honking. The pedestrians crossed the roads at the zebra crossing, only upon the signals going green. Another highlight of my Dubai visit was the sight of international brands of vehicles which I had read only in the English novels. I could get myself photographed standing besides Rolls Royce, Lamborgini and Porsche. I could also see limousines of various companies like Ford, Audi, etc. Dubai is in the true sense a cosmopolitan city. You can see

people from all walks of life such as, Japanese, British, Americans, Pakistani, Bangladeshis and of course Indians. Everything is system based with least human intervention. Huge fines are a big deterrent, thereby ensuring absolute implementation of the laws. Itâ&#x20AC;&#x2122;s a great wonder that a desert city, with sands and sands galore is converted into lush green city with no water/electricity cuts. I captured every moment of my stay there, in my heart as no camera can capture the hugeness of Dubai.

Milind S Kulkarni Faculty (IT) MDI, BELAPUR

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June 2014

WAKE UP WOMEN - WAR ON RAPE

The gang-rapes in our country in recent times have not only raised doubts as to whether any female should trust any male in our country but also proved it beyond doubt that any woman or girl moving on her own must be equipped to protect her own self without expecting anybody’s help. Attacks on women are increasing day by day. Perhaps India is such a country where sick male psychology does not make any female feel secure at any place, public or private, on roads, parking, basements, buses, trains. Not only that but the figures and cases state they are not safe in their homes also. Some time ago Pallavi Purkayastha, a young lady advocate was killed in her safest place i.e. in the bedroom of her home by the very watchman of her apartment in Mumbai. The Delhi gang-rape and the recent Mumbai gangrape have shaken the confidence of the otherwise brave metro- women moving independently with courage. A pointed question penetrates the psyche of any concerned and well-meaning citizen of our country, “ARE WE ON A PATH LEADING TOWARDS THE PLACE WHERE NO ONE IS SCARED OF THE LAW OF THE LAND?” The situation so pathetic that we are compelled to say YES to this question because not only the people of means and the affluent take our law for granted but have-nots also have developed a “WHO CARES?” attitude for our system while daring to offend against women. The scenario is alarming and utterly shameful as the whole world watches the brutal episodes through media coverage. Perhaps ours is the weakest law system in the world. Nowadays it is very common for a woman to move alone for work or live alone as a single mother due to compelling life-style circumstances. Many small town girls have to stay in hostels and as paying guests for their further studies or better jobs due to nonavailability of better opportunities at their places. All such females become soft targets and vulnerable in the above-cited scenario of our country. In such a situation of increasing crime against women, every single woman is deeply concerned about her safety. She may rightfully ask our government whether she has been ensured of her safety and well-being at least

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in public places in return of her equal contribution in the development of the nation as much as her male counter-parts? This very question if at all may or may not be asked but it has lost its meaningful repercussion looking to the total inaction and/or delay mechanism of our judiciary where “TARIKH PE TARIKH” (DATES ON DATES) situation prevails leading to the frustrating conclusion of “JUSTICE DELAYED IS JUSTICE DENIED.” The system does not think about the horror, shame and anguish faced by the victim and her family that must be compensated with punishment not less than the death sentence. We all know that the minor among the Delhi gang-rape was the most brutal among all the rapists. And still our law makers are undecided on his fate despite the whole country wanting the harshest possible punishment for all of them. The recent newspaper reports stated that despite our judiciary’s reformist approach towards minors, the crime by minors have risen by 143% during the year. It is high time the women of India prepared herself for the worst situation expecting the least help from anybody. This seems very scary but every single lady must equip and solidify herself with effective self-defense awareness for any untoward happening in her life. Majority of women become prey to the hidden beasts in the situation when they are not in a position to defend themselves. So I wish to highlight some of the preventive measures to ensure selfdefense by women. 1) First and foremost, all girls must know some kind of art of self defense like Karate, Taik-wan-do, and Judo etc. To provide more practical selfdefense, many modern day martial arts schools now use a combination of martial arts styles and techniques, and will often customize selfdefense training to suit the participants’ lifestyles, occupations, age groups and gender, and physical and mental capabilities. At least learning this will make you physically fit and confident even if you are unarmed. 2) Whenever you are subjected to face any strange

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people or situation, try your instinct (inner voice) and listen to it, trust it and alert yourself accordingly for the impending danger so as to think about the means of defense available around. Always remain cautious of your surrounding and try to recognize the very first sign of imminently looming danger and keep your nerves for defense active all the time. The best way is to escape from the scene without a moment’s delay. Being aware of and avoiding potentially dangerous situations is one useful technique of self-defense. Attackers are typically larger, stronger, and are often armed or have an accomplice. These factors make fighting to defeat the attacker unlikely to succeed. When avoidance is impossible, one often has a better chance at fighting to escape; such methods have been referred to as ‘break away’ techniques. If you sense anybody chasing you, instead of hiding yourself try to mingle into some nearby crowd and instantly make a call to the close friend or relative or send SMS. Hiding may isolate you rendering you helpless victim for the chaser. Always ensure to carry a small sharp knife, eyeburning spray, red chili powder, pepper spray with you preferably attached with your keychain if you are riding vehicle and also in your purse. There are so many everyday objects that can be improvised as weapons, e.g. hair spray aerosol in combination with a lighter can be a greatly effective weapon. So whatever you carry, at least it should be easily usable as weapon in case of any kind of attack on you. They are called concealed self-defense weapons that serve a dual purpose. When you reach your destined place where you have to stay for some work, look around cautiously for any unwanted elements after parking your vehicle and then proceed ahead keeping close watch all around for the beastly moves of humans around. If you are going to visit a totally new place, if possible go in the company of some friend. Keep a record of the new address in your cellphone as draft so that in case of emergency, it can be easily sent to your close group as SOS. Be most alert when you park your vehicle in the basement of any building or passing through an isolated/deserted place. Be careful when a stranger tries to extend

excessive help to you without you asking for the same. 10) Always be on the alert while dealing with your male counterpart no matter he is known to you by any means as the bad-intentioned male may try to exploit your but-natural emotional weakness by extending small kind of help or in case you need somebody to give a heed/attention to your personal problems. 11) Whenever you are out of station and required to stay for some longer period, inform all your friends and relatives of your whereabouts, and keep in touch by calling them or at your home just for the sake of calling. Invariably keep things that can be used as weapon while moving out described in the point no 5 above and look around for objects that can be thrown upon the attacker from the surrounding like paper-weight, glass, bottle, flower-pot, hanging photo-frame, heavy book or hard-bound dairy, a small chair etc. 12) Lastly you can learn many more methods of self defense by reading about it through internet search engines. We all agree that there is something wrong with our system and the law has to be changed as there are many loop-holes and weaknesses but the most needed one as of now is the reduction of age of to be considered as juvenile BUT THE QUESTION IS WHEN AND WHO WILL DO IT? Even the Justice J S Verma committee looking into rape laws has not made any such recommendation. Just now while concluding this article, we have heard the first verdict in the brutal Delhi gang-rape where the victim DAMINI or NIRBHAY ( names made popular by media ) and her kin have been denied justice by allowing the minor among the accused to escape lawfully in just three years considering him a child at the age of 17 years and 6 months which can be considered almost 18. Conclusion It is high time women wake up with weapons to ensure their own safety by preventing and or punishing the culprits on the spot. Let the law take its own course. YOU DECIDE YOURS. SAY ITS WAR ON RAPE. Jayesh B Parmar Ahmedabad LCB Taarangan

June 2014

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Activities

National Banking Group (Central)

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e¡{ d¡o « àj¦ i ¦Ø Û q j¦Û j¦Û C §Ø } Î j ¦l d Ü¦ vÛr q j ¦ d q | j ¦ z | d }° Ü i } l d f} d }° Ü ~ Ü ij¦ l° Îj¦ j¦ Ø Û j¦ j¦Û o Û à} Ø Î ix

k ¡v d¡o d d e¦i i k ¡v k ¸ d q Ø v §t | j ¦ d } d }° Ü i j § ¦ f} d }° Ü i Ü i u v §t x j¦ ¥¨¦ j ¦ z | ¦} Û d d v ¢§t } q | d z k z h j ¦ q | j¦ Û zÛ l e¥x Contd.. at pg 55

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d} l Ù | ¤ Other Activities

Bank is PCI DSS Version 2.0 certified The ‘Payment Card Industry Data Security Standard (PCI DSS)’ is a proprietary information security standard for organizations that handle cardholder information for the major debit, credit, prepaid, e-purse, ATM and POS cards.

GM, SISA Information Security Shri Umamaheshwar Rao, handing over PCI DSS 2.0 certificate to our ED Shri B P Sharma. Ex-CGM Shri S K Datta, GM (IT) Shri Deepak Bhayana, AGM (CPD) Shri Chandrasekhar, AGM & CISO Shri Kamlesh Sevak, CM (CPD) Shri Ranganathan & Shri Ketal Patel were also present on the occasion.

The then GM NBG (S) & at present GM (HR) Shri Charan Singh awarding and felicitating WINNER MANAGERS during Managers’ Meet conducted at Chennai Zone

Kolhatur Branch, Manager Smt. Preeti Kumari felicitated for Bravery. She foiled attempted robbery in Branch.

Chief Manager (Overseas Branch) Shri B V R Murthy

Regional Manager (Sud-life) Shri Lijy Abraham for Sud-life

GM NBG (E) Shri Anil Kumar Bhalla, ZM Kolkata Zone Shri P K Vartak handing over a Cheque to the Vice Chancellor, Kalyani University Shri Rattan Lal Hangloo for the ‘purchase of Bus for their University’s need’ as a part of Corporate Social Responsibility.

Navi Mumbai Zone ZM Shri B K Mohanty handed over 2 computers and a printer to Smt. Pratima Rao of an NGO named Sainik Bharti Humanity Foundation doing social service for ex-servicemen and their families.

Under CSR activity, the then ZM Kolhapur Zone Shri P G Bhagwatwar giving Cheque to Sidhhi Vinayak Cancer Hospital Chairman Shri Arvind Marathe along with LDM Sangli Shri M D Kulkarni, CM Miraj Branch Shri Ramamurti in a programme organized by Miraz Branch.

Taarangan

June 2014

} ¸¦} Knowledge Plus

AMIDST COSMOS AND COSMOPOLITAN Almost a year back, visit to the Buddha Smriti Park in Patna had left me mesmerized. The Buddha Smriti Park is situated in front of the Patna Junction and the Mahavir Mandir. This beautiful multipurpose park has been developed by the State Government to commemorate the 2554th birth anniversary of the Lord Buddha. This park was inaugurated by His Holiness Dalai Lama on 27th May, 2010 (Buddha Poornima) amid the chant of hymns and in presence of many dignitaries, including Governor and Chief Minister of the State. He also planted two saplings, one brought from Bodh Gaya and another from Anuradhapura in Sri Lanka, of the sacred Bodhi tree. The Buddha museum in the park gives a detailed insight about Buddha, his life and his teachings. I felt a strange kind of mystic energy in the area as we strolled around. I was left with lots of unanswered question in my mind. A couple of days after the visit I still wondered if it is possible to attain enlightenment in today’s world or it was a prerogative of the Buddha era. Further I was baffled by the thought that do we need to give up all the worldly affairs and go to an ashram or into the wilderness in order to gain real knowledge and wisdom? Is spirituality possible in the contemporary world? What followed next was my internet search on these topics, and a read through lots of articles on spirituality and related videos. I realized lots of research and study has been going on in this area across the world. There are multiple theories and dimensions added by the scholars and researchers. One drop from the ocean in this regard is “Awareness”. What follows next in this article is my understanding and reflections on spirituality. Awareness lies at three levels for any human being – body, mind and soul. The physical body forms the base for a person to exist and be aware. One cannot expect to deliver hundred percent with a dull and lethargic body. The mind which is at second level cannot

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function effectively if the body does not support it. When we wake up from sleep, our body contains toxins and has slow blood circulation leading to sleepy head most of the time. So we need to replenish the body and make it ready and hence aware to take up the day to day activities head on. To invoke the awareness at the physical or body level, one needs to stay fit and healthy. You need not have a six packs abs to develop the awareness at physical level. To follow a healthy diet and do some jogging, yoga or exercises is sufficient to take care of the awareness. The second level of awareness is at the mind level. Our mind keeps on hopping from one thought to the other every second. Even when we try to do a task, our mind toggles between various thoughts which are often unrelated at times. This is purely because of lack of awareness at the mind level. We all have witnessed situations in our college days when we could finish the entire syllabus in a day right before the exam. Ever witnessed from where do we get a sudden increased level of concentration? Is it the fear of the exam or the willingness to excel? The apparent reason could be either of the two but in reality it is the temporary elevated level of awareness of the mind that gives the results. My college-days story continued with the post exams analysis. I used to think if one day before the exam I could do so much with so much concentration then what greatness I could achieve if I study even for half of the time throughout the year. It never came to practice then, because every time I would sit with books my mind would wonder from the dinner menu to the new movie releases and to many more un-called territories. It’s not restricted to studies alone; we experience the same while doing any other task. Our thought process and our work are often out of sync and thus fail in bringing the best in us out. The solution is within our mind. To make it aware about whatever we do, we need to keep reminding our mind until it gets into the habit. We should make our

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mind aware about everything we do, be it as simple as climbing the stairs. Mind should be aware about only that particular moment and not go wandering at all. Many times people say that their work pressure demands them to do multitasking. Multitasking doesnâ&#x20AC;&#x2122;t mean doing all the tasks in a moment. It should be being aware about one task at one moment and when you switch task your mind should be switched it terms of awareness as well. Giving hundred percent each moment being completely aware is the key to perfection. The best example of this would be the Shooting Event at the Olympics. If we compare the skills level for the Gold medalist with the Silver or Bronze medalist, we wonâ&#x20AC;&#x2122;t find much difference. Each one of them is equally good and gives their best but what matters in the end is how aware they are about the target at the final moment. The third and the highest level of awareness is at the soul level which comes by meditation. This awareness is about the existence of the human being in this universe. This awareness is about the wisdom to understand that nothing is permanent in the materialistic world and our life is just a phase in our journey towards the divine power. The awareness at the soul level is about experiencing self and its unison with the ultimate power in the universe from where everything originates. Itâ&#x20AC;&#x2122;s about the preparedness for detachment with the materialistic world. Every living creature in the universe gets life and energy from the ultimate power in terms of cosmic energy. When we meditate we make our body, mind and soul intact to experience the enhanced level of cosmic energy. This process makes us understand about the difference in our physical or etheric body and spiritual or astral body. This level of awareness requires a lot of dedication and practice as has been exemplified by some great personalities like Swami Vivekananda. Awareness at these three levels will lead to a spiritual life within the mess of worldly affairs. If we practice being aware at these levels leve we are bound to be at peace and happiness. To stay amid a lot happin of distractions every eve day and still being aware is a challenge challeng but is not impossible. All we have to do is to maintain a symphony betwee between the cosmos and the cosmopolitan!

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Sandeep S/o Shri S N Mishra Faculty, STC, Noida.

Taarangan

June 2014

~ âÜo Special Feature

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BEST BRANCH SERIES SHIVAJI CIRCLE BRANCH, RAJKOT ZONE Shivaji Circle Branch is a Urban Branch opened on Bank’s foundation Day on 07.09.09. Branch performed to potential especially in last two years and exceeded in all business parameters as well as have catered all social helps to visiting customers and converted them in their fold as an extended family of BOI and established Relations Beyond Banking. Few of them are enlisted hereunder. 1. Branch arranged Satyanarayan Pooja at Branch with Dinner and called all leading as well as potential customers with family members of the staff including other city branches. The entire cost of the sacred occasion was borne by branch staff from their own pocket. 2. The then Branch Manager Shri Bharat Pathak has shown utmost degree of involvement that helped a survivor widow of a customer who had met with an accident and expired, advised her on the benefit of the Star Suraksha A c c i d e n t Insurance. Resultantly, the poor widow could get the benefit of the scheme. This episode received wide publicity in local electronic Media and Print Media that earned a good name for our Bank. 3. Public at large and Customers in particular frequently approached the then Branch Manager, Shri Bharat Pathak, for solution and guidance in respect of legality of their family issues, financial planning, and even confirmation of their decisions. There were cases, when people just visiting the branch to see Shri Pathak for resolving their personal issues relating to their personal wealth management. His personal and human involvement has helped the Branch to gain a Big Mileage and gradually turned the Branch into a Model Branch of the Zone. Keeping all the staff members together, branch achieved exceptional results . Huge CASA Deposits, Sale of Third Party Products like Gold and SUD Life Policies, has been a matter of pride for the Branch and the Zone. Note: We request Zones to identify Model Branches at their Zone and send details to us for motivation and inspiration for other Branches.

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Intrinsic Value The other day, a friend of mine asked me, What â&#x20AC;&#x153; Intrinsic Valueâ&#x20AC;? could mean? On pondering for a while, I replied, Itâ&#x20AC;&#x2122;s the quality or value an object has â&#x20AC;&#x2DC;in itselfâ&#x20AC;&#x2122; In objects and finer things in life that perennially persist. On introspecting deeper into the subject matter, I got to understand its inherent, in depth, true worth The invisible power, that we have blissfully forgotten. On dwelling with closed eyes into the innocent childhood and youthful days, Forgetting oneself and asking the conscience to speak of truthful ways, Doesnâ&#x20AC;&#x2122;t your motherâ&#x20AC;&#x2122;s caressing touch have it? Or your fatherâ&#x20AC;&#x2122;s consoling voice in times of distress? The pep talk enjoyed at the dining table with family The small squabbles amongst brothers and sisters, that binds us closer, A friendâ&#x20AC;&#x2122;s firm assurance â&#x20AC;&#x153; I am there for youâ&#x20AC;? , when in sorrow or gloom. The bed times tales read and enacted by loving grandparents, The true ue love and care showered by them with playful layful games. Listening ng together to good music with family amily at night, The gathering athering of relatives during times of sorrow and joy, The playground ayground at school that taught aught true sportsmanship, The college llege that instilled proud d good discipline and pr p o d ccitizenship, ou itt ize ens nshi hip, p p, The societyâ&#x20AC;&#x2122;s cietyâ&#x20AC;&#x2122;s role in moulding brotherhood ing the spirit of b rothe ro erho hoo od od The friends ends at work, who teach common goal, each unity to achieve a commo on go g al, al The innocent nocent smile of children that makes life f worth living, All their â&#x20AC;? Intrinsic Valuesâ&#x20AC;? have added meaning to our lives, Which sadly gets obscured, of late, by the greedy materislistic mind.

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Kurunthil Meena Murali Chennai Zone

Taarangan

June 2014

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WHO IS RIGHT ? Even a child tends to think originally and tries to behave in the way it feels right. But the parents and elders often tend to differ and do not allow the child to act in its chosen way. It is not that the parents and well wishers want to discourage the original thinking or action but in their perception the child’s way of thinking and behavior are wrong. They may argue that the child is not aware of the expectations of the people around and should be conditioned to suit the society. Need for supporter base But even later, as the child grows up into a boy and a man, his actions are not always accepted by people around. With experience the person may fall in line with others or learns the art of making others accept his way of thinking. In course of time, most of his decisions – right or wrong – are accepted by one group of supporters around him though rejected by another group of biased people. The supporters are either like-minded people or a mere coterie who support for the sake of supporting without ever applying their mind. In this world what is spoken is not important but who speaks is more important. We can experience this every day in political parties where leaders decide and cadres just follow, the CEO takes decisions unilaterally or with the implicit or explicit support of the board, religious groups where

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the Guru, Pope / Father etc. take decisions and the support of the followers is taken for granted. Even at home mother supports all actions of her pet son, mother-in-law rejects all actions of daughter-in-law and vice versa depending on the power wielded by each of them. Perception decides what is right When there is a dispute between two persons or groups of persons, every one strongly pleads that he is absolutely right and the other is wrong. When an impartial mediator or judge hears them, each party makes out his case so well that the judge would be more often confused. It is not only the power of argument and command of language that makes their case appear right. In fact each one is right in the way they look at the issue. The same object would appear green to a person wearing green glass and yellow to the other person wearing yellow glass. This would mean that it is the perception of each person or group that makes them believe “my side is right” and “the other side is wrong”. Making an issue right There is one more dimension to the issue - that of trying to argue out a false and wrong case as right through deception with false witnesses and power of argument. Frequently some individuals and groups hide the truth and make others believe otherwise.

j§ ¡q 3RHWU\ They may even succeed to make others accept the wrong as right by brow beating, creating illusions, coercion and muscle power. But such a decision will not stand the test of time. Thin line between right and wrong Very often the decision of a lower Court is over ruled by a higher Court. Even in higher court the decision of a single judge is set aside by a bench of two judges. This in turn is rejected by a full bench of 5 judges. This may happen in case the judges are tainted or when some of them buckle under pressure. But even when the judges are impartial and there is no external influence or interference such frequent changes of decisions take place. As the same issue is examined under same set of rules, the considered decision of every Court should have been the same. The change of interpretation is due to the thin line separating right and wrong.

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Right is not always right We are also aware of the proverbs that “Boss is always right” and “Might is right”. So, right is not always right and Right under one set of circumstances and time frame may not be right under other conditions. What is right in one country may not be so in another. Right and Wrong are only perceptions and one should not come to a hasty conclusion unless the issue is analyzed impartially. Be aware that your own beliefs and perceptions could also color your analysis and your decision. There is hardly any sterilized environment to decide an issue as completely Right or Wrong.

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The head approaches an issue mechanically in the light of standard rules, regulations and precedents. But the heart approaches the issue with sympathy, giving concessions to the others’ point/s of view. Frequently there is conflict between the decision of the head and heart. D. EKAMBARAM Retired AGM Navi Mumbai

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Activities

CMD Smt. V R Iyer addressed the participant DROs during `Induction Training Programme' conducted by MDI. GM & Principal Shri Debashish Chakraborty, VP & AGM Shri Chandra Mohan and all faculty members & participants' along with CMD.

GS, FOBOIOA Shri Harvinder Singh addressed the participant DZMs of various Zones during the training programme conducted by MDI on `Positive Approach on Vigilance Administration'. GM & Principal Shri Debashish Chakraborty, VP & AGM Shri Chandra Mohan and all faculty members & participants' along with Shri Singh

GM & Principal Shri Debashish Chakraborty, along with GM, RBI Shri S K Gupta and all faculty members & participants' during training programme conducted for `Central Bureau of Investigation (CBI) officers'.

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AWARDS SUCCESS STORY

Gramin Bank of Aryavart, Lucknow has been conferred with "Skoch Order of Merit" in the field of "India's Best Financial Inclusion & Financial Deepening Projects 2014" in New Delhi. Shri J S Ravi Kumar, Chairman of GBA receiving the award.

Smt. Sunita Sanjay Yadav Village-Wagve, Tal-Panhala Smt. Yadav has studied upto 8th std. and married to an agriculturist who is cultivating rice crop. To augment their income, she purchased a buffalo in 2007 and started selling milk. She attended our RSETI course for dairy management from 30-01-2013 to 04-02-2013. During the course CEO-ZP also interacted the participants. During his interaction Smt. Yadav was proactive in answering the questions of CEO on the sessions learned in the course.

Gramin Bank of Aryavart, Lucknow has been felicitated on the foundation day of NABARD for forming one of the six best Kisan Clubs out of 25000 Kisan Clubs in the state of UP by NABARD in Lucknow. Shri J S Ravi Kumar, Chairman of GBA along with other 5 bankers & 6 selected Kisan Club members.

She has availed the loan of `80,000/- from Bank of India, Porle Turf Thane Branch for purchase of two buffaloes. Her total investment is `1.20 lacs. She earns about `7000/- with net earning of `4500/She now plans to construct cattle shed and add two animals every year.

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June 2014

d} l Ù | ¤ Other Activities

19th Triennial Delegate Session of the Federation RI %DQN RI ,QGLD 2IÀFHUV· $VVRFLDWLRQV The 19th Triennial Delegate Session of the Federation of Bank of India Officers’ Association was held in Kolkata. The Former Lok Sabha Speaker Shri Somnath Chatterjee inaugurated the session. The GS Com. Harvinder Singh, President Com. Sunil Kumar along with GM, NBG (E ) Shri Anil Kumar Bhalla, Com. Harshvardhan Madabhushi, President AIBOC Shri Swamy Tattaswarananda were also present. Besides 700 delegates across country ED Shri R Koteeswaran, GM (Intl.) Shri R A Sankaranarayanan & GM Shri Rajiv Saxena attended the session. The Business Session concluded with the house unanimously re-electing the entire team for the term 2014-17.

NATIONAL CONFERENCE OF WOMEN’S WING OF FBOIOA AT BHOPAL Bhopal-The Federation of Bank of India Officers’ Associations (FBOIOA) organized National Conference of Women on 4th May, 2014, at STC Auditorium, Bhopal, in which Women’s Wing of the Federation was formed. The conference was attended by over 90 delegates representing all the seventeen Units of the Federation. The meeting was presided over by Com. Harvinder Singh, the General Secretary FBOIOA and All India Bank Officers’ Confederation. The Hon’ble Chief Guest, Ms. Aruna Mohan Rao, additional Director General of PoliceAJK and Mahila Cell, inaugurated the conference. ZM, Bhopal Zone, Sh. Rajiv Gupta, the Zonal Manager, Bhopal Zone, proposed vote of thanks for the inaugural session. In his address Com. Harvinder Singh, who elucidated the

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objectives of formation of the Women’s Wing including cadre development to take care of problems of lady comrades which are women specific, etc. Covering various women based issues, he succinctly pointed out the fundamental rights, women’s specific legal provisions in the labor laws, family laws, inherited laws and statutory provisions related to work places etc. and the protection under the law available to the women. A Committee was formed to organize the activities of the Women’s Wing in which Com. Ameetaa Sharma was elected as its Chairperson, Com. Aruna Agnihotri as Secretary and Com. Sheela Menon & Com. Sujata Hatkar as two Deputy Secretaries. The Conference concluded with vote of thanks proposed by Com. Sujata Hatkar.

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June 2014

{┬Ю┬Д┬Нtj┬з┬Ъ┬Я┬Ч┬Ъ View Point

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leejebieCe

petve 2014

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Taarangan

June 2014

|± Ù Dhruv Taare

s n o i t a l u t a r g Con SWETA VIJURAJ Risk Management Department Head Office `Certified FRM’ GARP (Global Association of Risk Professionals)

Airtel Golden Goal award of Rs. 10,000/- bagged by our staff officer Shri Chandraprakash Ruhia, Khelari Branch in Hockey India League at Astroturph International Hockey Stadium, Ranchi

n o i t a i c e r p p A The collection of school & college fees on behalf of HSC and SSC Board was undertaken by our Pune Zone from last two years under Menu Option “MAHAFEE” which was very time consuming and lots of difficulties were being faced by our staff at different branches as our bank was sole one to collect fees on their behalf through Maharashtra. Shri Pradeep Pargaonkar, Aurangabad Branch, Pune Zone took this matter with appropriate authorities i.e IT and Data Center regularly for modification of this menu to make it convenient for the branches to collect hassle-free fees. Taking into consideration his suggestion on the Menu new Menu option “MAHAFEES” was introduced and now it has become very easy to collect fees thus saving time. We appreciate the efforts put in by Shri Pradeep Pargaonkar in the interest of the bank.

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Airtel Golden Goal Award Winner

petve 2014

KUDOS Major Ashlesha d/o Smt. Aditi Ashok Tawde, Naigaon Cross Rd Br, MSZ, Major Ashlesha passed M.B.B.S from M.H.V and joined Indian Army (Medical Core) as Captain in February 2009. She was posted at Naushera, India-Pakistan border town in Jammu & Kashmir for 3½ years. Presently, she is promoted as Major and has been posted at INS HAMLA Marve, Malad, Mumbai. KUDOS to her from Bank of India.

Ninad s/o Shri Namdeo G Ghode, mentally handicapped child has participated in various sports/games Main participation in 2013 special Olympics Asia Pacific Regional Games held from 29th Nov-7th December 2013 in Newcastle, Australia Foot ball.Event II A side & secured 6th position. He has accounted to 35 medals (Gold, Silver & Bronze) and 7 trophys to his credit. KUDOS to his achievement from Bank of India.

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{ ¡ Reminisces

WE HAVE

A TIGER CUSTOMER

“We have a Tiger Customer’’ at the Bank Once we had inserted an Advertisement in News Paper with the Title “We have a Tiger Customer’’ at the Bank. Believe, it or not it was our matter of pride to serve/ to provide Customer service to a living Tiger. That customer was earning Foreign Exchange from throughout the world. That Tiger was once brought to the Branch, stood at the cash counter on the command of the Master, snap was taken & It was the matter of the advt. Those who have joined the Bank before mid-80s & particularly served at Orissa some of them might have got the opportunity to shook hand with that customer. Apart from that, those who were crazy for wild life they also tasted the thrill. By virtue of my posting at Baripada Branch (HQ of Mayurbhanj Distt.) from 1978, I had seen the customer & got the opportunity to serve by settling its ‘deceased claim in 1984, when I was wa w as posted post po sted st ed d aass the the Manager th Maana nage age gerr of o that tha hat Branch. hat Brran B nch h. off th the Thee name Th namee o he Khairi, wass Kh wa K airi ai rii, the ri, the customer was tthee cu th cust sttom omer err w as Choudhuri, who wh w ho was wass th wa thee forest fo ore rest st rranger ange an gerr & ge took to ookk its its ccustody usto us tody to dyy while wh w hil ie that th att cub ttender te en end nd der cub b

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customer master off masstter o ma Sarojraj

petve 2014

was lying on the bank of KHAIRI, a hilly river. It was named after that river. The river flows in the Simlipal Forest Range, declared as a National Park. The cub grew up with a Human Family. When it became a worldwide face, the flow of visitors made the place famous particularly visitors from abroad. It became a full-grown adult. The master had to open the Bank a/c to encash the contributed Dollar & Pound etc. to Khairi. It was a female one. As interacted with Sarojraj who made the in depth study of Khairi given to understand that it was possible for him to make it pet as it had never tasted the blood. The name of the Branch is Jashipur. The SB a/c no. of Khairi was 39. In 1984, when the payment of deceased was made to the legal heir of Mr. Choudhuri who died within a year after Khairi’s death the amount was around `40 thousand. My pleasure is that I have seen the customer & served the customer after its sad demise. Now a days adoptation of animals at Zoo has become a fashion to show the inclination. But it's a fact with Fantasy. (Based on my memories of mid 80s)

Ujjwal Kanti Ain Ex.Counselor, Abhay Kolkata Centre

÷¸½ íÿ..íÿ. ‚¸œ¸ ‚¸œ¸ˆˆÅíí÷¸½ You said it...

aid it.

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Ø l o ¥ oo ¥ j¦ d o ¥ j¦ z k j¦ ÎÛ l j¦ d j¦ ÎÛÛ z | j¦ ã v Û ÎÛx e « }°j¦ Ø Ø k Ø y o | i Ø y â} Î l d Î d ã Û ÎÛx e « l ã ¥Ø z d f} { Î o | } j¦ l Ûx e } j¦ « Î Î z d f} { Î q l Î j¦ ÎØ Û| j§ ^ j¦ Ø y }° l j¦ l Î x } j¦ « d k q j§ Mantra For A Happy Banker Î Ø ÎÛ doâ d Âz } Û¥ l x } j¦ j ¦ Ü¦ } z| j ¦ i } zj¦ v j¦ Î z¥j¦ { e¥x ã j¦ | d « ÎØ £¸¢q }{ j§ { ll d }° d Ø

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Taarangan March 2014 printed on a beautiful glaze paper with multi-color printing-good get up. The information provided through article on spotting the real deal-check points to verify the genuine currency notes and a fake note is very useful for all. How Mr. Joshi is saved from the habit of share Bazar, Theory of evolution, Ten Avatars explained in simple language by Mr. Vasudevan are really appreciable. Introduction of New GMs is useful for retired persons like us. Congratulations. Waiting eagerly for the next addition. Yagnesh J Gokli

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banking” Debashree D/o Shri S K Mishra +HDG 2I¿FH

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Corporate Office, Newly constructed Star House - 2, Bankâ&#x20AC;&#x2122;s First Green Building at BKC , Bandra (East) Courtesy : Premises Department, Head Office.