Taarangan December 2015 by Sartaj Mohd Shakeel

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2015

Bank of India’s Quarterly House Journal December, 2015

yeQkeÀ Dee@]HeÀ Fbef[³ee keÀer efleceener ie=nHeef$ekeÀe efomebyej, 2015

Bank of India’s Quarterly House Journal December, 2015

ABCI

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Radhanath Kar

R C Baliarsingh

B V Upadhye

S M Shakeel

Chief General Manager

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Chief General Manager

08 ¢¨¸©¸½«¸

Vigilance Awareness Week

Training & Development

General Manager

Editor

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A Quarterly Bilingual House Journal of Bank of India

Are you efficient enough in Anger Management?

‚¿ˆÅ - ¢™¬¸¿¤¸£, 2015 Volume - December, 2015

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Shining Star of Bank of India

Why there is a need for a Reverse Mortgage Loan?

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Growing Significance of Compliance Function in Bank an Overview

Printed, Published and Edited by S. M. Shakeel on behalf of Bank of India, Published from Head Office : Star House, G-5, 'G' Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400 067 and printed at SAP Print Solutions Pvt. Ltd. 28, Lakshmi Industrial Estate, S.N. Path, Lower Parel (W), Mumbai - 400 013.

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ˆÅ ¤¸¸£ œ¸º›¸À Ÿ¸º ¸½ ‚œ¸›¸ú ¢÷¸Ÿ¸¸íú Š¸¼íœ¸¢°¸ˆÅ¸ `÷¸¸£¸¿Š¸µ¸' ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚¸œ¸ˆ½Å ¬¸¸˜¸ ¬¸¿¨¸¸™ ¬˜¸¸¢œ¸÷¸ ˆÅ£÷¸½ íº‡ ‚÷¡¸›÷¸ œÏ¬¸››¸÷¸¸ í¸½ £íú í¾— íŸ¸¸£ú Š¸¼íœ¸¢°¸ˆÅ¸ ¨¸¸¬÷¸¨¸ Ÿ¸Ê íŸ¸¸£½ ¤¸ÿˆÅ ˆ½Å ¥¸¸½ˆÅ¸ ¸¸£ ˆÅ¸ ‚¸¿÷¸¢£ˆÅ ž¸¸Š¸ í¾ ‚¸¾£ íŸ¸¸£½ ¬¸ž¸ú ˆÅŸ¸Ä ¸¸£ú, ¬¸½¨¸¸¢›¸¨¸¼î¸ ‡¨¸¿ ˆÅ¸¡¸Ä£÷¸, ƒ¬¸ˆÅ¸½ œ¸ õ›¸½ ˆÅ¸ ƒ¿÷¸ ¸¸£ ˆÅ£÷¸½ íÿ—

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Managing Director & Chief Executive Officer

Ÿ¸½£¸ Ÿ¸¸›¸›¸¸ í¾ ¢ˆÅ ±¸¸›¸ ¬¸¿¨¸ÖÄ›¸ ˆ½Å ‚¢÷¸¢£Æ÷¸, ‡ˆÅ ‚ Žú œ¸¢°¸ˆÅ¸ ‚œ¸›¸½ œ¸¸“ˆÅ¸Ê Ÿ¸Ê ¤¸íº÷¸ ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ … ¸¸Ä ‡¨¸¿ ‚œ¸›¸½œ¸›¸ ˆÅ¸ ž¸¸¨¸ ¢¨¸ˆÅ¢¬¸÷¸ ˆÅ£ ¬¸ˆÅ÷¸ú í¾ ¢ ¸¬¸ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¥¸¸½Š¸¸Ê ‡¨¸¿ ¬¸¿Š¸“›¸¸Ê ˆÅ¸½ ¤¸™¥¸›¸½ Ÿ¸Ê ¬¸í¸¡¸÷¸¸ ¢Ÿ¸¥¸÷¸ú í¾— ¡¸í ‡½¬¸½ Ÿ¸¿ ¸¸½ Ÿ¸Ê ¬¸½ ‡ˆÅ í¾ ¸í¸¿ í£ ˆÅ¸½ƒÄ ‚œ¸›¸ú £¸¡¸ £‰¸ ˆÅ£ ¬¸ˆÅ÷¸¸ í¾, ‚œ¸›¸½ ‚›¸ºž¸¨¸ ¬¸¸ ¸¸ ˆÅ£ ¬¸ˆÅ÷¸¸ í¾ ‚¸¾£ ¢¨¸¢ž¸››¸ ¢¨¸«¸¡¸¸Ê œ¸£ ‚œ¸›¸½ ¢¨¸ ¸¸£ œÏ¬÷¸º÷¸ ˆÅ£ ¬¸ˆÅ÷¸¸ í¾— ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê, Ÿ¸º ¸½ ‰¸º©¸ú í¾ ¢ˆÅ íŸ¸¸£ú Š¸¼íœ¸¢°¸ˆÅ¸ ‚œ¸›¸ú ž¸»¢Ÿ¸ˆÅ¸ ¤¸íº÷¸ íú œÏž¸¸¨¸ú ¿Š¸ ¬¸½ ¢›¸ž¸¸ £íú í¾— Dear Colleagues,

nce again I am delighted to communicate with you through our quarterly In-house Journal ‘Taarangan’. Our House Journal is indeed an integral part of our Bank’s ethos and all employees, past and present, look forward to reading it. I believe that apart from enriching knowledge, a good journal can generate a very positive energy and sense of belongingness amongst its readers which in turn can help in transforming people and organizations. It is also one of the platforms where one can express his/her views, share experience and present ideas on various topics. Towards this end, I am happy that our In-House journal is playing its role effectively.

¬¸¿™½©¸ MESSAGE

Ÿ¸ÿ ƒ¬¸ ‚¨¸¬¸£ ˆÅ¸ ¥¸¸ž¸ „“¸÷¸½ íº‡ œ¸º›¸À ¡¸í ™¸½í£¸›¸¸ ¸¸í»ÂŠ¸¸ ¢ˆÅ `¬’¸£ ¢Ÿ¸©¸›¸ ¨¸›¸' íŸ¸¸£ú £µ¸›¸ú¢÷¸ ¤¸›¸ú £í½Š¸ú ‚¸¾£ íŸ¸¸£ú ¬¸¨¸¸½Ä ¸ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ‡›¸œ¸ú‡ œÏ¤¸¿š¸›¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú—

‚¸œ¸ ¬¸ž¸ú ¢¨¸î¸ú¡¸ ¨¸«¸Ä 2015-16 ˆÅú ÷¸ú¬¸£ú ¢÷¸Ÿ¸¸íú ˆ½Å œ¸¢£µ¸¸Ÿ¸¸Ê ¬¸½ œ¸¢£¢ ¸÷¸ íÿ— ˆÅí›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ›¸íú¿ í¾ ¢ˆÅ Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ ‰¸£¸¤¸ ‚¸¦¬÷¸ Š¸ºµ¸¨¸î¸¸ ˆ½Å œ¸¢£µ¸¸Ÿ¸¬¨¸³Åœ¸ ¢ˆÅ‡ Š¸‡ ‚œ¸½¢®¸÷¸ ¨¸¼í÷¸ œÏ¸¨¸š¸¸›¸¸Ê ˆ½Å ˆÅ¸£µ¸ œ¸¢£µ¸¸Ÿ¸ ¢›¸£¸©¸¸ ¸›¸ˆÅ £í½ íÿ— Ÿ¸ÿ ƒ¬¸ ‚¨¸¬¸£ ˆÅ¸ ¥¸¸ž¸ „“¸÷¸½ íº‡ œ¸º›¸À ¡¸í ™¸½í£¸›¸¸ ¸¸í»ÂŠ¸¸ ¢ˆÅ `¬’¸£ ¢Ÿ¸©¸›¸ ¨¸›¸' íŸ¸¸£ú £µ¸›¸ú¢÷¸ ¤¸›¸ú £í½Š¸ú ‚¸¾£ íŸ¸¸£ú ¬¸¨¸¸½Ä ¸ œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸ ‡›¸œ¸ú‡ œÏ¤¸¿š¸›¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¸½Š¸ú— ƒ¬¸ ¦¬˜¸¢÷¸ ¬¸½ „¤¸£›¸½ ˆ½Å ¢¥¸‡, íŸ¸Ê `‡›¸œ¸ú‡ ¬¸½ ¡¸ºÖ' ˆÅú ‹¸¸½«¸µ¸¸ ˆÅ£›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¾ ‚¸¾£ ƒ¬¸ ¬¸¿¤¸¿š¸ Ÿ¸Ê ¬¸¸Ÿ¸»¢íˆÅ œÏ¡¸¸¬¸ ˆÅ£›¸½ íÿ Æ¡¸¸Ê¢ˆÅ íŸ¸¸£¸ œ¸»£¸ ‚¦¬÷¸÷¨¸ ƒ¬¸ ®¸½°¸ Ÿ¸Ê ¬¸ˆÅ¸£¸÷Ÿ¸ˆÅ œ¸¢£µ¸¸Ÿ¸¸Ê œ¸£ íú ¢›¸ž¸Ä£ í¾—

You all are aware of our Q3, FY 2016 results. Needless to say, the results have been disappointing mainly due to the large provisions required to be made as a result of deteriorating asset quality. I would take this opportunity to once again reiterate that while ‘Star Mission One’ will continue to be our strategy, our Top Priority needs to be NPA Management. To hammer home the point, we need to declare “War on NPAs” and put in concerted efforts in this regard since our very survival is dependent on the positive results in this area.

Ÿ¸ÿ ‚¸œ¸¬¸½ ‚¸ŠÏí ˆÅ³¿ÅŠ¸¸ ¢ˆÅ ‚¸œ¸ˆÅ¸½ ¤¸ÿˆÅ ˆÅú £µ¸›¸ú¢÷¸ ˆ½Å œÏ¢÷¸ ‚œ¸›¸¸ ´¦«’ˆÅ¸½µ¸ œ¸»µ¸Ä÷¸À ¬¸¢ÇÅ¡¸ £‰¸›¸¸ í¾— ¨¡¸¨¸¬¸¸¡¸ ¨¸¼¢Ö œ¸í¥¸¸Ê ˆ½Å ‚¢÷¸¢£Æ÷¸, ‚¸œ¸ œÏ½£µ¸¸÷Ÿ¸ˆÅ ¥¸½‰¸ ¢¥¸‰¸ˆÅ£ ž¸ú ¬¸í¡¸¸½Š¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ— ¨¡¸¨¸¬¸¸¡¸ œ¸®¸ ‡¨¸¿ ‡›¸œ¸ú‡ ¨¸¬¸»¥¸ú œ¸£ ‚œ¸›¸½ œÏ½£ˆÅ ‚›¸ºž¸¨¸¸Ê ‡¨¸¿ ¬¸ûÅ¥¸ ˆÅí¸¢›¸¡¸¸Ê ˆÅ¸½ ¬¸¸ ¸¸ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ— ‚¸œ¸ œ¸¢°¸ˆÅ¸ Ÿ¸Ê ©¸¸‰¸¸‚¸Ê ¡¸¸ ¬’¸ûÅ ¬¸™¬¡¸¸Ê ˆ½Å ¤¸¸£½ Ÿ¸Ê ž¸ú ¢¥¸‰¸ ¬¸ˆÅ÷¸½ íÿ ¢ ¸›í¸Ê›¸½ ¤¸ÿˆÅ ˆÅú £µ¸›¸ú¢÷¸ ˆ½Å ‚›¸º¬¸¸£ ¤¸íº÷¸ íú „÷ˆ¼Å«’ œÏ™©¸Ä›¸ ¢ˆÅ¡¸¸ í¾—

I will urge upon you to be proactive in your approach towards the strategy of the Bank. Apart from business growth initiatives, you can also contribute by writing motivational articles; share your inspiring experiences and success stories on business front & NPA recovery. You can also highlight the branches or staff members in the journal who have performed exceptionally well in line with the Bank’s strategy.

Š¸¼íœ¸¢°¸ˆÅ¸ Ÿ¸Ê ‚œ¸›¸½ ‚›¸ºž¸¨¸¸Ê ‡¨¸¿ ¢¨¸ ¸¸£¸Ê ˆÅ¸½ ¢¥¸‰¸›¸½ ‚¸¾£ ¬¸¸ ¸¸ ˆÅ£›¸½ Ÿ¸Ê ¢í ¸¢ˆÅ ¸¸‡¿ ›¸íú¿ Æ¡¸¸Ê¢ˆÅ ¡¸í ¤¸ÿˆÅ ˆ½Å ¢›¸š¸¸Ä¢£÷¸ ¥¸®¡¸¸Ê ˆÅ¸½ œÏ¸œ÷¸ ˆÅ£›¸½ Ÿ¸Ê ™»¬¸£¸Ê ˆ½Å ¢¥¸‡ œÏ½£ˆÅ ¬¸¸¢¤¸÷¸ í¸½ ¬¸ˆÅ÷¸¸ í¾— Ÿ¸º ¸½ œ¸»µ¸Ä ¢¨¸æ¸¸¬¸ í¾ ¢ˆÅ ˆ½Å¨¸¥¸ íŸ¸¸£½ ¬¸¸Ÿ¸»¢íˆÅ œÏ¡¸¸¬¸ íú íŸ¸¸£ú ‚¢÷¸¢œÏ¡¸ ¬¸¿¬˜¸¸ ˆÅú ¸Ÿ¸ˆÅ ˆÅ¸½ ¨¸¸œ¸¬¸ ¥¸¸ ¬¸ˆÅ÷¸½ íÿ— ƒÄæ¸£ íŸ¸¸£½ ¤¸ÿˆÅ ‡¨¸¿ ¤¸ÿˆÅ ¬’¸ûÅ ¬¸¢í÷¸ íŸ¸¸£½ œ¸¢£¨¸¸£ ˆ½Å ¬¸ž¸ú ¬¸™¬¡¸¸Ê ˆÅ¸½ ‚¸©¸ú¨¸¸Ä™ ™½— ‚¸™£ ¬¸¢í÷¸— ¬¸¸ž¸¸£,

Do not hesitate to write and share your experiences and ideas in the house journal as it can motivate others to achieve the coveted goals of the Bank. I firmly believe that only our collective efforts can bring back the glory of our beloved institution. May God bless our Bank as also each one of you and your family. With Warm Regards,

Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½

Melwyn Rego

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Dear Readers,

e are delighted to present you the new edition i.e. December 2015 of our In-house Journal ‘Taarangan’. We know that you all await passionately for each edition with full excitement. Once again, we are happy to share that our journal has been conferred with PRSI National Award 2015 under Best In-House Journal Category. We sincerely dedicate this award to our eminent readers and contributors. We are aware that banking industry is passing through a very tough and testing times and our bank is no exception. However, to come out of this challenging situation our Top Management has outlined strategies like ‘Mission Star One’ and ‘War on NPAs’. At this juncture, our sole focus should be on the goals as envisaged in those strategies. I would like to share one simple yet tested idea to achieve personal or organizational goals for the benefit of readers. “Simply fix your eyes upon your goal – visualize it with every ounce of your being; enjoy the prospect of it – and courageously set out toward it. Maintain a cheerful, helpful attitude toward everyone. Why shouldn’t you be cheerful, since you know you’ll achieve everything you’ve set your heart upon? You’ll be surprised at how quickly you’ll reach your goal.” I am sure that together we have and we will achieve the desired goals and take our bank to the new heights of glory. In this edition, we have touched upon various topics in general and banking in particular which will educate and entertain you. We have continued our endeavor to update all readers with the latest happening in the Zones/Branches/Offices across country and abroad. We hope that you all will like this edition. Enjoy Reading! Please send your suggestions and feedbacks at HeadOffice.Taarangan@bankofindia. co.in

(¬¸£·¸¸ ¸ Ÿ¸øíŸŸ¸™ ©¸ˆ ú¥¸ Sartaj Mohd. Shakeel)

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‚íŸ¸™¸¤¸¸™ ‚¿ ¸¥¸ ‚¸Š¸Ÿ¸›¸ œ¸£ ¬’¸ûÅ ¬¸™¬¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ — ¬¸¸˜¸ Ÿ¸Ê, (¤¸¸‡¿ ¬¸½) ‚¸¿.œÏ. ‚íŸ¸™¸¤¸¸™ ‚¿ ¸¥¸ ªú £¸ ¸ˆºÅŸ¸¸£ ¢Ÿ¸°¸¸, Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (Ÿ¸š¡¸) ªú ’ú ¬¸ºš¸¸ˆÅ£ ‡¨¸¿ „œ¸¦¬˜¸÷¸ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸—

MD & CEO Shri Melwyn Rego addressing the staff members during his visit to Chennai Zone.

‡›¸¤¸ú ¸ú („î¸£-2) ‚¸Š¸Ÿ¸›¸ œ¸£ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú („î¸£-2) ªú ˆ½Å ‡¥¸ ©¸Ÿ¸¸Ä ÷¸˜¸¸ ¬’¸ûÅ ¬¸™¬¡¸¸Ê ˆ½Å ¬¸¸˜¸ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½—

MD & CEO Shri Melwyn Rego addressing the staff members during his visit to Pune Zone. GM NBG (W-2) Shri R S Chouhan and ZM Shri Prasad Joshi sitting on the dais & Staff Members.

‡›¸¤¸ú ¸ú (œ¸¢ä¸Ÿ¸-—) ‚¸Š¸Ÿ¸›¸ œ¸£ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ªú ƒ¿ÍŸ¸›¸ú Ÿ¸¢¥¸ˆÅ— ¬¸¸˜¸ Ÿ¸Ê ‚¸¿.œÏ. Ÿ¸º¿¤¸ƒÄ „î¸£ ‚¿ ¸¥¸ ªú ¢¥¸¿Š¸£¸ ¸ ¢¤¸¬¸¸½ƒÄ—

ED Shri R A Sankara Narayanan addressing during select customer meet in presence of GM (NBG-C) Shri T Sudhakar, ZM Shri R K Mitra & DGM (LCB) Shri U K Shrivastava at Ahmedabad Zone.

Annual Training Programme for Security Officers/Disaster Managers was conducted at IIBM, Guwahati. RBI Governor, Dr. Raghuram Rajan visited IIBM and interacted with participants. The then DGM (Security) Capt. L K Singh, AGM (Security) Capt. Rakesh Patney and other participants with the Governor.

Taarangan

December 2015

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efomebyej 2015

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Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ‡›¸¤¸ú ¸ú ( ¸¸.‡¨¸¿ Ž.), £¸¿ ¸ú

¸¥¸÷¸½ - ¸¥¸÷¸½

Courtesy Meeting with our Valued Customer of Juhu Branch & Legendary Actor

Shri Amitabh Bachchan at Mumbai

Shri Amitabh Bachchan with MD and CEO Shri Melwyn Rego, EDs Shri R P Marathe, Shri R A Sankara Narayanan along with their spouse, GM NBG(W-1) Shri Indermani Malik, CM Juhu Branch Shri Pramod Kumar, AGM Shri John Kerketta.

HELPING HAND TO FLOOD AFFECTED TAMILNADU

ED Shri R A Sankara Narayanan giving away the Cheque to the Hon’ble Chief Minister of Tamil Nadu Ms. J Jayalalitha along with GM NBG(S) Shri Kul Bhushan Jain, ZM Chennai Zone Shri K Raghuraman.

Our Bank has always stood to the occasion when it comes to extending helping hand. Tamilnadu witnessed one of the devastating flood in its history. At this crucial juncture, Bank shares the grief of the people affected by the flood and extend its help of ` 1 Crore to the TAMIL NADU CHIEF MINISTER’S FLOOD RELIEF FUND.

Elevation / Retirement

Welcome New General Managers

Kuruppath Ravindran Nair

Shyam Sundar Banik

Arvind Kumar Sahu

Ramesh Chand Thakur

Suriender Kumar Aggarwal

Amitabh Rastogi

We wish them success in their future assignments.

Retired General Manager NARENDRA KUMAR MARWAH

We wish him a very happy and contended retired life... 10

leejebieCe

efomebyej 2015

‚¿÷¸££¸«’ïú¡¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Â international activities

ž¸¸£÷¸ú¡¸ „ ¸¸¡¸ºÆ÷¸ ˆ½Å›¡¸¸ ˆ½Å ¬¸¸¾ ¸›¡¸ ¬¸½ œÏ¨¸¸¬¸ú ž¸¸£÷¸ú¡¸ ¢™¨¸¬¸ ‡¨¸¿ ¢¨¸©¨¸ ¢í¿™ú ¢™¨¸¬¸ ˆÅ¸ ‚¸¡¸¸½ ¸›¸ ž¸¸£÷¸ú¡¸ „ ¸¸¡¸ºÆ÷¸ ›¸½£¸½¤¸ú ›¸½ ‡ˆÅ ‚¥¸Š¸ ˆÅ¸¡¸Ä ˆÅ£÷¸½ íº‡ œÏ¨¸¸¬¸ú ž¸¸£÷¸ú¡¸ ¢™¨¸¬¸ ‡¨¸¿ ¢¨¸©¨¸ ¢í¿™ú ¢™¨¸¬¸ ˆÅ¸ ¬¸¿¡¸ºÆ÷¸ ‚¸¡¸¸½ ¸›¸ ¢ˆÅ¡¸¸— ƒ¬¸ ‚¸¡¸¸½ ¸›¸ Ÿ¸½¿ ž¸¸£÷¸ú¡¸ „ ¸¸¡¸ºÆ÷¸ ªúŸ¸÷¸ú ¬¸º¢ ¸°¸¸ ™º£ƒÄ ›¸½ ˆ½Å›¡¸¸ Ÿ¸Ê £í £í½ ž¸¸£÷¸ú¡¸¸Ê ˆÅú ‚Š¸º¨¸¸ƒÄ ˆÅú— ƒ¬¸ ‚¨¸¬¸£ œ¸£ ˆ½Å›¡¸¸ ˆ½Å ›¡¸¸¡¸š¸ú©¸¸Ê ‡¨¸¿ ™¿”¸¢š¸ˆÅ¸¢£¡¸¸Ê ˆ½Å ¨¸½¢’¿Š¸ ¤¸¸½”Ä ˆ½Å ‚š¡¸®¸ ªú ©¸£™ £¸¨¸, ¢í¿™º ˆÅ¸¿¢¬¸¥¸ ‚¸ÁûÅ ˆ½Å›¡¸¸ ˆ½Å ‚š¡¸®¸ ªú ›¸ú¢÷¸›¸ Ÿ¸¸¥¸”½, ¤¸ÿˆÅ ˆ½Å Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ‡¨¸¿ ˆ½Å›¡¸¸ ˆ½Å ¬¸úƒÄ‚¸½ ªú ‚±¸½¡¸ ˆºÅŸ¸¸£ ‚¸ ¸¸™ ‡¨¸¿ ¤¸ÿˆÅ ‚¸ÁûÅ ¤¸£¸½”¸ ˆ½Å ‡Ÿ¸”ú ªú ¡¸÷¸ú©¸ ¢÷¸¨¸¸£ú Ÿ¸º‰¡¸ ³Åœ¸ ¬¸½ „œ¸¦¬˜¸÷¸ ˜¸½—

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ž¸¸£÷¸ú¡¸ „ ¸¸¡¸ºÆ÷¸ ªúŸ¸÷¸ú ¬¸º¢ ¸°¸¸ ™º£ƒÄ ‡¨¸¿ „›¸ˆ½Å œ¸¢÷¸ ªú ‚¸£ ¬¨¸¸Ÿ¸ú›¸¸˜¸›¸ ˆ½Å ¬¸¸˜¸ ˆ½Åœ¸ú ƒ¨¸Ê’¬¸ ˆÅú ¢›¸™½©¸ˆÅ ªúŸ¸÷¸ú ˆÅ¸¿÷¸¸¤¸½›¸ ¢œ¸¿”¸½¢£¡¸¸—

ED Shri B P Sharma visited Singapore Branch. CM Ms. C Santhi welcoming ED in the presence of CE & GM Shri C G Chaitanya & AGM Dr. O P Lal.

Diwali and Laxmi Puja celebration at Glasgow Branch. (LtoR) Mr. Anil Parkash, Mr. Kantilal Kotecha (BM-Officiating), Mr. Dipankar (Officer-IBTO).

Congratulations !

Dinabandhu Mohapatra General Manager has been appointed as the Executive Director of Canara Bank

BOI Parivar Wishes them a very sucessful career ahead....

Anant Upadhyay General Manager has been appointed as CVO of State Bank of Patiala

We wish them success in their new assignments…

Taarangan

December 2015

œ¸º£¬ˆÅ¸£ Awards

Bank conferred with ‘Top Issuer of RuPay Card in Special Category’ at National Payments Excellence Awards 2015

ED Shri R P Marathe receiving the award along with DGM ADC Shri S K Aggarwal. (LtoR) Jury Member, Director IDRBT Dr. Ram Shastri, CEO (IBA) Shri M V Tanksale, General Manager (IT) BOI Shri A K Bhalla, ED Shri R P Marathe, Deputy Governor (RBI) Shri R Gandhi, DGM (ADC) Shri S K Aggarwal, Chairman (NPCI) Shri Balachandran and MD & CEO (NPCI) Shri A P Hota.

Bank adjudged Runners up in CIMSME - Banking Excellence Awards – 2015 Bank adjudged Runners up in CIMSME - Banking Excellence Awards – 2015 amongst Large Banks for “Financial Inclusion-2015” and “PM Jan Dhan Yojana - 2015”. The award is given by Chamber of Indian Micro Small & Medium Enterprises (CIMSME)

MD & CEO Shri Melwyn Rego along with GM (Financial Inclusion) Shri S Palanivel, CM Shri Anil K Verma & Sr. Manager Shri Sunil Shelke at Head Office.

MD & CEO Shri Melwyn Rego along with GM (Financial Inclusion) Shri S Palanivel, CM Shri Anil K Verma and Sr. Manager Shri Shyamal Bose at Head Office.

›¸ƒÄ ¢™¥¥¸ú ‚¿ ¸¥¸ ˆÅ¸½ `Skoch Order of Merit' œ¸º£¬ˆÅ¸£

Bank conferred with NSDL Award 2015

›¸ƒÄ ¢™¥¥¸ú ‚¿ ¸¥¸ ˆÅ¸½ œÏ™î¸ `Skoch Order of Merit' œ¸º£¬ˆÅ¸£ ¬ˆÅ¸Á ¸ ˆ½Å ¬¸úƒÄ‚¸½ ¬¸½ œÏ¸œ÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ., ›¸ƒÄ ¢™¥¥¸ú ‚¿ ¸¥¸ ªú Š¸º¥¸™úœ¸ ž¸¸¢’¡¸¸— ¡¸í œ¸º£¬ˆÅ¸£ ¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©¸›¸ ˆ½Å ®¸½°¸ Ÿ¸Ê `India Best-2015 in Smart Technology' ¬¸½ ¬¸¿¤¸¿¢š¸÷¸ í¾—

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efomebyej 2015

National Securities Depository Limited (NSDL) has awarded our bank with Star Performer Awards 2015 for opening New Accounts. ZM Shri Ravi Gupta with MD & CEO Shri Melwyn Rego at HO.

Bank conferred with Iwp (Inspiring Work Places 2015) ‘Best HR Technology Award’ by Banking Frontiers at Mumbai

General Manager (RMD) Shri B V Upadhye receiving the award along with HRMS Team from Shri Anil Khandelwal, Ex-CMD BOB & Shri Allen C A Pereira, Ex-CMD Bank of Maharashtra along with HRM Team at Mumbai.

‘Taarangan’ & ‘BOI Guiding Star’ conferred with ‘Prsi National Award 2015’

Managing Director & CEO Shri Melywn Rego with the Award along with Chief General Manager (HR) Shri R N Kar, Assistant General Manager (HR) Shri Ramesh Kumar & Editor Shri Sartaj Mohd. Shakeel at Head Office.

General Manager, National Banking Group (Central) Shri T Sudhakar & Editor Shri Sartaj Mohd Shakeel receiving the award at the hands of Shri R S Sodhi, MD-AMUL INDIA & President Public Relations Society of India Shri Ajit Pathak at Ahmedabad.

Bank of India awarded “First Prize” for highest number of Credit Linkage in SHGs in Jharkhand State

GM NBG (J&C) Shri M K Gupta receiving award at the hands of Development Commissioner, Jharkhand Shri R S Poddar in the presence of Chief General Manager (HR) Shri R N Kar and Secretary, Department of Rural Development Shri N N Sinha.

Taarangan

December 2015

banking plus

UALITATIVE ASPECTS OF CREDIT APPRAISAL OF MSMEs I

ndian Banks are increasing their interest in MSME financing in recent times. This renewed interest for MSME financing can be attributed to various reasons ranging from their low percentage of NPAs to fetching higher returns as compared to big ticket advances. The wide spread of number of borrowers from large spectrum of locations and different activities distributes the credit risk. The recent push to direct lending with the introduction of concept of MAKE IN INDIA and MUDRA loans is also a motivating factor. But certain facts need to be discussed before venturing into this area. The NPAs of Banks have increased to alarming level in the recent decade so much so that the very survival of banking industry in general and some banks in particular are at stake. The debate for ascertaining the reasons for this epidemic and exploring measures for its prevention is taking prominence at all levels. The

various reasons ranging from global recession to policy paralysis of the recent past are attributed for this alarming increase in NPAs. It is also acknowledged that MSME Advances have performed better as compared to large corporates. It does not mean that they are insulated from the overall deterioration of assets of Banks but their vulnerability for slippages was less. But there is one dark side also to this story. Most of the Bankers believe that proper credit appraisal mechanism for MSMEs is not well developed in Banks as compared to that of big ticket advances. The argument is that lot of data and tools are available for large corporates which is not the case with MSMEs hence MSME appraisal requires a specific approach. Even though of late certain tools and mechanisms have been developed for

The NPAs of Banks have increased to alarming level in the recent decade so much so that the very survival of banking industry in general and some banks in particular are at stake. The debate for ascertaining the reasons for this epidemic and exploring measures for its prevention is taking prominence at all levels. The various reasons ranging from global recession to policy paralysis of the recent past are attributed for this alarming increase in NPAs. It is also acknowledged that MSME Advances have performed better as compared to large corporates. It does not mean that they are insulated from the overall deterioration of assets of Banks but their vulnerability for slippages was less. 14

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efomebyej 2015

MSME credit appraisal, they are still in the developing stage. This underlines the need to develop distinct mechanism for credit appraisal of MSMEs. The qualitative aspects of credit appraisal of SMEs can be broadly classified as under1. Proponentâ&#x20AC;&#x2122;s Appraisal Most of the MSME applicants are individuals either in the form of Proprietorship or Partnership. They are either close relatives or family friends. The trend of forming private limited companies is also gaining momentum but shareholders/directors have the similar composition. Appraising individuals is an art as adequate data is seldom available. The best method is to interview proponents at their residence and place of work. The discreet enquires should be made with friends, relatives and neighbors. One must not lose sight of the basic objective of this exercise and that is collection of maximum information about proponents. Needless to add that this is to be done in a manner so that they are not offended and for success of this a friendlier atmosphere is to be created. Freshers may argue that the exercise may be a sheer wastage of

time and will not serve any purpose. But the experience shows that the exercise is very important from the Lenders perspective as we deal with human beings and not with brick and mortar. The papers eg Project Report etc can be manipulated but it is very difficult to manipulate human nature. However a thorough home work is essential before proceeding for this exercise and here lies the importance of properly filled in application form. The standardized application forms are simple but provide very basic data for appraisal. Sometimes applicants keep certain columns blank citing that either those are not relevant or too complicated. But appraiser must insist on completion of application form or otherwise should be satisfied about the genuine omissions. The interview and inspection forms are now standardized and effort should be made to complete those. In addition to standardized formats the interviewer should ask probing questions so that information provided in the application form is cross checked. The interview is a great tool to establish a mutual trust between banker and applicant. This relationship goes a long way and success lies in applicant treating banker as friend, philosopher and guide. As a banker we have got a rich collection of “DOs” and “DON’Ts” for new entrepreneurs. It helps the applicant to make realistic planning and projections. But the great advantage is to the Banker as it helps in falling into trap of over or under financing and prescribing correct product. Thus it is a win-win situation for both.

2. Management Appraisal It is a very crucial for SMEs. In simple words, it means whether applicant has managerial capacity to manage the activity in which he is venturing into. Unfortunately Bankers and new entrepreneurs apply extreme approach in this area. They tend to believe that there is no need of any managerial capability to manage business of such a small scale and yardsticks are required to manage large scale business only. Banker needs to be very clear in this matter. a) Managerial Aptitude of the proponent to manage the proposed activity should be assessed. It is general observation that some people are best as solo performers but when it comes to manage a team they fail miserably. I am tempted to cite a very common example. Every best cook does not necessarily become a successful catering contractor or restaurateur. It is also not uncommon that merit engineering scholars miserably fail as industrialists. b) The adequate and reasonable knowledge level of the proponent about the proposed activity. Often the scale of operations requires certain expertise and it is not feasible for SMEs to engage full time managerial staff for this purpose. In such cases availability and affordability of suitable staff within the vicinity of the enterprise should be ascertained. 3. Commercial Appraisal This appraisal involves appraising the process of business and its model. The entrepreneur may be a manufacture, seller or provider of services. The selling may be wholesale or retail. Commercial Appraisal is a study of the nature of the product, demand for the same, the existing and perceived competition, and ability of the proponents to withstand the same, Government policies governing the activity proposed by the borrower etc. The trade practices regarding the proposed activity should be thoroughly examined as they play a key role in running the business. Some illustrations will highlight the issue.

The retailer of medicines normally gets 30 days credit whereas the stocks are sold in cash. Most of the big hospitals have in-house shops hence running a Medical Shop without a tie-up arrangement with some hospital/doctor will be a challenging task. Petrol pumps have to buy fuel from Oil Marketing Companies on advance cash basis and their sales are also on cash basis. The departmental stores get their inventories at very competitive prices and on credit on their own terms due to their inherent strengths of bulk buying and sell them on cash and carry basis whereas grocery shops have to sell the goods on credits depending upon income cycle of their customers and their bargaining capacity with suppliers is also very limited but their personal relationship with their customers is based on mutual trust. The commercial appraisal is of paramount importance in case of manufacturing units. In this era of Liberalization Privatization and Globalization (LPG) manufacturing has taken a back seat and marketing of the produce is the real factor determining the success or failure of the unit. It is not uncommon that many technologically competent manufacturers who had obtained their degrees from very reputed Institutes with high laurels have failed only because of lack of this study. Most of the times it becomes quite embarrassing for Bankers to ask about the marketing plan of the product when the entrepreneur is overenthusiastic in explaining his manufacturing skills. But proper appraisal needs to be done about this aspect because marketing at the

Taarangan

December 2015

remunerative price will only keep the unit as going concern. Here the present and future demand for the product, existing and perceived competition and plan of the entrepreneurs to face them must be discussed. He must plan to sell the product with an adequate profit for a reasonable period to make the unit economically viable. It should not be construed from above discussion that new innovative ideas are not to be encouraged but it underlines the need of mitigating the unforeseen risk factors. It may look strange for novice banker to look into above mentioned aspects

while doing commercial appraisal but any seasoned banker will vouch for it as it directly affects the economic viability of the project. 4. Technical Appraisal Technical appraisal of every manufacturing project needs to be carried out. If the activity does not require any sophisticated knowhow and credit apprising officer has a reasonable knowledge of the activity, it must be carried out by the apprising officer. However if the credit apprising officer believes that such appraisal needs specialised knowledge or it is specifically

However following measures are suggested for Credit Risk Appraisal. a) Proper and objective assessment of projections made by the proponent as the credit facilities are sanctioned on the basis of these projections. b) Meaningful inspection/verification of securities. c) Adhering to prescribed margin norms. Margin is not only a financial tool but it ensures the involvement of the proponent in the business. Generally 20-25% of the total project cost is prescribed as margin. It is important to study the source of margin and capacity of the proponent to maintain it during tenure of the loan. This will also prevent the chances of diversion of funds from the business for unintended purposes and ensure availability of security value with margin in case of any eventuality. d) All advances must be secured by tangible primary security unless the advance is sanctioned as Clean. The security acquired by bank finance and charged to Bank is called as primary security. e) In case of MSME collateral security is not to be obtained up to a certain limit, even if offered by the proponent as per prevailing guidelines. This puts the additional responsibility on the banks to study the economic viability of the project, more carefully and with due diligence. However beyond this threshold limit endeavourer should be made to obtain collateral security and third party guarantee of adequate value. Needless to say that no amount of security can make an unviable project a viable one but it provides a cushion in case of account turning bad. All the due diligence is required to be done for collateral security so that in case of need its value can be realized without any hassle. f) Similar to the collateral security norms in case of MSME, third party guarantee is not to be obtained, even if offered by the proponent as per prevailing guidelines. However beyond this threshold limit endeavour should be made to obtain third party guarantee of adequate value. Banker must do the due diligence of the guarantor as if he is a borrower and his worth, income and integrity should be ascertained properly. It will also not be out of place to get satisfied about his dealings with the banks and status in the society. His other obligation as guarantor/borrower also needs to be scrutinized.

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prescribed in credit policy such appraisal may be carried out in-house by officers having the technical expertise for the same or by an outside agency as determined by the sanctioning authority. Every Bank has its own prescribed Techno Economic Viability (TEV) Study Policy. The TEV Study Policy generally prescribes that TEV Study should be conducted for projects involving production or manufacturing of goods or articles mentioned in First Schedule of Industries (Development & Regulation) Act 1951 and/or in respect of activity/ occupation classified by RBI under divisions 15 to 37. Each Bank prescribes the cut-off limit beyond which TEV Study is to be conducted. It also provides for exemptions from fresh TEV Study in certain categories of activities/ proposals/groups. 5. Risk Appraisal No credit business is hundred percent risk free and banking is not an exception to it because Risk and Reward go hand in hand. If there is no risk there is no reward. Risk cannot be eliminated totally but it can be mitigated with proper Risk Appraisal. The process of Risk Appraisal identifies the potential risks in a credit proposal so that those can be mitigated. Banks do learn from past experience and study of trends that economy may follow in future. In our country RBI issues guidelines for credit risk management from time to time but these mainly pertains to large advances. As discussed earlier very little literature is available on Risk Management of MSMEs. Most of the risks in credit can be identified and mitigated if credit appraisal process is followed in letter and spirit.

Sudhakar Atre

Ex-Staff Nagpur sudhakaratre@yahoo.co.in

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Taarangan

December 2015

FESTIVAL

Thaipusam @ Singapore

The festival is celebrated in honour of Lord Subramaniam (also known as Lord Murugan), who represents virtue, youth and power, and is the destroyer of evil.

on the full moon in either in January or February. Thaipusam is a thanksgiving festival that involves asceticism and control over one’s senses. It is a day for devotees to celebrate the fulfilment of their vows. In Singapore, this religious festival attracts thousands of Hindu devotees who on the first day participate in Chariot Procession and on the next day, fulfil their vows through a 4km walk from the Shri Srinivasa Perumal Temple (SSPT) to the Shri Thendayuthapani Temple (STT).

Dr. Om Prakash Lal

The Legend

This painful act originates from a tale about the Hindu God, Subramaniyan. According to legend, demons cursed and tormented celestial spirits into submission, forcing them to beg the Lord Shiva, Subramaniyan’s father, for help. Touched by their pleas, he commanded his son to intervene and aid in the struggle for good versus evil. Subramaniyan, wielding a giant spear, conquered the aggressors and restored peace in the world. Future worshipers commemorated this result with statues of their victorious God in gold while holding the giant weapon. As a sign of penance, many on Thaipusam inflict pain through the selfmortification process of bodily piercings and other activities.

Asst General Manager Singapore Branch

nchored by a large, colourful annual procession, Thaipusam sees Hindu devotees in Singapore seeking blessings, fulfilling vows and offering thanks. On this day, the devout practice may shock or even disturb outside viewers. They pierce their bodies with skewers and rods. The festival is celebrated in honour of Lord Subramaniam (also known as Lord Murugan), who represents virtue, youth and power, and is the destroyer of evil. The name : Thaipusam The word Thaipusam is a combination of the name of the month, Thai, and the name of a star, Pusam. This particular star is at its highest point during the festival. Thaipusam is celebrated on the full moon day in the Tamil month of “Thai”. As per English calendar it falls

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Preparing for the ritual It is believed that only when the mind is free of material worth and the body free from physical pleasures can a devotee undertake the sacred task without feeling any pain. Devotees begin preparation for the event 48 days before the festival. Kavadi bearers only eat Satvik food, once a day and practise celebacy. Satvik food is considered to be the most pure of its kind. It must be uncontaminated and must not be capable of spreading evil or diseases in the world. An example of Satvik food is the milk of a cow, which is healthy and grown in pure surroundings. The calf of the cow must also be fed well. If the cow is ill treated, the milk obtained will no longer be considered as pure. In addition, cows are considered to be sacred in Hinduism.

Indeed, for devotees, Thaipusam is often the climax of an entire month spent in spiritual preparation with a strict vegetarian diet. Mind over matter ‘Kavadi’ literally means ‘sacrifice at every step’ in Tamil, and indeed, this proves to be the case if you take a closer look. A semi-circular steel or wooden frame, a ‘kavadi’ is meant to be hoisted by a devotee for the length of the procession. It has bars for support on the shoulders, is decorated with flowers and peacock feathers, and some have spikes that pierce into the body. It can top out at 40 kilogrammes and reach a height of four metres. A colourful procession Of course, not all who join the Thaipusam procession commit to such extremes – many ‘kavadi’ have no spikes and women often simply carry a pot of milk, an offering which symbolises abundance and fertility to the Hindus. Piercing of the tongue helps Kavadi bearers endure It is common for Kavadi bearers to pierce their tongues with vel skewers. Bearers claim that it gives them great powers of endurance. Having the skewers pierce through their cheek and tongue is to remind them of Lord Murugan (Kartikeya). Legend has it that the spears that pierce through his mouth and cheek prevents him from speaking in exchange for the power of endurance. Thaipusam at Singapore The festival generally lasts for 2 days. On the eve, the chariot procession (with the Lord Subramaniam statue) begins from Shri Srinivasa Perumal Temple at Serangoon Road to Layan Sithi Vinayagar Temple at Keong Siak Road.

A Kavadi bearer passing through Bank of India. Seen in the photo are CE & GM Shri C G Chaitanya, Dy CE Dr. O P Lal and other staff members Team members of Star Sakhi Singapore led by Mrs. Sreedevi Chaitanya

Team members of Star Sakhi Singapore performing seva in the temple.

Other devotees carrying kavadis start their preparation and leave the temple soon after. There is a constant stream of devotees making their way with offerings until 7.00 pm in the evening. 1st Day (Eve Of Thaipusam) The Thaipusam ceremony starts in the early hours of the morning. The first batch of devotees carry milk pots and wooden kavadis. Some pierce their tongues with skewers and carry a wooden kavadi decorated with flowers and peacock feathers balanced on their shoulders. Other devotees carry spiked kavadis that require elaborate preparation.

Thousands of devotees make their way through the prescribed route to the Shri Thendayuthapani Temple. On their arrival at the centre aisle of the main sanctum, they present their milk pots. Milk offered by devotees are collected and poured over the Vel. Devotees who complete their vows will receive sacred ash. This year’s Thaipusam festival in Singapore

At Shri Thendayuthapani Temple The main event of the day before Thaipusam is a chariot procession in which Shri Murugan leaves the Shri Thendayuthapani Temple for a day’s visit to His brother Shri Vinayagar at Layan Sithi Vinayagar Temple (Keong Saik Road). One of the most important places where the chariot makes a stop is at Shri Mariamman Temple (South Bridge Road). Shri Murugan is said to greet the Goddess within, as She is a manifestation of Goddess Parvathi, His mother. The chariot continues to its destination at the Layan Sithi Vinayagar Temple where Shri Murugan is ceremonially carried from the chariot and installed inside the temple.

With the aim of making headway into the minds of local ethnic community, our Singapore Centre made elaborate arrangements at different points for taking part in the festival.

In the evening, the chariot with Shri Murugan returns back to the Thendayuthapani Temple and members of the Chettiar community carry kavadis and this is often referred to as “Chetty Poosam”. 2nd Day (Thaipusam Day) Activities on the second day, start very early in the morning. Prayers are conducted and just after midnight, the first group of devotees carrying milk pot offerings leave for Shri Thendayuthapani Temple.

More than 20,000 Hindu devotees gathered at the Shri Srinivasa Perumal temple on Sunday (Jan 24) to give thanks and seek blessings as part of the annual Thaipusam festival. The procession began in the early hours under a large tent, with devotees conducting prayers and assembling their kavadis before following a four-kilometre trail to the Shri Thendayuthapani Temple on Tank Road.

For the first time in more than 40 years, live music was allowed in the procession. Live music at Thaipusam processions had been banned due to concerns over unruly behaviour in the past, but regulations were relaxed this year with three live music points and seven musictransmission points along the route. This year’s procession also saw other improvements, such as resting and overtaking bays, and a dedicated lane for female and young devotees in Clemenceau Avenue. This enabled them to enter the Tank Road temple faster and not get stuck in a bottleneck behind kavadi-carrying devotees.

Our Bank’s participation

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This year our Bank demonstrated full fledged participation in the festival. For the purpose, tie up was made with the local organisers for making effective arrangements in various temples in distribution of snacks and juice to the devotees. With the aim of making headway into the minds of local ethnic community, our Singapore Centre made elaborate arrangements at different points for taking part in the festival. In front of our Remittance Centre at Serangoon Road, some local staff and all the India-based Banking Officers (IBOs) led by the Chief Executive distributed Snacks, Sweets, Juice and small towels (with Bank’s monogram) to the devotees during the procession. Simultaneously, wives of IBOs led by CE’s spouse offered seva in various temples.

Team members of Star Sakhi Singapore with the certificates given for their voluntary service.

Taarangan

December 2015

ˆÅ¸¨¡¸¸¿ ¸¢¥¸ welfare activity WELFARE ACTIVITY BY STAR SAKHI CHENNAI UNIT Star Sakhi Chennai Unit conducted a fair (sale of handicraft items made by the members of the Star Sakhi, Chennai Unit) at Chennai with an intention to donate the sale proceeds to the orphanage. Fair was inaugurated by our ED Shri R A Sankara Narayanan. Sale proceeds collected during fair was around ` 51,000/. Star Sakhi donated this amount to the orphanage run by the organization ``UDHAVUM VULLANGAL’’.

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efomebyej 2015

‚›¡¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸Â other activitIes

ž¸¸£÷¸ú¡¸ ¢£ ¸¨¸Ä ¤¸ÿˆÅ, ˆ¼Å¢«¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸í¸¢¨¸Ô¸¸¥¸¡¸, œ¸ºµ¸½ ˆÅú 98¨¸ú¿ ¤¸¾“ˆÅ ‡Ÿ¸”ú‚¸ƒÄ ¤¸½¥¸¸œ¸º£ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ íºƒÄ— ¤¸¾“ˆÅ Ÿ¸Ê Ÿ¸º.Ÿ¸.œÏ. ‡¨¸¿ œÏš¸¸›¸¸ ¸¸¡¸Ä ˆ¼Å¢«¸ ¤¸ÿ¢ˆ¿ÅŠ¸ Ÿ¸í¸¢¨¸Ô¸¸¥¸¡¸ ªú œÏŸ¸¸½™ œ¸¿”¸, Ÿ¸.œÏ. œÏˆÅ¸ ªú ‡¬¸ ‚¸£ Ÿ¸úµ¸¸, Ÿ¸º.ˆÅ¸.‚¢š¸ˆÅ¸£ú, ‚¸Á¡¸ˆÅ¸›¸ œÏ¢©¸®¸µ¸ ˆÅ¸¥¸½ ¸ ¬¸ºªú í£›¸ú÷¸ Š¸”, ¬¸.Ÿ¸.œÏ ‡¨¸¿ ¬¸™¬¡¸ ¬¸¢ ¸¨¸ ªú ¢¨¸ˆ½ÅˆÅ Ÿ¸ÿ™Š¸úÄ ‡¨¸¿ „œ¸ Ÿ¸.œÏ. ‡¨¸¿ œÏ¸ ¸¸¡¸Ä ªú ‚©¸¸½ˆÅ ¢Ÿ¸ª¸ ‡¨¸¿ ¬¸¸¨¸Ä ¸¢›¸ˆÅ ®¸½°¸ ˆ½Å ¤¸ÿˆÅ¸Ê/¢¨¸î¸ú¡¸ ¬¸¿¬˜¸¸›¸¸Ê ˆ½Å œÏ¸ ¸¸¡¸¸Ä—

Gramin Bank of Aryavart, HO Lucknow conducted Mega E-literacy workshop for NPCI products for our customers, BCs, FLCCs and select branch staff at our Lucknow and Aligarh centers. Inauguration and release of souvenir by executives of NABARD, Gramin Bank of Aryavart and NPCI.

GM (L&D) Shri R K Sinha welcoming guest faculty Shri Vinod Khurana during two day workshop organized by L&D HO on Forensic Audit and Frauds. 32 participants from HO and Mumbai based zones attended the workshop.

›¸¸Š¸œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ‚ ¸›¸ú ©¸¸‰¸¸ ˆ½Å Ÿ¸»¥¡¸¨¸¸›¸ ŠÏ¸íˆÅ ‡¨¸¿ ¤¸ú¬¸ú¬¸ú‚¸ƒÄ ‚¸¾£ ‚¸ƒÄ¬¸ú‡ ˆ½Å ‚š¡¸®¸ ªú ©¸©¸¸¿ˆÅ Ÿ¸›¸¸½í£ ˆ½Å ¬¸¸˜¸ ž¸Ê’ ˆ½Å ™¸¾£¸›¸ ‚¸¿.œÏ. ªú ¸¿ÍˆÅ¸¿÷¸ œ¸¸½œ¸½£½——

Visakhapatnam Branch AGM Shri B C Chetty, CM Shri S Adinarayana Felicitating Shri G V V Satyanarayana for the achievement.

M/s Coastal Corporation Limited, Visakhapatnam, established in 1981 is a seafood processing and export company. They are banking with us since inception, presently enjoying Credit limits over `115 crores. In recognition of their outstanding performance in exports, the FTAPCCI Excellence Award for `Excellence in Export Performance (Small Scale Industry)' has been awarded to Coastal Corporation Ltd., received by Shri G V V Satyanarayana, Director, Finance, at the hands of Shri M Venkaiah Naidu, Hon’ble Union Minister for Urban Development.

Kishore Andharia, Neelambaug Branch, Bhavnagar (Gujarat) is also a renowned Gujarati Author. Recently, he has been awarded with JYOTINDRA DAVE GOLD MEDAL by Narmad Sahitya Sabha, Surat for his fifth book ‘Vachak Kyay Nathi Granthalayma’. Mr Andharia received this award from well know author Shri Ratilal Borisagar at Ahmedabad. CONGRATULATIONS!

Taarangan

December 2015

¬¸÷¸ˆÄÅ÷¸¸ ¸¸Š¸³ÅˆÅ÷¸¸ ¬¸œ÷¸¸í Vigilance Awareness Week

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efomebyej 2015

Vigilance Awareness Week- Highlights Vigilance Awareness Week was organized in Bank with full fervor from 26.10.2015 to 31.10.2015 with theme of “Preventive Vigilance as a tool of good governance”. The Vigilance Department organized various activities viz. On-line Quiz, Essay writing Competition, “2 minutes talk” Competition etc. on preventive vigilance and winners were awarded prizes. Similarly at NBG and ZO levels, debates/lectures/essay writing competitions on moral values, ethics and good governance were organized and in branches, PVCs meetings and at Zonal Offices meetings of Task Force on frauds were organized. Pledge was also administered at Bank’s overseas centers. A SPECIAL JOURNAL was released at the hands of MD & CEO Shri Melwyn Rego who in his valedictory speech emphasized the importance of vigilance mechanism in the Bank. “Vigilance Awareness Walk” on Parliament Street from PTI Building to Patel Chowk Metro Station was organized by New Delhi Vigilance Unit. In addition, Bank organized outreach activities like, essay writing, elocution, debate, quiz, guest lectures, slogans writing / posters, painting and skit / drama competitions on topics related to anti-corruption, preventive vigilance etc. in 53 schools and colleges in 32 cities and winners were awarded prizes.

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Taarangan

December 2015

banking plus

Audit -

An Operational Perspective A

udit can generally be said to be an unbiased objective and transparent examination and evaluation of the functioning of an organization, which can be conducted internally (by employees of the organization) or externally (by an outside organization) with a view to provide meaningful information to the various stakeholders and public at large. Audit covers vast ambit of activities and can broadly be termed as social, administrative, regulatory, compliance, tax, management, quality, process, system, electrical, safety, risk, environmental, performance, revenue and financial audit, to name a few. Most commonly audit is recognised with economic and financial scrutiny of commercial organisations. Banks, being the financial institutions and circulatory system of the economies, are subjected to more frequent, stringent and vigorous audit systems. Branches are the operational hubs of the banking system; therefore the audit of these branches is of paramount importance. The bank audits cover not only the financial parameters but also ambience, delivery and service parameters too. In this context, I have visualised an operational perspective of Bank audit as: A - Always U - UnderstandD - Diligently and Directly I - Important T - Transactions

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efomebyej 2015

These important transactions will be 10% in number covering about 70% to 75% of the business and their analysis will provide the pulse of the Branch functioning. Our Bank has devised various systems and procedures for effective monitoring of the Branch functioning – some of which are system driven whereas others are manual. The branch managers are empowered with both the system support and physical supervision as the monitoring tools for the branch performance. Audit reflects on the prevailing business, service, control and regulatory aspects of the branch, therefore audit reports have rightly been termed as the “mirror of the branch”. The audit encompasses the entire gamut of branch functioning covering ambience, efficiency of branch operations, customer service, effective control and supervision along with robust business development. All these facets of branch operations have their important roles to play in the overall development of ethically sound business in a consistent manner. Therefore audit, to be effective, should be part of regular operational routine and can be mapped on the different time horizons from daily to annual with following types of audit from operational perspective: I - Interactive Audit II - Participative Audit III - Supervisory Audit IV - Control and Management Audit

I-Interactive Audit Interactive Audit is basically for gauging the efficiency of branch operations from customers’ point of view by walking with and talking to the customers visiting the branch. This can also be termed as management by walking because audit is integral part of management. It covers not only the delivery of the services but also the infrastructure, ambience, technology and front line staff, which are the enabling factors for providing efficient customer service and for creating congenial atmosphere for sound business development. The hassle free smooth branch operations provide delighting experience to the customers. In the present technology oriented era, efforts must be made to provide receptive and soothing ambience by periodical disposal of old records, unserviceable furniture and fixture, and regular cleaning and servicing of various installations and systems for their efficient and effective utilisation. This will not only increase the aesthetic value of the ambience but also release more space for the customers. Daily three to four rounds of 15 to 20 minutes by the branch heads or second in command, during business hours, will serve the purpose, if done with proactive approach. This will provide the host of information for improving the functioning and business of the branch without any investment of additional resources just by lending the ears attentively and proactively

The purpose of audit is not to crush creativity or innovation but to promote and manage them within the permissible deviations of the broader regulatory and policy framework. to the customers. Customers are the most important and frequent visiting unofficial branch auditors, who are very important in building the image of the Bank. II-Participative Audit The enabling infrastructure with proactive front line staff provides the foundation for efficient customer service coupled with business development. The customer service involves efficient product profiling, proactive marketing by the front line staff and efficient delivery matching with the changing and diversified expectations of the different customer and / or target segments. The efficient customer service not only means the efficient and effective delivery of services but also proactive anticipation of emerging needs of the existing and emerging customer segments, which can be gauged from the regular interaction with different stakeholders. The various channels of participative audit, i.e. staff meetings, customer meetings, customer service committee meetings etc, provide the formal forum for efficient handling of these issues. The need of the hour is the effective harnessing of these channels for better customer service, which must be made part of integral branch operations on periodic intervals. The participative audit instils the feeling of being a worthy employee among the staff and of being an important and cared customer among the clients. Thus participative audit takes care of the internal as well as external customers in an efficient and proactive manner. III- Supervisory Audit The interactive and participative audits provide the blueprint for efficient and effective delivery of services and sound business growth, which has to be reinforced by supervisory audit. The basic tenant of supervisory audit is to ensure that the delivery of the services is in conformity with the established procedures, guidelines and the regulations in force so that the deviations and aberrations beyond the permissible limits are checked in time with

initiation and implementation of corrective measures. The various tools of supervisory audit include: (a) Generation and scanning of end of day reports on daily basis to see the business performance (b) Analyse the exceptions, deviations and aberrations of abnormal and investigative nature. (c) Check the Audit Trail Report on daily basis. (d) Generate and scan important periodical reports. (e) Conduct surprise test check of important activities. The primary purpose of undertaking these activities is to know about the deficiencies in our routine operations so that suitable remedial action can be initiated for improving the overall functioning of the Branch in line with the prevailing operational and legal framework. IV-Control and Management Audit The above three types of audit are being done mainly by the functionaries of the branch themselves or occasionally by The participative audit instils the feeling of being a worthy employee among the staff and of being an important and cared customer among the clients. Thus participative audit takes care of the internal as well as external customers in an efficient and proactive manner.

controlling offices, whereas control and management audits are being done mostly by the audit department of the Bank or by external auditors including RBI and CAG to ascertain the levels of compliances on various parameters and financial health of the Bank on various parameters. These audits serve as an important tool of Management Information System to the Top Management, Regulators and the Government for their policy formulations. These audits also provide the objective and independent information to external stake

holders such as customers and investors so that they can take informed decisions. These audits are undertaken to ensure fairness in the operations and putting up the required information in public domain in an unbiased, transparent and objective manner as per the accounting and regulatory guidelines. Banks, being custodians of public money and circulatory system of the economy, are subject to frequent and vigorous control and management audit for proper assessment of their financial health. Conclusion In nutshell the role of audit should be three pronged: (a) Evaluate the actual performance in relation to the expected or budgeted level not only in business but also on service parameters. (b) Assess the level of regulatory and policy compliance. (c) Provide early warning signals for course correction for existing bottlenecks, and anticipation of emerging and latent areas for future growth. Thus, the purpose of audit is not to crush creativity or innovation but to promote and manage them within the permissible deviations of the broader regulatory and policy framework. Therefore, the golden rule to manage the audit is to develop the organizational culture of self regulated audit, which implies working in a time bound manner with efficiency, objectivity and transparency in good faith without negligence, which will go a long way in improving the compliance culture at the operational and supervisory levels.

S B Singh

Dy. Zonal Manager Raigad Zone

Taarangan

December 2015

‡›¸¤¸ú ¸ú (Ÿ¸š¡¸) ›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í („î¸£-1) / National Banking Group (north-1)

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NBG (North-1) GM Shri Dinesh Garg with Shri Sunil Shastri s/o Late Shri Lal Bahadur Shastri (Former Prime Minister of India) during his visit to NBG. Shri Sunil Shastri is ex-Staff Officer of Bank of India and one of the esteemed customer of our Connaught Circus Branch.

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NBG (North-1) GM Shri Dinesh Garg & IRAS, Joint Development Commissioner (MSME) Shri Sanjay Bisariya on the occasion of signing of MOU with Ministry of MSME, GOI to work as Implementing Agency under TEQUP (Technology and Quality Up gradation) scheme.

Blue Mormon Maharashtra’s ‘State Butterfly’ Maharashtra government declared the Blue Mormon ( Papilio polymnestor) as the state butterfly during a meeting of the state Wildlife Board in Mumbai on June 22, 2015, making Maharashtra the first state in India to have a’ State Butterfly’

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New Delhi Zone, Kamla Nagar Branch CM Shri R K Mahaseth along with staff handing over keys of Three Wheeler financed under Mudra Kishore Scheme to a differently abled borrower.

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efomebyej 2015

The Blue Mormon is a big swallow tail butterfly, generally found in Sri Lanka and India. But the Western Ghats of Maharashtra, South India and coastal belts are its primary natural habitats. It may occasionally be spotted in the Maharashtra mainland between Vidarbha and Western Maharashtra. Blue Mormon is the second largest butterfly found in Indian soil after the ‘ Southern Birdwing’. The Blue Mormon can easily be recognized with its exquisite velvet like black wing along with bright blue spots. The decision of declaring ‘Blue Mormon’ as a state butterfly is aimed at promoting its conservation and spreading awareness of this unique natural feature of the Maharashtra Western Ghats among people. Aurobindo Bhowmick Ex Chairman RRB Odisha, and Retd AGM.

›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í („î¸£-2) / National Banking Group (north-2)

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Taarangan

December 2015

knowlEdge plus

WHY THERE IS A NEED FOR A REVERSE MORTGAGE LOAN? REVERSE MORTGAGE LOAN SCHEME IN BANKS FOR SENIOR CITIZENS!

ocial structure has massively changed. Majority of the present day younger generations get detached from the parents as soon as getting their extra wings, extra money power and extraordinary living style. Lots of hesitations prevail to ask money from them? Despite owning a house property, the senior citizens suffer from financial crisis due to various reasons. They need working capital for their daily needs especially for food, medical expenses, social commitments, educating other children etc. Most of them even prefer an old age home instead of a deserted living in seclusion. If at all they have to fulfill their financial needs, either they should sell their property and go to live elsewhere or to mobilize money by pledging the property document with money lenders at exorbitant interest. They lack care and moral support. Now there is an opportunity to generate funds and live peacefully. Against this brief backdrop, the reverse mortgage loan scheme was formulated. Though it is gaining popularity now, originally the scheme was born in 1961 in Portland. WHAT THE SCHEME SAYS? Here comes the Reverse Mortgage Loan Scheme to the rescue of the distressed senior citizens from financial crunch. Reverse mortgage loan is an attractive

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efomebyej 2015

loan scheme for such senior citizens over 60 years of age to get one time or regular income against equitable mortgage of their self occupied /self owned residential property in India, either in their own name or jointly with spouse. Married couples will be eligible as joint borrowers but at least one of them should be above 60 years of age and the spouse not below 55 years. There is no monthly income or gross income criteria for availing this loan. The property should be used as the permanent primary residence where the senior citizen spend majority of the time, the address of the said property is being used for correspondence, utility bills, bank statements, tax returns, banking relationships etc. Further, the borrower should provide details of legal heirs at the time of availing loan.

Why the name reverse mortgage? In the normal bank term loan, instalment is paid by the borrower to the credit of their loan account. But under this scheme, a regular sum, say on monthly basis, will be paid by the banks from the term loan account to the borrower periodically. Hence, it is called a reverse mortgage loan. The loan so availed need not be repaid like any other bank loan but to be repaid only when the owner dies or sells the said house or moves out of the house. The scheme has been formulated based on the guidelines on reverse mortgage loan by the national housing bank. Does it not look attractive, senior citizens? Let us see more. PROPERTY Here some understanding is required about the nature of property. Loan against

Table 1

Age of sole applicant/ younger in the case of joint applicants 60-65 yrs 66-70 yrs 71-75 yrs 76 to 80 yrs

Table 2

Ratio of loan to Value of property (LTV) Joint Borrowers 45 50 55 60

house constructed on leasehold land of government authorities is also considered. Generally, the property will be old and hence the residual life of the property should be 1.5 times of the repayment period minimum 20 years. The other essential things required are approved plan, approval for construction, market value given by panel valuers that required for any other bank loans against an immovable property. Insurance coverage should be obtained by the borrowers for the building for minimum 10 years. QUANTUM OF LOAN For the self dependence and self sufficiency substantial quantum is granted as loan. Based on the age of the borrower, valuation of the property by the bank’s approved valuer and starting interest rate, a Term Loan starting from `2 lacs up to 25 lacs shall be considered. For sake of clarity a chart as per Table 1 above. Generally, the margin will be 35% to 55% as shown above. RATE OF INTEREST The ROI is much lower when compared to commercial loans. With the Base Rate at 9.70%, the ROI is likely to be affordable. ROI shall be applied at monthly rests for the loan tenure with reset clause every 5 years period. LOAN PERIOD Liberalized loan period indeed! The loan period shall be maintained up to the borrower’s age of 80 years. However, a maximum period of 15 yrs of Term Loan period is allowed up to completed age up to 65 yrs. Where the completed age is above 65 years, the loan period shall be of maximum

Single Borrower 50 55 60 65

Ltv

50% 55% 60% 65%

Entry Age

Monthly Payment For 5 Yrs Loan

Monthly Payment For 10 Yrs Loan

Monthly Payment For 15 Yrs Loan

61 66 71 76

1208 1329 1450 1571

422 464 507

191 210

10 years in any case not to be beyond the borrower’s age of 80 years. MODE OF DISBURSEMENT Hassle free mode of disbursements. Disbursement in the loan shall be generally at lump sum - to the extent of 50% of loan but subject to a maximum of `12.50 lacs or such other amount as may be notified by Government of India. The lump sum amount is to be used for medical treatment for self, spouse, dependants. But the loan should not be used for speculative, trading or business purpose. Lump sum will be given for genuine requirements only. Balance amount will be eligible for period payments. Amount disbursed will be discounted value of the loan amount as on date. Bank will make periodical payments to the borrower from the loan account, during loan period or till death of last surviving spouse, whichever is earlier. Periodicity of payments from loan account (monthly/qtly/half yearly /yearly) is to be decided mutually beforehand. Borrower has option to change the periodicity as per his requirement, in consultation with the bank. Maximum monthly payments shall be capped at `50,000/- or such other amount as may be notified by government. A monthly payment chart for loan amount per `1.00 lacs is as per Table 2 above. Entry age for the loan is 61 yrs. That is, completion of 60 yrs. REPAYMENT No repayment till lifetime of senior citizens! Principal and interest due are payable upon death of the last surviving borrower or if the borrower intend to repay during life time to sell the house and move out to

another house permanently. PREPAYMENT Yes! There is an option to prepay the loan at any time during currency of the loan. No prepayment penalty to be levied. REPAYMENT OF LOAN DEMISE OF BORROWER

UPON

There is no financial pain to the senior citizens till end of life! The entire balance due in the loan account becomes payable within 6 months from the death of the annuitant i.e. the borrower and the bank shall advise the legal heirs promptly by a notice. The legal heirs of the borrower have option to settle the loan with interest and other charges during tenure of loan within 6 months from the death of the borrower. SALE OF PROPERTY BY BANK Sale of property by bank becomes inevitable in case of lack of proper response from the legal heirs for settlement of the loan dues, the Bank shall take steps to sell the house property after 6 months as per bank’s rules. FORECLOSURE Certain compliances are always must. If the borrower fails to pay property tax, repair and maintenance, insure the property or if borrower declares self bankrupt or if the borrower donates the property to someone or abandon it or if the borrower rents partly or fully or if the borrower creates any encumbrance, will/gift deed, the loan account shall be foreclosed.

M E Prabhakarababu Ex DZM, Chennai

Taarangan

December 2015

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Taarangan

December 2015

BAnking PLUS

‡›¸¤¸ú ¸ú (Ÿ¸š¡¸)

Growing Significance of Compliance Function in Bank - an Overview I

n today’s global marketplace, banks have greatly expanded the scope and complexity of their activities. They face an ever changing and increasingly complex regulatory environment. Furthermore, due to several high profile regulatory breaches and compliance breakdowns, the regulators, legislators, shareholders and customers are focused on Banks’ customer practices and regulatory compliance performance like never before. Moreover, a compliance failure can result in litigation, financial penalties, regulatory constraints, and reputational damage that can strategically affect a Bank. The Regulators and supervisory agencies always want that the institutions regulated by them comply with the regulations issued by them in letter and spirit. Of late they are not only aggressively pursuing institutions who break the law but also impose higher penalties on lawbreakers. In domestic banking, for instance, RBI has imposed penalty of ` 5.62 Lacs on a PSU Bank for non compliance of the terms of agreement for opening and maintaining currency chests, in another case fined 12 Banks ` 1.5 Crore for non compliance of proper guidelines in advancing loans to a media group which

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has defaulted to the extent of ` 4000 Crore and in April this year it slapped penalty of ` 4.5 Crore on three banks for non compliance of KYC norms. Internationally also, recently the Hong Kong Monetary Authority (HKMA) has fined a penalty HK$ 7.5 million (approx ` 6.4 Crore) on the local branch of a biggest Indian PSU Bank in Hong Kong for non compliance of specified provisions in its Anti - Money Laundering and Counter - Terrorist Financing (Financial Institutions) Ordinance. In the international arena there are numbers of Banks which have been fined in millions and billions dollars for violations of regulatory guidelines. What is the meaning of Compliance? The Merriam-Webster dictionary defines “Compliance” as (i) the act or process of complying to a desire, demand, proposal, regimen or to coercion, (ii) conformity in fulfilling official requirement. What is the scope of compliance in Bank? Compliance Department in the Bank is the guardian of the “Anti Money Laundering and Combating the financing of Terrorism” policy of the Bank and there is a general perception amongst a

few staff that the role of compliance is only to the extent of ensuring compliance with AML CFT guidelines. However, in reality the compliance function performs a much wider role in the Bank. In the Banking parlance, the scope of Compliance includes adhering broadly to three kinds of guidelines namely Statutory guidelines, Regulatory guidelines and Internal guidelines. The statutory guidelines include the Law of the land, Regulatory guidelines are from the banking regulators and internal guidelines mean internal manuals, policies & procedures formulated by the bank. Banks in India, amongst several statutory act, primarily operate under the following statutory guidelines: Banking Regulation Act, RBI Act, Foreign Exchange Management Act, Prevention of Money Laundering Act, Negotiable Instrument Act, Income Tax Act, Finance Act, Right to Information Act, SARFAESI Act, IT Act etc. The regulatory guidelines for Banks in India include the industry standards and codes set by BCSBI, FIMMDA, FEDAI and IBA which need to be followed by the banks. With most of the banks having turned public and having been listed on the stock exchanges, they also need to adhere to the listing and disclosure requirements. Also, as banks are undertaking other business/functions such as bancassurance, cross selling of mutual funds, wealth management, etc. they need to adhere to the guidelines issued by other regulators like IRDA, SEBI, PFRDA, etc. The internal guidelines are described in the manual, policies & procedures and internal circulars of the Bank. Why it is important to being Compliant? The Laws, regulations policies and procedures are meant to bring in a semblance of order and uniformity in conduct of the various stakeholders. Compliance to these ensure orderliness and reduces overall systemic vulnerability.

It is imperative for any institution to follow the laws of the land and comply with the regulations including self regulation. The non compliance of statutory / regulatory / internal guidelines pose various kinds of risks to Bank which may lead to stiff monetary fines, legal and regulatory sanctions, and loss of reputation / financials. The Basel Committee on Banking Supervision (BCBS) paper defines Compliance Risk as “the risk of legal or regulatory sanctions, material or financial loss, or loss to reputation a bank may suffer as a result of its failure to comply with laws, regulations, rules, standard and codes of conduct applicable to its banking activities.” The evolution of Compliance Function in Bank. The Compliance activity has been in existence ever since the first regulation, law or policy was enacted. in earlier days it was integrated with other systems and processes w i t h i n Bank. However with

banking becoming m o r e complex the compliance has evolved as an independent function in Bank. A formal structure of Compliance function evolved in banking system after the BCBS issued guidance on Compliance Risk and the Compliance Function in Banks in

April 2005. Based on BCBS guidance RBI came out with its own guidelines for compliance function in India Banks in 2007. A competent compliance function in any organisation is of the utmost importance in maintaining its integrity and reputation. Its ultimate goal is to ensure that a bank does not cross the lines drawn by legislators, regulators or its own Senior Management. RBI assessment of efficacy of compliance process in banks. RBI closely assess the extent, nature and quality of compliance by banks to various applicable rules and regulations by way of annual financial inspection (AFI) and risk-based supervision (RBS) process. In both approaches, compliance assessment plays an important role in the final rating assigned to a bank. i) Compliance review under AFI Under the AFI process, a detailed review of the compliance function, its working and the status of bank’s compliance with extant statutory, legal, regulatory, market conduct and other applicable Acts is undertaken. ii) Compliance review under RBS One of the key assessments made under RBS is the extent of a bank’s compliance to the existing statutes, regulations and norms. Specific information relating to a bank’s compliance with various laws, rules and regulatory guidelines is called for from the bank, which is assessed offsite, supplemented by a subsequent onsite review. Similarly each supervisory agency in the country under whose ambit banks operate have their own ways of evaluating compliance of their relevant regulation on Bank e.g timely payment of Taxes (TDS to Income Tax & service tax), timely registration under CERSAI

In today’s stringent regulatory business environment with new standards and mandates coming to effect at a never-before pace, all staff need to keep them self updated with regulatory changes atleast in the area they handle in the Bank and ensure ongoing compliance with those changes. The best way to ensure compliance with the relevant internal and external guidelines for each staff is to make an annual work plan / tracker on the responsibility attached to one’s desk, regularly update it and diligently follow it. for noting charge on security financed by Bank, proper adherence to AML CFT guidelines before opening a new account, timely payment of premium of the loans covered under CGTSME etc. to example a few. Non adherence to the respective guidelines not only jeopardise the interest of the Bank but also bring trauma to the erring staff. Responsibility of Compliance The Compliance Functions in our Bank include an exclusive Compliance Department headed by the Chief Compliance Officer at Head Office, Compliance officers at each Zonal offices and identified officers for Compliances at Branches . The scope of the compliance in the Bank is very vast, it includes numerous acts, legislation, rules, laws, regulations, policies & procedures (internal as well as external) and varies with geographies / specialisation of the branches also. Compliance with all the applicable guidelines is a joint responsibility of all the staff of the Bank in general and specific responsibility of staff assigned the relevant task in particular.

Ajay Kumar Tripathi Singapore Branch Singapore

Taarangan

December 2015

‡›¸¤¸ú ¸ú Banking (Ÿ¸š¡¸) Group (East) ›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸»¨¸Ä) / National

The then GM NBG( E ) Shri Dinabandhu Mohapatra along with ZM Smt. Binata Sengupta handing over Sanction letter to one of the customer during the inaugural program under Star Mahotsav Campaign organized at Bowbazar Branch, Kolkata Zone.

The then GM NBG(E) Shri Dinabandhu Mohapatra, ZM Kolkata Smt. Binata Sengupta and Principal & AGM Shri B K Burman during opening of ATM at STC Kolkata.

The then GM NBG( E ) Shri Dinabandhu Mohapatra delivering his speech during Intaglio 2016 at Indian Institute of Management, Calcutta. Our Bank was the Title Sponsor of the program.

DGM NBG(E) Shri Purushottam Panda handing over cheque for purchase of Generator, biomedical instrument for surgery to Kolkata Heart Clinic & Hospital under CSR activity of the Bank at Kolkata Zone.

¢¬¸¢¥¸Š¸º”õú ‚¿ ¸¥¸ Ÿ¸Ê ¢¤¸ ¸›¸½¬¸ ˆÅ¸½£½¬œ¸¸Ê”Ê’ í½÷¸º ‚¸¡¸¸½¢ ¸÷¸ ¬¸¿Š¸¸½¦«“ ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸—

Siliguri Zone, Gangtok Branch, Sr. Branch Manager Mrs. Shampa Nandi at clinic of Dr. Sujata Mukhia, borrower under SME Doctor Plus Scheme.

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efomebyej 2015

initiative

Digital Banking Initiatives: mVisa Bank of India in collaboration with Global payment technology Visa, has launched a new mobile payment service in India mVisa, a Person to Merchant payment service.

Lavanya A

AGM (IT), HO

he new platform will usher in a cashless and cardless system to enable customers purchase goods, pay bills transfer money to their kith and kin, initially to begin with it has been enabled for purchase of goods,the other features would be enabled in phased manner .

‘Pull’ payment Consumer

Issuer

ATM ‘PULL’ 1. Initiate 2. Authenticate 3. Authorised 4. Clear & Settle

Visa Net

mVisa represents a new channel to access the Visa network using mobile devices, with VisaNet connecting mobile accessible accounts to each other. The mVisa solution is adapted for a card-less, digital world and serves many needs and applications: various merchant payment use cases, person-to-person money transfers, deposits and withdrawals, and cardless interaction with existing Visa infrastructure like ATMs. The value of mVisa is delivered by combining the power of mobile connected devices with “push payments” as the underlying transaction.

To avail the service, BOI customers have to download the mVisa application into their smartphones and link their BOI Debit, Credit or Prepaid card to the application.

Traditional Card Transaction Customer hands over card to merchant. Merchant swipes customer card and PULLs funds. Merchant has to close batch and claim funds from acquiring bank. Chance of fraud and disputes on transactions Merchant terminal working condition and stationery needs to be maintained. Rentals and associated charges need to bourne.

mVisa Transaction Customer PUSH payment to merchant. No physical card requirement Merchant gets funds instantly. No Fraud chance and fewer disputes as only customer can initiate transaction. The acquiring application can be downloaded on merchants own mobile.

‘Push’ payment POS

rch

an t e-commerce

Consumer

‘PULL’ 1. Initiate 2. Authenticate 3. get confermation 4. Clear & Settle

Mobile

Acquirer

Issuer

Visa Net

Merchant

Acquirer

1. For Bank issuing cards increases the opportunity for digital transfer in the day-today transactions conducted by a consumer. 2. For acquiring Banks it provides low cost, low risk acquiring capability to penetrate the huge unrealized merchant potential by making it very easy for anyone to become an accepting merchant. 3. Bank can create category of “agent acquirers” for clients interested in branchless banking, to enable scalable cash-digital conversion, compete with cash and build a route to electronic payments. 4. Provides globally interoperable standards, as it works on any connected device (both smart phones and feature phones) and augments relevance in an evolving POS environment with ability to leverage new technologies like NFC, BLE, and QR code. To avail the service, BOI customers have to download the mVisa application into their smartphones and link their BOI Debit, Credit or Prepaid card to the application. Customer can add any number of cards of any brand to the mVisa account. On activation, customers can pay for retail purchases by transferring funds from their card to the merchant account using the mVisa application instantly. The customer can continue to use his physical card for normal ATM, POS and ecommerce transaction and his mVisa app for payments at merchants which accept mVisa payments..

Taarangan

December 2015

knowledge plus

Emerging banks in our country About 6 crore banking customers are using electronic transactions; these can grow at the rate at about 25% projected at 18 crore.

ill about 25 years back in India, we knew only

P A Kalyansundar Ex-GM, Pune

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banking as manual brick-mortar bank’s. Towards end coming to the 20th century, evolved use of electronics (Information Technology) which was termed as click-portal module. Even thereafter we used technology only for the banks management and employees, however the customers and users initially were not familiar with the difference. Small improvement was there in the system using plastic use, i.e., Credit Cards/ Charge cards. Then, at the turn at new millennium customers

Book Tickets

Enjoy Food

Mobile Recharge

Buy Medicine

e aym

Ban

Pay Utility Bills Shop Grocery etc.

started interface with machineAutomated Teller Machine (ATM). One of the experience shifted from totally face-toface interaction, to ATM transactions mostly for cash withdrawal, albeit certain some of the other options also. New banking however emerged with slow and hesitated steps, using internet and mobile phones. However during the last few years, there is “disruption” all using the term. Globally payments are shifting rapidly from traditional mode to electronics form of

payment. Some examples like Kenya called M-Pesa, Brazil etc. emerged. A new mode of payment developed globally; in China the volume increased exponentially, started in 2002 called UnionPay (CUP) for domestic cards. Introduction In India now there are 10 small banks and 11 payment banks getting approvals from RBI. These are seen as a first step towards disruption which would eventually mature. Earlier there were card products of international banks; now

disruptions are happening more frequently. Telecom companies, social media platforms, large customer base are ready to use the network, to leverage the payment market. Last year Bandhan Bank received approval from RBI. Within the time stipulated Bandhan bank commenced universal banking business in August 2015. The Bank has more than 7 million borrower customers are ready to use the network of 500 branches, more than 2000 sub-offices, hand-held devices for Financial Inclusion. Bank has a lending book of more than `10,000 crores. This is an example to be emulated. The payment environment being shaped for the new channels, services and players including non-banks. The new technologies and channels will make transactions like transfers, remittances, on-line merchants payments and e-commerce. These are normative ways having pervasive utility for mobility, causing shift in bank practices, distribution and payments. Payments Services and Products - Most of the latest services & products are used, as follows: • Credit Cards/Charge cards/ POS, Debit/ATM

cards • Other emerging contactless cards/ Pre-paid cards • NEFT/RTGS Network • Mobile devices, applications and network (including USSD) • Hand-held devices (micro ATM) with contact/ contactless cards • On-line payments, to use Direct Benefit Transfer Most important development is security. We were not sure even about 5 years ago, however the security requirements are also taken care of now. Electronic Payments – modes being used these days • Make payments more efficient, lowering cost of disbursing & receiving payments • Increases individual’s risk management capacity and used for security • Increase the privacy of payments and security • Increased control over funds received, transparency • Increase the speed of Payments • Less likely for leakage between sender/receiver Advantages Electronic platform offers the

opportunity to rapidly scale up access to financial services, using mobile, POS terminals and other access points. Security and consumer protection framework, enjoining ease of payments that have to facilitate on-line shopping. Moving from Cash transfers/ payments to digital, there would be significant cost savings in the long term. The potential cost saving are especially striking when considering large scale government – to – public payments, such as social transfers. One of the study espouses that government initiative once to implement by year 2017, saved to be realised in about $ 22 billion. Mobile banking Earlier, there was just one way of communication mode for Plastic cards. However, Mobile banking provides feedback, enables a two-way interaction and carry financial transactions without the need of a human teller. Thus provide flexibility to customers using products, banking transactions, using Payments. Year 2020: Anticipating that bank to see as milestone Less number branches as physical, as against Internet & Mobile accounts. Products

oriented to serve customers using mobile banking will as consultant to its users. Of the banked population, customers have access for internet at about 42%. Recently the digital banking term is being used very vastly, however out of banked customers, only 13% use the digital banking. About 6 crore banking customers are using electronic transactions; these can grow at the rate at about 25% projected at 18 crore. However,

virtual bank avatar will do; everything for customer. Hope for crores of people who were marginalised, that would join 100% FI with mobile banking, and open up business opportunities. For the moment, emerging banks shall carry business in new way, and that would be seen as new world. Combination of a large established bank, core technology company coupled with telecom enterprise would bring best of the breeds.

Taarangan

December 2015

›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸¢ä¸Ÿ¸-1) / National Banking Group (West-1)

Ÿ¸º¿¤¸ƒÄ Ÿ¸Ê `£¸«’ïú¡¸ ‡ˆÅ÷¸¸ ¢™¨¸¬¸ ˆ½Å ‚¨¸¬¸£ œ¸£ ‚¸¡¸¸½¢ ¸÷¸ £›¸ ûÅ¸£ ¡¸»¢›¸’ú' Ÿ¸Ê Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸-1) ªú ƒ¿ÍŸ¸›¸ú Ÿ¸¢¥¸ˆÅ, Ÿ¸º¿¤¸ƒÄ ¢ ¸¥¸¸ ˆÅ¥¸½Æ’£ ªúŸ¸÷¸ú ©¸¾¥¸¸ ‡ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

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Ÿ¸º¿¤¸ƒÄ „î¸£ ‚¿ ¸¥¸ ˆÅú `¤¸¸½£ú¨¸¥¸ú œ¸¢ä¸Ÿ¸ ©¸¸‰¸¸ ˆ½Å ›¸‡ œ¸¢£¬¸£' ˆ½Å ©¸ºž¸¸£¿ž¸ ‚¨¸¬¸£ œ¸£ ‚¸¿.œÏ. ªú ¢¥¸¿Š¸£¸ ¸ ¢¤¸¬¸¸½ƒÄ, „œ¸ ‚¸¿.œÏ. ªú œ¸º‰¸£¸ ¸ œ¸¸›¸Š¸¢”õ¡¸¸, ¬¸.Ÿ¸.œÏ. (¤¸¸½£ú¨¸¥¸ú œ¸¢ä¸Ÿ¸ ©¸¸‰¸¸) ªú ‚¢Ÿ¸÷¸ ˆºÅŸ¸¸£ ‰¸¸›¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

Ÿ¸º¿¤¸ƒÄ „î¸£ ‚¿ ¸¥¸ ˆÅú `‰¸¸£ ©¸¸‰¸¸ ˆ½Å ›¸‡ œ¸¢£¬¸£' ˆ½Å „™‹¸¸’›¸ ‚¨¸¬¸£ œ¸£ ‡Ÿ¸’ú‡›¸‡¥¸ (œ¸¢ä¸Ÿ¸-I) ˆ½Å Ÿ¸.œÏ. ªú ©¸©¸¸¿ˆÅ Ÿ¸¸¥¸¨¸ú¡¸ ˆ½Å ¬¸¸˜¸ ‚¸¿.œÏ. ªú ¢¥¸¿Š¸£¸ ¸ ¢¤¸¬¸¸½ƒÄ, „œ¸ ‚¸¿.œÏ. ªú œ¸º‰¸£¸ ¸ œ¸¸›¸Š¸¢”õ¡¸¸, Ÿ¸º.œÏ. (‰¸¸£ ©¸¸‰¸¸) ªú Ÿ¸›¸¸½ ¸ ˆºÅŸ¸¸£ ¢¬¸¿í ‡¨¸¿ ¤¸ÿˆÅ / ©¸¸‰¸¸ ˆ½Å ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

MNZ, LDM Shri Gadadhar Sethi addressing financial literacy programme organised in Hemraj High School Borivali (East) in collaboration with RBI.

MNZ, Worli Naka Branch put one stall at Annual convention of IEEMA (LtoR) SM Shri Sunil Kumar Marulkar CM Ms. Sujatha Rangaswami, Mktg. Exe. Shri Nitin Jhumle at the stall.

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efomebyej 2015

›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸¢ä¸Ÿ¸-2) / National Banking Group (West-2)

Goa Zone ZM Shri Gopal Krishna Das inaugurating ‘e-gallery’ at Aquem, Margao Goa along with DZM Shri Balkrishna K Arsekar and CM, Aquem Branch Shri B A Sheregar.

Goa Zone ZM Shri Gopal Krishna Das handing over 10 Garbage collection boxes to Village Panchayat, Taleigao Sarpanch Shri Jannu Rosario as a part of CSR activity undertaken by Dona Paula Branch along with DZM Shri Barlkrishna K Arsekar and Sr. Br. Mgr. Shri Prasad Raut.

Goa Zone ZM Shri Gopal Krishna Das handing over gifts sponsored by Bank to participant children of ‘All Goa drawing and painting competition for special children’ organised by Disha School in the august presence of Hon. Chief Minister of Goa, Shri Laxmikant Parsekar.

Pune Zone ZM Shri Prasad Joshi along with AGM, RBC Pune Shri Panigrahi, BM Shri Kharade and customers Dr. Kothari Sudhir and Shri Aba Raskar during customer meet held at Branch.

Pune Zone ZM Shri Prasad Joshi addressing at PMMY Camp organized by Narayangaon Branch. Sanction Letters to the beneficiaries were handed over by Shri Joshi.

Pune Zone ZM Shri Prasad Joshi inaugurating new ‘e-gallery’ at Narayangaon Branch alongwith CM, Narayangaon Branch Shri Kolhe.

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Taarangan

December 2015

›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸¢ä¸Ÿ¸-2) / National Banking Group (West-2)

Inauguration of ‘Star Niwas Health Club’ at Solapur Zone at the hands of GM NBG (W-2) Shri R S Chouhan. ZM Shri S K Relan, DZM Shri Mutalik Desai and other staff members on the occasion.

DGM (I&A) HO Shri P C Roy with ZM Solapur Zone Shri S K Relan, Director Shri A S Kanagi and the Trainees of RSETI Solapur during his visit to RSETI.

DGM-Audit (Pune) Smt. Kusum Tewari at the inauguration of e-gallery at Solapur Main Branch along with ZM Shri Sunil K Relan, AGM Solapur Main Branch Shri N L Trivedi and other staff members at Solapur Zone.

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›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (™¢®¸µ¸) /National Banking Group (SOUTH)

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Andhra Pradesh Zone ZM Shri Susil Kumar Agrawal along with his wife Mrs. Naga Bramaramba, NGO member Adv. Mrs. Padmaja, President AIBOC, AP Unit Shri G Vasudeva Rao, Zonal Sect. Shri Mangapathi along with participants of “Women Sports Meet” of Andhra Pradesh Zone.

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AGENT SUNIL… {NOTE FOR READERS : The situation and characters described in this story are totally fictitious and purely figment of imagination of the writer. Any resemblance or similarity to any person and/or organization, living or otherwise is purely coincidental.}

unil, the younger sibling of my dear friend Anil, is a very successful and prosperous person. With his present portly appearance it is difficult to imagine that few years back he was very slim, almost skinny. However the success achieved by him in his mission and career was with the frail personality which is indeed remarkable. This is so because such an unimpressive body structure and timid approach or attitude would normally be a great handicap in his chosen field of activity. How he notched up success in life in spite of inherent disadvantages is the crux of this narrative. Going into flashback, around 15 years earlier, Sunil had completed his graduation and was in search of suitable job/ vocation. He was an average student with modest ambitions. But he had positive approach, good grasping ability, dedication, and tenacity. He was reticent, not the one to open conversations and would speak only when spoken to. But he could communicate clearly in simple language, as per demands of situation. As already mentioned he had a skinny frame and was of medium height. After about six to eight months of futile job search, when his morale was ebbing, a well-wisher suggested Sunil to take up assignment as a financial advisor for insurance services. Sunil, without a second thought accepted the offer and thus embarked upon a formidable mission. At the outset given the inherent disadvantages of unimpressive personality and fact

that he was all but a glib talker, it was a pipe dream to expect that Sunil could undertake core marketing activities and sell insurance. So even before he could introduce himself, people would dismiss him curtly, indicating plainly their disinterest in the insurance schemes, about which he was trying to tell them. After few weeks of fruitless efforts, Sunil got into a state of deep depression arising out of frustration at his inability to make headway in even communicating with persons he was approaching, leave alone selling insurance. One evening, morose Sunil accompanied me and Anil to a spy thriller suspense movie. We all enjoyed the movie thoroughly and I was surprised to find change in mood of Sunil who seemed relaxed with a strange glint of determination in his eyes. Few days later a weird and suspicious looking character wearing golf cap, tweed jacket and dark glasses, with brief case in hand, waved at me while I was walking down the road. On close look I realized it was Sunil but he was in a hurry and boarded a taxi to proceed somewhere. I was outstation thereafter for few months and not in touch with Anil or Sunil. On my return I learnt that Sunil had got award for record business of selling insurance. I was flabbergasted to hear this and immediately rushed to Sunil’s house. I was desperate with curiosity and asked Sunil story of his stupendous success. This is what Sunil narrated to me. Since people were not ready to listen to him, for his insurance schemes, he tried an innovative approach. He put on the costume of jacket, cap or hat and dark glasses, along with an official looking brief case in hand, to appear sinister and mysterious. He got the brain wave after seeing the spy thriller movie. Whenever he approached any person at home or

business premises he would speak gravely in low, conspiratorial tone “Name is Sunil, Agent Sunil. Agent 007 of ISI. I have license to kill! Want to talk to you urgently about serious matter concerning your personal security. Can we sit for a few minutes in seclusion and discuss this important issue.” The other party already puzzled and intimidated by his attire and style, would get even more baffled with his words. Slowly Sunil would occupy a place to sit along with the prospective target, and spin some stupendous yarns about enormity of probable loss, due to hazards and perils to life and property, to the other party. Thus convincing the person the importance of insurance for protection against risks, he would sell schemes of life or general insurance. He further explained to me that ISI was acronym of his firm/ company Insurance Services India, and company had allotted to him Code Number 007 for identification and record! As far as “License to kill” was concerned he would clarify to the potential clients that “it was license to kill (or destroy / eliminate) all their financial worries and problems!” Since then Sunil has not looked back and his success story continues, because all his satisfied clients got him more and more business from their contacts. Presently, Sunil has hardly any need to move around for securing business, and has employed assistants to do running around and ground work, hence he has added on much weight to his personality. Even though now he does not dress up like a spy agent but is attired in a three piece suit, dons Rayban sunglasses, and operates from an air conditioned office chamber, at a swanky business premises, we still call him “Agent Sunil.”! (A WORD OF CAUTION : It may be potentially hazardous to emulate Agent Sunil’s tactics for marketing insurance products !)

Dr. Rajesh Iyer Ex - Staff Nagpur

Taarangan

December 2015

BOI STAR

Learned Banking in 12 years which were my formative years 1981 to 1993 in Bank of India. This was very useful for setting up such a robust Micro Finance Institution.

Shining Star of Bank of India Dr. Medha Purao Samant, Chairperson & Managing Director of Annapurna Pariwar

A (Statistics), Master of Social Work (Urban and Rural Community Development), and Ph.D in Social Work Dr. Medha is Chairperson of Annapurna Mahila Credit Co.Op. Society, Annapurna Pariwar Vikas Samvardhan, Vatsalyapurna Swayamrojgar Seva Co. Op. Society, Chief Trustee of Annapurna Mahila Mandal, Mumbai and Pune. She is guest faculty at NIBM, NIA, Women’s Studies Centre, SNDT University, Tata Institute of Social Science and Karve Institute of Social Services. She is considered to be an expert on ‘Micro Finance’ ‘Micro Insurance’ and ‘Gender & Development’.

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She has presented paper at Sussex, UK on Annapurna Model; Minimalistic Approach vs. Comprehensive Approach and represented India NGO in Brussels & Philippines. She delivered speech in Australia on International Women Day 2013 and recently at Commonwealth Heads of Government Women’s Forum in Malta. Dr. Medha has received various awards in personal category as well as for his NGO of which Entrepreneur’s International award for year 2003, Adishakti puraskar, “Woman Leader in Microfinance” by Indian School of

Dr. Medha Purao Samant was an employee of our Bank from the year 1981 to 1993 before she left the services of the bank to pursue her social welfare works started by her mother Padmashree Prematai Purao, founder of Annapurna Mahila Mandal established way back in 1975. Her father Com. Dada Purao alias Narendra Shantaram Purao was also an employee of our Bank and prominent leader of AIBEA of Bank of India. Dr. Medha worked in various branches and Zonal offices at Mumbai and Pune. She was also an active member and elected ladies’ representative of All India Bank Employees’ Association. She resigned from the services of the bank in 1993 to set up Annapurna in Pune.

Microfinance for Women, Ahmedabad at the hands of Padmabhushan Ila Bhat in 2009, “Dr. Babasaheb Ambedkar Samajbhushan” Award by Government of Maharashtra in the year 2015 & “Excellence in Social Entrepreneurship” by Maxell Foundation in the year 2015 are noteworthy. Padmashree Prematai Purao who had founded Annapurna Mahila Mandal way back in 1975 with the main objective of making bank loans available to the MessRunners to free them from the clutches of private Money Lenders. In 1993 after leaving services of Bank of India Dr. Medha Purao Samant established “Annapurna Pariwar” in Pune & started giving small loans to poor women. Her exemplary leadership and dedication took Annapurna Pariwar to new heights. Annapurna Pariwar has diversified and expanded, since 1993. NGO’s Head

office is at Warje and regional office is at Mumbai (Vashi, Navi Mumbai). It has 11 Branch offices in Pune and 10 Branch offices in Mumbai which are situated in the slums. The aim of Annapurna Parivar is to empower the poor women and their families by giving small loans and other

financial as well as non financial services. Annapurna Mahila Credit Co-op Society is working in 600 Slum pockets in Pune and 500 Slum pockets in Mumbai. Today Annapurna Pariwar is covering 80,000 members. There are 95% women and 5% men borrowers. Though Annapurna Pariwar started with Micro Finance service for the empowerment of poor women, it did not stop at that. It went on addressing the other social problems of these women. These include helping the poor families in time of death & sickness as well as taking care of their children. Annapurna Pariwar started Community Based Health Insurance in 2003. This provides free health guidance, networking with Hospitals for concessional treatment, 24x7 help line for health and Reimbursements of expenses in sickness. The total number of members covered under health insurance is 1,75,000 persons which includes the borrowers and their family members. In case of sudden death of borrower, Annapurna Pariwar writes off the borrowers’ full loan amount and also

Though Annapurna Pariwar started with Micro Finance service for the empowerment of poor women, it did not stop at that. It went on addressing the other social problems of these women.

helps her family members financially. In case of death in the family of borrower, Annapurna Pariwar gives financial assistance to the family. It has started pension program implementation since 2012. Within last 4 years 14000 members have enrolled under this program. Annapurna Pariwar also runs Daycare centers for the children of poor women. At present it runs 20 Day Care centers in Pune & Mumbai with 600 children. These centers are managed by women from the slums who are trained by Annapurna Pariwar. Annapurna Pariwar provides Educational sponsorship to the children of single mothers who are members. Well-wishers and individual donors sponsor one or two children each. It gave assistance to 1200 children in June 2015. Annapurna has not limited its services only to provide loan and recovery of these loans but also understanding the problem of members and working out a solution with them. Dr. Medha aspires to reach more and more needy women and poor people through ANNAPURNA PARIWAR. BOI Parivar is proud of Dr. Medha and wishes success in her future endeavors.

Ram Mohan Sr. Manager HRD, HO

Taarangan

December 2015

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Inauguration of NBG (J&C) and SLBC Office New Premises at the hands of DC Jharkhand Shri R S Poddar, CGM (HR) Shri Radha Nath Kar & GM NBG (J&C) Shri Mritunjay Kumar Gupta and others officials.

GM NBG (J&C) Shri Mrityunjay Kumar Gupta addressing during 53rd meeting of SLBC Jharkhand in the presence of DC, Jharkhand State Shri R S Poddar, and CGM (HR) Shri Radhanath Kar.

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GM NBG (J&C) Shri Mrityunjay Kumar Gupta addressing the Surgeons attending JASICON 2015, Annual Conference of Association of Surgeons of India held at Bokaro.

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Taarangan

December 2015

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view point

Youth Customer Base: An Essential Market Segment I exactly remember the moment when an 85 year old man came to me over the counter. He was unable to walk so his grandson escorted him to branch.

Ankush Zanott

Faridabad Branch, Chandigarh Zone

hile helping him I came to know his relationship with bank since the age of 22. I thanked him for being associated with BOI. In this high competitive world, I was really surprised by his loyalty to BOI. What was the reason that makes him to stay with BOI? Was it our good services or good products? It took me couple of minutes to understand that it was his first banking experience that he got with BOI at the age of 22. And since then he was so closely attached with Bank of India that the Banking was meant to be with BOI only for him. Being PSB our problem is not only bad assets and capital stretching but also the customer base. The reducing CASA and poor quality loans are the problems we need to address. Payment Banks introduction by RBI and new entrants like Bandhan will multiply our problems. With my article I am trying to draw attention to the current era where we have

fashion to food is positive part of their profile. They are best target group for Credit Cards/Insurance/ Mutual Funds.

largest young population, which needs to be added to our customer base. We are in digital world where youth spends maximum time on gadgets. With this population base India remains largest consumer market. The time requires balancing with market conditions. As banker we need to tap this market base which is largest spender. The right time to approach a customer is in his early age group. The customers having early relationship with any brand maintain loyalty. We see the brands like Flipkart, Telcos, Big Bazar luring young customers. The huge spending on advertisements makes their strategy clear that they want to capture youth market share. If the same idea remains unattended by us, CASA and bad loans figures may turn worse. We need the youth customer base to survive in long term. The strategy of Private Banks and their luring to youth has shifted a huge base to their market share. Easy approach, fast services, customized solutions are the three major attractions for youth customer base. They want banking at the speed of thought. In recent time we have experienced many payment wallets companies challenging us. The reason of their success is that they have reached where customers are. The situation clearly indicates we have to be where customers are. The youth customer base in the age group of 25-40 is the best suitable target audience for retail loans. They maintain good balances in accounts and their spending on

Easy approach, fast services, customized solutions are the three major attractions for youth customer base.

We need to formulate strategy to capture the market share aggressively. Being posted at branch we must take our brands to complete village/town. We are one of the largest trusted brands in the market. Since introduction of Financial inclusion, everything is giving us an edge over private banks and non banking financial institutions but now threat is to keep the customer base we got and adding the targeted which in future will turn add to favorable CASA and good quality assets. Three major points Easy Approach, Fast Service and Customized Solutions should be adopted in our strategy. I would like to emphasize here, internet banking days are now near to go. Digitalization has brought everything so close that convenience has become customerâ&#x20AC;&#x2122;s top priority. We need to promote our mobile apps among customers. Remember this will help us assessing customers spending preferences and we can develop our products accordingly. An early action will surely improve our CASA and bad loans figures along with bottom line business. As a good number of young people have joined our Bank in recent years, we definitely have leverage to address the issue.

Taarangan

December 2015

Health Plus

Shinrin-Yoku S

hinrin-Yoku in Japanese means forest bathing. Scottish novelist Robert Louis Stevenson describes it splendidly as, “It is not so much for its beauty that the forest makes a claim upon men’s hearts, as for that subtle something, that quality of air, that emanation from old trees, that so wonderfully changes and renews a weary spirit.” Shinrin-Yoku is a term that means a short leisurely visit to a forest or “taking in the forest atmosphere”. It was developed in Japan during the 1980s and has become a cornerstone of preventive health care and healing in Japanese medicine.

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Researchers strongly believe that spending time under the canopy of a living forest and leaving the civilized world behind for a few days could be the healthiest thing you do. The fact, that if a person simply visits a natural area and walks in a relaxed way, there are calming, rejuvenating and restorative benefits to be achieved cannot be denied. In Shinrin-Yoku, the participants are required to deliberately engage with nature using all five senses. Participants are encouraged to practice deep

Rajiv Bhatt

Faculty (IT) MDI Belapur

breathing and to tune in to what might spark their senses. Portions of the walks are often done in solitude & silence here. In forests on a trail you are required to watch your each step and hence should be there – both physically and internally or spiritually. Shinrin-Yoku is regarded as being similar to “natural aromatherapy” in Japan. Desk Jockeys as most of the Japanese population has become in todays world, almost quarter of them are returning to nature as they find that going to forests is just like “going home”. Research has certainly shown that the emotions of pleasure and happiness a r e

It is not so much for its beauty that the forest makes a claim upon men’s hearts, as for that subtle something, that quality of air, that emanation from old trees, that so wonderfully changes and renews a weary spirit. elevated with an increase in tree density within specific settings, even in urban settings. Having a home, which is surrounded by trees and bushes, is a great idea for Green, stress-free & peaceful living. But as it is almost impossible, ShinrinYoku has become a very popular trend for vacationing in Japan which is cheap, accessible, and totally safe. Concrete benefits of forest bathing are still being researched, but a scientific study explains that trees emit organic compounds called Phytoncides, which may have a profound impact on your immune system markers long after a forest bathing session. Scientific studies are also demonstrating the mechanisms behind the healing effects of simply being in wild and natural areas. Studies of ShinrinYoku has demonstrated that exposure to nature positively creates calming neuropsychological effects through changes in the nervous system.

The scientifically-proven benefits of Shinrin-Yoku include: • While we breathe in the fresh air, we breathe in Phytoncides which help our bodies respond by increasing the number and activity of a type of white blood cell called natural killer cells or NK. These cells increase immunity, kill tumor and virusinfected cells in our bodies and can last for more than 30 days. Japanese researchers are currently exploring whether exposure to forests can help prevent certain kinds of cancer. • Numerous studies show that both exercising in forests and simply sitting looking at the trees reduce blood pressure as well as the stressrelated hormones cortisol and adrenaline. Forest bathing trips significantly decrease the scores for anxiety, depression, anger, confusion and fatigue. • Spending time in nature, looking at plants, water, birds and other aspects of nature gives the cognitive portion of our brain a break, allowing us to focus better and renew our ability to be patient. • Studies show that if children with ADHD (ADHD is “Attention deficit hyperactivity disorder” which is one of the most common childhood disorders) spend time in natural

outdoor environments have a reduction in attention fatigue and reduction in ADHD related symptoms. Researchers are investigating the use of ShinrinYoku to manage ADHD. • Hospital patients are normally stressed from a variety of factors, including pain, fear, and disruption of normal routine. Research found that patients with “green” views had shorter postoperative stays, took fewer painkillers, and had slightly fewer postsurgical complications compared to those who had a view of a cement wall. • Increased energy level • Improved sleep Silently & deliberately engaging with nature using all five senses; listening to the birds chatter, feeling the movement of the wind on your cheeks, breathing in the fresh air, experiencing the varying textures of nature to your touch, and taking in all visual splendor the woods has to offer is practicing Shinrin-Yoku. It is about slowing down, connecting and immersing our senses in the beauty of nature & allowing healing to occur naturally. Opening our senses to nature also develops our intuition. We learn to contact in new ways with the world around us.

Taarangan

December 2015

learning Plus

Training & Development T

raining and development is a function of human resource management concerned with organizational activity aimed at bettering the performance of individuals and groups in organizational settings. It has been known by several names, including “human resource development”, and “learning and development”. Famous auther “Robert Kiyosaki” said – “Confidence comes from Discipline and Training” Training means learning skills and knowledge for doing a particular job and increase skills required for a job. Development means the growth of an employee in all respect it is most concerned with shaping the attitudes. Training and development has three main activities: training, education, and development. Training generally means specific skills to the employees, an investment not the wastage, relates with a special job, beneficial for both – organization and employees, a continuous process for both new and old employees to improve overall performance of the organization.

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Training and Development has three main Activities: Training, Education, and Development.

Education means job and product knowledge. Development aim at overall growth of the executive, building competencies for future performances, it’s a long term perspective and is career concerned in nature. Talent development is the process of changing an organization, its employees, its stakeholders, and groups of people within it, using planned and unplanned learning, in order to achieve and maintain a competitive advantage for the organization. Talent development is becoming increasingly popular in several organizations, as companies are now moving from the traditional term training and development. Talent development gives a variety of components such as training, career development, career management, and organizational development, and training and development i.e. 1. Coaching 2. Industrial and organizational psychology 3. Mentoring 4. Training 5. Education

6. Organizational Development 7. g-learning or game learning – now a days Banks are giving more and more emphasis on this segments. BOI employees can see and watch the e-learning module and enrich their knowledge to keep them update and for better customer services Benefits of Training Famous author “Morihei Ueshiba” said – “The purpose of training is to tighten up the slack, toughen the body and polish the spirit” And “Queen Elizabeth II” said “It’s all to do with the training you can do a lot if you are properly trained” A: for Employers – employees learn new skills, this will increase productivity, standardization of work procedure to make high performance, boost morals of their employees, Top Management can identify the talents B: for employees – increase confidence, develop new skills, career development and advancement Role of Trainer it involves classroom, teaching and

instructions, supervision of individual project work and all those activities that directly influence immediate learning experiences Steps for an effective training:The famous author “John Romanieello” said “The best training programme in the world is absolutely worthless without the will to execute it properly, consistently and with intensity” 1. identification of training needs 2. setting training object 3. evolution of training Training Operations 1. Selection of trainees - The proper selection of trainee is very important factor. A trainee must be provided the training which he really needs. 2. Training the trainer - The trainer is a key figure of any training programme Trainer need many qualities besides theoretical competence? 3. Training period - In training period the duration of a training programme depends upon the skills to be acquired, the trainee’s learning capacity and the training methodology used. 4. Training methods and materials - The choice of any training method depends upon the specific objectives of the training programme and several other factors. Training methods - on the job and off the job. Other Important Training Methods 1. Orientation or Induction Training – for new employees in the organization 2. Job Training – relates to the specific job, which he has to perform. Famous author “Sylvia Mathews Burwell” said “Job training empowers people to realize their dreams and improve their lives” 3. Refresher Training – for the old employees to acquaint the existing work force with the latest method of performing their jobs and to improve their efficiency further. 4. Pre-promotion Training – for promotion of employees to higher jobs in the organization.

Training Aids 1. Planning – to achieve the objectives of learning activity. 2. Common Training Aids – to help the trainer to deliver successful training i.e. printed material, still projected material, video-audio, computer based materials. 3. Overhead projector - it is useful to display diagraphs, charts and graphs and to display real objects. It is a very important effective tool to focus the attention of learners. 4. Paper Based materials - such as Handouts, hot books charts, maps, diagrams etc. are the most commonly used training material for in training within mass group and individual instructions. 5. Flipcharts - are the large sheets of paper hung for a support bar or easel. They can be used to display pre-prepared sheets or can be written or in real time. 6. Marker Boards - Whiteboards have the advantage of being cleanness and are generally clear than chalk boards. 7. Audio - To bring a real sounds into training room i.e. Music and discussion etc. 8. Photographic Slides - to support mass group or individual instruction slides are commercially available or can be produced specially by photographing actual scenes, systems or material carried or other media. 9. Synchronized Audio and Slides - Tape slides presentation can be useful in all types of learning systems a projector being used for mass instruction and groups and a back projector with an integrated audio tape for small groups and individual instruction. 10. Video - It is a powerful aids increasing in popularity in all types of instructions. 11. Computer based aids - There are several software available which can make the presentation process very linely and interesting i.e. MS Office contains Power Point presentation software.

Methods of Training Evolution 1. Post course assessment - Immediately after the end of a training programme and are the most frequently used method for evaluating a training programme. This method is based on fact, freedom opinion. It is most useful benefits of a post-course assessment is in assisting the trainer to assess the skill of instructor. 2. Pre & Post course test - It is often helpful in deciding what needs to be built on, particularly when teaching a specific skill. 3. Management Briefing - The most common way of conducting a management briefing is for the trainer to provide the manager with a detailed set of objectives and an outline of the content of a particular programme. The Manager then discusses this with the trainee & together they work out same personal and specific objectives, which may be related to the trainee’s knowledge, skill or attitude. The trainee who attends programme having been fully briefed by the manager and who is fully committed to achieving personal objective will be well prepared for learning process. 4. Management de-briefing - Line managers should review the learning process with the trainee after the programme. 5. Questionnaires - They are very useful instruction to gather information about the effectiveness of training. The questionnaires should be designed primarily to assess the level of skill or knowledge which the trainee has retained during the period following the Lastly famous author “Walter Annenberg” said “Many activities and team play participation will give you a training that will prove invaluable later on in life”.

Narendra Kumar BOI, MDI, CBD Belapur

SOURCES:- 1. http://en.wikipedia.org - Training and Development 2. www.aimcollege.in - Management Training & Development (OBH-412) : AIM College-Hisar 3. www.brainyquote.com - Quotes “Training Quotes”

Taarangan

December 2015

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Taarangan

December 2015

MANAGEMENT LESSON

Are You Efficient Enough in Anger Management? Control Your Anger before it starts to Control You!

e all get angry in unwanted or some gauche situations, it’s a normal emotion. However, some of us are capable enough in handling their anger better than others. While one person might be a bit unhappy when someone complaint about his attitude, another is so angry that he shouts and swears, and starts fighting with abusive words. How can the same event cause such different reactions? And how can you make sure that your reaction is right or when wrong. In our day to day life as a Banker we all face complaints and customer’s affection and anger but in same situation some officers handle the same calmly and some officers show their anger, they shout and get frustrated. Just because of lack of anger management many people loose their relations, jobs and sometimes your anger spoils your whole career. Specially in service sector like banking where employees will always deal with public so it’s quite common that conflicts arise with customers and hot-talks situation can arise at any point of time, so it’s really beneficial tool for providing better services in banking sector. We all know this fact but how can one analyze that how good is his Anger Management? So for analyzing your anger think about following points and one can calculate his anger management capacity.

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To identify the efficiency of anger management choose any one option from below for each of the below questions: Never (1)

Rarely (2)

Sometimes (3)

Often (4)

Very often (5)

1. I seem to get angry unexpectedly, without really knowing the answer why. 2. When someone makes me angry, I try to hide my emotions, and try my best to tolerate it. 3. When I come across a problem, I identify the “right” solution myself and let it be implemented as fast as possible. 4. When I’m angry, I want to hit or hit something. 5. When something really frustrates me, I can usually see the persons around me and usually laugh on me with others. 6. When people make me angry, I try to understand the reason. 7. I feel that I am capable enough in controlling my anger. 8. I can forgive people after they’ve angered me. 9. I have an activity or hobby to release my feelings of anger. 10. When I’m angry, I tend to focus on my feelings and how I’ve been wronged. 11. When I’m angry, I find alternatives and give myself enough time to make best way to resolve my problems. 12. When someone asks me to do something which I really don’t want to do, I do – and then I’m angry at myself later on. 13. If I know a certain situation will make me angry, I try my best to avoid it. 14. If another person damages something of mine due to carelessness, I face up to the person and use the situation to talk about responsibility. After completion of the above mentioned activity, add the marks of each question and calculate the score, your scoring marks will reflect your efficiency in management of anger.

‚¸ž¸¸£ Score 14-35

36-50

50-70

Comment It seems that your anger controls you, which probably gives you all sorts of problems. This may make you more angry. In some situations you’re able to manage your anger but not in all. You have a set of few strategies that works for you, however, you’ll get benefit from a better understanding of causes of your anger, and necessary actions you can take to manage your emotions. You have a very good understanding of what makes you angry, and you know what you should do when you start to feel signs of problems. You’ve developed various ways of anger management strategies, and you can be proud.

The goal of anger management is not to eliminate anger completely but to control at maximum level, since it’s a natural human emotion. The objective is to control and direct your anger – so that it can’t control you. For controlling your anger firstly you have to search the cause of anger and then work on it accordingly, some solutions are as follows to control your anger:• Take 10-15 deep breaths. • Some physical activities like – walk, run, jump, swim, play golf etc. • Yoga or another relaxing form of exercise. • Participate in a fun activity or hobby. • Start countdown. • Try to express your feelings. • Try to forgive; it helps to let move on with a fresh attitude.

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Dr. Anil Kumar Jangid Sirsaganj Branch Agra Zone

Taarangan

December 2015

gratitude

M O R F Y E N R MY JOU O T R E G N U H ? S S E N I P HAP I

came to Bhubaneswar, the state capital of Odisha in the last part of 1973 in search of a job because my parents couldn’t afford to send me for further higher education as they had no regular income to feed their 5 children of whom I am one. Initially, I worked as a ‘Daily Wage Worker’ in Orissa Forest Corporation, Bhubaneswar for @ ` 5 per day which was really not enough to feed myself for full day. On 2nd March 1981, my life was fully changed as I joined my beloved

for its customer-friendly service. I learnt many skills during my services in the bank and enhanced my knowledge on various banking aspects. I got married and was blessed with son & a beautiful daughter. Due to my job in the bank I could do all the good things for my family. I feel, I reached from ‘Hunger’ to ‘Happiness’. I was getting good salary and other benefits from the bank due to which I educated both my children and performed marriage of my daughter. It helped my son to secure a finest job in Bank of New York Mellon, Chennai (due

Due to my job in the bank I could do all the good things for my family. I feel, I reached from ‘HUNGER’ to ‘HAPPINESS’. Institution i.e. Bank of India. It is a sweet journey of 33 years which comprises of my life story from Hunger to Happiness. At the time of joining the Bank, honestly, I was penniless but was complacent of having job in a Bank like ‘Bank of India’ a nationalized bank. Bank of India was one of the top Bank having many awards

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to education loan of bank) and last but not the least, constructing our dream home (fully furnished) in the state capital of Odisha, Bhubaneswar by availing various loans like housing loan, computer loan, vehicle loan. What more should I expect from my Bank? I always considered my Bank (Bank

of India) as my second home as most of my time after my family I had spent time with my colleagues in the Office. Notwithstanding what I said I feel happy today for the reason that I travelled from Hunger to Happiness (to be more honest, to the apex point of Happiness) because of my job in Bank of India and the facilities given by the Bank to its employees, in addition to regular salaries. I am contended man today. After my retirement, I am getting my pension and I am extremely happy with less/no work but full pay (pension). I owe a lot to my sweetest organization, Bank of India. Before I conclude, I wish good luck, bright future and a happy journey to each staff member working now or to join later in our beloved institution i.e. Bank of India.

T Nageswar Rao

Staff (retired) Bhubaneswar Zonal Office

knowledge plus

M ot iv at io n Yo u to o ca n do Won de rs Milan K Sinha Ex Staff & Motivational Speaker Patna

“What is the difference between “Ordinary” and “Extraordinary”? It is that little “EXTRA”.

immy Johnson, the renowned American football coach and broadcaster asked the question and provided the reply too: “What is the difference between “Ordinary” and “Extraordinary”? It is that little “EXTRA”. The example of Jamaican sprinter, Usain Bolt who won 100m, 200m and 4x100m relay races in London 2012 Olympics is a case in point. Very proudly, Usain repeated his Beijing 2008 Olympic feat with improvements in running time in 100m and 4x100m relay events. He recorded his extraordinary performance by putting the little extra which was the basic differentiating factor between him and other runners there. Yes, in every field of life we find such achievers. May be you are one such performer in your own field in your own way. Not to emphasize much, these historical feats are the outcome of the inner urge matched with sustained action, which is expressed in the following lines written by famous Urdu poet and thinker Allama Muhammad Iqbal:

‰¸º™ú ˆÅ¸½ ˆÅ£ ¤¸º¥¸¿™ ƒ÷¸›¸¸ ¢ˆÅ í£ ÷¸ˆÅ™ú£ ¬¸½ œ¸í¥¸½ ‰¸º™¸ ¤¸¿™½ ¬¸½ ¡¸½ œ¸»Ž½ ¤¸÷¸¸ ÷¸½£ú £ ¸¸ Æ¡¸¸ í¾. (‘Make yourself so strong that before

deciding your destiny God asks about your wish; what you actually desire’) Take the case of a few persons who by virtue of their extra ordinary deeds made us all proud: Netaji Subhash Chandra Bose: He was an indomitable fighter who also founded Indian National Army while in exile to overthrow the British Rule and put up fights accordingly. Dr. Rajendra Prasad: He was the first President of India. He was very simple and brilliant, for whom the examiner wrote in his college answer paper that ‘examinee is better than examiner’. Lal Bahadur Shastri: The second Prime Minister of India, after Nehru, who gave the famous slogan ‘Jai Jawan, Jai Kisan’. India won the war against Pakistan in 1965 under his able leadership. Baba Amte: The great social worker and activist who worked tirelessly for empowerment and rehabilitation of poor masses suffering from leprosy. They all and many others never allowed the constraints to come in their way and utilized every moment instead, as an opportunity to do the very best by covering that extra mile which proved to be their X-factor for excellence.

The burning example in recent past was Steve Jobs, the founder of APPLE who despite being suffering from cancer, continued his ‘Imovative’ works tirelessly (he coined this word ‘Imovation’ which is: Imitation + Innovation). Even physical disabilities couldn’t stop Stephen William Hawking - the British Theoretical Physicist; Ludwig Van Beethoven - one of the greatest composers in the history or Helen Adams Keller - the famous American author and political activist, from becoming the legends in their own field. The following two lines of Dushyant Kumar are thought provoking and inspiring on this subject:

ˆ¾Å¬¸½ ‚¸ˆÅ¸©¸ Ÿ¸Ê ¬¸º£¸‰}¸ ›¸íú¿ í¸½ ¬¸ˆÅ÷¸¸, ‡ˆÅ œ¸÷˜¸£ ÷¸¸½ ÷¸¤¸ú¡¸÷¸ ¬¸½ „Ž¸¥¸¸½ ¡¸¸£¸½. (‘Nothing is Impossible, Just Try to Achieve it Passionately and Sincerely’) To say, every one of us has the potential to do something extraordinary at least in one’s own area of interest by following the right path in life. As always, I’m keen to know what you think on this subject. hellomilansinha@gmail.com

Taarangan

December 2015

¬’¸ûÅ „œ¸¥¸¦¤š¸¡¸¸¿ ÷¸˜¸¸ ¨¸¸í ¤¸ ¸¸½¿ / Staff AchieVEment & Wah Bachho

¤¸š¸¸ƒÄ / CONGRATULATIONS

¤¸š¸¸ƒÄ / CONGRATULATIONS Vaidehi D/o Shri Dilip Tandel (BKC Branch) & Smt. Sujata Tandel (Goregaon West Branch) Doctorate in Economics (Ph.D./ Arts) University of Mumbai.

Gayalal Majhi Senior Manager Human Resource Dept. Head Office Passed JAIIB & CAIIB

Miss Surbhi Kulkarni Staff Clerk, Raigad Zone, Bronze Medal in semi classical vocal category. 5th Global Cultural Olympiad of Performing Arts 2015 held at Bangkok - Thailand.

Devendra S/o Shri Smita Satish Bilaye Tamtalao Branch M.E. (Microelectronics) Birla Institute of Technology & Science Pilani (Rajasthan)

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M. Tech (Electronics & Communication Engineering) Shraddha D/o Pratibha V Prabhu Malad (W) Branch, MNZ Photography Silhoutte Comptition 2nd Prize Sanchet Institute College of Physiotherapy, Pune.

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Master Manoj Nath S/o Dy. Comdt.(R). S G Nath, Manager, Security Dept., Zonal Office, Bhopal competed in Emprasario-2016, conducted by IIT Kharagpur at IIT Kharagpur and won the award of “The Most Promising Young Entrepreneur of Emprasario -2016.

Arpit S/o Shri Poonam Jalan, Industrial Area Branch Jodhpur. Selected as Software Engineer for Discourse (San Francisco, USA based software company) With a Salary of US $36000 (approx ` 24 lacs) annually. B RAMKUMAR S/o Shri N Balasubramanian, Senior Manager, Chennai Large Corporate Branch, Chennai. Cleared GATE 2015 (All India Rank 1692) Selected for PHD Programme in Centre For Nano Science & Engineering at Indian Institute of Science, Bangalore.

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Paintings by Siddharth Kumar Agra Zone