Taarangan March 2019 Edition

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Bank of India’s Quarterly House Journal March, 2019

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CONTENT

08

Closure of accounts under One Time Settlement (OTS) of the farmers under distress from Pune and Varanasi Zone with the help of Legendary and renowned Super Star Shri Amitabh Bachchan.

07 ‰¸¸¬¸-‰¸¸¬¸ 13 Important Activities 14 113 Foundation Day 16 ˆÅ¥¡¸¸μ¸ˆÅ¸£ú Š¸¢÷¸¢¨¸¢š¸¡¸¸Â 22 k ܦ Î l q | 24 Leadership in Crises and Failures 28 Predictive Analytics the case th

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Procurement of Goods & Services by Bank’s Process of Tendering/RFP.

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d k à ÎÛ § " i| } Ûi | i ã · j ¦ f}

38

Communication Skills `Which is the most important skill a person should have?'

My answer without any hesitation would be `Communication Skill'.

study of Goa Zone.

48

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American Dream 20 The

26

From Joy are born all creatures, by joy they grow and to joy they return.

ABCI

ĂŁÂ™Â™Â„Ă˜Â™ Â?™„jŒ™„ jΪ f}™¨Œ€™ (A Government of India Undertaking) …™Â&#x; jÂŚ d™¢}™×å e ƒv‚™™ jÂŚĂ› ÂƒÂ¸ĂŁÂ™Â™ÂŒÂ™Ă› ÂƒĂ˜Â™Â€Â™Â™ĂŽĂ› l™Â?ĂŽ}™ƒ‘™jΪ A Quarterly Bilingual House Journal of Bank of India

d jŒ €™™o™¼ Volume: March 2019

42

Navratri Festival Symbolize People's Cultural, Social and Regious Aspirations

44

…™à jŒ™ž €™ž l°™ÎjŒ �™ž‰™™ �™ž ¨¥¸¨¸¸¸¥¸ ¨¸Ÿ¢Ö

45 48 50 52

Awards

53 54 56 57 58 60

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Editorial Board

€™Â?Ă˜Â‚Â™Â›Â q™‚™ j›Œ€™™„ l™›}Ă˜Â™Â™

€™Î™}°…™ {™jŒ Mrityunjay Kumar Gupta General Manager

Š™ jŒ„z™Â?™ l™›}Ă˜Â™Â™

€™Î™}°…™ {™jŒ Shankardas Gupta General Manager

„™q™j›Œ€™™„ ƒÂ?™ Î o™™Â&#x;Ι|™ €™Î™}°…™ {™jÂŚ Rajkumar Singh Chouhan

Â?‰™oâ Â?‰™Â?y™ d™Â&#x;„ f||Â™Ă˜Â™ ĂŁÂ™Â™Â„Ă˜Â™

General Manager

Life is the most Precious Gift of God - Adore it

Â?Â™Â„Ă˜Â™Â™q™ €™™ž Š™jŒÛ†™

ÂƒĂŽÂ zĂ› ƒz‰™Â?™

IMPACT OF NPAs ON BANK

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|™žŠ™|™†™ Â…Â™Ă Âƒj Œl™ Â?Â™Â€Â™ÂœĂŽ fĂ?™„

|™žŠ™|™†™ Â…Â™Ă Âƒj Œl™ Â?Â™Â€Â™ÂœĂŽ }™ƒŠo™€™

40

�™ }™™zjŒ Sartaj Mohd. Shakeel Editor

The initiative has generated lot of curiosity in the banking industry and many banks are also following our method.

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Bank of India’s Quarterly House Journal March, 2019

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|™žŠ™|™†™ Â…Â™Ă Âƒj Œl™ Â?Â™Â€Â™ÂœĂŽ }™ƒŠo™€™

Fontainhas

18

This area is a must see on a lazy afternoon to complete your tour of Goa. It will give you the old world flavour and a sense of diverse history our great country has acquired over the years.

ĂŁÂ™Â™Â„Ă˜Â™ ˆ½Å ¢¼¸‥

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|™žŠ™|™†™ Â…Â™Ă Âƒj Œl™ Â?Â™Â€Â™ÂœĂŽ r™™ i‰™ â

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Gramin Bank of Aryavart Quarterly Round -up.

64 66 67

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ĂŽÂƒÂ„Ă˜Â™ ƒ‰™Ă?™ …™™^™™„ 46

1; >71 *;º ? ,?Î > 0| ,G 4G >| 0| 1‹& ?7 >2 . Ŋ ;>|_ Printed, Published and Edited by S M Shakeel on behalf of Bank of India, Published IURP +HDG 2I¿FH 6WDU +RXVH * * %ORFN 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.

~¹†š¥|š „}š{Â&#x;‹šj§ iŠš¥  šœkƒš jÂ§ÂšÂƒÂšÂŚjÂ§ÂšÂ…Ăœ d„|šjÂ§ÂšÂ…Ăœ Managing Director & Chief Executive Officer

Now our ou ur motto is qualitative q growth gro owth in the Advances Advan nces and have targeted targete to disburse additional ` 40,000 to ` 50,000 crore during the year to move to ORBIT Next.

ƒ}°‚™ Â?™™ƒy™‚™™ ƒ}°‚™ Â?™™ƒy™‚™™

Dear Colleagues,

Â?™‰™¼}°y™€™ °y™€™ €™à d™}™ d™}™ Â?™ã™Û Â?™ã™Û jŒ™ž d™}™jžŒ ¸™„™ ¸™„™ ƒjÂŚi ƒjÂŚi l™i l™i d|Â™Â‰Â™Â„Ă˜Â™ d|Â™Â‰Â™Â„Ă˜Â™ }°‚™™Â?™™ Â?™Î‚™™ž Â?™Î‚™™žl™™ i‰™ i‰™ …™ƒ†™z™|™™ jžŒ ƒ†™i ĂŽÂ™ÂƒzÂĽ ƒ†™i ĂŽÂ™ÂƒzÂĽjÂŚÂŚ …™{™™eÂĽ …™{™™eÂĽ zÂžĂ˜Â™Â™Â™Â™ ĂŽÂœĂŽÂœÂŁ d™Â&#x;„ Â?™„™Î|™™ Â?™„™Î|™™ ã™Û ã™Û jÂŚÂ„Ă˜Â™Â™ jÂŚÂ„Ă˜Â™Â™ ĂŽÂœÂŁ ƒq™Â?™jžŒ jŒ™„–™ jŒ™„–™ ΀™™„™ ΀™™„™ …™à jÂŚÂŚ €™™o™¼ ƒ‰™Ă?™Û‚™

ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ

jŒ™ž Â?™€™™}Ă˜Â™ Â?™€™™}Ă˜Â™ ÂƒĂ˜Â™Â€Â™Â™ĂŽĂ› ÂƒĂ˜Â™Â€Â™Â™ĂŽĂ› €™ `

jŒ„™žvĂ– jΪ Š™›¡ †™™ã™ z^™¼ †™™ã™ z^™¼ jŒ„|™ž €™ Â?Â™ĂœÂŚÂ†Â™ jΪ Š™› Â?Â™ĂœÂŚÂ†Â™ ΛΛd™™ ĂŽÂ&#x;ĂŽÂ&#x; q™™ž }°Â?™ l™‰™Š™ ™‰™Š™ „™ŒtĂ?ۂ™jÂ?ÂŚĂ˜Â™Ă˜Â™ …™à …™à jŒ™ €™ Â?™…™Â?™ž dƒ{™jÂŚ ΀™ Â‰Â™Ă˜Â™ÂĽÂ€Â™Â™|™ ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ dƒ{™jÂŚ ĂŽÂ&#x;ĂŽÂ&#x;x ΀™ Â‰Â™Ă˜Â™ÂĽ ™™|™ ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ

jÂŚĂ› }°y™€™ ÂƒĂ˜Â™Â€Â™Â™ĂŽĂ› €™

jÂŚĂ› }°y™€™ ÂƒĂ˜Â™Â€Â™Â™ĂŽĂ› €™ ĂŽĂ d™Â&#x;„ ΀™|™ž ΀™|™ž d™l™™€™Û ÂƒĂ˜Â™Â€Â™Â™ÂƒĂŽÂ‚Â™Â™ÂŤ d™l™™€™Û ÂƒĂ˜Â™Â€Â™Â™ÂƒĂŽÂ‚Â™Â™ÂŤ ĂŽĂ› „ž„žk™™ ƒjjÂŚĂ˜Â™ jŒ„ zĂ› ĂŽĂ jžŒ ƒ†™i Â…Â™Ă ÂƒÂ†Â™i …™à jÂŚÂŚ jÂŚĂ› }°™y™ƒ€™jÂŚĂ˜Â™Â™i jÂŚĂ› }°™y™ƒ€™jÂŚĂ˜Â™Â™i }™Î†™ž ĂŽĂ› Ă˜Â™ jŒ„ zĂ› ĂŽĂ oÂ™Ă˜Â™ ã™Û ƒjŒ‚™™ l™‚™™ ĂŽÂ&#x; ÂƒÂ‰Â™Ă‡Â™Â™Â?™ ĂŽÂ&#x;ĂŽÂ&#x; d™Â&#x;„ d™}™ Â?™ã™Û jŒ™ž d™}™ Â?™ã™Û jŒ™ž Â?™œƒoÂ™Ă˜Â™ ã™Û ƒjŒ‚™™ l™‚™™ ĂŽÂ&#x;x €™›€™›r™ž ÂƒÂ‰Â™Ă‡Â™Â™Â?™ ƒjÂŚ d™}™|™ž ™™„ †™Â?‚™™ }°™}Ă˜Â™ jŒ„|™ž ƒjÂŚ d™}™|™ž Ă˜Â™z¤|™›Â?™™„ †™Â?‚™™ jŒ™ž }°™}Ă˜Â™ jŒ„|™ž jžŒ ƒ†™i Â?™€™‚™…™¡ ƒ†™i Â?™€™‚™…™¡ ™|™™ iÂ‰Â™Â Â™Ă›ÂƒĂ˜Â™ …™|™™ †™Û ɞ ™Ûx ‚™™žq™|™™ i‰™ jŒ™‚™¼|Â™Ă›ÂƒĂ˜Â™ …™|™™ †™Û ɞl™Ûx

At the outset, let me congratulate and compliment each one of you for your relentless efforts, FRQWULEXWLRQ DQG VDFULÀFHV GXH WR ZKLFK EDQN KDV FRQWULEXWLRQ DQG VDFULÀFHV GXH WR ZKLFK EDQN KDV EHHQ DEOH WR SRVW D QHW SURÀW RI ` 252cr. for the quarter ended March 2019 (FY 2018-19) which is incidentally the highest among nationalized Banks. :H DUH QRZ LQ WKH ÀUVW TXDUWHU RI WKH FXUUHQW ÀQDQFLDO \HDU DQG KDYH DOUHDG\ RXWOLQHG ÀQDQFLDO \HDU DQG KDYH DOUHDG\ RXWOLQHG and conveyed the priorities of the bank for the ensuing quarters. I am sure that you all would be planning, strategizing accordingly to achieve the coveted goals.

ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ €™ …™à jÂŚ ÂŚ |™ž i|™}™Ûi ƒ‰™Ă?™Û‚™ i|™}™Ûi €™ €™™o™¼ jÂŚĂ› jÂŚĂ› jÂŚĂ› Ă˜Â™Â›

jÂŚĂ› Ă˜Â™Â›Â†Â™|™™ €™ ™|™™ €™ €™™o™¼ €™ €™ jΪ Â?™› jΪ Â?™›{™™„ ƒjŒ‚™™ ĂŽÂ&#x; ™™„ ƒjŒ‚™™ ĂŽÂ&#x;x eÂ?™Û }°jŒ™„ j› eÂ?™Û }°jŒ™„ j›Œ†™ i|™}™Ûi ã™Û €™™o™¼ †™ i|™}™Ûi ã™Û €™™o™¼ jž jžŒ jÂŚĂ› Ă˜Â™Â› jÂŚĂ› Ă˜Â™Â›Â†Â™|™™ ™|™™ m™tjŒ„ €™™o™¼ €™€™ Λ €™ m™tjŒ„ €™™o™¼ Λd™ ĂŽÂ&#x; ™ ĂŽÂ&#x;x ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ

΀™™„™ †™Â?‚™ j› †™ i|™}™Ûi jŒ™ž jžjžŒ |™Ûo™ž †™™|™™ ĂŽÂ&#x;ĂŽÂ&#x;x ΀™™„™ €™ ΀™™„™ †™Â?‚™ j›Œ†™ i|™}™Ûi jŒ™ž |™Ûo™ž †™™|™™ ΀™™„™ jΪÂ?™™ €™™o™¼ €™€™ …™cĂ–jŒ„ ɞ €™€™ jΪÂ?™™ €™™o™¼ Œ„ ɞ l™‚™™ ĂŽÂ&#x; l™‚™™ ĂŽÂ&#x; q™™ž €™™o™¼ y™™x d…™ ΀™™„™ †™Â?‚™ dƒl°€™™

y™™x d…™ ΀™™„™ †™Â?‚™ dƒl°€™™ €™ lÂ™Â›Â–Â™Â™Ă˜Â€Â™jÂŚ ‰™Â? Â™Â™Ă˜Â€Â™jÂŚ ‰™Â?ÂƒÂˇ jŒ„|™™ ¡ jŒ„|™™ eÂ?™ Â‰Â™ÂŒÂ™ÂĽ i‰™ eÂ?™ Â‰Â™ÂŒÂ™ÂĽ dš£…„†št }šÂ&#x;¨Žt €™ ÂŽt €™ q™™|™ž jžŒ ƒ†™i ƒ†™i ` Â?™ž Â?™ž ` jŒ„™ž jŒ„™žvĂ– jΪ dƒl°€™ ÂƒÂ‰Â™Ă˜Â™Â„Â–Â™ jŒ„|™™ ĂŽÂ&#x; jΪ dƒl°€™ ÂƒÂ‰Â™Ă˜Â™Â„Â–Â™ jŒ„|™™ ĂŽÂ&#x;x

4

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During FY 2018-19, Bank improved its net NPA position from 8.26% in March 2018 to 5.61% in March 2019 and similarly, Gross NPA reduced from 16.58% in March 2018 to 15.83% in March 2019. Our endeavor in the FY 2019-20 will be to bring GNPA below 10%. Our CASA has increased from 41.44% in March 2018 to 43.36% in March 2019. Now our motto is qualitative growth in the Advances and have targeted to disburse additional ` 40,000 to ` 50,000 crore during the year to move to ORBIT Next.

¸¿™½Š¸ / MESSAGE

΀™™„ž …™à jÂŚ |™ž Â‰Â™Ă˜Â™ÂĽÂ€Â™Â™|™ ƒ‰™Ă?™Û‚™ Â‰Â™ÂŒÂ™ÂĽ jžŒ ƒ†™i o™™„ ƒ€™Š™|™ Š™›”Œ ƒjÂŚi Îà ‚™y™™ Â?™™Â?™jŒ†™ €™ jŒ€™Û i‰™ Â?™ã™Û Â?™ž‘™™ €™ ‡Â?†™}™žq™ jŒ™ž jŒ€™ jŒ„|™ž d™Â&#x;„ {™™žk™™{™vĂ–Ă› jŒ™ž „™žjÂŚ|™ž jžŒ ƒ†™i „ š‹š}š …šÂ&#x;j§zšš šx i|™}™Ûi kÂ™Â™Ă˜Â™Â™ÂŤ jŒ™ž Ά™ jŒ„|™ž d™Â&#x;„ …™t¤t™ kÂ™Â™Ă˜Â™Â™ÂŤ d™ƒz €™ ‰™Â?Â™ÂœÂ†Â™Ă› ¸ºť¸¸£ ˆ½Å ¢¼¸‥ „ š‹š}š Žš šš|šš}š q™™„Û „Ξl™™x ¨Œ™f|™ l°™ÎjŒ™ jŒ™ž doâž Â?䪪lÂ™Ă˜Â™ }°Â?Ă˜Â™Â™Â‰Â™ d™Â&#x;„ Â?™…™Â?™ž 䪪ʉ|™Û‚™ kÂ™Â™Ă˜Â™Â™ÂŤ i€™vĂ›i

}™„ {‚™™|™ jÂŤÂŚÂƒÂŽĂ˜Â™ jŒ„|™ž jžŒ ƒ†™i „ š‹š}š Š§šf}šx Â?™„jŒ™„Û d™Â&#x;„ …™v֞ jΪÂ?™™ kÂ™Â™Ă˜Â™Â™ÂŤ d™ƒz jŒ™ž l°Î–™ jŒ„|™ž jžŒ ƒ†™i „ š‹š}š lÂšÂšĂ¤ÂšĂœ q™™„Û „Ξl™™x €™›r™ž ÂƒÂ‰Â™Ă‡Â™Â™Â?™ ĂŽÂ&#x; ƒjÂŚ d™}™ Â?™ã™Û …™à jÂŚ jŒ™ž |™eÂĽ g o™™eÂĽ }™„ †™ž q™™|™ž jžŒ ƒ†™i „ š‹š}š  ššÂ&#x;v €™ jΪ۪ jŒ„l™žx

Our Bank has launched four missions for the current year viz. Mission Prevention to reduce SASCAL and curtail slippages in all sectors and to prevent frauds. Mission Samadhan will continue with the focus to resolve NPA accounts and recovery in writen-off accounts etc., Mission Crown to tap the crown customers with good welcome offer and focus on Most Desirable Accounts (MDA). Mission GABHI will continue to tap government and Big ticket CASA accounts etc. I am sure each one of you will work in Mission Mode to take the Bank to new height.

΀™ Â?™ã™Û q™™|Â™Ă˜Â™Âž ĂŽĂ ÂƒjÂŚ Â?Â™Â‰Â™ÂĽÂ‹ÂžÂŒu l°™ÎjÂŚ Â?™ž‰™™ Â…Â™Ă Âƒj Œl™ f¾™™žl™ jÂŚĂ› „ÛcĂ– ĂŽÂ&#x;x l°™ÎjŒ™ jÂŚĂ› qÂ™Â”ÂŚÂ„Ă˜Â™Â™ÂŤ jŒ™ž }™œ„™ jŒ„|™ž jžŒ ƒ†™i ΀™™„ž …™à jÂŚ |™ž ĂŁÂ™Â™Â„Ă˜Â™Ă›Â‚Â™ ĂŁÂ™Â™ÂŒÂ™Â™d™ €™ d}™|™Û }šeÂŚ  ššÂ&#x;†šše‡š iÂ&#x;~š Žšœ„Šš|šš jŒ™ž Â?Â™ĂœÂŚÂ†Â™Ă˜Â™Â™}Â™ÂœÂ‰Â™ÂĽjÂŚ }°™„ ã™ ƒjŒ‚™™ ĂŽÂ&#x;x Ι†™ ĂŽĂ› €™ ΀™|™ž h–™ }°Â?™ Â?jŒ„–™ jžŒ ƒ†™i kšœ{…š h—š t †š  ššÂ&#x;†šše‡š iˆ~‡šjÂ&#x;§‹š}š jÂ§Ă¤ÂšĂœ Ă¤ÂšĂœ j§Ă?ĂœÂĄ Ă¤ÂšĂœ Š™›”Œ jÂŚĂ› ĂŽÂ&#x;x ΀™|™ž Ă˜Â™jÂŚ|™ÛjÂŚ }™Â?™ z l°™ÎjŒ™ jžŒ ƒ†™i foo™Â?Ă˜Â™Â„Ă›Â‚Â™ ƒvƒq™t†™ Â?™ž‰™™d™ jžŒ Â?™™y™ j›Œâ o™›ƒ|™ z™ Š™™k™™d™ jŒ™ž ÂŽtš… „vqÂšĂœ Š™™k™™d™ jžŒ ”Œ}™ €™ Š™›”Œ ƒjŒ‚™™ ĂŽÂ&#x;x l°™ÎjŒ™ jŒ™ž Â?™Îq™ ƒvƒq™t†™ d|™›ã™‰™ }°z™|™ jŒ„|™ž jžŒ ƒ†™i …™à jÂŚ jÂŚĂ› ‰™ž…™Â?™™et jŒ™ž |™‚™™ ”Œ}™ ƒz‚™™ l™‚™™ ĂŽÂ&#x;x ΀™ j§šlš^š…„Ă?ٚ  šš}šŠš Žš¥Žšš|š}š jÂŚĂ› d™ž„ dl°Â?™„ ĂŽĂ d™Â&#x;„ }™Î†™ž ĂŽĂ› io™d™„i€™iÂ?™ €™ jÂŚeÂĽ |™eÂĽ }™Î†™ jŒ„ o™›jžŒ ĂŽĂ x €™›r™ž }°Â?™||Â™Ă˜Â™Â™ ĂŽÂ&#x; …™à jÂŚ jžŒ ‰™ Â?y™™}™|™™ ƒz‰™Â?™ jžŒ d‰™Â?™„ }™„ d|‚™ |™eÂĽ ‰‚™™‰™Â?™™ƒ‚™jÂŚ }™Î†™™ jžŒ Â?™™y™ ĂŽĂ› ΀™™„Û l™Â?ĂŽ}™ƒ‘™jΪ Cٚš…š¥lš—š

jŒ™ž ã™Û io™d™„i€™iÂ?™ }™„ Â?tÂ™ĂœÂŚ Â?™zÂ?‚™™ jŒ™ž ƒvƒq™t†™ ”Œ}™ Â?™ž f}™†™…{™ jŒ„™‚™™ l™‚™™ ĂŽÂ&#x;x

We all know that high end customer service is the backbone of banking Industry. To cater to the needs of customers, our Bank has successfully launched its New Mobile App facility in 11 Indian languages. Recently, we have launched Retail Loan Tab/Mobile Application-Anytime Anywhere for Loan Processing. We have introduced select branches as “Star Digi� branches with high end digitalized services for tech savvy customers.

Bank’s website has been revamped for seamless digital experience for customers. We are moving towards paperless HR and have already introduced new initiatives in HRMS. I am happy that during 113th foundation day besides other new business initiatives, our In-House Journal ‘Taarangan’ has also been made digitally available to the staff members on HRMS.

}°™¢€t t|™¼ d„™f v jžŒ ƒ†™i ijÂŚ …™™„ ÂƒĂœÂŚÂ„ Â?™ž {™|‚™‰™™z zÂžĂ˜Â™Âž Λi €™à d™}™ Â?™ã™Û Â?™ž d}™|™™ doâ™ jΪ۪ q™™„Û „k™|™ž d™Â&#x;„ dš£…„†št }šÂ&#x;¨Žt jžŒ ƒ†™i ΀™™„ž Â?t™„ jÂŚz€™ Â?™›ƒ|Â™ÂƒĂ…Â™Ă˜Â™ jŒ„|™ž jΪ d™l°Î jŒ” Œl™™x d™}™jŒ™ž Â?Â™ĂœÂŚÂ†Â™ ĂŁÂ™ÂƒÂ‰Â™ÂŒÂ‚Â™ jžŒ ƒ†™i Â…Â™ĂŽÂ›Ă˜Â™ Â…Â™ĂŽÂ›Ă˜Â™ Š™›ã™jΪ۪|™™i x

While thanking you once again for the Prompt Turn Around, I would urge each one of you to continue your good work and ensure our STAR moves to ORBIT Next. Wishing you Godspeed and a wonderful time ahead.

€™ l™†™jΪ۪|™™d™ Â?Â™ÂƒĂŽĂ˜Â™

With Warm Greetings.

{Ăœ}š†š¥|šœ  ššÂ&#x;Ă?š~šš’šš

(Dinabandhu Mohapatra)

Taarangan

March, 2019

5

¸¿œ¸¸™ˆÅú¥¸ / EDITORIAL ƒ}°‚™

Dear Readers,

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I am extremely happy to present the latest edition of our In-House Journal ‘Taaranganâ€? to all our eminent readers. I have been with you all from last seven years and deeply touched with your unparalleled VXSSRUW VLJQLĂ€FDQW FRQWULEXWLRQV DQG UHYHUHQFH ZKLFK KDV KHOSHG us to make our In-House Journal No.1 in the Banking Sector.

You will appreciate that the times are changing at a very fast pace and with the rapid expansion of digital media in the Bank particularly social media platform like Facebook, Whatsapp, Instagram, Twitter, YouTube channel and other digital media platforms, which instantly provides information on any of the activities being organized in and around the Bank, the work of printing In-House Journal has truly become challenging and exciting as well.

However, we astutely noticed this change at an early stage and started our Facebook Page of ‘Taarangan’ (https://www.facebook. com/Taarangan/) way back in the year 2011. Keeping in view, the future scenario, we started providing e-copies to our readers. I am glad that our futuristic approach has helped us to keep pace with the changing times. Recently on our Bank’s 113th Foundation Day, our MD&CEO Shri Dinabandhu Mohapatra launched our In-House Journal ‘Taarangan’ on HRMS. We are the ‘First and only Bank’ to have our In-House Journal on social media platform like Facebook and internal digital platform like HRMS apart from StarDesk and BOI Alumni portal. :LWK WKH VLJQLĂ€FDQW VXFFHVV RI RXU ,Q +RXVH )DFHERRN SDJH ‘StarParivar@112’, our serving employees are now able to post their achievements and even views and suggestions on the different VXEMHFWV LQVWDQWO\ 2XU =RQHV DQG RWKHU RIĂ€FHV DUH DOVR XVLQJ WKLV SODWIRUP HIĂ€FLHQWO\ DQG SRVWLQJ DFWLYLWLHV DQG SURJUDPV UHODWHG photos. This has given us a unique opportunity to make our InHouse Journal content wise richer. Now, we have an option to cover limited number of general activities and add more space to very important activities being organized/conducted in the Bank.

The articles published in this edition are apt to the present scenario concerning Banking sector. Apart from banking related articles, we have also included motivational, self – help, travelogue, Knowledge DQG OHDUQLQJ EDVHG DUWLFOHV ZKLFK ZLOO GHÀQLWHO\ KHOS \RX WR ÀQG ideas to balance your professional and personal life. We have an added spice of wonderful poems, which I am sure will make you Happy.

I would like to congratulate all the contributors of this edition and urge all our staff members including retired staff members to contribute some more exciting stuff to make our In-House Journal ‘Super among Supers’.

At the close, I wish you and your families a very Happy and Exciting New Year 2019.

(QMR\ 5HDGLQJ DQG VHQG \RXU IHHGEDFNV DW +HDG2IĂ€FH 7DDUDQJDQ# EDQNRĂ€QGLD FR LQ

(Žš…™ššqš  šÚ Ă?  š{ ‹šj ĂœÂ‡Âš Sartaj Mohd. Shakeel)

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Welcome

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NEW GENERAL MANAGERS

CONGRATULATIONS TO `BOI STARS'

(1st April 2018 - 1st April 2019)

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elevated as Executive Director of Union Bank of India w.e.f. 2.11.2018

elevated as Executive Director of Punjab National Bank w.e.f. 22.01.2019.

Best wishes from BOI Star Parivar WE ARE THANKFUL TO THE EDITORIAL BOARD MEMBERS OF IN-HOUSE JOURNALS TAARANGAN AND BOI VAARTA !

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Best wishes from ‘BOI Parivar’

RETIRED GENERAL MANAGERS (1st April 2018 - 1st April 2019)

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BOI Parivar wishes all Retirees a very Happy, Peaceful, Healthy and Contended Retired Life.

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We are thankful to their valuable contributions as the Editorial Board Committee Members of our In-House Journal "Taarangan" and Hindi Magazine "BOI Vaarta".

Our In-House Jounral won various laurels and awards during their tenure. BOI wishes all members a very Happy and Contented Retired life.

Taarangan

March, 2019

7

S) of the T O ( t n e m le t t e e Time S n O the r e h d it n w u e s t n n o u Z o i c s c a a nd Varan a Closure of e n u P m o fr s distres per Star u farmers under S d e n w o n e r ary and help of Legend

Shri

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PUNE EVENT: n the eve of 113th Foundation Day of our beloved institution under the leadership of our most respected MD & CEO Shri Dinabandhu Mohapatra and the auspicious personality of the living legend Shri Amitabh Bachchan, Mrs. Jaya Bachchan and Shri Kaustub, Joint Secretary Govt. of Maharashtra, a grand function was arranged at Shri Amitabh Bachchan's residence at “Janakâ€? on 06/09/2018 for small and marginal farmers from places like Pune, Nasik, Ahmednagar, Dhule HWF SURYLGHG ZLWK Ă€QDQFLDO DVVLVWDQFH E\ 6KUL $PLWDEK Bachchan to close 353 accounts (having outstanding ` 8.02 &UV LQ ZKLFK 12 '8(6 FHUWLĂ€FDWH WR IDUPHUV ZDV handed over. The function was also graced by the presence of Shri. Ramesh Thakur GM HO (ARD), Shri Vivek Wahi GM HO (Treasury), Shri Amit Roy GM NBG (W-II) Shri. Girish Kumar Singh, ZM Mumbai North Zone & Shri Rajesh Ingle ZM Pune Zone and other executive and EDQNV RIĂ€FLDOV

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VARANASI EVENT: A mega event for the loan waivers of 1398 farmers was organized at one of the premises of legendary and renowned Bollywood Mega Star Shri Amitabh Bachchan along with his daughter Madam Shweta where Top Executives ED Shri Atanu Das, ED Shri C G Chaitanya, GM Shri R C Thakur, GM Shri Brij Lal, ZM MNZ Shri Girish Kumar Singh ZM Varanasi Shri Shankar Sen along with other VWDII PHPEHUV ZHUH SUHVHQW 1R GXHV FHUWLÀFDWH was distributed among the farmers. The Stage was conducted by ZM MNZ Shri Girish Kumar Singh. The event was facilitated

by Shri Pramod Kumar (CM Treasury, HO). The total 1751 distressed accounts of poor & marginal farmers got closed with the contribution of ` 6.07 Crs from Shri Bachchan.

Taarangan

March, 2019

9

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Taarangan

March, 2019

11

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MD & CEO Shri Dinabandhu Mohapatra @ CHENNAI D & CEO Shri Dinabandhu Mohapatra visited Chennai Zone. He visited Chennai RBC South, and East Tambaram branch. Traditional Poorna Kumbam welcome was given to our MD & CEO at RBC South Chennai. He addressed the staff members of RBC South and East Tambaram and motivated the staff members to give their best to bring back the Bank’s past Glory. He asked for commitment from everyone so that Star shines again. He then handed over sanction letter to Home Loan customers. The staff were HQHUJL]HG E\ KLV VSHHFK DQG FRPPLWWHG WR IXOÀOO WKH %DQN·V expectations.

He visited CSI Higher secondary School for Deaf & Dumb, Chennai. He was accompanied by NBG (South) General Manager Shri RK Mitra, Zonal Manager Chennai Shri KV Prakash, the then DZM Chennai Shri SP Singh, BOIOASZ General Secretary Dr V Chidambara Kumar, BOI Staff Union General Secretary Shri PC Sridhar and other executive and 2IÀFLDOV +H ZDV ZHOFRPHG E\ VFKRRO FKLOGUHQ DQG VWDII RI CSI school. He went among the school children and greeted them. He addressed the School children and motivated them.

During his address, he told to Children that they can be an inspiration to other Children. He thanked all Staff members of the School. He handed over a Canon Xerox Machine as a token of love to school on behalf of BOI under the Corporate Social responsibilities. At the end he met the children and distributed sweets and gift. The children were happy and motivated.

MD & CEO also visited NBG (South) and visited Govt GHSDUWPHQWV DQG PHW WRS *RYHUQPHQW RIÀFLDOV +H DOVR felicitated the Girl children at NBG (S), who were adopted by our Bank under the “Beti Bachao, Beti Padhao” Scheme.

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Traditional Poorna Kumbam welcome to Our MD & CEO Shri Dinabandhu Mohapatra at RBC South Chennai, with General Manager NBG(S), Shri RK Mitra, the then DZM Shri SP Singh, Dr V Chidambara Kumar, General Secretary BOIOASZ.

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In the presence of MD & CEO Shri Dinabandhu Mohapatra, GM NBG(S), Shri RK Mitra and ZM Shri K V Prakash handing over the sanction letter to customers at RBC South with then DZM Shri SP Singh, Dr V Chidambara Kumar, General Secretary BOIOASZ, Chief Manager Mrs Dev Sena, RBC (S).

MD & CEO Shri Dinabandhu Mohapatra addressing the Team RBC South with GM NBG(S), Shri RK Mitra and ZM Shri K V Prakash, then DZM Shri SP Singh, Dr V Chidambara Kumar, General Secretary BOIOASZ, Chief Manager Mrs Dev Sena, RBC (S), Branch Manager East Tambaram Branch Shri Harsha Singh.

MD & CEO Shri Dinabandhu Mohapatra welcomed by Shri Harsha Singh, Manager East Tambaram Branch, with Shri RK Mitra, General Manager, NBG(S), Dr V Chidambara Kumar, General Secretary BOIOASZ, Zonal Manager Shri RK Mitra.

Important Activities

MD & CEO VISIT TO CHENNAI CSI HIGHER SECONDARY SCHOOL FOR DEAF & DUMB, CHENNAI

MD & CEO Shri Dinabandhu Mohapatra among the School Children of CSI Higher Secondary School for Deaf & Dumb, Chennai.

MD & CEO Shri Dinabandhu Mohapatra handed over the Canon Xerox Machine to CSI Higher Secondary School for Deaf & Dumb, Chennai

MD & CEO VISIT TO NBG (South)

MD & CEO Shri Dinabandhu Mohapatra meeting with School Children

Felicitation of Girl Children by MD & CEO Shri Dinabandhu Mohapatra at NBG (South) under the “Beti Bachao, Beti Padhao” Scheme..

DONATION TO IHS BY STAR CLUB BHUBANESWAR ON BANK'S FOUNDATION DAY

Shri B P Sharma, Executive Director (Retd.), giving away a Cheque of ` 10,000/- to Director IHS at Bhubaneswar.

Taarangan

March, 2019

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Taarangan

March, 2019

15

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Shri G Padmanabhan, Chairman, BOI during his visit to Kolkata donated various items to girl children under Beti Bachao Beti Padhao program. He also handed over 12 wheel chairs to differently abled persons in presence of GM NBG(E) Shri Abhijit Bose & Howrah Zone ZM Shri S S Dash.

Shri Dinabandhu Mohapatra, MD & CEO, Bank of India during his visit to Kolkata donated a Maruti Omni Van to Niharkana Rehabilitation Centre under Beti Bachao Beti Padhao in the presence of General Manager, NBG East Shri Abhijit Bose and Zonal Manager, Kolkata Zone Shri Radha Kanta Hota.

MD & CEO Shri Dinabandhu Mohapatra along with ZM Shri Prashant Naik, DZM Shri Subhash V Phadate, Staff of Colva, 9DUFD 8WRUGD %UDQFKHV ZLWK EHQHĂ€FLDULHV RI 6WDU $QJHO 6FKHPH

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Niharkana is a Society managed by Ms Kanta Chakraborty who has adopted 20 girl child who had been abandoned by their families. Under her care and tutelage these children have been rehabilitated and come out of the world of begging, drugs and living on the streets. Some of these girls have won gold and silver medals in International Karate Championship.

MD & CEO Shri Dinabandhu Mohapatra along with GM Shri Shankar Prasad, ZM Shri Prashant Naik and members of Goa =RQDO 2IĂ€FH GXULQJ 3DUOLDPHQWDU\ &RPPLWWHH 0HHWLQJ KHOG DW 8WRUGD Goa.

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Taarangan

March, 2019

17

Knowledge Plus

This area is a must see on a lazy afternoon to complete your tour of Goa. It will give you the old ZRUOG Ă DYRXU DQG D VHQVH RI GLYHUVH KLVWRU\ RXU great country has acquired over the years. ndia is a unique place in the world.

This realisation sinks in more, when one is taking a stroll on a lazy Sunday through the back alleys of Panaji, Goa. I was pleasantly surprised to visit this part of Panaji, which had never Ă€JXUHG LQ WKH GLVFXVVLRQ ZLWK DQ\ RI P\ IULHQGV IURP *RD QHLWKHU LW KDG UHĂ HFWHG in any of the tourists ‘must see itineraries’. Even if someone would have told me about the Latin Quarters of Panaji, I would have looked at him or her sceptically. As we all know, Goa was a Portuguese territory in India and has a

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predominantly Portuguese culture in its architecture, food & population.

-XVW DFURVV WKH =RQDO 2IĂ€FH DW 3DWWR Plaza, Panaji; across a small creek (Ourem Creek) there lies this hidden treasure of well-maintained old houses known as ‘Latin Quarters’ or ‘Spanish Quarters’. Located at the foot of the Altinho Hills, this area is bounded on the west by the hills and a spring at the foot of the hill which began to sprout around 1770, from which its name derives. (Fontainhas is Portuguese for “little fountainâ€?.) It is the only area in

Goa where Portuguese is still the main spoken language. It was described by “William Dalrymple� as a “small chunk of Portugal washed up on the shores of the Indian Ocean�.

As the history goes, in the late eighteenth century, a Goan expatriate named ‘Antonio Joao de Sequeira’ established Fontainhas.

His nickname was ‘Mossmikar’ because he had made his wealth while working in Mozambique.

It is said to be patterned along the lines of ‘Bairo Alto’ a district of Lisbon, the Portuguese capital.

The houses in this; now protected area; show total 3RUWXJXHVH LQĂ XHQFH particularly through its architecture. The narrow and picturesque winding streets are reminiscent of the European cities having old villas and buildings.

The houses are maintained spik & span and boast a very colourful presence, just like an obscure Mediterranean city. There is a riot of colours usually associated with Latin American style cities. The bright yellow, green, or blue with pure white stripes for hedges and roofs made of red coloured tiles are a visual delight.

Due to narrow roads and houses built very close by, the Fontainhas had a high population density. Now most of the houses are converted to Guest Houses which are frequented mainly by foreign tourists. There are many art galleries, and some exotic cafes located here.

An evening walk in the by lanes of Fountainhas is a unique experience.

You may come across ladies dressed in traditional European attires sitting on

buildings, some old houses of erstwhile rich IndoPortuguese people are still found here. The Windows of these houses are made up of Mother of Pearl or Mica pieces. The houses of Christians would be having balconies and those of Hindus are with a courtyard.

We were very much impressed by the cleanliness of the houses and enquiries the roofed gallery steps. The colourful à RZHU\ GUHVVHV JLYH D GLIIHUHQW ZRUOG made revealed that, during Portuguese look to them. They would be chatting rule, it was a law that every urban with their neighbours in Portuguese. An resident must paint his house every year old man playing Violin wold be standing after the monsoons; this practice is still at his window and cages of birds hang continued as a tradition and it shows. from the ornate balconies overlooking This area is a must see on a lazy the small red-tiled city square. You will afternoon to complete your tour of Goa. IHHO OLNH ZDWFKLQJ DQ ROG +ROO\ZRRG ÀOP ,W ZLOO JLYH \RX WKH ROG ZRUOG à DYRXU when some very aged people dressed in and a sense of diverse history our great well-pressed linen pants and wearing country has acquired over the years. hats walk out of a tavern and wobbling along the cobbled streets. There are few rundown old cars parked around. Its pure old world charm.

Prashant Jaywant Naik While most aristocrats’ mansions have Zonal Manager, Goa Zone been destroyed to make way for modern

Taarangan

March, 2019

19

Guest Column

THE

AMERICAN From Joy are born all creatures, by joy they grow and to joy they return.

(Taitiriya Upanishad)

orld over American bashers are on the riserightly or wrongly will depend on the perspectives of the people involved. It is possible that 99% of such critics may not have seen the US till date. Hence their views will be similar to those who comment on a book after hearing about it or seeing just the cover page.

Country But those who have seen the US and are having an objective mind will notice the progress made E\ WKDW FRXQWU\ LQ DOO ÀHOGV 7KH uniform development acrosswhatever little the author has seenis truly remarkable. A country that LV ÀYH WLPHV WKH JHRJUDSKLFDO DUHD RI ,QGLD FDQQRW EH GHÀQLWHO\ VHHQ within a fortnight. That does not matter. But having seen some 1000 miles by road, rail, water and air, one can get some impressionistic view of the country. That is being shared here for general information and personal satisfaction.

Going by the dream they are pursuing, the country could reach many milestones.

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DREAM

Moon landing mission in 1969 when 1HLO $UPVWURQJ EHFDPH WKH ÀUVW human being to walk on the Moon surface. That is realizing a dream set by its former Iconic President Late J F Kennedy. No other country could have WKDW GUHDP IXOÀOOHG WLOO GDWH Let us learn to give the credit where it is due. Otherwise underdeveloped countries will only miss the bus again and again. Even after lots of dedicated efforts, catching up with USA will be a far cry and a herculean task for most of the countries in the world. Even the developed western countries lag behind considerably, then what to speak of Asian, African, Latin American, Middle East and other group of countries.

Engineering Excellence To cite one or two engineering marvels ZLOO EH VXIĂ€FLHQW WR KLJKOLJKW WKHLU OHYHO of accomplishments for over a century plus years. The Brooklynn Bridge connecting Manhattan and Brooklynn is a marvel to watch/ recall. The bridge is truly iconic and grand looking as if it is hanging from the sky, with minimum support pillars. The wonderment will go up when one realizes that it was completed in 1870. Can we visualize many countries and their level of development at that point of time?

Another is the Manhattan skyline itself

with numerous skyscrapers, the most VLJQLĂ€FDQW EHLQJ WKH WZR WRZHUV WKDW came up at Ground Zero. Like these there are many monumental structures to highlight, if one continues to list them. That is not attempted and needed here.

Let me end with the two memorials built for the victims of 9/11, human made, most barbaric tragedy of this century, when some 3000 innocents lost their lives and more than 6,000 others injured. Those lost, lost‌ but the government did not buckle under threats posed by such elements all over the world. Instead the country rose up like Phoenix. The town planners have left the foundations of earlier WTC towers vacant and built there a memorable fountain, with ZDWHU à RZLQJ LQWR D KXJH FUDWHU probably conveying to the world at large about the fate and plight of misguided elements, who will only go under again and again. The names of all those lost in the tragedy are placed around the two memorials and looking at them will remind humanity for all time to come about the enormity of the disaster, abysmal depth of human madness and the colossal price of the tragedy for the humanity at large. At the same time the two Iconic new buildings

at Ground Zero also depict the result of human aspirations, dreams, excellence and human triumph- a la American Dream.

People Americans have worked on their dreams over the centuries and worked hard to reach wherever they are today. Countries that are specializing/focusing on taking their citizens through a downward roller coaster- backward and fundamentalist’s leanings- have much to learn from the USA, provided they wish and want to learn. Needless to add that Americans achieved their dreams through Democracy, Design, Dedication, Development, Determination, Delivery and foremost of all Discipline. (Execution and Excellence of the highest order).

Democracy Democracy here in the US is different than the one seen back home. People are

The Future belongs to those who Dream� This is a message one sees at many public places in the USA. This message essentially captures the American spirit in its totality, going by the progress it has made over two centuries till now. Americans are world OHDGHUV LQ PDQ\ ÀHOGV LV ZHOO NQRZQ How they have become that will be ZRUWK D VWXG\ 'HÀQLWHO\ LW LV QRW E\ DQ accident or by chance or fate. well behaved in public, respectful of others rights, space, polite in dealings especially at Malls, parks, roads, trains, boats, hotels, lifts, neighborhoods’ etc., highly disciplined RQ URDGV WUDIÀF DQG HQVXUH SHDFH IRU VHOI and others. Live and let live is their maxim.

Maximum joy to self and least discomfort to others are ensured through their conduct and dealings. That is Democracy in true sense of the term. Not at all making cacophony in one’s life disregarding/disrespecting others fully. Whatever shops the author has visited, WKH FRXQWHU VWDII ZLVKHV FXVWRPHUV ÀUVW ZLWK a warmness, which one misses at many places back home.

Digitization Except in temples the author didn’t see the use of currency at all. Even in the smallest way side shops, digital payments were noticed. Great

OHVVRQV IRU FRXQWULHV ZKR ÀJKW WRRWK DQG QDLO for currency mode for all payments- in total GHÀDQFH WR JRYHUQPHQWDO HIIRUWV GHVLUHV DQG overall progress. American currency carries the maxim- In God We Trust. What can be seen is that the People Trust the Government and vice versa such that a true democracy is at work- of the people, by the people and for the people.

The citizens have taken full responsibility for WKHLU VKDUH RI ZRUN VXFK WKDW RQH ÀQGV XWPRVW discipline at all places, including roads. The WUDIÀF UXOHV DUH IROORZHG QRW ZLWK DQ\ SROLFH around. But they know for certain that any breaking of rules will bring the police pronto DQG LQà XHQFLQJ WKHP FDQQRW VDYH RIIHQGHUV

Cop is just a call away and they are really a call away. That is the trust of the Americans.

That ensures the disciplined life here. No licentiousness is seen or permitted. Rights are not merely insisted up on by citizens, they also shoulder/discharge their responsibility to the nation, diligently/wholeheartedly.

What a contrast from countries where the full time occupation of many is only to oppose the Government at all stages, thinking that the defeat of the policies is the defeat of the Ă HHWLQJ *RYHUQPHQWV 7KH SRRU DQG LOO informed souls do not know that any failure of the Government will be their own failure and disaster in the long run. The old adage, for whom the bell tolls, it tolls for thee - may not be known to billions across the world with limited education, exposure and means. While sitting in the US, some 14000 Kms of distance and over 100 countries separate this Great and most developed country in the world, as of date, from Asia. In the comity of nations while the US is on the top, where are other countries- with billions plus population- in many parameters. Worth a think, is it not???

America truly holds a lesson for underdeveloped countries, that specialize on Bandhs, strikes, violence, disruption, destruction of public / private property and pen down strike for smallest of reasons. The irony is such that today some 1000 plus-orchestrated people can hold even a city like Mumbai to ransom any day/any time and bring it to a total standstill on any issue or non-issue. How can a country progress, when one is not sure whether tomorrow the City is allowed to work and violence at street is the method to settle all scores-personal, political, egoistical, religious, caste/creed,------------? Some states have acquired the dubious distinction for maximum bandhs/strikes year after year. One Guinness record possibly may not be beaten by any one in all time to come. Democracy of a different dimension!!!

Quietude What the author liked during this brief sojourn of a fortnight here is that the place is completely quiet, clean and pristine pure. The air is simply marvelous and the water quality is excellent such that people can directly use tap water. Can we visualize such a situation back home now or in future? The overall scenery reminds the Sabarimala region in Kerala, with extended greenery, valleys, rivers and everything that the nature can give. Having visited places like Darjeeling, Shimla, Ooty, Andaman’s and Hardwar, one is left wondering where all the quietude has gone at such places. The answer is not far to seek.

7KH 86 KDV RQH ÀIWK RI RXU 3RSXODWLRQ DQG ODQG DUHD ÀYH WLPHV PRUH 7KHUH DUH VWULFW policies and enforcement so far and both locals /even immigrants have great love towards the American Flag, country and what it can offer for them. The pride for the nation is evident.

7KH\ KDYH VDFULĂ€FHG PXFK RYHU WKH FHQWXULHV They know the value of freedom, democracy such that they jointly strive to preserve it. In countries where the national pride is lacking and most are trying to increase their numbers, the result will be only an ecological disaster/ despair and application of Malthusian theory today or tomorrow.

One doubt, though, remains- how the Americans must be reaching their Gods, as the Public Address system-loud speaker- is not used/resorted to for that noble purpose at any time - as usually seen at other countries !!!

People, from other parts of the world, who see countries like the US will realize/wonder what could have been possible at home country also and how one misses the good things in life due to the form of democracy/governance, religious dogmas, human policies, backward thinking, illiteracy, ignorance, negativity and self-defeating actions currently prevailing. But let me close this narration on a positive note as begun: “The Future belongs to those who Dream�

Americans are living their Dream. May their Dream lives on forever !!!

Dr. P Balachandran Ex- Dy CEO Philadelphia, USA

Taarangan

March, 2019

21

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Knowledge plus

LEADERSHIP in Crises and Failures

“Every crisis offers the extra desired power”

W M Marston

harat Ratna Dr APJ Abdul Kalam, Former Indian President and popularly known as the father of the country’s military missile program very famously once said that, “when failure occurs, a leader should humbly own it and acknowledge it. When success comes, the leader should again have the humility to give credit to all the people who worked for it. “During the Wharton India Economic Forum in Philadelphia, he narrated an incidence on leadership in crises and failure when he was Project Director for India Space Research Organization’s (ISRO) Satellite Launch

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unfolds higher avenues and goals and failures are learning lessons and much better than inaction. Mahatma Gandhi has once opined, “My imperfections and failures are as much a blessing from God as my successes and my talents and I lay them both at his feet”, therefore striking a balance in phases of success and failure is of paramount importance. Dr Kalam said in an interview, “I have myself gone through many successes and a few failures. And I have also met a number of successful people throughout the world wherever I have gone, and when I discuss with them, they reveal how many problems

times are the crisis mind-set having the capability of perceiving the worst case scenario with simultaneously suggesting numerous probable solutions. These change agents are the real transformatory leaders, who have managed crises and failures and steered their organisations to greater heights. Arnold Schwarzenegger has rightly said, “Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength”.

Danial Goleman, the author of “The Brain and Emotional Intelligence: New

Danial Goleman, the author of “The Brain and Emotional Intelligence: New Insights”, has described the attributes of self-awareness, self-management, social awareness and relationship management, which are crucial for successful leaders. According to Goleman, group performance is determined in good part by their collective IQ but key to high group IQ is emotional intelligence, which fosters the environment of social harmony and performance and here lies the role of proactive leadership.

Vehicle (SLV) and the launch failed due to some fuel related technical issues in 1979.

Prof. Satish Dhawan, being leader and the Chairman of the organization, conducted the scheduled press conference himself and took the responsibility for the failure despite Dr Kalam being the project Director. July 1980 saw the successful launch of the Satellite. The nation was jubilant. Prof Dhawan called Dr Kalam and told, “YOU CONDUCT THE PRESS CONFERENCE TODAY.” Dr Kalam said, “When failure occurred, the leader of the organization owned that failure. When success came, he gave it to his team. The best management lesson I have learned did not come to me from reading a book; it came from that experience”.

Managing success and failure is one of the greatest qualities of the successful leaders.

According to Swami Vivekananda, being unperturbed by the success or failure is the real quality of leader, where success

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they have encountered, what kind of failures they have had. So, I have come to the conclusion that great success has some element of failure also”. The secret of good leadership lies in holistic ownership of the actions with all its negatives and positives. According to Jayson DeMers, failure is the necessary experience if you want to be eventually successful, which is both enlightening and motivating provided it is viewed in the proper perspective of learning.

The role of leadership is of paramount importance for organisational growth and prosperity, which becomes highly pronounced during the phases of crises and failures because these periods offer multifarious opportunities for organic, LQRUJDQLF DQG GLYHUVLÀHG JURZWK DORQJ with high failure probability. Someone has rightly said, “Never mind failures; they are quite natural, they are the beauty of life.”

The real change agents in such testing

Insights”, has described the attributes of self-awareness, self-management, social awareness and relationship management, which are crucial for successful leaders. According to Goleman, group performance is determined in good part by their collective IQ but key to high group IQ is emotional intelligence, which fosters the environment of social harmony and performance and here lies the role of proactive leadership. Jim Collins, the author of “Good to Great”, has described Level Five Leadership as the distinguishing feature of great leaders. These leaders believe in the trinity of “Disciplined People, Disciplined Thought and Disciplined Action” having faith in their people who are ready to face the brutal facts with innovative imagination. Level Five Leaders are highly ambitious for the long term success of their organisations irrespective of their presence at the helm and keep their personal goal secondary in the organisational interest.

Now the million dollar question is how these leadership qualities can be converted into leadership competencies of actionable plan to face the challenges during unprecedented testing times of crises and failures. The actionable plan GHĂ€QHV ZKDW WR GR ZKHUHDV WKH VWUDWHJ\ LV how to do followed by who will do, which will ultimately be judged on executional performance and achievement parameters.

7KH ÀUVW OLQH PDQDJHUV FDQ JHW E\ ZLWKRXW a performance management plan, but can not without the performance leadership attitude. The differentiating leadership competencies are ability to: I - Planning: Planning is proactive thinking in advance considering the anticipated and unanticipated events, for the actions which are going to take place in the future. Thus planning provides various alternatives under emerging scenarios.

IV - Execute: Execution is the last but crucial stage for the success of the plans as it is the delivery point. The role of OHDGHUVKLS LV WZR IROG DW WKLV VWDJH Ă€UVW empowering and motivating the employee and second providing progression opportunities to the employees in the organisational success. The acid test of this stage is inculcating the spirit of “Be the change that you wish to seeâ€? in the employees.

Every leader, in principle, follows the same methodology from planning to execution, but the differentiating results are the product of leadership philosophy and approach. The ability of the leaders to dynamically align the given resources in the best organisational interest in the shortest possible time without disrupting WKH QRUPDO IXQFWLRQLQJ LV WKH NH\ GHĂ€QLQJ quality of performance leadership, which creates the environment of fostering high performance.

Indian Public Sector Banks (PSB) are passing through

This is the crucial stage where visionary DQG FRXUDJHRXV OHDGHUVKLS FDQ UHGHĂ€QH emerging blueprint of the organisation providing an edge over the competitors.

II - Strategy: Strategy is the best plan chosen among the various emerging alternatives keeping in mind the strengthens, weaknesses, opportunities and threats (SWOT) of the organisations.

These strategies are unique to each and every organisation based on their organisation culture.

III - Engage: Once strategy has been ÀQDOLVHG HQJDJHPHQW RI DOO FRQFHUQHG is of the utmost importance as each and every participant has his own role.

Therefore clear and timely communication on the role and responsibilities of all participants must be shared and they must be motivated to imbibe the organisational vision, plan and strategy.

the phase of unprecedented crises posting huge losses due to numerous factors. The Ă€UVW OHYHO RSHUDWLQJ VWDII WKH UHDO EXVLQHVV mobilisers at the branch level, are not so well informed about the present scenario due to limited access of information. The only thing what precipitates down is NPA recovery, CASA mobilization, lending to retail and priority sector and cross selling of third party products. Here lies the role of top management in enlightening, educating and motivating the staff as an effective team. According to Lincoln Patz, “A true leader shows others the way to go forward and enables them to do so by giving them hope regardless of the current situationâ€? which is the present day need of the Indian banking industry especially PSBs. No doubt, Indian Public Sector Banks are beset with structural rigidities, top level political appointments

with uncertain tenures, increasing wage disparities with their government and public sector counterparts and everincreasing workload on public sector banks leading to resentment, frustration and high attrition among employees.

This is high time for the visionary initiatives from the top management in the public sector banks for improving the employee engagement and reducing attrition by enhancing the motivation, morale, job performance and self-esteem by enhancing the job enrichment. Andy Gilman has very aptly described the role of leaders in such scenario as, “The secret of crisis management is not good or bad, it’s preventing from getting worse�.

The responsive and visionary leaders are the architects of new era working with imagination, insight and boldness by building the bridges across boundaries t h r o u g h consultation, planning, training and implementing the systems not only during crises and failures but also in advance of a critical event and on an ongoing basis as per the emerging organisational priorities.

The GHĂ€QLQJ EHDXW\ RI transformatory leadership lies in developing the intra and inter personal relations beyond the DPELW RI QDUURZ VHOI DQG VHOĂ€VK LQWHUHVW based on the criterion of objectivity, transparency, certainty, suitability and meritocracy. To conclude, I quote Kimberlee Leonard, “Leaders who inspire and empower have a greater ability to LQĂ XHQFH WKH WHDP¡V DFWLRQV ,QVSLULQJ DQG empowering build loyalty and trust, which are positive qualities that create a strong, productive corporate cultureâ€?

S B Singh

Chairman Gramin Bank of Aryavart

Ritisha Singh

D/o Shri S B Singh Mainpal Cigna Health Insurance

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3. Tools for Analysis Case Study of Goa Zone Goa being a coastal state. The monsoon is very heavy and everything gets disturbed due to the same. Even there LV EDQ RQ ÀVKLQJ IRU GD\V GXULQJ monsoon. Due to this historical reason the zone as a whole had reconciled to the idea that during monsoon period, no business is possible. At the same time there was a feeling of dejection and helplessness due to the mining Ban imposed in the state. The mining Ban had a catastrophic effect on the business as well as the NPA portfolio of almost all the banks was ballooning.

7KH SUREOHP ZDV LGHQWLÀHG DQG the analysis/corrective measures to overcome the problem which were required to be initiated were considered. redictive models and analysis are up with the changing technology and After long deliberation a strategy for typically used to forecast future customers high expectations, which are Business increment was put in place probabilities. When applied to business, HDVLO\ VDWLVÀHG E\ RWKHUV LQ WKH EXVLQHVV where the management tool “Predictive predictive models are used to analyse We have to use the available resources Analytics” was used extensively. current data and historical facts in order not only to boost convenience of the Marketing Executives were asked to to better understand customers, products customer, but to enable, educate and collect data from different vehicle dealers and to identify potential risks and guide them also. A successful banker is and present the report in tabular form.

RSSRUWXQLWLHV IRU D EXVLQHVV ÀUP one who is able to recognise the needs The analysis of this data showed that Predictive analytics utilises a variety of of a modern consumer which go beyond the Goan population is buying cars in statistical techniques which basically the products. The present customer large number, however Bank of India deals with data mining, creating business wants relationships as well as world class was not getting even a small slice of this models which predict future trends, and services at his Beck and call. The present big pie. The data was split into small SULPDULO\ XVH $UWLÀFLDO ,QWHOOLJHQFH RU D approach of reactive policies isn’t pieces by month/ area/ car types. The programme to analyse the huge quantity good enough. We bankers need to use different festivals of Goa were analysed of data available. In short it analyses technology such as Predictive Analytics on the calendar and data was compared current and historical facts to make to disrupt, engage and strengthen with these festivals. A very startling fact was found, which was an eye opener predictions about future or otherwise connections. for all. Zone had been relying on the XQTXDQWLÀHG EXVLQHVV RSSRUWXQLWLHV A simple schematic diagram to belief that no business is possible during In business like Banks, predictive XQGHUVWDQG WKH SURFHVV ÁRZ RI monsoon, however the Goans were models look at the patterns found in Predictive Analytics. buying cars in large numbers during historical and transactional data to identify opportunities. Now-a-days PDQ\ DXWRPDWHG WRROV EDVHG RQ DUWLÀFLDO What will Raw data intelligence are available to a modern What Why did it Analysis Predic on happen in Happened happen Management, which helps in assessing the future the relationships among many factors to allow assessment of opportunities as well as risk associated with a particular Ganesh Chaturthi. It was such a huge set of conditions.

Required: - 1. Historical Data number for a small state with population As you are aware Traditional businesses 2. Real Time Data of only 22 lakhs. Zone realised that an LQ ÀQDQFLDO VHUYLFHV OLNH RXUV LV IDFLQJ D opportunity has remained untapped over complicated challenge. We need to keep the years. The data was further analysed

Predictive Analytics

The case study of Goa Zone.

P

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View Point These dealers were given special attention and the type of customers who go for such vehicles were analysed. A special drive to connect with the dealers was started and as of date, some of the dealers selling vehicles in higher end about rupees 25 to 30 lacs are giving regular business to us.

We desired to have a sustainable growth and the real challenge envisaged was RI PDLQWDLQLQJ WKLV Ă RZ RI EXVLQHVV WKURXJKRXW WKH \HDU 6SHFLĂ€FDOO\ IRU this purpose a very detailed analysis of vehicle loan business by value of vehicles was made by our marketing team. Those segments where we could surpass our to understand which vehicle brand is Initially the customers as well as the FRPSHWLWRUV ZHUH LGHQWLĂ€HG 7KHVH popular in Goa and how many dealers dealers were very sceptical that ‘PSU dealers were given special attention and of these brands are operating and their Bank’ will not be able to give service the type of customers who go for such location was marked on the map. Then as fast as the private banks, but the vehicles were analysed. A special drive to different branches were matched with branches took this challenge head on. connect with the dealers was started and these dealers according to the locational The resultant growth in the vehicle as of date, some of the dealers selling vehicles in higher end about rupees 25 to advantage and the dynamism of the segment was mind blowing.

30 lacs are giving regular business to us.

Branch Managers.

A local level competition was launched Once the data was available and analysed amongst the branches of Goa Zone. Similarly the smaller hatchbacks cars

by Team Goa, Zone decided to launch Prizes were declared for the branches, ZHUH LGHQWLÀHG DV JURZWK HQJLQH DV D FDPSDLJQ $W +HDG 2IÀFH œ$UHD for maximum number of vehicles these are preferred by middle class; due Managers’ concept was introduced during the campaign period as well as to their affordability and small parking and a very potent workforce was made for the maximum by value terms. This place required. The dealers of such cars available exclusively, for canvassing as turned out to be a game changer. All the were also given special incentives and well as processing of the loan proposals. Branch Managers were eager to take this pizza parties for the staff of dealers were arranged. This ensured good connection 0U $PLW 0DKDOH $02 ÀJXUHV RXW WKH FKDOOHQJH DQG WKH à H[LELOLW\ RI GRLQJ with the dealer staff and this turned out facts regarding our branch networks; business by numbers or by amount gave to be very helpful in getting business.

VW\OH RI ZRUNLQJ DV ZHOO DV GHĂ€FLHQFLHV LQ an incentive to rural branches, where Those customers who were just a walk in our functioning. Immediate steps were the maximum ticket size in vehicle loan customer for the car dealers, were diverted taken to enhance the soft skills of the account is low. As they have maximum to our branches by the dealers marketing personnel on the ground and providing customers taking two wheeler Finance. team through the regular contacts. A a support mechanism through Area We realised that it will be injustice to put dealer of Hyundai Motors (ALCON) gave 0DQDJHUV 2IĂ€FH DV ZHOO DV =RQDO 2IĂ€FH all the branches in one bucket, hence an opportunity to our Zonal Manager $OO WKH LGHQWLĂ€HG RIĂ€FHUV VWDUWHG SHUVRQDO made three different buckets. Almost all Mr. Prashant Naik to launch “i10â€? visit to the dealers and a baby step at the branches had developed a sense of vehicle in Goa. This turned out to be each level was taken. There were certain Fighting Spirit and also the achievable very good opening, and we have been enbottlenecks in dealers pay-out, arranging targets allotted to these branches helped cashing the same through our relationship dealer’s conference, meetings etc. These them in trying to work hard for giving with the dealers. Now the dealers are sharing their data about the customers/ ZHUH WDFNOHG RQH DW D WLPH ZLWK VSHFLĂ€F better results. directions to all. Since the campaign was We also launched an appreciation their preferences/their income category to start with Ganesh Chaturthi as a Focal scheme for the vehicle owners and with us and strengthening our predictive Point, the name Ganpati Bappa Morya they were given a small token gift on the Analytics tool.

ZDV Ă€QDOL]HG E\ RXU =RQDO 0DQDJHU ,W occasion of Ganesh Chaturthi. This gave It is important to note that there are ZDV ODXQFKHG ZLWK VXIĂ€FLHQW WLPH ODJ a sense of belonging to these customers many management processes available to for the branches to Canvas for business, and the idea proposed by our ‘MD & a modern manager but the main driving explain to customers the products CEO’ of giving a celebration feel while force for successful implementation available, the liaising with vehicle dealers handing over the sanction letter with a of the same lies with the men at to crystallize. Initially we had to borrow replica of a big key or car clicked. Many the end of the supply chain i.e. The from the marketing strategies being of the customer’s children enjoyed this Branch. adopted by our competitors. It was festival style of disbursement and shared very easy and we were making good this photographs with their friends and impression by a minimum turnaround family, this in turn worked as a mouth time; friendly service to the customers to mouth publicity and more customer Amit Singh and daily contact with vehicle dealers. started coming to us.

Goa Zone

Taarangan

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29

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31

PROCUREMENT OF GOODS & SERVICES BY BANKâ&#x20AC;&#x2122;S PROCESS OF TENDERING/RFP.

ntroduction : Cardinal principle of procurement LV WR SURFXUH VSHFLĂ&#x20AC;HG TXDOLW\ DW WKH PRVW competitive prices; in a fair, just & transparent manner. Bank need to have Board Approved Procurement Manual, on procurement procedure & guidelines (incl. delegation of power & commensurate accountability at various levels), for uniform approach in decision-making. Procurement should not be commenced or any liability incurred, without administrative approval and sanction from Competent Authority.

Procurement involving complexities, especially big-ticket projects, where inhouse expertise is not available, may require engagement of consultant/s. Banks should Ă&#x20AC;[ XQDPELJXRXV HOLJLELOLW\ FULWHULD IRU selection of consultant/s commensurate with importance, complexity & size of project, before inviting offers. It should include, amongst others, provision of professional liability, upper extent of consultancy fee, payment linked to actual work output, penal clauses for frequent change of staff deployed E\ WKH FRQVXOWDQW GHOD\ LQ VHUYLFHV GHĂ&#x20AC;FLHQF\ in services, clauses to deal with professional misconduct, etc. In case of limited tender

I

Cardinal principle of procurement is WR SURFXUH VSHFLÂżHG quality, at the most competitive prices; in a fair, just & transparent manner.

Bank need to have Board Approved Procurement Manual, on procurement procedure & guidelines (incl. delegation of power & commensurate accountability at various levels), for uniform approach in decision-making.

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enquiry, panel should be prepared in a fair & transparent manner.

Tender Document Due balance should be maintained between interest of Bank & contractor, by incorporating suitable terms & conditions in RFP document. Any uncertain / onerous/ unreasonable condition/s to any party to contract, may lead to time delays / litigation & alternative dispute resolution / cost escalation, etc., adversely affecting the procurement.

The information / documents, normally included in RFP document, are Notice Inviting Tender; Instructions to Bidders; Additional Instructions to Bidder; Eligibility 4XDOLĂ&#x20AC;FDWLRQ &ULWHULD 6FKHGXOH RI 5HTXLUHPHQWV 7HFKQLFDO VSHFLĂ&#x20AC;FDWLRQV & Quality Assurance; General & Special Conditions of Contract; and Standard Formats, including Bid Cover Letter, Price Schedules, Bank Guarantees & Contract Format. Any information is included in RFP document, in deviation from standard practice or needing attention of prospective bidders/ successful bidder, must be prominently placed, advising due attention.

RFP documents must be put in place before publication of NIT in newspapers & websites; complete tender documents must be available on Bankâ&#x20AC;&#x2122;s website for down loading.

RFP document is priced & its payment is sought along with bid. MoF has mandated to commence e-Procurement, including e-publishing of tender enquiry, in respect of all procurements having estimated tender value of ` 2.00 lakh or more, in a phased manner.

Modes of Tendering : Bank can adopt any of the following methods for procurement of goods, works or services on the basis of its approved policy / procedure, in line with CVC guidelines, from time to timeOpen Tender : It is a transparent method which ensures that only the bidder with the best price & meeting all technical requirements wins the tender. Bank should

Knowledge Plus normally resort to this process, for all procurements having estimated value exceeding prescribed threshold in its Procurement Manual. It requires advertisement, in local newspapers, one national newspaper, Indian Trade Journal, CPPP website & Bankâ&#x20AC;&#x2122;s website, inviting prospective bidders to apply for tender documents. If Bank decides to involve suitable & competitive offers from abroad, Global Tender Enquiry PD\ EH Ă RDWHG 5HDVRQDEOH WLPH LV permitted for submitting bids.

Limited Tender : Also known as short term, closed or selective tender: Press publicity is not utilized & preTXDOLĂ&#x20AC;HG RU NQRZQ SURYHQ YHQGRUV are intimated & allowed to participate in tender. Notice inviting such tenders can be put on Bankâ&#x20AC;&#x2122;s website to bring transparency & reducing chances of abuse of power. Such tenders are generally economical for procurements of items having regular & repetitive use and within laid down tender value or in case of limited sources of supply / contractors who can perform the work, with approval of competent authority as per laid down instructions. Registration/ empanelment process of vendors should be undertaken on regular basis in a transparent manner.

Single Tender : Single tendering means sending tender enquiry to one particular party only. Normally, procurement from a single g source mayy be resorted to for Proprietary items; in case of emergencies; where required item is to EH SXUFKDVHG RQO\ IURP VHOHFWHG Ă&#x20AC;UP for standardization of machinery or spare parts to be compatible to existing ng process sets of equipment. Single tender proce esss exceptional is to be followed only in exce c ption nal na proper & unavoidable conditions with witth prop pe r UHDVRQHG MXVWLĂ&#x20AC;FDWLRQ this tender, Spot Tender : In th his ten nder, r, sspot pot po ot enquiries issued, market, enqu quuiries ar are issu ued ed, byy vvisiting isitin is ng ma mark ark rket, who to vvendors endorss w ho aare ree dealing deaaliling ngg with witth de ddesired esi sire r d item. type may also item m. Thiss ty yp off ttendering ype ende derring ngg m ay als so be resorted reso sortted e tto o ffor or immediate imme im medi diiat ate rrequirement equireement RU ZKHUH LW LV GLIĂ&#x20AC;FXOW WR GHWHUPLQH H[DFW RU U ZKHHUH LW LV GLIIĂ&#x20AC;F Ă&#x20AC;FXO XOWW WR GHHWHU HUPLQH H[D HU [ FW VVSHFLĂ&#x20AC;FDWLRQV GXH WR LQDGHTXDWH PDUNHW VS SHF H LĂ&#x20AC; HF LĂ&#x20AC;FFDWL FDWLRQ RQV GX GXH GX H WR R LQDGGHTX TXDWH P TX PDUN UNHW iinformation. nform form mat atio ion n. As As tendering tend n erin nd ng process proceess is not adopted special n ott ado optedd fo ffor or spot ot purchase, purrch hase, sp pecial ascertaining aattention tteentio on is rrequired eqquired fo for as sceertainingg rate rreasonability. easonaabilityy.

Leveraging Information Technology: E-Procurement: Bank uses ICT to carry out procurement process with prospective bidders for ensuring WUDQVSDUHQF\ IDLUQHVV HIĂ&#x20AC;FLHQF\ by ruling out any undue human intervention. It starts from online publishing of tender enquiries, online bid submission by bidders, online bid evaluation & publication of award of contract. All authorised users in the procuring entity are required to have YDOLG GLJLWDO VLJQDWXUH FHUWLĂ&#x20AC;FDWH DORQJ with user ID & password to carry out e-procurement process. It also requires all prospective bidders to register / enrol on Central Public Procurement Portal or any other e-procurement portal under use by a procuring entity, use of valid digital signature and valid e-mail address.

E-Sale: It refers to activities carried out with help of ICT to sell goods, land, etc.

LQ D WUDQVSDUHQW IDLU HIĂ&#x20AC;FLHQW PDQQHU Bank needs to start with wide publicity of sale schedule for information of prospective buyers; objects under sale, their complete description, general and REMHFW VSHFLĂ&#x20AC;F WHUPV FRQGLWLRQV RI e-Sale. On scheduled date & time, buyers may bid online after depositing required security/ earnest money. Most monetary transactions may also take place online.

5HVHUYHG SULFH LV Ă&#x20AC;[HG EDVHG RQ YDULRXV parameters or with help of costing experts. The bid of highest & acceptable responsive bidder is accepted, which should normall ly be higher higher than the normally UHVHUYHG ULFH Ă&#x20AC;[ Ă&#x20AC; HG IIRU RU WKH KHH VDOH E\ KH UHVHUYHG S SULFH Ă&#x20AC;[HG WKH co omp m eteent pers son n or a co omm mitttee. competent person committee.

Re Rev eversee A ucttio ion: n: Reverse Revver erse A uction n is Reverse Auction: Auction a process prrocesss off online, onlin ne, real-time real--time p urch hase, purchase, adop ad op ptedd b r cu ro curriing ng eentities ntities ntit nt ies to o sselect elecct th the adopted byy p procuring suc su cceessf sfful ul b id. It iinvolves id nvolvees pr pres e entaati es tio on successful bid. presentation of ssuccessively ucce c ssivvely mo ore fa avouura rabl ble bl le b idds more favourable bids E\ \ WWKH KH E LG GGHUV R YHU DD SUH H GGHĂ&#x20AC; HĂ&#x20AC;Q QHGG E\ ELGGHUV RYHU SUH GHĂ&#x20AC;QHG ti ime sschedule. ch hed dulle. Thee proce ess als so allo ow wss time process also allows com mpilattio on aand nd evaluation evvaluatio on off bi b ds. It It compilation bids. h as to o be be carried caarried out out within witthin the th he broad ad has fr ram mewor o k off CVC C gguidelines uidellines o np ublilicc framework on public p ro ocuurem ment ent ensu uring transpa paarenccy, procurement ensuring transparency, ID DLUUQHHVV DQ QG HHIĂ&#x20AC;FLHQF\ QG IĂ&#x20AC;FLHQ QF\ VR R DDV V WR R DDFKLHYH FKLHYH YH IDLUQHVV DQG VR WR b est vvalue alue u ffor orr the m oney sspent. pent.. best money 3UH 4XDOLĂ&#x20AC;FDWLRQ 3UH H 4 4XDOLĂ&#x20AC; Ă&#x20AC;FD F WLRQ %LG %LG G (OLJL (OLJLELOLW\ JLE ELOLW\\ Conditions: Cond nd ditions:: 3UH TXDOLĂ&#x20AC;FDWLRQ 3 UHH TTXDOOLĂ&#x20AC; LĂ&#x20AC;FD FDDWL WLRQ DLPV DLLPV DW DWW VHOHFWLRQ VHOHHFWLLRQ RI RI competent com mpeten e t co contractors, ontracttors, ha having avin av ng tech technical c nica call Ă&#x20AC;

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commensurate with requirements of particular procurement, at initial stage of process itself. The conditions should be such that they are neither too stringent nor too lax to achieve the purpose of fair competition. Eligibility of bidders may also be looked into, at a later stage, after calling bids.

Tender Evaluation and Award of Contract : This is the most sensitive area, susceptible to many unintended and/or intended irregularities. Some important points to ensure tender evaluation, in transparent, fair & open manner, areÂ&#x2021; &RPSHWHQW $XWKRULW\ PXVW duly notify Tender Evaluation Committee, ensuring that its members are competent to deal with subject matter. Â&#x2021; (YDOXDWLRQ RI 5)3 LV GRQH VWULFWO\ DV SHU SUH QRWLĂ&#x20AC;HG FULWHULD Â&#x2021; 1R LQRUGLQDWH GHOD\ LQ SURFHVVLQJ of RFP for award, and preferably, 5)3 LV Ă&#x20AC;QDOLVHG ZLWKLQ RULJLQDO ELG validity period. Â&#x2021; &9& JXLGHOLQHV RQ QHJRWLDWLRQ ZLWK bidder /s are complied with. L1 is QRW LJQRUHG RQ Ă LPV\ JURXQGV Â&#x2021; 5)3 WHUPV FRQGLWLRQV VSHFLĂ&#x20AC;FDWLRQV DUH QRW UHOD[HG WR favour any bidder /s. Â&#x2021; &RPSOLDQFH ZLWK WKH SXUFKDVH preference policy of the Government of India is ensured. Â&#x2021; 5DWH UHDVRQDEOHQHVV LV GXO\ ORRNHG into.

Contract Agreement It is a legal document (including Letter of Acceptance), signed between Bank & successful bidder/s, in terms of complete RIIHU DQG FRXQWHU RIIHU LI DQ\ DW Ă&#x20AC;QDO conclusive stage of RFP process. The terms of contract must be precise & GHĂ&#x20AC;QLWH DQG WKHUH PXVW QRW EH DQ\ URRP for ambiguity or misconstruction.

References1.

Vigilance Manual 2017 - Published by Central Vigilance Commission 2.

Illustrative Check Points For Various Stages of Public Procurement - CVC Chief Technical Examinerâ&#x20AC;&#x2122;s Organisation

Surinder Kumar Dhingra Internal Ombudsman (Ex.) Head Office

Taarangan

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Bardhaman Zone

Bhubneshwar Zone

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Bokaro Zone.

Navi Mumbai Zone

Mumbai South Zone

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Lucknow Zone

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Mumbai North Zone

Vijapur Rd., Solapur Zone

Howrah Zone

Kanpur Zone

Bhopal Zone

Â?Â&#x2122;Â&#x203A;ĂŁBhopal Â&#x2122;Â&#x2122;Â&#x152;Â&#x2122; oÂ&#x2122;Â&#x2122;Â&#x;jÂŚ Â&#x160;Â&#x2122;Â&#x2122;kÂ&#x2122;Â&#x2122; Â?Â&#x2122;Â&#x2122;Â&#x17E; Zone Â&#x2020;Â&#x2122;Â&#x2122;}Â&#x2122;Â&#x203A;Â&#x201E; d oÂ&#x2122;Â&#x2020;Â&#x2122;

Solapur Zone Raipur Zone

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37

Self-Help

Communication hould somebody ask me, ‘Which is the most important skill a person should have?’ My answer without any hesitation would be ‘Communication Skill’. Any relationship, either to develop or to get marred depends upon the communication between those two people.

A communication need not always be a verbal one. You need not talk and express overtly every time. Look at those young couples, fresh in love, sitting at a public park oblivious of the s u r r o u n d i n g s, Any looking into each relationship, other’s eyes and either to communicating develop or to w i t h o u t speaking. Same get marred is the case with depends the mature love upon the when the wife communication just looking at between those husband’s mood two people. comes to know what he wants.

No communication yet so much said and heard. Look at the little child, a few months old, in the arms of the mother and responding to the mom’s gestures by smiling. No verbal communication, yet so much transpired between the mother and the child. In a Hindustani music concert, many a times nothing is decided before the actual show begins. It begins to unfold as the musician or the vocal artist starts his part and establishes communication with the

S

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accompanist just by looking at him. A harmonious relationship blends between these two artists creating a wonderful harmony that takes the listener into a blissful experience.

Does it then mean that verbal communication does not have any role in communication? Of course it has!! In fact, a major part of communication is verbal communication. But many a times misunderstandings happen just because something is not communicated verbally properly. The most important aspect of verbal communication is the tone.

Whatever be the words that we say, it is the tone that actually communicates what we are feeling and what is our mood at that point of time. Many a times the tensions and attitudes underneath, surface through our tone. So carrying a proper tone is an important ingredient of communication.

Proper use of language and words is yet another aspect of good communication.

A small pause before saying anything helps us to gather correct words due to which we can communicate effectively.

Similarly, body language also plays a very vital role in communication. It is a non verbal mode of communication. Facial expressions, eye movements, various other gestures, body posture etc. convey more than what is said.

Coming to the crux of the communication, is this all about communication? Is communication just between two persons. Or is it something beyond that?

How about communicating with our own body? Do we ever do that?

Probably ‘No’. Actually our body keeps on telling us something. It keeps on indicating many things which we tend to ignore in our day to day routines. Even when we are on a morning walk, it’s a common practice to chit chat and walk.

Some selected few prefer to remain with themselves with an ear phone attached and listening to some music. Actually walking is one such exercise where we need to listen to ourselves, our body, the nature, the birds, the greenery, the wind, the sunlight….. et al. While walking we should observe and read every muscle, its movement, the graceful steps that our foot puts forward. Observe them, appreciate them, and communicate with them. Communicate with each cell of the body and tell them to enjoy the bright sunshine out there. That is communication.

How about communicating with our soul? Do we ever peep into ourselves?

Every time we are in a criticizing mode, the target is somebody else other than ‘ME’. So introspection, some communication with the soul will enrich us. Again, that is communication.

Lastly how about communication with God? Nothing religious here. Be it an atheist or a religious person, everybody has to believe that there is a super power which is above all of us. So do we communicate with that power?

Practically all communicate with the Almighty with some motive in mind.

It could be career, money, good marks, so on and on. But do we communicate without any expectations just to say THANK YOU to that super power.

These aspects of Communications beyond the normal sense of the term will take us to greater heights and bring about a soothing calmness in this chaotic world.

Milind Kulkarni IT Faculty STC Goa.

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he management of our bank has taken a very revolutionary decision of launching a mega drive against NPA borrowers by involving all the staff members from top to the bottom. The initiative has generated lot of curiosity in the banking industry and many banks are also following our method. During course of interaction at various forums it has been observed staff members working in advances have a fair knowledge of impact of VOLSSDJHV 13$V RQ SURÃ&#x20AC;WDELOLW\ of the bank and its image but other staff members are keen to know impact of NPA on bank. This article will try to address this issue so that entire team can understand the gravity of the issue.

We all are aware that when account LV FODVVLÃ&#x20AC;HG DV 13$ LW LV JRYHUQHG

by Income Recognition and Assets &ODVVLÃ&#x20AC;FDWLRQ ,5$& 1RUPV (YHQ though it is cumbersome to explain IRAC Norms, we will try to simplify it without losing its content. As per prevailing IRAC Norms once the account is FODVVLÃ&#x20AC;HG DV 13$ EDQN FDQQRW charge any interest on it and if already charged, this unrealised interest is to be reversed. But the issue does not end h e r e and the

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bank has to make a provision from its SURÃ&#x20AC;W WRZDUGV DPRXQW RI 13$ DQG WKDW GUDLQV WKH SURÃ&#x20AC;W HDUQHG 7KLV SURYLVLRQ is different for outstanding secured by assets and unsecured assets. The security can be in any form like stocks, mortgage, FDR etc. The moment any account turns NPA, we have to classify all the accounts of that borrower as NPA and a provision is to be made on the outstanding balances as per prevailing IRAC and Provisioning norms pertaining to Advances. At present following norms are in vogue.

Age Wise &ODVVLÃ&#x20AC;FDWLRQ of NPA NPA up to 12 months

Provision

Substandard 21 (If Secured Asset) Substandard22 (If Un Secured Asset) Doubtful - 31

NPA from 12 to 24 months NPA from Doubtful - 32 24 to 48 months NPA over Doubtful - 33 48 months No Security Loss - 40

15%

25%

25% 40% 100% 100%

Here one point needs to reemphasised that if one account of the borrowers becomes NPA, all his other accounts are DOVR QHHG WR EH FODVVLÃ&#x20AC;HG DV 13$ DQG provision is to be made on those also.

This makes a cascading effect.

The unsecured assets go directly from Asset Code - 22 to Asset Code 40 after \HDU 7KH FODVVLÃ&#x20AC;FDWLRQ RI 'RXEWIXO is not applicable in case of Unsecured Assets. Unsecured Assets include Personal Loans, Credit Card Dues, Education Loans, SRTO, Working Capital Loans without Hypothecation Charge etc.

If the realizable value of security becomes less than 10% of the outstanding, the DFFRXQW ZLOO EH FODVVLÃ&#x20AC;HG DV D /RVV $VVHW

Banking Plus If the realizable value of security of 1HW ,QWHUHVW 0DUJLQ 1,0 DQG Ă&#x20AC;QDOO\ a loan ranges from 10% to 50%, the DGYHUVHO\ DIIHFWLQJ WKH SURĂ&#x20AC;WDELOLW\ RI DFFRXQW ZLOO EH FODVVLĂ&#x20AC;HG DV D 'RXEWIXO the bank. directly.

For every loan, bank Age of NPA First Second Third Fourth Total has to take deposit from public and out Year Year Year Year Provision 15% 25% 40% 100% 100% of this deposit bank to be made has to park 19.5% # of the deposit as Provision 15,000 10,000 15,000 60,000 1,00,000 Statutory Liquidity made during Ratio and 4% of the year the deposit as Cash 8,000 8,000 8,000 8,000 32,000 Average Reserve Ratio with Interest on RBI. Thus bank can Deposit of lend maximum upto # RQ 76.5% [100-(19.5+4)] ` 1,31,000 Loss to the 23,000 18,000 23,000 68,000 1,32,000 of its deposit. So if Bank is giving a loan Bank Loss of 10,000 10,000 10,000 10,000 40,000 of ` one lakh it has Interest to mobilise deposit of # DSUR[ ` 1,31,000.00. Once the loan account The impact is simple to understand by becomes NPA bank do not get any illustratation. Let us study the impact of interest on it but it has to pay the interest a Cash Credit account of ` One Lakh on deposit as per contract. Naturally becoming NPA by following chart. (For this affects banks capacity to pay higher the sake of simplicity we presume that interest rate on deposit and thereby the loan is secured by assets.) reduces it competitive strength in the It will be clear from above chart that market. even though bank does not receive any Moreover as per prevailing Basel/RBI interest income from the loan but it norms, Bank has to maintain a capital incurs loss on account of provision. Itâ&#x20AC;&#x2122;s # RI WKH ORDQ DPRXQW ZKLFK LV RYHU VLPSOLĂ&#x20AC;FDWLRQ RI WKH LVVXH EXW KDUVK not free and shareholders including reality is that had the loan not turned government expects minimum dividend NPA bank would have saved on account on the capital. The higher percentage of of provision and instead earned interest, NPA affects the capacity of the Bank to LQFUHDVLQJ EDQN¡V SURĂ&#x20AC;WDELOLW\ ,W LV WUXH raise capital from market and there by its that there cannot be zero NPA but lesser eligibility to enhance lending is further the NPA, banks can offer lower interest reduced. rate to borrowers and attract good In order to avoid such situation RBI borrowers. has devised a category called as Special As bank earns less interest, its Net Mention Account (SMA) wherein as Interest Margin is reduced and thereby soon as the either interest or instalment reduces its ability to offer higher interest becomes overdue the account is rate on Deposits. Because of growing FODVVLĂ&#x20AC;HG DV 60$ DV XQGHU Ă&#x20AC;QDQFLDO OLWHUDF\ DPRQJ EDQN FXVWRPHUV a) When Principal or/and interest they are reluctant to place deposits with payment becomes overdue and remains banks which have higher percentage of so for upto 30 days and Account shows NPAs. Thus such banks are forced to VLJQV RI LQFLSLHQW VWUHVV LW LV FODVVLĂ&#x20AC;HG DV offer higher interest to their depositors SMA-0 to retain/attract them. So there is b) When Principal or/and interest double whammy of further reducing the payment remains overdue for more than

30 days and remains so up to 60 days it is FODVVLĂ&#x20AC;HG DV 60$ c) When Principal or/and interest payment remains overdue for more than 61 days and remains so up to 90 days it is FODVVLĂ&#x20AC;HG DV 60$ Once it breaches the 90 days period it is VWUDLJKW ZD\ FODVVLĂ&#x20AC;HG DV 13$ 7KLV FODVVLĂ&#x20AC;FDWLRQ QHHGV WR EH understood in letter and spirit beyond for statement purposes. As in case of human being doctors diagnose the disease at the primary stage to prevent further deterioration of the health of the patient wherein chances of survival gets reduced,similarly prudent bankers also need to be get alarmed at the very Ă&#x20AC;UVW VWDJH RI DFFRXQW VOLSSLQJ LQWR SMA-0 and start taking corrective actions to prevent its slippage into NPA. Even though as a banker we expect that borrowers should regularly repay the loan till it is fully closed but in case of stress, practical banker will understand that it is easy and convenient for borrower to regularise the account during its SMA-0 stage rather than after it slips into SMA-1. The prime reason being if the account is regularised during SMA-0 stage he has to arrange for the overdue amount for the previous month.

Once the account slips to SMA-1, he will have to arrange for two months. This gives a breathing time to both bank as well as borrower. But Banker should get alarmed if this happens repeatedly.

It is expected that better understanding of adverse qualitative and quantitative impact of NPAs on Bank will motivate all for preventing slippages and reduction of NPA.

Sudhakar Atre (The author is a Ex Faculty MDI CBD Belapur Mumbai, presently Star Eklavya Faculty for Nagpur AMO and Freelance writer on banking in various journals. &RQWDFW VXGKDNDUDWUH#JPDLO FRP

Taarangan

March, 2019

41

The festival is celebrated to commemorate Maa Durga’s win over the demon Mahishasura and represents the victory of peace and dharma over ego and evil.

NAVRATRI Festival SYMBOLIZE PEOPLE’S CULTURAL, SOCIAL AND RELIGIOUS ASPIRATIONS

ndia could well be called the land of festivals. The amalgamation of different cultures, languages and religions ensures that there is a festival being celebrated in some part of India almost every week. One of the more popular festivals which are celebrated all over Gujarat is NAVRATRI. It is one the most colourful festival of Gujarat. In Gujarat, people eagerly wait for the 9 nights (NAVRATRI) when they worship goddess Durga/Amba Mata through the traditional dance of Garba. The festival is celebrated to commemorate Maa

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Durga’s win over the demon Mahishasura and represents the victory of peace and dharma over ego and evil.

NAVRATRI (the word literally means “nine nights”) is one of the holy festivals of Hinduism. It is a festival of nine nights, during which we worship goddess of Shakti. NAVRATRI festival is observed twice a year, once in the month of Chaitra and then in Aswayuja.

It lasts for nine days in honour of the nine manifestations of Durga. During NAVRATRI devotees of Durga observe a fast. Brahmins are fed and

prayers are offered for the protection of health and property. The 9 nights festival of NAVRATRI begins on the ÀUVW GD\ RI $VKZLQD RI WKH EULJKW fortnight. The festival of nine nights in October, preceding the Dussera is a special feature of Gujarat when people assemble in village squares and temple compounds and sing and dance till the wee hours in the morning. They worship the mother goddess and her numerous manifestations during the festival. The three aspects viz. Durga, Lakshmi or Sarawati of the Divine Mother are her

Festivals protective aspect of Lakshmi and on the last three nights, her knowledge aspect or Saraswati are worshipped. All over India people are very keen to know the Navratri colors in order to plan the costumes to ZHDU IRU WKH VSHFLĂ&#x20AC;F GD\ RI 1DYUDWUL ,Q IDFW WKH RIĂ&#x20AC;FHV DQG ORFDO WUDLQV DOVR VKLQH in these colors. The color scheme of all 9 days gives a healthy opportunity for the womenfolk celebrating Navratri to dress WKHPVHOYHV XS LQ WKH VSHFLĂ&#x20AC;HG FRORU RI the day of Navratri.

Every state celebrates its own customs and rituals. Bengalisâ&#x20AC;&#x2122;s celebrate the Durga Puja with lot of passion, and in Maharashta and Gujarat people celebrate with Garba and Dandiya. In Telangana it is celebrated as Batukamma, but what unites all states is the celebration of Nine forms of Goddess. The most characteristic dances of Gujarat during NAVRATRI are the Rasa and Garba dances which are performed at all levels of society by men and women. The OHDGHU RI WKH JURXS VLQJV WKH Ă&#x20AC;UVW OLQH RI the song while the rest repeat it in chorus; the beat being produced clapping hands or striking sticks in unison. The origin of the Rasa is traced back to the legends connected with the life of Lord Krishna.

The Rasa is performed in Gujarat on Navaratra; and other important festivals associated with harvest and crops.

The most impressive artistry of the Rasa dances of Gujarat and Saurashtra is displayed in the Dandiya Rasa by men. It is a counterpart of the Garba of the women. In Garba, at every step they gracefully bend sideways, the arms coming together in beautiful sweeping gestures, up and down, left and right, each movement ends in clap.

While in Raas, the dancers use sticks at the end of which tiny bells (ghungrus) are tied so that they give off a clear jingling sound when they strike one another.

This dance has a very complicated rhythm pattern and even though the dancers begin in a slow tempo, the dance develops in such manner that each person in the circle not only performs a solo dance with his own sticks, but also has a complex multiple relationship with both his partners on either side as also partners opposite him in the circles. There is a great deal of freedom in the movements and sticks are beaten in standing, sitting or lying position. Occasionally, the men

weave patterns of an intertwined rope LQ D FLUFOH WKH\ OLH RQ WKH Ă RRU ZLWK WKH two sticks being beaten above their heads and chests; sometimes instead of hands, the feet hold and strike the sticks. The Dandiya Rasa is obviously of ancient RULJLQ DQG RI ULWXDO VLJQLĂ&#x20AC;FDQFH 7KH ritual of the Navaratra of the sowing and sprouting of corn for nine days and the climax through a variety of dances links agricultural and urban societies. Today in the cities and town the dance is a social activity and entertainment rather than religious agricultural or fertility symbol.

The Garba of Gujarat is the most popular womenâ&#x20AC;&#x2122;s folk dance of Gujarat. During NAVRATRI, pot is ceremoniously placed attractive designs are made on the pot and a light is placed inside. Village girls bearing pots (garbis) on their heads go from door to door and dance around the respective house.

There are variations in the garba different regions communities and dancers have involved their own style and steps. The Garba is indeed a ceremony in which everyone can take part irrespective of caste or social position. The dances are accompanied by drums (dholak) and the vocal women. The songs of the Garba are often history and melodious and have been handed down through generations.

The origins of it seems to be a tribal dance revolving around a hunt; later it was transformed into an agricultural ritual dedicated to the goddess Ambika.

Today it is a social dance at all levels of society. In essence, it continues to be a fertility dance.

The day after NAVRATRI i.e. the 10th day after Ashwina, is Dussera which celebrates the victory of lord Rama over

5DYDQD 5DYDQD LV EXUQW LQ HIĂ&#x20AC;J\ RIWHQ giant dummies of Ravana stuffed with Ă&#x20AC;UHZRUNV DUH VKRW ZLWK DUURZV XQWLO they blow up before a large, applauding audience. Ahmedabad is one of the greatest places to enjoy NAVRATRI. All kinds of Rasa-Garbas, Dandia Raas etc. are practiced in this period, feasting and fasting are important cultural aspects of this day, and various rituals are performed at temples of the 9 Goddesses of Hinduism. The atmosphere is electric and revelry is in the air.

2QH ZRXOG Ă&#x20AC;QG WKDW 'XVVHKUD IHVWLYDO KDV LPPHQVH P\WKRORJLFDO VLJQLĂ&#x20AC;FDQFH ,W can also be interpreted as â&#x20AC;&#x153;Dasa-Haraâ&#x20AC;?, which means the cutting of the ten heads of Ravana. As per Ramayana, Ram did Chandi-Puja and invoked the blessings of Durga to kill Ravana, the ten-headed king of Lanka who had abducted Sita.

Durga divulged the secret to Ram how he could kill Ravana.

For Amdavadis NAVRATRI & DUSSEHRA is a jigsaw puzzle of people - of every faith and religion, living together to create a unique and colourful variety. Festivals like NAVRATRI in Gujarat symbolize peopleâ&#x20AC;&#x2122;s cultural, social and religious aspirations. They help people to live a fuller and better life, remove monotony and provide healthy recreation. They promote unity, fellowfeeling, self-discipline and austerity.

Vinod Chandrashekhar Dixit NBG-Central Ahmedabad

Taarangan

March, 2019

43

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Awards â&#x20AC;&#x153;Makers of Excellenceâ&#x20AC;? Award by PFRDA

Chairman Shri G Padmanabhan with Dy CE Shri O P Lal and other staff members of Singapore Branch.

Bank was conferred with â&#x20AC;&#x153;Makers of Excellenceâ&#x20AC;? award by PFRDA for having topped in ATAL Pension Yojana (APY) implementation on 16 November 2018 at New Delhi. ED Shri Atanu Kumar Das along with ZM's of different zones.

Bank conferred with FIRST prize in SHG Credit linkage Maharashtra MD & CEO Shri Dinabandhu Mohapatra being welcomed by staff members in presence of CE European Centre Shri Monoj Das during his visit to New York Branch.

Mumbai North Zone adjudged 3rd rank in Digifest on all India Ranking. ZM Shri Girish Kumar Singh holding the Trophy at ZO with &0 6KUL 5DYL .XPDU DQG 2IĂ&#x20AC;FHU ,7 6PW 6QHKPD\L 6DFKKL

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ZM Navi Mumbai Zone Shri Vishwajeet Singh receiving the award from Honâ&#x20AC;&#x2122;ble Minister Ms Pankaja Munde in a function held at Kharghar, Navi Mumbai on behalf of all the contributing BOI Branches. Bank was conferred with FIRST prize amongst all PSBs in SHG Credit linkage in the state of Maharashtra for the FY 2017-18.

Bank of India awarded with AADHAAR Excellence Award by UIDAI.

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Taarangan

March, 2019

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Taarangan

March, 2019

47

jÂŚÂ&#x2122;Â&#x2030;Â&#x201A;Â&#x2122;Â&#x2122;Â qÂ&#x2122;Â&#x192;Â&#x2020;Â&#x2122;

Evening 5HĂĽHFWLRQV â&#x20AC;?Š¸£ RQ Life... lone, I tread faster, Together, we walk farther.

Speak alone, I go within deeper, Together, we talk to keep mind broader.

Live, I alone to introspect, We live together to give respect.

Do alone something secret, Work together, to make it sacred.

Solo keeps the thrill to oneself, Symphony escalates beyond self.

Realize the values of self, Share it with one close to self.

Listen well before we speak, Temper is costly, never lose it. /HW¡V Ă&#x20AC;JKW RQO\ DV ODVW UHVRUW When all avenues exhaust.

God has given us precious birth, Journey ends with a certain death.

Through the days of lasting breath, Letâ&#x20AC;&#x2122;s live a life, itâ&#x20AC;&#x2122;s name worth.

To have more to smile when I live, Than to cry when I leave.

I have to care n share with my heart, As my memories wonâ&#x20AC;&#x2122;t be buried or burnt.

A

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Durgadas PV Ex. Staff

48

leejebieCe

ceeÂŽe&, 2019

SOMETHING NEW he sun beams spilled out of the sky In neon yellow hue.

In the same manner they do everyday But dancing in something new!

Then the squirrels on the tree help The bees, their hive to re-decorate.

I make the ants sit cross legged And Fairy tale to them, I narrate.

The tree leaves dance in revival In the wind they valiantly march Who can imagine that a few months ago.

Autumnâ&#x20AC;&#x2122;s adversity had them parched?

Something new, Iâ&#x20AC;&#x2122;ve titled this poem Because I really want you to know, yâ&#x20AC;&#x2122;all.

You are on the edge of the horizon So feel free to Freefall Summer scorching sunbeams wish you luck.

The morning birds search for new breadcrumbs Hey donâ&#x20AC;&#x2122;t worry, thereâ&#x20AC;&#x2122;s future lighting up So you better be ready: the best is yet to come.

T

Samuel A Davidson

S/o Mrs K P Kumar Chandigarh Zonal Office

Joining Hands qÂ&#x2122;Â&#x2030;Â&#x2122;Â&#x2122;|Â&#x2122;Ă&#x203A; W hat a pair of hands is meant for,

Emblem of togetherness or just a metaphor, Hands holding the gun shows the valour of a soldier; Having a plough marks the labour of a farmer; A policeman's hands, the security of people and welfare; Mallet defines the earnestness and equanimity of the just chair; A writer's hand pens the voice of the common and the spare; Hands going up become the salutation of a leader; Hands coming down shower the blessings of an elder; Hands in hands dangling, displaying longing for each other; When joined together symbolizing the greetings of a culture;

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Wearing a loving embrace, embosoming the promise of nature; Or a diplomat's handshake, upon which millions of hopes rest;

Â&#x201E;Â&#x160;Â&#x161;}Â&#x161;Â&#x192;Â&#x161; jÂ&#x153;§ Â&#x161;Â&#x161;Â&#x2026; Â&#x201E;Â&#x17D;Â&#x161;ÂĄĂ? dÂ&#x201E;Â&#x17E;Â&#x201E;Â&#x2122; Â&#x192;Ă&#x17D;Â&#x2020;Â?Â&#x2122; Â&#x160;Â&#x2122;Â&#x2122;kÂ&#x2122;Â&#x2122; ĂŁÂ&#x2122;Â&#x2122;Â&#x17E;}Â&#x2122;Â&#x2122;Â&#x2020;Â&#x2122; d oÂ&#x2122;Â&#x2020;Â&#x2122;

So, wonder, what a pair of joining hands can do at their best.

Kundan Kumar

Ă&#x2122;Â&#x161;Â&#x161;Â&#x201E;Â&#x2026;kĂ&#x2DC;Â&#x161;  Â&#x161;Â&#x17D;Â&#x161;Â?{ Â&#x2030;Â&#x2122;Â&#x2122;Â&#x201E;Â&#x2122;Â&#x2013;Â&#x2122;Â?Â&#x2122;Ă&#x203A; d  oÂ&#x2122;Â&#x2020;Â&#x2122;

Khagaria Branch Bhagalpur Zone

Taarangan

March, 2019

49

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Taarangan

March, 2019

51

Young Talent

ur heart, Place your hand over yo called purpose. can you feel it? That is don't ever give up. so on as re a r fo e iv al You're – Joyce Meyer

LIFE IS THE MOST PRECIOUS GIFT OF GOD - ADORE IT

o allll those h people l out there h particularly teenagers who go to the extent of thinking to commit suicide needs to be corrected. The main question is WHY TO END LIFE? The life is very precious one. If someone has some sort of problems or is coming across with some troubling people, one should just ignore the bad vibes and focus on the good ones. Those problems or people will come and go, but your life cannot.

Think about the people who love you and care about you, who need you, who worry about you. Don’t you think it will destroy their lives as well?

Everyday tons of people commit Suicide, WHY? To close this book namely LIFE and start a new one, because one couldn’t deal with this book anymore. Just think deeply on the issue and try to answer the questions like, Do you have no clue about how to solve an issue? Or are you not DEOH WR FRSH XS ZLWK WKH VSHFLÀF SHRSOH around you? If situation is this, then you should talk to your parents, elder family members of preferably a professional counsellor.

And with their help, you can get out of the saddest and depressed situation of

T

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your life Live your lif life lif and d start afresh. f h Li to the fullest. Lately, I have read quite many newspaper articles about suicides committed by teenagers. The main reasons for suicide was due to stress and pressure of examinations and parents or peer pressure or depression or the most awful yet the most important one BULLYING. So I would like to ask all such people who do bullying, did they ever thought about the other person’s state of mind getting bullied by someone? Stop bullying others please! We all have probably seen one of the best and most popular shows of 1HWÁL[ FDOOHG WKH 5($6216 :+< Remember how bullying affected the victim? Remember what happened next?

Do you want to be the reason for someone's death? Or if someone commits suicide due to the bullying by you, then you are in directly a murderer because you indirectly made that victim end his life. So let's say bye to bullying for once and forever.

I mentioned above that some teenagers commit suicide due to the stress of examinations, rethink, you have reached a certain grade or standard and it's

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obvious that reaching b i h before b f hi this hi point i you might have faced the stress or pressure of examinations earlier also.

When you overcome stress earlier, why not this time as well? I agree that the studies or portion at higher level is more complicated or hard but one can overcome this stress by proper planning and time management. If at any time you think about committing suicide it means you are running away from this stress and pressure but eventually STRESS WINS AND YOU LOSE. My request to all is that if you ever see someone in stress and who needs help or even if you get the vibe that the person is depressed or stressed out just go and talk with that person and try to help in some or the other ways.

I would just like to urge that life is the most precious gift of GOD, live it to the fullest.

Ms. Soumya Prasad D/o Ravi Kumar, Chief Manager, Mumbai North Zone is a student of Class 9.

6KH KDV D JRRG ÁDLU LQ ZULWLQJ DQG painting as well. BOI Parivar wishes her great SUCCESS ahead!

¢í¿™ú ¢™¨¸¬¸ 2018

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Taarangan

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GM, NBG(W-1) Shri Ashok Pathak inaugurating Retail Banking Center at Wadala (West) Branch in presence of ZM Shri Minaketan Das, DZM Shri Vinod Shettigar, DGM (Recovery) Shri N S Deora, AGM (RBC-1 Shri A S Golani, AGM (RBC-2) Shri Milind Gawasane and CM Ms. Sheetal Jadav.

MNZ, Turner Road Branch disbursed Home Loan to renowned and promising Bollywood actor Mr. Tiger Shroff. ZM Shri Girish Kr Singh, AGM R N Nagar Branch, Shri Keshav Kumar, AGM Turner Road, Branch Shri S Karmakar, AGM Shri and others staff members during disbursement of 1st installment at Mumbai.

ZM, MNZ Shri Girish Kumar Singh addessing customers in presence of GM, NBG(W-1) Shri Ashok Pathak, DZM Dr. Sanjiv Pathak during the shifting of Chakala Branch to the New Premises.

Goa Zone ZM Shri Prashant Naik , GM (RBI Goa) Shri S T Kannan, DZM Recovery Shri Mohandas Amin and AGM Campal branch Shri Shriprakash Shukla launching the Area Based Scheme for SURYLGLQJ ORDQV WR ÀVKHUPHQ WR SXUFKDVH UHIULJHUDWHG LQVXODWHG vans/trucks.

Mumbai South Zone, SME City Center has participated in “Speed Networking Program” organized by Maharashtra Chamber of Commerce, Industry and Agriculture. This was B2B interaction with SMEs. NBG- West 1 DGM Shri Haresh Mangal received the memento for our Bank’s valuable contribution to SMEs from Mrs. Shubhangi Tirodkar (Vice President - Maharashtra Chamber of Commerce, Industry and Agriculture), Mr. Sagar Nagare (Secretary GeneralMaharashtra Chamber of Commerce, Industry and Agriculture) and Shri Ishwar Baldia AGM- SME City Centre, Mumbai South Zone.

Mumbai South Zone ZM Shri Minaketan Das felicitation Top Performing Branches under “Jubilant June Retail Campaign” at MSZ in presence of DZM Shri Vinod Shettigar, DGM (Recovery) Shri N. S. Deora, AGM RBC Shri A S Golani, Shri Milind Gawasane along with the Branch Managers.

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March, 2019

57

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CM, Kodungaiyur Branch, Chennai Zone Shri Suryapratap Reddy KDQGLQJ RYHU WKH NH\V RI D YHKLFOH Ă&#x20AC;QDQFHG E\ WKH %UDQFK WR WKH FXVWRPHU Shri Bhaskaran.

Relations that countsâ&#x20AC;Ś ,Q WRGD\¡V OLIH RI FRQVXPHULVP DQG PHFKDQL]HG OLIH SHRSOH Ă&#x20AC;QG OLWWOH time to remember their old friends. Switching over to alternative job is another trend among the employees of organization as loyalty and love to the organization come at third priority seldom than self-satisfaction and career orientation. In such a scenario Shri S Sampath who joined Tiruchirapalli Main Branch on 18.09.1968 as DRO and retired as General Manager. Showing utmost love and loyalty to the bank, he remembered the organization and colleagues. A get together cum celebration of his Golden Jubilee enrolment day was organized at Tiruchirapally Branch where he started his career in the presence of Ms Geetha Nagarajan DGM and Coimbatore Zone. Meeting was addressed by both emphasizing Quality Credit Asset, NPA Reduction and make the bank to shine again LQ 1R SRVLWLRQ DV LW ZDV LGHQWLĂ&#x20AC;HG WKH LQGXVWU\

Hyderabad Branch (Telangana Zone) Mini Van donated to ISKCON by BOI under CSR through our MD&CEO Sri D.B.Mohapatra Sir today. NBG GM Sri Mitra Sir and ZM Sri S B Rai Sir also graced the occasion. The vehicle will be used for FOOD FOR PEOPLE to feed the orphan children.

Taarangan

March, 2019

59

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Pune Zone participated in a procession of most prestigious " Kasba Ganpati " Pune with the Theme "GO GREEN " & "SAVE TREES"

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March, 2019

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GRAMIN BANK OF ARYAVART QUARTERLY ROUND UP S. B. Singh

Chairman, Gramin Bank of Aryavart

ramin Banks are commercial organization with social orientations. Our GBA during the quarter ended September, 2018, has launched various programmes for business development having orientation of social, educational, economic upliftment of the command area. The major highlights of our initiatives are; i) Our Bank has received the Incredible Leadership Award for Best Performing RRB under APY, PFRDA at New Delhi on 06.07.2018. We have also received 2 more awards - Passion IRU 3HUIRUPDQFH %HVW 1RGDO 2IÀFHU DQG 6SOHQGLG 6HYHQ %HVW General Manager.

LL 7UHH SODQWDWLRQ ZDV GRQH E\ +HDG RIÀFH VWDII RQ 3DUN RSSRVLWH WR +HDG RIÀFH 1HDUO\ SODQWDWLRQV ZHUH GRQH RQ that day. iii) Our Bank has launched Free Accidental Cum Disability Insurance Scheme for all borrowers of the Bank on 04.08.2018. The occasion was graced by Hon’ble Sri Rajnath Singh, Minister of Home Affairs, Govt. of India. iv) Our Bank has celebrated the 72nd Independence Day exuberantly. On the auspicious occasion our all branches and 5HJLRQDO 2IÀFHV RUJDQL]HG FOHDQOLQHVV DZDUHQHVV FDPSV DQG donated cleanliness material to mark the ambitious “Bharat Swachhta Abhiyan” initiated by Hon’ble Prime Minister. v) Our Bank has distributed medicines, edibles and other QHFHVVDU\ JRRGV WR ÁRRG YLFWLPV RI QHDUO\ WZHQW\ YLOODJHV RI Unnao and Farrukhabad districts. vi) Our Bank has received the prestigious “SKOCH-2018” award & “Order of merit Award” of SKOCH group for insurance inclusion in Rural India at affordable cost.

YLL &KDLUPHQ RI WZHOYH 55%V YLVLWHG WKH +HDG RIÀFH RI RXU Bank to know the initiatives of our Bank in different sectors.

They also visited the Unnao district of our command area to see the working of Bank Sakhis in our Bank. viii) Bank organized a meeting for improvement in NHFDC exposure in the State. Meeting was attended by Chairman/ General Manager of RRBs/Commercial Banks. The Occasion was gvaced by Director General, DIF, Shri Shiv Singh Yadav, Convener of SLBC, Shri Ram Jas Yadav and top executives from NHFDC. ix) Participation in TV & Radio programmes and coverage in print media for wider publicity of our Bank & its schemes. x) The major activities of the Bank received good media coverage. A documentary on our Bank was also relayed by

G

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Door Darshan, Uttar Pradesh.

Uttar Pradesh is now better poised for growth momentum wherein, we are committed partner of the growth especially in rural development.

¶$U\DYDUW &RQFODYH· IRU DOO 6FDOH ,9 RIÀFHUV RI WKH %DQN ZDV RUJDQL]HG during the period of 28.04.2018 to 30.04.2018 at Staff Training College Lucknow. Brain storming session, and other banking topics were discussed to chart future road map of the Bank.

Bank has celebrated its 5th Foundation Day on 01.04.2018.

The event was graced by Vice Chancellor, Lucknow University, Shri S.P. Singh, Regional Director, RBI, Shri Ajay Kumar, General Manager, NABARD, Shri B.N Hembrane, General Manager Bank of India, Shri B. K. Mohanti, Professor of Economics, Lucknow University, Shri Mohd. Muzzamil, Chairman Gramin Bank of Aryavart, Shri S.B. Singh and other invitees & staff of the Bank.

Arranging Financial Literacy Camps in our command areas.

LLL 7KH %DQN KDV TXDOLÀHG LQ GXULQJ ÀUVW TXDUWHU vi. Participation in TV & Radio programmes and coverage in Print media for wider publicity of our Bank & its schemes. vii. The major activities of the Bank received good media coverage. A documentary on our Bank was also relayed

by Door Darshan, Uttar Pradesh.

Uttar Pradesh is now better prised for growth momentum wherein, we are committed partner of the Government especially in rural development.

Taarangan

March, 2019

63

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¨¸¸í Â&#x2026;Â&#x2122;ooÂ&#x2122;Â&#x2122;Â&#x17E; Â&#x152;Â&#x153;Â&#x201E;Ă&#x2122;Â&#x161; Â?Â&#x2122;Â&#x203A;}Â&#x2122;Â&#x203A;Â&#x2018;Â&#x2122;Ă&#x203A; Â&#x2039;Ă&#x203A; Â?Â&#x2122; qÂ&#x2122;Â&#x201A;Â&#x2122; jÂ&#x203A;ÂŚÂ&#x20AC;Â&#x2122;Â&#x2122;Â&#x201E; Â&#x2039;Ă&#x203A;Â&#x2030;Â&#x2122;Â&#x2122;Â?Ă&#x2DC;Â&#x2122;Â&#x2030;Â&#x2122; Â&#x20AC;Â&#x2122;Â&#x203A;kÂ&#x201A;Â&#x2122; }°Â&#x2026;Â&#x2122; {Â&#x2122;jÂŚ Â&#x201E;Â&#x2122;qÂ&#x2122;jÂŚÂ&#x2122;Â&#x17E;t d oÂ&#x2122;Â&#x2020;Â&#x2122; zÂ?Â&#x2122;Â&#x2030;Â&#x2122;Ă&#x203A; jÂŚÂ?Â&#x2122;Â&#x2122; d jÂŚ MARIYAM D/o Shri Tariq Khan .DQSXU =RQDO 2IĂ&#x20AC;FH 10th (ICSE) Grade- A, 91% VARUN S/o Shri Rajesh Kr Aggrawal New Delhi Zone SSC (91%) ISHIKA D/o Shri Narender Jethanandani Chief Manager Null Bazar Branch 81.20% AGNA D/o Shri Thampy John Staff Armed Guard Cochin Branch, Kerala Zone HSC (A+ Grade) SHIVAM S/o Shri Rajesh Kr Aggrawal New Delhi Zone HSC (90%) AARUSHI D/o Manish Kumar Phulre (AGM, Compliance Dept., HO) (10th CBSE)(96.8%)

STAR PARAMARSH WINNERS Â&#x201E;Â&#x17D;Â&#x161;Ă&#x2122;Â&#x161;ÂĄÂ&#x2020;Â&#x161;Â&#x2026; Shri Rakesh Kumar Gupta Hong Kong Br. 3rd Prize Online opening of PPF account through Internet Banking Shri Rahul Saini $UHD 0DQDJHU 2IĂ&#x20AC;FH Navi Mumbai Zone 3rd Prize Service charges should be recovered from customerâ&#x20AC;&#x2122;s DFFRXQW RQO\ LI VXIĂ&#x20AC;FLHQW balance is available in his charged account. In case of Zero balance lien should be marked in the charged account to the extent of recovery of service charges.

Shri Gagan Deep Singh Dashmesh Nagar Branch, Ludhiana Zone 3rd Prize Automated system should be devised to update the EMI stipulated in Term Loan accounts with every increase or decrease in rate of interest. Subsequently a letter/SMS should be automatically sent to the customer through system in this regard.

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Mr Pramit Chanda (Son of Mr Prabir Chanda, Senior Manager, Credit Monitoring Dept., ZO Bardhaman) emerged Runner-Up in the all Bengal Inter-University Chess Tournament.

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Congratulations

Ms. Rasika Koli Ms. Juhily Chokhandra Mumbai Central Branch Mumbai South Zone

$ZDUG FHUWLÀFDWH WR 6KDPVKDEDG %UDQFK Telangana Zone. Shri Suneeth Nath Reddy, Senior Manager receiving award from MD & CEO Shri Dinabandhu Mohapatra for 2nd performer in Overall Business Growth during FY 2017-18.

Reconciled and Recovered ` 28,99,158/long pending dues in our SCSS accounts.

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