Taarangan December 2016 by Sartaj Mohd Shakeel

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2016

Bank of India’s Quarterly House Journal December 2016

Demonetization

Most Challenging task in recent times...

sPECIAL EDITION

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CONTENT

ABCI

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Volume: December 2016

24 09 yeQkeÀ Dee@]HeÀ Fbef[³ee keÀer efleceener ie=nHeef$ekeÀe efomebyej

2016

Bank of India’s Quarterly House Journal December 2016

Demonetization

MOST CHALLENGING TASK IN RECENT TIMES...

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SPECIAL EDITION

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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Taarangan

December, 2016

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Dear Colleagues,

am delighted to communicate with you all through our Quarterly in-house Journal 'Taarangan'. 2. First of all let me compliment each one of you for your valued contribution in our Bank posting a net profit of ` 102 cr. for the quarter ended December 2016 in challenging circumstances. The bond markets were conducive for booking profits and this greatly helped in our Bank's final profit numbers for the quarter. While the coming quarters will be equally challenging, I am sure that with your unstinted support and commitment, our Bank will take on these challenges head on. 3. Bank of India is a 110 year old Bank with a strong brand image as reflected through various surveys and is recognized by the market as India's leading banking institution. I am happy to share with you that Bank of India on 25th January, 2017 has been ranked by an ET Survey as the 2nd Most Trusted Bank in the PSU Banks category and 8th amongst all Service sector companies in our great nation. 4. On 8th November 2016, the Government of India announced demonetisation of old ` 500 and ` 1000 currency notes (SBNs), which comprised nearly 86% of all the cash in circulation. Entire banking system rose to the occasion and responded to the challenge of demonetisation and remonetisation in a missionmode. We did the evacuation, recalibration and replenishment of ATMs in a time-bound manner. Our Bank's employees worked tirelessly overtime beyond the call of duty to serve the populace at large and to ease out initial inconveniences. My compliments to Team Bank of India. I salute your efforts.

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5. As a natural consequence of demonetisation, liquidity in the banking system improved. With increased access to cheaper funds, banks were in a position to cut lending rates. Post demonetisation, consumers have now access to cheaper loans. Notwithstanding the initial challenges, demonetisation has the potential to generate sustainable benefits in terms of increased digitalization of the economy, step up in financial savings and improve revenue generation by better tax compliance and benefits to the society at large. Our great nation is poised for a higher growth trajectory and all of this will lead to better business opportunities in future. 6. One of the medium term objectives of demonetisation was to create a cash-lite economy. Being a pioneer in adopting alternate delivery channels, Bank of India has recently introduced and fine-tuned a slew of products for Digital India like, NFC enabled POS, mPOS (mobile POS), USSD based payments through BHIM and Chillr, co- branded White Label ATMs, Lead Management System (LMS), etc. 7. The three pronged business strategy for transformation of the Bank will need to be implemented with greater vigour. As you are aware, this strategy encompasses NPA Management, Augmentation of CASA and Rebalancing of Advances in favour of retail portfolio. This strategy was christened as STAR MISSION ONE. In fact, at that time, i.e. in November 2015 when I had conveyed this strategy to you, I had mentioned that the strategy would start bearing fruit in FY 2018, i.e. after 18 to 24 months. I am happy to mention that the first green shoots arising out of this strategy are clearly discernable. We will continue to follow Star Mission One towards achievement of our business goals. At the same time, we need to focus on Compliance, Customer Service including ensuring faster turnaround time and streamlining processes and systems which will need to be increasingly IT driven. 8. Our quarterly In-house Journal 'Taarangan' is Voice of our Bank. Demonetisation is undoubtedly one of the biggest event of last quarter. This experience has made us stronger. I am happy that this edition of Taarangan is carrying success stories of our efforts during demonetization. In the coming months we need to step up our efforts in digitization, financial inclusion and actively implement the schemes introduced by our Hon'ble Prime Minister in this regard. 9. I request you to read the articles in this edition and share your thoughts and views among our customers and stakeholders. With warm regards, Yours Sincerely Melwyn Rego

Taarangan

December, 2016

¬¸¿œ¸¸™ˆÅú¡¸ / EDITORIAL ¢œÏ¡¸ œ¸¸“ˆÅ¸Ê, ¨¸ÄœÏ˜¸Ÿ¸, ‚¸œ¸ˆÅ¸½ ‡¨¸¿ ‚¸œ¸ˆ½Å œ¸¢£¨¸¸£ ˆÅ¸½ ›¸¨¸¨¸«¸Ä 2017 í½÷¸º í¸¢™ÄˆÅ Ÿ¸¿Š¸¥¸ˆÅ¸Ÿ¸›¸¸‡¿— `÷¸¸£¸¿Š¸µ¸' ˆÅ¸½ ¢›¸£¿÷¸£ ž¸£œ¸»£ ¬›¸½í, ¬¸Ÿ¸˜¸Ä›¸, ¡¸¸½Š¸™¸›¸ ‚¸¾£ œÏ¢÷¸¢ÇÅ¡¸¸‡¿ ™½›¸½ ˆ½Å ¢¥¸‡ íŸ¸ ‡ˆÅ ¤¸¸£ œ¸º›¸À ‚¸œ¸ ¬¸ž¸ú ˆÅ¸ š¸›¡¸¨¸¸™ ˆÅ£÷¸½ íÿ ¢ ¸¬¸ˆ½Å ˆÅ¸£µ¸ íŸ¸ Š¸¼íœ¸¢°¸ˆÅ¸ ˆÅ¸½ ›¸ƒÄ …¿ ¸¸ƒ¡¸¸Ê œ¸£ ¥¸½ ¸¸›¸½ Ÿ¸½¿ ¬¸œ¸€¥¸ íº‡— ¨¸«¸Ä 2016 Ÿ¸Ê íŸ¸¸£ú Š¸¼íœ¸¢°¸ˆÅ¸ ›¸½ £¸«’ïú¡¸ ‚¸¾£ ‚¿÷¸£¸Ä«’ïú¡¸ ¬÷¸£ œ¸£ ¬¸ûÅ¥¸÷¸¸ œÏ¸œ÷¸ ˆÅú— íŸ¸Ê ¢¬¸¿Š¸¸œ¸º£ ‚¸¾£ ™º¤¸ƒÄ Ÿ¸Ê `¬¸¨¸Äª½«“ Š¸¼íœ¸¢°¸ˆÅ¸' ˆ½Å ™¸½ ‚¿÷¸£¸Ä«’ïú¡¸ œ¸º£¬ˆÅ¸£ ‚¸¾£ ˆÅƒÄ œÏ¢÷¸¦«“÷¸ ¬¸¿Š¸“›¸¸Ê ¬¸½ £¸«’ïú¡¸ ¬÷¸£ œ¸£ 13 œ¸º£¬ˆÅ¸£ œÏ¸œ÷¸ íº‡ ¢ ¸¬¸Ÿ¸Ê ‡¤¸ú¬¸ú‚¸ƒÄ ×¸£¸ ` ¸¾¢Ÿœ¸¡¸›¸ ‚¸ÁûÅ ¸¾¢Ÿœ¸¡¸›¬¸' ª½µ¸ú ˆÅ¸ ‡ˆÅ œÏ¢÷¸¦«“÷¸ œ¸º£¬ˆÅ¸£ ž¸ú ©¸¸¢Ÿ¸¥¸ í¾— Ÿ¸ÿ ƒ›¸ „œ¸¥¸¦¤š¸¡¸¸Ê ˆÅ¸ ª½¡¸ íŸ¸¸£½ „ ¸ œÏ¤¸¿š¸›¸, ¬¸¿œ¸¸™ˆÅú¡¸ ¤¸¸½”Ä ˆ½Å ¬¸™¬¡¸¸Ê, ’úŸ¸ ¤¸ú‚¸½‚¸ƒÄ (¬¸½¨¸¸¢›¸¨¸¼î¸ ˆÅŸ¸Ä ¸¸¢£¡¸¸Ê ¬¸¢í÷¸) ‚¸¾£ ÷¸¸£¸¿Š¸µ¸ ˆ½Å ¬¸ºš¸ú œ¸¸“ˆÅ¸Ê ˆÅ¸½ ™½÷¸¸ í»¿ ‚¸¾£ ¡¸í ¬¸Ÿ¸¬÷¸ œ¸º£¬ˆÅ¸£ „›íÊ ¬¸Ÿ¸¢œ¸Ä÷¸ ˆÅ£÷¸¸ í»¿— ‚¸œ¸ˆ½Å ¬¸í¡¸¸½Š¸ ¬¸½ „÷ˆ¼Å«’÷¸¸ ˆÅú ‚¸½£ íŸ¸¸£¸ œÏ¡¸¸¬¸ ž¸¢¨¸«¡¸ Ÿ¸Ê ž¸ú ¸¸£ú £í½Š¸¸— ¢¨¸Ÿ¸ºÍúˆÅ£µ¸ ¸¾¬¸½ ¤¸”õ½ ¢›¸µ¸Ä¡¸ ›¸½ ˆÅ¸¡¸Ä ˆ½Å œÏ¢÷¸ íŸ¸¸£ú œÏ¢÷¸¤¸Ö÷¸¸, ®¸Ÿ¸÷¸¸ ‚¸¾£ š¸¾¡¸Ä ˆÅ¸½ ¸º›¸¸¾÷¸ú ™ú— íŸ¸¸£½ ‚¸¬¸œ¸¸¬¸ ˆÅƒÄ ‚›¡¸ ˆÅ¢“›¸¸ƒ¡¸¸Ê ˆ½Å ¬¸¸˜¸ ˆÅ¸Ÿ¸ ˆÅ¸ ™¤¸¸¨¸ ‚œ¸›¸½ ¸£Ÿ¸ œ¸£ ˜¸¸; íŸ¸›¸½ ˆÅ¢“›¸ ÷¸œ¸ ¢ˆÅ¡¸¸ ‚¸¾£ ¢¨¸ ¸½÷¸¸ ˆ½Å ³ œ¸ Ÿ¸Ê „ž¸£½— ƒ¬¸ œÏ¢ÇÅ¡¸¸ ›¸½ íŸ¸Ê ‚¤¸ ÷¸ˆÅ ˆÅ¸ ¬¸¤¸¬¸½ ¤¸”õ¸ ‚›¸ºž¸¨¸ ˆÅ£¸¡¸¸ ‚¸¾£ íŸ¸¸£½ ¢¨¸æ¸¸¬¸ ˆÅ¸½ Ÿ¸ ¸¤¸»÷¸ ¢ˆÅ¡¸¸ ¢ˆÅ ¢Ÿ¸¥¸ˆÅ£ íŸ¸ ˆºÅŽ ž¸ú ˆÅ£ ¬¸ˆÅ÷¸½ íÿ— ¡¸í Ÿ¸º ¸½ ‡ˆÅ ˆÅí¸›¸ú ˆÅú ¡¸¸™ ¢™¥¸¸÷¸¸ í¾ ¸¸½ Ÿ¸ÿ ‚¸œ¸ˆ½Å ¬¸¸˜¸ ¬¸¸ ¸¸ ˆÅ£›¸¸ ¸¸í»¿Š¸¸— ¤¸íº÷¸ ¬¸Ÿ¸¡¸ œ¸í¥¸½, ‡ˆÅ Ÿ¸í¸›¸ ¡¸¸½Ö¸ ˆÅ¸½ ‡½¬¸½ í¸¥¸¸÷¸ ˆÅ¸ ¬¸¸Ÿ¸›¸¸ ˆÅ£›¸¸ œ¸”õ¸ ¢ ¸¬¸Ÿ¸Ê „¬¸½ ¡¸ºÖ Ÿ¸Ê ¬¸ûÅ¥¸÷¸¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¤¸”õ¸ û¾Å¬¸¥¸¸ ¥¸½›¸¸ ˜¸¸— „¬¸½ ‚œ¸›¸ú ¬¸½›¸¸ ‡ˆÅ ‡½¬¸½ ©¸¢Æ÷¸©¸¸¥¸ú ™º©Ÿ¸›¸ ˆ½Å ¢‰¸¥¸¸ûÅ ž¸½ ¸›¸ú ˜¸ú ¢ ¸¬¸ˆÅú ¬¸½›¸¸ „¬¸¬¸½ ˆÅ¸ûÅú ¤¸”õú ˜¸ú— „¬¸›¸½ ‚œ¸›¸ú ¬¸½›¸¸ ˆÅ¸½ ›¸¸¨¸ Ÿ¸Ê ¢¤¸“¸¡¸¸ ‚¸¾£ ™º©Ÿ¸›¸ ™½©¸ ˆÅú ž¸»¢Ÿ¸ œ¸£ œ¸íº¿ ¸ Š¸¡¸¸— ¨¸í¸¿ œ¸íº¿ ¸›¸½ œ¸£ „¬¸›¸½ ‚œ¸›¸ú ¬¸½›¸¸ ‚¸¾£ ©¸¬°¸ ˆÅ¸½ ›¸ú ¸½ „÷¸¸£¸— „¬¸ˆ½Å ¤¸¸™ „¬¸›¸½ ¬¸ž¸ú ›¸¸¨¸¸Ê ˆÅ¸½ ¤¸Ÿ¸ ¬¸½ „”õ¸›¸½ ˆÅ¸ ‚¸™½©¸ ¢™¡¸¸— ¡¸ºÖ œ¸£ ¸¸›¸½ ¬¸½ œ¸»¨¸Ä ‚œ¸›¸½ ¬¸¾¢›¸ˆÅ¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ „¬¸›¸½ ˆÅí¸, ‚¸œ¸›¸½ ¬¸ž¸ú ›¸¸¨¸¸Ê ˆÅ¸½ š¨¸¬˜¸ í¸½÷¸½ íº‡ ™½‰¸¸— ƒ¬¸ˆÅ¸ Ÿ¸÷¸¥¸¤¸ í¾ ¢ˆÅ ‚¤¸ íŸ¸¸£½ œ¸¸¬¸ ˆÅ¸½ƒÄ ¢¨¸ˆÅ¥œ¸ ›¸íú¿ í¾— íŸ¸ ÷¸ž¸ú ¢ ¸›™¸ ¨¸¸œ¸¬¸ ¸¸ ¬¸ˆÅ÷¸½ íÿ ¸¤¸ íŸ¸ ‚œ¸›¸½ ™º©Ÿ¸›¸¸Ê ˆÅ¸½ œ¸»£ú ÷¸£í ¬¸½ í£¸ ™Ê— íŸ¸ ¡¸¸ ÷¸¸½ ¸ú÷¸½¿Š¸Ê ¡¸¸ Ÿ¸£ ¸¸‡¿Š¸Ê— ¨¸½ ¥¸”õ½ ‚¸¾£ ¸ú÷¸ Š¸‡— íŸ¸ ¬¸ž¸ú ˆÅ¸½ ¢¨¸Ÿ¸ºÍúˆÅ£µ¸ ˆ½Å ™¸¾£¸›¸ ˆºÅŽ ‚ Ž½ ‚¸¾£ ˆÅ”õ¨¸½ ‚›¸ºž¸¨¸ íº‡ í¸ÊŠ¸½ ¥¸½¢ˆÅ›¸ œ¸£Ÿ¸ ¬¸÷¡¸ ¡¸í í¾ ¢ˆÅ íŸ¸›¸½ ¸ú÷¸ í¸¢¬¸¥¸ ˆÅú— ‚¸œ¸ˆ½Å í¸˜¸ Ÿ¸Ê ¡¸í ¬¸¿¬ˆÅ£µ¸ ¢¨¸Ÿ¸ºÍúˆÅ£µ¸ ˆ½Å ™¸¾£¸›¸ ¢ˆÅ‡ Š¸‡ íŸ¸¸£½ ¬¸¿¡¸ºÆ÷¸ œÏ¡¸¸¬¸¸Ê ˆÅ¸ œÏ¢÷¸¢¤¸¿¤¸ í¾— íŸ¸ ƒ¬¸ ‚¿ˆÅ í½÷¸º ¬¸í¡¸¸½Š¸ ˆÅ£›¸½ ¨¸¸¥¸½ ‚¿ ¸¥¸¸Ê / ©¸¸‰¸¸‚¸Ê ˆ½Å ‚¸ž¸¸£ú íÿ ¢ ¸›í¸Ê›¸½ ‚œ¸›¸½ ‚›¸ºž¸¨¸, ûÅ¸½’¸½ŠÏ¸ûÅ ‚¸¾£ ±¸¸›¸¨¸ÖÄˆÅ ‚¸¥¸½‰¸¸Ê ˆÅ¸½ ¬¸¸ ¸¸ ¢ˆÅ¡¸¸ ¸¸½ ‚¤¸ íŸ¸¸£½ Š¸¸¾£¨¸©¸¸¥¸ú ƒ¢÷¸í¸¬¸ ˆÅ¸ ¢í¬¬¸¸ ¤¸›¸ Š¸‡ íÿ— ‡ˆÅ ¤¸¸£ œ¸º›¸À ‚¸œ¸ˆÅ¸½ ¤¸íº÷¸ š¸›¡¸¨¸¸™— œ¸ õ›¸½ ˆÅ¸ ‚¸›¸¿™ ¥¸Ê ‚¸¾£ ‚œ¸›¸ú œÏ¢÷¸¢ÇÅ¡¸¸‡¿ íŸ¸Ê HeadOffice.Taarangan@bankofindia.co.in œ¸£ ¢ž¸ ¸¨¸¸‡¿—

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Dear Readers, t the outset, let me take this opportunity to wish you and your families a very happy and prosperous New Year 2017. Once again, we are thankful to you for showering your continuous love, support, contributions and feedbacks to ‘Taarangan’ which helped us to take our In-House Journal to newer heights. The year 2016 witnessed success of our In-House Journal at National and International level. We received two International Awards of ‘Best In-House Magazine’ at Singapore and Dubai and 13 awards at National Level from various reputed organizations along with one prestigious award of ‘Champions of Champion’ by ABCI. I sincerely dedicate these achievements to ever supportive Top Management, Editorial Board Members, Team BOI (including retired staff) and eminent readers of Taarangan. With your blessings our quest for excellence will continue in future also. The decision of demonetization challenged our commitment and patience. The pressure of work was at its peak with lots of other difficulties around us; we performed and emerged as winners. The process left us with great experience of all time and make us believe that together we can. It also reminds me of a story which I would like to share with you. A long while ago, a great warrior faced a situation in which he had to make a decision that ensured his success on the battlefield. He was about to send his armies against a powerful foe whose men outnumbered his. He loaded his soldiers into boats, sailed to the enemy’s country and unloaded the soldiers and equipment. Then he gave the order to bomb their own ships that had carried them. Addressing his men before the first battle, he said, ‘‘You see the boats going up in smoke. That means we cannot leave these shores alive unless we win ! We now have no choice - We win or we perish’’. They fought and won. We all have some good and bad experiences of demonetization process but the ultimate truth is WE WON. The edition in your hands is the reflection of our joint efforts we put together during demonetization process. We are also thankful to contributing Zones/Branches for sharing their experiences, photographs and thought provoking articles which have now become part of our glorious History. Once again thank you very much. Enjoy reading and send your feedbacks at HeadOffice. Taarangan@bankofindia.co.in

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

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efomebyej, 2016

elevation / welcome

Hearty Welcome Shri Damodharan Neelam

Shri Atanu Kumar Das

(From 16.02.2017)

(From 17.02.2017)

Executive Director

Shri Damodharan Neelam, has taken over charge as Executive Director of Bank of India on 16th February, 2017. Prior to his elevation as Executive Director of Bank of India, he was Chief Executive, US Operations, Bank of Baroda. Shri Damodharan is a Science graduate, CAIIB and Diploma holder in Financial Management. He joined Bank of Baroda as Direct Recruit Officer in the Year 1983 and rose to the position of General Manager, overseeing International operations and in-charge of international projects. He has been a part of several important positions at foreign centers of Bank of Baroda. He has 34 years of banking experience which involves both policy and operational exposure at various levels.

Elevation

Shri A. K. Das, is a post graduate in Applied Economics and NET holder from UGC. While pursuing a doctoral degree at IIT, Kharagpur, Shri Das joined the Banking Industry as Economist in the year 1994. In his 23 years of banking experience, he has been involved at both policy and operational levels. Prior to assuming charge as Delhi Regional Head in January 2015, he was heading Vijaya Bank's Lucknow Region for more than 3 years. While at a Vijaya Bank's Corporate Office, Shri Das has handled key Departments as Planning & Development & also was posted as Executive Secretary to C&MD for more than 2 years. He has been part of several important training programs/workshops conducted at premier institutions like IIM (Kozhikode), IIM (Ahmedabad), ASCI, NIBM, BTC and Frankfurt School of Business Management.

Hearty Congratulations

New GENERAL MANAGERS

Shri Ravinder P Marathe

elevated as MD & CEO of Bank of Maharashtra

Hearty Thanks

Shri Sudhakar N Kaimal

Shri Shanker Iyer

Shri Manoj Kapoor

Shri Viswanath Gunta Shri Adarsh Kumar Arora Shri Salil Kumar Swain Shri B V Upadhye, General Manager and Member of the Editorial Board of Taarangan retired on 31st December, 2016.

Shri R K Sinha, General Manager and Member of the Editorial Board of Taarangan retired on 31st January 2017.

Our heartfelt thanks to both members for giving their valuable guidance and support to our In-House Journal `Taarangan'. Our journal won many laurels during their tenure. We wish them a very healthy and peaceful retired life.

Shri J S Ravi Kumar

Shri Swarup Dasgupta

Shri J K Srivastava

Note : Promotions from Oct 2016-March 2017.

Taarangan

December, 2016

‰¸¸¬¸-‰¸¸¬¸/Khas-Khas

(L to R) GM Shri R P Gupta, Shri Sushil Kumar Kasliwal, MD & CEO Shri Melwyn Rego, Chairman Shri G Padmanabhan, the then GM (IT) Shri Buchi Babu Burra, Officer (IT) Ms. Piyusha Kumari, CM Shri Kaushik D Barai, GM (ITES) Shri Shyam Sunder Banik, GM (Retail) Shri Sudhakar T, GM (HR) Shri Mrityunjay Gupta, GM Shri Sheoji Ram Meena at the Launch of “Chillr” APP. at Head Office.

¥¸‰¸›¸… ‚¿ ¸¥¸ ‚¸Š¸Ÿ¸›¸ œ¸£ ‚¸¡¸¸½¢ ¸÷¸ ¤¸¾“ˆÅ Ÿ¸Ê ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú („î¸£-II) ªú ¤¸ú ˆ½Å Ÿ¸¸½í¦›÷¸— ¬¸¸˜¸ Ÿ¸Ê „œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ¬¸º¥¸‰¸›¸ ¢¬¸¿í—

ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¢›¸™½©¸ˆÅ ªú ‚¸£ ‡ ©¸¿ˆÅ£ ›¸¸£¸¡¸µ¸›¸ ˆÅ¸ ¥¸‰¸›¸… ‚¸¿ ¸¢¥¸ˆÅ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê ‚¸Š¸Ÿ¸›¸— ¬¸¸˜¸ Ÿ¸Ê Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú („î¸£-II) ªú ¤¸ú ˆ½Å Ÿ¸¸½í¸¦›÷¸, ‚¸¿.œÏ. ªú ‡Ÿ¸ ‡›¸ ‡ ‚¿¬¸¸£ú, „œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ¬¸º¥¸‰¸›¸ ¢¬¸¿í—

¥¸‰¸›¸… ‚¿ ¸¥¸ ™¸¾£½ ˆ½Å ™¸¾£¸›¸ ¬’¸£ œÏ¸¿Š¸µ¸ œ¥¸¸’ ˆÅ¸ ¢›¸£ú®¸µ¸ ˆÅ£÷¸½ íº‡ ˆÅ¸.¢›¸. ªú ‚¸£ ‡ ©¸¿ˆÅ£ ›¸¸£¸¡¸µ¸›¸— ¬¸¸˜¸ Ÿ¸Ê Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú („î¸£-II) ªú ¤¸ú ˆ½Å Ÿ¸¸½í¸¦›÷¸, ‚¸¿.œÏ. ªú ‡Ÿ¸ ‡›¸ ‡ ‚¿¬¸¸£ú, „œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ¬¸º¥¸‰¸›¸ ¢¬¸¿í—

‚íŸ¸™¸¤¸¸™ ‚¿ ¸¥¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸¿ ¸¨¸’ú ¦¬˜¸÷¸ `¬’¸£ Š¸¾¥¸½Æ¬¸ú' - ¤¸ú‚¸½‚¸ƒÄ ‚¢š¸ˆÅ¸£ú É¥¸¾’ ˆ½Å „™‹¸¸’›¸ ˆ½Å ‚¨¸¬¸£ œ¸£ ˆÅ¸.¢›¸. ªú ‚¸£ ‡ ©¸¿ˆÅ£ ›¸¸£¸¡¸µ¸›¸, Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (Ÿ¸š¡¸) ªú ‚¸£ ˆ½Å ¢Ÿ¸°¸¸, ‚¸¿.œÏ. ªú œ¸£©¸º£¸Ÿ¸ œ¸¿”¸, ‡›¸¤¸ú ¸ú „œ¸ Ÿ¸.œÏ. ªú ”ú ‡¬¸ ©¸½‰¸¸¨¸÷¸ ‚¸¾£ „œ¸ ‚¸¿.œÏ. ªú ‚¢Ÿ¸÷¸¸ž¸ ¤¸¾›¸ ¸úÄ—

The committee on subordinate legislation – Rajya Sabha visited Chennai for the assessment of implementation of KYC directions, 2016 and PML (maintenance of records) rules 2005 – investigation of high quality counterfeit Indian currency offence rules, 2013 in the banks. GM NBG (S) Shri Kulbhushan Jain welcomed the Chairman Shri Subba Rami Reddy. ZM Shri K Raghuraman was also present in the meeting. Shri Jain is seen replying to the queries on KYC/AML.

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efomebyej, 2016

œ¸º£¬ˆÅ¸£ /awards ‡¢©¸¡¸›¸ ˆ¿Åœ¸€”ï½©¸›¸ ‚¸ÁûÅ ¢¤¸ ¸›¸½¬¸ ×¸£¸ ÷¸¸£¸¿Š¸µ¸ ˆÅ¸½ ¬¸¨¸¸½Ä÷ˆ¼Å«’ Š¸¼íœ¸¢°¸ˆÅ¸ ˆÅ¸ `‚¿÷¸££¸«’ïú¡¸ œ¸º£¬ˆÅ¸£'

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™º¤¸ƒÄ Ÿ¸½¿ ‡¢©¸¡¸›¸ ˆ¿Åœ¸€”ï½©¸›¸ ‚¸ÁûÅ ¢¤¸ ¸›¸½¬¸ ×¸£¸ ‚¸¡¸¸½¢ ¸÷¸ ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸½¿ œ¸º£¬ˆÅ¸£ ŠÏíµ¸ ˆÅ£÷¸½ íº‡ œÏŸ¸º‰¸ œÏ¢÷¸¢›¸¢š¸ ™º¤¸ƒÄ ªú Š¸ºœ÷¸½£¸Ÿ¸ ›¸¸ƒÄˆÅ ‡¨¸¿ ªú ‚ž¸¡¸ ¸¸—

ˆÅ¸½¥¸ˆÅ¸÷¸¸ Ÿ¸½¿ ‚¸¡¸¸½¢ ¸÷¸ œ¸ú‚¸£¬¸ú‚¸ƒÄ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸½¿ Ÿ¸¸›¸›¸ú¡¸ ¬¸¸¿¬¸™ (£¸ ¡¸¬¸ž¸¸) ªú ¸¿Í›¸ ¢Ÿ¸°¸¸ ¬¸½ œ¸º£¬ˆÅ¸£ ŠÏíµ¸ ˆÅ£÷¸½ íº‡ Ÿ¸. œÏ. ªú ‡¬¸ ˆ½Å ‚ŠÏ¨¸¸¥¸, ¬¸¿œ¸¸™ˆÅ ªú ¬¸£÷¸¸ ¸ Ÿ¸¸½. ©¸ˆÅú¥¸ ‡¨¸¿ ‚¸¿.œÏ. ªúŸ¸÷¸ú ¢¤¸›¸¸÷¸¸ ¬¸½›¸ Š¸ºœ÷¸¸—

Narmada Jhabua Gramin Bank has been conferred with Atal Pension Yojana Formation Day Award – 2016 for best performing Bank. Chairman Narmada Jhabua Gramin Bank Shri Kollegal V Raghavendra receiving award at the hands of Shri Hemant G. Contractor, Chairman, PFRDA APY conference held at India Habitate Centre, New Delhi.

Gramin Bank of Aryavart has been conferred with Skoch's Highest Independent Honour through "Platinum Award" Pan India in Banking Industry under "Inclusive Insurance" i.e Insurance through Financial Inclusion at a function held at Hyderabad. Chairman, GBA Shri Ravi Kumar J S receiving the award.

to General Ma nagers

• Shri Arvind Kumar Sahu • Shri Nikhlesh Bhargava • Shri Jain Bhushan • Shri Prakash Kashinath Vartak • Shri Burra Butchi Babu • Shri Amitabh Rastogi • Shri Varadachari Kumar

Taarangan

December, 2016

GUJARAT DIARY

Demonetization NBG - Central Ahmedabad

BOI staff all over India really needs salutations since they have and are working longer periods with tiredness visible on them. It is rightly said that Banks are the backbone of the national economy. Next to Army, Bank staff did their best service to minimize the stress of anguished public in times of demonetization. 10

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he media was full of reports about serpentine queues outside Banks. It was really a mammoth task for the Bank staff which was not at all as easy job to replace the banned currency in huge quantities. This was an unprecedented phenomenon and the ever toughest task BOI staff were doing and has never happened in the Indian history. When there has been absolute chaos all over the country since the announcement of demonetization of `500 and `1,000 currency notes, BOI fraternity really deserves KUDOS for commendable work done. All praise for the BOI Staff for working from morning to till late hours for the benefit of customers in the exchange of high denominations, collection of deposits and other regular banking transactions. In our Bank branches those who sit late to complete the day’s work or attending to a special assignment are unfairly branded as ‘slow, lazy, inefficient and technologically obsolete but now the public realized that bank employees job is a very tough one as they are handling different types of customers. In almost all the Zones by and large, it seemed like people faced difficulties, but with patience. Our BOI staff, who

Vinod C Dixit

efomebyej, 2016

have been called upon to undertake this gigantic task at short notice, have risen to the occasion without complaining. All Bank managers have aided senior citizens and worked during the weekends. When I asked the public about the support from Bank, a word must be said about the bank employees because of whom exchanges had gone on smoothly in almost all the places. The policemen who were posted at most of the branches did an excellent job of managing the crowds. In some branches, shamianas have been put up to guard people against the sun. Some people even offered drinking water, buttermilk, biscuits and toffees! I asked one customer standing in the queue in our Ahmedabad (Main) Br that they will get their money exchanged but it will take little time. The customer replied that “People stand in queue for hours to have darshan & have their greedy demands /prayers. People line up in queue overnight to get the tickets for seeing their favourite stars film on release.

¢¨¸Ÿ¸ºÍúˆÅ£µ¸ /demonetization People stand in queue for getting cricket match tickets .When Govt is taking such steps for national cause, we don't grudge, if we are to stand for a few hours for a national cause.” Our GM Shri R K Mitra received calls from many branches. For instance, one customer from our Paldi Br told “I had gone to your Paldi branch to exchange my old notes. The exchange was over in ten minutes thanks to a separate queue for senior citizens.” Our Hon’ble PM Modi revealed his statesmanship while appreciating the services of the bank employees. Hats off to our PM for thanking all banks employees for going the extra mile to ensure that the implementation of the demonetization scheme was on track. PM has publicly thanked all the bank employees and stated that the amount of work which bank employees normally have to put in over a year, they have worked more than that in the last one week alone. BOI staff have always stood like a rock and supported the Government move and made the Government scheme successful in its drive. Though in many our branches having only two or three cash counters, few cash counting machines, UV Lamps, note sorting machines, and machines for detecting counterfeit notes etc all staff managed things very smoothly. The average waiting time in queues varied from 20 minutes to one hour depending upon the rush and type of transaction. Depositing money took lesser time than exchanging them. Bank officials across the nation have given their best to ensure a smooth transition. Right from the day after the announcement, the BOI officials have been putting in extra hours every day to try and conduct as many transactions as possible. People’s perception of the whole situation seemed to be limited to the chaos and queues outside the banks.

Our entire staff all over India not only worked overtime but have sacrificed their weekends and holidays, family time and sleep. It seems ensuring the comfort of the general public has become the centre of their lives. On having taken feedback from all the Zones of our NBG-Central, it was reported that there were many branches that did not close before 12 am. Because of the rush for the few days, it had become difficult for our staff to grab a bite in between work. There were customers who were quite angry about the rules and sometimes they misdirect the anger at our BOI staff but all our staff tried very hard to satisfy them. Despite the inconvenience caused, many of our bank officials took extra efforts in good spirit. When, I asked one of my colleagues, he laughed a n d

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said “We are all adjusting, what else we can do? This is our work and we are doing it. If our efforts will add up to a greater cause, we don’t mind.” One Senior citizen standing in queue said “BOI bank employees has always risen to the occasion and by and large have been doing a really commendable job under difficult circumstances.” Many of our retired staff came forward to offer their services in most of our branches they were formerly employed to deal with the unprecedented rush for exchange of invalid currency notes and ease pressure on existing staff.

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They are standing in the queue since early morning. Some spaces in the row are occupied by individuals and some spaces are being owned by bricks under which a small piece of paper shows the name of the person who owns the brick and so the space.

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BEAUTYof

hey are standing in the queue since early morning. Some spaces in the row are occupied by individuals and some spaces are being owned by bricks under which a small piece of paper shows the name of the person who owns the brick and so the space. Here, persons and bricks respect each other’s honesty and integrity and maintain the line calmly everyday for three to four hours for last one month without any dispute (except one or two small incidents). They have come from villages surrounding the branch to withdraw cash for their day-to-day requirement and wait with patience for the bank to open at its schedule time at 10.00 o’clock. ‘‘Chalo, Bank ka doctor ayagayee” – a comment comes flying from the last section of the row as the lady manager tries to manage her path to reach the entrance gate through the crowd. As she looks back and offers a smile, it becomes contagious and reaches upto the last person of the row. However, the smile becomes gorgeous when it touches the face of a 79 years old lady who comes almost after 2-3 days to withdraw few currencies. She stays alone in the nearby village, makes her own livelihood, denies anyone’s offer to represent her in the long queue and never forgets to put ‘Kajal’ on her eyes. The lady manager wonders how a face could be so beautiful with so many wrinkles. ‘Today you have to give me around `50,000/as just after five days my daughter’s marriage is there and I have to get the ornaments from the goldsmith today itself. Please help me’- the grey haired, retired teacher Mr. Anil Baran as helpless the branch manager. She has already distributed tokens among the customers with maximum permissible withdrawal limit of `10,000/-. Since the branch is facing acute currency shortage, the numbers of customers to be entertained with fixed withdrawal limit are being decided

DEMONETIZATION

at the time of commencing of business and now where from she would get this `50,000/- for Mr. Anil Baran. He is insisting to get the same on today itself. ‘Sir, any problem?” - Altaf was standing in the queue before the cash counter holding the token in his hands as if owned a “medal” and now has entered into the manager’s cabin noticing his old days’ teacher’s helpless face. ‘Oh Altaf, I am really in trouble. My daughter’s marriage is just after few days and bank is not able to pay me even `50,000/-. See the irony, I am begging for my money’ – a father’s irritation is at its high. Altaf looks at the poor face of his ‘‘once upon a time” teacher and then on the poorer face of the manager. He goes out just to come back with another two persons accompanying him. The branch manager knows these two persons very well. They are Tapan and Ramu. Like Altaf, they are also small time farmers and came to her yesterday for some advances as this is the high time for seeding potato. Manager has kept her promise and allotted them tokens. ‘Madam, here are our tokens, we could study upto 7th - 8th Std. and then started working in the field. Anil Baran Babu was our teacher and today he is in problem. You may give our allotted money to him, we will take on any other day” – Altaf keeps down three tokens on the table. “How will you all manage” - manager wonders. “Don’t worry Madam, we will manage, we are used to financial problem” – Tapan offers a big smile. Manager tries to give back the smile but being unable to do so turns away her face from them. She is scared, they may notice

her tears. “Tanmay, look new ` 2000/- currency. Today only currency chest has sent us three bundles. It looks so beautiful, take one and show your fiancé, she will be highly impressed with you” - excited manager’s advice to her young clerk who is going to marry next month. The ever smiling, ever helping Tanmay (young clerk) takes away his look from the monitor and stare at the pink, fresh, beautiful currency for a while and then shakes his head in negative. -Why, Tanmay ? “I wish it had come one day back ! My would be father-in-law already collected it yesterday from one city branch and shown it to his daughter.” - Tanmay releases a deep sigh. It's just a matter of one day and Tanmay has lost to his would be father-in-law. Manager could feel the pain in his eyes. The branch manager has observed that Tanmay, Vipul, Vikram all employees of the branch would be fighting over the demonetisation issue on the lunch table but once the lunch time is over, they are united again to implement the same smoothly in the branch. After closing the branch, under the moonlight when the manager starts walking towards her home, sometimes she feels like thanking demonetisation for unrevealing so many beautiful, precious qualities of these common, village people of India in front of her.

Ratri Chaudhary Nepakuli Branch Bardhaman Zone

Taarangan

December, 2016

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BOI Efforts at various zones/branches

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Taarangan

December, 2016

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leejebieCe

efomebyej, 2016

¥¸‰¸›¸… ‚¿ ¸¥¸ ˆÅú ¢’ˆ¾Å÷¸Š¸¿ ¸ ’úŸ¸ ›¸½ œ¸¿¢Æ÷¸ Ÿ¸Ê ‰¸”õ½ ŠÏ¸íˆÅ¸Ê í½÷¸º ¸¸¡¸ ˆÅ¸ œÏ¤¸¿š¸ ¢ˆÅ¡¸¸ ‡¨¸¿ ¢’ˆ¾Å÷¸Š¸¿ ¸ ’úŸ¸ ˆ½Å ‚˜¸ˆÅ œÏ¡¸¸¬¸¸Ê ¬¸½ ¬¸¿÷¸º«’ ŠÏ¸íˆÅ¸Ê ›¸½ œ¸º«œ¸ Š¸º Ž ™½ˆÅ£ ¬’¸ûÅ ¬¸™¬¡¸¸Ê ˆÅ¸ š¸›¡¸¨¸¸™ ¢ˆÅ¡¸¸—

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¢¨¸Ÿ¸ºÍúˆÅ£µ¸ /Demonetization £¸¿ ¸ú ‚¿ ¸¥¸

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Ÿ¸¢í¥¸¸ ‚¢š¸ˆÅ¸£ú ˆÅ¸ „÷¬¸¸íú ˆÅ¸¡¸ÄÀ ¥¸¸½í£™Š¸¸ ¢ ¸¥¸¸ ˆ½Å ÷¸í÷¸ ¬¸½›í¸ ©¸¸‰¸¸ Ÿ¸Ê ˆÅ¸¡¸Ä£÷¸ ¬’¸ûÅ ‚¢š¸ˆÅ¸£ú ªúŸ¸÷¸ú Ÿ¸¸š¸¨¸ú ¥¸ˆÅ”õ¸, ¬’¸ûÅ ‚¢š¸ˆÅ¸£ú, ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸ ŠÏ¸Ÿ¸úµ¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¸¥¸œ¸¸›¸ ˆÅ£¸÷¸½ íº‡—

›¸¿¤¸£ ¨¸›¸ ˆÅ¸ ‡í¬¸¸¬¸À ©¡¸¸Ÿ¸¥¸ú ©¸¸‰¸¸ Ÿ¸Ê ¬¸¤¸¬¸½ œ¸í¥¸½ ›¸¸½’ ¤¸™¥¸÷¸ú ‰¸º©¸›¸¬¸ú¤¸ Ÿ¸¢í¥¸¸ ŠÏ¸íˆÅ— ‚¸¿ ¸¢¥¸ˆÅ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆ½Å ¬’¸ûÅ ‚¢š¸ˆÅ¸£ú ‡¨¸¿ ©¡¸¸Ÿ¸¥¸ú ©¸¸‰¸¸ ˆ½Å ‚›¡¸ ‚¢š¸ˆÅ¸£ú ›¸¸½’ ¤¸™¥¸÷¸½ íº‡—

’úŸ¸ ž¸¸¨¸›¸¸ ˆÅ¸ ¬¸º‰¸ À ›¸¸Ÿ¸ˆºÅŸ¸ ©¸¸‰¸¸ ˆÅú ¨¸¢£«“ ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ ªúŸ¸÷¸ú ˆºÅ¬¸ºŸ¸ ˆÅ¸¿¢÷¸ ¬¸¸½‡ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸ ›¸¸½’ ˆÅú ¸¸¿ ¸ ˆÅ£÷¸½ íº‡—

‡›¸¤¸ú ¸ú ( ¸¸ ‡¨¸¿ Ž)

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í ( ¸¸.Ž) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆÅú ©¸¸‰¸¸‚¸Ê Ÿ¸½¿ ŠÏ¸íˆÅ¸Ê ˆÅú ¬¸í¸¡¸÷¸¸

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í ( ¸¸.Ž) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸¢ž¸››¸ ©¸¸‰¸¸‚¸Ê ×¸£¸ ŠÏ¸íˆÅ¸Ê ˆ½Å ¢¥¸‡ ¸¥¸œ¸¸›¸ ¨¡¸¨¸¬˜¸¸ —

Special Initiative (Siliguri Zone) Siliguri Zone took commendable steps in distributing cash to Tea Garden labourers by arranging Cash disbursement camp at different Tea Gardens. It helped to ease the hardship faced by people due to demonetization. Zonal Manager Shri S S Das went from One Tea garden to another to distribute cash at their doorstep thereby easing their pressure of collecting them from the branches. Bank arranged 15 Camps with distribution of 10 Lakhs.

Taarangan

December, 2016

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efomebyej, 2016

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Taarangan

December, 2016

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

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

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Taarangan

December, 2016

emonetization is the act of stripping a currency unit of its status as legal tender. Demonetization is necessary whenever there is a change of national currency. The old unit of currency must be retired and replaced with a new currency unit. The opposite of demonetization is remonetization where a form of payment is restored as legal tender. After the Indian independence, the old British India coins continued to be in use as a frozen currency till 1950, when India became a Republic. The first rupee coins of Republic of India were minted in 1950. Other denomination coins produced were 1/2 rupee, 1/4 rupee, 2 Anna, 1 Anna, 1/2 Anna & 1 paisa coins which are also referred as Anna series or pre-decimal coinage. One rupee was divided into 16 annas or 64 paisa, with each anna therefore equal to 4 paisa. Decimal coinage was introduced in India in 1957. In 2011, coins upto and including 25 paise were discontinued. However 1 paisa is retained as a unit of currency though minting stopped in 1981. There are multiple reasons why nations demonetize their local units of currency. Some reasons include to combat inflation, to combat corruption, and to discourage a cash system. The process of demonetization involves either introducing new notes or coins of the same currency or completely replacing the old currency with new currency. In 2016, the Indian g over nment

decided to demonetize the 500- and 1000-rupee notes, the two biggest denomination notes. These notes accounted for 86% of the country’s cash supply. The government’s goal was to eradicate counterfeit currency, fight tax evasion, eliminate black money gotten from money laundering and terrorist financing activities, and promote a cashless economy. By making the larger denomination notes worthless, individuals and entities with huge sums of black money gotten from parallel cash systems were forced to convert the money at a bank which is by law required to acquire tax information from the entity. If the entity could not provide proof of making any tax payments on the cash, a tax penalty of 200% of the tax owed was imposed. It is interesting to note that Emperor Akbar was the first ruler to demonetize in this country. He forced public in his territories to discard Silver/Gold coinage existing prior to his rule. First Demonetization The first demonetization in our country occurred in 1946. The idea seems to have come from the colonial master Britain where 10 Pound notes were called back: Soon after the World War II, while Government was giving attention to ways and means of averting the expected slump, thought was also given to check black market operations and tax evasion, which were known to have occurred on a considerable scale. Government of India decided on demonetisation of high denomination notes, in January 1946. It is

INDIA'S EXPE F O Y RIM R O EN ST I T H

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interesting that as early as April 7, 1945, in an editorial on the tasks before the new Finance Member, Sir Archibald Rowlands, the Indian Finance referred to the action of the Bank of England in calling in notes of ₤ 10 and higher denominations and suggested similar action in India as 'one more concrete example for the Indian Government to follow in its fight against black market money and tax evasions which have now assumed enormous proportions'. Media has informed us how RBI Governor resisted the second demonetisation in 1978. But interestingly, RBI top brass was not happy with the idea in 1946 as well: The Governor agreed that about 60 per cent of the notes would be in the Indian States and so co-operation of the State Governments was very necessary. Just 40% of notes were in British India. Apparently he had some doubts about this. According to Finance Secretary, the ideal thing was to block high denomination notes, but this course was not favoured by either the Finance Member or the Governor. So, based on whatever inputs the govt came out with 2 ordinances on 12 Jan 1946, which was declared a holiday. People were given 10 days for exchange which meant first helpline ended at 23 Jan. This was later extended to 9 Feb where people had to give explanations on why they could not in first ten days. The outcome? Almost a failure as most of the notes were exchanged and hardly anything got demonetized: The measure did not succeed, as by the end of 1947, out of a total issue of ` 143.97 crores of the high denomination notes, notes of the value of ` 134.9 crores were exchanged. Thus, notes worth only ` 9.07 crores were probably 'demonetised', not having been presented. The results of the demonetisation measure were summed up by Sir Chintaman, in his Dadabhai Naoroji Memorial Prize Fund Lectures, delivered at Bombay in February 1957, as under : • It was really not a revolutionary measure and even its purpose as a minatory and punitive gesture towards black-marketing was not effectively served. • There was no fool-proof administrative method by which a particular note brought by an individual could be proved as the life-savings of the hard-working man who presented it or established as

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knowledge plus the sordid gains of a black-marketer. • Another loophole of which considerable advantage was taken was the exemption of the princely states from scrutiny or questioning when such notes were presented by them. In the end, out of a total issue of ` 143.97 crores, notes of the value of ` 134.9 crores were exchanged up to the end of 1947 as mentioned in the Report of the Board of Directors of the Reserve Bank. Thus, notes worth only ` 9.07 crores were probably ''demonetised'', not having been presented. It was more of ''conversion'', at varying rates of profits and losses than ''demonetisation''. At that time, one did not introduce any new currency and exchanges were made with ` 100 and lower. The success of demonetization then was seen as lower amount of exchange of notes. Second Demonetization - 16 Jan 1978 The Finance Minister H. M. Patel in his budget speech on 28 Feb 1978 remarked that. The demonetisation of high denomination bank notes was a step primarily aimed at controlling illegal transactions. It is a part of a series of measures which Government has taken and is determined to take against anti-social elements. As the FM did not say anything about the success of the exercise, one can almost guess that it did not create much impact like in 1946. Then on 16 Jan 1978, the ordinance was announced via All India Radio at 9 AM. The Ordinance provided that all banks and government treasuries would be closed on 17 January 1978 for transaction of ‘all business except the preparation and presentation or the receipt of returns’ that were needed to be completed in the context of demonetization. For purposes of the Negotiable. Instruments Act, 1881, 17 January 1978 was deemed to be a public holiday notified under the Act. This time public was given even lesser time of 3 days to exchange ` 1000, ` 5000 and ` 10000 notes. After 16 January, notes could be exchanged on tender of the high denomination notes in person by the individuals themselves or by a person competent to act on his/her behalf. They had to tender the notes at the Reserve Bank

or at notified banks in the prescribed format with full particulars giving, among other things, the source or sources from which the notes came into his/her possession and the reasons for keeping the amount in cash. What did RBI Governor say on the matter? Not very different from what earlier Governor opined. Just that this time the Governor added that the exercise was done against predecessor governments! Third Demonetization of 2016 This time on one hand we are taking away old notes of ` 500 and ` 1000 but exchanging them with ` 500 and ` 2000 (with new ` 1000 to come in later). So, it is a straight forward conversion if one looks at just the basics. Though, this time as far more number of people hold ` 500 and ` 1000 and many in unaccounted, it will have to be seen how many are returned. The lesser the conversion more it will become a case of demonetization. This is strange if one looks at it. In 1946, the idea was to demonetize but it became more of a conversion. In 2016, we are calling it demonetization but it is actually conversion. Such “conversion” was done earlier. The Indian government has demonetised bank notes on multiple occasions. In January 1954, banknotes of 100 and 1,000 rupees were withdrawn, and new notes of 100, 500 and 1000 rupees were introduced. The Janata Party coalition government demonetised banknotes of 100, 500 and 1000 rupees on 16 January 1978 as a means of curbing counterfeit money and black money. In 2012, the Central Board of Direct Taxes had recommended against demonetisation, saying in a report that “demonetisation may not be a solution for tackling black money or economy, which is largely held in the form of benami properties, bullion and jewellery”. According to data from income tax probes, black money holders kept only 6% or less of their wealth as cash, suggesting that targeting this cash would not be a successful strategy. On 28 October 2016 the total banknotes in circulation in India was ` 17.77 trillion (US$260 billion). In terms of value, the annual report of Reserve Bank of India (RBI) of 31 March 2016 stated that total bank notes in circulation valued to ` 16.42 trillion (US$240 billion) of which

In 2012, the Central Board of Direct Taxes had recommended against demonetisation, saying in a report that demonetisation may not be a solution for tackling black money or economy, which is largely held in the form of benami properties, bullion and jewellery. nearly 86% (around ` 14.18 trillion (US$210 billion)) were ` 500 and ` 1,000 banknotes. In terms of volume, the report stated that 24% (around 22.03 billion) of the total 90266 million banknotes were in circulation. Prelude to the present demonetization the Government of India devised an Income Declaration Scheme (IDS). However an alternative Scheme namely, ‘Taxation and Investment Regime for Pradhan Mantri Garib Kalyan Yojana, 2016’ (PMGKY) has been proposed by the Government. The declarant under this regime shall be required to pay tax @ 30% of the undisclosed income, and penalty @10% of the undisclosed income. Further, a surcharge to be called ‘Pradhan Mantri Garib Kalyan Cess’ @33% of tax is also proposed to be levied. In addition to tax, surcharge and penalty (totaling to approximately 50%), the declarant shall have to deposit 25% of undisclosed income in a Deposit Scheme to be notified by the RBI under the ‘Pradhan Mantri Garib Kalyan Deposit Scheme, 2016’. This amount is proposed to be utilised for the schemes of irrigation, housing, toilets, infrastructure, primary education, primary health, livelihood, etc., so that there is justice and equality.

Viswanath Inguva

Asst. Gen. Mgr. (Retd) Ex-Principal, STC, Chennai

Taarangan

December, 2016

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Taarangan

December, 2016

N O I T A Z TI E N O M DE AND S R E K N A B E G A NEW Demonetization, one of the buzz words that has really made its decibel limit high by its intangible consequences and widespread outcomes. emonetization, one of the buzz words that has really made its decibel limit high by its intangible consequences and widespread outcomes. This whole story starts with a historical announcement by our honorable prime minister at the night of 8th November 2016 and from the very next day India has witnessed the eventualities of this one of its kind “Rockstar Policy” name “The Great Indian Demonetization Saga”. Trillions of paper and millions of minutes have been already used to describe the facts - figure - result - mechanism - logic - counter logic regarding this economical behemoth and this count is still being continued. However, the root and the degree of implementation of this policy is far different from its peer policies. The moot cause is the issue of the circulation of financial liquidity. Economy collapses if liquidity stops flowing. Income gets hindered if money stops rolling. That is why this demonetization has left its far-flanged impact on the life of every single Indian. As far as the statistics is concerned, this process has extracted almost 86% of old currency notes from the money market and infused fresh ones. And this Mahabharata has been executed by a single organization named INDIAN BANKS. Banks were the only portal between the exchequer of fresh liquidity and the pockets of every single Indian. This stringent measure has made almost every Indian bounded to visit bank branches at least for once. Now forget the convoluted ideologies, just imagine the quantum of crowd that has

been managed by bank staffs in this fifty days of KURUKSHETRA. So just take a simple wild analogy about the amount of patience and the managerial abilities of the Indian bankers in these days of financial curfew. The best part is that we have made it with flying colors. (We, the people of banking industry not only successfully implemented this policy but also made a lifetime experience.) Whenever government implements any kind of policy, it creates ripples among the others. This time this set of others is the entire nation, i.e. almost 128 crore Indian. That was the hardest part. As a gigantic process of exchanging liquidity has been initiated, this has created a lot of chaos cum cacophony in the sociopolitical arena. Politician always have their own piece of interests, their own axe to grind and who will give then better platform than this Demonetization. Due to the shortage of currency, RBI has changed its official notification for uncountable number of times and this made people more confused. But in spite of this pressures bank employees have not only made deposited a record amount of old currency from common people but also infused a good amount of liquidity back into the system to make the business roll. I am not getting into the politics or into the surge of criticism but only into the altruistic vision that I fully support as a common man of India. Yes, this is true that market movability got hindered initially, this is true that people were running out of cash against many contingencies, this is true that big fat leading shark were not get exposed as it was initially proposed. But some

growth is always better than no growth. Due to this announcement, the mythical octopus of GREY ECONOMY had lost its multiple tentacles. Hawala business lost its spine for a good period. Also a sense of transparency has infused not only into the system but also into the mind of every Indian in spite of these physical agonies. As a banker I feel really proud on that matter that we are the only authorized priests of this baptism. In those days bankers have to face a lot of contingencies. A sudden wave of

deposits, irritated and agitated minded customers in long queues, constantly changing circulars, limited liquidity sent from RBI on daily basis, shortfall at the day end, financial loss at the personal end and many more were the common images of those days. But now when as we look back into this matter, we really find it as a memory that can be said as a story in future. As a newly joined staff in bank I have tried to give my 100% service like any other staff in this turmoil and what I get is a deep sense of pride and a respect from common people no matter how worse the situation was. We get an opportunity to serve our nation willingly or unwillingly it will be always considered a matter of lifetime. Snigdhadeb Dey Kolkata Zone

leejebieCe

efomebyej, 2016

¢¨¸Ÿ¸ºÍúˆÅ£µ¸ /Demonetization

Demonetization, Remonetization or Currency Revolution ndian economy is passing through the phase of demonetization since 8th November, 2016 and remonetization since 10th November, 2016, which together can be termed as currency revolution (without going into the debate of black & white) for the economy with additional components of mobile, e-valet, card banking and internet banking occupying the mainstream of financial transactions in the newly emerging scenario. This currency revolution has impacted all the segments of the economy in varying degrees and dimensions with banking industry being in the forefront of this process. This process has unfolded the plethora of opportunities for banking sector and the economy. From the banking perspective, the opportunities range from customer acquisition to resource mobilization, new digital modes of banking of internet, mobile & e-valet along with card banking. These newly emerging products and banking services will determine the future

Indian economy is passing through the phase of demonetization since 8th November, 2016 and remonetization since 10th November, 2016, which together can be termed as currency revolution (without going into the debate of black & white) for the economy with additional components of mobile, e-valet, card banking and internet banking occupying the mainstream of financial transactions in the newly emerging scenario.

of Indian Banking marking a shift from brick and mortar approach of banking to electronic, digital and card banking. Banks are sitting on piles of deposits forcing them to reduce the cost of lending and scout for alternative avenues of fund deployment. This will increase flow of credit to organized and unorganized sectors of the economy paving way for self-employment opportunities and decentralized growth of the economy. From the point of view of the economy, the vast resources mobilized during this process can be productively deployed in the economy for increasing productivity and employment on a sustainable level in the next couple of quarters. The country has taken extreme step of currency demonetization and remonetization putting the general population to inconvenience for weeks. However, its effective implementation will usher in: a) Integration of informal sector of the economy with the formal sectors of the economy. b) Integration of informal economy with formal sector may increase tax base leading to broadening of tax base with chances of lower taxation and simplified tax structure from the next fiscal serving as disincentive to black marketing and tax evasion. c) Revenue buoyancy will result in reduced revenue and fiscal deficit leading to lower inflation with effective implementation of Fiscal Management & Budget Management Act. d) Revenue buoyancy will further lead to investments in economic and social infrastructure (roads, ports, airports, irrigation, education, healthcare, affordable housing etc.) paving way of strong backward and forward linkages. e) With the effective enforcement of Benami Transactions (Prohibition) Act and Insolvency & Bankruptcy Act, legitimate economic order will prevail in the economy boosting fiscal discipline and accounting transparency.

To exploit the potential of currency revolution, the emergent pressing legislative reforms before the government are in the field of land laws, labour laws, electoral and judicial system to optimize the double digit growth potential. Thus, this currency revolution has potential of economic transformation of the economy leave apart from the checks on activities of black marketers, drug mafias, maoists and terrorists. As a citizen of the country, I think anybody having cash of more than ` 5,000/- on 8th November, 2016, would have integrated himself with the formal banking channel and others having less than ` 5,000/cash must be the beneficiary of central or state subsidy in one form or the other through their bank account thereby covering almost entire adult population through formal banking channel. This will go a long way in checking the various leakages and effective implementation of various developmental programs. With these changes, I perceive that the government has paved the way for smoother roll out of Goods and Services Tax (GST), which will be the landmark tax reform in Indian economy and the success of GST will definitely depend on integration of economic activities with the banking channels. So, this is just the beginning, Banking Industry has to make itself ready for another round of economic reforms in the form of GST and the effective implementation of Benami Transactions (Prohibition) Act and Insolvency & Bankruptcy Act will pave way for much needed financial discipline on the part of bank borrowers, which will go a long way in improving the health of India Public Sector Banks. Let’s hope for the best and a very - very happy, prosperous and fulfilling new year to one & all.

S B Singh

Chairman Gramin Aryavart Bank

Taarangan

December, 2016

N O A G NALESS VILLAGE

CASH-

Y R O T S S S E C A SUC

Paresh Hatkar Kolhapur Zone

fter Demonetization of `500/and `1000/- notes in our country, digital way of payments have taken a center stage. District Collector urged all Bankers in Kolhapur District to convert one village per bank as Cashless. In response to the call, our Chuye Branch headed by Shri Nikhil Kulkarni (a young - dynamic Agriculture Officer) identified Nagaon village from Kolhapur District for this initiative, based on our Bank accounts in the village, Aadhar linkage with saving accounts, ATM Card to customers available in the village, availability of services of Bank Mitra in the Village, etc. The village was first to be declared as Cashless Village. Zonal Manager Shri B K Arsekar, LDM Kolhpaur Shri S G Kininge, IT Head Shri Vinay Mishra, FI Head Shri Rahul Mane along with other dignitaries and villagers of Nagaon were present on the occasion. We would like to give brief of this village for the benefit of readers. About Village Nagaon Nagaon Village is situated near Kolhapur city. It comes under the service area of our Bank of India Chuye Branch. The total population of the village is 2361 out of which male population is 1055 and female 1049 along with 257 children. The total number of Houses in the village are

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449 with literacy rate of 72.43%. Bank Service Area Nagaon village falls within the service area of our Chuye Branch. Shri. Nikhil Kulkarni is working as Branch Manager and Shri. Rajaram Toraskar is working as Bank Mitra in Nagaon Village. Bank Coverage Bank has till date opened 1942 savings bank accounts of the villagers and ensured that, all houses have at least one bank account per house. Out of these accounts 1358 are seeded with Aadhar numbers and with mobile numbers for transaction alters, 1288 households are covered with RuPay Debit Card. Bank Mitra We had appointed Shri. Rajaram Toraskar as Bank Mitra in the village to provide banking services at the doorstep to the villagers. Bank Mitra is working with Hand Held Device (HHD Machine) of the Bank and providing services like financial literacy to the villagers, opening of bank account and receipt/payment of cash. His services are available from early morning to late evening. Agriculture The major occupation is agriculture and allied activity like Dairy, Poultry, etc. Sugar cane, Paddy and Soyabean are the major crops cultivated by the farmers. The sugar factories are remitting the sugarcane bills directly to farmers account. Allied Activities Dairy is the major allied activity in Nagaon.

There are 4 milk collection centers in the village. All these milk collection centers are having account with our bank. They are using cheque book facility to transfer the proceeds of milk to customerâ&#x20AC;&#x2122;s accounts. After amount gets credited to respective members account the member can easily withdraw money or transfer money with help of Mr. Rajaram Toraskar, who is working as Bank Mitra in Nagaon Village. Grampanchayat The Grampanchayat has Bank account with our bank and using cheque book facility of our bank. They use cheque book for various payments. Also we are in process of providing M-POS machine to grampanchayat to collect utility bills viz. water bill, house tax and other payments. Kirana Shops There are 3 kirana shops in the village. All of them are having accounts with our bank. They use Chillr and Bhim App for payment and receipt of his bill wherever possible. Also we have provided Point of Sale Machines to these stores as per their requirement for day to day transactions. Medical Facility There is only 1 medical shop in this village. To facilitate the villagers the medical shop proprietor has downloaded Chillr and Bhim App and used them for payment and receipt of his bill. We have also provided an M-POS machine to this store. With the success of Nagaon, we are planning to add few more villages in this list of CASHLESS Villages in the coming months.

Stress Management through

Initiative…

Farm Pond Financing Yeola Branch, Pune Zone.

he “Yeola Taluka”, in Nashik district of Maharashtra, is geographically located in the rain shadow zone. This area is identified as one of the twelve drought prone zones of the state of Maharashtra. The rainfall in Yeola taluka is totally dependent on the mercy of south-west monsoon and historically it is known to receive unevenly distributed rainfall. There are very few rivers flowing through the area and the situation is further worsened due to the multiple hillocks in the area. Due to this the nature of these rivers are seasonal. The scarcity of water immediately after monsoon limits development of agriculture in the area. The majority of population is primarily engaged in agriculture and allied activities. Nearly 68% of the area is cultivated land and rabi & kharif are the main two crop seasons being practiced by farmers. Major crops are cotton, onion, maize, pomegranate and grapes. Rainfall is the basic source of all forms of water in the area. High dependency on rainfall for irrigating crops has negative impact on the agri-produce of these regions, given the unpredictable monsoon. The situation had worsened in last few years due to very low rainfall. Amongst all the challenges that farmers in these areas face today, water harvesting is identified as the only solution for raising crops on a sustainable basis. Govt. of Maharashtra launched very innovative project called as “Jalyukt Shivar”, where more emphasis is given for rain water harvesting & storage of water by construction of farm ponds of all category of farmers. The project cannot be completed without financial help. Considering potential for upliftment of farmers financial condition, our Yeola branch team has taken very positive initiative and decided to extend the necessary financial help for the noble

cause. Accordingly branch officials arranged farmers meets in the 17 villages allocated to the branch, delivered the importance for water harvesting, simplified method of finance & prolonged repayment period with very attractive/acceptable interest rate. In the given context, “Farm Ponds” were propagated by our Yeola Branch in its area of operation as a long term solution against drought/low rain fall to the farmers. It was explained to the farmers through village level meetings and help of the progressive farmers of the area , that they can harvest the surplus/ runoff water during monsoon in dugout ponds, covered with specially made Paper linings (to prevent loss due to seepage) and use this stored water during dry spells for irrigation. Lot of efforts were required to be taken to create awareness among farmers about “Farm Ponds” utility and availability of Bank Finance to meet the high initial costs. The very noble initiative taken by our Yeola branch has helped in creating awareness about water harvesting. During the period 1st April 2016 to 30th Sept 2016 Yeola Branch has financed 61 farm ponds in the surrounding areas. These farm pond loans were clubbed; with a view to ensure enhanced earning for farmers; through dual cropping pattern (Kharif and Rabi).The total quantum of finance for these 61 farm ponds and crop loans taken together is `4.40 crores. These farm ponds, constructed out of Bank’s finance will make water available to approx. 275 acres of cultivable land across 17 villages of the Yeola Taluka. This step is a great measure to provide protective irrigation to stressed loanee farmers in drought/low rain situations.

Financing for farm ponds will play a very crucial role in drought prone areas by lessening the dependency of farmers on monsoon; especially for winter crops. Farmers with assured irrigation for their crops will need not worry due to poor rainfall. In addition to assured irrigation for existing cropping seasons, farm ponds will also help the farmers to prosper by having additional income through dual cropping pattern. • With the availability of surplus/runoff water in the ponds for irrigation, farmers can now opt for additional crops in between Kharif and Rabi seasons. • Proper irrigation ensures high yields of crops raising the per hectare produce significantly. • Bunds can be used to raise vegetables/ fruit trees etc. The efforts taken by Yeola Branch in popularizing Farm Ponds has been appreciated at all levels. The farm pond financing in this drought prone region shall change the lives of these farmers for better. Given the bank’s business opportunities attached to this activity, more of our branches with agriculture exposure should explore the possibilities for financing farm ponds and replicate the success of Yeola branch. Ritu Krishna

Pune Zone

Taarangan

December, 2016

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Taarangan

December, 2016

Yeoman Service During Demonetization by Kerala

Happiness does not come from doing easy work but from the afterglow of satisfaction that comes after the achievement of a difficult task that demanded our best. Theodore Isaac Rubin

ithdrawal of legal tender status of currency notes of `500/- and `1000/-, popularly known as ‘demonetisation’ is such a jolt to the whole economy that wherever two people meet it is inevitably the topic of discussion. From top class economists to illiterates of this country, everyone has something to comment on it. If it was a bolt from the blue for black money holders, for our staff members, it was a unique surprise in their entire service period when they suddenly

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efomebyej, 2016

Zone

found themselves in a hot seat. Banking professionals became the most sought after people overnight and people were standing in queues for their services. However, unexpected situations and challenges act as catalysts in bringing out creativity. It was an unprecedented and unparalleled situation for the staff comprising mainly of youngsters. The thorough revamp vitalized the banking system as a whole and all our branches were busy implementing the various instructions emanating from RBI almost on a daily basis. Sometimes toughest times present unforgettable, lifelong memories and this era may be identified as such an occasion for many of us. Hard times make people tough and astute leadership emerges naturally in such circumstances. Our branch teams exhibited exorbitantly high level of commitment and sincerity when they literally worked round the clock. Whatsapp messages comparing soldiers at the borders and bank staff holding the ground were not at all incongruous for they were up against a formidable task. While it was a herculean task to provide the basic minimum services to the highly demanding public, it is commendable that some of our colleagues had the magnanimity to extend hospitality to the public. They erected shamianas in front of the branch premises to provide some relief to the people from the scorching sunlight. It was a pleasant surprise for the public when they were offered drinking water, tea and snacks.

In the following days, our team touched new heights in its service to the public by reaching out to the labourers of unorganised sector and that too at their door steps. Many of them were illiterate but their awareness about demonetisation was amazing. When officials of the Labour Commissioner’s office found that BOI is proactively involved in serving the labour community, many more opportunities were bestowed on us. There is a saying “work hard in silence and let success make the noise”. Overwhelming responses emanated from the customers and general public about the initiatives and value added services of the bank. Several leading newspapers carried news and photographs about our Bank’s services while some of our Branch Managers were appearing on TV screens. Calls and messages to the Branch Managers by none other than Chairman and ED were a real boost to the morale of the team members. We may not have reached the last leg of the process, but our dedicated and highly motivated team has already proved that ‘teamwork works’ and that there is no substitute for it. This confidence provides us the necessary impetus to wade through even more testing times.

M V Anand Kerala Zone

view point

P I H S R E RY LEAD

A L P M E X E

leader is one who knows the way, goes the way, and shows the way. The success of an organisation at large at macro level or a branch at a micro level depends upon the leader. He can take it to new heights and in the process he becomes a leader. But he is solitary. Another one takes the organization to new pinnacle along with others. He is a great leader. Here is third one who takes the organization to the top so that with his integrity, leadership, team building and assurance he creates leader amongst his group, he is an exemplary leader. “An exemplary leader is one in whose presence the team feels lifted, tries things outside its zone of comfort and understands that there is a leader standing behind them encouraging, applauding and making the best effort. He puts a stake on the ground on certain core values, a vision for both the company and individuals and then has a honest dialogue on where do we stand on the value and vision”, this is what Chief HR Officer at HCL Technologies avers. An exemplary leader is an optimist. He thinks positive and looks for an opportunity even in adversity. He believes that his efforts will always yield great results. He brings in aroma of positive vibes amongst his team. Such a leader never tires. His actions inspire others to make them dream more, do more and achieve more. An exemplary leader is a man of values and ethics. He drives the business within the set guidelines, always doing a right and correct business. He imbibes values in others through his actions and advice. He will never be down when his ethics

A rose is beautiful because it has thorns. Rose and thorns can’t be separated. So is your work. Be a leader with great vision who can possibly translate it into reality.

P T S Murthy Retd. AGM

are subjected to test, because he knows for sure he will come out successful in all those situations. For him, organisation is greater than the individual. The success of an organization always depends on individual but the value, an individual achieves is because of the organization. He keeps his team focussed on values and thus laying ground work for others’ success. He canvasses that he shined because his peers made him shine. An exemplary leader takes things in his stride. Business means challenges. In business of banking, it is daily challenge because you deal with a variety of people but all speaking the language of money. Your actions must inspire others to have faith in you and the more faith they have in you and your team, you earn more not only the business but also their faith, love and affection. Today nobody believes his kith and kin in matters of money, but they believe you because they trust you as you had an impact on them, you influenced them and inspired them. An exemplary leader does not crave for designations. He is a problem solver. For him it is another title. He sets standards for himself to do better. He imprints his work on sands of time. As Colin Powell writes, “Leadership is solving problems. The day soldiers stop bringing you their problems it is the day you have stopped leading them. They have either lost confidence that you can help or concluded you do not care. Either case is failure of leadership”. A rose is beautiful because it has thorns. Rose and thorns can’t be separated. So is your work. Be a leader with great vision who can possibly translate it into reality.

Taarangan

December, 2016

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

‚¸ƒÄ‚¸ƒÄ‡Ÿ¸ ˆÅ¸½¥¸ˆÅ¸÷¸¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ‚¿÷¸££¸«’ïú¡¸ ¤¸ú ¬ˆ»Å¥¸ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸»¨¸Ä) ªú ‡¬¸ ˆ½Å ‚ŠÏ¨¸¸¥¸ ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ ¢›¸™½©¸ˆÅ œÏ¸½. ¬¸¸ƒ¤¸¥¸ ¸’Ã’¸½œ¸¸š¡¸¸¡¸—

œ¸¢ä¸Ÿ¸ ¤¸¿Š¸¸¥¸ ¬¸£ˆÅ¸£ ˆ½Å ˆ¼Å¢«¸ ¢¨¸ž¸¸Š¸ ×¸£¸ ‚¸¡¸¸½¢ ¸÷¸ `¨¸¼í™Ã ˆ¼Å¢«¸ Ÿ¸½¥¸¸' ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ íº‡ ¢¬¸¥¸úŠ¸º”õú ‚¿ ¸¥¸ ˆ½Å ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸— ¬¸¸˜¸ Ÿ¸Ê Ÿ¸¸›¸›¸ú¡¸ œ¸¡¸Ä’›¸ Ÿ¸¿°¸ú ªú Š¸¸¾÷¸Ÿ¸ ™½¤¸ ‡¨¸¿ ‚›¡¸ ¨¸¢£«“ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

¢¬¸¥¸úŠ¸º”õú ‚¿ ¸¥¸ ×¸£¸ Š¸¼í ‡¨¸¿ ¨¸¸í›¸ †µ¸ í½÷¸º ¥¸Š¸¸‡ Š¸‡ `¢¨¸©¸½«¸ †µ¸ Ÿ¸½¥¸¸' ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸—

ˆÅ¸½¥¸ˆÅ¸÷¸¸ ‚¸¿ ¸¢¥¸ˆÅ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸Ê `¬¸¿¢¨¸š¸¸›¸ ¢™¨¸¬¸' ˆ½Å ‚¨¸¬¸£ œ¸£ ‚¸¿.œÏ. ªúŸ¸÷¸ú ¢¤¸›¸¸÷¸¸ ¬¸½›¸Š¸ºœ÷¸¸ ˆÅú ‚š¡¸®¸÷¸¸ Ÿ¸Ê „Ó½¢©¸ˆÅ¸ (preamble) ˆÅ¸ ¨¸¸ ¸›¸ ˆÅ£÷¸½ íº‡ ¬’¸ûÅ ¬¸™¬¡¸—

¢¬¸¥¸úŠ¸º”õú ‚¿ ¸¥¸ Ÿ¸Ê ¢£Æ©¸¸ ¸¸¥¸ˆÅ¸Ê ˆ½Å ¢¥¸‡ `’ú-©¸’Ä ¢¨¸÷¸£µ¸ ˆÿÅœ¸' ˆ½Å ‚¨¸¬¸£ œ¸£ ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸, „œ¸ ‚¸¿.œÏ. ªú ‡Ÿ¸ ˆ½Å ¢Ÿ¸ª¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

¢¬¸¥¸úŠ¸º”õú ‚¿ ¸¥¸ Ÿ¸Ê `¬¸¿¢¨¸š¸¸›¸ ¢™¨¸¬¸ œ¸£ ‚¸¡¸¸½¢ ¸÷¸ `œÏ©›¸¸¨¸¥¸ú œÏ¢÷¸¡¸¸½¢Š¸÷¸¸' Ÿ¸Ê œÏ¢÷¸ž¸¸¢Š¸¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸—

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (Ÿ¸š¡¸) / National Banking Group (Central)

ž¸¸½œ¸¸¥¸ ‚¿ ¸¥¸ ×¸£¸ ‚œ¸›¸¸ ‹¸£ `¨¸¼Ö¸ªŸ¸' Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê ¨¸¼Ö ¸›¸¸Ê ˆÅ¸½ ¬¸í¸¡¸÷¸¸ ¬¸¸Ÿ¸ŠÏú ž¸Ê’ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ™¨¸½›Í œ¸¸¥¸ ©¸Ÿ¸¸Ä—

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efomebyej, 2016

ƒ¿™¸¾£ ‚¿ ¸¥¸ ˆÅú š¸¸£ ¦¬˜¸÷¸ ¢°¸Ÿ¸»¢÷¸Ä ›¸Š¸£ ©¸¸‰¸¸ ˆ½Å ©¸¸.œÏ. `¬’ÿ” ‚œ¸ ƒ¿¢”¡¸¸' ˆ½Å ‚¿÷¸Š¸Ä÷¸ ŠÏ¸íˆÅ ªú œÏ¨¸úµ¸ ¨¸Ÿ¸¸Ä ˆÅ¸½ ¤¸¬¸ ˆÅú ¸¸¤¸ú ¬¸¸ÿœ¸÷¸½ íº‡—

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í ( ¸¸.‡¨¸¿ Ž.) / NATIONAL BANKING GROUP (J&C)

‡›¸¤¸ú ¸ú ( ¸¸. ‡¨¸¿ Ž.) Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ `¬¸¿¢¨¸š¸¸›¸ ¢™¨¸¬¸' ˆ½Å ‚¨¸¬¸£ œ¸£ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú ( ¸¸. ‡¨¸¿ Ž.) ªú ‡¬¸ ˆ½Å Ÿ¸º‰¸ ¸úÄ ªú ‡¬¸ ˆ½Å ¸¸¾š¸£ú, Ÿ¸.œÏ. (‡¬¸‡¥¸¤¸ú¬¸ú) ªú œÏ¬¸¸™ ¸¸½©¸ú ‡¨¸¿ ¬¸Ÿ¸¬÷¸ ¬’¸ûÅ ¬¸™¬¡¸—

¤¸¸½ˆÅ¸£¸½ ‚¿ ¸¥¸ ×¸£¸ `”ú ¸ú š¸›¸ ¨¡¸¸œ¸¸£ ¡¸¸½ ¸›¸¸' ˆ½Å ÷¸í÷¸ ¤¸¸½ˆÅ¸£¸½ ¢ ¸¥¸¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ”ú ¸ú š¸›¸ ¨¡¸¸œ¸¸£ Ÿ¸½¥¸¸ Ÿ¸Ê `¢ ¸¥¥¸£ ‡œ¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸' ˆ½Å ¢¨¸ ¸½÷¸¸ ˆÅ¸½ œ¸º£¬ˆ¼Å÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ‡¬¸‡¥¸¤¸ú¬¸ú ¸¸£‰¸¿” ªú œÏ¬¸¸™ ¸¸½©¸ú ‡¨¸¿ „œ¸ Ÿ¸.œÏ. ªú ‚¸ƒÄ ¬¸ú ¢Ÿ¸ª¸—

£¸¡¸œ¸º£ ‚¿ ¸¥¸ ×¸£¸ `¬¨¸ Ž÷¸¸ ‚¢ž¸¡¸¸›¸' ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢©¸¨¸¸ ¸ú Š¸¸”Ä›¸ Ÿ¸Ê ‚¸¡¸½¸¢ ¸÷¸ ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê ’úŸ¸ £¸¡¸œ¸º£ ‚¿ ¸¥¸ ˆ½Å ¬¸™¬¡¸Š¸µ¸—

£¸¡¸œ¸º£ ‚¿ ¸¥¸ ×¸£¸ ‚¸¡¸¸½¢ ¸÷¸ `£Æ÷¸™¸›¸ ¢©¸¢¨¸£' Ÿ¸Ê £Æ÷¸™¸›¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ¢›¸£¿ ¸›¸ ¬¸¸Ÿ¸°¸ú—

í ¸¸£ú¤¸¸Š¸ ‚¿ ¸¥¸ ×¸£¸ ‚¸¡¸¸½¢ ¸÷¸ ™¸½ ¢™¨¸¬¸ú¡¸ `¢£’½¥¸ ¥¸¸½›¸ Ÿ¸½¥¸¸' Ÿ¸½¿ ‚¸¿.œÏ. ªú ‡¬¸ ‡¢÷¸£¸ ¸» ‡¨¸¿ ‚.¢ ¸.œÏ. ªú ¬¸ºš¸ú£ ˆºÅŸ¸¸£ ©¸Ÿ¸¸Ä— ‚¢÷¸¢˜¸¡¸¸Ê ‡¨¸¿ ŠÏ¸íˆÅ¸Ê ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸º.œÏ. ¸ºŸ¸£ú¢÷¸¥¸¾¡¸¸ ©¸¸‰¸¸ ªú „î¸Ÿ¸ ˆºÅŸ¸¸£ ¢¨¸©¨¸¸¬¸—

¸Ÿ¸©¸½™œ¸º£ ‚¿ ¸¥¸ ˆÅú £¸ ¸›¸Š¸£ ©¸¸‰¸¸ ×¸£¸ ‚¸¡¸¸½¢ ¸÷¸ `‡ˆÅ¢™¨¸¬¸ú¡¸ †µ¸ ¢¨¸÷¸£µ¸ ¢©¸¢¨¸£' ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê „œ¸¦¬˜¸÷¸ ‚¸¿.œÏ. ªú ‚¸¥¸¸½ˆÅ œÏˆÅ¸©¸ ¡¸¸™¨¸, „œ¸ ‚¸¿. œÏ. ªú ‚¸£ ‚¥¸Š¸£¬¸¸Ÿ¸ú ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸— ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê „œ¸¦¬˜¸÷¸ Ÿ¸¢í¥¸¸‚¸Ê ‡¨¸¿ Ž¸°¸Ž¸°¸¸‚¸Ê ˆÅ¸½ ¤¸ÿˆÅ ˆÅú ÷¸£ûÅ ¬¸½ ž¸Ê’ œÏ™¸›¸ ˆÅ£ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ —

¤¸¸½ˆÅ¸£¸½ ‚¿ ¸¥¸ ˆÅú ˆÅ¬¸Ÿ¸¸£ ©¸¸‰¸¸ (ŠÏ¸Ÿ¸úµ¸) ×¸£¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ›¸ˆÅ™ £¢í÷¸ ¥¸½›¸-™½›¸ ˆÅ¸ Ÿ¸í÷¨¸ ‡¨¸¿ ¥¸½›¸-™½›¸ ˆ½Å œÏ¢©¸®¸µ¸ ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ©¸¸.œÏ. ªú £¸ ¸½©¸ ˆºÅŸ¸¸£—

¸Ÿ¸©¸½™œ¸º£ ‚¿ ¸¥¸ ˆÅú ›¸£Š¸¸ ©¸¸‰¸¸ ×¸£¸ ¸½.ˆ½Å. ¤¸ú.‡”. ˆÅ¸Á¥¸½ ¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ `ˆ¾Å©¸¥¸½¬¸ ˆÅ¸¡¸Ä©¸¸¥¸¸' Ÿ¸Ê „œ¸¦¬˜¸÷¸ ˆÅ¸Á¥¸½ ¸ ˆ½Å ¸½¡¸£Ÿ¸¾›¸, ¢©¸®¸ˆÅŠ¸µ¸¸Ê ‡¨¸¿ Ž¸°¸-Ž¸°¸¸‚¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ ªú œÏ¨¸úµ¸ ˆºÅŸ¸¸£ —

Taarangan

December, 2016

Whiskered Tern juvenile putting on 1st winter plumage gradually at Khijadia

Paddyfield Pipit singing while perched on branch of a Babul tree

A pair of Black Drongo ( Kalo Koshi in Guj.) perched on dry plant, looking around for insects

A flock of Eurasian Spoonbill in breeding plumage at Khijadia

Glossy Ibis, A Leap of Good Hope For Better Environment

Ashy-crowned Sparrow Lark perched on a fencing of a farm

Flock of Painted Storks at Khijadia

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efomebyej, 2016

A Cliff hanger!!! House Sparrow male looking for a ready made home in the nesting colony of Streak throated Swallows near Jamnagar

Little Egret in breeding plumage, Lakhota lake, Jamnagar

Aa megho kyare Varasase...???!!! probably this Green Bee-Eater

Ruff Jamnagar

Laughing Dove perched on a fencing of a farm

Wood Sandpiper foraging, Jamnagar

Gull-billed Tern too is interested in eating Ganthhiyas

PASSION at its PEAK, Life of Birds through the lens of Bird Lover Shri Jaypalsinh Jadeja, Hospital Road Branch, Rajkot Zone

Taarangan

December, 2016

Case Study on Risk Management in Banks Case of Flying Carpets R C Bhatnagar

DGM (Retd.) Noida

foggy chilly morning in NewDelhi/NCR. It was 6:30 am on November 18th 2014. Raghav Bhatnagar SVP, Risk Management Department of Golden Bank Limited was still in bed. He has taken over charge of the RMD (North) in last week of September, 2014. Prior to his posting at New-Delhi he was CEO, GBL Hong-Kong for more than 3 years. Before joining GBL in 2011 he was working as AGM Credit in SBI, Chandigarh. He had joined SBI in 1990. He is a well qualified University rank holder in B.Com and M.A. (Econ) from Punjab University, Chandigarh and a Gold medalist in Diploma from Bhartiya Vidhya Bhawan and CAIIB from IIBF Mumbai with distinction. He had spent major part of his service in SBI’s Credit department and was recognized as a strong resource person in loans & advances. His colleagues both senior and junior relied on his advice in complex credit matters. His service track record was impeccable. He was known for his leadership qualities and ethical work style. He was made SVP and Head of Golden Bank Limited RMD (North) after his promotion and now relocated to Delhi. The RMD of Golden Bank Limited (North) was looked after by a mid level officer, P. Raghavrao (PR) who too had shifted from a PSB, Bank of India. PR is a young energetic officer. He had also

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joined in October, 2014. He gave a nice presentation to Raghav Bhatnagar on the working of RMD (North). Raghav Bhatnagar was impressed with PR’s knowledge about the Business mix of branches and strengths and weaknesses in Zone’ s Asset portfolio was of ` 5000 Crore in September, despite being new to the set up. Top 5 activities financed by the Bank in North comprised of : 1. Exports 2. Light Engineering Units 3. Retail Loans (Secured & Unsecured) 4. Indirect Agriculture

joined. RB after his morning tea was going through the Times of India when news caught his eyes “How 2.7 K crore flew back on Carpets ? It was reported that DRI had unearthed a scam converting black money in to white using fraudulent exports. The news carried following statistical details:Soon after taking over the department, RB & PB had jointly put in place a “SOS Audit” system to look into unusual growth in Credit portfolio in Branches. P. Raghavrao would then travel to identified

Item of Exports Floor –Coverings Carpets etc Year Wise value of hand woven Carpets and Floor covering exported ( ` in crore) 2009-10 2010-11 2011-12 2012-13 USA 1327 1617 1795 2501 Germany 498 553 622 657 UK 202 238 267 548 Australia 103 126 140 179 Canada 70 85 94 119 Total (with other countries) 3,512 4,142 4,583 5,877 U.S.A. and EU accounted for 60% of carpet exports from India. UAE is not even in top 20 countries . Yet in 2014-15 DRI suspects over ` 2,000 crore worth of handmade carpets exported to UAE alone. Country

5. Others Golden Bank Limited (North) comprised of J&K, Haryana, Punjab, Delhi/NCR, Uttar Pradesh and Uttrakhand. Raghav Bhatnagar (RB) and P. Raghavrao (PR) seem to have developed a healthy working relationship soon after Raghav Bhatnagar

branches and look into their Credit Appraisals and Compliances of fresh loans, point out the deficiencies and seek corrections in a time bound programme. This had helped branches to improve quality of their Asset portfolio, and their Audit ratings, in due course. The branches welcomed this initiative and

Case Study things had just started moving, when this report came in. After reaching office Raghav Bhatnagar instructed PR to bring branch-wise Export Outstanding for last 3 months with details of commodities dealt with. PR was to highlight branches with unusual growth in exports especially after March 31st. P. Raghavrao sometime submitted following list. (Outstanding Export Credit monthwise 2012-13) ` In Crore

Branch Aug. Sept. Noida 85 98 Dehradun 10 16 Bhadohi 65 77 Varanasi 77 90

Oct. Nov. 110 125 21 29 92 110 99 115

P. Raghavrao had also called for commodity wise breakup. It was revealed that in 4 branches there was a major boost in exports of Carpets, while Bhadohi and Varanasi were known for exports of Rugs, Carpets and Durries etc. Noida seemed to be developing as a new center for exports of Carpets from the statistics. Both RB and PB were uncomfortable with the figures. P. Raghavrao was advised to go to Noida Branch while another Senior Credit Officer from Corporate Credit Department was sent to Varanasi. Over next 2 days following reports were received by RB from P. Raghavrao : 1. Since May, 2013 branch has opened 15 new accounts with “Exports” as their business. The firms were located in parts Delhi/NCR except 2 which had address of Greater Noida. 2. As many as 10 were one man company newly registered with ROC, DGFT and other Regulatory bodies while 2 were Partnerships and 2 Proprietorships. None of the Partnership firms were registered. 3. PAN and TAN cards were newly made in last 1-2 months. People behind all the firms / companies were in age group of 30-35 with varying educational background, mostly matriculates, none was a PG. 4. Except 5 companies / firms, people at the helm of affairs were first generation entrepreneurs with very little back ground

of business of any kind. resulting in serious violation of the 5. In 7 out of 15 businesses Voters ID prescribed exposure limits particularly in was accepted as a document for address case following Firms / LLCs :verification under KYC. 5 partners in 2 Firm/LLC FBP (DA) Outstanding in ` Partnership firms had a. Abu Salem LLC UAE 21.25 Crores Residential addresses b. Salam Carpets LLC UAE 30.95 Crores of West Bengal. No c. Sheikh and Hashim & Co. Bangladesh 10.25 Crores further action seem to Malaysia 5.75 Crores have been taken after d. Shraddha Chit Finance

opening the accounts. Note: Bank’s board had prescribed a per Drawee limit of ` 3 Crores each and ` 1 Crore each for customers in UAE, 6. All the accounts had Bangladesh and Malaysia with satisfactory status Reports declared Exports as under FBP (DA). their main business. They all mentioned Trading as their 12. Except addressing initial request letters to the Importers Banks and 6 business. letters to Dun and Brand Street for status 7. In last 18 months between these 15 reports no follow up was done. There Accounts they had dispatched over 200 were no status reports on any single containers of “hand made Carpets” drawee on record. worth over 400 crore. Majority exports were to UAE, Malayasia, Indonesia and 13. Commercial Bills / Invoices and Bangladesh. Exports were made thru Insurance were mostly in round figures. Patpargunj ICD and Tuglal khabad ICD Services of 7-8 shipping companies via Nhava Sheva in Mumbai and Haldia, seemed to have been used by all the exporters. West Bengal. 8. The scam came to light when during 14. All companies / firms operated their raids DRI actually found cheap quilt CD accounts. Transactions were in cash covers, Jaipuri Rajais and bed side small and cheques were issued in round figures. rugs etc. Exports were going to countries 15. PR reported that even export not known for imports of Carpets. In last incentives were claimed by declaring 5 years 60% of handmade carpets were the products as “Handi-Crafts” in GRI exported to USA and Europe. None forms. of the countries appearing in Noida 16. It was reported that DRI officials Branch featured even in top 50 importing suspected involvement of customs countries in the world. officials at both ICDS. 9. The export commodity was described Suddenly Golden Bank Limited Noida in commercial invoices as “floor covering branch was going to be in the news as (braided) manmade fibre” which turned the newspapers reported raids on Banks out to be anything but carpets. The actual in Delhi / NCR. price of exported goods was between Questions for practicing Bankers : ` 150 to ` 300 while declared price in the Invoice was between ` 7500 to ` 10000 1. List the KYC violations under the 4 pillars of KYC & AML Act, 2002. per piece. 10. 12 of these 15 companies/firms 2. Bank has an elaborate Credit Monitoring submitted their Foreign Bills for purchase Policy, please list take away under the Pre to Golden Bank Limited Noida while 3 disbursement, At disbursement and Post requested for occasional purchase. Some disbursement sections. business was done on Consignment basis 3. Do you think it could be averted and the likely financial and reputational loss also. 11. 60% bills were drawn on DP basis was avoidable ? 30% on 90 days DA basis and 10% on 4. In your views do you think it was lack clean basis. The restrictions under the of training / deficiency in skill set, or Per Drawee Exposure limits were more larger issue of morality under the Code violated than honored. It has resulted of Conduct of the employees ? Please into very high per drawee outstandings record your reasons.

Taarangan

December, 2016

Payment Cards Operations & Dispute Resolution Process perating Principle of Payment Cards: Operating Principle Type of Cards Buy Now – Pay Now Debit Cards Buy Now – Pay Later Credit Cards & Charge Cards Pay Now – Buy Later Pre-paid Cards

2) Card Transaction: Entities involved a) Merchant Location/ Establishment: Entity selling goods & services b) Acquirer/ Acquiring Bank: The bank having installed POS terminal at merchant location c) Card Network: Transaction Routing & Settling Agency (RuPay / Visa / MasterCard, etc) d) Customer / Consumer: Cardholder e) Issuer/ Issuing Bank: The bank, which has issued the card to the customer

In the eco-system of electronic payment mechanisms, card payments are perhaps most recognizable. Card payments include payments made using debit cards, credit cards or prepaid / stored value cards. 3) Payment Cards: Type of Transactions a) ON -US Transaction: Where the Issuing Bank & Acquiring Bank are the same entity b) OFF-US Transaction: Where the Issuing Bank & Acquiring Bank are different entities c) Issuer Transaction: Where our cardholder does transaction at ATM/ POS of other bank d) Acquirer Transaction: Where cardholder of other bank does transaction at our ATM/ POS 4) Transaction Flow in Card Payment Transaction:

1. Consumer purchases goods / services and uses Debit / Credit Card to pay the Merchant. 2. Terminal sends encrypted transaction data to Acquiring Bank System for authorization. 3. Acquiring Bank sends data to Card Issuing Bank over Card Payment Network. 4. Issuer Bank on successful authentication of Card / Cardholder details; and after checking availability of balance/

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Awareness credit limit, authorizes amount & issues authorization code or declines transaction. 5. Acquiring Bank notifies the Merchant of fate of transaction. If authorized, the Merchant completes the transaction, prints receipt & hand over the goods. 6. Later, the Merchant, through Acquiring Bank, claims the funds. Inter-bank settlement (between Issuer & Acquirer) takes place through Card Network. * Before authorizing the transaction, Issuer debits Customer’s account (for Debit Card) or reduces available credit limit in Customer’s Card Account (for Credit Card). Note: In case of ATM transaction, merchant will be replaced by ATM in above process. 5) RBI guidelines on Compensation for failed ATM Transactions a) Bank’s failure to re-credit customer’s a/c within 7 working days of receipt of complaint shall entail payment of compensation to customer @ `100/- per day by Issuing Bank, provided the complaint is lodged with Issuing Bank within 30 days of date of the transaction. b) The compensation is to be credited to customer’s a/c automatically without any claim from customer, on same day when bank affords credit for failed ATM transaction. 6) Resolution of disputed ATM Transactions under NFS (NPCI) Network Issuer Bank commences the process of dispute resolution after receipt of complaint of failed ATM transaction from its cardholder. While timelines & supporting documents are essence for any resolution, all disputed ATM transactions may not pass through following four stages. Stage-I: Chargeback a) Issuer presents disputed transaction as chargeback to NPCI, within 60 days from date of transaction. b) NPCI validates chargeback & forwards information to Acquirer. c) On successful fulfillment of chargeback conditions, DMS (at NPCI) will credit the Issuer & debit the Acquirer for the transaction amount. Stage-II: Representment a) Acquirer can represent the transaction received as chargeback (within 5 days from the next day of chargeback), provided Acquirer satisfies conditions for representment OR if chargeback is invalid. b) DMS validates representment & processes dispute favouring Acquirer. c) DMS debits Issuer & credits Acquirer with amount of represented transaction. Stage-III: Pre-Arbitration a) If Issuer disputes representment, it can go for pre-arbitration,

within 30 days after re-presentment date, with requisite proof in support of its claim. b) DMS processes disputes that satisfy validation process. c) Acquirer has to respond to pre-arbitration within 17 days from pre-arbitration date. d) Acquirer can decline pre-arbitration with reasons & valid documents. e) If Acquirer does not respond within 17 days, pre-arbitration request of Issuer is accepted (by default) & amount is reversed to Issuer. f) Where pre-arbitration declined by Acquirer is not acceptable to Issuer, the Issuer can refer the dispute for Arbitration by manual process. Stage-IV: Arbitration (Manual Process) a) Time for referring dispute to arbitration is 30 days from date of concluding pre-arbitration process. b) All arbitration disputes are referred to Dispute Management Committee (DMC). c) Any party aggrieved by decision of DMC can approach Appellate Authority for review. d) Until disposal of appeal by Appellate Authority, DMC can decide levy of refund / compensation and hold the amount in an interim account. 7) Resolution of disputed Non-ATM Transactions through VISA, MasterCard, Rupay, etc. Cards Dispute resolution commences with “Retrieval Request” from Issuer for Transaction Receipt copy or Substitute Transaction Receipt, followed by Chargeback, Representment, PreArbitration & Arbitration. 8) Important Points to Remember: • All complaints of disputed transactions must be forwarded to designated department immediately. • Cardholder should be educated of the process and time taken for resolution of disputed transactions. • Documents needed in resolution of disputed ATM transaction are EJ/ JP Log, Switch Report, Cash Reconciliation Certificate, Cash Verification Report, Machine Break-down Report, CCTV footage. • Daily tallying (reconciliation) of ATM Cash. • Preservation of all CCTV footages for 90 days & till final resolution of disputed transactions. Timely response to Card Network / BO with supporting documents to avoid ex-parte decisions.

S K Dhingra Internal Ombudsman Head Office, Mumbai

Taarangan

December, 2016

ohri is a popular Punjabi festival celebrated by people from the Punjab regional in India. In the Punjab region the year is divided into six seasons. The Punjabi month Maghar and Poh represent the â&#x20AC;&#x2DC;Hemantâ&#x20AC;&#x2122; season. Lohri is celebrated on the last day of Poh and therefore is a festival season dedicated to the end of winter season.

Lohri and Harvest festival Lohri is traditionally associated with the harvest of rabi crops. The traditional time to harvest sugarcane crops in January and therefore Lohri is seen by some to be a harvest festival. Sugarcane product such as Gurh and Gachak are central to Lohri celebrations, as are nuts

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and radish. Punjabi farmers see the day after Lohri as the financial New Year. It is a very important day. The farmers celebrate Lohri as such New agricultural tenancies commence on Lohri and rents are collected on this day.

increases. The collection gathered by the children are known as Lohri and consist of Till, Gachak, crystal sugar, Gur (Jaggery), Moongfali (peanuts) and popcorn. Lohri is then distributed at night during the festival.

Day of Celebration

Bonfire

Lohri falls in the month of Paush i.e. around 13th January, as per the Gregorian calendar. The sun usually enters the Nirayna Makar Rashi on 14 January. (99 % of time). However, there are times when the sun could enter the Zodiac a day before or a day after 14 January. Regardless Lohri is still celebrated a day before Maghi.

A key feature of Lohri is bonfire. Lighting of fire has been common in winter solstice festivals throughout time and the world. It signifies the return of longer days. The bonfire is an ancient tradition forming a key part of Lohri tradition.

Ceremony During the day, children go from door to door singing folk songs. These children are given sweets and savories and occasionally money. Turning them back empty handed is regarded inauspicious. Where families are welcoming newlyweds and new born, the requests for treats

The bonfire is lit at sunset in the main village square. People toss Sesame Seeds, Gur, Sugar, Candy and Rewaries on the bonfire, sit around it, sing and dance until the fire dies out; some people perform a prayer and go around the fire. This is to show respect to the natural element of fire. It is traditional to offer guests. Till Gachak, Gur, Moongfali, and popcorn. Milk and water is also poured around the bonfire by Hindus. This

Lohri

festival ritual is performed to thank the Sun god and seeking his continued protection.

Lohri Song

Translation

Kite flying Kite flying on Lohri is popular in some parts of Punjab. People get onto the rooftops and fly kites of various colors and size. Celebration In houses that have recently had marriage or childbirth, Lohri celebration will reach a higher pitch of excitement. Lohri rituals are performed with accompaniment of special Lohri songs. Singing and dancing form an intrinsic part of the celebrations. People wear their brightest clothes and come to dance the ‘Bhangra’ and ‘Giddha’ to the beat of Dhol. Punjabi songs are sung and everybody rejoices. Sarso da saag and Makki di roti is usually served as main course at a Lohri dinner. Lohri is a great occasion that holds great importance for farmers (or Punjabis). Dulla Bhatti Over time, people have associated Lohri to the tale of ‘Dulla Bhatti’. The central

Over time, people have associated Lohri to the tale of ‘Dulla Bhatti’.The central theme of many Lohri songs is the legend of Dulla Bhatti, who lived in Punjab during the reign of Mughal Emperor Akbar. He was regarded as a hero in Punjab.

theme of many Lohri songs is the legend of Dulla Bhatti, who lived in Punjab during the reign of Mughal Emperor Akbar. He was regarded as a hero in Punjab. Besides robbing the rich, he rescued poor Punjabi girls, being forcibly taken to be sold in slave market of the Middle East from the Sandal bar region. He arranged their marriages to boys and provided them with dowries. Amongst them were two girls Sundri and Mundri (married in 1614) who gradually became theme of Punjab folklore. So some Lohri songs express gratitude to Dhulla Bhatti. Other legends of the origin of Lohri festival Some people believe that Lohri has derived its name from Loi, the wife of Saint Kabir. There is a legend amongst some people that Lohri comes from the word “loh”, which means the light and the warmness of fire. Lohri is also called Lohi in rural Punjab. According to another legend, Holika and Lohri were sisters. While the former perished in the Holi fire, the latter survived with Prahlad. Eating of Till (seasome seed) and Rorhi is considered essential on Lohri day. Perhaps the words Till and Rorhi merged to became Telrorhi, which eventually got shortened to Lohri.

Other parts of India Lohri coincides with the festivals of Pongal, Bhogali-Bihu and Bhogi. In Andhra Pradesh the day preceding, Makar Sakranti is called ‘Bhogi, and this is when people discard old and derelict things and concentrate on new things causing change or transformation. At dawn people, light a bonfire with logs of wood, other solid fuels and wooden furniture at home that are no longer useful. The disposal of derelict things is where all old habits, vices, attachment to relations and material things are sacrificed in the sacrificial fire of the knowledge of Rudra, known as the “Rudra Gita Gyan Yagya”. It represents realization, transformation and purification of the soul by imbibing and inculcating divine virtues.

Achala

W/o Shri Narendra Garg Ludhiana Zone

Taarangan

December, 2016

n today’s world we all prefer a fast paced life..a life where we barely have enough time to sleep well and eat well. Being working professionals leaves one with even more less time for even the basic everyday routines of life and so the question of nurturing a hobby seems to be out of question. But the one thing that we all tend to forget is the fact that despite all the hustle and bustle and the hectic schedules, we all need some time for recreation or we may term it as some “ME” time. Different people adopt different hobbies for recreation. While some choose playing sports, others may prefer music. While some may love gardening, others may choose cooking as a hobby. As I am an ardent reader..a person who believes that come what may there is always some time for reading a book..I

• Reading undoubtedly enhances our knowledge and changes a lot in our personality; by the time that we finish a book we realize that it has impacted our life in a certain way. • Reading builds confidence. • Reading develops imagination and we tend to become more creative. • Reading develops conversation skills. • Reading takes us to another time and to another world and we get to see the world through the eyes and perspective of someone else. • Reading is a magical way to escape boredom. • Reading a good book is like having a conversation with great men. With all the above mentioned advantages of reading. I believe that a lot of us would love to go back to books and would love to dwell in all the wonderful treasures that it has to offer us.

For the Love of reading

In today’s world we all prefer a fast paced life..a life where we barely have enough time to sleep well and eat well. 44

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would love to elaborate on the advantages of reading books. As someone wisely said “a house without books is a house without windows” let us elaborate the advantages of reading books: • Reading enhances vocabulary, you can learn and then use the different words that you come across while reading a book. • Reading broadens our mental horizons and makes us tolerant as we start taking the view points of others without losing patience. • Reading relaxes us mentally and makes us focused.

And as J.K. Rowling wisely said “I do believe something very magical can happen when you read a good book”. Let’s all believe in this and make reading our hobby, our habit, our love. Happy Reading… Shweta Agarwal Kanpur Zone

expression

MY REAL LIFE

EXPERIENCE

Reading “A Lesson in Humility” today, my memory travelled back to September 2009 when I had reported in Jakarta, Indonesia as Director (International Banking) of a relatively small private Indonesian bank "Bank Swadesi", which by the time I left Jakarta in August 2012 had become midsized and rechristened "Bank BOI Indonesia". took charge in Bank Swadesi on 1st September, 2009 in the afternoon. I asked the President Director of the Bank, an Indonesian Lady, whether it would be in order if I go to the Indian Embassy to get myself introduced and registered with them. She said that she has the telephone number of one First Secretary (Consular-Division) in the Indian Embassy and I can talk to him in this respect. I talked to the gentlemen who invited me to visit him next morning. When I visited him next morning, out of curiosity I asked him who was the Ambassador of India and whether he was in town? He told me that his good name was His Excellency Mr Biren Nanda, IFS (1978-batch), and yes he was in town that day. Then I asked him whether he is accessible for paying him a courtesy call with no official work, some other day. He dialed the Ambassador’s Secretary and asked her whether she can fix my appointment with His Excellency. Within 7-8 minutes I was called to a waiting room with well decorated walls, adorning photo frames of Mahatma Gandhi, all the previous and in-office Presidents and Prime Ministers of India. Another 2 minutes, an elegantly dressed Secretary came, wished me, requested me to stand in front of a door marked “Private”, while she stood 2 feet sideways from me and gently knocked on it, one hard and two gentle taps,. Voila, the door opened inside and one grey haired gentleman in ivory buttoned up suit extended his hand to me saying,” Welcome to Indian Embassy in Indonesia Mr Sinha, I am Biren Nanda.” Before my legs and tongue could stop shaking in utter surprise, Ambassador Nanda led me to the heavily padded

leather sofa-set kept towards the right hand side of his room (which was almost the size of my apartment). He made me sit comfortably, then stood up and gracefully handed me his visiting card (which even had his mobile number) with a little bow. In return I also stood up, knelt, accepted his card in a manner as if I have been decorated with an Award of Excellence by him, profoundly apologised that my business cards have not been printed yet. He politely said “Mr. Sinha, you have landed from India just yesterday; it will take Bank Swadesi a few days before they obtain a local Mobile Number SIM for you and then get your visiting cards printed. After that, please mail me your card. Please don’t worry, till then, my office will have your office coordinates.” What An Enormous Home-Work Done In Just A Couple Of Minutes Before Meeting A Visitor? One more junior looking lady entered, bowed and stood at a distance of 8-10 feet from us. Ambassador Nanda asked me whether I like tea or coffee MORE (instead of asking me whether tea or coffee). I politely said that I am good, to which he told me that the pantry has Lipton Yellow, Taj Mahal, Assam Green, Nescafe, Filter Coffee. Then he took the decision himself and told the lady “Serve piping hot tea with Taj Mahal (Tea Bags) today, before our guest develops a taste for Indonesian tea or coffee.” Starting the conversation himself, the Ambassador asked me about my background, my family, Bank Swadesi as it was today, my vision as to where I want to guide it to etc. Followed by the information that he was an economist turned diplomat, and will feel pleasure in meeting me since I was from finance and

banking. A Thoroughly Professional Approach Before leaving, when I thanked him profusely that he allowed me an appointment in shortest possible time and gifted me with more than 10 minutes of his precious time, he smiled “Mr Rakesh, had I been pre-occupied in some more important work than meeting a fellow Indian, you would not have got an appointment today. So do not feel that I have bestowed any favour on you. The pleasure was entirely mine meeting you. "Namaste". And walked up to the same door, to reopen the same for me. A Lesson In Humility Par Excellence I walked out of the Embassy building and occupied rear seat of Bank’s Car with my mouth still open and my eyelids still not blinking, and told the Chauffeur to drive me back to my office. In 2012 Ambassador Biren Nanda was relocated by the President of India to Canberra, Australia as Indian High Commissioner to Australia & New Zealand (ANZ), from where he superannuated from Indian Foreign Service in January 2015. Numerous management lessons which I learnt within 15 minutes that day, I tried to emulate during my remaining working days in Jakarta and Mumbai offices while in service, realising that my subordinates and clientele have complete mis-conception of me being a big boss within the bank/s. How many of those lessons I could emulate, I really do not know .........

Rakesh Sinha

DGM (Retd.), Lucknow

Taarangan

December, 2016

EIFFEL

TOWER PARIS (FRANCE)

aris, the capital of France, is third most visited city in the world after Bangkok and London. It is also known as the global capital of art and fashion, being trendsetter of world’s fashion. Eiffel Tower and Arc de Triomphe are two of the most iconic landmarks and inspired many novels and movies. Paris is nicknamed “La Ville-Lumière” which means “The City of Light,” referring to its role as the centre of enlightenment and its beautiful arrays of street lighting. Named as one of the greenest city in the world, Paris is also one of the most expensive cities to date. With a 2000-year history stretched, there are about 3,800 historical monuments in Paris and four sites which are declared as UNESCO World Heritage sites. The city has more

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than 130 museums including world’s second most visited Museum Louvre, which hosts amongst its priceless artefacts, most talked and most precious painting of Mona Lisa, creation of Leonardo da Vinci. Worldwide, it is first choice as honeymoon destination. Remember, that famous Kangna Ranaut’s trendsetter Bollywood movie and my personal favourite, “Queen”. The versatile and bindas life style in Paris and later in Amsterdam, overhauled her mindset completely. Nothing has been exaggerated in the movie, life there is like that only. There are many other Bollywood movies which have showcased Paris and surroundings. It is also my view that Paris is most scenic and planned city with a combination

In the last days of World War, Hitler, on the verge of defeat, ordered its demolition but his General in charge of Paris disobeyed him. No doubt, the entire art loving society in the world is indebted to this General, who dared to defy Hitler and saved one of the most valuable monument for future generations.

TRAVELLOUGE of medieval and modern architectural landmarks, standing in close vicinity. Walking in the lanes or by -lanes of the city is a treat to eyes. Amongst thousands of monuments scattered all over Paris and in suburbs, Eiffel tower stands number one in the top four iconic symbols of Paris, other three being Louvre museum, Arc de Triomphe and Notre Dame cathedral. In this article, readers would find some shots of the tower from close range which highlight the beauty of this gigantic steel work and its design engineering, created by one French Civil Engineer named Gustave Eiffel, some 130 years ago. (Gustave Eiffel. (Eiffel also created the internal frame for the Statue of Liberty.) It was constructed to commemorate the centennial of the French Revolution and to demonstrate F r a n c e â&#x20AC;&#x2122;s industrial prowess to the world.

EIFFEL TOWER At the banks of river Seine stands the 324 meters (same as 81 story building) tall, steel structure of Eiffel Tower. It has the same iconic value to Paris, what Statue of Liberty is to New York and Big Ben to London. It is also the most photographed man made structure in the world. Constructed in 1887-89, it had been made as the entrance gate for 1889 World Fair. Due to its sheer size, unorthodox design, and construction cost, even at the design conceptual level of the tower and later during construction period, it was subject to several controversies and opposition from local artist and intellectual groups, who considered it a giant steel structure like a smoke chimney, a spoiler of the beautiful skyline of Paris and huge waste of public exchequer. At the time of German occupation of France in WW2, the lift wires of the tower were cut by the French so that Hitler has to climb up the tower if he so wishes. In the last days of World War, Hitler, on the verge of defeat, ordered its demolition but his General in charge of Paris disobeyed him. No doubt, the entire art loving society in the world is indebted to this General, who dared to defy Hitler and saved one of the most valuable monument for future generations. The total weight of steel used for erection of tower is 10100 tons. 60 tons of the paint is used every 7 years to paint it. Tower has 3 levels of visitorâ&#x20AC;&#x2122;s platforms. Lifts are available up to level 3 at the height of 276 meters. Staircase is available up to 1st and 2nd levels with almost 300 steps for each level (only extremely physically fit person to dare). There are restaurant and souvenir

shops on both lower levels. Tickets for elevators or starecase route can be booked on line. There are long serpentine queues visible either to buy ticket or waiting for lifts, throughout the day. Once up the tower one gets a 360 degree, a breath- taking of downtown Paris and even suburbs. The tower remained open 365 days a year. The tower grows almost 6 inches due to heat of the sun as the steels expand. The tower gets illuminated at night. It is also installed with beacon light at the top which throws the light beam up to a range of 80 km. Some interesting facts about the Eiffel Tower - It were initially thought to be pulled down after 20 years. A lady jumped from the tower to commit suicide but landed on a car top, survived and later married car owner. Once, the tower was sold by a con to a scrap dealer. One inventor died by jumping from tower while testing his own designed parachute. One neighbouring resident tried to dynamite the tower at its light were disturbing his sleeps. A pilot tried to fly his plane under the tower but died as his plane crashed. Before you take next plane to Paris, a small caution note; you will be surrounded by lot of black or Asian people on a popular tourist spots selling souvenir or other small merchandise. Be careful and always keep one hand on your pocket to protect your dollars and other valuables.

Atul Chandra Gautam

Ex-Staff, Mumbai

Taarangan

December, 2016

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Taarangan

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Taarangan

December, 2016

star sakhi / OTHER ACTIVITIES

Team Members of “Star Sakhi” Mumbai organised “Star Sakhi Bazaar” at Star House, Bank of India Head Office. The income from the event is used for the welfare activities under taken by the TEAM STAR SAKHI MUMBAI for the welfare of needy and downtrodden people.

Team Members of “Star Sakhi” at STC Noida celebrating Navratri festival led by Mrs. Pranita Garg w/o Shri D K Garg, GM, NBG, North-1.

President AIBRF Shri S M Deshpande welcoming GM (HR) during 4th Triennel Delegate Session of the Federation of BOI Retirees' Associations held at Lonawala (Maharashtra).

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efomebyej, 2016

Bengaluru Zone DZM Shri Anirudhha Dasgupta paying tributes with floral wreath to Late Major Akshay Girish Kumar martyred in the terror attack at Nagrota (Jammu).

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Bardhaman Zone stood 2nd in 'KRISHI PREMIER LEAGUE' organised by NBG(E). ZM Shri Salil P Banerjee and Manager (Agri) Shri Sambaran Palit holding Trophy.

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Taarangan

December, 2016

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AGM (HR) Shri Vikram Sinha, Principal (ITTC) Shri Subhash Keskar, Mgr. (HRMS) Shri Amit Yadav and faculty members along with participants (HRMS personal)from Zonal Office during HRMS WORKSHOP organized by HR, Head Office at ITTC Pune

GM NBG(C) Shri R K Mitra, GM (Treasury) Shri R Ganeshan, DGM Shri D Shekawat & Shri N K Mehta, DZM Shri A Banerjee along with faculty and participants during FOREX Training Programme organized at Ahmedabad.

STC Chennai organized a unique "WORKSHOP ON E-PAYMENTS to sensitize officers with the various E-Payment products & services of NPCI.

Two days Workshop for Liaison Officer for OBC conducted at MDI Belapur by SC/ST Cell, HRD, HO. GM Shri R C Thakur, Guest Faculty Shri H K Waghmare, Sr. Mgr. Shri Gayalal Majhi and other Faculty Member of MDI with the participants.

Taarangan

December, 2016

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ASSOCIATION OF BUSINESS COMMUNICATIOR OF INDIA (ABCI) ANNUAL AWARDS 2016 AT MUMBAI.

TAARANGAN 'CHAMPION OF CHAMPIONS'

BOI In-House Journal ‘TAARANGAN’ conferred with ‘CHAMPION OF CHAMPIONS AWARD’ by Association of Business Communicators of India (ABCI) 56th Annual Awards @Vivanta by Taj, Mumbai with ‘5 other awards’ under various Categories on 28th October 2016. GM (HR) Shri Mrityunjay Kr. Gupta, GM NBG (W-1) Shri Inder Mani Malik, ZM Mumbai South Zone Shri K Rajaraman, ZM Mumbai North Zone Mrs. Mamta Bhatt and Editor Shri Sartaj M Shakeel received the Awards