Taarangan (Jan-June 2016)

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2016

Bank of India’s Quarterly House Journal Jan-June 2016

Productive and Progressive Financial Year 2016-17

22 ¢¨¸«¸¡¸ ¨¸¬÷¸º CONTENT

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Bank of India’s Quarterly House Journal Jan-June 2016

ABCI

¬¸¿œ¸¸™ˆÅú¡¸ Ÿ¸¿”¥¸ /Editorial Board Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ ‚¸£ ¬¸ú ¤¸¢¥¸¡¸¸£¢¬¸¿í

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General Manager

General Manager

Ÿ¸í¸œÏ¤¸¿š¸ˆÅ Mrityunjay Kumar Gupta Productive and Progressive 016 Financial Year 2016-17

Ÿ¸í¸œÏ¤¸¿š¸ˆÅ R C Baliarsingh General Manager

Ÿ¸í¸œÏ¤¸¿š¸ˆÅ B V Upadhye

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¬¸¿œ¸¸™ˆÅ S M Shakeel Editor

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Opinions expressed in articles published in this magzine do not necessarily reflect the views of the Bank.

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

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A Quarterly Bilingual House Journal of Bank of India

‚¿ˆÅ: ¸›¸¨¸£ú- ¸»›¸ 2016

Volume: Jan-June 2016

œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸ÄˆÅ¸£ú ‚¢š¸ˆÅ¸£ú

Managing Director & Chief Executive Officer ¢œÏ¡¸ ¬¸¸¢˜¸¡¸¸Ê,

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Dear Colleagues,

ˆÅ ¤¸¸£ ¢ûÅ£, ퟸ¸£ú ¢÷¸Ÿ¸¸íú Š¸¼íœ¸¢°¸ˆÅ¸ ÷¸¸£¸¿Š¸µ¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ ¬¸½ ‚¸œ¸ ¬¸ž¸ú ¬¸½ ¬¸¿¨¸¸™ ˆÅ£÷¸½ íº‡ ‚÷¡¸¿÷¸ œÏ¬¸››¸÷¸¸ í¸½ £íú í¾—

‚¸œ¸ ¬¸ž¸ú ˆÅ¸½ ¬¸¿¤¸¿¢š¸÷¸ ‚¸¿ ¸¢¥¸ˆÅ œÏ¤¸¿š¸ˆÅ¸Ê ›¸½ ¨¸÷¸ÄŸ¸¸›¸ ¨¸«¸Ä Ÿ¸Ê ‚¢ŠÏŸ¸¸Ê œ¸£ ™¤¸¸¨¸ ‡¨¸¿ ¸º›¸¸¾÷¸úœ¸»µ¸Ä ‚¸¢˜¸ÄˆÅ ¨¸¸÷¸¸¨¸£µ¸ ˆ½Å Ÿ¸Ó½ ¸›¸£ ¤¸ÿˆÅ ˆÅú œÏ¸˜¸¢Ÿ¸ˆÅ÷¸¸‚¸Ê ˆ½Å ¬¸¿¤¸¿š¸ Ÿ¸Ê ‚¨¸Š¸÷¸ ˆÅ£¨¸¸ ¢™¡¸¸ í¸½Š¸¸— ¸¾¬¸¸¢ˆÅ ‚¸œ¸ˆÅ¸½ ¢¨¸¢™÷¸ í¾ ¢ˆÅ ``‚›¸ ¸ÄˆÅ ‚¸¢¬÷¸ œÏ¤¸¿š¸›¸'', `ˆÅ¸¬¸¸ ¨¸¼Ã¢Ö' ‚¸¾£ `‰¸º™£¸ ¨¡¸¸œ¸¸£ ˆ½Å œ¸®¸ Ÿ¸Ê ¤¸íú ˆÅú œ¸º›¸¬¸ô ¸›¸¸'' (¡¸¸½ ¸›¸¸¤¸Ö ‰¸º™£¸, ˆ¼Å¢«¸ ‚¸¾£ ‡Ÿ¸‡¬¸‡Ÿ¸ƒÄ) ퟸ¸£ú £µ¸›¸ú¢÷¸ ˆ½Å ÷¸ú›¸ œ¸í¥¸» íÿ ¢ ¸›íÊ ``¬’¸£ ¢Ÿ¸©¸›¸ ¨¸›¸'' ˆ½Å ³Åœ¸ Ÿ¸Ê £½‰¸¸¿¢ˆÅ÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾— ƒ¬¸ £µ¸›¸ú¢÷¸ Ÿ¸Ê ¬¸ûÅ¥¸÷¸¸ œ¸¸›¸½ ˆ½Å ¢¥¸‡ ˆ¼Åœ¸¡¸¸ œÏ÷¡¸½ˆÅ ¢™¨¸¬¸ ‡¨¸¿ œÏ÷¡¸½ˆÅ ®¸µ¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ©¸¸‰¸¸ ¬÷¸£ œ¸£ ¢›¸š¸¸Ä¢£÷¸ ¥¸®¡¸¸Ê ˆÅú Ÿ¸¸¢¬¸ˆÅ ‚¸š¸¸£ œ¸£ œÏ¸¦œ÷¸ ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ˆÅ£Ê— í¸¥¸¸¿¢ˆÅ ¥¸Š¸ž¸Š¸ ¬¸ž¸ú ¤¸ÿˆÅ¸Ê Ÿ¸Ê ‚¢š¸ˆÅ¸¿©¸ „÷œ¸¸™ ‡ˆÅ ¬¸Ÿ¸¸›¸ í¾ œ¸£¿÷¸º „›¸Ÿ¸Ê ‚¿÷¸£ ˆÅ¸ Ÿ¸º‰¡¸ ¢¤¸¿™º ¬¸½¨¸¸ ˆÅú Š¸ºµ¸¨¸î¸¸ ‚¸¾£ „÷œ¸¸™ ˆÅ¸½ ™½›¸½ Ÿ¸Ê ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ¬¸Ÿ¸¡¸ í¾— ¨¡¸¸¨¸¸¬¸¸¢¡¸ˆÅ Š¸¢÷¸¢¨¸¢š¸ ¬¸½ ¬¸¿¤¸Ö ¢ˆÅ¬¸ú ž¸ú „Ô¸¸½Š¸ Ÿ¸Ê ``ŠÏ¸íˆÅ ¬¸¿÷¸º¦«’'' œÏŸ¸º‰¸ í¾ ‚¸¾£ ƒ¬¸ œ¸í¥¸º œ¸£ ¢ˆÅ¬¸ú ž¸ú œÏˆÅ¸£ ˆÅ¸ ¬¸Ÿ¸ ¸¸¾÷¸¸ ›¸íú¿ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆÅ÷¸¸— Ÿ¸ÿ ¡¸í ¸¸í»¿Š¸¸ ‚¸¾£ Ÿ¸º ¸½ ‚¸©¸¸ í¾ ¢ˆÅ ‚¸œ¸ ž¸ú ¡¸íú ¸¸íÊŠ¸½ ¢ˆÅ ퟸ¸£ú Ÿ¸í¸›¸ ¬¸¿¬˜¸¸ ˆÅ¸½ „Ô¸¸½Š¸ ¸Š¸÷¸ Ÿ¸Ê ¬¸½¨¸¸

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nce again, I am delighted to communicate with you all through our Quarterly in-house Journal ‘Taarangan’.

You would have been appraised by the respective Zonal Managers about the priorities of the Bank for the current year considering the stress on advances and challenging economic atmosphere. As you are aware “Management of NPA”, “CASA growth” and “Rebalancing of books in favour of Retail business” (schematic retail, agriculture and MSME) are the three prongs of our strategy christened as “Star Mission One”. Please ensure that each day and every moment is utilized to ensure that budgeted targets at the Branch levels are achieved on month to month basis to make our strategy successful.

While products are almost similar in most of the banks, the most important differentiating factor is the quality of the service and time taken to deliver the products.

For any industry engaged in the commercial activity, “customer satisfaction” is the key and there is no room for compromise on this aspect. I would like and I am sure you would also like that our great institution be

¬¸¿™½©¸ MESSAGE

Share you encouraging success stories with “Taarangan” editorial board, who in turn may share the same with all our colleagues. Your success story may prove to be leading light for others.

ˆÅú Š¸ºµ¸¨¸î¸¸ ˆ½Å ¢¥¸‡ ¸¸›¸¸ ¸¸‡— ‚¸ƒ‡, ퟸ ¢Ÿ¸¥¸ˆÅ£ ŠÏ¸íˆÅ œÏ¬¸››¸÷¸¸ ˆ½Å ¢¥¸‡ œÏ¡¸¸¬¸ ˆÅ£Ê— ‚¸œ¸›¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ¬¸½ ¢™›¸¸¿ˆÅ 09/06/2016 ˆÅ¸½ ¸¸£ú ¬¸» ¸›¸¸ ˆÅ¸½ œ¸ õ¸ í¸½Š¸¸, ¸í¸¿ ퟸ¸£½ ¤¸úœ¸ú‚¸£ (ˆÅ¸£¸½¤¸¸£ œÏ¢ÇÅ¡¸¸ œ¸º›¸¢¨¸Ä›¡¸¸¬¸) ¢¨¸ž¸¸Š¸ ›¸½ ¬¸ž¸ú ¬’¸ûÅ ¬¸™¬¡¸¸Ê ¬¸½ ¬¸º ¸¸¨¸ ‚¸Ÿ¸¿¢°¸÷¸ ¢ˆÅ‡ íÿ (HeadOffice.

BPR@bankofindia.co.in)— ƒ¬¸ˆÅ¸ „Ó½©¡¸ ¨¸÷¸ÄŸ¸¸›¸ œÏ¢ÇÅ¡¸¸‚¸Ê ‚¸¾£ œÏµ¸¸¢¥¸¡¸¸Ê Ÿ¸Ê œ¸¸ƒÄ Š¸ƒÄ ˆÅ¢Ÿ¸¡¸¸Ê ˆÅ¸ ¢›¸¨¸¸£µ¸ ©¸ú‹Ï¢÷¸©¸ú‹Ï ¬¸º¢›¸¢ä¸÷¸ ˆÅ£›¸¸ í¾— ƒ¬¸¬¸½ ¬¸¿ ¸¸¥¸›¸ ˆÅ¸½ ¬¸º ¸¸³ ¤¸›¸¸›¸½ ‡¨¸¿ ŠÏ¸íˆÅ ¬÷¸£ œ¸£ ¬¸¿÷¸º¦«’ ¤¸ õ¸›¸½ Ÿ¸Ê ¨¸¼¢Ö í¸½Š¸ú—

known in the industry for the quality of its service. Let us all strive for Customer Delight.

You would have seen Head Office communication dated 9.06.2016, where our BPR (Business Process Reengineering) department has sought suggestions from all staff members (HeadOffice.BPR@bankofindia.co.in).

The purpose is to ensure that the shortcomings in the existing procedures and processes are plugged at the earliest. This will help in ensuring smooth operations and degree of satisfaction at the customers’ level.

ퟸ¸£½ ¬¸¿÷¸º«’ ŠÏ¸íˆÅ íú ¤¸ÿˆÅ ¢¥¸‡ ¬¸¤¸¬¸½ ¤¸”õ½ ‡Ê¤¸½¬¸”£ íÿ— ퟸ¸£½ œ¸¸¬¸ ¤¸íº÷¸ íú ¢›¸«“¸¨¸¸›¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸ ‚¸š¸¸£ í¾ ‚¸¾£ íŸ¸Ê „›¸ˆ½Å ¬¸¸˜¸ ¬¸¿¤¸¿š¸ ¤¸›¸¸‡ £‰¸›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ í¾ ÷¸¸¢ˆÅ ›¸ ˆ½Å¨¸¥¸ „›¸¬¸½ ˆÅ¸£¸½¤¸¸£ú ¬¸¿¤¸¿š¸ ¤¸›¸¸‡ £‰¸½ ¸¸ ¬¸ˆÊÅ ¥¸½¢ˆÅ›¸ ¡¸í ž¸ú ¬¸º¢›¸¢ä¸÷¸ ¢ˆÅ¡¸¸ ¸¸ ¬¸ˆ½Å ¢ˆÅ ¨¸½ ‚œ¸›¸½ ¢Ÿ¸°¸¸Ê ‡¨¸¿ ¬¸Š¸½-¬¸¿¤¸¿¢š¸¡¸¸Ê ˆÅ¸½ ¤¸ÿˆÅ ¬¸½ ¸º”õ›¸½ ˆ½Å ¢¥¸‡ œÏ½¢£÷¸ ˆÅ£ ¬¸ˆÊÅ—

Our satisfied customers are the best ambassadors of the Bank. We have a very loyal base of customers and we need to remain in touch with them for ensuring not only further strengthening of business relationship but also for ensuring that they recommend our Bank to their friends and relatives.

‚¸œ¸ˆÅ¸½ ¢¨¸¢™÷¸ íú í¾ ¢ˆÅ „÷œ¸¸™ ¸ÿ¢œ¸¡¸¿¬¸ ˆÅú ‚¨¸š¸¸£µ¸¸ ˆÅ¸½ ž¸ú ©¸º³ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾— „÷œ¸¸™ ¸ÿ¢œ¸¡¸¿¬¸ ¤¸¸ ¸¸£ Ÿ¸Ê „œ¸¥¸¤š¸ ¬¸¨¸¸½Ä÷ˆ¼Å«’ „÷œ¸¸™¸Ê ˆÅú ¢¨¸©¸½«¸÷¸¸‚¸Ê / ˆÅ¸¡¸Ä œÏµ¸¸¢¥¸¡¸¸Ê œ¸£ ¢›¸£¿÷¸£ ›¸{¸£ ¤¸›¸¸‡ £‰¸½Š¸ú ÷¸¸¢ˆÅ ퟸ¸£½ „÷œ¸¸™ ¡¸¸™¸ œÏ¢÷¸¡¸¸½Š¸ú ‚¸¾£ „œ¸ž¸¸½Æ÷¸¸ ¢í÷¸¾«¸ú ¤¸›¸ ¬¸ˆÊÅ—

As you are aware, the concept of Product Champions has also been introduced. The Product Champions would scan the market on an on-going basis to identify best features/practices of products to make our products more competitive as also user friendly.

Ÿ¸º ¸½ ¡¸í „¥¥¸½‰¸ ˆÅ£÷¸½ íº‡ ž¸ú í«¸Ä í¸½ £í¸ í¾ ¢ˆÅ ퟸ¸£½ ‚š¡¸¡¸›¸ ‡¨¸¿ ¢¨¸ˆÅ¸¬¸ ¢¨¸ž¸¸Š¸ ›¸½ 100 ¬¸½ ¡¸¸™¸ ƒÄ-¥¸¢›¸ôŠ¸ Ÿ¸¸Á”¡¸»¥{¸ ¢¨¸ˆÅ¢¬¸÷¸ ¢ˆÅ‡ íÿ, ¸¸½ ‡ ¸‚¸£‡Ÿ¸‡Ÿ¸ Ÿ¸Ê „œ¸¥¸¤š¸ íÿ— ƒ›¸ Ÿ¸¸Á”¡¸»¥{¸ ˆÅ¸ ¢” ¸¸ƒ›¸, ˆÅ¸¾©¸¥¸ ‚¸¾£ „÷œ¸¸™ ˆ½Å ¤¸¸£½ Ÿ¸Ê ¸¸Š¸³ÅˆÅ÷¸¸ ¢¨¸ˆÅ¢¬¸÷¸ ˆÅ£›¸½ ˆ½Å ¢¥¸‡ ¢ˆÅ¡¸¸ Š¸¡¸¸ í¾ ¸¸½ ‚¿÷¸÷¸À ˆºÅ©¸¥¸ ŠÏ¸íˆÅ ¬¸½¨¸¸‡¿ ™½›¸½ Ÿ¸Ê ¬¸í¸¡¸ˆÅ í¸½Š¸¸— ˆ¼Åœ¸¡¸¸ ‚œ¸›¸ú œÏ½£ˆÅ ¬¸ûÅ¥¸÷¸¸ ˆÅú ˆÅí¸¢›¸¡¸¸¿ ÷¸¸£¸¿Š¸µ¸ ˆ½Å ¬¸¿œ¸¸™ˆÅ Ÿ¸¿”¥¸ ¬¸½ ¬¸¸ ¸¸ ˆÅ£Ê ÷¸¸¢ˆÅ ¨¸½ ‚¸Š¸½ ƒ›¸ œÏ½£ˆÅ ˆÅí¸¢›¸¡¸¸¿½ ˆÅ¸½ ¬¸Ÿ¸¬÷¸ ¬¸íˆÅ¢Ÿ¸¡¸¸½ô ˆ½Å ¬¸¸˜¸ ¬¸¸ ¸¸ ˆÅ£ ¬¸ˆ½Å¿ — ‚¸œ¸ˆÅú œÏ½£µ¸¸÷Ÿ¸ˆÅ ˆÅí¸›¸ú ¢ˆÅ¬¸ú ‚›¡¸ ˆ½Å ¢¥¸‡ ‡ˆÅ £¸½©¸›¸ú ˆÅú ¢ˆÅ£µ¸ ¬¸¸¢¤¸÷¸ í¸½ ¬¸ˆÅ÷¸ú í¾— ‚¸œ¸ˆÅ¸½ ‡¨¸¿ ‚¸œ¸ˆ½Å œ¸¢£¨¸¸£ ˆÅ¸½ ‚¸Š¸¸Ÿ¸ú ˆÅ¸¡¸øô ˆ½Å ¢¥¸‡ í¸¢™ÄˆÅ ©¸ºž¸ˆÅ¸Ÿ¸›¸¸‡¿—

I am happy to mention that our L&D Department has developed over 100 e-learning modules, which are available in HRMS. These modules have been designed to develop skills and product awareness, ultimately leading to efficient customer services.

Ÿ¸¿Š¸¥¸ˆÅ¸Ÿ¸›¸¸‚¸Ê ¬¸¢í÷¸

Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½

Please share you encouraging success stories with “Taarangan” editorial board, who in turn may share the same with all our colleagues. Your success story may prove to be leading light for others.

Wishing you and your families all the very best in all your endeavours.

With Warm Regards,

Melwyn Rego

Taarangan

January-June 2016

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Dear Readers,

I

t is indeed matter of joy and pride in presenting our InHouse Journal ‘Taarangan’ to all the eminent readers every quarter. In our endeavor to keep our readers updated with the latest happenings in the Bank, this edition has been slightly changed by combining activities of two quarters i.e. Jan-June 2016.

Further, you all are aware of the financial results for the year ending March 2016 of the bank. The reasons for declining profit is more or less due to provisioning on account of rise in NPAs. On the one hand we have declared War on NPAs and on other hand we are working relentlessly on our prolonged strategy of ‘Star Mission One.’ The Key to success is to remain focused on our goals. The success depends upon our concerted efforts put together each day to achieve the coveted goals. I would like to quote from the book ‘Lead the Field’ written by Earlnightingale.

Quote “Let’s take one day, from the time we wake up in the morning until we drop off to sleep that night, keeping our goal in mind as often as possible.

Now, each day consists of a series of tasks – tasks of all kinds. And the success of a day depends upon the successful completion of most of these tasks. If everything we do during the day is a success – that is, done in the best fashion of which we’re capable – we can fall asleep that night in the comfortable knowledge that we’ve done our very best, that our day has been a success, that one more effort has been successfully put into place. This is the way to live really ! Do, each day all that can be done that day. You don’t need to overwork – or to rush blindly in to your work, trying to do the greatest possible number of things in the shortest possible amount of time. Don’t try to do tomorrow’s – or next week’s – work today. It’s not so much the number of things you do but the quality, the efficiency of each separate action that counts. Gradually, you’ll find yourself increasing the number of tasks and performing them all much more efficiently.

To get the habit of success (and that’s why successful people go from one success to another – because it’s a habit with them), you need only to succeed in the small tasks of each day.

This makes a successful day. With enough of these, you have a successful week, month, year – and lifetime.

This is why I say success is not a matter of luck – far from it.

It can be predicted and guaranteed, and anyone can achieve it by following this plan. Almost before you realize it, you’ll have achieved your goal. In looking back, you’ll realize that your success was not attributable to any one day, week, or month.

Rather, it was the consistent, unrelenting, successful succession of single days that did the trick. Unquote” I must say that we need to plan ourselves so that together we can achieve the goals and take our organization to the greater heights.

Enjoy the edition and send your feedbacks at Headoffice.

Taarangan@bankofindia.co.in

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

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ELEVATION / RETIREMENT

Reconstitution of Editorial Board

Welcome

Hearty Welcome New General Managers

Sheela Subhash Sail 1 April - 2016

Durga Prasad Mishra 1 April - 2016

Shri Mrityunjay Kumar Gupta has taken over as General Manager (HR) w.e.f. 01 June 2016. He is now Chairman of the Editorial Board of our In-House Journal ‘Taarangan’.

Shri Gupta has vast experience and knowledge in the banking field. He is having very good literary skills. He was a member of Editorial Board of IBA Magazine 'The Indian BANKER'. His articles have been published in various reputed journals. He has been a prominent writer and active contibutor to our In-House Journal ‘Taarangan’.

Burra Butchi Babu 1 April - 2016

Prasad Joshi 1 April - 2016

Raj Kumar Mitra 1 April - 2016

His rich experience and literary knowledge will definitley help us to improve and take 'Taarangan' to newer heights. We look forward to his guidance and support.

We are thankful

Sudipta Kumar Mukherjee 1 May - 2016

Ravi Prakash Gupta 1 June - 2016

Congratulations from BOI PARIVAR and best wishes for the new assignments

Happy Retirement General Managers Shri R N Kar, General Manager (HR) and Chairman of the Editorial Board of Taarangan retired on 31 May 2016. Our heartfelt thanks to him for giving his valuable guidance and support to our In-House Journal ‘Taarangan’. Our journal won many laurels and awards during his tenure. We wish him a very healthy and peaceful retired life.

Nagin Shankarlal Surti Sadanand Narva Salian Kuldeep Kumar Arora Anil Kumar Bhalla P L Ramchandran Iyer

29-Feb-16 29-Feb-16 29-Feb-16 31-Mar-16 30-Apr-16

BOI PARIVAR wishes them very peaceful, contented and healthy retired life.

Taarangan

January-June 2016

7

‰¸¸¬¸-‰¸¸¬¸ / KHAS-KHAS

œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸ÄˆÅ¸£ú ‚¢š¸ˆÅ¸£ú ׸£¸ ›¸½³¥¸ Ÿ¸Ê `›¸¨¸¢›¸Ä¢Ÿ¸÷¸ É¥¸½’ì¸' ˆÅ¸ „™Ã‹¸¸’›¸ ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‚¸¾£ Ÿ¸º‰¡¸ ˆÅ¸¡¸ÄˆÅ¸£ú ‚¢š¸ˆÅ¸£ú ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ ׸£¸ ›¸½³Å¥¸ ¦¬˜¸÷¸ ¤¸ÿˆÅ ‚¢š¸ˆÅ¸£ú ‚¸¨¸¸¬¸ Ÿ¸Ê ›¸¨¸-¢›¸¢Ÿ¸Ä÷¸ ’¸¨¸£ ˆÅ¸½ „™Ã‹¸¸’›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ƒ¬¸ ‚¨¸¬¸£ œ¸£ „›í¸Ê›¸½ ¨¸¼®¸¸£¸½œ¸µ¸ ¢ˆÅ¡¸¸ ÷¸˜¸¸ ¨¸í¸¿ „œ¸¦¬˜¸÷¸ ¬’¸ûÅ ¬¸™¬¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ž¸ú ¢ˆÅ¡¸¸— „›í¸Ê›¸½ ˆÅí¸ ¢ˆÅ ƒ›¸ É¥¸½’ì¸ ˆ½Å ¤¸›¸›¸½ ¬¸½ ¤¸ÿˆÅ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅú ‚¸¨¸¸¬¸ú¡¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿ ˆÅ¸½ œ¸»£¸ ˆÅ£›¸½ Ÿ¸Ê ¬¸í¸¡¸÷¸¸ ¢Ÿ¸¥¸½Š¸ú— ƒ¬¸ ‚¨¸¬¸£ œ¸£ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ-œ¸¢£¬¸£ ªú ‡¬¸ ˆ½Å ˆÅ¬¸¥¸ú¨¸¸¥¸, ¬¸í¸¡¸ˆÅ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú œ¸ú ˆ½Å ©¸Ÿ¸¸Ä, ‚¸¿.œÏ. ›¸¨¸ú Ÿ¸º¿¤¸ƒÄ ‚¿ ¸¥¸ ªú ‡¬¸ ¬¸ú ¬¸¸£¿Š¸ú, œ¸¢£¬¸£ ¢¨¸ž¸¸Š¸ ˆ½Å ¬’¸ûÅ ¬¸™¬¡¸ ‡¨¸¿ ›¸½³Å¥¸ ‚¸¨¸¸¬¸ú¡¸ œ¸¢£¬¸£ Ÿ¸Ê £í›¸½ ¨¸¸¥¸½ ¬’¸ûÅ ¬¸™¬¡¸ ž¸ú Ÿ¸¸¾ ¸»™ ˜¸½—

œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‡¨¸¿ Ÿ¸º‰¡¸ ˆÅ¸¡¸ÄˆÅ¸£ú ‚¢š¸ˆÅ¸£ú ׸£¸ ¥¸‰¸›¸… Ÿ¸Ê `¬’¸£ œ¸¢£¬¸£' ž¸¨¸›¸ ˆÅ¸ ¢©¸¥¸¸›¡¸¸¬¸ ‡¨¸¿ ¨¸¼®¸¸£¸½œ¸µ¸ ¤¸ÿˆÅ ˆ½Å œÏ¤¸¿š¸ ¢›¸™½©¸ˆÅ ‚¸¾£ Ÿ¸º‰¡¸ ˆÅ¸¡¸ÄˆÅ¸£ú ‚¢š¸ˆÅ¸£ú ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ ׸£¸ ¢™›¸¸¿ˆÅ 22 ‚œÏ¾¥¸ 2016 ˆÅ¸½ ¥¸‰¸›¸… Ÿ¸Ê Š¸¸½Ÿ¸÷¸ú›¸Š¸£ ˆ½Å ¢¨¸ž¸»¢÷¸‰¸¿” ¦¬˜¸÷¸ ’ú¬¸ú-9 ¨¸ú Ÿ¸Ê œÏ¬÷¸¸¢¨¸÷¸ `¬’¸£ œ¸¢£¬¸£' ž¸¨¸›¸ ˆÅ¸ ¢©¸¥¸¸›¡¸¸¬¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ƒ¬¸ ‚¨¸¬¸£ œ¸£ „›í¸Ê›¸½ œ¸¼˜¨¸ú ¢™¨¸¬¸ œ¸£ ¨¸¼®¸¸£¸½œ¸µ¸ ¢ˆÅ¡¸¸ ÷¸˜¸¸ £¸«’ïú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í („-II) ‡¨¸¿ ¥¸‰¸›¸… ‚¿ ¸¥¸ ˆ½Å ¬’¸ûÅ ¬¸™¬¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ž¸ú ¢ˆÅ¡¸¸— ƒ¬¸ ‚¨¸¬¸£ œ¸£ £¸«’ïú¡¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í („-II) ˆ½Å Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ˆ¼Å«µ¸ ¥¸¸¥¸ ©¸Ÿ¸¸Ä, „œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ¬¸º¥¥¸‰¸›¸ ¢¬¸¿í, „œ¸ Ÿ¸í¸œÏ¤¸¿š¸ˆÅ ªú ¨¸ú£ÊÍ ˆºÅŸ¸¸£, ¥¸‰¸›¸… ‚¿ ¸¥¸ ˆ½Å ‚¸¿ ¸¢¥¸ˆÅ œÏ¤¸¿š¸ˆÅ ªú £¸ ¸ Ÿ¸í¸¦›÷¸, „œ¸ ‚¸¿ ¸¢¥¸ˆÅ œÏ¤¸¿š¸ˆÅ ªú ‡¬¸ ˆ½Å œ¸¿¢”÷¸¸ ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸ „œ¸¦¬˜¸÷¸ ˜¸½—

MOU signed between Bank of India and Reliance General Insurance Co. Ltd.

MOU signed between Bank of India and Star Health and Allied Insurance Co. Ltd.

(LtoR) Reliance General Insurance Co. Ltd Chief Marketing Officer Shri Amit Ganorkar, CEO Shri Rakesh Jain, GM Shri R C Baliarsingh, exchanging MOU in presence of MD & CEO Shri Melwyn Rego and ED Shri R A Sankara Narayanan at Head Office.

(LtoR) MD & CEO Shri Melwyn Rego, Star Health & Allied Insurance Co. Ltd, ED Dr. S Prakash, GM Shri R C Baliarsingh and ED Shri R P Marathe during exchange of MOU at Head Office.

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Inauguration of Information Technology Operation Center, Belapur ED Shri R P Marathe inaugurated Information Technology Operation Center, Belapur along with then GM (IT) Shri Anil Bhalla, GM (IT) at present, Shri Butchi Babu, DGM (IT) Shri Rajesh Ram and Team Data Centre, Belapur

„ ¸¾›¸ ‚¿ ¸¥¸ ˆ½Å ›¸¨¸-¢›¸¢Ÿ¸Ä÷¸ ‚¸¿ ¸¢¥¸ˆÅ ˆÅ¸¡¸¸Ä¥¸¡¸ ž¸¨¸›¸ ˆÅ¸ „™Ã‹¸¸’›¸

MD & CEO visits Staff Training College, Noida

¢©¸¥¸¸-¥¸½‰¸ ˆÅ¸ ‚›¸¸¨¸£µ¸ ˆÅ£÷¸½ íº‡ ˆÅ¸.¢›¸. ªú ‚¸£ ‡ ©¸¿ˆÅ£ ›¸¸£¸¡¸µ¸›¸— ¬¸¸˜¸ Ÿ¸Ê, MD & CEO Shri Melywn Rego during his visit to STC, Noida. (LtoR) Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú-Ÿ¸š¡¸ ªú ‚¸£ ˆ½Å ¢Ÿ¸°¸¸, ‚¸¿.œÏ. ªú ‡ ˆ½Å œ¸¸“ˆÅ, „œ¸ ‚¸¿.œÏ. ªú ¢¤¸Ô¸º÷¸ PRO Shri H C Khurana, VP STC Noida Shri R K Sardana, GM NBG North-I Shri Dinesh Garg, MD & CEO Shri Melywn Rego, GM NBG ˆºÅµ”», Ÿ¸º.œÏ. ¬¸ú‡¬¸”ú ªú ‚¸£ ‡¬¸ “¸ˆºÅ£, ‡¨¸¿ Ÿ¸º.œÏ.- (Ÿ¸¸.¬¸¿.) ªú ˆ½Å ¬¸ú ©¸Ÿ¸¸Ä— North II Shri K L Sharma & Principal STC Noida Shri V S Gupte.

Taarangan

January-June 2016

9

BANKING PLUS

STARTUP BLUEPRINT

A GREAT OPENING FOR INNOVATIVE ENTREPRENEURS

Government of India has unveiled “Startup Blueprint” on 16th January, 2016.This blueprint is to ease the process of setting new ventures by innovative entrepreneurs. Prime Minister Narendra Modi has taken his personal initiative to release the blueprint of Start Up India’ programme which includes Startups and Entrepreneurship Law to make it easier for setting up new ventures and closing unviable ones, besides clearing regulatory issues that hamper access to finance.

There are a lot of challenges ahead for performing Credit Managers of Banks with the emergence of true spirit in Startups in India. It’s a bright dawn for the innovative entrepreneurs. It is lit up now! Any business opening made by Government will have direct impact on Bankers, who are the ultimate financial carriers for commercial outlays in the country. That is true in case of Startups too.

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Government of India has unveiled “Startup Blueprint” on 16th January, 2016. This blueprint is to ease the process of setting new ventures by innovative entrepreneurs. Prime Minister Narendra Modi has taken his personal initiative to release the blueprint of Start Up India’ programme which includes Startups and Entrepreneurship Law to make it easier for setting up new ventures and closing unviable ones, besides clearing regulatory issues that hamper access to finance. The ‘Start Up India, Stand Up India’ initiative has been announced in PM’s Independence Day address last year and there had been expectations in the business world for the specifics of an action plan on start-ups.

It is Prime Minister’s vision to infuse more energy into India’s start-up ecosystem with a bouquet of initiatives such as making tax-free the profits of these fledgling units for three years, supported by ` 10,000 crore of government funding over four years, no visits by labour inspectors for three years, and quicker and subsidised patent clearances.

The Start Up India policy would attempt to address two key concerns the government wants to fix in India’s start-up ecosystem.

It was experienced that over 65 per cent of successful start-ups had to re-locate out of India owing to the difficulty of doing business, usually to Singapore. Further, it is observed presently that 90 per cent of start-up funding comes from foreign VC and PE funds. If Indian start-ups focus on the country’s unique problems,

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the successful business models can be exported abroad.

The “Start-up India, Stand-up India” action plan promises a new mobile app to enable start-ups to register themselves and apply for clearances online, and also easier exits for failed ventures with a provision for winding them up within 90 days under a proposed bankruptcy and insolvency law.

How it differs from traditional SME models?

This is an effort to make a new category of business viz., ‘Innovative Start-ups’ to distinguish from micro, small, medium and large enterprises which are well known conventional business models. There is going to be a special support structure for such innovative start-ups, which will involve funding from the government as per needs. The GoI would, through the domestic venture capital funds, may take a 25 per cent stake in the Innovative Startups. A Professional venture capital (VC) and Private Equity (PE) funds would have the responsibility of due diligence, mentoring and refining of business ideas.

As these start-ups gain in scale after two or three years, other investors, including PE and VC funds could buy back the government venture fund’s stake. This would help create a revolving fund to finance such ventures with transformative potential, as the government can deploy the proceeds from exiting these start-ups to fund other ideas.

Focus of the Start Up The focus of the Start Up and Entrepreneurship Bill would be on making it easier to start, operate and close a business in India. There will be a provision to allow an unsuccessful venture to shut shop in the short-run without risk to an entrepreneur’s personal property.

While these measures would facilitate general support for young entrepreneurs, there will be special incentives for the innovative start-ups that the government feels a need of additional support, as the risks may be higher in the Innovative Start-ups than in a conventional business model. At the same time, the returns from such ventures would be higher if it could achieve its transformative potential.

Currently, the government-backed India Aspiration Fund, announced in the Union Budget with a first tranche of ` 2,000 crore, acts as a fund that allocates money to different domestic venture funds which provides seed funds to innovators and entrepreneurs. Nearly 90 per cent of the first tranche of funds have been allocated already and another tranche would be considered once this is exhausted.

The government is striving to broadbase the methodology for identifying an ‘innovative startup’ and attempts are made to work out the modalities under the policy and one of the options under consideration is to allow the heads of a government-backed incubator or technology development bodies in different sectors to certify or vet the innovative startups.

Taxation issues Promising easier access to more finance for budding entrepreneurs through a ` 2,500-crore fund of funds annually over the next four years, the government would address the taxation issues that plagued start-ups, including the tax on investments in start-ups by domestic angel and venture capital funds in the upcoming Budget. There will be tax incentives for government-recognized funds and they would be exempted from capital gains.

The issue of fair market valuation and

tax on investments would also likely to be resolved.

A tax is currently levied on all funding provided by domestic angel and venture capital funds to start-ups, with income tax authorities having the power to determine the valuation at which such investments are made on the basis of a “fair market value”.

It is felt at industry level that it could lead to several tax disputes as start-up valuations are often subjective and linked to the power of an idea, rather than traditional valuation methods based on cash flows. These taxes are not levied on foreign financiers who account for over 90 per cent of funding for Indian start-ups. If someone invests the gains from the sale of property into their own business, it will be exempt from capital gains tax.

The PM has announced a moratorium on income tax payments on start-up profits and labour law inspections for the first three years of operations, and said compliance with nine environment and labour laws would be allowed on the basis of self-certification. The recent budget announces a 100 percent tax deduction for three years over a period of five years for Startups approved before FY 2019 under the Startup India scheme.

Definition The government has set out the definition of a ‘startup’ to ensure that only deserving companies draw the benefits of its ‘Startup India Action Plan’ and to “create an encouraging environment for startups in India”. As per a government notification, ‘startup’ companies would be required to have equity funding of at least 20% by any incubation, angel or private equity fund, an accelerator or angel network duly registered with the Securities and Exchange Board of India endorsing.

Innovative entrepreneurs have been called to attempt solving some of India’s unique problems such as making health care easily affordable or improving farm supply chains so that fruits and crops do not rot. Intellectual property is the main asset of new ventures, but sometimes it takes

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months to process a patent application.

There is a need to merge our Youth Property with IP, so there is necessity to fast-track such patents and give start-ups an 80 per cent rebate on the fees, while bearing the entire cost for facilitating quicker clearances.

A recent report states that startups in India are expected to raise USD 700 mn and 5000 jobs in the next 12 months.

The Start Up in India initiative plans to move in the same direction by providing incentives to Startups in the form of better incubation, talent and capital.

Now the bankers are going to face the new challenges, as there is no big scope to resist the new impetus. Chanceless indeed!

But the new generation credit managers have the grit and guts to handle new scenario on the new platforms. They are the direct partners with the government in the growth of GDP and hence there is no space to escape. When it is inevitable, it would be in order to lie down and hold the gun straight at the target. For the ambitious aspirants, it would be a winning contest! Good credit risk managers always run into safer lanes successfully, without a spillage.

If you are an intelligent, innovative banker, you are wanted!

M E Prabhakara Babu Retired AGM Chennai

January-June 2016

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

MD, BOI Tanzania Shri Sanjib Sarkar presenting maiden Dividend Cheque to the then GM (HR) Shri R N Kar along with him other Directors and IBOs.

CE Kenya Center & GM Shri A K Azad with Hon’ble Minister of State (independent charge) Commerce and Industries Smt. Nirmala Sitharaman, Indian High Commissioner to Kenya H.E Smt. Suchitra Durai, Cabinet Secretary for Industrialization, Kenyan Government Mr. Adan Mohammed along with other dignitaries of Kenyan industries and commerce during her visit to Nairobi, Kenya in connection with recent WTO conference held at Nairobi.

The then Hon’ble Indian Central Minister of State (IC) for Environment, Forest and Climate Change Shri Prakash Javadekar visited Nairobi, Kenya. CE Kenya Center Shri A K Azad with Hon’ble Minister Shri Prakash Javadekar and Indian High Commissioner to Kenya Smt. Suchitra Durai and other dignitaries.

(LtoR) Smt. Preeti Bhatia, Manager, Shri Akhilesh Kumar and Shri Anil Prakash of Glasgow Branch staff at the stall installed on the eve of opening ceremony of one of the biggest Gurudwara in Scotland at Glasgow.

GM (HO) Shri S K Kasliwal visited Singapore Centre with his team for conducting Risk Based Internal Audit. CE & GM Shri C G Chaitanya, Mrs. Sreedevi Chaitanya, Deputy CE Dr. O P Lal & other audit team members and IBOs.

ED Shri R A Sankara Narayanan along with CE & GM Shri C G Chaitanya, Deputy CE Dr. O P Lal & IBOs during his visit to Singapore Branch.

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CE Japan Centre Shri Monoj Das briefing about Bank operations at Japan to Hon’ble Minister of Finance Shri Arun Jaitley and MP Shri Jay Panda along with other important dignitaries.

GM (HR) Shri M K Gupta with MD BOI New Zealand Shri R A Jha and other staff members during his visit to New Zealand.

Embassy of India, Japan had arranged for a meeting of all Indian PSUs operating in Japan with Shri Arun Jaitley, Hon’ble Minister of Finance on 03.06.16. All PSUs viz. Bank of India, SBI, New India Assurance and Air India made a brief presentation about their operations in Japan. Among others, his Excellency Ambassador of India to Japan Mr. Sujan R Chinoy and selected few top officials of the PSUs attended the meeting.

Mr. Arun Jaitley was accompanied by Mr. Jay Panda, Hon’ble Member of Parliament.

GM (HR) Shri M K Gupta with the staff members of Hamilton Branch during his visit to BOI (New Zealand.) Ltd.

BOI Tanzania donated science books to needy students of higher secondary schools in Tanzania under Image Building and CSR activity.

Indian High Commissioner Shri Sandeep Arya, MD Shri Sanjib Sarkar and GM Shri Dinesh Prasad along with school representatives at Tanzania.

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Taarangan

January-June 2016

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TRIBUTE

his mother. His father took a conscious decision to remain single throughout his life. Both of them brought up Nikhil and remained by his side till end.

Nikhil was a talented multifaceted child. He was a bright student. He graduated (B.Sc.) in first class. He had keen interest in literature and a flair for writing. He wrote essays and articles which were published in the reputed newspapers. He developed special interest in trekking and hiking and visited many challenging summits and historical places. He used to mimic star artists and folks, and entertain the audience. He was a foodie and used to try his hand at special recipes.

BRAVEHEART Jidd Jaganyachi

Sudhir Mulherkar Dataware House Head Office

S

achhidanand Karkhanis joined the Bank (Bullion Exchange Branch) in the year 1962 and after putting in more than 37 years of meritorious service, superannuated in 2000 from the SEEPZ Branch. Santosh Mokashi joined the Bank (Bombay Office) in 1977 and opted for VRS in 2000. During his tenure of 23 years, he inter-alia authored his maiden book titled “Book-keeping” for CAIIB Part I aspirants, which was received well.

This is a true, exceptional story of a battle between destiny on one hand and the duo, brave father (Sachhidanand Karkhanis) and his son (Nikhil) on the other hand.

When Nikhil was just eight years, destiny struck (may be) for the first time. His grandfather and mother passed away on the same day. After the tragic blow, his grandmother became

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Young Nikhil was an allrounder. His career flourished as he joined top companies like Microsoft, Systime and finally Mahindra British Telecom (now, Tech Mahindra Ltd.).

However, destiny struck once again. A regular trekker and hiker, who had undertaken numerous expeditions, Nikhil suddenly felt pain and difficulty in walking. On examination, it was diagnosed that he was suffering from a very rare and incurable disease “Neurofibromatosis”. It forms tumors in the nervous system and obstructs communication from brain to limbs, gradually paralyzing the organs one by one.

In Nikhil’s case, it began with legs. He was operated upon his spinal cord twice, but to no avail. Nikhil however never got dejected and took every odd as a challenge. His father stood rock-solid behind him in his battle against destiny. Nikhil’s strong desire for life and willpower gave him strength to scale mountains of problems he faced.

Nikhil was deputed to British Telecom, London through his company. He stayed there for 4 years, despite his handicap.

Not only this, he invited his father to London and arranged his tour to Europe with minutest planning. Nikhil was an ardent sports fan. He also attended the prestigious Wimbledon Tennis tournament Live during his stay in London. He stood in the long queue overnight in chilly weather for getting the ticket.

When Nikhil’s hands stopped functioning, he become a faculty member of staff training in Tech Mahindra. He excelled himself, here too and also bagged training Proficiency Award twice.

Nikhil continued his struggle against the dreadful disease for 19 long years. At one point of time, all his limbs stopped functioning and he was confined to a wheelchair, still this ‘Braveheart’ did not give away. He went to Port Blair in that condition just because he wanted to see the Cellular Jail, where Swatantraveer Savarkar was once imprisoned by the British Government. He attended function, mixed up with dear ones and enlightened every gathering with his wit and humour. He had his share of bad luck and suffered tremendously throughout his life but he spread happiness in the lives of the people around him by his exemplary behaviour.

He was a true ‘Anand’ in spirit.

Ultimately on 4th April 2012 Nikhil’s soul left for heavenly abode. On first death anniversary of Nikhil, his father Sachhidanand Karkhanis along with the relentless efforts taken by Shri Rajan Mankame (ex-BOI) published a book named ‘Braveheart’ by collecting and compiling all the writing of Nikhil.

Shri Sachhidanand G Karkhanis (alias Sachcha) and Shri Santosh Y Mokashi (both ex-employees) are producing a Movie in Marathi, titled “BRAVEHEART – Jidd Jaganyachi” (Strong desire to Live) based on the real life story of late Nikhil Karkhanis, s/o Sachhidanand Karkhanis.

is also appearing in the movie) are from Bank of India family.

Our Bank has also kindly supported the project and we are sincerely grateful for it. Now the shooting of the movie is over and the movie is expected to be released shortly. We hereby appeal to all the readers, the fraternity of Bank of India to come One and All, and watch the inspiring tale and make it immortal. Come and let us give a hand to rekindle the spirit of hope and happiness, which is inter-alia the need of the hour too.

The saga of this young man has been converted into a movie by his father and his friend Shri Mokashi. “BRAVEHEART – Jidd Jaganyachi” is a story of determined fight of the man and destiny, between life and death, tolerance and endless suffering. It is a story of a youth, who inspite of knowing the inevitable end, endlessly strived to make his life worthy and that of the innumerable peoples’ lives around him, fruitful.

And this lad was a part of Bank of India family.

We both the producers and our great supporter Shri Swamikumar Banawalikar (alias KUMAR and ex-BOI, who

(LtoR) Shri Sachhidanand G Karkhanis (alias Sachcha) Producer, Director Shri Das Babu and Shri Santosh Y Mokashi (Producer)

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January-June 2016

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œ¸º£¬ˆÅ¸£ / AWARDS MSME Banking Excellence Award 2015 Bank adjudged Winner in CIMSME - Banking Excellence Award-2015 amongst Large Bank for “Best Bank under MUDRA Yojana” organised by Chamber of Indian Micro, Small and Medium Enterprises (CIMSME).

IBA Award 2015 - Best Financial Inclusion Initiative - Large Bank - Runners up

MD & CEO Shri Melwyn Rego along with GM Shri B K Mohanty, DGM Shri Amaresh Kumar and AGM Shri P Behera at HO.

GM, Financial Inclusion Shri S Palanivel and team receiving the Trophy for BOI from Chairperson, SBI Smt. Arundhati Bhattacharya in presence of the IBA officials.

Kalpetta Branch selected as the Best Branch in Kerala under PSBs for the year 2014-15 by State Forum of Bankers’ Club

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55¨¸Ê ¸¸£‰¸¿” £¸ ¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ¬¸Ä ¬¸¢Ÿ¸¢÷¸ ˆÅú ¤¸¾“ˆÅ Ÿ¸Ê ¢ ¸¥¸¸ ¬÷¸£ œ¸£ ¬¨¸¡¸¿ ¬¸í¸¡¸÷¸¸ ¬¸Ÿ¸»í¸Ê ˆ½Å ¢¥¸ˆ½Å ¸Ê ¸ Ÿ¸Ê „÷ˆ¼Å«’ ˆÅ¸¡¸Ä ˆÅ£›¸½ ˆ½Å ¢¥¸‡ £¸¿ ¸ú ‚¿ ¸¥¸ ˆ½Å ‚¸¿.œÏ. ªú ©¸¿ˆÅ£ œÏ¬¸¸™ ˆÅ¸½ ZM Shri V Anand receiving the award from RBI Regional Director Shri œ¸º£¬ˆÅ¸£ œÏ™¸›¸ ˆÅ£÷¸½ íº‡ Ÿ¸¸›¸›¸ú¡¸ Ÿ¸º‰¡¸Ÿ¸¿°¸ú, ¸¸£‰¸¿” ªú £‹¸º¨¸£ ™¸¬¸— ƒ¬¸ ‚¨¸¬¸£ œ¸£ Nirmal Chand at Ernakulam. ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½ ÷¸˜¸¸ ‚›¡¸ „ ¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

Best Innovative Stall Design Award to Bank Bank’s stall was awarded with at MCHI-CREDAI Property Exhibition 2015 held at MMRDA Grounds, BKC.

MSZ officials receiving the Award during the event

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Gramin Bank of Aryavart, Lucknow adjudged Best Bank in Rural Development Innovations & Outstanding Work for Kisan Clubs.

Gramin Bank of Aryavart, Lucknow won two out of 5 awards announced for all commercial, Regional Rural Banks and cooperative banks in state of Uttar Pradesh for 2015-16 by NABARD

NJGB awarded “Best Performing Bank (RRB) in Atal Pension Scheme Our Sponsored Regional Rural Bank (RRB) Narmada Jhabua Gramin Bank (NJGB) was awarded “Best Performing Bank (RRB) in APY Phase II” for their outstanding performance (302% achievement of target) in mobilizing Atal Pension Yojana (APY) Accounts. The award was given during National Level Conference on implementation of APY.

Chairman Shri J S Ravi Kumar receiving the awards from Hon’ble Cabinet Minister for Rural Development, UP Government Shri Arvind Kumar Singh Gope at BIRD.

Chairman, NJGB, Shri K V Raghavendra, GM, FI & RRB, BOI Shri S Palanivel, & Chief Manager, NJGB Shri P K Pandey, receiving the award at the hands of Additional Secretary, DFS, Govt. of India Smt. Snehalata Srivastava at New Delhi.

Narmada Jhabua Gramin Bank

NJGB conferred with FIPS Awards 2015

conferred with Special Award for Financial Inclusion.

NJGB has been conferred with a Special Award by NABARD, Bhopal for outstanding performance in the field of Financial Inclusion (FI). The lone Award in the Banking Category Award was presented by the Chief Secretary, Govt of MP in Bhopal in a State Credit Seminar. The programme was attended by the State Heads of Commercial Banks, Private Banks, Co-operative Banks, RRBs and Senior Government Officials.

Chief Secretary, Govt of MP Shri Anthoni D’sa presenting the award to Chairman, Narmada Jhabua Gramin Bank Shri KV Raghavendra in presence of Regional Director, Reserve Bank of India, Shri Ajay Michyari, Chief General Manager, NABARD Shri R N Kulkarni, and other officials of State Govt.

Narmada Jhabua Gramin Bank has been awarded by Elets Financial Inclusion & Payment Systems Awards 2015 at New Delhi for its Sakhi Samaveshan Project. NJGB launched an ambitious, innovative FI Project named as Sakhi Samaveshan Project during the year 2014-15 in collaboration with NABRARD and GIZ Germany. The objectives of the project is to harness the potential of ordinary SHG woman members functioning as BC by offering various banking services at the doorstep of the villagers particularly to vulnerable society, women and poor households. Woman BCs under the project are named as Bank Sakhies.

Chairman Shri K V Raghavendra receiving the award at the hands of IFS CEO eGovernance Authority Govt. of AP Shri Ratnakar Jauhari and CMD SIDBI Shri K Shivaji.

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January-June 2016

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January-June 2016

19

Ÿ¸í÷¨¸œ¸»µ¸Ä Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ /IMPORTANT ACTIVITIES Launch of Bank of India PMKYV Rupay Card

(LtoR) GM (GBD) Shri A K Sahu, GM NBG (N-1) Shri D K Garg, Hon’ble Union Minister of State Skill Development & Entrepreneurship, Shri Rajiv Pratap Rudy, ZM Shri Guldeep Bhatia, the then Union Minister of Communications & Information Technology Shri Ravi Shankar Prasad, Secretary Ministry SDE, Shri Rohit Nandan, & Secretary, Deptt. of Telecommunications Shri Rakesh Garg at New Delhi.

Bank of India provides 80 barricades to Ahmedabad Traffic Police In order to have a brand image of bank & to support Ahmedabad, Traffic Police so as to ease the flow of heavy traffic in Ahmedabad Bank of India has provided 80 Barricades to Ahmedabad Traffic. Bank has also agreed to collaborate with the police department to increase the traffic rules awareness amongst the young generation. Barricades were handed over to ACP (Traffic) Shri Andrew Macwan by the then GM NBG (C) Shri T Sudhakar & DGM Shri M M Kumar and his team. Bank is in the process of collaborate with Ahmedabad Traffic Police department so that people can pay the fine/penalty amount at the nearest BOI Branch and E-Gallery.

Karnataka Rajyotsava celebrated in Bengaluru Zone celebrated every year by Kannadigas in India and overseas. This was the day in 1956 when all the Kannada language-speaking regions of South India were merged to form the state of Karnataka. The Rajyotsava day is listed as a government holiday in the state of Karnataka and is celebrated by Kannadigas across the world. It is marked by the announcement and presentation of the honors list for Rajyotsava Awards by the Government of Karnataka, hoisting of the unofficial Karnataka flag with an address from the Chief Minister and Governor of the state along with community festivals, orchestra, Kannada book releases and concerts.

Karnataka Rajyotsava is celebrated on every first of November.

Kannada Rajyotsava, also called Karnataka Formation Day, is

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peveJejer-petve, 2016

In order to commemorate the occasion of Karnataka Rajyotsava 2015, our Zonal Office organized a Karnataka Rajyotsava cultural function which was attended by all the staff of Bengaluru Zone.

ž¸¸£÷¸ú¡¸ ¢£ ¸¨¸Ä ¤¸ÿˆÅ ˆÅú £¸ ¸ž¸¸«¸¸ ©¸ú¥” œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ Ÿ¸Ê `ˆÅ' ®¸½°¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¤¸ÿˆÅ ˆÅ¸½ `÷¸¼÷¸ú¡¸ œ¸º£¬ˆÅ¸£'

ž¸¸£÷¸ú¡¸ ¢£ ¸¨¸Ä ¤¸ÿˆÅ ˆÅú ¢×ž¸¸«¸ú Š¸¼íœ¸¢°¸ˆÅ¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ `÷¸¸£¸¿Š¸µ¸' ˆÅ¸½ `œÏ¸½÷¬¸¸í›¸ œ¸º£¬ˆÅ¸£'

ž¸¸£÷¸ú¡¸ ¢£ ¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Š¸¨¸Ä›¸£ ªú £‹¸º£¸Ÿ¸ £¸ ¸›¸ ¬¸½ £¸ ¸ž¸¸«¸¸ ©¸ú¥” ŠÏíµ¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ (Ÿ¸¸.¬¸¿.) ªú Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸, ¬¸.Ÿ¸.œÏ. (£¸ ¸ž¸¸«¸¸) ªú ©¸¾¥¸½©¸ Ÿ¸¸¥¸¨¸ú¡¸— ¬¸¸˜¸ Ÿ¸Ê, œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆÅú £¸ ¸ž¸¸«¸¸ ’úŸ¸ ˆ½Å ¬¸™¬¡¸Š¸µ¸ Ÿ¸º.œÏ. ¬¸ºªú Ÿ¸… Ÿ¸¾°¸¸ ‡¨¸¿ ªú ¸¿Í©¸½‰¸£ ÷¸˜¸¸ ¨¸¢£.œÏ. ªúŸ¸÷¸ú í¸ ¸£¸ ¬¸¾¡¸™—

Tea Board of India has selected our Bank as the Settlement Banker for Pan India Tea e-auction process

ž¸¸£÷¸ú¡¸ ¢£ ¸¨¸Ä ¤¸ÿˆÅ ˆ½Å Š¸¨¸Ä›¸£ ªú £‹¸º£¸Ÿ¸ £¸ ¸›¸ ¬¸½ ¢×ž¸¸«¸ú Š¸¼íœ¸¢°¸ˆÅ¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ©¸ú¥” ŠÏíµ¸ ˆÅ£÷¸½ íº‡ (Ÿ¸¸.¬¸¿.) ªú Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ — ¬¸¸˜¸ Ÿ¸Ê ¬¸.Ÿ¸.œÏ. (£¸ ¸ž¸¸«¸¸) ªú ©¸¾¥¸½©¸ Ÿ¸¸¥¸¨¸ú¡¸, Ÿ¸º.œÏ. ¬¸ºªú Ÿ¸… Ÿ¸¾°¸¸ ‡¨¸¿ ªú ¸¿Í©¸½‰¸£ ÷¸˜¸¸ ¨¸¢£.œÏ. ªúŸ¸÷¸ú í¸ ¸£¸ ¬¸¾¡¸™—

Signing of MOU with Saera Electric Auto Pvt Ltd. For a Swatch Bharat and a Pollution Free India our Bank signed MOU with Saera Electric Auto Pvt. Ltd., the first ecofriendly, battery operated electric auto Rickshaw Company in Mumbai.

Tea Board of India has selected our Bank as the Settlement Banker for Pan India Tea e-auction process.

BOI Kolkata SME Branch is the Nodal Branch for handling pay-out process of e-auction system. E-auction system was inaugurated by Smt. Rita Teaotia, Secretary, Ministry of Commerce and Industry, Govt. of India.

ZM Kolkata Zone, Smt. Binata Sengupta, DGM, NBG (East) Shri Lingaraj Bishoi and AGM, Kolkata SME Branch Shri Tapas Chandra Chakaraborti were present on the occasion.

GM SME Shri B K Mohanty, GM, Saera Electric Auto Pvt. Ltd. Shri M L Meheta, DGM (SME) Shri Amaresh Kumar, & AGM (SME) Shri P Behera.

Taarangan

January-June 2016

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FIRE SAFETY IN BANKING SECTOR F

ire or combustion is the process of burning. It is a chemical reaction initiated by presence of heat energy in which a substance combines with oxygen in the air and the process is accompanied by emission of energy in the form of heat, light and sound. The continuation of fire needs continuous supply of heat, fuel and oxygen in the building/offices. The type of fire and its severity, spread depends on the thermal behaviour of the combustible materials and the way it is burning. The quantity of fuel expressed in terms of fire load.

The fire load is calculated by the sum of calorific value of all combustible materials with the volume of all combustible materials with the volume of the building. In practice if the volume of building is high the fire load also will be high which gives a huge threatening value in terms of fire. Property and Data loss is the direct consumption of combustible materials by fire flame but

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also by heat, smoke, fumes and other toxic substances. If the body gets more then 30% of burning wounds the survival possibility will become very less. The smoke will affect the vision, making a person to lose his sense of direction, creating more discomfort, breathing will become difficult. It will close all exits and the escape routes. The possibilities of escape from the building will become very difficult.

As per data provided by National Crime Record Bureau, Ministry of Home Affairs Govt. of India, there were 23,593 fire incidents reported from all over India in last updated year 2013 and 22,177 person died due to these fire incidents. The death percentage was 5.5% of total un-natural cause of accidental death of India. The death cases were maximum reported due to other reasons (18630 fire incidents) and gas cylinder/stove bursts (3395 fire incidents) were 2nd main reason of death due to fire. 21 Male and 40 females die

peveJejer-petve, 2016

every day due to fire. Some of major fire incidents occurred in last ten(10) years in all over the country• 23rd December 1995 - 442 persons, mostly children died in a fire at the annual function of a school in Dabwali (Haryana). The Pandal caught fire due to short circuit.

• 03rd June 1997 - 59 people died and 103 seriously injured at Uphar Cinema New Delhi.

• 26th June 2002 - 42 people killed in Lee international footwear factory at Agra.

• 16th July 2004 - 91 School children were killed in a fire accident at Kumbakonam in Tamilnadu.

• 10th April 2006 - 64 Killed and 80 injured after a fire engulfed the tent at a crowded consumer trade fair in Meerut • 09th December 2011 - At least 73 dead in fire at AMRI Hospital in Kolkata

KNOWLEDGE PLUS

• 30th July 2012 - 32 killed in fire in Tamil Nadu Express Train bound for Chennai • Feb 2013 - Major fire in multi storied complex in Kolkata and at least 19 people died • June 2014 - Fire explosion in gas pipeline in Andhra Pradesh and at least 14 people died and 20 injured • May 2015 - Major Fire incident in residential Building Kalbadevi Mumbai and 04 Fire Officer died including Chief Fire Officer Mumbai All Fire incidents have occurred in various parts of India. And, all incidents have caused major losses. While going through the details of these incidents, it is observed that the lives were lost majority due to negligence.

In our Banking and financial sector perspective, Banks are considered as “Moderate Hazard Occupancies” and come under E-1 category as per the National Building Code 2005. We can divide our Bank buildings in two category one as a High Rise Buildings like Head Office, Zonal offices, Training Center etc. which are having more fire risk due to high fire load, human occupancies and more no. of electricals and mechanical setup in the building. Another category is branches and offices where electrical setup and fire load/risk is low compared to high rise building. The other category may also be considered, one highly sophisticated electronic setup and data processing equipment like Data Center and Treasury Branch. If these equipments are damaged or destroyed, a vital operation may be paralyzed.

The problem is compounded because there may be no replacement system available at all. For all these reasons, the fire protection system of Data Center, Treasury Branch and Data Processing system are also very important for our Banking and Financial Sector.

Fire is classified in four categories on the basis of fuel materials-

1. Class ‘A’ Fire: Fire is easily combustible solid materials of organic nature such as wood, paper, cloth, grass and 1400 product thereof. 1200 In such cases fire 1000 is extinguished 800 by reducing the 600 temperature of burning materials 400 by water spraying and residue is 200 always a carboneous material.

0 2. Class ‘B’ Fire: Fire in volatile and inflammable liquids which provide a homogenous media of fire expansion in materials like all petroleum products (i.e. Petrol, Kerosene, Alcohol), Chemicals, Paints, Solvents, Transformer oils, grease etc. In such cases Fire is extinguishing by absorbing oxygen by creating smothering atmosphere.

3. Class ‘C’ Fire: The fire involving flammable gases under pressure including liquefied gases, where it is necessary to inhibit the gas at fast rate with an inert gas powder or vaporizing liquid for extinguishment.

4. Class ‘D’ Fire: The Fire is involving evolution of heat by chemical reaction is combustible metal such as Magnesium, Aluminum, Zinc Sodium etc. Special media and technique are required for controlling the fire.

In any normal Fire, there are mainly four stages of fire from beginning to last stage.

• Incipient Stage • Smoldering Stage • Flame Stage • Heat Stage

Taarangan

The phase of fire can be shown in a temperature V/s time Graph, which is shown below: Fire Temperature

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0:05

0:10

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Fire Temperature

The temperature/heat V/s time graph is totally dependent upon Fire Load/ Combustible material and supply of oxygen to the fire. Fire Safety of any building/offices in wider perspective is deemed to cover following aspects: • Passive Fire Prevention/Protection means • Active Fire Prevention/Protection means Passive Fire Prevention/Protection means are those which are taken care off during designing of a building structure.

They directly affect the architecture and construction value of a building.

Such means envisage the methods of assembling the components of the building in such a way as to achieve a structure in which spread of fire resistive doors, means of exit, no. of exits, provision of fire dampers, fire resistive materials are used in construction of building/offices are the part of passive fire prevention.

Active Fire Prevention/Protection means can be in general divided in following headsa) Manual/Automatic Fire Detection & alarm system b) Portable/Fixed type Fire Extinguishers c) Fire Hydrant & Sprinkler System with First Aid Hose Reels system d) Fixed Automatic Fire Flooding System like Clean agent, CO2 flooding system

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e) Mobile Fire Fighting System and Fire Brigade f ) Fire Salvage Cops In General, the Fire load and their risk is moderate in any branches or small offices therefore we adopt only first three phases of safety measures (which was mentioned earlier) and provide Manual/ Automatic fire Detection & Alarm System and portable fire extinguishers to branches. The main fire risk/prone areas in branches are as under• UPS and batteries room- Hydrogen (H2) gas is released during charging/ discharging phase of battery operation in UPS and battery room. In absence of proper ventilation the Hydrogen gas (explosive gas) slowly accumulates in UPS/Battery Room. The stored combustible materials and hydrogen gas increase a fire risk and if, it gets any source of ignition from electric junction/point or other source then it results in fire. The electric supply of these equipments on basis of 24x7 which also creates major fire risk to branches. In past lot of fire incidents are reported through UPS/battery room from branches and offices.

• The Minimum electrical points with proper insulation/cover, proper ventilation/air circulation, avoiding for dumping unwanted combustible materials in UPS/battery room should be adopted for avoiding any fire mishap. Branches/Offices should also ensure that Battery terminals are rust free and no chemical leakage in UPS/battery room. UPS/Battery room should be separated from office area and wooden partition between branch and UPS/battery room should be avoided. Fire Sensors (Heat Detectors) and portable & fixed type (automatic modular) fire extinguishers are provided in these locations.

• Electrical Panels/JointsMany Fire incidents are initiated through main electrical panels/joints due to improper rating of electrical wiring & equipment, high voltage fluctuation, 24

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improper distribution of electric power to branch/office and overloading of electrical panel.

• Appropriate rating of electrical wire and electrical safety device (e.g. MCB, ELCB etc. to be used in branches/ offices. No dangling/loose electrical wire or any wire with damaged jacket/ insulation in electrical panel, multi pinplug, Extension code to be avoided.

The electric audit of branches/offices should be done once in five (05) years and corrective measures should be taken accordingly. The electrical fire can be prevented by taking these safety measures.

• Store Room/Godown- Store room/ Godown are filled with combustible materials like paper, files, old furniture, old computer etc. and it increases fire load and fire risk of the branch. The following safety precautions should be taken for these areas- A. Records stacked in properly and keep at least 03 ft distance from electrical switch/ Junction box. B. Old/unserviceable materials should be disposed off regularly. C. No Generator, Diesel, Generator, Cooking/Heating to be permitted inside the store room/ Godown.

• Diesel Generator- Some of the branches are using Diesel Generator set for power backup due to poor electric supply and many fire incidents have occurred through DG set. The preventive maintenance should be taken and ensure that no exhaust spark are meeting with combustible material.

Branches to ensure that all electrical equipments/switches are switched off before closing/leaving of branches except UPS system and specially plastic wall fan because lot of fire incidents have taken place due to these fans. The phone nos. of fire brigade, Police and other emergency nos. should be updated and prominently displayed in branches.

The Fire Detection cum alarm system and fire extinguishers are provided in all

peveJejer-petve, 2016

branches. Branches should ensure that fire alarm system is working properly. It should be checked at least once in every month and phone number of auto dialer should be updated on regular basis.

Our bank is also having many high rise building and their fire load and risk is much higher side. The main fire risk areas area) Higher number of human occupancy b) Higher capacity of electrical setup like HT panel, LT panel, UPS System, Servers etc. c) Godowns d) Improper management of Basement Due to increase high fire risk of building, we adopt additional fire safety measures like fire hydrant and sprinkler system, fire suppression system, Public address system etc. in such type of buildings.

Fireman/control room operator/security guards are provided for monitoring/ maintenance of such equipments and they are also capable to handle any emergency in building on 24X7 basis.

In case of fire in any high rise building, the response time of safe evacuation of occupant from building is between 05 to 10 minutes which depends upon fire load and construction of building. We try to evacuate all occupants/persons within the response time of the building and that’s why the evacuation drill is mandatory once in every six month for all high rise buildings. Evacuation drill should be taken seriously by staffs/ person because nobody knows where and when the actual fire will start?

The Fire Safety of our bank will not be complete without you. Therefore it is expected that all staff pay proper attention to fire safety guidelines and follow them meticulously.

Birendra Kumar

Sr. Manager (Fire) Head Office

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BOI STAR HOME LOAN EXPO & FESTIVAL OF HOME LOAN AND LAP CAMPAIGNS CONDUCTED DURING FEB 2016 To provide a fillip for financing under Home Loan “BOI Star Home Loan Expo” & Festival of Home Loan and LAP campaigns involving prominent builders in bank’s approved list was conducted by various zones during February 2016. The Zones organized various event and expo involving branches with full enthusiasm and were successful in garnering more business for the bank.

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CAMPAIGN - HIGHLIGHTS

Kolhapur Zone

Chennai Zone

Nagpur Zone

Ranchi Zone

Patna Zone

RNT Marg, Indore

Raipur Zone

Ujjain Zone

Rajkot Zone

Varanasi Zone

Gandhinagar Zone

Taarangan

January-June 2016

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Taarangan

January-June 2016

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8. Siliguri Zone 9. Chandigarh Zone 10. Jamshedpur Zone 11. Raigad Zone.

International Women’s Day is celebrated all over the world with full enthusiasm. The celebration of this Day at Nasik cluster is different and pursuable.

Every year all the women employees of Nasik cluster meet and celebrate this day with unique themes and ideas. Our staff Mrs. Ujjwala Kiran Petkar has been the pioneer of this activity since its inception in 2007. Every year Mrs. Petkar thinks of new idea and share it with women members of Nasik cluster.

Once the idea is accepted by all, it becomes the theme of that year.

In 2007, it was devoted to Women & Yoga. Staff of Yog Vidya Dham of Nasik were invited and interesting information and lectures were delivered.

Likewise every year they thought of a new idea and theme. Some of the themes were as under: 2008 : The Role of Women in Houses • 2009 : Day to Day activities of women with spiritual sense.

• 2010 : Time Management for the working lady • 2011 : Special Honor to the people and organization for their outstanding contributions • 2012 : Honor to mothers “Who has adopted female child” • 2013 : On the eve of Women’s Bill passed in Lok Sabha, honor was given to lady Corporates and BOI Lady Customers. • 2014 : Honored Mrs. Madhavi Bhor, Director of ‘Prabodhini Trust’ working for mentally challenged. • 2015 : Honored maids of women employees of the bank. They shared their experiences and grievances. • 2016 : Honored Jivhala Institute devoted for Nursing.

The event has got special importance in Nasik.

The day is celebrated with full charm and spirit. All women employees take active part in the celebration. The main credit goes to Mrs. Ujjwala Kiran Petkar who has been leading the event from last 10 Years.

BOI PARIVAR wishes them success in their future endeavor.

Taarangan

January-June 2016

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A Unique initiative by Staff Training College, Chennai on International Women’s Day: Staff Training College, Chennai organized a Oneday Motivational Programme for Lady Staff Members of Chennai centre on 8th March’16 to commemorate International Women’s day. The objective of the programme was to provide the participants necessary inputs and motivating them to make them better, more efficient and effective entities at home as well as at the workplace. The programme Coordinator Ms. Hemamalini designed the programme very meticulously and included very pertinent topics like “Health & Wellness”, “WorkLife Balance”,“Issues at Workplace”, “Gender parity & Breaking Glass Ceiling”. Sessions were quite interactive and participative. Some eminent resource persons on the special subjects also provided the inputs in very interesting ways.

Zonal Manager Chennai was present in the valediction session and addressed the participants exhorting them to perform their roles efficiently and effectively both in Work as well as in Life.

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Letter of Gratitude on Women’s Day

W

hen I was in school, I had this English teacher of mine who didn’t like the concept of celebrating Women’s Day. As a part of this day, where every woman, man & corporate organization seems to organize an event to celebrate & applaud women’s success. She used to feel that women don’t need a specific day or date to celebrate their power and strength.

But then the story apart, I have a different perspective which I would like to share with you.

I firmly agree that although there is no requirement of such a particular day do feel special but then besides ourselves, we definitely have and need someone to feel special for.

And so today I want to celebrate this day by expressing my gratitude to “these special ones” who have filled up our lives with different colors, making it more meaningful & without whose coordination and support, we would mean nothing.

I thank you : As fathers for partially but essentially being the reason of our existence, for sometimes curbing our liberties but end up pampering us.

As brothers for fighting everyday on petty issues but

protecting and guarding us whenever required.

As friends for fearlessly disclosing our true selves to you by pouring out all our secrets, feelings and emotions and sharing them with you.

As husbands for dominating us sometimes but then for understanding us and loving us unconditionally.

As teachers for enlightening us through imparting in high set of morals and values.

As sons for being notorious & bothering us many a time but then being extremely caring.

As Bosses & colleagues for patiently handling our mistakes and rectifying them, for empowering us and help us acquiring skills to stand out with our own identities in the society.

Sharing these lines has just been a step forward to let you know that competition is not we are looking for, comparison is not we are interested in. We just want your acceptance and recognition so that we can complement each other and make this world a beautiful and a better place to live in.

- Shilpi Bhardwaj Jaipur Zone

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peveJejer-petve, 2016

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í („-1) / NATIONAL BANKING GROUP (NORTH-1)

¸¸½š¸œ¸º£ ‚¿ ¸¥¸ ˆ½Å ›¸‡ ˆÅ¸¡¸¸Ä¥¸¡¸ œ¸¢£¬¸£ ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú („-1) ªú ¢™›¸½©¸ ˆºÅŸ¸¸£ Š¸Š¸Ä— ¬¸¸˜¸ Ÿ¸Ê, ‚¸¿.œÏ. ªú š¸Ÿ¸Ä¨¸ú£ ¢¬¸¿í ©¸½‰¸¸¨¸÷¸, ªúŸ¸÷¸ú œ¸º«œ¸¸ ©¸½‰¸¸¨¸÷¸ ‡¨¸¿ ‚¸¿.œÏ. ¡¸»ˆÅ¸½ ¤¸ÿˆÅ ªú ¸½ ¬¸ú ¢Žœ¸¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸—

¥¸º¢š¸¡¸¸›¸¸ ‚¿ ¸¥¸ ˆÅú í¸˜¸º£ ©¸¸‰¸¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ‡›¸‚¸£‚¸ƒÄ ¤¸¾“ˆÅ ˆÅ¸ ©¸ºž¸¸£¿ž¸ ˆÅ£÷¸½ íº‡ ¬¸.Ÿ¸.œÏ. ªú ‚¨¸÷¸¸£ ¢¬¸¿í, Ÿ¸º.œÏ. ªú ‡¬¸ ¬¸ú ‚¸½ ¸¸— ¤¸¾“ˆÅ Ÿ¸Ê ¡¸»‡¬¸‡, ¡¸»ˆ½Å, ˆÅ›¸¸”¸, üŸ¿¬¸, ƒ’¥¸ú ‡¨¸¿ ¡¸»‡ƒÄ ˆ½Å ‡›¸‚¸£‚¸ƒÄ ›¸½ ž¸¸Š¸ ¢¥¸¡¸¸—

¥¸º¢š¸¡¸¸›¸¸ ‚¿ ¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¢Çň½Å’ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ Ÿ¸Ê ‚¸¿.œÏ. ªú ¨¸ú ©¸ºÆ¥¸¸ ‡¨¸¿ ’úŸ¸ ˆ½Å ¬¸™¬¡¸Š¸µ¸—

¥¸º¢š¸¡¸¸›¸¸ ‚¿ ¸¥¸ Ÿ¸Ê œ¸š¸¸£½ ¤¸ú‚¸½‚¸ƒÄ‚¸½‡ ˆ½Å Ÿ¸í¸¬¸¢ ¸¨¸ ‡¨¸¿ ¢›¸™½©¸ˆÅ Ÿ¸¿”¥¸ ¬¸™¬¡¸ ªú í£¢¨¸¿™£ ¢¬¸¿í ˆ½Å ¬¸¸˜¸ ‚¸¿.œÏ. ªú ¨¸ú ©¸ºÆ¥¸¸, „œ¸ ‚¸¿.œÏ. ªú ‚減¸ú ˆºÅŸ¸¸£ ‡¨¸¿ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸—

¥¸º¢š¸¡¸¸›¸¸ ‚¿ ¸¥¸ Ÿ¸Ê œ¸š¸¸£½ Ÿ¸.œÏ. (œÏ.ˆÅ¸.) ªú ‚¸£ ˆ½Å ©¸Ÿ¸¸Ä ˆ½Å ¬¸¸˜¸ ‚¸¿.œÏ. ªú ¨¸ú ©¸ºÆ¥¸¸, „œ¸ ‚¸¿.œÏ. ªú ‚減¸ú ˆºÅŸ¸¸£ ‡¨¸¿ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸—

¸¡¸œ¸º£ ‚¿ ¸¥¸ ˆÅú ¢›¸Ÿ¸¸Äµ¸ ›¸Š¸£ ©¸¸‰¸¸ ׸£¸ ‚¸¡¸¸½¢ ¸÷¸ ¬¨¸¾¦ ŽˆÅ £Æ÷¸™¸›¸ ¢©¸¢¨¸£ ˆ½Å ‚¨¸¬¸£ œ¸£ ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú ¬¸ºš¸¸ˆÅ£ ˆ¾ÅŸ¸¥¸, „œ¸ ‚¸¿.œÏ. ªú ¢¨¸Ÿ¸¥¸ ›¸¸£¸¡¸µ¸ Ÿ¸¸˜¸º£ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

¥¸‰¸›¸… ‚¿ ¸¥¸ ˆ½Å ¬¸¸¾ ¸›¡¸ ¬¸½ ¤¸¸£¸¤¸¿ˆÅú ¢ ¸¥¸½ ˆ½Å ` ¸¾›¸ ›¸¢¬¸ôŠ¸ í¸½Ÿ¸' Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ `¢›¸À©¸º¥ˆÅ ¬¨¸¸¬˜¡¸ œ¸£ú®¸µ¸ ¢©¸¢¨¸£' ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ íº‡ „œ¸ ‚¸¿.œÏ. ªú ‡¬¸ ˆ½Å œ¸¿¢”÷¸¸ ‡¨¸¿ Š¸¢“¡¸¸ £¸½Š¸ ¢¨¸©¸½«¸±¸, ”¸Á. œ¸» ¸¸ š¸¨¸›¸— ªú œ¸¿¢”÷¸¸ ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ ¬˜¸¸›¸ú¡¸ ›¸¢¬¸ôŠ¸ í¸½Ÿ¸ ˆ½Å œÏ¢÷¸¢›¸¢š¸—

¥¸‰¸›¸… ‚¿ ¸¥¸ ˆÅú ¤¸Æ©¸ú ˆÅ¸ ÷¸¸¥¸¸¤¸ ©¸¸‰¸¸ Ÿ¸Ê ŠÏ¸íˆÅ ¬¸½¨¸¸ ¤¸¾“ˆÅ Ÿ¸½¿ ¬¸ŸŸ¸¸¢›¸÷¸ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¢ ¸œÏ, ¥¸‰¸›¸… ªú ‡ ˆ½Å ©¸Ÿ¸¸Ä— Ÿ¸¿ ¸¸¬¸ú›¸ ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú £¸ ¸ Ÿ¸í¸¦›÷¸, ‡¨¸¿ ©¸¸.œÏ. ªú ‚¸£ ˆ½Å ™ú¢®¸÷¸ ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸ ‡¨¸¿ ¬’¸ûÅ ¬¸™¬¡¸—

Taarangan

January-June 2016

35

Draupadi Ka Cheeeer !!! Case study Mr. Mohan Lal was maintaining a sole Proprietorship Current Account with the Chandigarh branch of ‘XXX’ Bank Ltd. in the name & style of M/s Sharma Trading Co. since 01-04-2012. The business in the account opening form was described as transport agents with a turnover of 3-4 lacs p.a. was indicated since it was a new business.

Mr. Sharma started approaching the branch on and off for small Over Drafts and purchase of DDs for values between under ` 15000.00. Instruments would be drawn on PSBs/ Private Sector banks on their Service branch/es in and around Chandigarh. They used to be collected and paid in normal course of business.

Some times he even got cheques drawn on upcountry branches of known banks purchased. Some instruments at times got returned unpaid also and Mr. Sharma used to provide funds on request.

On 24.09.2012 Mr. Mohan Lal approached the Chief Manager of the Bank, with a DD for `8756.00 drawn in favour of M/s Sharma Trading Co. on Indian Bank Chandigah.The paying-inSlip was duly filled in for the credit of his Account. Mr. Mohan Lal requested the 36

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The fraud came to light when the branch called the customer’s known telephone numbers and for next two days there was no response. The officer in Advances department then came down and informed the CM.

Chief Manager for purchase of the above DD, as he needed the money for making the payment of some transportation charges to a truck driver, waiting outside and salary advance to one of his employees.

In view of the trouble free relationship of almost five months and the instrument being a DD of a public sector bank, the Chief Manager acceded to the request of the Customer and accorded the approval for the purchase of the instrument on the paying-in-Slip itself, by writing “Pl. Purchase’’ and initialed / authorized the purchase, in normal course of business.

The office of the CM was on the ground floor; while the Advances Department was on first floor. The paying-in-Slip for

peveJejer-petve, 2016

`8756.00 along with the DD was given to Mr. Sharma to be handed over to the advances department, for passing of necessary vouchers, for ultimate credit of the account.

The paying-in-Slip received in the advances department for passing the necessary vouchers, read `98756.00 in words & figures. The paying-in-Slip had now a cheque drawn on the Dhaba Central Urban Bank Ltd. G.T. Road Jullunder Punjab for `98756.00. There was another paying-in-Slip with the draft of `8756.00 submitted for collection thru clearing. Both the instruments were accepted, one for purchase of a cheque for `98756.00 and other for `8756.00 for collection thru local clearing.

AWARENESS Since the approval for the purchase of the instrument by the CM was already available on the paying-in-Slip, the outstation cheque for `98756.00 was purchased and the net amount after deducting necessary charges was credited to the current account of the party, which was immediately withdrawn by the Customer. On 05/10/2012 the cheque was returned unpaid with reason Refer to Drawer and Mr. Sharma was informed to provide funds in the account and collect the cheque from Advances Department.

CM was not informed about the return.

On 06/10/2012 Mr. Sharma again approached the Chief Manager for the similar request along with a DD for `4786.00 duly filled in, in the payingin-Slip. The CM accorded approval for the purchase of the instrument on the paying-in-Slip but when the paying-in -Slip and the instrument reached the advances department on the first floor, the amount on paying-in-Slip was altered to `204,786.00 by prefixing the number “20” before the amount in figures and the amount in words was also accordingly modified, with the words “two lac” before the amount in words. The Instrument was also swapped with an upcountry cheque of `204786.00 drawn on ICICI Bank ltd. Hissar As a result of this now the cheque for `204786.00 was purchased and proceeds were credited to the account after deducting the necessary charges. After purchase of this cheque for `204786.00 the returned cheque for `98756.00 purchased earlier was recovered by the bank /got adjusted by the customer. This cheque was again received back by the branch with reason Refer to Drawer on 11/10/2012. The officer in Advances department did not inform the CM. On 12/10/2012 the customer again approached the CM with another request for purchase of a DD for `6660.00.

After the necessary approval from CM, when instrument reached the advances department, the paying-in -Slip had been

altered from 6660.00 to 506660.00 and DD was replaced with an outstation instrument for `506660.00. Cheque this time was drawn on Asham Urban Bank Ltd, Chakrashila, Distt Dhubri, Assam, apparently issued by Forest Department of the state government. The same was purchased and credited into the account of the party. The returned cheque of `204786.00 was also recovered. This cheque too was returned unpaid with the reason “ No such Account”.

The fraud came to light when the branch called the customer’s known telephone numbers and for next two days there was no response. The officer in Advances department then came down and informed the CM. The CM also tried to call but got no response. A clerk was sent to the address who called back that there is no such person / firm on the given address. The address is that of an orphanage.

CM till then was not aware about the past purchases and returns in the account. The entire matter was looked into and it could be seen that the branch has been defrauded and is looking at a possible loss of the amount of cheque purchased last, i.e. `506660.00. The account showed a credit balance of

`2109.00 with a cheque purchase return to be adjusted/ recovered.

Task for the budding managers 1. List out the weaknesses observed by each one of you as per your understanding of the nature of business done. Do you think this could have been avoided ??

2. As Risk Managers prepare a list of recommendations under Do’s and Don’ts for safe Cheque purchase business in your bank.

FOR WORKING OFFICERS MANAGERS IN BANKS

/

Compare the recommendations with the extant guidelines on Precautions on Bill/ Cheque Purchase as also under KYC/ AML. Are they substantially different, bring out the differences between the two?

Learning from the Case Study ????

R C Bhatnagar DGM (Retd.)

New Delhi

Congratulations Shri R C Bhatnagar, Ex-DGM of our Bank was conferred with Gold Certificate by AXIS Bank for his valuable contribution as a faculty member in coaching young bankers at Amity Global Business School, Noida.

ED Axis Bank Shri Rajesh Dahiya awarding Shri R C Bhatnagar.

Shri Bhatnagar took up teaching MBA Students after his superannuation. He has also started 2 awards in the noble memory of his parents, each carrying a citation and a cash award of `2000/-.

Shri Bhatnagar owes his success to Bank of India.

Shri R C Bhatnagar with the meritorious cash awardee students.

Taarangan

BOI PARIVAR congratulates Shri Bhatnagar on his achievement

January-June 2016

37

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸»¨¸Ä) / NATIONAL BANKING GROUP (EAST)

ˆÅ¸½¥¸ˆÅ¸÷¸¸ ‚¿ ¸¥¸ ˆ½Å ›¸‡ ž¸¨¸›¸ ˆ½Å ¢›¸Ÿ¸¸Äµ¸ í½÷¸º ž¸»¢Ÿ¸œ¸» ¸›¸ ˆ½Å ‚¨¸¬¸£ œ¸£ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸»¨¸Ä) ªú ‡¬¸ ˆ½Å ‚ŠÏ¨¸¸¥¸, ‚¸¿.œÏ. ªúŸ¸÷¸ú ¢¤¸›¸¸÷¸¸ ¬¸½›¸Š¸ºœ÷¸¸, ‚¸¿.œÏ., ‚ퟸ™¸¤¸¸™ ‚¿ ¸¥¸ ªú œ¸ú œ¸¸¿”¸, ‚¸¿.œÏ. í¸¨¸”õ¸ ‚¿ ¸¥¸ ªú ‚³Å›¸ž¸¸ ¸¿Í¸ ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

Kolkata Zone, Vivekananda Road Branch organized Candle Light Prayer for Vivekananda Road Flyover Crash Victims.

GM NBG (East) Shri Suriender K Aggarwal, ZM, Smt. Binata Sengupta, DGM NBG (East) Shri P Panda, CM Shri P Jena and staff members.

¤¸š¸ÄŸ¸¸›¸ ‚¿ ¸¥¸ œ¸š¸¸£›¸½ œ¸£ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸»¨¸Ä) ªú ‡¬¸ ˆ½Å ‚ŠÏ¨¸¸¥¸ ˆ½Å ¬¸¸˜¸ ‚¸¿.œÏ. ªú ¬¸¢¥¸¥¸ œÏ¬¸¸™ ¤¸¾›¸ ¸úÄ ÷¸˜¸¸ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸—

GM NBG (E) Shri S K Aggarwal distributing `Cloth and Ration' to old age shelter house `Apna Ghar' along with ZM Shri S S Das, DZM Shri M K Mishra at Siliguri Zone.

ˆÊÅ™º ¸£ ‚¿ ¸¥¸ ׸£¸ ¬¸ú‡¬¸‚¸£ Š¸¢÷¸¢¨¸¢š¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ `Ÿ¸¸¿ ÷¸¸¢£µ¸ú “¸ˆºÅ£¸›¸ú Ÿ¸¿¢™£ ’﬒' ˆÅ¸½ ’¸’¸ 407 ¬¸í¸¡¸÷¸¸˜¸Ä œÏ™¸›¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú £¸ ¸¢ˆÅ©¸¸½£ ¥¸ÊˆÅ¸, „œ¸ ‚¸¿.œÏ. ªú ¢°¸¥¸¸½ ¸›¸ ¤¸½í½£¸— ¬¸¸˜¸ Ÿ¸Ê, ¤¸ú”ú‚¸½ ªú ¢¨¸«µ¸º œÏ¬¸¸™ ‚¸ ¸¸¡¸Ä, Æ¥¸½Æ’£ ‡¨¸¿ ¢ ¸¥¸¸ Ÿ¸¢ ¸¬’ï½’-‚¸ƒÄ‡‡¬¸ ªú ‡›¸ ˜¸ú³ Ÿ¸¸¥¸¸ ›¸¸ƒÄˆÅ—

ž¸º¨¸›¸½æ¸£ ‚¿ ¸¥¸ ׸£¸ ¬¸ú‡¬¸‚¸£ Š¸¢÷¸¢¨¸¢š¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ "›¸ú¥¸¸ ¸¥¸ ¬¸½¨¸¸ œÏ¢÷¸«“¸›¸" ˆÅ¸½ œÏ™î¸ ‡¿¤¸º¥¸Ê¬¸ ˆÅú ¸¸¤¸ú œÏ¢÷¸«“¸›¸ œÏŸ¸º‰¸ ˆÅ¸½ ¬¸¸ÿœ¸÷¸½ íº‡ ‚¸¿.œÏ. ªú ™ºŠ¸¸Ä œÏ¬¸¸™ ¢Ÿ¸ª— ¬¸¸˜¸ Ÿ¸½, „œ¸ ‚¸¿.œÏ. ªú ¤¸¥¸ž¸Í œÏ¬¸¸™ Ÿ¸í¸›÷¸ú ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

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™»£™©¸Ä›¸- ¸¥¸œ¸¸ƒÄŠ¸º”õú ׸£¸ ‚¸¡¸¸½¢ ¸÷¸ ` ¸›¸-š¸›¸ ¡¸¸½ ¸›¸¸' ¢¨¸«¸¡¸ œ¸£ ¸ ¸¸Ä Ÿ¸Ê ¢¨¸©¸½«¸ ³Åœ¸ ¬¸½ ‚¸Ÿ¸¿¢°¸÷¸ ¢¬¸¢¥¸Š¸º”õú ‚¿ ¸¥¸ ˆ½Å ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸— ¬¸¸˜¸ Ÿ¸Ê ÷¸ú›¸¤¸î¸ú ©¸¸‰¸¸ ˆ½Å ¨¸.œÏ. ªú ¢™¨¸¸ˆÅ£ ¬¸¸í—

¢¬¸¢¥¸Š¸º”õú ‚¿ ¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ œÏ¤¸¿š¸ˆÅ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê œÏ¤¸¿š¸ˆÅ¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ‡¬¸ ‡¬¸ ™¸¬¸— ¬¸¸˜¸ Ÿ¸Ê Ÿ¸.œÏ. ªú ‡¬¸ ˆ½Å ‚ŠÏ¨¸¸¥¸, ‡›¸¤¸ú ¸ú (œ¸»¨¸Ä) ‡¨¸¿ „œ¸ ‚¸¿.œÏ. ªú ‡Ÿ¸ ˆ½Å ¢Ÿ¸ª¸—

¬¸ŸŸ¸¸›¸ Shri Rajamata Jijau Swavlamban Puraskar 2016 Shri Ramesh Patole (Branch Manager) of Mhasala Branch, Raigad has been awarded as BEST BANK MANAGER

by Maharastra Government’s Rural Development Minister Ms. Pankaja Munde.

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

(LtoR) Br. Manager Shri Ramesh Patole along with Shri Naim Kadri (Social Worker) and other staff members of the branch.

ˆÅ¸½ ¸úÄ ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ `÷¸¸¥¸ºˆÅ¸ Š¸¸¾£¨¸ œ¸º£¬ˆÅ¸£' ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸

Siliguri Zone ZM Shri S S Das and DZM Shri M K Mishra during the meet organised for DROs at Siliguri Zone.

ˆÅ¸½ ¸úÄ-Š¸”¢ ¸£¸½¥¸ú ¢ ¸¥¸¸ ¬¸¤¸¬¸½ ¢œ¸Ž”õ¸ ÷¸¸¥¸ºˆÅ¸ í¾— ›¸¸Š¸œ¸º£ ‚¿ ¸¥¸ ˆ½Å ˆÅ¸½ ¸úÄ ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ ªú Ÿ¸º ¸»£ íº¬¸½›¸ ˆÅ¸½ ÷¸¸¥¸ºˆÅ¸ Š¸¸¾£¨¸ œ¸º£¬ˆÅ¸£ ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸—

ž¸¸½œ¸¸¥¸ ‚¿ ¸¥¸ ˆ½Å ªú ©¸¾¥¸¾¿Í ˆÅ“¥¸ ¬¸ŸŸ¸¸¢›¸÷¸

Siliguri Zone ZM Shri S S Das and DZM Shri M K Mishra during a motivational programme with Managers, officers & all award staff members of Siliguri Zone held at Berhampore, Murshidabad.

ž¸¸½œ¸¸¥¸ ‚¿ ¸¥¸ ˆÅú ퟸú¢™¡¸¸ £¸½” ©¸¸‰¸¸ ˆ½Å ‚¢š¸ˆÅ¸£ú ªú ©¸¾¥¸½›Í ˆÅ“¥¸ ˆÅ¸½ Ÿ¸š¡¸œÏ™½©¸ ©¸¸¬¸›¸ ˆÅú ¬¨¸£¸½ ¸Š¸¸£ ¡¸¸½ ¸›¸¸‚¸Ê ˆÅú ¥¸®¡¸ œ¸»¢÷¸Ä Ÿ¸Ê ¬¸£¸í›¸ú¡¸ ¡¸¸½Š¸™¸›¸ ˆ½Å ¢¥¸¡¸½ ¨¸«¸Ä 2015-16 í½÷¸º Ÿ¸š¡¸œÏ™½©¸ ©¸¸¬¸›¸ ˆ½Å œ¸¿ ¸¸¡¸÷¸ ‡¨¸¿ ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ Ÿ¸¿°¸ú ªú Š¸¸½œ¸¸¥¸ ž¸¸Š¸Ä¨¸ ׸£¸ ž¸¸½œ¸¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¢ ¸¥¸¸ ¬¨¸£¸½ ¸Š¸¸£ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê œÏ©¸¦¬÷¸-œ¸°¸ ‡¨¸¿ ¬Ÿ¸¼¢÷¸-¢ ¸›í ™½ˆÅ£ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ªú ©¸¾¥¸½›Í ˆÅ“¥¸ ›¸½ ©¸¸¬¸ˆÅú¡¸ ¡¸¸½ ¸›¸¸‚¸Ê ˆ½Å †µ¸ ¢¨¸÷¸£µ¸ ¥¸®¡¸ œÏ¸¦œ÷¸ í½÷¸º ¬¸£¸í›¸ú¡¸ œÏ¡¸¸¬¸ ˆÅ£÷¸½ íº‡ ¤¸ÿˆÅ ˆÅ¸ ›¸¸Ÿ¸ £¸½©¸›¸ ¢ˆÅ¡¸¸ í¾, ƒ¬¸ í½÷¸º ¨¸½ ¤¸š¸¸ƒÄ ˆ½Å œ¸¸°¸ íÿ—

Taarangan

January-June 2016

39

Š¸µ¸÷¸¿°¸ ¢™¨¸¬¸ 2016

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Taarangan

January-June 2016

41

TRIBUTE

B

harat Ratna Dr. Bhimrao Ramji Ambedkar may not have been a hero of the war of Indian independence, but he is the hero who built an independent India. 125th birthday anniversary is being celebrated to commemorate his memories. After decades of neglect, one of the finest minds and statesmen of India, B.R. Ambedkar, is now invoked by almost everybody on the public scene. It is no wonder that everyone called him ‘Babasaheb’, out of love and admiration. He was the lion-hearted man who fought for equality, justice and humanity.

He was no doubt a great man who single handedly gave millions the hope to live and prosper in a society that deprived them of even the most basic needs. Baba Saheb greatly contributed to the nation as a jurist, philosopher, politician, anthropologist, economist and historian. His statue, with its ubiquitous electric blue suit, may be a common sight at bus stands, bastis and universities, but it hardly brings out the fact that his life is one that was overshadowed by iconography and idolatry. Leadership of Baba Saheb and

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his teachings contained in his spoken and written word have given them sufficient independence of thought and action.

Like most great men of the world he was the most misunderstood person in his own time. He had chosen a

Tribute

thor ny path to tread on while others preferred the rosy path for their life journey. A march was also led by him in the year 1927 at Mahad, Maharashtra for ascertaining the equal rights for untouchable people who were not allowed to even touch or taste the water of “Public Chawdar Lake”. He led the temple entry movement in the year 1930 at Kalaram Temple, Nashik, and Maharashtra for real human rights and political justice.

According to him political power is not the only way to solve all the problems of depressed class people

peveJejer-petve, 2016

but they should get equal rights in the society in every field.

Dr. Ambedkar, with his worldly perspective, changed the country’s fate.

He was a liberator and philosopher. Dr. Ambedkar was a man ahead of his time.

We remember his efforts to eradicate social evils and the importance he gave to education. He decided to delve into the history of human discrimination and untouchability menace.

As independent India’s first Law Minister, Ambedkar collaborated closely with Prime Minister Nehru in fighting against oppressive social hierarchies in Indian society. He hit the nail on the head, when he said that caste system in India was the root cause of the evil practice. Those who play politics of caste have no interest in welfare of poor people even within their caste. A nation can only progress if there is a feeling of unity. Babasaheb became a voice for the oppressed and downtrodden. His ideals and thoughts will continue to guide us in our mission for an equal society. Ambedkar added

that after Independence, we had greater responsibilities and that if things went wrong, we would have nobody to blame except ourselves.

Vinod Chandrashekhar Dixit National Banking Group-Central Ahmedabad

Š¸¢÷¸¢¨¸¢š¸¡¸¸¿

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Knowledge Plus

RegulatoRy guidelines on CustomeR seRviCe & gRievanCe RedRessal meChanism in Banks 1. Introduction The banking system in India, perhaps with the largest outreach, is serving as an important conduit for delivery of financial services. However, the quality of customer service has come under tremendous pressure, mainly owing to the expectations of the customers.

Reserve Bank of India (RBI), as banking sector regulator, has focused sharply on the quality of banking services available to the common person and need to rationalize the processes taking into account the technological developments.

Banking Codes and Standards Board of India (BCBSI) is engaged in drafting & monitoring the implementation of Codes and Standards for banks, to provide fair treatment in delivery of services to their customers.

The Banking Ombudsman Scheme (BOS) provides an expeditious and inexpensive forum to bank customers for resolution of their complaints, relating to deficiency in banking services.

The latest initiative of RBI for appointment of independent Chief Customer Service Officer (CCSO) to act as Internal Ombudsman, in banks is targeted to ensure that there is undivided attention to resolution of customer complaints in banks.

This article is aimed to disseminate the current regulatory guidelines relating to the customer service.

2. Definition of a Customer: Broadly, a customer is “User or Potential User of Bank Services”.

‘Customer’ includes: • A person or entity having an account and/or business relationship with the

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• •

•

3.

A)

B)

C)

D)

E)

4.

bank; One on whose behalf the account is maintained; Beneficiaries of transactions conducted by legally permitted professional intermediaries, like Stock Brokers, Chartered Accountants, Solicitors, etc; Any person or entity connected with financial transaction, which can pose significant reputational or other risks to the bank, say, wire transfer or issue of high value DD as single transaction.

Charter of Customer Rights: Right to Fair Treatment: No unfair discrimination on grounds such as gender, age, religion, caste and physical ability, when offering and delivering financial products.

Right to Transparency, Fair & Honest Dealing: No unfair business or marketing practices, coercive contractual terms or misleading representations.

Right to Suitability: Products offered to be appropriate to customer’s needs, based on assessment of customer’s financial circumstances & understanding.

Right to Privacy: Customers’ personal information to be kept confidential, unless specific consent is obtained or such information is provided under law or for mandated business purpose.

Right to Grievance Redress & Compensation: Customer has right to hold the Bank accountable for products offered and to get grievances redressed.

Customer Service: Institutional Framework

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Shri Surinder Kumar Dhingra is currently the Chief Customer Service Officer (Internal Ombudsman) in Bank of India. He is responsible to take final decision on the complaints, where the Bank decides to either reject or provide partial relief to the complainant. All such unresolved complaints will be escalated internally by the Bank. Shri Dhingra is former General Manager of Syndicate Bank, with over 41 years of rich experience in all spheres of Banking.

A) Customer Service Committee of the Board includes experts & customers’ representatives (as invitees) to formulate policies and internally assess their compliance.

B) Standing Committee on Customer Service may be chaired by CMD/MD or ED and includes non-officials as its members, for independent feedback on quality of customer service.

C) Branch Level Customer Service Committee includes customers.

Meets atleast once a month to study complaints/suggestions; difficulties faced/reported and evolves ways & means of improving customer service.

D) Nodal Department / Official for Customer Service in Head Office & each Controlling Office, whom customers with grievances can approach in first instance and BO/ RBI, can liaise.

5. Board approved policies on Customer Service: A) Comprehensive Deposit Policy includes rights of depositors, operational aspects of deposit accounts, charges leviable, etc.

B) Cheque Collection Policy for Immediate Credit, Time Frame for

C)

D) 6.

A)

B)

C)

D)

•

•

collection of cheques & Interest payment for delayed collection Customer Compensation Policy for Erroneous Debits on fraudulent or other transactions; Payment of interest for delays in collection / issue of duplicate DD & Bank’s other unauthorized actions leading to financial loss to customer Customer Grievance Redressal Policy based on the broad principles enumerated by RBI. Service at the Counters: Banking Hours / Working Days for Public: Branches to have minimum 4 hours on week days & 2 hours on Saturdays. Extension Counters/ Satellite Offices/ One Man Offices or other special branches may have shorter hours.

Changes in Banking Hours: Banks can decide any business hours, double shifts, any weekly holiday, etc; subject to minimum prescribed working hours for public transactions & notice to all concerned and avoiding infringement of local laws, Industrial Awards / Settlements, etc.

Commencement / Extension of Working Hours: for employees 15 minutes before business hours at branches in metro & urban centres, following provisions of Shops & Establishments Act. Availability of staff at counters throughout prescribed business hours and all customers entering the banking hall before close of business hours to be attended to.

Extended Business Hours for NonCash Banking Transactions: up till one hour before close of working hours for – Non-Voucher Generating Transactions: Issue of pass books/ account statements/ cheque books; Delivery of TDRs/ DDs; Accepting clearing cheques/ bills for collection/ share application forms, etc.

Voucher generating transactions: Issue of TDRss/ TCs / gift cheques; Acceptance of cheques for locker rent due/ individual cheques for transfer credit.

E) Evening Counters: At premises of existing branches in urban/ metro centres, for providing facilities to public, beyond normal business hours. Transactions conducted during extended business hours to be merged with main accounts of the branch.

7. Guidance to Customers and Disclosure of Information A) Assistance/ Guidance to Customers: All branches (except Very Small Branches), to have “Enquiry” or “May I Help You” Counters - exclusive or combined with other duties.

B) Time Norms Display: for specialized business transactions in the banking hall C) Comprehensive Notice Board: Minimum 2’x2’ size; Bilingual in Hindi speaking states and trilingual in other states; periodically updation, indicating date of respective change; & list of items on which information is available in booklet form.

Information on Notice Board • Customer Service- Key interest rates on deposits & forex; Nomination facility; exchange of soiled / mutilated notes/ coins; availability of cheque collection policy; limit for immediate credit of outstation cheques; Bank’s BPLR/ BR with effective date.

• Service Charges – Minimum balance requirements & charges for nonmaintenance.

• Grievance Redressal: Contact details of designated officers at branch, RM/ ZM and BO. • Other Services Provided- Direct Tax collection; PPF accounts; Senior Citizens Savings Scheme; PM Rozgar Yojana / other Govt. Sponsored Schemes; SSI Loans/Products; Kisan Credit Cards; Basic Savings Accounts; Acceptance of donations for PM’s Relief Fund.

• Timelines for conveying Credit Decisions- Procedure for disposal of loan proposals, timelines & monitoring mechanism for reviewing pending applications, without compromise on due diligence requirements.

• Name of Nodal Officer to facilitate

complaint submission by customers.

Complaint form to indicate the bank as first point for complaints redressal and complainant may approach BO, only if complaint is not resolved at the bank within a month.

• Name and address of Banking Ombudsman. Also name, address & telephone numbers of Bank’s Controlling Authority to whom complaints can be addressed.

D) Display outside Branch Premises: Name of Bank/ Branch, Working Days, Working Hours and Weekly Offday.

E) Booklets/Brochures: In File/ Folder as ‘Replaceable Pages’ to facilitate copying and updation, kept at customer lobby or ‘May I Help You’ counter. Copies to be made available to customers on request.

Information in Booklet Form• All items as per Comprehensive Notice Board.

• Citizen’s Charter for Currency Exchange facilities.

• Time norms for common transactions.

• Design and security features of all bank notes.

• Policy relating to Cheque Collection, Grievance Redressal Mechanism, Security Repossession and Compensation.

• Complete service charges, including services rendered free of charge.

• Fair Practices Code/ Code of Bank’s Commitment to Customers.

F) Website/ Public Domain: accessible from Home Page of Bank’s web-site1) Policy / Guidelines a) Citizen’s Charter b) Deposit Policy c) Deceased Depositors Policy with Nomination Rules d) Cheque Collection Policy e) Fair Practices Code for Lenders f) Fair Practices Code for Self- Regulation of Credit Card Business g) Code of Conduct for Direct Selling Agents h) Code for Collection of Dues and Repossession of Security

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2) a) b)

Complaints Grievance Redressal Mechanism Information relating to Banking Ombudsman c) Information relating to Customer Service Centres d) Complaint Form & name of Nodal Officer, to facilitate submission of complaint by customers for redressal.

Complaint Form to indicate the bank as first point for complaints redressal and complainant may approach BO, only if complaint is not resolved at the bank within a month. e) Name, address and telephone numbers of Bank’s Controlling Authority to whom complaints can be addressed.

3) Opening of Accounts a) Account Opening Forms b) Terms and Conditions c) Service Charges for various services and services available without charges. d) Interest rates on Deposits e) Minimum balances – along with corresponding facilities offered.

4) Loans and Advances a) Application Forms of loans and advances b) Copy of blank agreement to be executed by borrowers c) Terms and Conditions d) Processing fee and other charges e) Interest rates on Loans and Advances 5) Branches a) Details of branches, addresses & telephone numbers (with search engine for branch location) b) Details of ATMs with addresses c) Information on Government Sponsored Schemes 6) Timelines for Credit Decisions Procedure for disposal of loan proposals, timelines & monitoring mechanism for reviewing pending applications, without compromise on due diligence requirements 7) Other information: a) Detailed information as applicable for Booklets/Brochures b) Information on Interest Rates and Service Charges

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c)

Interest rate range of loans contracted during past quarter to individual borrowers and mean interest rates for such loans. d) Total fees/ charges applicable on loans to individual borrower, for informed decision making. e) APR or similar arrangement of representing total cost of credit on loan to individual borrower, for customers to compare borrowing costs associated with products and/ or lenders. f) Key Statement/ Fact Sheet clear, concise & one pager - to all individual borrowers at stage of loan processing and if any change in terms & conditions. May be included as summary box in credit agreement.

8. Cheque Drop Box Facility • Drop box & acknowledgement of cheques at regular collection counters to be made available • No branch to refuse to give acknowledgement, if the customer tenders cheques at the counters.

• Customers not to be compelled to drop cheques in drop-box. It should have display that “Customers can also tender cheques at the counter and obtain acknowledgment on pay-in-slips”.

• Fool-proof arrangements for accounting the number of instruments, each time the box is opened.

9. Dealing with Complaints and Improving Customer Relations A) Complaints/ Suggestions Box and Notice at every office for customers to meet the Branch Manager, if grievances remain unredressed.

B) Complaint Book/Register with perforated copies in each set, to instantly provide acknowledgement to complainant and intimation to Controlling Office (along with copy of complaint & BM remarks) All branches to maintain Complaints Register for entering all complaints received directly or through Head Office/ Govt. This register to be scrutinized by RM/ZM during

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periodical visit to branches and his observations/comments recorded in relative visit reports.

Banks having computerized operations can adopt prescribed format and generate copies electronically.

C) Complaint Form and name of Nodal Officer for complaint redressal, to be provided in homepage of bank’s website, to facilitate complaint submission by customers. Complaint form to indicate the bank as first point for complaints redressal and complainant may approach BO, only if complaint is not resolved at the bank within a month.

Name and address of Banking Ombudsman and also name, address & telephone numbers of Bank’s the Controlling Authority, to whom complaints can be addressed, to be given prominently.

10. Analysis and Disclosure of Complaints Banks to analyze complaints to identify complaint frequented areas, their sources and systemic deficiencies, for initiating action to make grievance redressal mechanism more effective and to place detailed statement of complaints and its analysis on website.

Banks required disclosing statistical information on customer complaints received at all levels and awards passed by BOs, along with their financial results.

11. Grievance Redressal Mechanism Banks are required toa) Have suitable mechanism for receiving & addressing complaints from its customers/ constituents, with specific emphasis on resolving such complaints fairly and expeditiously. b) Keep Complaints Register at prominent place in the branch, for customers to enter their complaints. c) Have a system of acknowledging the complaints received through letters / forms. d) Fix a time frame for resolving the complaints received at different levels. e) Make redressal of complaints from rural areas and relating to financial assistance to Priority Sector & Govt’s

Poverty Alleviation Programmes part of process. f) Display at branches: (a) Names & contact details (direct telephone no, fax no, postal address & e-mail ID) of officials for contact by the customers for redressal of complaints and for enhancing effectiveness of the redressal machinery, (b) Name & contact details of Nodal Officer appointed under BOS. g) Display on web-site: Names & other details of officials at HO/ZOs/ROs for redressal of complaints, including names of Nodal Officers / Principal Nodal Officer. h) Display on web-site: Names & other details of CMD/CEO and Line Functioning Heads for various operations to enable their customers to approach them in case of need.

12. Escalation of Unresolved Complaints: a) If Bank decides to either reject any complaint or provide partial relief, such cases will invariably be internally escalated to CCSO for his further examination and final decision.

CCSO decision will be binding on the Bank. Final communication to the complainant to have a clause that grievance has been examined by CCSO. b) If any complaint is not redressed within one month, the concerned branch/ Controlling Office shall forward a copy of same to Nodal Officer under BOS to keep him updated of status of the complaint. c) In final letter sent to customer regarding redressal of the complaint, bank to indicate that complainant can also approach concerned BO, including therein the contact details of concerned BO. 13. Appointment of Chief Customer Service Officer (CCSO) To improve banks’ customer grievance redress machinery and enable them to play more important role in resolution of customer complaints, RBI has advised all public sector banks and some other banks to appoint CCSO to act as Internal Ombudsman. CCSO in the rank of ex-

DGM/GM should not have worked in same bank earlier. Bank’s internal ombudsman will be a forum for grievance redressal before the complainants approach the Banking Ombudsman.

14. Banking Ombudsman Scheme (BOS), 2006 BOS provides quick & cost-free resolution for complaints on deficiency of banking services to common bank customers, who find it difficult or cost prohibitive to approach other redressal forums. There are 15 BOs with specific jurisdiction covering all 29 States and 7 UTs in India.

BOs consider complaints relating to deficiencies in banking or other services on 27 grounds as per Clause 8 of BOS and facilitate their satisfaction or settlement by agreement or through conciliation and mediation between the bank and aggrieved parties, or by passing an Award in accordance with the Scheme.

A. Procedure for filing complaint a) The aggrieved person can make written & signed complaint - himself or through his authorized representative (other than advocate) - to BO within whose jurisdiction the branch/ office of bank complained against is located. b) Complaint relating to operations of credit cards & other services with centralized operations, to be filed before BO within whose territorial jurisdiction the billing address of customer is located. c) Supporting documents & declaration that complaint is maintainable as per BOS to be filed. d) BO shall accept complaints made through electronic means or received through Central Govt./ RBI B. The complaint to BO shall lie only if:a) The written representation to bank was rejected or complainant had not received any reply within one month after bank received his representation or he is not satisfied with bank’s reply; b) Complaint is made within one year after receipt of bank’s reply or if no reply is received, within one year & one month after date of representation to the bank;

c)

Complaint is not in respect of same cause of action, which was settled or dealt with by BO in any previous proceedings - whether or not from same complainant or along with one or more complainants or one or more of the parties concerned with the cause of action; d) Complaint does not pertain to same cause of action, for which any proceedings before any court, tribunal or arbitrator or any other forum is pending or a decree or Award or order has been passed; e) Complaint is not frivolous or vexatious in nature; and f) Complaint is made before expiry of limitation period prescribed under Indian Limitation Act, 1963 C. Settlement of Complaint by Agreement: a) BO sends copy of complaint to branch or office of bank, under advice to Bank’s Nodal Officer and endeavors to promote settlement of complaint by agreement through conciliation or mediation. b) BO may follow such procedure as considered just & proper and he shall not be bound by any rules of evidence. c) Proceedings before the BO shall be summary in nature.

D. Award by the Banking Ombudsman: a) If complaint is not settled by agreement within one month from date of receipt or extended period, BO may, after affording reasonable opportunity to parties to present their case, pass an Award or reject the complaint. b) BO shall consider the evidence placed by parties, principles of banking law & practice, directions, instructions & guidelines issued by RBI and other factors considered relevant to the complaint. c) BO shall state briefly the reasons for passing the award. d) Award shall contain direction/s to the bank for specific performance of its obligations and amount, if any, to be paid by way of compensation for

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any loss suffered by the complainant, directly out of the act or omission of the bank. Such amount shall not be more than actual loss suffered or ten lakh rupees, whichever is lower. e) For complaints relating to credit card operations, BO may also award compensation upto ` one lakh, considering loss of time, expenses incurred, harassment & mental anguish suffered by the complainant. f) Copy of Award shall be sent to both Complainant and Bank. g) Award shall be implanted only if complainant furnishes his letter of acceptance in full and final settlement of his claim, to concerned Bank within 30 days from date of receipt of copy of Award. h) No such acceptance to be furnished, if the complainant has filed an appeal. i) Bank shall (unless it prefers appeal within one month of receipt of written acceptance of Award by the complainant), comply with Award and intimate compliance to BO. E. Rejection of the Complaint: BO may reject complaint any time, if it appears to him that there is no loss/ damage or inconvenience to the complainant or the complainta) is not on eligible grounds as per BOS, or b) is beyond the pecuniary jurisdiction of BO, or c) requires consideration of elaborate documentary & oral evidence; or d) is without any sufficient cause; or e) is not pursued by the complainant with reasonable diligence F. Appeal before the Appellate Authority (AA): a) The person aggrieved may, within 30 days of receipt of communication of Award or rejection of complaint, prefer appeal before Appellate Authority. b) For appeal by bank, 30 days shall commence from date of receipt of Award acceptance letter from complainant. c) AA may allow a further period not exceeding 30 days

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d)

Appeal by bank can be filed only with previous sanction of CMD or, in his absence, MD or ED or CEO or any other officer of equal rank. e) AA, after giving reasonable opportunity of being heard, may dismiss or allow appeal and set aside the Award; or advise the BO for fresh disposal in accordance with his directions; or modify the Award and pass directions to give effect to modified Award; or pass any other order. f) The order of AA shall have the same effect as Award by BO or order rejecting the complaint.

16. The Banking Codes and Standards Board of India (BCBSI) BCSBI set up by RBI in 2006, acts with the twin objective of framing of Codes & Standards for fair treatment of customers, as also monitoring implementation of the Code provisions by member banks.

A. BCSBI Codes: Both Code of Bank’s Commitment to Customers and Code of Bank’s Commitment to Micro & Small Enterprises, are periodically reviewed and revised.

However, these Codes do not replace or supersede regulatory or supervisory instructions of RBI. a) Code of Bank’s Commitment to Customers - This Code sets minimum standards of banking practices member banks have to follow, while they deal with individual customers. It provides protection to customers and explains how banks are expected to deal with customers in their day-to-day operations.

It applies to Deposit Products; Payment Services; Banking Services related to Govt. Transactions; Demat accounts, Equity, Govt. Bonds; Indian Currency Notes/Coins Exchange facility; Collection of Cheques, Safe Custody Services, Safe Deposit Locker Facility; Loans, Overdrafts & Guarantees; Foreign Exchange Services; 3rd Party Insurance & Investment products; Card Products & Services. b) Code of Bank’s Commitment to Micro & Small Enterprises (MSE)

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- It reflects Bank’s commitment to its MSE customers to provide easy, speedy & transparent access to banking services for their day to day operations and in times of financial difficulty. This code is Charter of Rights of MSE customers & their responsibilities vis-a-vis their bank.

It applies to Loans & Credit facilities (fund based & non-fund based); Foreign Exchange Services; 3rd party Insurance & Investment products; Factoring Services & Merchant Services.

B. Monitoring of Code Implementation : BCSBI obtains Annual Statement of Compliance (ASC) from banks, signed by Principal Code Compliance Officer and also by visiting sample of branches selected at random to look into grass-root level implementation. ASCs are self-certified statements, which are scrutinized and followed up with banks.

During branch visits, the authorized representatives of BCSBI record their observations in a structured questionnaire & also interview a few customers to obtain feedback.

The output of branch visits and customer responses are used for arriving at a Rating of Banks on Code implementation. The findings of Branch Visits and Rating awarded are conveyed to Banks for further action.

C. BCSBI Newsletter – Customer Matters: It provides information on important decisions of BOs on customer complaints; regulatory developments relating to Retail & MSE customers; and decisions taken by Consumer Courts on bank-customer disputes, etc.

References: 1. RBI’s Master Circular on Customer Service dated July 01,2015 2. Banking Ombudsman Scheme, 2006 3. Annual Reports of Banking Ombudsman Scheme, 2006 4. RBI’s Procedural Instructions for CCSO (Internal Ombudsman) 5. BCSBI Website (http://www.bcsbi. org.in/)

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£¸ ¸ˆÅ¸½’ ‚¿ ¸¥¸ Ÿ¸Ê ‚¢›¸¨¸¸¬¸ú ž¸¸£÷¸ú¡¸ ŠÏ¸íˆÅ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê ‚¸¿.œÏ. ªú ¬¸¢¥¸¥¸ ˆºÅŸ¸¸£ ¬¨¸¸ƒÄ, „œ¸ ‚¸¿.œÏ. ªú ¢Š¸£ú©¸ ˆºÅŸ¸¸£ ¢¬¸¿í, ¬¸.Ÿ¸.œÏ. ªú œ¸¢£Ÿ¸¥¸ ˆºÅŸ¸¸£ Ÿ¸¸½í¿÷¸ú ‡¨¸¿ ¨¸¢£. œÏ. ªú ‚ ¸¡¸ ¨¸¸¥¸¸—

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„ ¸¾›¸ ‚¿ ¸¥¸ ˆÅú ¬¸½“ú›¸Š¸£ ©¸¸‰¸¸ ׸£¸ ‚¸¡¸¸½¢ ¸÷¸ £Æ÷¸™¸›¸ ¢©¸¢¨¸£ Ÿ¸Ê £Æ÷¸™¸›¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ‡ ˆ½Å œ¸¸“ˆÅ— ¬¸¸˜¸ Ÿ¸Ê, Ÿ¸º.œÏ. ¬¸½“ú›¸Š¸£ ©¸¸‰¸¸ ªú ‚¢›¸¥¸ ¸¾›¸, œ¸»¨¸Ä Ÿ¸.œÏ. ªú ‡¬¸ ¬¸ú ¸¾›¸, ‡¨¸¿ ¬¸.Ÿ¸.œÏ. ªú ™úœ¸ˆÅ ¨¸£í¸”ˆÅ£—

Taarangan

January-June 2016

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›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸¢ä¸Ÿ¸-2) / NATIONAL BANKING GROUP (WEST-2)

›¸¸Š¸œ¸º£ ‚¿ ¸¥¸ ׸£¸ JDIET Euphoria 2016 Ÿ¸Ê œ¸½’︽ ˆ½Å¢Ÿ¸ˆÅ¥¸ ƒ¿ ¸ú¢›¸¡¸¢£¿Š¸ Ÿ¸Ê œÏ˜¸Ÿ¸ ‚¸‡ ¢¨¸Ô¸¸˜¸úÄ ªú ¢¨¸œ¸º¥¸ Š¸¸¿š¸ú ˆÅ¸½ ¬¸¸½›¸½ ˆÅ¸ ¢¬¸ÆˆÅ¸ œÏ™¸›¸ ˆÅ£÷¸½ íº‡ ™¸£™¸›¸Š¸£ ©¸¸‰¸¸ ˆ½Å ¨¸¢£.©¸¸.œÏ ªú ”ú ‡Ÿ¸ £¸¨¸÷¸ —

ˆÅ¸½¥í¸œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ¬’¸£ ‚¸Á’¸½¢ûÅ›¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¥¸¸ž¸¸˜¸úÄ ŠÏ¸íˆÅ ªú ¢ˆÅ’º£ˆÅ£ ˆÅ¸½ Ÿ¸¸³Å÷¸ú ˆÅ¸£ ˆÅú ¸¸¤¸ú ¬¸¸ÿœ¸÷¸½ íº‡ ˆÅú Š¸”õ¢í¿Š¸¥ ¸ ©¸¸‰¸¸ ˆ½Å ©¸¸.œÏ. ‡¨¸¿ ¬’¸ûÅ ¬¸™¬¡¸ —

œ¸ºµ¸½ ‚¿ ¸¥¸ ˆÅú ¢œ¸œ¸¸¥¸½ ¬¸º™¸ˆÅ£ ©¸¸‰¸¸ ׸£¸ œÏš¸¸›¸Ÿ¸¿°¸ú Ÿ¸ºÍ¸ ¡¸¸½ ¸›¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¢¨¸î¸œ¸¸½¢«¸÷¸ ¬ˆ»Å¥¸ ¤¸¬¸ ˆÅú ¸¸¤¸ú ¥¸¸ž¸¸˜¸úÄ ˆÅ¸½ ¬¸¸ÿœ¸÷¸½ íº‡ ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú œÏ¬¸¸™ ¸¸½©¸ú ‡¨¸¿ ©¸¸.œÏ. ªú œ¸¸“ˆÅ —

ˆÅ¸½¥í¸œ¸º£ ‚¿ ¸¥¸ ׸£¸ Ÿ¸í¸¥¸®Ÿ¸ú Ÿ¸¿¢™£, ˆÅ¸½¥í¸œ¸º£ œÏ¸¿Š¸µ¸ Ÿ¸Ê ƒÄ-íº¿”ú ˆ½Å ¥¸¸½ˆÅ¸œ¸Äµ¸ ‚¨¸¬¸£ œ¸£ ¢ ¸¥¸¸š¸ú©¸ ªú ‚¢Ÿ¸÷¸ ˆºÅŸ¸¸£ ¬¸¾›¸ú, ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú Š¸µ¸½©¸›¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸ —

ˆÅ¸½¥í¸œ¸º£ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¸÷¸º˜¸Ä ‚¿÷¸££¸«’ïú¡¸ ˆÅ¸½¥í¸œ¸º£ ¢ûÅ¥Ÿ¸ Ÿ¸í¸½÷¬¸¨¸ Ÿ¸Ê ¢¨¸‰¡¸¸÷¸ ‚¢ž¸›¸½÷¸¸ ‡¨¸¿ ¢ûÅ¥Ÿ¸ ¢›¸™½Ä©¸ˆÅ ªú ‚Ÿ¸¸½¥¸ œ¸¸¥¸½ˆÅ£ ˆÅ¸ ¬¸ŸŸ¸¸¢›¸÷¸ ˆÅ£÷¸½ íº‡ ˆÅ¸½¥í¸œ¸º£ ‚¿ ¸¥¸ ˆ½Å ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú Š¸µ¸½©¸›¸ —

ˆÅ¸½¥í¸œ¸º£ ‚¿ ¸¥¸ ׸£¸ ›¸Š¸£ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¬¸¿œ¸¢î¸ œÏ™©¸Ä›¸ú Ÿ¸Ê †µ¸ ¡¸¸½ ¸›¸¸‚¸Ê ˆÅú ¸¸›¸ˆÅ¸£ú ™½›¸½ í½÷¸º ¥¸Š¸¸‡ Š¸‡ ¬’¸¥¸ ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ íº‡ ¢¨¸œ¸µ¸›¸ œÏ¤¸¿š¸ˆÅ ªú ¢ˆÅ£µ¸ œ¸’½¥¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸ —

‚¸£¤¸ú‚¸ƒÄ ׸£¸ ¤¸ÿˆÅ ˆ½Å ¬¸¸½ ¸›¡¸ ¬¸½ ‚¸¡¸¸½¢ ¸÷¸ ûÅú¥” ¬÷¸£ ˆ½Å ¢¨¸î¸ú¡¸ ¬¸Ÿ¸¸¨¸½©›¸ ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅ¸ ©¸ºž¸¸£¿ž¸ ˆÅ£÷¸½ íº‡ ¬¸¸½¥¸¸œ¸º£ ‚¿ ¸¥¸ ˆ½Å ‚¸¿.œÏ. ªú ‡¬¸ ˆ½Å £½¥¸›¸ — ¬¸¸˜¸ Ÿ¸Ê, ¬¸.Ÿ¸.œÏ ‚¸£¤¸ú‚¸ƒÄ ªú Ÿ¸¸½í›¸ ¬¸¸¿Š¸¨¸úˆÅ£, ”ú”ú‡Ÿ¸ ›¸¸¤¸¸”Ä ªú œÏ™úœ¸ ¸¸ƒ¥¸ —

¬¸¸½¥¸¸œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¬¸º£®¸¸ ¸¸Š¸²ÅˆÅ÷¸¸ ¬¸œ÷¸¸í ˆ½Å ‚¨¸¬¸£ œ¸£ „œ¸¦¬˜¸÷¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ‡¬¸ ˆ½Å £½¥¸›¸ —

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›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (œ¸¢ä¸Ÿ¸-1) / NATIONAL BANKING GROUP (WEST-1)

¨¸š¸¸Ä ©¸í£ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ £¸½’£ú „÷¬¸¨¸ 2016 ˆ½Å ™¸¾£¸›¸ ¥¸Š¸¸‡ Š¸‡ ¤¸ÿˆÅ ˆ½Å ¬’¸¥¸ ˆÅ¸ ¢›¸£ú®¸µ¸ ˆÅ£÷¸½ íº‡ ¢¨¸™ž¸Ä ‚¿ ¸¥¸ ˆ½Å ‚¸¿.œÏ. ªú £Ÿ¸½©¸ ˆÅ™Ÿ¸ —

Ÿ¸º¿¤¸ƒÄ ™¢®¸µ¸ ‚¿ ¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ Ž°¸œ¸¢÷¸ ¢©¸¨¸¸ ¸ú Ÿ¸í¸£¸ ¸ ¸¡¸¿÷¸ú ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê ¢©¸¨¸¬¸½›¸¸ ˆ½Å Ÿ¸¸›¸›¸ú¡¸ ¬¸¸¿¬¸™ ªú ‚¢›¸¥¸ ™½¬¸¸ƒÄ ˆÅ¸ ¬¨¸¸Š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸-1) ªú ƒ¿ÍŸ¸µ¸ú Ÿ¸¢¥¸ˆÅ— ¬¸¸˜¸ Ÿ¸Ê, ¤¸ÿˆÅ ‚¸ÁûöÅ ƒ¿¢”¡¸¸ ¥¸¸½ˆÅ¸¢š¸ˆÅ¸£ ¬¸¢Ÿ¸¢÷¸ ˆ½Å Ÿ¸í¸¬¸¢ ¸¨¸ ªú £¸ ¸½©¸ ¬¸ˆÅœ¸¸¥¸, „œ¸ Ÿ¸.œÏ. ªú ¤¸¥¸™½¨¸ ˆºÅ’¸£, ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú £¢¨¸ Š¸ºœ÷¸¸ ‡¨¸¿ ¬¸.Ÿ¸.œÏ. ¬¸ºªú œÏ½Ÿ¸¸ ’ú ‡¨¸¿ ªú ‚¢ ¸÷¸ ˆºÅŸ¸¸£—

ˆÅ¸½¥í¸œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ œÏ¤¸¿š¸ˆÅ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê ÷¸÷ˆÅ¸¥¸ú›¸ ‚¸¿.œÏ. ªú Š¸µ¸½©¸›¸ ‚¸¾£ ¨¸÷¸ÄŸ¸¸›¸ ‚¸¿.œÏ. ªú ‚¸£¬¸½ˆÅ£ ˆ½Å ¬¸¸˜¸ ¬¸Ÿ¸¬÷¸ ¨¸¢£«“ œÏ¤¸¿š¸ˆÅŠ¸µ¸—

Ÿ¸¿º¤¸ƒÄ ¬¸½¨¸¸ ©¸¸‰¸¸ ˆ½Å ¬’¸ûÅ ªú œÏ™úœ¸ œ¸’¨¸š¸Ä›¸ ˆÅ¸½ Ÿ¸í¸£¸«’ï ¬¸£ˆÅ¸£ ˆÅú ‚¸½£ ¬¸½ ›¸¸’θ™œ¸Äµ¸ œ¸º£¬ˆÅ¸£ ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸-1) ªú ƒ¿ÍŸ¸µ¸ú Ÿ¸¢¥¸ˆÅ, ¬¸Ÿ¸œÏ ªúŸ¸÷¸ú œÏ½Ÿ¸¸ ’ú, ˆÅŸ¸Ä ¸¸£ú ¬¸½›¸¸ ˆ½Å Ÿ¸.¬¸. ªú œÏŸ¸¸½™ œ¸¿”º£ˆÅ£ ‚¸¾£ ¬¥¸¸½¬¸ ˆ½Å Ÿ¸.¬¸. ªú £¸ ¸½©¸ ¬¸ˆÅœ¸¸¥¸—

¬¸¸½¥¸¸œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ‚.¢ ¸.œÏ. ªú ¬¸º¤¸½ ¢¬¸¿í ˆ½Å ›¸½÷¸¼÷¨¸ Ÿ¸Ê ˆ¼Å¢«¸ ÷¸¿°¸±¸¸›¸ ¨¡¸¨¸¬˜¸¸œ¸›¸¸ ¡¸¿°¸µ¸¸, ¸¿Íœ¸º£ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¢ ¸¥¸¸ ˆ¼Å¢«¸ œÏ™©¸Ä›¸ú Ÿ¸Ê ‚¸£¬¸½’ú ‡¨¸¿ ¥¸ú” ¤¸ÿˆÅ ˆ½Å ³Åœ¸ Ÿ¸Ê œÏ™¢©¸Ä÷¸ ¬’¸¥¸ œ¸£ ¬’¸ûÅ ¬¸™¬¡¸Š¸µ¸ —

£÷›¸¸¢Š¸£ú ‚¿ ¸¥¸ ˆÅú œ¸¸¨¸¬¸ ©¸¸‰¸¸ ׸£¸ ‚¸¡¸¸½¢ ¸÷¸ ¢ˆÅ¬¸¸›¸ Ÿ¸½¥¸½ Ÿ¸Ê ¨¸¢£.©¸¸. œÏ. ªú ƒÄ渣 ¸›Í Š¸ºœ÷¸¸ ‚¸¾£ „œ¸¦¬˜¸÷¸ ¢ˆÅ¬¸¸›¸—

Navi Mumbai Zone, ZM Shri G H Sarangi inaugurating the stall of bank installed during 16th Mega Property Exhibition of CREDAI – BANM held at CIDCO Exhibition Centre, Vashi.

Raigad Zone, Dhatav Branch organized Recovery Loan camp whereby 22 borrowers became debt free. BM Shri Vijay Kumar Kulkarni with Ms. Rani More, Mr. Satish Padave and Bank Customers.

Taarangan

January-June 2016

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KNOWLEDGE PLUS

100 Years of Glory– Gateway to the Temple of Learning Banaras Hindu University was founded by Freedom Fighter, Bharat Ratna Pt. Madan Mohan Malviya, has turned 100 years on 13th January, 2016. BHU was founded as important seat of Higher Education in 1916. During the time of its establishment it was the first University in India that was the result of a Private Individual’s Efforts.

B

anaras Hindu University was founded by Freedom Fighter, Bharat Ratna Pt. Madan Mohan Malviya, has turned 100 years on 13th January 2016. BHU was founded as important seat of higher education in

1916. During the time of its establishment it was first University in India that was the result of a Private Individual’s Efforts.

Currently BHU has about 140 departments organized into 14 faculties (streams) and 4 institutes besides one Indian Institute of Technology and Institute of Medical Sciences. The Asia’s largest residential university with around 20,000 students from over 34 nations having a vast campus of 2,700 acres, BHU has listed in list of Institutes of National Importance.

Today, the University is witnessing a phase of surge in development with the Rajiv Gandhi South Campus at Barkacha, Mirzapur, Upgradation of IIT BHU & establishment of Multicity Trauma Centre.

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Motto of BHU ¢¨¸Ô¸¡¸¸¶Ÿ¸¼¼÷¸ªº÷¸½ (Sanskrit) In English it means ‘Knowledge imparts Immortality’.

Star Alumni of BHU The never-ending list of people includes notable Graduates, Professors and Administrators affiliated with BHU. To mention few of them are: Nobel Laureate and Bharat Ratna Shri C. V. Raman (Visiting Professor at IT, BHU), Bharat Ratna and President of India, Mr. A. P. J. Abdul Kalam (Visiting professor at IT, BHU), First Vice President of India and Bharat Ratna, Shri Sarvapalli Radhakrishnan had been Vice Chancellor of BHU, Shri Harisvansh Rai Bachchan (Poet), Shri B. P. Koirala (Former Prime Minister of Nepal),

Shri. Bhupen Hazarika (Singer, Poet & Dada Saheb Phalke award winner), Shri K. N. Govindacharya (Environmen talist), Shri Byomkesh Mohanty (Painter), Shri Shankar Dayal Singh (Writer, Politician). Etc. Bank of India & BHU We have dedicated an entire branch (namely BHU Trauma Centre Branch) for the service of students of BHU as well as Patients & their relatives who come to the BHU Trauma Centre for their treatment. It is very close to the BHU Gate which makes it easily accessible.

Being a Women Branch in Varanasi

Zone we provide our best services and most comfortable environment to all our customers.

Recently, Vigilance Awareness Week was celebrated among the students of Law Faculty, one of the earliest faculties of BHU. Our active participation in various events of BHU makes our presence even more prominent and thus increasing our customer base. Many of the faculties and students have associated with us for their financial needs.

Not only this, many of our staff members

Our active participation in various events of BHU makes our presence even more prominent and thus increasing our customer base. Many of the faculties and students have associated with us for their financial needs.

Taarangan

are handpicked from this great institution and their determined and dynamic approach proves them a real gem for our bank.

Several milestones are credited to this pioneer educational institution. We wish the legacy of university’s brilliant track record continues to live up with the expectations of its founder Late Madan Mohan Malviya.

Truly a pride of Varanasi!

Srishti Pandey

Varanasi Zone

January-June 2016

53

›¸½©¸›¸¥¸ ¤¸ÿ¢ˆ¿ÅŠ¸ ¬¸Ÿ¸»í (™¢®¸µ¸) / NATIONAL BANKING GROUP (SOUTH)

ˆ½Å£¥¸ ‚¿ ¸¥¸ ˆÅú 100¨¸ú¿ ©¸¸‰¸¸ œ¸ºî¸›¸œ¸ú¢”ˆÅ ˆÅ¸ „™‹¸¸’›¸ ˆÅ£÷¸ú íºƒô ¬˜¸¸›¸ú¡¸ ¢¨¸š¸¸¡¸ˆÅ ªúŸ¸÷¸ú Š¸ú÷¸¸ Š¸¸½œ¸ú— ¬¸¸˜¸ Ÿ¸Ê, ‚¸¿.œÏ. ªú ¨¸ú ‚¸›¸¿™, „œ¸ ‚¸¿.œÏ. ªú ’ú £¢¨¸›Í›¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

÷¸½¥¸¿Š¸¸›¸¸ ‚¿ ¸¥¸ ˆÅú ƒ¿ ¸¸œ¸º£ ©¸¸‰¸¸ ˆÅ¸ „™‹¸¸’›¸ ˆÅ£÷¸½ ‚¸¿.œÏ. ªú ¸ú ¢¨¸æ¸›¸¸˜¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

÷¸½¥¸¿Š¸¸›¸¸ ‚¿ ¸¥¸ ˆÅú ¬¸»¡¸¸Äœ¸½’ ©¸¸‰¸¸ ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ ‚¸¿.œÏ. ªú ¸ú ¢¨¸æ¸›¸¸˜¸ ‡¨¸¿ ‚›¡¸ ¬’¸ûÅ ¬¸™¬¡¸—

Andhra Pradesh Zone ZM Shri Susil Kumar Agrawal along with his wife Mrs. Naga Bramaramba, NGO member Adv. Mrs. Padmaja, President AIBOC, AP Unit Shri G Vasudeva Rao, Zonal Secretary Shri Mangapathi along with all the participants of `Women sports Meet' of AP Zone.

Andhra Pradesh Zone conducted an Inter-Zone Cricket Tournament between Andhra Pradesh Zone and Telangana Zone at Visakhapatnam.

Andhra Pradesh Zone was Winner of the tournament. The event was inaugurated by AGM, Visakhapatham Branch Shri B C Chetty & President AIBOA, AP Unit Shri G Vasudeva Rao, & GS SC/ST/OBC Association Shri T V Sanchi. The matches were supervised by Senior Manager (IT) Shri K Nagendra Babu & Officer, Madhurawada Branch Shri S Joga Rao.

‡¥¸»³ ‚¸¾£ ¢¨¸©¸¸‰¸œ¸’Ã’µ¸Ÿ¸ Ÿ¸Ê ¢¨¸¢¨¸š¸ ‰¸½¥¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸‚¸Ê ˆÅ¸ ‚¸¡¸¸½ ¸›¸ ‚¸¿ ¸¢¥¸ˆÅ ˆÅŸ¸Ä ¸¸£ú ˆÅ¥¡¸¸µ¸ ¬¸¿Š¸“›¸, ‚¸›šÏ œÏ™½©¸ ׸£¸ ‡¥¸»³ ‚¸¾£ ¢¨¸©¸¸‰¸œ¸’Ã’µ¸Ÿ¸ Ÿ¸Ê Ÿ¸¢í¥¸¸ ‚¸¾£ œ¸º³Å«¸ ˆÅŸ¸Ä ¸¸¢£¡¸¸Ê ˆ½Å ¢¥¸‡ ¢¨¸¢¨¸š¸ ‰¸½¥¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸‚¸Ê ˆÅ¸ ‚¸¡¸¸½ ¸›¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— ƒ›¸ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸‚¸Ê Ÿ¸Ê ¬¸ž¸ú ›¸½ ¤¸ õ ¸ õ ˆÅ£ ¢í¬¬¸¸ ¢¥¸¡¸¸— ¢¨¸ ¸½÷¸¸‚¸Ê ˆÅ¸½ œ¸º£¬ˆÅ¸£¸Ê ¬¸½ ¬¸ŸŸ¸¸¢›¸÷¸ ¢ˆÅ¡¸¸ Š¸¡¸¸— 54

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

¸¸£‰¸¿” £¸ ¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ¬¸Ä ¬¸¢Ÿ¸¢÷¸ ˆÅú 55¨¸ú¿ ¤¸ÿ“ˆÅ Ÿ¸Ê Ÿ¸¸›¸›¸ú¡¸ Ÿ¸º‰¡¸Ÿ¸¿°¸ú, ¸¸£‰¸¿” ¬¸£ˆÅ¸£ ªú £‹¸º¨¸£ ™¸¬¸ ˆÅ¸½ ©¸¸Á¥¸ œ¸í›¸¸ˆÅ£ ‚¢ž¸›¸¿™›¸ ˆÅ£÷¸½ íº‡ ‡Ÿ¸”ú ‡¨¸¿ ¬¸úƒÄ‚¸½ ªú Ÿ¸½¥¸¢¨¸›¸ £½Š¸¸½— ¬¸¸˜¸ Ÿ¸Ê, ¢¨¸ˆÅ¸¬¸ ‚¸¡¸ºÆ÷¸, ¸¸£‰¸¿” ¬¸£ˆÅ¸£ ªú ‚¢Ÿ¸÷¸ ‰¸£½ ‡¨¸¿ ¤¸ÿˆÅ¸Ê ˆ½Å ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

¸Ÿ¸©¸½™œ¸º£ ‚¿ ¸¥¸ ׸£¸ ¬¨¸¡¸¿ ¬¸í¸¡¸÷¸¸ Ÿ¸¢í¥¸¸ ¬¸Ÿ¸»í¸Ê ˆ½Å ¢¥¸‡ ‚¸¡¸¸½¢ ¸÷¸ ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê „œ¸¦¬˜¸÷¸ ÷¸÷ˆÅ¸¥¸ú›¸ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú ( ¸¸‡¨¸¿Ž) ªú Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸, ‚¸¿.œÏ. ªú ‚¸¥¸¸½ˆÅ œÏˆÅ¸©¸ ¡¸¸™¨¸, ‚ŠÏµ¸ú ¢ ¸¥¸¸ œÏ¤¸¿š¸ˆÅ ªú ‡›¸ ˆ½Å ¢¬¸›í¸ ‚¸¾£ ŠÏ¸Ÿ¸úµ¸ Ÿ¸¢í¥¸¸‡¿—

í ¸¸£ú¤¸¸Š¸ ‚¿ ¸¥¸ Ÿ¸Ê Ÿ¸½¬¸¬¸Ä ¸¸½í¸£ í½¥˜¸ Ÿ¸Ê’½›¸Ê¬¸ ‚¸ÁŠ¸Ä›¸¸ƒÄ ¸½©¸›¸ ˆ½Å ÷¸÷¨¸¸¨¸š¸¸›¸ Ÿ¸Ê ‡ˆÅ œÏ¸˜¸¢Ÿ¸ˆÅ ¬¨¸¸¬˜¡¸ ˆÊÅÍ ˆ½Å ¢›¸Ÿ¸¸Äµ¸ ‡¨¸¿ „œ¸ˆÅ£µ¸ ‰¸£ú™ í½÷¸º ‚›¸º™¸›¸ £¸¢©¸ ÷¸÷ˆÅ¸¥¸ú›¸ Ÿ¸¸›¸›¸ú¡¸ ¢¨¸î¸ £¸ ¡¸Ÿ¸¿°¸ú ªú ¸¡¸¿÷¸ ¢¬¸›í¸ ˆÅ¸½ ž¸Ê’ ˆÅ£÷¸½ íº‡ ÷¸÷ˆÅ¸¥¸ú›¸ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú ( ¸¸‡¨¸¿Ž) ªú Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ ‡¨¸¿ ‚¸¿.œÏ. ªú ‚¢Ÿ¸÷¸ £¸¡¸—

¸Ÿ¸©¸½™œ¸º£ ‚¿ ¸¥¸ ˆÅú 100¨¸ú¿ ©¸¸‰¸¸ ÷¸¢Ÿ¸¢¥¸¡¸¸ ˆÅ¸ ©¸ºž¸¸£¿ž¸ ˆÅ£÷¸½ íº‡ ÷¸÷ˆÅ¸¥¸ú›¸ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú ( ¸¸‡¨¸¿Ž) ªú Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸, ‚¸¿.œÏ. ªú ‚¸¥¸¸½ˆÅ œÏˆÅ¸©¸ ¡¸¸™¨¸, „œ¸ ‚¸¿. œÏ. ªú ‚¸£ ‚¥¸Š¸£¬¸¸¢Ÿ¸, ‚ŠÏµ¸ú ¢ ¸¥¸¸ œÏ¤¸¿š¸ˆÅ ªú ‡›¸ ˆ½Å ¢¬¸›í¸ ‡¨¸¿ ›¸ƒÄ ©¸¸‰¸¸ ˆ½Å œÏ¤¸¿š¸ˆÅ ªú œ¸£¢Ÿ¸¿™£ ¢¬¸¿í ÷¸˜¸¸ ¬¨¸¸Š¸÷¸ Š¸ú÷¸ œÏ¬÷¸º÷¸ ˆÅ£÷¸ú¿ Ž¸°¸¸‡¿—

£¸¿ ¸ú ‚¿ ¸¥¸ ˆ½Å ¢©¸¢“¡¸¸½ ©¸¸‰¸¸ (¢ ¸¥¸¸ ¥¸¸½í£™Š¸¸) ˆÅ¸ „™Ã‹¸¸’›¸ ˆÅ£÷¸½ íº‡ ˆ½Å›Íú¡¸ ŠÏ¸Ÿ¸úµ¸ ¢¨¸ˆÅ¸¬¸ £¸ ¡¸Ÿ¸¿°¸ú (¬¨¸÷¸¿°¸ œÏž¸¸£) ªú ¬¸º™©¸Ä›¸ ž¸Š¸÷¸— ¬¸¸˜¸ Ÿ¸Ê, ‚¸¿.œÏ. ªú ©¸¿ˆÅ£ œÏ¬¸¸™, ‚ŠÏµ¸ú ¢ ¸¥¸¸ œÏ¤¸¿š¸ˆÅ ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

ž¸¸Š¸¥¸œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ¬’¸ûÅ ‡¨¸¿ „›¸ˆ½Å œ¸¸¢£¨¸¸¢£ˆÅ ¬¸™¬¡¸¸Ê ˆ½Å ¢¥¸‡ ‚¸¡¸¸½¢ ¸÷¸ `Exuberance-16 ¨¸¸¢«¸ÄˆÅ ‰¸½¥¸ˆ»Å™ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸' ˆ½Å ¢¨¸ ¸½÷¸¸ œÏ¢÷¸ž¸¸Š¸ú ˆÅ¸½ œ¸º£¬ˆ¼Å÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ±¸¸›¸½æ¸£ œÏ¬¸¸™ ‡¨¸¿ ¬¸¸˜¸ Ÿ¸Ê „œ¸ ‚¸¿.œÏ. ªú ‡¬¸ œ¸ú ¢¬¸¿í

£¸¿ ¸ú ‚¿ ¸¥¸ ˆ½Å ÷¸í÷¸ ›¸Š¸£ „’¸£ú ©¸¸‰¸¸ ˆÅ¸ „™‹¸¸’›¸ ˆÅ£›¸½ ˆ½Å ¤¸¸™ ¬¸ž¸¸ ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸¸›¸›¸ú¡¸ ¬¸¸¿¬¸™ (œ¸¥¸¸Ÿ¸») ªú ¢¨¸«µ¸º ™¡¸¸¥¸ £¸Ÿ¸— ¬¸¸˜¸ Ÿ¸Ê, ‚¸¿.œÏ. ªú ©¸¿ˆÅ£ œÏ¬¸¸™, ‚›¸ºŸ¸¿”¥¸ œ¸™¸¢š¸ˆÅ¸£ú, ªú £¸ ¸½©¸ ˆºÅŸ¸¸£ ¬¸¸í—

£¸¡¸œ¸º£ ‚¿ ¸¥¸ ˆÅú ¢¨¸š¸¸›¸¬¸ž¸¸ £¸½” ˆÅú ¨¸¢£«“ ©¸¸‰¸¸ œÏ¤¸¿š¸ˆÅ ªúŸ¸¢÷¸ ¬¨¸¸¢÷¸ ªú¨¸¸¬÷¸¨¸ ‚¸ˆÅ¸©¸¨¸¸µ¸ú Ÿ¸Ê ¸›¸ š¸›¸ ¡¸¸½ ¸›¸¸ ˆ½Å ÷¸í÷¸ œÏ©›¸¸½î¸£ú Ÿ¸Ê ž¸¸Š¸ ¥¸½÷¸ú íºƒô—

Taarangan

January-June 2016

55

VIEW POINT

THE PHILOSOPHY OF A BANKER After 37 years of service in the bank, when retired, I feel fully satisfied. I had my own philosophy. My peers or people know me, may be having a feeling that I have not reached the level, I could have. Some blame my lack of initiative and some blame my fate. But I am the most satisfied person. No regrets whatever it is.

Tears rolled down my eyes, when one commercial pilot informed me that when his first piloting took from the runway, he remembered me.

I was instrumental in sanctioning an education loan with a deviation.

I

n the background of the not so impressive settlement which poorly compare with the pay and perks of other sectors, my new generation bankers may wonder, whether it is wise to be with the industry.

Even though there is little option left for them, the feeling of lost opportunity in monetary terms may hurt them continuously. Unless you have a philosophy and faith as to why you should accept the career, it affects your health, family and the bank too.

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I had earnestly believed that I am precisely chosen by the almighty (whatever name you may call it) among many a people like me to execute his plan. All said and done, everybody admits that the progress or prosperity of any village or town, is related to the bankers of that area. The real change agent is bankers and the rests are only facilitators.

When everybody put their signature on the paper, you do it on the society. You can see your signature everywhere both static and moving.

Hundreds of professionals you have financed, students you have extended finance (Sanctioning an education loan means gifting the life to a student and to his family).

Think of any number of houses, vehicles, marriages etc. for which you have extended finance by putting your signature. Sanctioning a Housing loan means making somebody’s dream comes true. Ask the excitement

peveJejer-petve, 2016

of a person and his family, who completes construction of his house. Be it a doctor, engineer, pilot, you are instrumental in making them a life. Tears rolled down my eyes, when one commercial pilot informed me that when his first piloting took from the runway, he remembered me. I was instrumental in sanctioning an education loan with a deviation.

Have you ever thought of, why you get recommendatory request coming from MPs, MLAs, and Dist. Collectors for helping some facilities.

They appear to be high in hierarchy, but you are the person chosen by god to execute his plan. They can only request. If the Dist collector’s milk vendor wants to purchase a milch animal, he has to request you to sanction a loan, and you may consider it on merit. But if your milk vendor desires to purchases a milch animal…….? It can happen on the same day he desires, through you. Who is superior, you or the all powerfull collector? The god has immense faith in you to entrust the key of his treasury.

No other profession has such elbow room and freedom to create, whether the highly paid IT professional, MNC employee or even the Civil Services. All along we bankers complaints of pay and perks,

late sitting, pressure from top to bottom, right and left, non recognition of your performance. But everything will subsume if you for a while think of your real employer. I am sure by executing his plan; you will definitely find a place in the brighter world. At least I do believe firmly and I am happy.

Young friends, stand on your foot, look straight, be your customer, subordinates, peers or bosses, who demand unreasonably, fix benchmarking for you, comment about your performance and non performance. Offer them a hearty smile, which means, you are none to command to me. I am the chosen. I am the creater. You are all just the facilitators.

I promise you friends, if you hold this philosophy close to your heart, have deep-rooted faith in HIM, the journey will be smooth, you will be hail and healthy always, and your family too.

Good luck! See you at the top.

KVN Namboodri Ex-Staff Thrissur, Kerala

£¸ ¸ž¸¸«¸¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿/œ¸º£¬ˆÅ¸£

›¸£¸ˆÅ¸¬¸ (¤¸ÿˆÅ) ›¸¸Š¸œ¸º£ ˆÅú ¤¸¾“ˆÅ ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ¸¿ÍˆÅ¸¿÷¸ œ¸¸½œ¸½£½— Ÿ¸¿ ¸¸¬¸ú›¸ ¬¸.Ÿ¸.œÏ.(£¸.) ªú ©¸¾¥¸½©¸ Ÿ¸¸¥¸¨¸ú¡¸, „œ¸¢›¸™½©¸ˆÅ (ˆÅ¸.), ®¸½ˆÅ¸ˆÅ¸, Ÿ¸º¿¤¸ƒÄ ”¸Á. ¬¸º›¸ú÷¸¸ ¡¸¸™¨¸ ‡¨¸¿ ‚›¡¸ ‚¢š¸ˆÅ¸£úŠ¸µ¸—

œ¸ºµ¸½ ‚¿ ¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ¢í¿™ú ˆÅ¸¡¸Ä©¸¸¥¸¸ ˆ½Å ™¸¾£¸›¸ „œ¸¦¬˜¸÷¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ Ÿ¸.œÏ. ‡›¸¤¸ú ¸ú (œ¸-2) ªú œÏ¬¸¸™ ¸¸½©¸ú — ¬¸¸˜¸ Ÿ¸Ê, „œ¸ ‚¸¿.œÏ. ªú œÏˆÅ¸©¸ Ÿ¸¸½‹¸½ ‡¨¸¿ œÏ¤¸¿š¸ˆÅ (£¸.) ªú £¸ ¸½©¸ ˆÅ¸£¿”½ ‚¸¾£ „œ¸¦¬˜¸÷¸ œÏ¢÷¸ž¸¸Š¸ú—

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‡¬¸’ú¬¸ú, ž¸¸½œ¸¸¥¸ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ ‚¢‰¸¥¸ ž¸¸£÷¸ú¡¸ £¸ ¸ž¸¸«¸¸ ¬¸ŸŸ¸½¥¸›¸ Ÿ¸Ê £¸ ¸ž¸¸«¸¸ ‚¢š¸ˆÅ¸¢£¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ.ªú ™¨¸½›Í œ¸¸¥¸ ©¸Ÿ¸¸Ä— ¬¸¸˜¸ Ÿ¸Ê œÏ¸ ¸¸¡¸Ä ªú ‡ ¸ œ¸ú ¢×¨¸½™ú, ¬¸Ÿ¸œÏ-£¸. ªú ©¸½¥¸½©¸ Ÿ¸¸¥¸¨¸ú¡¸ ‡¨¸¿ ÷¸÷ˆÅ¸¥¸ú›¸ ¬¸Ÿ¸œÏ-£¸. ªú ¸½ œ¸ú Ÿ¸»µ¸—

›¸£¸ˆÅ¸¬¸ (¤¸ÿˆÅ), í¾™£¸¤¸¸™ ׸£¸ ÷¸½¥¸¿Š¸¸›¸¸ ‚¿ ¸¥¸ ˆÅ¸½ ¢¨¸î¸ ¨¸«¸Ä 2014-15 í½÷¸º £¸ ¸ž¸¸«¸¸ Ÿ¸Ê „÷ˆ¼Å«’ ˆÅ¸¡¸Ä ¢›¸«œ¸¸™›¸ í½÷¸º œÏ™î¸ ¢×÷¸ú¡¸ œ¸º£¬ˆÅ¸£, ¬¸¢Ÿ¸¢÷¸ ˆ½Å ‚š¡¸®¸ ¬¸½ ŠÏíµ¸ ˆÅ£÷¸½ íº‡ ‚¸¿.œÏ. ªú ¸ú ¢¨¸æ¸›¸¸˜¸ ‡¨¸¿ ÷¸÷ˆÅ¸¥¸ú›¸ œÏ¤¸¿š¸ˆÅ-£¸. ªú ¢›¸£¿ ¸›¸ ˆºÅŸ¸¸£ ¬¸¸Ÿ¸¢£¡¸¸—

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¥¸‰¸›¸… ‚¿ ¸¥¸ Ÿ¸Ê œ¸š¸¸£½ ¢¨¸î¸ Ÿ¸¿°¸¸¥¸¡¸, ¢¨¸î¸ú¡¸ ¬¸½¨¸¸‡¿ ¢¨¸ž¸¸Š¸ ˆ½Å ¬¸¿¡¸ºÆ÷¸ ¢›¸™½©¸ˆÅ (£¸ ¸ž¸¸«¸¸), ”¸Á. ¨¸½™ œÏˆÅ¸©¸ ™»¤¸½ ˆ½Å ¬¸Ÿ¸®¸ ‡¨¸¿ ‚¸¿.œÏ. ªú £¸ ¸ Ÿ¸í¸¦›÷¸ ˆÅú „œ¸¦¬˜¸¢÷¸ Ÿ¸Ê ‚›¸ºœ¸¸¥¸›¸ ¢£œ¸¸½’Ä œÏ¬÷¸º÷¸ ˆÅ£÷¸ú íºƒô ÷¸÷ˆÅ¸¥¸ú›¸ œÏ¤¸¿š¸ˆÅ (£¸.) ”¸Á. ‚¿¢ˆÅ÷¸¸ ’¿”›¸ ‡¨¸¿ „œ¸¦¬˜¸¢÷¸ ‚›¡¸ ¬¸Ÿ¸¬÷¸ ¬’¸ûÅ ¬¸™¬¡¸—

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Taarangan

January-June 2016

57

HEALTH PLUS

Investment in Health

by Mindful Eating Milan K Sinha Retired Staff & Motivational Speaker, Patna

U

ndeniably, every living being including the human being needs food to eat in order to grow and survive.

We also know that except human beings all other living creatures on this earth are in need of limited variety of eatables.

We, in fact, can’t think of a modern day living without a large variety of food items, more for satisfying our tongue than for survival and for maintaining a better health.

Maybe that is the reason why in today’s fast life a large section of city dwellers fall prey to eating highly spicy, oily, salty and sugary items often and that too in a hurried manner and in a state of stress. Believe it or not, this is one main reason which makes them indisposed frequently. “One pill for every ill” syndrome complicates the situation further. This adversely impacts both their domestic as well as professional life in several ways.

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Now before moving forward to dwell upon various dimensions of this interesting subject, let us begin with the basic question: do we live to eat or eat to live?

In other words, the crucial part of healthy eating is nothing but having a balanced diet. And a balanced diet - or a good diet - means consuming eatables from different food groups in right quantities, Undoubtedly, the simple and most logical because one single food group cannot answer is, primarily we eat to live. If that provide everything an average healthy is so, the next question must be asked and person needs. that is, what should be our diet in order Nutritionists opine that there are five to live well and healthy? main food groups: 1. Fruits 2. Vegetables Taking healthy food does mean eating a variety of foods that contain nutrients we need to maintain our health and keep us going. These nutrients include protein, carbohydrates, fat, vitamins, minerals and water.

Water forms about 70% of the body weight and is an important constituent of all body cells. All the chemical reactions and processes in the body take place in the medium of water. Sufficient quantity of water should, therefore, be ingested daily.

peveJejer-petve, 2016

3. Whole grains 4. Milk and dairy products and 5. Egg, fish, meat, nuts, beans etc.

Unquestionably, eating seasonal fruits and vegetables in reasonable quantity regularly has added advantages.

Ok, fine. But is that all? No, besides the quality and quantity of what we eat throughout the day, it is equally important to keep in mind when to eat our food and how much. There is an age old saying which goes like this: take the breakfast like a king or a queen, take the lunch like a prince or a princess and take the dinner

It has been discovered that even factors such as how you eat your food can influence how many calories get into your system, which is very important in any case. Medical experts opine that the longer you chew your food, the more calories the body retains.

like a pauper or a beggar. The message is quite loud and clear. Nonetheless, putting it briefly in simple words, our day should start early with highly nutritious items in good quantity. The lunch should be lighter than the breakfast and dinner the lightest, preferably taken before 9 pm. Maintaining a time gap of 4-5 hours between two meals is a healthy option.

One point of caution which needs no emphasis is to consume as little simple sugar and common salt as possible.

Yes, the number of calories we need (from the food we eat daily) can depend on several factors like our age, size, height, sex etc. As such, the normal requirement may vary from 1800 to 3000 calories per day. To say, an active older man will require fewer calories than an active young man.

It has been discovered that even factors such as how you eat your food can influence how many calories get into your system, which is very important in any case. Medical experts opine that the longer you chew your food, the more calories the body retains.

home-made food cooked or prepared by using natural ingredients. Surprisingly, such food items prepared and consumed consciously from health point of view in a routine manner can compensate the requirement of medicine, if at all we’re about to fall sick.

One more thing is to be kept in mind. We should avoid junk and processed food and also aerated drinks, as they contain less nutrition, yet more quantity of fat, sugar and salt. Instead, it’s far better to have

Taarangan

To put it differently, it can be said that we don’t have to eat less, we have to eat right instead. Truly speaking, healthy eating is a way of life, which everyone should follow and practise in order to remain fit and fine. And who should know it better than any employee working in today’s competitive environment that the healthier he is, the better he will perform and achieve his goals.

Before signing off, it is interesting to find what Thomas Alva Edison said in this

regard long back, “The doctor of future will give no medication, but interest the patients in the care of human frame, diet and in the cause prevention of disease.”

January-June 2016

the will the and

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Magic Someone said Magic And she cried in cheer Magic is my faith, my belief, my hope Magic is when I walk alone And cold breeze whispers in my ear, There’s magnificent throne Come walk hand in hand dear.

Magic is when my lungs inflate; Seeing mountains kissing the sky, Like passionate soul mates.

Magic is when eyes see; How river gently touches the feet of pebbles, Asking them not to set her free.

Magic is when chills run down through my spines; Seeing how snow hugs the trees,, Like quilt, till next summer sun shines.

Magic-Magic is, When sunlight touches the tip of that beautiful mountain And where moonbeam kisses the end of the river.

Magic-Magic is When universe gives comfort in every sorrow; When earth brings solace in every pain; When there is joy in walking the pathless ways; When there is whole galaxy accompanying you by the unfathomable sea; When you hear the music in every bit of nature.

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Last she said Magic - Magic is when nature says Come sleep in my arms till; I give you another mighty power of imagination, And from there on she loves human less and nature more.

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Monil Modi

Marketing Officer Banagalore

Taarangan

January-June 2016

63

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INTERNATIONAL YOGA DAY 2016 - CELEBRATIONS AT NBGS AND ZONES 15

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NPA HURDLE IN THE GROWTH OF ECONOMY

A

s rightly said by Warren Buffet “In a difficult business, no sooner one problem is solved as another surfaces. Never is there just one cockroach in the kitchen”, the NPA situation in the PSBs is going to haunt the banking industry for the remaining quarters of FY2017.

Since December 2015, the gross NPA level has reached an abnormal level when the Reserve Bank of India tightened the IRAC norms while conducting a deep surgery on the banking system in identifying and marking the assets as Non Performing. This situation is not going to be improved in the near future and may even worsen in case the restructuring of the limits are taken in to consideration from the date they were restructured.

Let us jot down the main causes for this mess of “BAD LOANS” created in the Indian Banking System. a) b) c) d) e)

Slowdown in the economy Assumptions going wrong Hedged positions Diversion of Funds Casual approach of the borrower community f) Sudden application of Regulatory Norms g) Huge capacity addition by China h) Yuan Depreciation i) Cheap imports from China j) Corruption at various levels k) Liquidity and highly leveraged positions To come out of this mess, a lot of stringent measures are required to be taken in a systematic manner over the next 3 quarters. These measures may be cost cutting, reduction of debt thereby reducing the interest outgo,

Taarangan

selling of non-core assets, going for low cost of funds as against high cost debt, increasing the bottom line by producing at low cost etc,.

It is high time now that the Public Sector Banks should come back to basic banking procedures and should concentrate on the long-term India story instead of 20-20. Many years the PSBs have not carried out the main banking business and wasted time in canvassing 3rd party insurance products, selling Mutual Fund products, Gold coins etc,. As the results season for March 2016 has already begun, we may not see encouraging numbers from Banks but going forward we may expect a sea change in reducing the NPA with a positive monsoon forecast and likely reduction in interest rates by the Central Bank during the next monetary policy. The above factors may add fuel to the economic growth and hopefully

by Deepavali 2016, the dust should settle down and a clear picture may emerge that of India clocking a spectacular and robust GDP of 7.5% to 8% by March 2017.

Satish M Bharadi

Data Center, IT Dept.

CBD Belapur

January-June 2016

67

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68

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¤¸›¸¸›¸ú ¸¸¢í‡— „¸ ‡¨¸¿ ª½«“ ¬¸½¨¸¸‡¿ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¥¸¿¤¸½ ¬¸Ÿ¸¡¸ ÷¸ˆÅ ¤¸›¸¸¡¸½ £‰¸›¸½ Ÿ¸Ê Ÿ¸™™ ˆÅ£÷¸ú í¾ ÷¸ž¸ú ퟸ¸£½ ¤¸ÿˆÅ ˆÅ¸ ˆÅ¸£¸½¤¸¸£ „››¸¢÷¸ ˆÅú ‚¸½£ ‚ŠÏ¬¸£ í¸½Š¸¸— ˆÅ¸£¸½¤¸¸£ ˆÅ¸ ¢¨¸ˆÅ¸¬¸, ž¸¸«¸¸ ˆÅ¸ Ÿ¸í÷¨¸ ‡¨¸¿ ŠÏ¸íˆÅ ¬¸½¨¸¸ ¡¸í ÷¸ú›¸¸Ê ‡ˆÅ ª¼¿‰¸¥¸¸ ˆÅú ÷¸£í í¾ ¸¸½¢ˆÅ ‡ˆÅ-™»¬¸£½ ˆ½Å ¢¤¸›¸¸ ¬¸Ÿž¸¨¸ ›¸íú¿ í¾ ¨¡¸¢Æ÷¸ ˆÅú ž¸¸«¸¸ íú ‡ˆÅ ‡½¬¸¸ £¸Ÿ¸¤¸¸µ¸ ˆÅ¸£ˆÅ í¾ ¸¸½ ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆÅ¸½ „÷ˆ¼Å«’ ¤¸›¸¸›¸½ ‡¨¸¿ ˆÅ¸£¸½¤¸¸£ ¢¨¸ˆÅ¸¬¸ Ÿ¸Ê ¬¸¤¸¬¸½ ‚¢š¸ˆÅ Ÿ¸í÷¨¸œ¸»µ¸Ä í¾— ˆÅ¸£¸½¤¸¸£ ¢¨¸ˆÅ¸¬¸ ˆ½Å ¢¥¸‡ ž¸¸«¸¸ ˆÅ¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ƒ¬¸¢¥¸‡ ž¸ú Ÿ¸¸›¸¸ Š¸¡¸¸ í¾ Æ¡¸¸Ê¢ˆÅ ŠÏ¸íˆÅ ¨¸ ¤¸ÿˆÅ ¬’¸ûÅ ˆ½Å ¤¸ú ¸ ¬¸¿¨¸¸™ ¬¸º¢¨¸š¸¸ ¸›¸ˆÅ ¨¸ ‚¸¬¸¸›¸ í¸½ ¢ ¸¬¸¬¸½ ‚¸œ¸ ŠÏ¸íˆÅ ˆÅú ¬¸Ÿ¸¬¡¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸ ¸½ ‚¸¾£ ÷¸º£›÷¸ ¢›¸œ¸’¸›¸ ˆÅ£ ¬¸ˆ½Å ‡¨¸¿ ŠÏ¸íˆÅ ž¸ú ‚¸œ¸ˆÅú ž¸¸«¸¸ ˆÅ¸½ ¬¸Ÿ¸ ¸ ¬¸ˆ½Å, ¸¸½ ˆÅ¸£¸½¤¸¸£ ¢¨¸ˆÅ¸¬¸ ˆ½Å ¢¥¸‡ ¬¸í¸¡¸ˆÅ í¾— ¨¸¾æ¸úˆÅ£µ¸ ÷¸˜¸¸ „™¸£úˆÅ£µ¸ ˆ½Å ƒ¬¸ ¡¸ºŠ¸ Ÿ¸Ê ¨¡¸¨¸¬¸¸¡¸ Ÿ¸Ê œÏ¢÷¸¬œ¸š¸¸Ä ¤¸ õ›¸¸ ¥¸¸¢ ¸Ÿ¸ú í¾ ¨¸¾¬¸½ ¢ˆÅ¬¸ú ž¸ú ¨¡¸¨¸¬¸¸¡¸ ˆÅú ¬¸ûÅ¥¸÷¸¸ „¬¸ˆ½Å ŠÏ¸íˆÅ¸Ê ˆÅú ¬¸¿÷¸º«’ú œ¸£ ¬¸¤¸¬¸½ ‚¢š¸ˆÅ ¢›¸ž¸Ä£ ˆÅ£÷¸ú í¾— ‡ˆÅ œÏ¢¬¸Ö ¢¨¸×¸›¸ ›¸½ ˆÅí¸ í¾ ¢ˆÅ `¢ˆÅ¬¸ú ž¸ú ¨¡¸¨¸¬¸¸¡¸ ˆÅ¸ „Ó½©¡¸ ›¸¡¸½ ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¸¸½”õ›¸¸ ‡¨¸¿ „›íÊ ¤¸›¸¸‡ £‰¸›¸¸ í¾—' ŠÏ¸íˆÅ¸Ê ˆÅ¸½ ¤¸›¸¸‡ £‰¸›¸¸ ‡¨¸¿ „›íÊ ¸¸½”õ½ £‰¸›¸¸ ‡ˆÅ „÷ˆ¼Å«’ ŠÏ¸íˆÅ ¬¸½¨¸¸ ׸£¸ íú ¬¸¿ž¸¨¸ í¾— ‡ˆÅ ¬¸¿÷¸º«’ ŠÏ¸íˆÅ íú Ÿ¸¸ˆ½ÄÅ¢’¿Š¸ ˆÅ¸ ¬¸¤¸¬¸½ ¤¸”õ¸ ¬¸¸š¸›¸ í¾ ¢ ¸¬¸¬¸½ ¢›¸÷¸ ›¸¡¸½

ŠÏ¸íˆÅ¸Ê ˆÅ¸ ‚¸Š¸Ÿ¸›¸ í¸½÷¸¸ í¾— ©¸¸‰¸¸ ˆ½Å œÏ÷¡¸½ˆÅ ¬¸™¬¡¸ (¬’¸ûÅ) ŠÏ¸íˆÅ ¬¸½¨¸¸ ˆ½Å œÏ¢÷¸ ¬¸ ¸½÷¸ £íÊ— ŠÏ¸íˆÅ¸Ê ˆÅú ¬¸Ÿ¸¬¡¸¸‚¸Ê ˆÅ¸½ ¬¸Ÿ¸ ¸Ê ‡¨¸¿ ¢›¸œ¸’¸›¸ ˆÅ£Ê— ퟸ¸£½ ¤¸ÿˆÅ `¤¸ÿˆÅ ‚¸ÁûöÅ ƒ¿¢”¡¸¸' ˆÅ¸ ›¸¸£¸ í¾ - `¢£©÷¸¸Ê ˆÅú ¸Ÿ¸¸œ¸»Â ¸ú' ¸¸½ ¤¸ÿˆÅ ¨¸ ŠÏ¸íˆÅ¸Ê ˆ½Å ¬¸Ÿ¤¸›š¸ ˆÅ¸½ Ÿ¸í÷¨¸œ¸»µ¸Ä ¤¸÷¸¸÷¸¸ í¾— ŠÏ¸íˆÅ ¬¸½¨¸¸ ‡¨¸¿ ˆÅ¸£¸½¤¸¸£ ¢¨¸ˆÅ¸¬¸ ˆ½Å ¢¥¸‡ ¢›¸Ÿ›¸¢¥¸¢‰¸÷¸ ¸ú{¸¸Ê ˆÅ¸ ¬¸Ÿ¸ ¸›¸¸ ¨¸ ¤¸÷¸¸›¸¸ ‚¸¨¸©¡¸ˆÅ í¾ 1. ŠÏ¸íˆÅ¸Ê ˆÅú ¸³Å£÷¸¸Ê ˆÅ¸½ ¬¸Ÿ¸ ¸›¸¸ 2. ŠÏ¸íˆÅ ˆÅú ž¸¸«¸¸ Ÿ¸Ê ¤¸¸÷¸ ˆÅ£›¸¸ 3. ŠÏ¸íˆÅ ˆÅú ¢©¸ˆÅ¸¡¸÷¸¸Ê ˆÅ¸½ Ÿ¸í÷¨¸ ™½›¸¸ ¢›¸«ˆÅ«¸Ä À ˆÅ¸£¸½¤¸¸£ ˆ½Å ¢¨¸ˆÅ¸¬¸ ˆ½Å ¢¥¸‡ ž¸¸«¸¸ ˆ½Å Ÿ¸í÷¨¸ ˆÅ¸½ ›¸ˆÅ¸£¸ ›¸íú¿ ¸¸ ¬¸ˆÅ÷¸¸— ž¸¸«¸¸, ¤¸ÿˆÅ ‡¨¸¿ ŠÏ¸íˆÅ ˆ½Å ¤¸ú ¸ ¬¸Ÿ¤¸›š¸ ¬˜¸¸¢œ¸÷¸ ˆÅ£›¸½ ˆÅ¸ ¬¸¸š¸›¸ í¾ ¢ ¸¬¸Ÿ¸Ê ퟸ ‚œ¸›¸½ ˆÅ¸£¸½¤¸¸£ ˆÅ¸½ ¢¨¸ˆÅ¸¬¸ ˆÅú £¸í œ¸£ ‚ŠÏ¬¸£ ˆÅ£ ¬¸ˆÅ÷¸½ íÿ—

¢¨¸ž¸¸½£ Š¸ºœ÷¸¸ ‰¸º ¸¸¾¥¸ú ¸¸¾£¸í¸ ©¸¸‰¸¸ ¥¸‰¸›¸… ‚¿ ¸¥¸

¢©¸®¸µ¸-œÏ¢©¸®¸µ¸

DGM & Principal, MDI Shri Ashok Mishra addressing the participants of Executive Development Programme organized for AGMs at MDI, Belapur. (On dais LtoR) GM (L&D) Shri R K Sinha, then GM (HR) Shri R N Kar, AGM & VP, MDI Shri Raj Kishor Kularay

“Star Sakhi” has been started at New Delhi (NBG North-I). Team members of Star Sakhi at STC Noida led by Mrs. Pranita Garg w/o Shri D K Garg, GM, NBG North-I.

District Collector, Bandra addressing during DLCC and KVIC meeting conducted by LDM Office, MNZ. LDM & CM Shri Gadadhar Sethi is Ÿ¸º ¸ÉûÅ£œ¸º£ ‚¿ ¸¥¸ Ÿ¸Ê ¬¸¤¸¬’¸ûÅ ¬¸½ ¢¥¸¢œ¸ˆÅ ¬¸¿¨¸Š¸Ä Ÿ¸Ê œ¸™¸½››¸¢÷¸ í½÷¸º ‚¸¡¸¸½¢ ¸÷¸ œÏ¢©¸®¸µ¸ also present on the occasion.

ˆÅ¸¡¸ÄÇÅŸ¸ Ÿ¸Ê œÏ¢÷¸ž¸¸¢Š¸¡¸¸Ê ˆÅ¸½ ¬¸¿¤¸¸½¢š¸÷¸ ˆÅ£÷¸½ íº‡ „œ¸ ‚¸¿.œÏ. ªú ”ú œ¸ú ¢¬¸¿í— ¬¸¸˜¸ Ÿ¸½¿ ‡¬¸’ú¬¸ú ˆÅ¸½¥¸ˆÅ¸÷¸¸ ˆ½Å ‚›¸º™½©¸ˆÅ, ‚¿ ¸¥¸ ˆ½Å ‚¢š¸ˆÅ¸£ú ‡¨¸¿ œÏ¢©¸®¸µ¸¸˜¸úÄ—

LDM & CM, MNZ Shri Gadadhar Sethi addressing the meeting LDM & CM, MNZ Shri Gadadhar Sethi addressing the meeting conducted at Andheri (W). 550 people gathered in the seminar along conducted for Minority Community Development at Jogeshwari East.

250 participants along with Principal Secretary Minority Community with Corporator BMC, Gen. Sect. AIMC (Maharashtra), RTI activist Development, Social activist & many recognized dignitaries were & Principal Secretary, MDD, Maharashtra. present

Taarangan

January-June 2016

69

KNOW YOUR PRODUCT

Free Group Personal Accident Death Insurance Cover for customers

(Under select Saving Bank Account Schemes) and Staff Salary Account Holders

B

ank has launched various innovative Saving Schemes with salient product features. One of the features is Free Group Personalized Accidental Death Insurance cover of varied nature for the Account Holders under various SB Schemes. The important feature is that Bank is giving this facility without charging any extra cost from the customers and is also paying the premium on behalf of the customers under these schemes. The branches can use it as a tool to market the product. Reports have suggested that “NIL” or nominal claims has been received from the Branches so far with regards to Group Personal Accidental Death Insurance cover. Let us go through the scheme and learn its salient features for the benefit of customers and business growth of the bank.

Reports have suggested that “NIL” or nominal claims has been received from the Branches so far with regards to Group Personal Accidental Death Insurance cover.

The main features of the Insurance Scheme: •

The insurance premium for all these schemes is paid by the Bank on behalf of the customers

•

All these covers are extended only to the first A/c holder (in case of joint accounts) of age 18 years and above.

•

The cover is applicable only to Resident individuals and shall not applicable to Non-Resident Indians.

•

It is mandatory to provide details of nominee in order to avail benefits under Group Personal Accident Insurance Cover.

•

All SB accounts should be opened in relevant scheme codes and special charge code only to extend the Accidental Insurance Cover.

Since, the Policy for these accounts is a Group Personal Accidental Death Insurance Policy; no separate policy document shall be given to customers. Few of our competitors charge their customers for providing such benefits. Bank is bearing the cost of above insurance facility and is paid by the bank to the insurance company centrally from Head Office. Customers are offered this facility FREE OF COST.

The facility for Insurance cover on Staff Salary Accounts shall be linked to the PF Id of Staff irrespective of the scheme under which Salary account is opened.

It is important to give wide publicity to these features at the time of opening the accounts and at every other available opportunity like “Customer Meets” etc., so that bank can get good mileage out of it.

The Group Personal Accident death Insurance Cover (Accidental Death Cover Only) offered by our Bank is as under:-

Claim Submission Procedure Prescribed by National Insurance Co. Ltd.

*subject to continuity of the feature

Duly filled claim form, Medical Certificate (available on website in SB Insurance), along with the following documents (in Amount of original or certified true copies Sum Insured from concern Branch office for `5.00 Lacs settlement of P.A claim) should be submitted: `5.00 Lacs

•

Type of Savings Bank Product Segment (Individual customers only) Diamond Customers (Individual SB Diamond Accounts only) Star Senior Citizen Saving Bank Account - SB 166 Star Mahila SB Account - SB 167 SB Pensioners under scheme code SB-121 Star Suraksha SB & Star Suraksha SB Plus Account (SB 101, Special charge code 102,103) BOI Star Yuva SB Accounts (18- 21 Years) SB 116 BOI Star Yuva SB Accounts ( 21 years & above) SB 116

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`5.00 Lacs `5.00 Lacs `0.50 Lacs `0.50 Lacs `5.00 Lacs

1) Claim Form, 2) Original First and Final police report. 3) Original inquest punchnama. 4) Certified copy of post-mortem report. 5) Name of nominee.

6) Confirmation from branch confirming above account holder

SALARY ACCOUNTS Star Gurukul Salary Account - SB 163 (Special charge code - GURU) Jai Jawan Salary Plus Account Scheme - SB 161 & 162 BOI Salary Plus Account - SB 163 i. Para Military Forces (Spl. Charge Code 0201) ii. State & Central Govt. employees (Spl. Charge Code 0202) iii. Employees of Public sector Undertakings ( Spl. Charge Code 0203) iv. Private Sector Employees (Spl. Charge Code 0204) BOI Saral Salary Account Scheme - SB 165 Star Ratnakar Bachat Salary Account - SB 164 Staff Salary Accounts (PF Id) particulars are declared for Personal accident cover. 7) Certified copy of pass book along with date of opening of account. 8) Death Certificate.

Please note, all enclosures along with the duly filled claim application form should be having seal and signature of the concerned Bank officer. Following information should also be furnished to enable National Insurance Co. Ltd to remit insurance claim amount through NEFT upon settlement claim which is as under: 1. Name of Bank : Bank of India 2. Branch Name : Name of the Branch, Zone Name 3. Office A/c No of the Branch : (Zone) : - (The Claim amount, will be transferred in BOI, Br Office A/c only as the policy is issued to Bank of India)

4. IFSC CODE :

`5.00 Lacs `10.00 Lacs

The claim form, Medical Certificate (duly filled) along with the requisite documents should be submitted directly to the following address.

`10.00 Lacs `10.00 Lacs `10.00 Lacs `5.00 Lacs `1.00 Lacs `2.00 Lacs `10.00 Lacs

The Divisional Manager, National Insurance Company Limited, D.O - 261700, 1st Floor, 14, J. Tata Road, Royal Insurance Building, Church gate, Mumbai – 400 020. Telephone Nos.022-22021866/67/68,Direct 022-22021886, Fax No.022-22021869 E-mail Id:- h.castelino@nic.co.in/ KavitaH.Tilve@nic.co.in

Branches, upon receipt of claim request from the nominee, must necessarily follow the above mentioned procedure for claim submission. For any clarification branches can contact Mrs. Hilda Castelino, Divisional Manager, National Insurance Company Limited on above phone numbers or Mrs. Kavita Tilve.

Note: In case of photo copies of documents, the same has to be verified & attested by respective Branch Manager (signature with stamp & officer’s PF no.). If the reports are in vernacular language, the same must be translated in English language and notarized.

The claim form of Group Personal Accident Death Insurance cover can be downloaded from our website (http://www.bankofindia. co.in/english/SB_Insurance.aspx) and from Star Desk (under the section Downloads) also.

- Resource Mobilization Dept., HO

Note: (As the NEFT will be in favour of Bank of India, office A/c. of the specific branch under which the claim has occurred)

Ÿ¸.œÏ. (Ÿ¸¸.¬¸¿.) ˆÅ¸ ‚¢ž¸›¸¿™›¸

Ÿ¸.œÏ. (Ÿ¸¸.¬¸¿.) ªú Ÿ¸¼÷¡¸º¿ ¸¡¸ ˆºÅŸ¸¸£ Š¸ºœ÷¸¸ ˆÅ¸ ‚¢ž¸›¸¿™›¸ ˆÅ£÷¸½ íº‡ ¤¸ÿˆÅ ‚¸ÁûöÅ ƒ¿¢”¡¸¸ ¥¸¸½ˆÅ¸¢š¸ˆÅ¸£ ¬¸¢Ÿ¸¢÷¸ ˆ½Å Ÿ¸í¸¬¸¢ ¸¨¸ ªú £¸ ¸½©¸ ¬¸ˆÅœ¸¸¥¸ ‡¨¸¿ ‚›¡¸ œ¸™¸¢š¸ˆÅ¸£úŠ¸µ¸—

‚›¡¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿ Bank Awarded by Hughes India for Highest Percentage of Vsat Media in its Branch Network

AGM (IT) Shri Kamesh Mantha, Data Centre, Head Office receiving the award during the function organised in Mumbai

Taarangan

January-June 2016

71

›¸ƒÄ ©¸¸‰¸¸‡¿/ƒÄ-Š¸¾¥¸£ú

›¸ƒÄ ©¸¸‰¸¸‡¿

Ÿ¸½ ¸½™¸ ©¸¸‰¸¸, í¸¨¸”õ¸ ‚¿ ¸¥¸

œ¸¿ £œ¸»£ ©¸¸‰¸¸, ›¸¨¸ú›¸ œ¸£ú¬¸£, ¬¸¸½¥¸¸œ¸º£ ‚¿ ¸¥¸

‚ ¸›¸¸¥¸½ ©¸¸‰¸¸, ¬¸¸½¥¸¸œ¸º£ ‚¿ ¸¥¸

Subash Chowk (e-Gallery), Solapur Zone

Nipaniya Branch, Indore Zone

Adhewada Branch, Rajkot Zone

Chanchal Branch, Siliguri Zone

¢›¸Ÿ¸Ä¥¸ ©¸¸‰¸¸, ÷¸½¥¸¿Š¸¸›¸¸ ‚¿ ¸¥¸

Nagpur Village Branch, Indore Zone

œ¸µ¸¬¸¸½£¸ ©¸¸‰¸¸, ¨¸”¸½™£¸ ‚¿ ¸¥¸

¨¸¸¬¸›¸¸ž¸¸¨¸¥¸ú ©¸¸‰¸¸, ¨¸”¸½™£¸ ‚¿ ¸¥¸

œ¸¸½››¸ºÆˆÅ£¸ ©¸¸‰¸¸, ˆ½Å£¥¸ ‚¿ ¸¥¸

ˆÅ¸½’ˆÅ ©¸¸‰¸¸, ÷¸½¥¸¿Š¸¸›¸¸ ‚¿ ¸¥¸

œ¸¸½”úˆÅ¸½µ¸Ÿ¸ ©¸¸‰¸¸, ˆ½Å£¥¸ ‚¿ ¸¥¸

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¢¨¸©¸½«¸ Š¸¢÷¸¢¨¸¢š¸¡¸¸¿

Pondicherry Branch opened the Account of Hon’ble Lieutenant Governor of Pondicherry Ms. Kiran Bedi. Chief Manager Shri Manish Kar Ray along with Senior Managers Shri R Pasupathy & Shri S Kuppusamy handing over the passbook to her in person at her office.

¥¸¸¨¸¸£ú¡¸¸ ž¸¾³Å ©¸¸‰¸¸, ƒ¿™¸¾£ ©¸¸‰¸¸

Kolhapur Zone ZM Shri B K Arsekar and DZM Shri Milind Pathak along with Shri Dilip Mhaiskar and Shri Vinay Mishra greeting Chhatrapati Shri Sambhaji Raje on his nomination as MP (Rajya Sabha) from Kolhapur.

ƒ¥¸½Æ’ï¸Á¢›¸ˆÅ ¢¬¸’ú ©¸¸‰¸¸, ¤¸¿Š¸¥¸º³Å ‚¿ ¸¥¸

IFTAR PARTY AT NAGPADA BRANCH, MUMBAI SOUTH ZONE

¤¸ú’ú‡Ÿ¸ ©¸¸‰¸¸, ¤¸¿Š¸¥¸º³Å ‚¿ ¸¥¸

Nagpada Branch, MSZ orgnaised an IFTAR Party on the occassion of RAMZAN. ZM Shri K Rajaraman, DGM, NBG(W-1) Shri Sudhakar Kaimal, DZM MSZ Shri Shettigar, Branch Manager Shri M V V Bangarraju, Editor 'Taarangan'

Mahud Branch, Solapur Zone

Sonke Branch-New Premises, Solapur Zone

Shri S M Shakeel, valued customer Dr Zahir Kazi, Shri Babulal Bohra, Shri Vasiullaha Khan & Dr. Azizullaha Khan were present on the occassion amongst all other valued customers.

The customers were overwhelmed by the goodwill gesture shown by BOI which has been continously being followed by the Branch from last 23 years.

Taarangan

January-June 2016

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AWARENESS PROGRAMME

‘Security Awareness Week’ organized at Head Office

T

he Security Awareness Week was inaugurated by the Executive Director, Shri R P Marathe, in Head office Auditorium. The function was attended by the General Managers and Dy. General Managers from Head Office and nominated Branch Security Officers from branches of Mumbai North, Mumbai South and Navi Mumbai Zones.

The Executive Director in his inaugural address emphasized on the need for security awareness amongst the staff and in this context gave a slogan of - ‘Jaagte Raho. Jagaate Raho.’

The inaugural function was followed by Sessions on Security Awareness, Fire Safety, etc. which was attended by 85 Branch Security Officers of Branches of above mentioned Zones. During the

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Shri B P Sharma. The Security Heads and CISOs from Banks, private organizations and the Ex-Commissioner of Police and ATS Chief, Shri K P Raghuvanshi, IPS, participated in the Panel Discussions on some of the very relevant topics like – Mass Surveillance, Integrative & Intelligence driven Security, Building Smarter & Safer Cities, etc. Stalls displaying security products like, CCTVs, Cash Safe & Cash Bag Alarms, and Remote Monitoring/e-surveillance were A 2-hour programme on Fire & Personal also established by the vendors.

Safety was organized for staff of Head Office. The guest speakers explained In addition, Online Security Quiz for all the precautions required to be taken for staff members was conducted NBG Wise preventing fire at work place and at home. and the response was quite good. The Symposium on Security was organized first edition of Quarterly e-newsletter

by M/s Securanz. The programme was ‘SecurityNet’ was also launched at the inaugurated by the Executive Director hands of GM Shri S R Meena. week workshop on Security for Cashiers was conducted, in which the emphasis was given on the security of cash inside the cash cabins. 71 Cashiers attended the programme. Also, the participants were given demonstration of various security gadgets like Burglar Alarm, Fire Alarm, CCTVs and Auto-dialers. Handling & Operation of Fire extinguishers and Sprinklers was also explained and demonstrated.

peveJejer-petve, 2016

SOCIAL CAUSE

Changing Lives, Building Future Despite being close to the city of Mumbai (hardly 28 kms from Kasara Ghat) this tribal village does not have continuous electricity. Our Bank sponsored the solar installation under the CSR scheme

W

akhadpada is a small tribal village hamlet in Mokhada taluka in Thane district. It is around 103 kms from Thane and surrounded by Jawahar taluka towards west, Trimbak taluka towards east Igatpuri towards south and Vikramgad taluka towards west. Twenty three years back Mumbai & Goa unit decided to adopt the local zilla parishad school here and the gesture has been carried forward by till today.

Soon our Bank’s Wakhadpada branch was opened near this school and the Association placed its deposit at this branch initially as a goodwill gesture.

Every year the school children are provided books, pencils, uniform, raincoats, etc. during the opening of academic year in June and during the Diwali festival crackers and sweets are distributed to over 230 students

studying in this school. The M&G Unit has been carrying on this social activity all these years. Some of the officers have undertaken to bear the educational expenses of some orphaned students.

Despite being close to the city of Mumbai (hardly 28 kms from Kasara ghat) this tribal village does not have continuous electricity. Recently the process of providing Solar panel kit was undertaken at Bank Level. Our Bank was kind enough to sponsor the solar installation under the CSR scheme. Today all the 8 classrooms of this school are provided with fans and light and the school children are delighted about this. The school teachers are putting in their effort and are planning to make the school/village Digital. The local panchayat has provided the school with a projector, and the school teachers are making all out efforts to use the solar

Taarangan

electricity to further develop the school and also the village. A small gesture of providing solar power is creating a sort of revolution in this tribal village. Recently, Zonal Manager NMZ Shri G H Sarangi alongwith his wife and association representatives visited the school and distributed school Bags, Unifrom and Books to the needy students. A lot needs to be done still and lot of things can be done. Our efforts to bring smile on the face of the school children in particular and the villagers in general will continue.

Ashok Pai BPR, HO

January-June 2016

75

¨¸¸í ¤¸ ¸¸½¿ / ¤¸š¸¸ƒÄ

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Rahul S/o Shri Dileep B Bandekar Bambolim Branch Goa Zone Passed (12th Exam) 92.33% (Goa Board)

Ashish S/o Smt. Smita Ravichandran Rao Resource Mobilization Dept., HO 10th (ICSE) 97.33%

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‚¿¢ˆÅ÷¸¸ Thampy John MG Cochin Branch Kerala Zone 10th (CBSE) Grade A1

¬¸ºœ¸º°¸ú ªú £¢¨¸œÏˆÅ¸©¸ £¸Ÿ¸’½ˆ½Å ¬¸©¸¬°¸ £®¸ˆÅ ›¸¸Š¸œ¸º£ Ÿ¸º‰¡¸ ©¸¸‰¸¸, ›¸¸Š¸œ¸º£ ‚¿ ¸¥¸ ¸¡¸œ¸º£ Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ 46¨¸Ê £¸«’ïú¡¸ ‰¸½¥¸ˆ»Å™ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ ¨¸«¸Ä 2015 ÷¸¼÷¸ú¡¸ ¬˜¸¸›¸

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D/o Smt. Swati NBG (W-1), Mumbai 10th 86%

Sanjana D/o Shri S Chandrashekhar CM, OL Dept. HO. 10th (CBSE) CGPA -10 76

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State University of New York at Buffalo

Sidhesh S/o Ujwala V Mhatre C&IC Dept., HO. MS (Information Assurance)

Miss Sneha, D/o Mr. Mahesh Jagiasi, Staff Officer, Buty More Branch.

Represented India in the contest of Miss Tourism India 2015-16 held in Malaysia and winner of Best Personality Award.

Pallak D/o Shri Ved Prakash Senior Manager Compliance Dept, HO Passed (10th Exam) 93.20% (ICSE)

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Pratik S/o Mrs. Pallavi P Chavan CDR Cell, Head Office M.S (Computer Sc. & Eng.)

¬¸ºœ¸º°¸ú ªú £¢¨¸œÏˆÅ¸©¸ £¸Ÿ¸’½ˆ½Å ¬¸©¸¬°¸ £®¸ˆÅ ›¸¸Š¸œ¸º£ Ÿ¸º‰¡¸ ©¸¸‰¸¸, ›¸¸Š¸œ¸º£ ‚¿ ¸¥¸ ¥¸‰¸›¸… Ÿ¸Ê ‚¸¡¸¸½¢ ¸÷¸ 46¨¸Ê £¸«’ïú¡¸ ‰¸½¥¸ˆ»Å™ œÏ¢÷¸¡¸¸½¢Š¸÷¸¸ ¨¸«¸Ä 2015 ÷¸¼÷¸ú¡¸ ¬˜¸¸›¸ ™½¨¸¸¬¸ ©¸¸‰¸¸ ˆÅú ¬’¸ÁûÅ ¬¸™¬¡¸ ªúŸ¸÷¸ú Ÿ¸š¸º „ƒˆ½Å ˆ½Å ¬¸ºœ¸º°¸ Ÿ¸¸¬’£ ™½¨¸¸¿©¸ „ƒˆ½Å ›¸½ longest martial arts marathon in a relay Ÿ¸Ê ¢í¬¬¸¸ ¥¸½÷¸½ íº‡ Š¸¸½¥”›¸ ¤¸ºˆÅ ‚¸ÁûÅ ¨¸¥”Ä ¢£ˆÅ¸”Ä Ÿ¸Ê Certificate of Excellence œÏ¸œ÷¸ ¢ˆÅ¡¸¸ í¾—

Sai Krripa ƒÄŸ¸¸›¸™¸£ú D/o Shri K S B

Chandramouli CM, NBG (J&C) Runners up in State Level Table Tennis Championship, Jharkhand in CADET Girls’.

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D/O Shri S M Phadke Company Secretary & Compliance Officer BOI Merchant Banker Ltd. Silver Medal Bal 'Vaidnyanik' in Science Talent Search competition Aayushi D/o Rajeev Kumar Sinha, Staff Officer, ZO Winner of SOF6th International English Olympiad.

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Shri S M Phadke

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Company Secretary & Compliance Officer BOI Merchant Banker Ltd. Inter Bank Hindi Essay Competition Second Prize conducted by Dena Bank

Shri Ajay Xess

Chief Manager HR Department, HO (Passed JAIIB)

Shri K Vasudevan

Senior Manager Zonal Office, Bhopal 2nd position, MP Power Lifting Competition Organized by Dept. of Youth & Sports, Govt. of Madhya Pradesh

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Ms. Pooja

D/o Mrs. Nandini Parulekar, Malad (West) Branch

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„œ¸¡¸ÄºÆ÷¸ ¬’¸ûÅ-¬¸™¬¡¸ /ŠÏ¸íˆÅ ›¸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

Taarangan

Passed CIMA in first Division and is working in London. While studying CIMA she learned advanced photography, still photography in London & achieved 12 awards in professional photography in London. The pictures clicked by her can be seen at INSTAGRAM-PEPPYHERE.

January-June 2016

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Anger has the potential to take a toll on our health causing needless hypertension and cardiac arrest. ANGER is just one letter short of the word DANGER. Few vital tips to control anger are well illustrated.

Training of manpower has assumed greater importance in the changed scenario (Training & Development). Human Resource Management and Development is central to public administration. Technology has revolutionized the way the business of banking is being carried out today “Emerging banks in our country”. Besides creating an enabling environment for speedier customer service it has also helped in cutting the transaction costs.

Technology has in a way redefined banking and customer service in a big way. Thaipusam @ Singapore takes the glorious culture of India beyond the boundaries. Great efforts by the Taarangan Team. Keep it up.

Srinivasan Umashankar Bank of Maharashtra, Nagpur.

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

Bank of India’s Quarterly House Journal December, 2015

÷¸¸£¸¿Š¸µ¸ œ¸¢°¸ˆÅ¸ ˆÅ¸ ¢™¬¸¿¤¸£ 2015 ˆÅ¸ ‚¿ˆÅ œÏ¸œ÷¸ íº‚¸— ퟸ½©¸¸ ˆÅú ÷¸£í ƒ¬¸ ¤¸¸£ ž¸ú `÷¸¸£¸¿Š¸µ¸' ƒ¬¸ ¤¸¸÷¸ ˆÅú œÏ÷¸ú÷¸ú ˆÅ£¸÷¸ú í¾ ¢ˆÅ ¡¸í ¢ˆÅ¬¸ú ˆ½Å ¬¸œ¸›¸½ ˆÅ¸½ ¬¸¸ˆÅ¸£ ˆÅ£ £íú í¾, ¡¸í œ¸¢°¸ˆÅ¸ ›¸ ˆ½Å¨¸¥¸ ¢¬¸÷¸¸£¸Ê ˆ½Å œÏ¸¿Š¸µ¸ Ÿ¸Ê ÇÅú”õ¸ ˆÅ£÷¸½ íº‡ œ¸º£¬ˆÅ¸£ œÏ¸œ÷¸ ˆÅ£ £íú í¾ ¤¸¦¥ˆÅ ƒ¬¸ œ¸¢°¸ˆÅ¸ ˆÅ¸½ ¬¸¿¨¸¸£›¸½ ¨¸¸¥¸½, ¬¸¿¡¸¸½ ¸›¸ˆÅ÷¸¸Ä ‡¨¸¿ £ ¸›¸¸ˆÅ¸£¸Ê ˆ½Å ¬¸œ¸›¸¸Ê ˆÅú œ¸í ¸¸›¸ í¾— „›¸ˆÅú œÏ¢÷¸ž¸¸ ˆÅ¸ ™œ¸Äµ¸ í¾— `‚÷¸º¥¡¸ ‚¢¨¸£¥¸ ¬¨¸³Åœ¸ ˆÅú ¢ûÅ£ ¬¨¸¸¢Ÿ¸›¸ú í¸½' ¸¾¬¸½ œ¸¿¢Æ÷¸ ˆ½Å ¬¸¸˜¸ Ÿ¸¸½®¸™¸¢¡¸›¸ú Š¸¿Š¸¸ œ¸£ ˆÊÅ¢Í÷¸ œ¸¿¢Æ÷¸¡¸¸ ¬¸Ÿ¸ˆÅ¸¥¸ú›¸ œ¸¢£¦¬˜¸¢÷¸ œ¸£ œÏˆÅ¸©¸ ”¸¥¸›¸½ ¨¸¸¥¸ú í¾, œÏ¬÷¸º÷¸ œ¸¿¢Æ÷¸¡¸¸¿ £ ¸›¸¸ˆÅ¸£ ˆÅú ‚¨¸¬˜¸¸ ¬¸½ ¡¸¸™¸ œ¸¢£œ¸Æ¨¸ ›¸ ¸£ ‚¸ £íú í¾— ƒ¬¸ˆÅú £ ¸¢¡¸÷¸¸ ˆÅ¸½ ©¸ºž¸ˆÅ¸Ÿ¸›¸¸‡¿— £¸ ¡¸ ¬÷¸£ú¡¸ ¤¸ÿˆÅ¬¸Ä ¬¸¢Ÿ¸¢÷¸, ¸¸£‰¸¿” ‡¨¸¿ ¬¸¸Ÿ¸¸¢ ¸ˆÅ ¬¸£¸½ˆÅ¸£ œ¸£ ˆÊÅ¢Í÷¸ ‚¸¥¸½‰¸ ¬¸» ¸›¸¸œ¸£ˆÅ í¾— ‚›¡¸ ‚¸¥¸½‰¸ ž¸ú ±¸¸›¸¨¸š¸ÄˆÅ í¾—' í¾ ¢ûÅ÷¸£÷¸ ‚¸¿¢š¸¡¸¸Ê ˆÅú ÷¸¸½ £íÊ ¨¸¸½ Ÿ¸º‰¸¸¢¥¸ûÅ, Ÿ¸¾›¸½ ¢ ¸£¸Š¸¸Ê ¬¸½ ¸¥¸÷¸½ £í›¸½ ˆÅ¸ íº›¸£ ¬¸ú‰¸¸ í¾—'' ¢›¸ä¸¡¸ íú ÷¸¸¢£ˆöÅ Ÿ¸¬¸»™ ˆÅú ˆÅ¥¸Ÿ¸ ¬¸½ ¸¸½ ©¸¸¡¸£ú ‚¸ƒÄ í¾ ¨¸¸½ ¢ˆÅ¬¸ú ƒ¿ˆÅ¥¸¸¤¸ ˆÅú ‚¸¨¸¸ ¸ í¾, ‡½¬¸½ ƒ¿ˆÅ¥¸¸¤¸ ˆÅú ¸¸½ Ÿ¸º›÷¸¢ ¸£ í¾ {¸Ÿ¸¸›¸½ ¬¸½ ¤¸™¥¸¸¨¸ ˆÅú, ‚œ¸›¸½ œ¸í ¸¸›¸ ˆÅú— íº›¸£ ‚¸¾£ œÏ¢÷¸ž¸¸ ˆÅ¸½ ¬¸¿¨¸¸£›¸½ Ÿ¸½ ¬¸™¾¨¸ ¬¸½ íú ÷¸¸£¸¿Š¸µ¸ ›¸½ ‚œ¸›¸½ £ ¸›¸¸ˆÅ¸£¸Ê ˆÅú £ ¸›¸¸š¸¢Ÿ¸Ä÷¸¸ ˆÅ¸½ ¬¸£¸í¸ í¾, ‡ˆÅ Ÿ¸¿ ¸ œÏ™¸›¸ ˆÅú í¾ ¸¸½ ¢ˆÅ ¬¸¿œ¸¸™ˆÅ Ÿ¸¿”¥¸ ˆ½Å ‚œ¸›¸½ ˆÅ¸¡¸Ä ˆ½Å œÏ¢÷¸ ¬¸Ÿ¸œ¸Äµ¸ ‚¸¾£ ¢›¸«“¸ ˆÅ¸ œÏ÷¸úˆÅ í¾ ÷¸¸£¸¿Š¸µ¸ ¡¸»¿ íú œ¸º£¬ˆÅ¸£ ˆ½Å ›¸‡ ‚¸¡¸¸Ÿ¸ ÷¸¡¸ ˆÅ£÷¸ú £í½ Æ¡¸¸Ê¢ˆÅ ¢ ¸¬¸ ÷¸£í ¬¸½ ƒ¬¸ˆ½Å ˆÅ¥¸½¨¸£ Ÿ¸½ ‚¸©¸¸÷¸ú÷¸ ¬¸ºš¸¸£ ‚¸¡¸¸ í¾, ¨¸í ¢›¸À¬¸¿™½í íú ¬¸£¸í›¸ú¡¸ í¾, ¨¸¿™›¸ú¡¸ í¾— ©¸ºž¸ˆÅ¸Ÿ¸›¸¸‚¸Ê ¬¸¢í÷¸ £ ¸›¸ú©¸ ¡¸¸™¨¸ œÏ¤¸¿š¸ˆÅ £¸ ¸ž¸¸«¸¸ ¬’½’ ¤¸ÿˆÅ ‚¸ÁûÅ ¤¸úˆÅ¸›¸½£ ‡¿” ¸¡¸œ¸º£ ˆÅ¸½’¸ ‚¿ ¸¥¸, ˆÅ¸½’¸

Congratulations for your wonderful issue. I am extremely grateful to you for mailing me a copy of Taarangan December 2015 issue. The efforts of the editorial team needs appreciation and approbation from all quarters. I particularly relished in articles on aspects of credit appraisalMSME Audit-Operation Perspective and MD's Message focus of War on NPAs. What impressed me most was excellent printing, best designing, informative and educative articles.

All appreciation for National Award PRSI. Prof Ramachandran, General Manager (Retd.), Bangalore

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peveJejer-petve, 2016

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