'Taarangan' Golden Jubilee Edition September 2014 by Sartaj Mohd Shakeel

Bank of India’s Quarterly House Journal September, 2014

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GOLDEN

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1964 - 2014

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1980

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Memories...

Editors so far... • Shri Jasubhai Patel • Shri Basavaraj Urs • Shri Correa • Shri Yatin Rele • Shri V M R Nair • Smt. (Dr) Shashi Sharma • Shri M Sebastian • Miss V S Kambli • Shri U N Pandey • Shri Rakesh Sinha • Shri (Dr) Sanjeev Pathak • Shri Sartaj Mohd. Shakeel

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2014

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GOLDEN JUBILEE YEAR 1964 - 2014

11 (A Government of India Undertaking) Volume - September, 2014 A Quarterly Bilingual House Journal of Bank of India

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5 Editorial 9

Rediscovering the Star

10 ‰¸¸¬¸-‰¸¸¬¸ 11 Awards 12 Taarangan - Voice of BOI Parivar

13 Star Toon

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Editorial Board Charan Singh

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General Manager

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B V Upadhye

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General Manager

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R C Baliarsingh

14 Experimenting with Change

28 Foundation Day

18 Gazi – The Epitome of Honesty

30 Walk From Kashmir To Kanyakumari

19 Corporate Child Care: Need of the Hour

32 œÏš¸¸›¸Ÿ¸¿°¸ú ¸›¸-š¸›¸ ¡¸¸½ ¸›¸¸-Š¸¢÷¸¢¨¸¢š¸¡¸¸Â

20 Point of Sale Terminals 22 109th Foundation Day Celebrations

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General Manager

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Editor S M Shakeel

26 Felicitation of Outstanding Employees on Foundation Day, 2014.

33 Stanford University 34 Photo Feature 36 Confessions 38 Excellence Management Some Stray Thoughts 40 Limca Book of Records 42 Journey towards Success

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Chairperson & Managing Director's Message

Dear Colleagues,

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At the outset, let me congratulate and share my joy with all the staff members and readers of our In-House Journal ‘Taarangan’ on its Golden Jubilee Edition. The journey of 50 years has been successful and remarkable one. Formally, started with the name “Bank of India House Journal” in 1964, later on ‘Teller’ and finally ‘Taarangan’, the journal has strong bonding with its readers and has won the hearts and minds of the staff members and their families. The In-house journal is a significant medium of internal communication and employee engagement. The purpose of house journal is to communicate with staff members the achievements, priorities and perspectives of the institution in both commercial and social spheres, highlighting the achievements of staff and their families, share views, ideas and provide platform to staff for creative thinking. Undoubtedly, down the years, Taarangan has played these roles impressively and effectively in the bank. My appreciation to Editorial Board Members and Editors of past and the present. Apart from the affection of readers, the success of journal also reflects through the awards and accolades, it receives. Our House journal has been recognized by various institutions at regular intervals. However, in last three years, Taarangan has done exceptionally well and has received 14 awards from various reputed institutions including two International Awards out of which one international award was recently given by CMO Asia at Singapore. My heartily congratulations to each one of you. I am confident that Brand ‘TAARANGAN’ will rise more in years to come and Team Taarangan will continue with its best efforts to make it more richer content wise. Let us together march ahead into a new dawn with renewed vigour. With Best Wishes

(V R Iyer)

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EDITORIAL ¬¸¿œ¸¸™ˆÅú¡¸ Dear Readers,

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We are indeed very proud to handover the ‘Golden Jubilee Edition’ of our In-House Journal ‘Taarangan’ to all of you. The journey of Taarangan since 50 years has been splendid one; the credit goes to the patronage of top management, guidance of the editorial board, strong support, contributions and immense love of staff members & readers, and sheer hard work of editors, which has made Taarangan a part of the life of every member of the BOI parivar. Your inquisitiveness, enthusiasm & affectionate responses for Taarangan have always inspired us to innovate. It also reminds us of our responsibility, which we strive to fulfill with full dedication. After taking over the work as Editor of Taarangan and handing over the first issue (June 2011), we had promised to the staff members and readers that we will leave no stone unturned to put ‘Taarangan’ in the arena of International Brand for excellence in In-house journal. Today, it gives us immense pleasure to share that with your unprecedented love and support, our In-House journal has been recognized internationally. From last two consecutive years, our journal has been awarded for brand excellence in house journal by International Institutions. Moreover, almost every institution of repute recognizing the work of In-house journal in the country has appreciated and rewarded ‘Taarangan’. The phenomenal journey of 50 years is a reflection of the Taarangan’s success. From last five decades, Taarangan has changed itself as per the need, to which it has always received full support and thus, has been able to touch the new heights of success in each decade with a new freshness. Also, from past two-three years, we are doing everything possible to make Taarangan richer content wise. We wholeheartedly thank our eminent readers & contributors for supporting us and appreciating our each endeavor. The current issue carries several activities/events organized/conducted during the quarter in the bank. We have tried our best to make this issue informative, interesting & entertaining by including good articles and compositions of our staff members. We not only hope but also have full confidence that we will definitely get your affection through responses at Headoffice. Taarangan@bankofindia.co.in With Best Compliments

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

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Special Interview

Taarangan

Playing Effective Role in Developing Connectedness and Belongingness towards the Institution and also amongst the Staff Members and their Families. information sharing, exchanging ideas and motivating staff members in the bank. The General Manager (Human Resource) is the Chairman of Editorial Board of ‘Taarangan’. As Taarangan marks history, we got an opportunity to talk with General Manager (HR) and Chairman, Editorial Board Shri Charan Singh. Sir, First of all many thanks for your valuable time and contributions towards In-House Journal ‘Taarangan’. This is indeed first ever interview of any Editorial Board Chairman. Thank you, it’s my pleasure. What are your feelings as Chairman of Editorial Board on this historic day of our In-House Journal ‘Taarangan’? It’s a great feeling and I am happy that I am part of this historical event and share my joy with all my staff members. Moreover, Taarangan has always been important to me. Shri Charan Singh General Manager (HR)

ur In-House journal ‘Taarangan’ has completed its journey of 50 years. The long, successful and splendid journey of our journal is enough to speak the volume of work, it has done over the years. ‘Taarangan’ has always enjoyed love and affection of staff members and its readers. Apart from the contribution and participation of staff members, the success of In-House Journal also depends on the support and encouragement from the Top Management. Besides Editors & Contributors, ‘Taarangan’ has been very fortunate to have brilliant Top executives as its Editorial Board Members which has immensely contributed towards the success of our In-House Journal. ‘Taarangan’ is a part of Human Resource Department since its inception and has always played an important role of employee engagement, internal communication,

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What are your memories with In-House Journal of the Bank ? When you saw first glimpse of bank’s InHouse Journal. When I joined the Bank in 1983, Taarangan was published with the title ‘The Teller’. Most of the staff of 80’s still remember our In-house journal as ‘Teller’. I first came across with In-House journal during my first posting. During those days ‘Teller’ used to be the most sought magazine in the families of BOI staff members. Every family member of the staff used to go through it and feel being part of Big BOI Family. What are your views on roles and responsibilities of In-house journal in the bank? In earlier days when we were not having social media links like facebook, whatsapp, mobiles, internet etc, our house journal used to be a strong medium for connecting with the colleagues working in different parts of the country. Our house journal has played effective role in developing that connectedness and belongingness towards the institution and also amongst the staff member and their families. I am proud of that.

Special Interview Sir, it’s always said that Motivated employees deliver more productively? In your opinion, are house journals helpful in motivating employees?

How can In-house journal contribute as Management Messenger?

There are various modes of communication between I always believe that motivation is key to success. I have management and the staff and In-house journal is one of seen the photos of the staff members in our journal them. It works like a messenger of the Management. It who have done extraordinary work in their personal and carries message of the management and provides complete as well as in professional lives. It is an important way of information to staff members on the programmes, promoting, encouraging and motivating employees. Apart, activities, product launch, awards, achievements and the staff share their views on different aspects with their various other events being organized in the bank, which in experience, which further helps in motivating other staff turn inspires staff to perform their role in an excellent way members. For e.g. if somebody has used so that they may also become role model for good skills for NPA recovery and has got others. We know that the reach of our house When I joined fruitful results. By sharing his experience, journal is much larger and has its own brand Bank in 1983, he can encourage other staff members to value. The staff members of the bank are Taarangan was do the same. It also applies to other fields well connected with the house journal and published with the viz. travelling, use of technology, adventure share an emotional bonding with it. Yes, we title ‘The Teller’. and health etc. may call it as Management Messenger. Most of the staff Our In-house journal includes articles When world is going digitized and social of 80’s still and write-ups of our staff members. Do media rising day by day. Do you feel remember our you feel that increased participation is that our In-house Journal ‘25 years down In-house journal required from senior executives so that the line’ will be more effective medium as ‘Teller’. I first new Generation can be guided properly. of communication amongst Bank came across with employees. In-House journal I always have a feeling that those who have good writing skills must share their Yes, I am sure our In-house journal will during my first knowledge & it’s always beneficial for the emerge as more effective tool for internal posting. During institution. It becomes more appropriate communications in coming years. Taarangan those days ‘Teller’ when knowledge is shared by some is already providing its online edition to used to be the experienced person of particular field. its readers particularly to retired staff and most sought Every senior executive must contribute to family members of BOI Parivar. I can see magazine in the the journal to share their knowledge and digital edition coming down the years. The families of BOI do their job of guide/mentor for new importance of printed copies will continue staff members. generation employees of the bank. for some more years. However, I am sure Every family that we will celebrate 75 years with digitized We have seen many times a very casual member of the edition. approach of Institutions towards its Instaff used to go House Journals. Your comments? 50 years down the line what will be the through it and feel role of In-house journal when our See, House journal represents the particular being part of Big In-house complete centenary (100 years). institution. Therefore, it’s important to give BOI Family. proper consideration to the House Journal. I am very sure that our In-house journal I think, here the role of Editor is very important. He is on completing 100 years will be more vibrant and very the only person whose vision and presentation matters. high on technology platform. The banking would have If he presents his work in effective way, it will be noticed been changed and all world would be digitized world. I and appreciated. Consider our bank, we have always been am confident our In-house journal will share same strong proactive. According to present need, we have given bonding and shall continue winning hearts and minds of responsibility of editorship to new generation and results our staff members and their families in future. are in front of all.

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Do you think that time is appropriate to create a post of specialized officer (Editor) in the banks for In-house journals. This question is pertinent as today in each bank In-house journals are being published without specialized/professionals.

around 30% who are below the age of 30 years and have very few years of service in bank. So, there is short of generation gap in the staff and the line is very thin in the middle bracket of 30-50 years, which actually works as a link between the two. Here, House journal has to play a very At the moment, we do not have We need to have some special issues active role in establishing connect any specialized officer post as or reserve pages for our between these two groups of our Editor and a person with proper young stars where they can express staff members so that the young background, qualification and their views and ideas. generation can get advantage of vision is selected for the same. Their involvement as on date is not the experience and wisdom of the However, in the time to come, much in house journal. elders and elders can be benefitted we may think on this aspect of through new ideas, vibrancy and We need to involve them through recruiting/appointing professionals energy level of young generation various measures if we want a as Editors for our House Journal. staff. We need to have some special consistency in our progress. What is the role you perceive for issues or reserve pages for our the House Journal in the coming young stars where they can express years? their views and ideas. Their involvement as on date is not In coming 5 to 10 years, around 45% to 50% ( 25% in much in house journal. We need to involve them through next 5 years and 20% in another 5 years) of staff will various measures if we want a consistency in our progress. be retiring. The other major group of staff constitutes

Interviewed by - S M Shakeel, Editor

‘Taarangan’ sparkles in the skies of SINGAPORE ‘Taarangan’ conferred with International Award ‘Best In-House Magazine’ by CMO Asia at Singapore

General Manager (HR) Shri Charan Singh & Editor Shri S M Shakeel receiving the Award at Singapore

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(L to R) DGM (HR) Smt. K R Srimathi, GM (HR) Shri Charan Singh, CMD Smt. V R Iyer & Editor Shri S M Shakeel at Head Office

Knowledge Plus

Rediscovering the Star

Corporate logo symbolizes the ideology of what our corporate logo represents and what it means to the Institution which it represents. The our customers at large. Rediscovering the Star in itself is stake holders take pride in the corporate a major step to understand the ideals of the organization. logo since it depicts the vision and mission of the Our Corporate logo, “the STAR” epitomizes the true spirit organization to which they are attached of our Bank. It reads as under : to. It gives them the confidence. The logo represents the commitment of the OUR EMBLEM organization to the core beliefs and values, The Bank of India emblem epitomizes the corporate and once the logo represents its products, personality and basic policy of the Bank. In conception the impact is immense in improving the and design, it is a harmonious blend of the traditional and visibility of the organization. the functional. “The identity of any business has to have a strong rational Within the central circle lies the Bank’s seal - a symbolic and functional support that serves the deeper needs of the and stylized representation of Mother India, signifying. customer. Having that as skeleton, you can elevate your Bank of India’s continuing consciousness of the legacy of proposition to the subconscious mind of your customer. the national past. The first time people see an identity they must be provoked The five prongs of the star represent the Bank’s pragmatic by it so that an interest develops in the organization” (Mr. aspect - banking service extending over five continents. The Shombit Sengupta in Business Standard). The corporate single elongated point, yearning upwards, conveys Bank of logo infact should create an India’s unceasing endeavour to PRESENT emotional surplus identity in achieve ever-ascending goals. RELATIONSHIP BEYOND BANKING the minds of the customers The star has yet another aspect of the organization at large - it is a beacon and guide to PREVIOUS and the people serving the RELATIONSHIPS BEYOND BANKING those in need of direction. It organization in specific. When THE BANK THAT CARES…. symbolizes the Bank’s perpetual the Bajaj Group of Companies WHERE SERVICE MAKES THE DIFFERENCE. readiness to assist anyone changed their logo some time common man and business YOU HAVE FUTURE IN THE STAR. ago, Shri Rajiv Bajaj opined man alike - in steering a course that “It is a new identity that through the contemporary presents a dynamic, vibrant and exciting image that maze of monetary affairs. showcases inspiration and confidence through excitement engineering.” Globally, all the organizations realized that Last of all, the star has astrological significance: it is a good corporate logo promotes the company and the determinant of times to come. Bank of India sees this as a commitment - to ensuring that the corporate emblem product. shines as a harbinger of a bright future for all. Our corporate logo, “STAR” represents our values and the direction which we will be adopting in conducting Let us rededicate ourselves to stand to the ideals of the business. Linking each product of the Bank to the logo Bank which are truly represented in our Corporate logo. gives a major push to the product and it will ensure that the Addition to the logo, the tag line speaks volumes about the customer is explained not only the product but the whole ideology of the Bank. These tag lines change from time to organization which has developed the product. Our Bank time to meet the changing focus of the Bank. Prior to our links all products to our logo such as Star Home Loan, Star present tag line, these were the tag lines used by the Bank from time to time. Personal Loan etc. Our Corporate logo symbolizes the ideals and aspirations of the Bank. Through its depiction, the Bank confirms to the customers how their banking needs are serviced and P.t.s. Murthy what customers can expect from this great organization. AGM (Rtd.) It is, therefore, necessary that each one of us understand Email : ptsmurthy@yahoo.com

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

‰¸¸¬¸-‰¸¸¬¸ /Khas-Khas

CMD Smt. V R Iyer, EDs Shri B P Sharma, Shri Arun Shrivastava, Shri R Koteeswaran, Board Directors, GM (HR) Shri Charan Singh at the release of Handbook titled ‘Star Companion’ prepared by HRD, Head Office.

CMD Smt. V R Iyer inaugurating NBG (W) New Office at Fort in the presence of ED Shri Arun Shrivastava, GM (HR) Shri Charan Singh, GM (Retail) Shri R C Baliarsingh, GM NBG (W) Shri Tarlochan Singh & ZM MSZ Shri Dinesh K Garg

CMD Smt. V R Iyer addressing the customers and staff members during her visit to Chennai Zone in the presence of GM NBG (S) Shri Kulbhushan Jain, ZM Shri Sripada S Rao

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

œ¸º£¬ˆÅ¸£/Awards

The then Hon. Chief Minister of Goa, Shri Manohar G Parrikar visited our Goa Zone, Porvorim Branch. Sr. Branch Manager Shri G M Deshmukh along with the Shri Parrikar

Hon’ble Union Minister for MSME, GOI Shri Kalraj Mishra inaugurated our Bank's SME Stall at MSME summit, Pragati Maidan, New Delhi along with SME Officials

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Ranchi Zone - Launch of GEOSANSAAR (Scheme for urban financial inclusion) in Jharkhand State at the hands of IT Secretary, Govt of Jharkhand Shri N N Sinha along with ED Shri R Koteeswaran, NBG (J&C) GM Shri Jain Bhushan and ZM, Ranchi Shri Inder Mani Malik

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CMD Smt. V R Iyer receiving the `Dun & Bradstreet - Polaris Financial Technology Banking Awards 2014' at the hands of Shri Yashwant Sinha at Hotel Palladium, Lower Parel, Mumbai

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Kerala Zone DZM Shri M E Prabhakara receiving award from Hon’ble Minister of Panchayat, Social Justice Dr. M K Munir for significant performance in lending to Kudumbashree Micro Enterprises of women beneficiaries during 16th State Annual Conference held in Kudumbashree

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Taarangan - Voice of BOI Parivar

epending on the circumstances, a major anniversary can put you in any number of moods, Celebratory certainly. Maybe a little wistful. Depressed, if you’re built that way. But in an age when nothing seems to last — not convictions, not even cities — a Golden jubilee, like the one Bank of India’ Corporate magazine celebrates this year, makes me marvel at the simple fact of longevity. Formerly The Teller and now captioned Taarangan, this magazine is 50 years young, and a unique corporate history of people, culture and a strong identity. One notices a tone, a style of writing, a form of typical banker’s humor, and a stance toward the culture that have, over the course of a long and tumultuous half century, remained not only constant but also fresh. That isn’t the case with all magazines, even venerable ones. The age spots darken. The gums That isn’t the recede. Yet pick up any issue of the current Taarangan from any case with all year and you feel as if you’ve magazines, resumed a conversation that was even venerable interrupted just a few moments ones. The age before. (Over the years, the only spots darken. part of the magazine that dates itself quickly — aside from the The gums recede. Yet pick photographs, — is the staff, and in most cases the staff age in the up any issue most charming ways, and almost of the current always hark back to a simpler Taarangan from time.) “How old would you be any year and if you didn’t know how old you were?” About Taarangan I’d say you feel as if you’ve resumed this: Whatever age we are is the a conversation age we’ve always been.

that was interrupted just a few moments before.

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Epochal turning points are generally recognized as such only in retrospect with the BOI You communicate with customers daily — pushing promotional

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material their way. Ads, brochures, marketing materials, mailings, your Website. The question is: How do you pull customers in, engage them with deeper content, and present a point of view that isn’t overtly promotional? You create a corporate magazine. Unlike marketing materials, a corporate magazine speaks with an independent, journalistic voice that’s interesting to your customers — and favorable to your institution. If done right, your magazine will gain a strong readership and demonstrate that your company is committed to sharing information, rather than just selling. Corporate magazines are becoming an increasingly important component in the marketing mix; a corporate journal must capture the essence of its industry. It’s not about only Banking or only staff or only Events or only Administration. BOI’s corporate journal now, often quotes figures and statistics, and it reports on people and events from varied backgrounds and cultures and ethnicities, reflecting its homogeneous staff and multiplicity, but in the end it’s just all human beings. My first introduction to BOI was when I met the genial Personnel Officer, Mr. Mhatre at Main Office. He welcomed me so graciously and sent me to the Fort Branch on October 2, 1974, which at that time was not a Bank holiday. Having been Editor of the Government Law College publications, and having been published in national magazines including the Illustrated Weekly of India, and other national journals, I was always interested in writing and followed the erratic publishing of the then Teller. When at Churchgate Branch, I worked with Peter Fernandes and Wilkie Correia (former editor of the Teller), and we formed a team, in which I was roped in for editing and correcting proofs for the Busy Banker’s Handbook. Many a staff owes their promotions to these handbooks that used to be published. Those were interesting times. Sometime then, Taarangan came into being, the epitome of the Indian banking corporate journal, multilingual and

multicolored. The format changed, more funds seemed to have been allotted for its production and BOI had a recognizable identity, design, quality and creative value. Also at that time, Taarangan seemed to have been blessed with a spate of intellectual Taarangan Editors who turned this staid banking house journal into seemed to have something more attractive been blessed and readable. These many with a spate facets were combined with of intellectual great consistency and became Editors who somewhat more periodical. I am sure the second 50 years of the BOI House Journal will continue with the same energy and enthusiasm of the first 50. This is why this commemorative issue to look into the Bank’s house journal of 50 years old, reflecting the 110 year history in an alternating series of perspectives, actions and words from people that work at and interact with the company, contributing to making it better every single day.

turned this staid banking house journal into something more attractive and readable. These many facets were combined with great consistency and became somewhat more periodical.

My articles were published including that to London, Dallas, Texas, Canada, Niagara, even my friendship with the Maharana of Udaipur, and these were well read by my friends, colleagues, seniors. One article of mine even won an Award for the Taarangan. Magazines have “bones”— the unchanging elements that give structure to creativity— as surely as gardens and houses do. Today’s magazine is different in countless ways from yesterdays. Ours was the generation that saw the growth, the Centenary and the move from Express Towers to BKC. The new glass building added to the iconic skyscape like a massive glass column. Today, BOI has a floating intensity: it floats between worlds, on fluctuating currency exchange rates and IPOs, on speculation and the Yuan of NRIs with PIOs and PCOs who come in droves or on a wave of new wealth as if full of helium. BOI floats on the sedimentary layers of its historic past: Sir David Sassoon, Sir Cowasjee Jehangir, R. Humandrai, etcetera, on September 7, 1906, and it is being remade yet again under diamond pressure! We ex-staffers hope, that Taarangan will co-exist with the Mother Institution of 110 years for another 50 years!

Jude H Gomes (Retd. Staff), Mumbai

Toon

Vinod Dixit NBG (C), Ahmedabad

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Interview

EXPERIMENTING WITH CHANGE Present days, the tension and stress level at workplace has increased very sharply. Earlier, it was not the case; the people had time for themselves also. The needs were limited and demands were less. The changing life pattern and necessity for more work has made people’s life very stressful. Today, when we look at any profession, we will find that stress and tension have not doubled or tripled, they seem to have gone up 100 times. And when it comes to financial sector, stress levels can get insane. And yet you have to deliver your best at the workplace. In this scenario, self-help books have justifiably become popular. But most of the books are general in nature and are almost written by some foreign author. Besides, there is no self-help book written on specific profession or by a specific professional knowing Indian working culture and conditions.

e are proud that today, Bank of India has produced one such writer i.e. Shri R K Sinha, Deputy General Manager, at present working in International Department, who recognized the need of banking professionals and put his hard work besides his busiest banking schedule to write a self-help book acknowledged across world. The must read book is really a gift for all of us. Recently, we talked with Shri R K Sinha on his book. Here are the excerpts.

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Taarangan : Sir, first of all many congratulations on success of your first self-help book X-factor @ workplace. You have really made us (BOI Parivar) feel proud. R K Sinha : Thank you. Yes, it is a great feeling! Taarangan : Tell us about your journey in the bank. R K Sinha: I joined Bank of India as a Direct Recruit Officer in 1982 on completing my post-graduation in Physics with distinction. After initially serving in Bihar, I moved to Delhi where I worked through different key roles before being posted abroad, at Nairobi, Kenya. On my return in 2005, I served as head of Altamount Road and Nepean Sea Road Branches. On promotion as AGM, I was posted at NOIDA Main Branch and then to Lucknow as RBC head. During my tenure (2000-04) at Nairobi, I wrote a weekly column on Management in The Nation, the most reputed daily in Kenya, and also the entire East African region. Lately, I also wrote a fortnightly column “Mission Possible” in Hindustan Times, which motivated young readers to dream big and strive for excellence. I have always tried to set high standards at work and it has been well recognized. I also worked closely with Mckinsey & Co. on change management as part of our bank’s mega re-organizational initiative. The journey, I would say, has been challenging, eventful, enriching and exciting. Taarangan : What inspired you or prompted you to write this book? R K Sinha : While writing for my columns, I used to receive a large number of mails from readers wherein they

Interview would share their thoughts and emotions and also quite often seek suggestions on and solutions for day-to-day work related issues. During this phase, it occurred to me that there is need and place for a book, which explains in a non-preachy and jargon-free way, how young professionals can evolve into an independent, thoughtful, committed and well-rounded individuals and, following some simple steps, could address issues and situations they face during their day-to-day work life. Taarangan : Tell us about this book? How this book is different from other self-help books? R K Sinha : The book does not offer any profound management ideas. It belongs to a different genre. Avoiding the conventional and preachy self-help of narrative, the book underlines the fact that it is not just a skill-set that would guide the professional to succeed and carve a niche, but it is the change in mind-set that plays a key role, and this change in mind-set is what is christened here as ‘X-factor’. Further, the book does not focus only on individual but on the organization as well. It guides the organization on how to shape itself to become an employee-friendly place where the employee feels motivated to perform better and realize his/her full potential. The book also makes changing oneself look simple and doable, and in the process, empowers one to script My advice one’s own mantra to success and happiness. is if you are Taarangan : What was your good/bad experience with writing a book?

daring to dream big, don’t stand on the periphery of action. Act and take ownership.

R K Sinha : Writing, at one level, is a solitary experience. This phase requires support of your family all the more, which I was fortunate to get. Further, you need to commit substantial amount of time, irrespective of your emotional highs and lows and pressures of job. The process tests your ability to manage time and stress. But the feeling to get published itself gives you a kick. And getting your work published from one of the India’s leading publishers is definitely a big plus and gives you a wonderful feeling. Taarangan : Where can readers find out more about you and your work? How can someone purchase this book? R K Sinha : Presently I am not active on Facebook or Twitter. However, I am on with Linked-in.

One can buy the book from all leading bookstores. In an age of e-commerce, it is always easy to buy on-line from Flipkart, Crossword, India Book Store, Tata McGraw Hill Store etc. One can also read the book through Google Books site. Taarangan : Do you have another work in progress? If yes, tell us about it. R K Sinha : Yes, I am working on a book which is based on a novel and interesting concept. It basically deals with understanding interconnectedness between finance, economy, banking and business. The book should contribute to financial literacy at some advanced level. The work is in progress. Taarangan : You were associated briefly with Change Management Process in our Bank. Any thoughts? R K Sinha : Strategic change requires new directions and ways of working. This is unsettling especially if the vision behind the change does not inspire and is not owned by all. Ownership is the key. Anyway, it has been a great learning experience. Taarangan : Sir, you have elaborated on each aspect in the book for organization and individuals. However, what will be your advice to young professionals joining bank? R K Sinha : The young lot entering the bank has high energy level, skill-sets and harbor high aspirations. That is understandable and welcome. At the same time they must develop right attitude and mind-set. Unless you have a positive attitude, passion to excel and confidence to deal with adversity and challenges, you will falter. My advice is if you are daring to dream big, don’t stand on the periphery of action. Act and take ownership. Secondly, do all that is expected and then a little bit more, a little extra. Thirdly, bring out the best in yourself and in the people you work with. This is one of the hallmarks of all great leaders. Last but not the least, as we are in Service sector, let us bring the customers in the centre of our work universe. They are the bedrock of our business. Let them experience our superior level of service evinced through our sensitivity, soft skills and efficiency. Based on their rock-solid support only, we can help propel our organization onto higher altitude. Interviewed by - S M Shakeel, Editor

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

‚¿÷¸££¸«’ïú¡¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ / International Activities

CMD Smt. V R Iyer addressing valued customers at JAPAN

CMD Smt. V R Iyer, GM (Int.) Shri R A Sankara Narayanan, CE Shri S S Banik along with staff members of Japan Branches

Bank of Japan Meeting - Director Mr. Ken Chikada, CMD Smt. V R Iyer, ED Mr. Shigeki Kushida, GM (Int.) Shri R A Sankara Narayanan, CE Shri S S Banik

CMD Smt. V R Iyer, GM (Int.) Shri R A Sankara Narayanan & CE Shri S S Banik with Director General Mr. Kazuhiko Tanak, Governer Mr. Hiroshi Watanabe during JBIC Meeting at Japan

CMD Smt. V R Iyer along with Staff Memebers in front of the Tokyo Branch

GM (HR) Shri Charan Singh & Editor `Taarangan' Shri S M Shakeel at `World Brand Congress' held at Singapore by CMO Asia

CMD Smt. V R Iyer along with CE Singapore Branch Shri D B Mohapatra, GM (Treasury) Shri G M Bhagat, DGM Shri C G Chaitanya and Staff members of the Branch during her visit to Singapore Branch

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

‚¿÷¸££¸«’ïú¡¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ / International Activities

CE Japan Branches (CEJB) Shri S S Banik greeting Hon’ble Prime Minister of India Sh. Narendra Modi at Hotel Okura, Tokyo, Japan during his visit to Japan

CMD Smt. V R Iyer along with AGM & Chief Representative Shri Ajeet Kumar and Staff members during her visit to Dubai Representative Office

Conference of Chief Executives of Foreign Centers was held in Bali (Indonesia). CMD Smt. V R Iyer, ED Shri B P Sharma, GM (Int.) Shri R A Sankara Narayanan along with the CE’s of foreign centers of BOI and other officers

CMD Smt. V R Iyer, ED Shri B P Sharma, GM (Int.) Shri R A Sankara Narayanan and other executives with the local cultural group who performed Ramayana at Bali (Indonesia)

CE Singapore Branch Shri D B Mohapatra visited the oldest old age home in Singapore on 63rd anniversary of Branch

CE Shri Sanjay Pawar & DGM Shri Hemant Kumar with Indian batsman Mr. Virat Kohli during a get together arranged by High Commissioner of India in London

MD BOI Tanzania Ltd. Shri Sanjib Sarkar participated in a local event organized for the development of underprivileged children

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Honesty

Gazi – The Epitome of Honesty

was posted as Senior Branch Manager at Mirhati Branch in Kolkata Zone. I reached the Branch at 10 am and knew that today it will not be the day as usual. The customers were assembling in our branch in big numbers. The gathering consisted of farmers, agriculturists. All were waiting for approval of debt relief announced by the Government. They were anxious, looking tired and miserable. We, at the Branch, had displayed list of borrowers who were beneficiaries of Agricultural Debt Relief Scheme. The tired faces were scanning the list of names displayed on the Branch Notice Board. They were looking for their names and amount of relief they received. I was looking at these customers. They looked so tired. They had suffered losses. Their eyes were dry. My heart was beating for them. Lost in my thoughts, thinking about the plight of people, I was also attending to routine chores of the Branch and watching the crowd of people who were scanning the list of beneficiaries. Then something happened. Something that was not expected. Something very unusual. There was a knock on my cabin. I lifted my face to see who wanted to enter the cabin. There he stood. Thin, Dark, Poor, A dirty-looking man. He entered the cabin on my nodding a yes. He was looking at me. I gave him a passing look. Before he said anything, I told him that list of all beneficiaries was displayed on the Notice Board. I asked him to search the Notice Board to look for his name and amount. I thought, he had also come to enquire about debt relief as all were enquiring for the same. He heard me patiently. Then he said very politely to me “Babuji, mein loan mafi nahi chahta hoon. Mein meri maa ka rin vapis karne ko aaya hoon (Sir, I do not want debt relief. I am here to repay my mother’s debt).” I heard what he had to say. But I did not believe what he said. Therefore, I asked him if he wanted more loan. He cleared his throat and said in a low tone but clear and audible. “Nahi Babuji. Mein apni maa ka rin bharne aaya hoon. Maa to ab nahi rahi. Per hamare dharma me rin lekar marne per jannat nahi milta. (No, Sir. I have come to repay loan availed by my mother. She is no

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more. In our religion, one who dies with debt on his/her debt, does not get heaven.)” I now listened to him. Earlier I was only hearing. He said that his father was a rickshaw puller. His mother had availed some loan from the Branch to carry on small business to support the family. Both his parents had passed away. Then he left for Mumbai in search of greener pastures. While in Mumbai, he learnt new skills in embroidery work. He worked hard while in Mumbai. He acquired good experience in embroidery work. There he saved some money also. While in Mumbai, he was missing his hometown. Therefore, when he had sufficient money and experience, he returned to his hometown. He started his own business. Now he has enough money to repay loan availed by his mother. Standing before me, he wanted to repay the loan availed by his mother! I will always I asked him to sit down and searched remember Gazi for the account of his mother. But and the day to my surprise the account was when he came to written-off by us! To cut the long the Branch for story short, the thin, dark, poor, repaying loan dirty-looking man paid-off the loan availed by his availed by his mother. I was really mother. moved. There, on one hand, were so many people; anxiously searching for their names in the list of beneficiaries of debt-relief and here was a man who wanted to pay-off loan availed by his mother. Touched by the honesty and sincerity of the man, I told him to come to the Bank if he ever needs financial assistance. He came back to me after about 2 months for a loan. Having seen his honesty, I gladly sanctioned him a loan for expanding his business. Again, to cut long story short, today the man employs about 25 local youths and has 14 embroidery machines with a DG set. His account has been reviewed with increased limits. When I went to his place for post-sanction inspection, what he said still rings in my ears. He said, “ Babuji, aaj sirf Bank ki wajah se ek berojgar 25 aadmiyo ko rozgar deta hai. (Sir, only because of Bank, an unemployed is able to give employment to 25 persons.)”. I still remember that thin, dark, poor, dirty-looking man. His name was Nazarl Islam Gazi. Gazi – an epitome of hard work and honesty. S. K. Dubey CE’s Office, Kenya

HR Best Practices

Corporate Child Care: Need of the Hour

n recent times, we have seen a positive change in approach banks also and it will rise in days to come. The question is, “Can towards working women employees in India. The we save this human resource and exercise involved in it?” Can we Government recently issued order to place women nearby save our organization from this situation? The answer somewhere to their hometowns. It is indeed a welcome move and will add to lies in three magical words: “corporate child care”. the advantage of an organization in near future. There is one In the current corporate environment of 21st century in India, more idea that might be next in line i.e. Corporate Child Care. Let CCC has become a common part of the benefits package, similar us see it in perspective. to that of health insurance and vacation time. Understanding From the last 5 years, banking sector is going through transition the importance of childcare and the impact on the employee’s phase in terms of Human Resource requirement. On the one performance, corporates have started offering a variety of hand, bank employees are retiring in large numbers and on the dynamic programmes for childcare. The common offer is the other hand new recruitments are taking place at full pace. In near employer-sponsored on-site childcare facility. Not only fully future, we will see Gen Y taking over the reins of the banking. paid by the employer but the on-site child care facility is close to If we consider the present recruitment, we will find that most the employee’s work location and is supervised and controlled of people joining banks are between the ages of 23 to 25 years by the employer’s contracting child care agency. This facility and now there is increase in women employees. During the start can be extended even in the office premises. Women staff can of career, each employee (male or female) perform and compete be transferred in the branches nearby the childcare agencies or for the next level of promotions and other benefits. During this whatever is feasible to the organization. period, first priority for each one is career, promotion At this juncture For many prospective employees, this is an excellent and job. employee benefit, often leading them to accept a of careers, position in a company even they would otherwise not But, somewhere around 26 - 30s the employees go basically for through the next phase of life i.e. getting married and women colleagues, accept in general. Conversely, on-site childcare also provides the working employee with the ability to visit then kids & at this point particularly, the priorities for first priority children throughout the day. There are many benefits women colleagues change. At this juncture of careers, becomes their basically for women employees, first priority becomes newborn ‘child’. of CCC out of which some are: • Employees are more productive at work. their newborn ‘child’. This raises the eventuality This raises the • Employees feel their company is supportive of them of dropouts. Therefore, the question arises “What eventuality of and their work/life balance. women really want at this stage?” dropouts. • Be less likely to leave their job to pursue other Many of the women empolyees belonging to nuclear opportunities. families and metro cities quit their job, as there is no one to • More likely to return to work after the birth of a child because look after their children. Some choose for sabbatical leave. This of the benefit. is a point in career where not only the women employees lose • Consider the benefit as a factor in a decision to join the financially but also the employer who loses a senior person in organization. whom they have invested over past 6-7 years. On HR front, it’s • Feel more involved in their child’s care due to the proximity always difficult to handle situation. The cost of recruitment and of the Centre to their workplace. training is humongous. Moreover, there is no surety that the new employee will continue with the organization for a longer duration Conclusion or not. Apart from cost, the effort involved in bringing the new Employers across the world have experienced greater returns on employee at par with the organization standards is also sizeable. investment (ROI) when they started CCC facility. The ROI is not For the women employees who do not quit, statistically speaking, only qualitative in nature but could be measured effectively using the ‘absenteeism’ becomes the other way of managing the multi- models and techniques. These are also devised by the consulting tasking activities. On an average, we have observed one to two group at Sorsfort. days of leave per month due to the breakdown of childcare arrangements done by them. Amrit w/o Shri S M Shakeel The situation has already knocked the door and can be felt in HRD, HO

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Banking Plus

Point of Sale Terminals “It’s not because things are difficult that we dare not venture. It’s because we dare not venture that they are difficult.” - Seneca

echnology has impacted banking habits and will shape the Banks of Future. Those who leverage it with a long term vision will triumph in the race to success in the competitive banking space.

• •

But seldom has any one banking delivery channel revolutionized the way Merchant Establishments conduct business like POS terminals. During the period April 2011 to June 2014 the number of POS terminals in India has increased almost twofold to about 1.1 Mn. What is more is that it is likely to cross 1.5 Mn mark by next year end.

In India the average number of transactions per year for credit cards is 18 & for debit cards is 1.3, which is 102 & 55 times higher in USA respectively. Now let us juxtapose these facts against about 2013:Sept; 2014: June; 2015: Projection 600 Mn financially excluded in our country & the 65% population in the tech savvy age group of below 35. With schemes like Jan Dhan Yojana and the underlying RuPay Cards, what is indicated is tremendous market opportunities in the future for the banking system, as both POS terminals & cards inevitably have their back end in a Bank account.

As evident from the figures beside (Source: RBI), HDFC, ICICI, SBI & Axis Bank control 84% market share. Additional terminals installed by peer Banks during the period April 2011 to June 2014 are furnished below.

On the one hand is the increasing share of e-transactions and on the other is the fact that almost all HNIs, who have some disposable income to be parked in CASA accounts, invariably use cards & POS terminals (POST). Our share of e-transactions is 34.5% against 85% of HDFC Bank. The gap has to be narrowed.

Today a host of functions are managed by such machines besides payment settlement, including: • •

Inventory Control Invoicing and Receiving

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Interfacing with Accounting Reports - General Ledger, Accounts Payable, Accounts Receivable etc. • Enforced accuracy In spite of a phenomenal upsurge in “plastic money”, the card transactions in India still account for a meager 6.5% of total retail sales, now estimated at over ` 22 Lakh Crores. The increase in number of debit cards is registering a CAGR of 22% & the value of transactions by over 30%. For credit cards, the figures, dampened by incidence of NPA, are 7% & 11% respectively. However, the total transactions through debit cards denote 0.5% & through credit cards 1% of GDP, leaving much scope for increasing.

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Just look at the formidable queue in any shopping mall or restaurant on a typically busy day! I remember a small retail outlet in Bangalore asking me if I do have a card for

Banking Plus FY 2014 Rs Business Mix (Mn) Net Profit (Mn) POS Terminals CASA % Credit Cards Debit Cards

BOI 8532020 27290 3320 29.97 130934 17640199

BOB 9659000 45410 12360 31.76 77688 16063987

Canara 7217890 24380 1306 25.90 74233 16223772

payment before he displayed his inventory, so as to avoid the difficulty of tendering exact change. Thus, POS are terminals to tap the wallets of HNIs. Whereas debit & credit cards are basically payment dispensing mechanisms, POS terminals are float collecting ones, whose role in the banking system is poised for a sustained & steep rise in the years to come. The consequent advantage of CASA would certainly accrue to those Banks who are successfully able to penetrate the market with both a short & a long term plan carefully placed in tandem. The gradually accentuating correlation between POST & current account float is clearly discernible, with its consequent impact on bottom line. Current account deposit as a percentage of domestic deposit is about 6.25 for BOI, 12.41 for ICICI Bank & 14.94 for Axis Bank. Cases are not wanting when an old customer, and at times even borrowers, open accounts with POST providing Banks, who enjoy current account floats, that should otherwise have been ours. Due to the pressure on POS, RBI is mulling linking the number of cards issued by a bank to the POS terminals it has commissioned. Another important factor needing attention is nonfunctional POSTs out of the ones provided to Merchant Establishments (MEs). They attract recurring cost without earning any revenue for us. Some of the factors that may encourage MEs to use our POST and increase POS penetration are: • • •

•

Instant (STP) payment to MEs in lieu of POST transactions. Quick grievance redressal of MEs. Online dedicated call centres may provide a solution. Fast processing time after a card is swiped. MEs need speedy authorization to tame the fury of queue. This would depend on the speed of the server of the service provider linked to POST. Quick TAT to provide POST to applicant. Banks are now providing it ‘on the spot’. Local management

PNB 8006660 33430 11014 41.30 128454 25829901

Axis 5110120 62180 244088 45.00 3265552 13702839

HDFC 6703370 127720 210694 47.00 5283335 17672996

SBI 26395310 108910 146547 46.95 2915327 125909501

should have means to provide it to eligible MEs. • Long term cost benefit analysis, factoring in decreasing overheads and economy of scale of operations. • Fee structure, which synchronises with market trends. • Sensitising staff and imparting necessary training to them. • Outsourcing maintenance functions. • Steps to improve visibility of our product and exploring possibility of corporate level tie ups. Technology now has engendered payment systems through mobile smart phones MPOS- linked to POS Traditional POS server through card MPOS Terminal readers that cuts waiting period of customers. The server can engage multiple card readers at the same time hence reducing length of the queue. Systems using Near Field Communications technology, such as ‘Apple Pay’ & ‘Google Wallet’ are further advancements, wherein wi-fi payment authorizations are made through touch screen smart phones linked to the POS server through sensors without need of even a card reader. SBI has introduced cash payment at MEs, limit of which is proposed to be increased to `5000/- from the existing `1000/In the years to come, with ‘Digital Cities’ taking shape, retail transaction will be largely driven by technology. Head-start gained will be difficult to be negated. Hence, the sooner the better.

Ashok Kumar Mishra Principal STC Noida

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109th FOUNDATION DAY CELEBRATIONS

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

Initiatives’ launched: • 109 New Branches • 109 E - Galleries • 309 Atms • Atm at The World’s Highest Altitude - Nathu La • Boi Star Yuva - A Sb Product for the Youth • 1009 Women Shgs Accounts • 109 Urban Kiosks for Jan Dhan Yojana • 21009 Kisan Credit Cards • 10009 Bsbda Across Under Jan Dhan Yojana • Distribution of 5009 Solar Lanterns • Boi on Face Book

ank of India celebrated its 109th foundation day with full fervor. To mark the event two programmes were organized on 6th and 7th September, 2014 for Customers at Tata Theater, NCPA, Nariman point, Mumbai and for Staff and their families at Shanmukhanand Hall, Mumbai respectively. The programme on 6th September, 2014 was attended by our valued customers and their family members, CMD’s and Executives of various banks, State Bureaucrats & Ex-CMDs BOI. Contemporary cultural programme titled Easter Chords was performed by Sunita Bhuyan and Bihu dancers group. The renowned celebrity film singers Javed Ali & Richa Sharma performed fabulously, added excitement and enjoyment to the event and made the whole event memorable. All performers were felicitated at the hands of CMD Smt. V R Iyer along with EDs Shri B P Sharma, Shri Arun Shrivastava & Shri R Koteeswaran. The second event for staff and their family members was organized at Shanmukhanand Hall, Mumbai. CMD Mrs. V R Iyer inaugurated the programme by lighting the lamp along with ED’s Shri B P Sharma, Shri Arun Shrivastava and Shri R Koteeswaran. Cultural event comprising Dance by Prince Dance Group of Orissa, India’s Got Talents Fame, Stand-up Comedy by Ms. Bharati Singh & Rajeev Thakur filled the atmosphere with joy. The live musical show by celebrated film singer Shri Krishna Kumar urf KK and his troupe added excitement. The event was thrilling and memorable one.

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CMD Smt. V R Iyer felicitating Ex-CMD Shri S Rajagopal at NCPA

ED Shri B P Sharma felicitating Ex-CMD Shri M Venugopalan at NCPA

ED Shri Arun Shrivastava felicitating Ex-CMD Shri M G Bhide at NCPA

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

109 ¬˜¸¸œ¸›¸¸ ¢™¨¸¬¸ ¬¸Ÿ¸¸£¸½í ¨¸¸Â

ED Shri R Koteeswaran felicitating Ex-CMD Shri R Srinivasan at NCPA

Felicitation of renowned celebrity film singers Javed Ali & Richa Sharma at the hands of CMD and EDs at NCPA

Felicitation of Sunita Bhuyan and Bihu dancers group by CMD and EDs at NCPA

Performancy by Sunita Bhuyan and Bihu dancers group at NCPA

Inaugutation of Foundation Day programme by CMD and EDs at Shanmukhanada Hall

Prince Dance Group of Orissa performing one the Dance Art at Shanmukhanada Hall

Felicitation of celebrity comedian Bharti Singh & Rajeev Thakur by CMD and EDs at Shanmukhanada Hall

Felicitation of celebrity film Singer KK and Troupe at Shanmukhanada Hall

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

GM & CFO Shri Anant Upadhaya sharing lighter moments during the event at Shanmukhanada Hall

Lighter moments with audience at Shanmukhanada Hall

Felicitation of Highest Achievers/Toppers at Shanmukhanada Hall

Current Account Mobilisation Campaign

ith a view to ramp up New Customer Acquisition and mobilize balances in current accounts, a Current Account Mobilisation Campaign was run at all branches for a 3 week period ending on 29th August, 2014. The campaign saw 8437 newly opened Current Accounts with an average balance of `1 lac per account. The highest achievers / toppers for achieving the “Highest Weekly Average Balances” in the newly opened accounts were felicitated at the hands of CMD Smt. V R Iyer in the presence of EDs Shri B P Sharma, Shri Arun Shrivastava & Shri R Koteeswaran during foundation day function organized at Shanmukhanand Hall, Mumbai on 7th September, 2014.

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Top 3 ZMs 1

New Delhi Zone

Shri S.K. Aggarwal, DGM

2nd

Raigad Zone

Shri L.R. Bisoi, DGM

3rd

Coimbatore Zone

Shri K. Rajaraman, DGM

Top LCB Hyderabad LCB

Shri V. Kumar, DGM Top MCB

Stock Exchange MCB

Shri Monoj Das, AGM Top 3 NBG

Sundargarh Branch

Shri Aditya K Patel, Manager, Bhubaneswar Zone

2nd

Pondicherry Branch

Shri Manish Kar Ray, CM, Chennai Zone

3rd

Kamothe Branch

Ms. Lata Raut, Manager, Raigad Zone

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

Felicitation of Outstanding Employees on Foundation Day, 2014. SHRI MANOHAR SHRIPAT PAWAR

Lokmanya Bal Gangadhar Tilak Award, Adarsh Seva and finally Maharashtra Gaurav Award on the occasion of 50 years of Maharashtra State. In 2012 he was felicitated with National Award for his all-round performance in cultural, social, political and sports front. Mumbai Cricket Association (MCA) gifted cricket bats, bearing written material calligraphied by Manohar Pawar, to 15 Indian participating cricket players and 10 Chief Ministers of various States, for winning T-20 World Cup in September 2007. Dharamsey Govindji Thackersey High School honoured Shri Manohar S. Pawar with ‘Lifetime Achievement Award” as Outstanding Student of the School of the last 100 years (1913 – 2013).

hri Manohar Pawar joined Bank in1977. He retired from the services of the bank on 30th September, 2014 from HR Department, Head Office. Shri Pawar had a multifaceted career interest right from the start which was reflected from his all - round active participation in areas such as volleyball, Dodgeball, Kho-kho. However, the Year 1982 to 2014 showed a steady interest in his career towards cricket umpiring and as match observer with MCA. The year 1998 reflected him as a National Panel Cricket Umpire of BCCI. So apt were his skills that he was the first Cricket Umpire to win ‘J.B. Ruben Award’ for Best Cricket Umpire of Mumbai Cricket Association in 1992. Many more awards came flooding in and the most important of these were the Respectable Citizen of Mumbai award, Maharashtra Kreeda Ratna, Southern Mumbai Deepotsav, Samaj Bhushan, Kaavya Vachan, Maharashtra Deep, Kamgar Ratna, Guvanta Kamgar, Kreeda Bhushan,

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Till date, he has officiated as On-field Cricket Umpire in more than1200 Cricket Matches at State Level for last 32 years and in more than 75 First Class Matches at National Level from 1998 onwards. Apart from umpiring in Cricket, he has acted in Marathi Drama “Nishpaap”, Marathi Movie – “Aai” and Hindi Movie “Farz”. He has also done modelling assignments. SHRI SATISH AMBERKAR

Shri Amberkar joined Bank in 1981 and is presently posted at Outward Clearing Department, Andheri. He is a keen sportsman, outdoorsman, nature and adventure enthusiast. He successfully swam from Uran to Gateway of India, scaled the virgin peak SULI top 20,670 ft. in Kumaon Himalayas as a lead climber and scaled virgin rock wall of Duke’s nose – 800 ft. at Khandala as lead climber in 1985. He has also been a member of the First Cycling Expedition from Mumbai to Leh in 1986 and from Mumbai to Kanyakumari in 1998. He has completed

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities Around the World cycling expedition as Technical Advisor organized by Bombay Customs, having toured 24 countries and pedaled more than 25,000 kms in 315 days in 1989-90. He has been awarded Lifetime Achievement Award in Mountaineering category in the year 2010 by Shri Uddhavji Thackeray.

as Technical Officer for “Federation of International Hockey” Junior World Cup at New Delhi in December 2013 and World League Round-4 at Delhi in January 2014. SHRI R M BAROT

SHRI CLAUDIUS DE SALES

Shri Claudius de Sales joined Bank in 1982. He is presently posted at Danda Khar Branch. He is an outstanding hockey player and has represented Bank of India for 16 years from 1982 to 1998. He has umpired in various National and International tournaments from 1994 to 2005. Claudius represented India as judge at Olympic Games London 2012. He is presently a member of the Technical committee of “Hockey India” and appointed

Shri Barot joined Bank in 1980. Having worked in various Departments at Head Office, he has been working with ZM’s Secretariat at Mumbai South Zone since 1998. Come rain or shine, the laborious and hardworking Barot is always on his toes. His affable personality and humble disposition have won him accolades not only from staff members but from customers as well. He never loses his composure while handling the most demanding and toughest of the customers. Most of the customers’ grievances are handled by Shri Barot and they leave the ZM’s Secretariat reassured and with a feeling of having been cared for. He has won the heart and soul of all executives at Zonal Office through his sincerity, punctuality, honesty, loyalty and hard work.

ATM at the world’s highest altitude - Nathu La BDE (13200 feet)

Inauguration of ATM by Major General Shri Y V K Mohan in presence of GM (ADC) Shri V Vishwanathan, GM NBG(E) Shri Anil Bhalla & ZM Siliguri Shri Milind Vaidya

(L to R) Sr. Mgr. (IT) Shri Debabroto Raha, Sr. Mgr. (Security) Shri Ratatan Roy, ZM Siliguri Shri Milind Vaidya and Major Pranjal inside ATM

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

¬˜¸¸œ¸›¸¸ ¢™¨¸¬¸ / Foundation Day

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Chandigarh Zone-Tree Plantation

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Cultural Programme, Indore Zone

Howrah Zone-Free Medical Camp

Blood donation camp at Nagpur 1 Zone

Dhanbad Zone-Donating Ceiling fan to School

Indore Zone-Opening of 3 new Branches

Blood donation camp in Mumbai South Zone

Felicitation of valued Customers Padamshri Hazi Karimulah & Dr. Nityanand and others at Lucknow Zone

Jamshedpur Zone- Staff members in Rally

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Gifts to Disha School for intellectually disabled children at Goa Zone

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ˆÅ›¸¸Ä’ˆÅ ‚¿ ¸¥¸

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

¬˜¸¸œ¸›¸¸ ¢™¨¸¬¸ / Foundation Day

Keonjhar Zone-Felicitation of Customers

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Kerala Zone-inauguration by Police Commissioner Ms. Nishandini

NBG (Central)-inauguration by Regional Director RBI

Tilak Nagar Branch, New Delhi Zone

Kolhapur Zone-Distribution of Loan

Patna Zone-Donating Washing Machine to Apna Khar

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Kolkata Zone donated one Computer to Lavinia House, one of the oldest orphanage for Girls

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Welcome

Retired General Manager

Newly Promoted General Manager

Shri S M Ganju

Shri Rajiv Kumar Gupta

We wish him a Happy and Healthy Retired Life

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BOI Star

WALK FROM KASHMIR TO KANYAKUMARI

t the end, it is not the years in your life that count; it is the life in your years.

originator of Mulshi Satyagraha).

For most of my life until the age of sixty, I served as a clerk in Bank of India. In the words of Svatantraveer Sawarkar, I was inspired to leave behind my identity of being a clerk and become a soldier. A Journey I used to read these messages during I had the courage, the physical ability, immense my morning walks in the Nagrota Army of willpower, faith and my retirement fund. I was Cantonment area every day. These messages Thousand curious to understand and experience the real evoked certain thoughts inside me and finally meaning of ‘diversity in unity’ that I read about Miles inspired me. I made a resolution to walk from since childhood. And I was determined to be Kashmir (Srinagar) to Kanyakumari (Swami begins of service to my nation, humanity, the flora Vivekananda Memorial) AND I did it. with a and fauna while I embarked on this journey. In total 4000 kms I walked for 125 days. Towards this end, I chose five themes – Peace, Single Step Averaging 32 kms a day. Minimum 25 kms. Humanity, Environment, Real Education and Maximum 46 kms a day. In all 62 lakh steps. Female Infanticide. I decided to propagate and I would rather say, I only took the first step…thereafter, create awareness on these themes during my walk. I firmly I firmly believe, there was an invisible force that believe working on these theme areas is supreme service held my hand and took me all the way to the Swami to the nation in today’s times. Vivekananda Memorial. For four months, without fail, getting up early Swadeshonnati sadhanya buddhi whavi ! morning every day, and walking 30-35 kms. I call this persistence. In this period, in my journey, Tashi deshkaryi tanu hi jhizavi !! i saw, experienced, mighty mountain ranges, Nako avadi dravya sampadanachi ! deep valleys, the multitude of small mounds Nako kamana ti mala lavkikachi !! and hillocks in Chambal, various types of - VB trees, rice, wheat, mustard, sugarcane, cotton “Every step of life is a chapter waiting for new journey.”

(may I have the wisdom to serve for the advancement of my nation, for that cause may I sacrifice myself. May I never desire material accomplishments, nor long for fame)

0 KASHMIR 30

This is my heritage. Passed down from my Grandfather Late Freedom Fighter Vinayak Mahadev Bhuskute (the

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farms, grape plantations, thousands of coconut trees, rose, mogra, sunflower and so many other varieties of flowers, various animals – domesticated and wild (missed the tiger and the elephant though!) and derived immense joy and pleasure. I completely and unconditionally surrendered myself to the sun, moon, stars and the universe and solicited their friendship. To my immense joy, they accepted my

BOI Star friendship. Not only that, they offered me their protection (Karna’s kavach kundal). I was protected from the extreme sun and heat, wind chills, impenetrable darkness, dense fog, and at times heavy rain that came my way. No physical pain dared come near me and I came out safe from even life threatening situations. In my walk I crossed the borders of the states of Jammu Kashmir, Haryana, Punjab, Himachal Pradesh, Delhi, Rajasthan, Madhya Pradesh, Uttar Pradesh, Maharashtra, Andhra Pradesh, Karnataka and Tamil Nadu. Paid homage to the Jhelum, Chenab, Ravi, Beas, Yamuna, Jamuna, Chambal, Bainganga, Narmada, Banganga, Krishna, Tungabhadra, Kaveri rivers. Got the blessings of many brothers, sisters and mothers along the way. I experienced the sujalam, sufalaam and strong and prosperous India and felt content and satisfied. I took the pleasure of experiencing nature in its various shapes and forms. And the endless long roads – in good and bad condition, crossing mile long jungles, at times barren The Limca Book stretches – no trees, or sign of of Records’ living beings. I walked across has considered all these tirelessly, without this achievement losing (faith). Searching for as record and joy in pain. Without effort or I am proud conscious intention, I used to to be chant Om namah Shivaya, Jai a Bank of India Bajranga Bali and meditate. I always prayed to the Nature employee to God that where I am walking, complete this let there be peace, prosperity, unbelievable task. harmony and happiness. Sant Namdev, Sant Gurunanak, Samartha Ramdas, Gautam Budha, Acharya Vinoba Bhave, Mahatma Gandhi, Swami Vivekananda – all these great souls walked beyond limit all their l i v e s , spreading message for the advancement of our nation and humanity. I am a common man and my effort is nowhere comparable. It is nevertheless my own effort and if this is acceptable to destiny, I will continue.

this. But she did not leave it to destiny. She enquired with the local Doctors, ‘will these feet become normal for this child?’. The Doctors told her that if any treatment, it is possible in the Sion Hospital in Mumbai. My parents used to take me to that Hospital. In every visit, the Doctor used

to straighten my feet and bandage them. This must have happened at least 8-10 times. Finally my feet straightened to normality. I got the inner strength and courage to achieve this feat because of the touch and positive energies that my parents passed to the feet I was born with. The journey started on 16.10.2013 and was completed on 25.03.2014. This was possible because Bank of India has honoured me by giving ` 3 lakhs. The Vanity Van was having LOGO of “BANK OF INDIA” with a slogan “Relations beyond Banking”. Staff members of various branches all over India and also peoples were amazed with the achievement of Bank of India employee which has encouraged me to complete the walk through India.

A padyatri Vidyadhar Bhuskute Ex-Staff-Clerk

4000

I will share a secret! I was born with my feet turned inside. My Mother was immensely pained seeing

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LDM Indore-Inauguration by Hon'ble Loksabha Speaker Smt. Sumitra Mahajan

Ranchi Zone-Inauguration by Hon'ble CM Jharkhand Shri Hemant Soren in presence of ED Shri B P Sharma

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Jeend Branch, Chandigarh Zone

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Arera Hills Branch, Bhopal Zone

Ernakulum Branch, Kerala Zone

Kuliana Branch, Keonjhar Zone

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Short Story

STANFORD UNIVERSITY

t was, as usual, a very busy day for the Head of Harvard University. His secretary brought the information that an old couple was outside his office and has sought an interview. “Who are they”, the secretary told the name, but it did not ring any bell. Simply dressed in clean clothes, the face too did not ring any bell for the secretary. “Any prior appointment?”, “No, Sir”. “In that case make an appointment for tomorrow or day after, I am extremely busy today”. After a few moments, the secretary came in again, “They would rather wait till you are free, they say they have come from far away”. The Head was not pleased, but then he had a busy day ahead. In the evening when the Head was readying to leave office after a grueling day, he was reminded that the old couple was still waiting for him in the lobby. Tired though he was, he asked them to be in. When in, the old man thanked him profusely for his time. Without wasting time, he came to the point straight away, “You see, Sir, our son was studying in your versity. He died in an accident recently. In his memory, we wish to donate something to the university”. The Head was flustered, “No, need for that, we already have more busts than space to display them”. The old man hurried, “No, not that, not that, we had something else in mind”. The old lady quietly intervened, “what might be the cost of one such building?”, pointing to the beautiful buildings visible beyond the windows. The Head reacted, “Are you serious, anywhere between five to ten millions.” After a few moments of silence, the lady asked in her sweet low voice, “Honey, are you thinking what I am thinking, dear?” The old man replied, “Yes, darling.” The couple thanked the bewildered Head profusely for his valuable time, went out, hand in hand, and found…. -Ashis Sanyal STANFORD UNIVERSITY. ex-Staff, Kolkata

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Sutlej Market Branch, Amritsar Zone

Warje Malwadi Branch, Pune Zone

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Uttarakhand Kumaon & Garhwal Fabled Fairyland of India

umaon is a land of fairs & festivals, legends & mythology, snow capped mountains & glaciers, valleys and glades, verdant forests & alpine meadows, lakes & gushing streams, birds & animals, butterflies & flowers, all combine to make a sum of delight unsurpassed elsewhere. It comprises the six north-eastern Himalayan districts of Almora, Bageshwar, Champawat, Nainital, Pithoragarh & Udham Singh Nagar. To the east and the north, the region touches the international boundaries of Nepal & Tibet. Nature has been at its beauty in endowing Kumaon with exquisite tourist sites & Scenic grandeur.

P K Singhal Ramnagar Branch, Gaziabad Zone

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ûÅ¸½’¸½ ûÅú ¸£ Photo Feature

Corbett National Park Corbett National Park is India’s first & Finest National Park. It spreads along the Ramganga River & is situated near “Ramnagar” which is also called “Corbett City”. Corbertt Parks fall in Nainital district & spreads in an area of approx. 1318 sq kms. Established in 1936 as a National Park and in 1976 as a Tiger Reserve. The major wildlife boasts approx. 169 Tigers, about 600 Elephants, 49 Leopards, Sloth bear, Gaur, Sambhar, Hogg Dear, Cheetal, Barking Deer, Indian Black Cobra, Pythons & many species of Bird life. A range of hills runs through the middle at the park, with an elevation varying from 450-1200 meters. Forest is mainly deciduous with Sal, Chir, Pine Tree, Shisham, Khair & Haldu Trees. Main visiting season is October to mid June. It is easily accessible from all parts of India & lies some 260kms to the North-East of the Indian Capital.

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Expression

enerally many startling facts come out through confessions. These facts are revealed or unveiled much later in life through autobiographical publications. I should confess that I am not a good writer. But I thought of making a few confessions through the following narration. I was working in a medium size branch in charge of advances portfolio. Within a year of my assuming charge of the credit department, the State government announced a scheme of agricultural debt relief with lot of fan fare and publicity. The two farmers came to meet me. Both had availed the same amount of loan. The crop was affected due to drought. One of them managed to pledge the jewellery of his wife and repaid about half of the loan, the other did not repay any amount. As per the amount of loan availed both the accounts were eligible under the scheme. The first borrower put forth a request that the amount repaid should be given back to him so that he could redeem the pledged jewels and return to his wife. I tried to convince him that the Bank would get the relief on the balance outstanding in the account. I even showed the entries in the statements to explain my inability to help him out. Ultimately he turned around and asked me “didn’t I make mistake by repaying part of the loan much against the wrath of my wife by pledging her ornaments?” I had no answer for him. I could not but agree with him. But I did not admit it in front of them. But let me confess that his claim was reasonable and he was in a helpless situation like me. I narrated the incident to my Manager who gave me strict instructions to follow the procedure of the debt relief scheme very meticulously. I also suggested to him that the Government should have some scheme to reward

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borrowers who repay the loans regularly. He firmly advised that we were supposed to comply with the Head Office instructions without exception. It was almost like a total denial for my right even to show empathy. Ideally a credit manager was supposed to make regular field visits, understand the problems of the borrowers, reschedule the eligible loans and implement revival packages where ever warranted. But many a times we used to take an escape route by filing a case in the court or prefer an application for revenue recovery case so that the problem was dodged at least temporarily. The branch had enough of such suite filed cases. It was a Monday. The branch advocate had informed the manager about the proposed seizure of decreed securities that afternoon. I was directed to The decreed assets accompany the court officials included the cycle and advocate for completing the rikshaw which was procedure. the primary security. We started after a hurried lunch As someone had at 2.30 pm. The borrower’s sent word, the village was not very far from the borrower came branch. But it took almost two running. He started hours to reach the place thanks pleading against to the condition of the road. As any action. He the jeep entered the vicinity of promised that he the thatched house like structure, would repay within a big group of children started two days. gathering around us. They were curious to know what was going on. A few elders were also seen whispering each other about their versions and guesses as to what we were up to. The borrower was not available in the house. Behind the bamboo fence stood at least fivesix ladies covering their heads and major portion of their faces with lot of inquisitiveness. All of them, young and old were eager to know what was going to happen. In front of the house an old lady was lying on a makeshift cot. She was apparently blind. She was unaware of the happenings around. She started calling someone for water. A lady came out with a small child in her arms and another clinging on to her sari. One boy from the crowd declared proudly in the local dialect that the sahebs have come to see their house for giving away grant from the government. He was naturally oblivious of our motive. We identified ourselves and disclosed the purpose of visit. The decreed assets included the cycle rikshaw which was the primary security. As someone had sent word, the

Expression borrower came running. He started pleading against any action. He promised that he would repay within two days. The old lady continued to yell out for attention. She was scolded by the borrower. We could understand it was his mother. The little children continued to watch the scene with the eyes glued on to us and their father. The wife was in tears. She pleaded that the cycle rickshaw, the only means of daily bread, should not be taken away. She even threatened that if the only means of livelihood is snatched away, they would be compelled to commit suicide. She also gave two hundred rupee notes which she claimed as the amount she had kept aside for mother’s treatment. Before leaving for the mission, I had seen the statement of his accounts. The outstanding balance without interest was a little over rupees 2000/-. The crowd on the spot swelled to about twenty five and it was growing. I could visualise that the whole atmosphere was charged. It was not easy for us to perform the task assigned to us. Now I could understand why my manager had sent me for this unpleasant job. I took the advocate and the court official aside and told that I have taken some decision. I called the borrower in front of two elderly looking men and made him promise that a minimum of rupees 1000 would be paid within two days. I also insisted that the balance should be paid immediately after the festival. He agreed to it with folded hands. We returned to the branch late in the evening. The manager was anxiously waiting for our arrival. I had instructed others that I would myself narrate the happenings at the He started talking to me in a feeble and branch. I told the manager that possession of the rikshaw could trembling voice. He not be done as the borrower was told he was the same away. I also told that borrower’s borrower I had met years back. wife had paid rupees 1000. He was in tears “Since the cashier had left, the when he told that amount may be credited within a week of tomorrow” said the manager. my visit his ailing The next day, I accounted for the mother died and he amount by adding the balance could not keep his out of my pocket. I had kept word. some money for buying a sari for my mother for the ensuing festival. Next week, I could convince the manager with great difficulty to put up a write off proposal for the balance amount.

The borrower did not come to the branch as promised. As days and weeks passed by, the hope of the promise being kept also diminished. I had almost forgotten about the incident thinking that I had done something good for a poor family. But somewhere in the corner of my mind a feeling lingered that someone tried to cheat me with a false promise. After about two years I was transferred out of the branch. It was a coincidence that I happened to audit the branch after six years. As a part of audit we visited a newly financed small scale industry. While I was entering the car after finishing the inspection, a man in not so clean security uniform appeared in front of me with folded hands. He started talking to me in a feeble and trembling voice. He told he was the same borrower I had met years back. He was in tears when he told that within a week of my visit his ailing mother died and he could not keep his word. And later, he could not muster courage to visit the branch without any money to pay the dues as promised. He had recently sold the rikshaw because of ill health and joined the company as a security staff to make both ends meet. He also told that he had once visited the bank to learn that the manager and others were transferred. The staff had evidently disclosed that the account was written off after the part repayment. He kept on telling that it was me who saved his family from the verge of suicide. He tried to take some money from his pocket to give me. Even though I started listening to him with contempt and anger in my mind, by the time he finished his story I was fairly composed. I politely refused the money and wished him well before sitting in the car. During the return journey I narrated the story to my auditor colleagues who had different opinions about my action. One of them even accused me of dereliction of duty. But somehow I felt that I was right in my own way. By making a confession through Taarangan, I do not hope to seek immunity or salvation. I do not consider my action as remorseful or penitent. I do not claim it to be laudable or revolutionary either. But it was certainly appealing to my conscience on that day years back. It remains the same today also.

P V Durgadasan Retd. GM. 0471-2312851

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Management Lesson

Excellence Management Some Stray Thoughts

xcellence, Dr. A P J Abdul Kalam defines as “a continuous process and not an accident”, which is achieved “by training and habituation” opines Aristotle, therefore “excellence is not a skill, it is an attitude” describes Ralph Marston. Our Prime Minister Hon. Shri Narendra Modi has given a call for developing Skill, Speed and Scale for being globally competitive in this ever increasing competitive environment by acquiring skill through learning and training, developing speed through continuous process and achieving scales through habituation, which has become the norm rather than exception in the business for achieving competitive differentiation. Our Esteemed Chairperson & Managing Director Smt V.R. Iyer, during her address to extended BOI family on the occasion of 109th Foundation Day has emphasized the need for achieving excellence in discharge of their duties by the employees so that our beloved BANK OF INDIA achieves numero uno position among the public sector Banks because excellence touches every part of the organization so the cooperation and commitment from all is required as somebody has rightly remarked, “Excellence is reconciling all stakeholders needs from outside-in as well as from inside-out”. The orientation for excellence has changed the paradigm of management perception from performance management to excellence manage-ment through S2S framework of Strategy to Success, which is gaining increasing importance in the Public Sector Banks where large scale retirements are taking place resulting into substitution of tacit knowledge with google oriented instant knowledge. Since every organization is unique in its own way, therefore role of tacit knowledge can not be ignored which is imbibed in the organizational culture supported by strong codified organizational culture in terms of rules and regulations, formal organizational relationships and responsibility / authority structure etc providing blueprint for efficient, effective, objective and transparent organizational functioning. The secret of organizational excellence,

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according to Charles Handy, lies in “What they uniquely can give to the world not just growth or money, but their excellence, their respect for others or their ability to make people happy”. Banking industry, The orientation for being a customer excellence has changed centric service the paradigm of industry, has wider management perception connotations of from performance excellence on the management to excellence following parameters: management through I The ambience of S2S framework of the branch should Strategy to Success. offer receptivity and the feeling of warmth both from the infrastructural and the employee perspective which provides the feeling of being a worthy customer of the Bank at each customer contact. II The personalized branch banking is getting transformed in the standard technology oriented banking with the help of card, internet and mobile banking for transactions of routine nature. Our bank stands second to none. III The technological support is provided to branches for smooth branch operations barring instances of some branch level issues of connectivity, power supply and some hardware related issues in some pockets of semi-urban and rural areas, which are predominantly due to poor infrastructure in those areas. These issues will be taken care of in due course of time with the development of infrastructural facilities in semi- urban and rural areas. The issues are same for all the players in those areas. IV Product profile of our Bank is second to none catering to the requirements of the landless labourers on the one extreme and multinational corporations on the other covering all geographical regions- rural, semi urban, urban, metro including international financial centers and serving to the requirements of all phases of life from cradle to grave as one stop financial service centre. V Last but not the least is the human capital which makes or mars any organization despite having world class products, infrastructure and the systems. Therefore

Management Lesson critical difference lies in the nature of human capital and its commitment. Ours is the age of information, which is easily accessible to all with the difference in the deeper and faster insights to be converted into actionable plans by reconfiguring the organizational resources towards changing the value delivery system in the emerging scenario with minimal time lag where human resources play the most vital and critical role. Human resource is the only active factor of production, which contributes to excellence supported by other passive factors of production such as capital, technology and infrastructure serving as enabling factors and the Bank should therefore aim at excellence management at organizational and personal level. Albert Einstein has remarked “Everything that is really great and inspiring is created by individuals who can harbor in freedom” therefore organizations must develop the culture of being preferred employers by enabling the employees with self-enrichment empowerment, intellectual challenge and wealth sharing through commitment to objectivity, transparency, competence and meritocracy by providing opportunities to the bright and competent people to lead on daring and apparently impossible tasks while ensuring organizational safety net beyond permissible deviations and aberrations. The enabling congenial organizational culture inculcates the feeling of being worthy assets of the organization among the employees which leads to their active participation as group member fostering the feeling of “I can do it, we have done it”. The internalization of this philosophy among the employees is the acid test of organizational pursuit of excellence which can be institutionalized by identifying the talent, sharpening and stimulating them to explore their unexploited potential through properly institutionalized identification and reward system resulting into personal excellence. The organizational excellence is sum total of personal excellence therefore personal excellence is the bottom line which can be achieved by: I Encouraging the employees to remain contemporary by inculcating the habit of self enrichment. “At each new fiscal beginning what we learned to master the year before becomes 75 percent of what awaits us. The other 25 percentage is totally unknown and we have to be prepared to address it” opines Jacques Ndongue of Schneider Electrics as the secret of being contemporary.

II Encouraging the employees for quality disposal resulting into excellent delivery of services culminating in increased and quality customer interaction which provides deeper insights into the emerging and latent customer needs for emerging According to Mahatma future markets Gandhi, the philosophy of thereby “exploiting personal excellence a change in the should be based on the environment and premise, “If I have riding that change the belief that I can do it, with quickness and I shall surely acquire the skill” opines Prof capacity to do it even if Richard Rumelt, a I may not have it at the management expert. beginning. III Inculcating the sense of self esteem through self enrichment paves way for critical self assessment resulting into periodical monitoring of own performance leading to minimal pendency and attending to pendency without becoming important, most important and critically important and efficient discharge of duties as employees are the ultimate point of excellent delivery. The need for self assessment has been beautifully described by Shri Vivekanand, “ Talk to yourself once in a day otherwise you may miss meeting an excellent person in this world”. In fine, personal excellence is the hall mark of organizational excellence inculcated by the virtue of self esteem and self enrichment on the organizational foundation of enabling culture, commitment to objectivity, transparency, competence and meritocracy supported by codified culture and matching infrastructural support. Our organization offers all the prerequisites of excellence management with some minor aberration here and there, therefore let’s pledge to enjoy our work and “Perform to Potential with Excellence” as return gift to our beloved institution and commit ourselves to be the instruments of change not the objects of change. To conclude, I invoke the prophetic preaching of Lord Buddha, “Your work is to discover your work and then with all your heart to give yourself to it” to guide us the way forward……..

S.B.Singh

S B Singh Deputy Zonal Manager Raigad Zone

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BOI Star

The collection

of the Indian

Traditional Lamps in the Limca Book

of Records

These lamps are made of brass, copper, bronze, silver, wood, porcelain, stone, terracotta, papier-mâché, glass, iron, German silver, etc. Shri Karandikar's collection has many interesting and unusual lamps like shadow lamp, Kanduk deep based on the gyroscopic principle, Ashtvinayak lamp, Guru Shishya Lamp of the great old tradition of the preceptor and his learning pupil, Torches used by the folks, Menorah used in the Judaism, Sir Humphrey Davy's Safety Lamp which saved the lives of thousands of miners, Alladin's Genie Lamp etc.

hri Makarand Karandikar, retired from a our Bank (from the Khodadad Circle Branch in January 2010) has been collecting the Indian Traditional Lamps for the last 45 years. He has 618 lamps (all different) in the collection which includes 585 Indian Traditional Lamps. This collection doesn’t include electrical lamps, battery operated lamps or candle stands. This collection includes lamps from many states of our country and lamps used by or based on some principles of all major religions i.e.- Hinduism, Sikhism, Jainism, Islam, Christianity, Zoroastrianism, Buddhism, Judaism.

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Apart from this lamp collection Karandikar has also collected ancillary items like various forks and scissors used for adjusting and cutting wicks, various types of wicks, oil containers/dubbers, oil dispensers, etc, many old lanterns, kerosene lamps used in railways, ships and other carriages, victoria lamps, magic lantern, opium lamp, whale oil lamps etc. Now this huge treasure is honoured as the national record by the LIMCA BOOK OF RECORDS - 2013. It is the highest number of lamps collected (including the Indian Traditional Lamps). Shri Makarand Karandikar's unique work is being largely appreciated for his special efforts to preserve the Indian culture and the heritage. BOI Parivaar is proud of Shri Karandikar

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Self Help Lesson

a r d s S uc c e s s w o Journey t

he world has undergone a sea change in the last couple of decades. Needs are increasingly leading to a steep rise in expenses. People have become materialistic and in many cases are drifting from their moral values, may be unknowingly. Moments of joy, which we used to celebrate with our near ones, though empty handed but with hearts full of warmth & affection, now need gifts to be exchanged! An anniversary gift means nothing less than a diamond studded necklace, a vacation which we normally enjoyed with all our cousins in a small village amidst mango or chickoo orchards now sounds worthless. Where a Bajaj scooter brought a moment of pride to the owner, a car within a range of 5 - 7 lakhs is now considered below dignity. When everything around us has changed, there has to be a change in our thinking as man is a social animal. Sometime ago, I read the book “I Bought the Monk’s Ferrari” by Ravi Subramanian and I believe it is an exquisite book of learning and a perfect guide for many professionals who have a burning desire to excel in their professional lives. The author redefines the meaning of FERRARI beautifully. The book has inspired me a lot and through this article I want to share this inspiration with you.. “For acquiring success you need to aspire, And when you aspire don’t compromise for anything but The Best.” If you have a craving for acquiring something, just do not wait for it - Teach yourself to be impatient.

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• Have AUDACIOUS GOALS to achieve success. “Some men see things around them and wonder why? I dream of things and wonder Why not?” said G. B. Shaw. You need to aim for the sky. Set the highest goals for yourself and keep pursuing them religiously and rigorously. A day shall surely come, and shall come soon, when you have acquired what you aspired for. No one in this world can deny success to you. “Dream Big, Build castles in the air just don’t forget to put foundations under the castle” Your efforts should commensurate with your high aspirations. • Always stay optimistic against odds. You need to find a reason which can make you fight back. Keep uttering “It is never end of the world” Have a long term vision and a wider perspective. Never ever give up or lose your cool especially in disheartening situations. Always refrain from involving yourself in self-pity as it generates nothing but negativity. If you encounter a tough situation which is pushing you too hard against a wall always look for a crack which can provide you with a break through. • You should be very passionate about your work as there is no substitute for the hard work. Each thing has its own price; we just cannot get something for free. The success also is not an exception to this rule. The ladders of success cannot be climbed if we always aim at striking a perfect work-life balance. We should be clear about our priorities. • Integrity and Honesty are the two virtues we need to

Self Help Lesson inculcate to succeed. Dishonesty, whether in personal or professional life, shall always come back to haunt us. We need to get the trust and confidence of the people with whom we are connected and hence we should have deep rooted moral values and integrity if we want to be valued, respected and followed by masses. • If we aim high we also should learn to efficiently and effectively manage the time which is at our disposal. We have to give up the habit of wasting time at the earliest if we are determined to climb the ladders of success, and that too at a faster pace. We also need to bear in mind that as our time is precious so is of others. • We should self-introspect and should identify our weaknesses at the earliest and then strive hard to ensure that we overcome them. It’s a dynamic world and hence we need to update ourselves regularly in each aspect else we shall be outdated in no time. We have to embrace change and prepare ourselves for it, as “to succeed” is what we are aiming at. The best thing would be to anticipate the changes in advance and prepare ourselves to tackle the changed scenario. • We need to associate ourselves with the people who have already reached the pinnacles in the field of our interest. Achievers who are at the helm of affairs can guide us to success. Winners are the ones who build teams, work cohesively and build dreams and business together. The old proverb that we are known by the company we keep needs to be modified and read as “A mediocre guy with a brilliant boss gets noticed whereas a brilliant guy with a mediocre boss often fails to make a cut”

• Always remember that “If we light a light for somebody, it shall surely brighten our path too.” Sharing of success with others is equally important. We should try and make a world a better place to live in by working towards the achievement of a social cause. • Laziness makes even the most powerful creature vulnerable. Healthy and Active life style is the key to success. As we are aware that the doers have to work for long hours, they need to remain fit both physically & mentally. Work hard, exercise harder, build stamina and keep illness at bay to accomplish your goals. • A front runner should very well know to manage the perceptions as else his achievements shall go unnoticed and unrecognized. To instigate others to have perceptions about us is also the job of leaders. It may sound unethical; but for climbing the career ladder at a faster pace it is very important to get noticed as otherwise our performance shall not get due recognition. Never forget to build a great profile for yourself as it helps - helps a lot. Always bear in mind that beyond a certain level it is only your profile which will differentiate you from others. A high profile not backed up by a stellar performance is of no use and similarly a performance without profile building skill shall lead you nowhere.

Rajiv Bhatt Faculty (IT), MDI.

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

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Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

›¸½©¸›¸¥¸ ¤¸¾¿¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í ( ¸¸ ‡¨¸¿ Ž) / National Banking Group (J & C)

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efmelebyej 2014

Knowledge Plus

Vizhinjam Port

Road to India's Strong Transshipment Business

izhinjam, a coastal fishing territory near the Kerala route due to port’s proximity, thereby ensuring saving of capital Thiruvananthapuram is presently just a fuel, and, fishing harbour and an intermediate Port run by • This location requires no dredging at all, and the depth of State Govt. But, this sleepy fishing territory would be more than 20m would be available at Vizhinjam throughout known worldwide as one of the Deepest Ports in the World the year in all climatic seasons unlike in other Indian ports within the next one decade, capable of catering to the where hundreds of crores are required to be spent every entire Transshipment Requirements of our nation. But year for dredging itself to maintain even the minimum how, and why? Here lies the answer. requisite depth. More than 90% of the world trade is handled by These natural advantages make Vizhinjam the most ideal International Shipping Industry. Without shipping, the location for a Deep Water Transshipment Port and to make import and export of goods for the modern full utilization of these factors, the Kerala world would not be possible at all. Sea Govt. has conceived a Transshipment Port This project when borne trade continues to expand, and due to here, for which Tenders have been floated implemented the growing efficiency of shipping as a by VISL (Vizhinjam International Sea Port would take India into mode of transport and trade, the prospects Ltd, a special purpose Govt. Company fully the big league of of this industry’s further growth continue owned by Govt. of Kerala which is acting as nations involved in to be strong. It is estimated that there are implementing agency for the project) and a the Million Dollar over 50,000 ships trading internationally, Transshipment Business, number of major port operators have consisting of Mother Vessels (larger ships) as Vizhinjam would act already submitted the bids. and Feeder Vessels (smaller ships) The necessary supporting infrastructure for as the Focal Point in transporting every kind of Cargo. Mother this Port Project is being setup. 90% of the the Asian sub Vessels capable of handling thousands of land required for the project has been continent in the containers serve between bigger ports, and acquired, Road connectivity is established, movement of Feeder Vessels serve between such bigger Drawing of electrical and water supply lines Transshipment Cargo ports and smaller ports. Mother vessels call are progressing, and Rail connectivity and serve as at only bigger ports having larger Depth, proposal to the port is under consideration Asia’s Deepest wherein containers are transferred to Feeder of the Railway Board. Transshipment Port. Vessels. The process of transferring The crucial Environmental Sanction has containers from such Mother Vessels to been granted by the Union Environmental Feeder Vessels is called Transshipment. Ministry and the Central Govt. has cleared Viability Gap Nature has given so many advantages to Vizhinjam, which Fund (VGF) Assistance worth Rs.800 Crores for this cannot be found elsewhere; project, making it the First Port Project in India to get • 20-24m natural depth available just 500m off the coast VGF. This reduces State Govt’s burden and ensures smooth (Deepest in Asia), ideal for the construction of a Deep Water take off for the project. The National Highway access Transshipment Port capable of handling even the largest already available from the project site to the Trivandrum Mother Vessel ever built in the world (Mother vessels require International Airport is an added advantage. huge depth for docking, and our Country presently does not Needless to say that our country can then boast of having have an Exclusive Transshipment Port with such huge depth one of the World’s Deepest Transshipment Hub Ports of more than 20m available through out the year in all capable of handling the entire Transshipment requirements climatic seasons). of our nation, and helping it • Vizhinjam is located just 10 nautical miles from the busy to save thousands of crores International Shipping Route which carries one third of currently being spent for the Hari k g the world’s shipping traffic, making it ideal for gigantic said purpose in foreign ports. Legal Dept. Mother vessels to call without any deviation from their Head Office

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efmelebyej 2014

Visit

Shivaji Maharaj’s Capital – Raigad Visit of Chairperson & Managing Director

aigad is a district of Maharashtra state, located in the Konkan region. The district was named after Raigad fort, the fort that was the former capital of the Maratha leader Shivaji Maharaj. It is bounded by Mumbai Harbour to the northwest, Thane district to the north, Pune district to the east, Ratnagiri district to the south and the Arabian sea to the west. It includes the large natural harbor of Pen-Mandwa which is immediately to the south of Mumbai harbor. The northern part is included in the planned metropolis of Navi Mumbai and its port, the Jawahar Lal Nehru Port. The district also includes the Isle of Gharapuri or Elephanta, located in Uran which has ancient Hindu and Buddhist caves. The district Headquarters of Raigad is at Alibag which is a coastal town. Alibag is having breathtaking Hillocks, picturesque beaches in and around the town, making it a splendid tourist attraction across entire Konkan region. Among the beaches of Raigad District, Alibag beach, Kashid beach, Kihim beach, Mandva beach, Murud beach etc are main beaches which attracts domestic tourists from Mumbai, Pune and different places of Gujarat. Vikram Vinayak Mandir popularly known as Birla Temple is situated in Village Salav, is one of the landmark of Raigad District. It is situated 20 km away from Alibag. Our Hon’ble Chairperson & Managing Director (CMD), Smt. V R Iyer visited Raigad Zone. She will be remembered at our zone as the first CMD of the Bank to visit the Raigad Zone. Smt. Iyer was at Alibag on Friday, 8th of August 2014. After inaugurating

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efmelebyej 2014

e-gallery at Mulund(West), Madam Chairperson made her maiden visit to our zone. She was accompanied by General Manager, National Banking Group (West) Shri Tarlochan Singh and Deputy General Manager, CMD Secretariat Shri Ashwini K Punn. With her auspicious hands, Smt. Iyer laid down the foundation stone of RSETI (Rural Self Employment Training Institute) in a ceremony held at Alibag, along with Shri Sumant Bhange, District Collector, Raigad and Shri Tarlochan Singh, GM, NBG (West). During her address, Madam Chairperson emphasized

the progressive role being played by RSETI in providing training to the masses hence enabling and promoting self-employment. She interacted with the trainees and enquired about their well being. Afterwards, Smt. Iyer addressed press conference organized at Alibag. While addressing the press, Smt. Iyer declared that Bank of India has climbed to second position among

other public sector banks in terms of total business mix. She further

apprised all present that in Raigad district Bank of India has excelled among all other banks in terms of percentage share of business. Since the formation of Raigad Zone in April 2011, the bank has opened 11 new branches, 53 ATMs and one e-gallery. With opening of these new branches, total numbers of branches have become 60 and numbers of ATMs have reached 64. And as such Raigad Zone is able to bag top position among all zones of National Banking Group West in terms of business growth. She also emphasized the role played by our bank in financial inclusion. Pen and Hamrapur are two important places of Raigad district. Both, Pen and Hamrapur, occupies important place not only in India but also outside India. Artisans of these two places enthrall people by their art of making Lord Ganesh Idol. On their request our Bank has formulated a special scheme under cluster financing. Office bearers of association of Idol makers of Pen and Hamrapur expressed their gratitude by presenting one artistic Ganpati Idol to Smt. V R Iyer

Among all the programmes lined up in schedule of Smt. Iyer, the most attractive and effective was her address to staff members of Raigad zone. Her audience included mixed batch of newly recruited young staff and senior

Visit

staff members who travelled from the length and breadth of the zone. Zonal Manager Shri Lingaraj Bisoi, in his welcome address made reference to the period during which Smt. Iyer took over the reins of the bank in November, 2012. Smt. Iyer took over as Chairperson & Managing Director of the bank when the issue of reorganization was popped up. But Smt. Iyer worked out with her grit, determination and experience gained over years of her service, and result was that Bank of India was able to achieve business mix of above 8.80 lakh crore. Smt. Iyer is a kind of

leader who does not do different things but is doing things differently. Smt. Iyer shared her mission of bringing Bank of India to numero uno position and called every staff member to be part of this mission. She exemplified her life’s experiences thereby educating staff members to strive for the best. The atmosphere during her address to staff address was so enthusiastic, motivating and inspiring that it had made the evening as splendid and delightful as is the sunset at Alibagh.

With no doubt the visit of CMD at Alibagh had made an imprint in the memory of all staff members which will be cherished forever. In the end it could only be said: “We can’t change the direction of the wind, but we can adjust our sails to always reach our destination. Put your heart, mind and soul into even your smallest acts. This is the secret of success… -Report by Zonal Office, Raigad

10 Golden Rules for Ageing Gracefully

1. Live in your own place to enjoy independence and privacy. 2. Hold on to your bank deposits and assets with yourself and your spouse.

3. Don’t depend only on your children’s promise to care for you when you grow old as their priorities may change with time. 4. Expand your circle of friends to include those who will out live you.

7. Do not use old age as your shield and justification to demand, care, respect and attention. 8. Listen to what others say but think and act independently. 9. Pray but not beg even from God. Seek his grace. 10. And finally, do not retire from life.

5. Do not compare/expect nothing from others. 6. Do not meddle in the life of your children. Let them live their life not yours.

Padmaja Ghurye HRD, Head Office

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efmelebyej 2014

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

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

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Mumbai South Zone ZM Shri Dinesh K Garg, GM NBG (W) Shri Tarlochan Singh with Security Advisor to the Governer of RBI Shri D Sivanandan during his visit . He was informed with the working, systems and procedures related to the security preparedness at our Mumbai Main Currency Chest

GM NBG (W) Shri Tarlochan Singh unveiling plaque to mark inauguration of e-gallery at Patto Plaza Branch, Goa Zone along with ZM Shri Sudhir S Jade, Sr. Branch Manager Mrs. Kirandeep Kaur and Shri J A M Barretto

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MNZ ZM Shri S K Mukherjee, DZM Shri A K Jain, BDM Shri Arun Prasad and team MNZ during handing over BOI AXA Rolling Trophy for July 2014 month

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efmelebyej 2014

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

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

Goa Zone, Mandur Branch celebrated Teachers Day with the Teachers of Green lawn Primary School, Neura Mandur Goa. ZM Shri Sudhir S Jade along with BM Shri Satish Mishra and teachers from School

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Goa Zone ZM Shri Sudhir Jade giving Trophy and Certificate to Sr. Br. Mgr. Nerul Branch Shri Prasad Raut for selling maximum SIPs during campaign period. Also seen, DZM Shri Arsekar

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efmelebyej 2014

ˆÅ¸¨¡¸¸¿ ¸¢¥¸ Poetry

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love you, Dad, and want you to know, I feel your love wherever I go.

Whenever I’ve problems, you’re there to assist, The ways you have helped me would make quite a list. Your wisdom and knowledge have shown me the way, And I’m thankful for you as I live day by day. I don’t tell you enough how important you are, In my universe you’re a bright shining star. You have a place of honor Deep within my heart. You’ve been my Superhero , Dad, Right from the very start. Without you, Dad, I wouldn’t be The person I am today; You built a strong foundation No one can take away. I’ve grown up with your values, And I’m very glad I did;

÷¸¸¢£‰¸ Ÿ¸¬¸»™ ¨¸¸£¸µ¸¬¸ú ‚¿ ¸¥¸

So here’s to you, dear father, From your forever grateful kid.

Shashank

S/O Shri S C Arora GM (Retd.), Head Office

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efmelebyej 2014

Being A Woman

am also a God’s creation, A combination, the most extraordinary fusion. Playing roles so varied, But Still, treated as the burden, lifelong carried. Always expected to fulfil all expectations, Still deprived of all possessions. Sometimes as a Goddess of Beauty, Sometimes as a Replica of Brain, I make a Mark! Still my future, without a support is considered Dark. Every now and then, & by every Her and Him, I am corrected, But during all turbulences and windfalls, I am the pillar expected to stay erected. I am presumed to learn the Art of Adjustments, Still! I am the supposition of all Judgments. There are encyclopedias of rules for me… Rules on how and why, rules to talk, dress and live, still against all the injustice I face, I am always the key. Though I am the bearer of God’s all new creation, Still I am treated as a wall, and never a foundation. Giving birth to a Man, who is treated stronger, Though I am the bearer, I am still always weaker. Though I take equal burden in the path of career, But still it’s always a belief, that men cross all the barrier Every time I can feel the behaviour so partial But still there are slogans, “We are not Racial”. Celebrating a single day for Women is not a solution…. Every single moment of Life, We need to take a resolution…. We don’t need discount offers and roses one day in the year to make us feel special… We deserve equity, uniformity everywhere, whether personal or social… Because never forget one truth Man, Creation with extraordinary traits is called a “WOMAN”

Arundhati

d/o Shri Padmanava Behera AGM, Head Office

Home Away from Home

ˆÅ¸¨¡¸¸¿ ¸¢¥¸ Poetry

fter having the day well – spent, I thought about what it all meant. Staring out at the bustling crowd, Listening to laughter in the room; Voices of friends some soft some loud, Hostel is a place where students bloom. The bell replaces the mother’s voice, Roommates fill the siblings’ spot; Rules are followed – not father’s choice, Tasks are done on the dot. Family recalled, but for days; Soon it all falls into place. Freedom seems better than elders’ ways, Smiles play on every face. But don’t we remember our home? That once had been our castle, That shielded us from every storm, That took our tantrums with no hassle. Do we forget those? Who made us what we are, Gave us what we chose, Watched over us, even from far. What about all the times? When she sat by us day and night, When he bought gifts with his dimes, When they spent their lives to make ours right. Why does nature force us to leave? All the love and care we need. For a new future we may weave, And a free life we may lead. But what a heavy price we give Without them, how do we live?

Debashree d/o S K Mishra, AGM, HO

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efmelebyej 2014

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efmelebyej 2014

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efmelebyej 2014

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

CMD Smt. V R Iyer inaugurating e-gallery at Chennai Zone in the presence of GM NBG(S) Shri Kulbhushan Jain, ZM Shri Sripada S Rao & DZM Shri R K Kulray

CMD Smt. V R Iyer inaugurating the Renovated Karnataka Zonal Office Building in the presence of ZM Shri A K Azad, GM NBG(S) Shri Kulbhushan Jain, GM(Credit) Shri S Narasimhan, Ex-GM Shri B S Seshadri & Ex- ED Shri N Seshadri at Karnataka Zone

CMD Smt. V R Iyer felicitating one of the customers during her visit to Karnataka Zone in presence of GM NBG(S) Shri Kulbhushan Jain & ZM Shri A K Azad

GM (HR) Shri Charan Singh visited Bankers Quotient Academy at Coimbatore and interacted with DRO’s of our Bank attending the training

Coimbatore Zone conducted Home Loan Expo 2014. GM NBG(S) Shri Kulbhushan Jain inaugurated the exhibition in the presence of ZM Shri K Rajaraman

‘Online Fee Remittance Facility’ for students of Bharathiar University was inaugurated by Vice Chancellor of Bharathiar University Dr. G James Pitchai at Coimbatore in the presence of GM NBG (S) Shri Kulbhushan Jain & ZM Shri K Rajaraman

Hyderabad Zone ZM Shri R S Chouhan inaugurated Corporate football league in Hyderabad organized by Hyderabad Sky Kings and Elite Football league of India (First men's professional American football league in India)

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efmelebyej 2014

Kerala Zone ZM Shri V Anand along with all the staff members on occasion of Onam Celebrations 2014

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

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GM NBG (C) Shri A K Jain, ZM Shri R K Mitra interacting with panel advocates of the bank during the `Advocate Meet' held at Ahmedabad Zone

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Congratulations ! Shri Sridhar Ramamurthy Publicity Dept. HO elected as Hon. Secretary of the biggest auditorium in Asia, Sri Shankukhanand Chandrasekarendra Saraswathi Auditorium, Sion, Mumbai

Š¸¢÷¸¢¨¸¢š¸¡¸¸Â Activities

The Members of Ladies Club of Bank of India visited MDI. Ladies Club Members with Vice Principal, Resident officer and few faculty members at MDI, Belapur

MDI hosted programme for retiring officers. GM & Principal Shri Debashish Chakraborty, faculty members and participants at MDI Belapur.

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ED Shri R Koteeswaran, GM NBG(S) Shri Kulbhushan Jain, Vice Principal Shri S Fani Kumar during a programme conducted at STC, Chennai.

STC Kolkata organized 5 days training programmes for ‘first time Managers’. GM NBG (E) Shri Anil Kumar Bhalla interacting with participants.

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Congratulations !

ƒÄŸ¸¸›¸™¸£ú / Imandari

Pradyumna K Tripathy Agardanda Branch Raigad Zone JAIIB & CAIIB Shri Jagdish Solanki Navrangpura Branch Ahmedabad Zone

Shri Pandharinath L. Kamble Kalwa Branch Navi Mumbai Zone

Shri Sanjay R. Gomane Mahim Branch MSZ

„œ¸¡¸ÄºÆ÷¸ ¬’¸ûÅ-¬¸™¬¡¸¸½¿ ›¸½ ¬¸¸½›¸½- ¸¸¿™ú ˆ½Å ‚¸ž¸»«¸µ¸ ÷¸˜¸¸ ›¸ˆÅ™ú/‚›¡¸ Ÿ¸»¥¡¸¨¸¸›¸ ¬¸¸Ÿ¸ŠÏú ©¸¸‰¸¸ œ¸¢£¬¸£ Ÿ¸½¿ œ¸”õ½ íº‡/‚¢÷¸¢£Æ÷¸ œ¸¸‡ ‚¸¾£ ƒ›¸ Ÿ¸»¥¡¸¨¸¸›¸ ¨¸¬÷¸º‚¸½¿ ˆÅ¸½ ŠÏ¸íˆÅ¸½¿ ˆÅ¸½ ¥¸¸¾’¸ˆÅ£ ‚œ¸›¸ú ƒÄŸ¸¸›¸™¸£ú ˆÅ¸ œ¸¢£ ¸¡¸ ¢™¡¸¸ - ¬¸¿œ¸¸™ˆÅ

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Mahesh Chandra Nagar Faculty, STC Bhopal Diploma in Home Loan (IIBF)

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¬¸¸¾. ¬¸º ¸¸÷¸¸ ¬¸ºš¸¸ˆÅ£ ™½©¸œ¸¸¿”½, œ¸ºµ¸½ ‚¿ ¸¥¸ ×¸£¸ ¢¥¸¢‰¸÷¸ `‚¸“¨¸¸¿ ¸¸ ¸º¥¸¸' ›¸¸Ÿ¸ˆÅ ˆÅ¸¨¡¸-¬¸¿ŠÏí ˆÅ¸ ¢¨¸Ÿ¸¸½ ¸›¸ œÏ¢¬¸Ö ¬¸¸¢í¦÷¡¸ˆÅ¸£ ”¸Á. ›¸. Ÿ¸. ¸¸½©¸ú ˆ½Å ˆÅ£-ˆÅŸ¸¥¸¸Ê ×¸£¸ 19 ¸º¥¸¸ƒÄ 2014 ˆÅ¸½ œ¸ºµ¸½ Ÿ¸Ê ¬¸¿œ¸¿›¸ íº‚¸— ƒ¬¸ ¬¸Ÿ¸¸£¸½í ˆ½Å ‚š¡¸®¸, ¤¸ÿˆÅ ˆ½Å ¬¸½¨¸¸¢›¸¨¸¼î¸ „œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ¢›¸÷¸ú›¸ Š¸¿šÏ½ ˜¸½— OUR STAFF MEMBER AND A RENOWED GUJARATI AUTHOR SHRI KISHORE ANDHARIA’S 5th BOOK PUBLISHED It is matter of great pride for BOI as our staff member Shri Kishore Andharia, Neelambaug Branch, Bhavnagar, Gujarat released his fifth book “Vachak Kyay Nathi Granthalayma” a collection of humorous articles in Gujarati published by Gurjar’ a reputed publisher of Gujarat. Shri Kishore Andharia has a special place in Gujarati literary world. Starting from the year 1980, Shri Andharia has written five books, including a novel. His mile stone achievement was Science Fiction ‘Valayni

Avkashi Safar’ which was covered in the syllabus of subject Gujarati in Std. 7th of Gujarat state.. This lesson was selected from Shri Kishore Andharia’s award winning book with the same title and was awarded with First Prize by Gujarat state Sahitya Academy in 2009. His short stories, articles and satires are published in standard newspapers and magazines. His radio plays, interviews and other programs are also broadcast on Radio and T.V. from about 34 years.

(Ph.D. ) from IIT, New Delhi (Sub:Synthesis and Study of Structural, Optical and Gas Sensing properties of undoped and doped Tin Oxide (SnO2) Nanostructures. She has done B.Tech & M.Tech from Punjab University. She has presented many papers in various International & National forums.

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Retired But not tired

hri Gajanan Narayan Mhaskar joined Bank of India as Clerk on 16/06/1971 and was promoted as an officer on 1/12/1976. Well qualified academically i.e. B.Sc & MA (Hindi) and professionally CAIIB, IRDA, AMFI and NSC Certification in Financial Markets, Shri Mhaskar rendered almost 37 years of services in the bank before he retired as Marketing Head from MSZ in 2008. During his services, he worked in various branches of the bank and receive appreciation for his good work from all his seniors and top management. He worked as Faculty in one of our training center and was first General Banking officer to Head Official Language Department of the bank. During his tenure, OL department won 2nd Indira Gandhi Rajbhasha Trophy in 1988 and Governer Rajbhasha Shield for all A B and C Regions from RBI. He started first Hindi Magazine of the bank titled ‘¤¸ú‚¸½‚¸ƒÄ ¨¸¸÷¸¸Ä’ (1987-1990) which was also appreciated by bank. Apart, he became member of development of tests for RRB officer and staff. He wrote a Book titled ‘‚¢›¸¨¸¸¬¸ú ž¸¸£÷¸ú¡¸¸½¿ ˆ½Å ¢¥¸‡ ¤¸ÿˆÅ ‰¸¸÷¸½’. Even after his retirement, he remains active with his literary work and is visiting faculty to various reputed institutions. He is freelance translator and has translated many books for IIBF. He is faculty for our Pre-recruitment training organized by MDI, Belapur every year. Shri Mhaskar is very humble person and is doing excellent work after his retirement benefitting our Bank also. We wish him good health and success in his future endeavor. -Editor

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Travelogue

A TRYST WITH HISTORY

5TH August ,1947 is a landmark day for our country and this year when the Prime Minister was delivering his address to the Nation from the rampart of the Red Fort, Delhi, I was preparing for taking a flight out of the country to meet with another history closely associated with the Indian Freedom Struggle. It was almost midnight of 15th August,2014 when my flight took off from the Netaji Subhas Chandra Bose International Airport, Kolkata for Singapore, one of the Asian Economic Lions. Next morning at around 6 am I was at Changi Airport, Singapore. With three jumbo terminals the airport itself is like a mini-city with Sky-rails, Monorails, Escalators, Travelators and several other modes of transport to facilitate the passengers passing through the Airport. After completing the immigration and customs formalities when I came out, Sanjib Guha an eminent Investment Banker and son of my ex colleague Shri Rajib Guha, AGM(Retd.) at Bank of India warmly greeted me and almost whisked me into a large Cab driven by a typical Singaporean. Soon we reached the apartment of the Guhas in a very large luxurious condominium located at Tiong Bahru in the central district of the city. The complex has all the modern amenities one can think of and at times I felt pampered by the hospitality of the Guha family. Today Singapore, a picture perfect city, is the most developed country of Asia as well as the world. It is one of the most important financial hubs of the world and all the Global Financial giants, be it Investment Banks, Commercial Banks, Venture Capitalists or large Pension and Forex Fund Managers, all have their shops in the island city. During my brief stay of a week, Chief Ministers of two Indian States visited Singapore for attracting investments for their states. The other major economic activity of the country is Tourism and thousands of tourists from all over the world visit Singapore, an impeccably clean city with almost zero level of pollution. The country is cosmopolitan in character and has about 60 million population with high level of literacy. There is no countryside for the country and the existence of agriculture and large industry is almost nil. Singapore is one of the biggest trading centers of the world, both internally and internationally. I was extremely happy to see a Metro Station named ‘Little India’ and I could not resist getting down at the station. Meanwhile, let me tell that Singapore Metro and the overall public transport system there is one of the best and most efficient

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systems all over the world. I was amazed and proud to see a very giant shopping mall- ‘MUSTAFA’ owned by an expatriate Indian. One Sunny afternoon, I was taken out by the Guhas to visit the historical site where Netaji Subhas Chandra Bose addressed the soldiers of the Indian National Army(INA) popularly known as ‘Azad Hind Fauz’. Netaji Subhas, who was elected as President of Indian National Congress for two terms, fooled the British Police and disappeared from his house in Kolkata where he was kept under house arrest. He was last seen at Mughalsarai station, Bihar and then at Kabul, Afghanistan. Being impatient with the long drawn process of the principles of Non-Violent movement for freedom of India , Subhas Chandra, out and out a nationalist, decided to go for armed struggle to free India from the British Raj. He met the Nazi leader Adolf Hitler of Germany and from there travelled in a Submarine to Japan and met their Prime Minister Mr. Hideki Tojo for Military help to wage a war against the British rule in India. Singapore was a British Naval Base those days and the Japanese were ruling the island of Sumatra in Indonesia. Japanese ousted the Britishers from Singapore and occupied the island and the entire British troop became prisoners in the hands of the Japanese. A large chunk of the prisoners was from the Indian sub-continent and with the help of the Japan Government Netaji Subhas made them join INA. To motivate them to join the armed Freedom Struggle against the British Raj in India, Netaji Subhas Chandra Bose, the Supreme Commander of the INA, addressed the soldiers at the ESPLANADE Park of the Downtown of Singapore. The INA force with Netaji Subhas at supreme command then attacked the British Forces trooped in Malay and advanced up to the outskirts of Manipur before they were compelled to surrender before the British force and the history flowed through the different course thereafter. On our way to the historical site, we could see the Singapore Parliament and the Supreme Court. A monument was erected at the historical spot by the followers of Netaji Subhas to commemorate the moment of his lecture. The British soldiers later re-occupied the island and destroyed the monument. After attaining freedom from the British the new Singapore Government again rebuilt the monument and since then the site is revered as an historical place to visit by the Indians coming to Singapore. It was Standing in front of History

Travelogue a moment of great joy for us to stand by the side of the monument and pose for a photograph. As a BOI alumni, wherever I go I make it a point to visit the BOI branch if one is there. Our Singapore branch is one of the very old overseas branches of Bank of India and along with Sri Guha I called on Shri Dinabandhu Mahapatra the GM and CEO Singapore center at the branch. The branch is at the heart of the Financial Hub of Singapore and interior was just impeccable. . After the sojourn at Singapore, I travelled to Indonesia and landed at Jakarta the capital of Indonesia. What a contrast it was. If Singapore is a jewel in the crown, Jakarta and for that matter Indonesia is the backyard of the palace, albeit most enchanting. Indonesia was ruled by the Dutch Authorities for almost two centuries until Japanese forces ousted them in 1942 and encouraged the Nationalist movement. In August, 1945 the country attained freedom from the Dutch/Netherland. Trade link between India and Indonesia is very ancient and we all know the centuries old stories of Chand Saudagar and Dhanpati Saudagar who sailed off from India for selling their merchandise in Malay and Indonesia. Old connection with Indian culture is evident from the use of the names from Indian Mythological epics like Ramayana, Mahabharata etc. and I could see several shopping Malls and places named after Arjuna, Bhima and other Indian names. Indonesia, with its more than 17000 large and small tropical islands, is the largest archipelago in the world. All the islands are not inhabited and the country still has many unexplored islands with grand mountain views, green rain forests and deep blue pristine seas all around. Most wellknown islands are Sumatra, Java, Bali, Borneo (renamed as Kalimantan) and Papua. The people of the islands at one point of time embraced Buddhism and one of the oldest and biggest Buddhist monuments of the world is situated at Borobudur at central Java. The Monument was once considered as one of the Seven Wonders of the World. The city of Jakarta is in Java and has two distinct parts- old and new and as I came out of the airport and approached the old city, I found it very congested and the traffic was moving at a snail’s pace. Soon we entered new Jakarta which was like any other big Indian cities with sky scrapers and all kinds of modern facilities. I could see some beautiful mosques in the city and some of them can claim to be

the evidences of highest architectural feat. Four hours drive through the countryside of the biggest Indonesian island was unforgettable and a real feast for the eyes. We went past several Industrial Units on both sides of the Highway and entered the area of plush green laden with paddy fields and orchards growing pineapple, strawberry, coconut, Durian (National fruit of Indonesia) and several other fruits and vegetables. After some time we started climbing the hills and it was no different from the hills as we see in North and South India. The resort was fabulous, though the costs were affordable. Our Bollywood Super star Shahrukh Khan is so popular there that some of the staff members of the resort asked us if we were from his country. We were indeed very happy. Biggest attraction of the Resort was a big natural hot spring and it was a great pleasure to have a splash in the hot water laden with the sulphuric smell. Next morning we were on our way to Jakarta and took a small detour towards a live volcano in the province of Bandung, Java. My joy knew no bound to see a Volcano and that too live, for the first time in my life. The volcano was emitting huge patch of smoke. Then we reached the city of Bandung, the place where the Historic BANDUNG TREATY was signed way back in April, 1955. The Five Principles of Peaceful Coexistence, known as the Panchsheel Treaty proposed by India was incorporated in the Resolution adopted in the historic Asian- African Conference in Bandung, Indonesia. Heads of twenty five Asian-African countries, most of which were newly independent, met at Bandung and discussed the ways and means for ensuring peace and economic growth. From Punchak we left for meeting Shri P L R Iyer the Director and CEO of Bank of India-Indonesia at the Bank’s Head Office at Jakarta. It is a local bank taken over by Bank of India and renamed as mentioned above. Mr. Iyer and myself worked together at Bank of India’s Zonal Office, Kolkata and later at Head Office, Bandra-Kurla Complex, Mumbai. As I understand the local bank taken over by Bank of India is doing very well under the stewardship of Shri Iyer and is contributing handsomely in the profit kitty of the parent Bank. I shall cherish the sweet and long lasting memory of my brief stay at Singapore and Indonesia till the end of my life. N C Majumdar Retd. AGM Kolkatta

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Rajni d/o Shri Ghanshyam Sharma CM, Wode House Branch, MSZ, Cleared Civil Services Examination 2013, 509th rank Indian Revenue Service (Customs & Central Excise)

Nisha d/o Shri Pradeep Pramanic, Zonal Office, Kolkata Best Actress West Bengal Science Drama Competition 2014-15. Satya s/o Organized by : Shri Nilamani Patra Birla Industrial & Technological 3rd in MaRRS Museum (NCSM, Maze of Words National Ministry of Culture, Govt. of India. Championship at Bangalore

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Vaibhavi d/o Shri Nayan M Zaavde ARD, MSZ 93%

Rohini d/o Shri A M Nimbekar LCB Andheri 86.80%

Vaishnvee d/o Shri Mahohar Rohekar Banse Branch Raigad Zone 84.80%

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Savvy d/o Shri Sanjay B Prasad Topper 10+2 Science stream 92% in ISCE Board, New Delhi.

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