Friend & Guide

From the desk of General Secretary
Dear Friends,
Revolutionary greetings to you all
We are in the midst of a historic agitation programme. Armed with the genuineness of our
just demands and energised by the repeated efforts of IBA to snub our protests, we are
getting stronger day by day. The more we are delayed of our genuine settlement, the more
vigorous and empowered becomes our struggle.
The unity of our members and the readiness with which you have all responded to the various
calls of the organisation are exemplary. History shows that long drawn struggles could be
sustained whenever the cadre leadership bondage and understanding are strong.
AIBOC & UFBU gave the clarion call to intensify the agitation, with firm faith on the members.
It is our privilege to be part of this agitation. In my three decades of career and trade
unionism, I am very happy at this moment, that we could give our members regulated
hours of working.
The branches getting closed after office hours, family members happily receiving the Officers
who return home earlier than usual, with surprise and joy, improved speed and efficiency to
finish the essential works , improved prioritizing and planning are all possible now, because
of YOUR incomparable commitment to the AIBOC call
Friends, we have a long way to go in our agitational path. Our unity and sincerity will help us
to cross any obstacle. Intensify the struggle, in the interest of the nation.
With best wishes,

G V MANIMARAN
GENERAL SECRETARY
CBOA - Friend & Guide
Oct 2014
Page 2
FRIEND & GUIDE

An e-magazine from CBOA Issue No.5
October, 2014
EDITORIAL
Editor: V. Ramaraj
Management by Panic
On behalf of Canara Bank
Officers Association, designed &
We are shocked by a recent news item that says the
published by V. Ramaraj, Editor,
'successful' Axis bank is going to 'shed' 200 consistent nonFriend & Guide, CBOA.
performers. For these corporate kings, the life of an
Please
send
your
views, officer is a plaything. In our culture, the concept of
contributions & suggestions to the employment is not just income for an individual. It is the
very existence and survival of an entire family. Aged
email ID: editorcboa@gmail.com
parents and children depend on the earning of an
Contents
employee. In most cases, we add dependent sisters,
brothers or other relatives.
Topic
Page
From the desk of Gen Secretary
Editorial
Our CBOA
Members view & CTS Tips
Our Bank
Q&A
AIBOC News
13
Regions profile
32
Tech Bits
41
RBI News
42
Relax
45
Haryana Bank Robbery
46
Policies & Guidelines
47
Family Gallery
49
ATM Free withdrawals
50
Lifestyle in India
51
Test your IQ
51
Blame it on Facebook
52
Photo Gallery
53
This is not US where government takes care of the aged,

the unemployed and the sick. Without the basic
humanity, announcing the doom of some unidentified
staff will only send panic waves.
Corporate rat race, back stabbing, name calling and
climbing the ladder on others' cost are pronounced in the
financial sector
Novels like The Incredible Banker clearly shows how the
money industry is artificially over heated for private
gains. Credit card as a cheating tool, compulsory
insurance purchase as a condition for loan facility, not
showing any social concern by way of priority, education
loans etc are the hallmark of new generation private
banks.
What right they have to brand an officer as nonperformer, is a pertinent question that comes to every
right thinking citizen.
We express our solidarity add and support to our brothers
in the new generation private banks.
Oct 2014
Page 3
Our CBOA
Website address:
www.cboa.co.in
Successful implementation of agitation programme:

All our Units from Kashmir to Kanyakumari have successfully implemented the
following agitation programme as advised by AIBOC / UFBU:
Black Badge Wearing on 10.10.2014
A massive rally at Jantar Mantar, New Delhi and all State / District Head
Quarters on 13.10.2014 at 5 p.m.
Withdrawal of extra cooperation i.e. No late sitting beyond working hours /

not attending the offices/official work on Sundays and holidays.
Country wide protest demonstrations on 17.10.2014
One day dharna at all state capitals
Releasing of Press Statements & Advertisements in newspapers on 29.10.2014
Observation of Protest Day, Badge wearing & Demonstration / Rally on

30.10.2014
All the members are being geared up by our Office Bearers and Functionaries to
intensify our agitation programme in the days to come.
We will fight till we succeed

Our Demands are just & right
Hence, ultimate victory will be ours
Oct 2014
Page 4
Achievement of Regulated working Hours:

As unanimously decided by the UFBU to withdraw all types of extra cooperation by workmen / officers with immediate effect and to boycott all meetings
called for by the bank managements after normal office hours and also not working
on Sundays & other holidays, the Work to Rule is being implemented by all our
members in our bank both in Administration and Operations.
Now, the Officers leave their Office after normal office hours, see the sunset,
have some entertainment, reach home earlier and spend time with their family.
By withdrawing of extra cooperation, we have automatically achieved our
demand of Regulated Working Hours.
Our recent monetary achievement:
Reimbursement of JAIIB/CAIIB Exam Fees (50%) and cost of study materials (100%) are
revised as under:
JAIIB: Exam Fees Rs.1349, Study Materials- Rs.1265 (Hindi), Rs.1095 (English)
CAIIB: Exam Fees Rs.1517, Study Materials- Rs.1200- Rs.1350
The above will be reimbursed for those who pass the JAIIB / CAIIB examinations in
consecutive 2 attempts.
Canara Bank Officers Cooperative Thrift and Credit Society Limited:
The 31st Annual General Body Meeting of the Canara Bank Officers Cooperative Thrift
and Credit Society Limited was held on 19th October, 2014 at Society Premises in
Chennai.
The following amendments were proposed and approved by the General Body:
The Executive Management of the affairs of the Society shall vest in the Board
of Directors consisting of 15 members (Earlier it was 11 members)
Surety Loan raised from Rs 2,00,000/-to Rs 2,50,000/-
The above amendments will come into force after getting approval from the Central
Registrar of Co-operative Society, New Delhi.
10% Dividend has been declared & directly credited to the accounts of the members
through CBS on 20.10.2014.
Oct 2014
Page 5
ESTD 1974
Phone : 044 28112454

Telefax : 044 28113151
CANARA BANK OFFICERS COOPERATIVE THRIFT AND CREDIT SOCIETY LIMITED

No 216, Royapettah High Road, Royapettah, Chennai 600 014
email: cboschennai@bsnl.in
It is managed by Canara Bank Officers Association for the welfare of the Officers community.
The Society welcomes all the Officers of Canara Bank to be its member and benefit from the
profits earned through its operations. The only condition is that the Officer should not be a
member of any other Coop Thrift & Credit Society.
A DD for Rs 110/- in favour of the Society has to be sent (Rs 100/- towards value of 10
shares @ Rs 10 each & Rs 10/- towards enrolment fee)
Thrift Contribution per month is Rs 400/- for an Officer.
Performance Highlights of the Society
1. Consitently securing coveted A Grade in inspection since inception in 1974.
2. Earning profit since beginning.
3. Declaring Dividend every year since inception.
4. No borrowing from Apex Bank, thus lending at lowest rate.
5. Instant sanction of loan.
6. Interest on Thrift Deposit @ 7% p.a.
7. Dividend on Share capital @ 10% p.a.
8. Family Welfare Assistance Rs 50,000/- (on death).
9. Air conditioned Guest Room facility for the members at low tariff.
10. A token of gesture up to Rs 5000/- will be given to the member who is withdrawing his
membership after his superannuation.
Various loan Schemes of Thrift Society available to the confirmed Officers:
scheme
Loan amount
Rate of Interest
Repayment
Renewal
Surety Loan
Rs 2,50,000/-
10% p.a.
90 months
Once in 6 months
Deposit Loan
90% of deposit
9% p.a.
60 months
Once in 6 months
Gold loan
Rs 1,00,000/-
9.5% p.a.
24 months
Festival Loan
Rs 25,000/-
10% p.a.
25 months
Vehicle Loan
Rs 50,000/-
48 months
Are you a member of our Thrift Society?

If not, please log on to our website www.cboa.co.in & download the Membership Application
Form, enroll as a member at the earliest and enjoy the facilities.
Oct 2014
Page 6
Congratulations! You have aptly covered all the points and deliberations of
Gurgaon CC beautifully. Commendable job. Keep it up. All the credit should go
to you. All the best for your future endeavors. GOOD LUCK
Smt Pushpa G Kumar, DGS, Bangalore Metro
Excellently designed new look Friend and guide.
Very informative. Please keep up the excellent work
-
Sri B Sekar, Senior Manager, Nandanam, Chennai
Very very very attractive, very very very enlightening

-
Sri Anil Kumar K, RC Member, Bangalore Metro

Excellent presentation, wonderful contents, Sir you have made Friend and
Guide so lively and superb house magazine
Kudos to you and your dedicated team. Well done
-
Sri Lakshmikanth Nayak, DGS, Mangalore
I suggest to publish the name of members who were assisted from Benevolent
Fund during the month in the magazine.
Members view
Also please publish the name of beneficiaries of Staff Welfare Schemes of

Association
-
Sri B L Maheshwari, AGS, Jaipur
All the Banks providing cheque facility to their customers have been
advised by RBI to issue only 'CTS-2010' standard cheques.
Cheques not complying with CTS-2010 standards will be cleared at less
frequent intervals i.e. twice a week up to October 31, 2014 and weekly
once on Mondays from November 1, 2014 onwards.
(Contributed by Sri A Nagarajan, Senior Manager, Accounts Section, Madurai)
Oct 2014
Page 7
CTS Tips
Non CTS Cheques
Website address: www.canarabank.com
STAFF STRENGTH as on 31 October 2014

SCALE
TOTAL
CHIEF GENERAL MANAGER / GENERAL MANAGER
50
DEPUTY GENERAL MANAGER
119
ASSISTANT GENERAL MANAGER
365
DIVISIONAL / CHIEF MANAGER
955
SENIOR MANAGER
2442
MANAGER
5705
OFFICER
1489
22382
14235
SPECIAL ASSISTANT
882
CLERK
19793
SUB-STAFF
8633
PART TIME EMPLOYEE
29310
GRAND TOTAL
53181
Time Norms for Personal Loans

Sl
No.
Time Norms*
Nature of Credit facilities
Sanctions at Branch/
RAH
Sanctions at
Circle
Sanctions at HO
Housing Loans upto Rs. 25 lacs
21 days
30 days
6 to 8 weeks
Housing loans above Rs. 25 lacs
30 days
45 days
8 to 9 weeks
Canara Rent
NA
45 days
8 to 9 weeks
Canara Mortgage / other Mortgage

based loans
NA
45 days
8 to 9 weeks
Canara Jeevan
NA
45 days
NA
Canara Vehicle
7 days
15 days
2 to 3 weeks
Canara Budget
7 days
15 days
2 to 3 weeks
*Number of working days/weeks from the date of submission of all required documents.
Oct 2014
Page 8
Q&A
Q: 1. One Medium Branch of our Region headed by a Middle Management Grade Scale
II Manager, has been upgraded as Large in May 2014. Whether the Scale II
Manager heading the upgraded Large branch is eligible for Officiating
Allowance?
- Sri R Raghavendran, Regional Secretary, Coimbatore
Q: 2. On promotion from JMG Scale I, one Middle Management Grade Scale II
Manager has been posted to head a Large branch of our Region. Whether the
Scale II Manager heading the Large branch is eligible for Officiating Allowance?
- Sri A S Bhat, Regional Secretary, Mangalore
A: In terms of Regulation 23(vi) of Canara Bank (Officers) Service Regulations, 1979,
Provided that, where an Officer comes to officiate in a higher scale, as a

consequence solely of the review of the categorisation of posts under
Regulation 6, he/she shall not be eligible for the Officiating Allowance for a
period of one year from the date on which the review of the categorisation
takes effect
As such,
1. The Scale II Manager heading a branch upgraded as Large in the current year,
is not eligible for Officiating Allowance for a period of one year from the date
of up gradation. In case, the Scale II Manager continues to head that Large
Branch in the succeeding year, he will be eligible for Officiating Allowance.
2. The Scale II Manager posted to head an existing Large branch, is eligible for
Officiating Allowance.
It is always better to get prior permission from the concerned Circle Office before
officiating in a higher scale or exercising the sanctioning powers as applicable to the
categorization of the branch.
Oct 2014
Page 9
CATEGORIZATION OF BRANCHES:
[
In terms of Regulation 6 of Canara Bank (Officers') Service Regulations, 1979,

categorization of branches has to be undertaken by the Bank, every year, in the
month of May, taking into account the Average Business position for the previous two
years.
The revised norms for categorization of branches are as under:
BUSINESS PARAMETERS
(AVERAGE AGGREGATE DEPOSITS &
ADVANCES)
CATEGORY OF
THE BRANCH
INCUMBENCY
NORMS
Scale I Officers
(with a minimum
of
4
years
service
as
Officer)
Up to Rs 5.00 Crores
Small Branch
Above Rs 5.00 Crores up to Rs 25.00 Crores
Medium Branch
Scale II Officers
Above Rs 25 Crores up to Rs 75 Crores with a

minimum advances of Rs. 10 crores & above
Large Branch
Scale III Officers
Above Rs 75 Crores up to Rs 250 Crores with a

minimum advances of Rs. 25 crores & above
Very Large Branch
Scale IV Officers
Above Rs 250 Crores up to Rs 1000 Crores with

a minimum advances of Rs. 100 crores & above
Exceptionally
Large Branch
Scale V Officers
Above Rs 1000 Crores with a minimum advances

Premier Branch
of Rs. 750 crores & above
Scale VI Officers
The above revised norms for categorisation of Branches are effective from the
year 2009 vide HO Circular 43/2009 dated 02.02.2009
Oct 2014
Page 10
DELEGATION OF POWERS FOR CREDIT SANCTIONS:

In terms of Clause 1.2 of HO Circular 268/2014 dated 17.05.2014, some of the
essential principles governing application of the scheme of delegation of powers for
credit sanctions are as under:
(xv) Branches are categorized as Small, Medium, Large, Very Large, Exceptionally
Large and Premier branch for the purpose of exercising credit sanctioning powers.
In case any authority in a higher scale is heading a branch, the official can exercise
sanctioning powers delegated to his / her designated authority only on specific
delegation accorded by the C&MD of the Bank. Till such time the sanctioning powers
normally delegated based on the Branch category can only be exercised.
Similarly, in Circle Offices also, in case any authority in a higher scale is heading the
Circle, the official can exercise sanctioning powers delegated to his/her designated
authority/CAC only on specific delegation accorded by the C&MD of the Bank. Till
such time, the sanctioning powers normally delegated to the respective CAC at Circle
can only be exercised
[
(xvi) In case of recategorisation to a lower category, till the higher designated official
is withdrawn he / she shall continue to exercise the credit sanctioning powers
delegated to him / her.
(xvii) Credit sanctioning powers of the lower authority do not derogate the
sanctioning powers of any higher authority. In other words, a higher authority can
sanction loans/advances that fall under the sanctioning powers of a lower authority.
However, the higher authority shall not exercise the sanctioning powers of a lower
authority unless there are compelling reasons for such exercise and it is specified so
while sanctioning.
(xviii) A lower authority must not sanction any credit limit / facility even against 100%
cash margin, when A lower authority must not sanction any credit limit / facility even
against 100% cash margin, where sanction of other related facilities fall within the
sanctioning powers of higher authorities and / or where sanction of such limits
automatically or impliedly entails sanction of other facilities by higher authorities.
Oct 2014
Page 11
(xix) The delegated credit sanctioning powers prevailing on the date of sanction shall
be the criteria for determining the credit sanctioning powers of an authority. This
stipulation will apply regarding any sanctions requiring ratification also.
(xx) Consequent upon any revision in credit sanctioning powers, if the facilities earlier
permitted by a higher authority fall under the revised sanctioning powers of a lower
authority, further follow up of such borrowal accounts including exercise of
sanctioning powers shall be by the concerned lower authority. Similarly, if any of the
limits / sub limits exceeds the sanctioning powers of a particular authority, all further
limits shall be considered by the competent higher authority and for follow up
thereafter.
(xxi) It is not permissible to allow customers to avail themselves of facilities in
anticipation of sanction by higher authorities.
(xxii) Branches / offices should not permit issuance of Letter of Guarantee taking for
opening a revolving line of credit in favour of contractors without proper sanction.
(xxiii) Wherever sub-limit is not indicated against a particular nature of credit facility
the respective sanctioning authority can exercise the delegated powers within the
maximum powers (per borrower) indicated at item I of the Charts.
(xxiv) Discount / negotiation of bills drawn under FLCs of Prime Banks are subject to
guidelines issued in this regard and the sanctioning powers are as indicated in the
charts.
(xxv) In case any type / category of credit facilities are specifically advised to be
provided at specified branches the same may be adhered to.
Disclaimer: The views expressed above are not the views of CBOA. Officers are
requested to refer the relevant Regulation / Circular / Memo / Manual for
authentication on the above matter. CBOA & the Editor will not be responsible for any
omission or commission.
************
Oct 2014
Page 12
AIBOC News
Website address:
www.aiboc.org
Circular No. 2014/63
Dated: 01/10/2014
INCENTIVES TO OFFICERS POSTED TO NORTH EASTERN REGION REVISION

We are very pleased to inform you that the Government has not only substantially
enhanced the amount of incentives of Rs. 1,600/- per month, which was hitherto paid
only to the officers from outside North Eastern States but has also permitted this
allowance to local officers. The revised guidelines which have already been conveyed
vide D.F.S Letter No. 4/4/2/2001-IR dated 26th September, 2014 (Copy attached) to
all the banks is as under:
i. The incentive shall be 20% of basic pay with minimum Rs. 3000/- pm and maximum
Rs. 7500/- p.m.
ii. Officers belonging to a State in North Eastern Region but posted in other States of
North Eastern Region shall also be eligible.
Circular No. 2014/64 Dated: 01/10/2014
SCHEME OF APPOINTMENT ON COMPASSIONATE GROUNDS IN PUBLIC SECTOR BANKS
Our members are aware that the scheme of appointment on Compassionate grounds
was circulated by the IBA to the member banks on 11th August, 2014, after its
clearance from the Government and was made applicable with effect from 5th
August, 2014. With the implementation of the scheme of appointment on
Compassionate grounds, the provision of payment of ex-gratia in lieu of
Compassionate appointment was discontinued. On inquiry from many member banks,
the IBA referred the matter to the Government to seek clarifications regarding
disposal of applications pending under the old scheme i.e. ex-gratia in lieu of
Compassionate appointment.
The department of Financial Services vide their Letter F.No.18/2/2013-IR dated 8th
September, 2014, has advised the IBA that ex-gratia has been discontinued only from
5th August, 2014, and all cases for ex-gratia pending before 5th August, 2014, shall
Oct 2014
Page 13
not be affected by the new scheme. The Government has also directed the IBA to
settle all those pending cases at the earliest.
The decision / clarification of the Government has been conveyed by Indian Banks
Association to all Public Sector Banks on 30th September, 2014.
Dated: 07/10/2014
14th BIENNIAL CONFERENCE AND 33RD GENERAL BODY MEETING OF LAKSHMI VILAS
BANK OFFICERS ASSOCIATION
The 14th Biennial Conference and 33rd General Body Meeting of Lakshmi Vilas Bank
Officers Association was held successfully at Trichy on 2nd and 3rd October, 2014.
Dated: 09/10/2014
UNDUE AND UNJUSTIFIED DELAY IN SALARY REVISIONCONFEDERATION MAKES A

CLARION CALL TO INTENSIFY THE AGITATION
The 74th Executive Committee Meeting of our Confederation was held in emergent
circumstances at New Delhi on 8th October, 2014
Considering the views of the House, the following action programme was unanimously
decided by the Executive Committee:
-Black Badge Wearing (All members must tie a black ribbon on the left
arm)
-A massive rally at Jantar Mantar, New Delhi and all State H.Q. at 5 p.m.
Withdrawal of extra cooperation i.e. No late sitting beyond working hours / not
attending the offices/official work on Sundays and holidays.
-Country wide protest demonstrations, jointly with UFBU constituents
- One day dharna at all state capitals
(Date shall be decided by the State Unit of UFBU)
-The Press Statements / Releases / Advertisements in newspapers to
mark the second anniversary of submission of Charter of Demand & massive rallies and
demonstrations in all State Headquarters.
Oct 2014
Page 14

BLACK BADGE WEARING - A GRAND SUCCESS !
LET US MOVE AHEAD TO INTENSIFY OUR STRUGGLE !!
Every step toward the goal of justice requires sacrifice, suffering, and struggle;
the tireless exertions and passionate concern of dedicated individuals.
We once again urge all our Affiliates to mobilize all our members, involve all other
Constituents and show the IBA and the Government our resolve, Unity and Solidarity
for achieving our long pending Salary settlement and other residual issues by
implementing the agitation call of UFBU as well as of our Confederation to intensify
our struggle.
Dated: 13/10/2014
SCHEME OF APPOINTMENT ON COMPASSIONATE GROUNDS IN PSBs - Clarifications:-
Oct 2014
Page 15
Oct 2014
Page 16
Oct 2014
Page 17
Oct 2014
Page 18

AGITATIONAL PROGRAMME -PROPELLING THE MOVEMENT
MOVE AHEAD ! RELENT NOT TILL THE GOAL IS ACHIEVED !!
We are extremely happy that call of the Confederation evoked unprecedented
response! Massive demonstration and rallies were reported from all over the country.
Reports from Mumbai, Thiruvananthapuram, Chennai, Ahmedabad, Jaipur, Patna,
Bhopal, Bangalore, Chandigarh, Pune, Nagpur, Lucknow and North East States along
Oct 2014
Page 19
with video clippings and pictures, need volumes to describe the success of the
programme.
Jantar Mantar in Delhi witnessed unparallel participation of more than 1500 Officers
at the call of AIBOC alone, creating a new history ! None of the agitations held during
the time immemorial witnessed such massive gathering at so many centres, despite
the joint calls of UFBU.
Oct 2014
Page 20
Dated: 14/10/2014
UFBU decides to intensify the Agitation

All India Strike on 12th November, 2014
Relay Zonal Strikes from 2nd to 5th December, 2014
Withdraw Co-operation to the Managements
DEMANDING EARLY AND BETTER WAGE REVISION SETTLEMENT

In this background, UFBU meeting was held today in Bengaluru to chalk out the
programmes and after due deliberations, the following further programmes have
been decided upon:
29th October, 2014
Press Meet at all State Capitals and major centres

(Press Note of UFBU, to be released by all the
constituent unions, will be sent in due course)
30th October, 2014
All India Protest Day
Badge Wearing
Demonstrations/Rallies at all Centres
11th November, 2014
Centralised Demonstrations at all Centres
12th November, 2014
ALL INDIA ONE DAY PROTEST STRIKE
2nd December, 2014 to

5th December, 2014
To be followed by
Relay Zonal Strikes
Further Strikes including Indefinite Strike
It was also decided unanimously by the UFBU to withdraw all types of extra cooperation by workmen/officers with immediate effect and to boycott all meetings
called for by the bank managements after normal office hours. The meeting also
decided against working on Sundays and other holidays.
Oct 2014
Page 21
The schedule of Relay Zonal Strikes is as under:
02.12.2014
Southern Zone consisting States of Andhra Pradesh,

Karnataka, Kerala, Tamil Nadu, Telengana and Union
Territories of Lakshadweep and Puducherry.
03.12.2014
Northern Zone consisting States of Chattisgarh, Haryana,

Himachal Pradesh, Jammu & Kashmir, Madhya Pradesh, New
Delhi, Punjab, Uttar Pradesh, Uttaranchal, Rajasthan and
Union Territory of Chandigarh
04.12.2014
Eastern Zone consisting States of Bihar, Jharkhand, Odisha,

Sikkim, West Bengal, North Eastern States and Union
Territory of Andaman & Nicobar Islands
05.12.2014
Western
Zone consisting States of Goa, Gujarat,
Maharashtra and Union Territories of Daman & Diu

STAND UP FOR YOUR RIGHT !
MOVE ON TILL LAST MILE !!
Please refer to our Circular Nos. 2014/66, 2014/67, 2014/69 and 2014/70 dated
09.10.2014, 11.10.2014, 13.10.2014 and 14.10.2014 respectively, with regard to the
action programme decided by our Confederation and UFBU in protest against undue
delay in Salary Revision of Bank Officers and Employees.
While we take this opportunity to once again convey our satisfaction and
thanks to all Affiliates / State Units / members for successfully continuing with the
agitation programme, we also caution all of you not to be complacent. Every new day
should start with renewed zeal, enthusiasm and vigour to ensure the successful
implementation of the agitational programme, call for which has been given by UFBU
after incorporating our suggestions and programme.
Oct 2014
Page 22

UFBU SPECIMEN OF POSTER AND BADGE
The specimen of the Poster
The Specimen of Badge
Circular No. 2014/73 Date: 20/10/2014

AGITATIONAL PROGRAMME
TRAVERSING THE PATH OF STRUGGLE
We refer to our previous Circulars on the captioned matter, detailing our action
programme for early Salary Revision and reports of successful implementation. We have
been forced to choose the path of agitation due to callous and adamant attitude of IBA
and the Government
Comrades, though till date, there is no breakthrough in the stalemate and a tunnel of
struggle appears long, but we are confident with our resolved unity and solidarity, the
light of hope is not afar !
AGITATIONAL PROGRAMME
DRIPPING WATER HOLLOWS OUT STONE,

NOT THROUGH FORCE BUT THROUGH PERSISTANCE
Oct 2014
Page 23
Please refer to our various Circulars issued on the agitationalprogramme, keeping you
updated about the progress in implementation,on the basis of reports received from
various Affiliates / State Committees. We appeal to all our Affiliates/ State Committees
to keep a continuous follow up and vigil over the implementation so that there does not
remain any weak link in our strong chain of militancy.
We are happy to inform that one of the Award Staff Union, NUBE, which is not part of
UFBU, has agreed to participate and implement common call of the UFBU. Comrades,
let us stay together with an iron like determination to stay firm to common grounds and
not to deviate from the common path of struggle to achieve our just and fair demands
and we are sure the success will welcome us as we cross the bend of the path, hand in
hand !
Dated: 27/10/2014
NOTICE OF STRIKE
Dated this day of 21st October, 2014
To
The Chairman,
Indian Banks
Association, World
Trade Centre, Cuffe
Parade, Mumbai.
Sir,
In accordance with the provisions contained in sub-section (1) of Section 22 of the
I.D. Act 1947, we hereby give you notice that the members of all the constituent
unions of
United Forum of Bank Unions ( AIBEA, AIBOC, NCBE, AIBOA, BEFI, INBEF,
INBOC, NOBW, NOBO) propose to go on one days strike on the 12th November,
2014 and Relay Zonal Strikes from 2nd December 2014 to 5th December 2014 as per
details hereunder:
02.12.2014 Southern Zone
04.12.2014 Eastern Zone
03.12.2014 Northern Zone

05.12.2014 Western Zone
Oct 2014
Page 24
Demanding:
IMMEDIATE SETTLEMENT OF WAGE REVISION
The details of the programme and the Statement of the case are furnished
herein.
Sd/(M.V.
MURALI)
CONVENOR
STATEMENT OF THE CASE:

DEMANDING IMMEDIATE WAGE REVISION SETTLEMENT:
Wages and service conditions in the banking sector are governed by the
industry-level bipartite settlements signed between the Indian Banks Association (IBA)
and the workmen unions and officers associations operating in the banking industry.
All the banks which have given mandate to IBA to negotiate on behalf of them are
parties to the settlements. United Forum of Bank Unions (UFBU), representing five
workmen unions and four officers associations, is currently negotiating with IBA for
revision of wages to bank workmen/officers.
The wage revision for bank employees is due from 01.11.2012 subsequent to the
expiry of the last Bipartite Settlement on 31.10.2012. The common charter of
demands, separately for workmen and officers, were submitted by UFBU to IBA on
30.10.2012 i.e., before the expiry of last bipartite settlement.
UFBU has been requesting, since the start of negotiations, for a time-bound approach
to hold the negotiations on its demands and for conclusion of wage settlement within a
reasonable time. But the IBA has inordinately delayed the negotiation process and
there is no significant progress in the wage negotiations despite a lapse of nearly two
years time.
IBA is quoting the reason of non-affordability of banks and is stubborn in its offer of
11% increase in pay slip components, as against the demand of UFBU for a
respectable settlement with due consideration of the difficulties that are faced by the
employees on account of high rate of inflation, which has eroded the salaries of the
employees to a great extent.
Oct 2014
Page 25
Bank employees, workmen and officers, have been performing well despite severe
stress due to substantial increase in workload in the banks due to inadequate staff
strength and on account of opening of many branches under Financial Inclusion and so
on. Bank employees never lagged behind in the successful implementation of all
Government sponsored programmes/schemes, including the recently implemented
Prime Ministers Jan Dhan Yojna. However, the bank employees are not being paid
adequately.
HENCE, THIS DEMAND FOR IMMEDIATE SETTLEMENT OF WAGE REVISION.

JOINT FORUM OF OFFICERS ORGANISATIONS OF CENTRAL PUBLIC SECTOR
UNDERTAKINGS JOINT RALLY / MARCH TO PARLIAMENT ON 9TH DECEMBER, 2014
Please refer to our communications advising you about formation of
CoordinationCommittee of Public Sector Undertakings on 7th June, 2014, holding of
two days workshop on 16th & 17th August, 2014 at New Delhi, which was attended by
10 office bearers of AIBOC, and organizing seminars at six different centres during
October and November and also to organize a March to Parliament in the month of
December, 2014.
A meeting of the Joint Forum of Officers Associations of Public Sector Units was held
in the Central Office of AIBOC on 22nd October, 2014 to review the progress of the
decisions taken by the committee. The meeting which was held under the
convenership of Com. K. Ashok Rao, Chairman of NCOA and also representing AIPEF,
Com. Harvinder Singh, General Secretary, AIBOC, Com. K. Sebastian - representing
SNEA and Com. V.K.Tomar - representing NCOA and MTNLEA.
The undersigned welcomed the members as host and expressed his satisfaction that
the idea of forming a Joint Forum has been well received by the members of the
constituent Federations. He also informed that Seminar organized by AIBOC Tamil
Nadu state unit at Chennai was a grand success and preparation of holding joint
conferences and seminars by Andhra Pradesh State Unit are in process.
Com. K. Ashok Rao briefed the meeting about the progress of implementation of the
decision taken to hold Joint Seminars in various cities. He informed that Chennai
AIBOC had organised a Joint Forum Seminar at the SBIOA School, Anna Nagar on the
5th Oct. 2014. It was addressed by Shri Venkatesh Attreya former Vice Chancellor
Bharti University, Tiruchi and representatives of NCOA, AIBOC, AIPEF, SNEA, NABARD,
RBI regarding the state of the Indian Economy and the various sectors as well as the
status of the public sector units.
Oct 2014
Page 26
A preparatory meeting held on the 19th October, 2014, at Bangalore decided to hold
the Joint Forum Seminar on Saturday the 22nd November, 2014, subject to availability
of auditorium. Preparations for Seminar on Sunday the 23rd November are in full
swing and its progress was reviewed in a meeting of joint forum held on the 20th
October 2014. It was also informed that programme in Lucknow shall be finalized
after return of Com. Shailendra Dubey- AIPEF in the first week of November and
tentative schedule for the Joint Forum Seminar was decided for Second or Third week
of November 2014. Com. V.K. Tomar informed that Joint Forum Seminar in Mumbai
can be organized on Sunday the 29th Nov. 2014.
It was decided to hold a Joint rally of the Forum at Jantar Manter/ Sansad Marg on
the 9th December, 2014 i.e. during the winter session of the Parliament. The
preparations required for the rally were also discussed.
Meeting also deliberated on the requirement of permission from the Police Authorities
for the proposed March, the names of the Trade Union leaders/ MPs who should be
invited to address the rally, Issues to be included in the Memorandum to the Prime
Minister and the Press Statement, Slogans to be raised at the rally and other
arrangement to be made for the rally.
In order to enable all our office bearers to participate in the historical March, we
propose to hold working committee meeting of our Confederation on 8th December,
2014.
However, the notice will be issued after finalisation of the date and arrangements for
the March, in couple of days. We seek your suggestions about the speakers and issues
which should be included as a part of the programme, from the point of view of our
Confederation.
Circular No. 2014/77 dated: 31/10/2014
AGITATIONAL PROGRAMME DHARNAS/RALLIES/DEMONSTRATIONS ON 30TH
OCTOBER 2014 ANOTHER MILESTONE IN THE STRUGGLE PROGRAMME
Comrades, once again we convey our salutation for successful completion of another
milestone of the struggle programme in an unprecedented manner. Our fraternity has
once again proved their militancy, solidarity and commitment to the common cause.
We have received reports from all corners of the country and the zeal and enthusiasm
reflected are very encouraging and heartwarming. Reports have been received from
following cities/ centres, which need special mention for your information.
The historical place and hub of dharnas, Jantar Mantar right in the heart of the
capital of the country, Delhi, witnessed our massive show of strength exhibited by
Employees and Officers of Banking Industry. It was a colourful mixture of young and
senior, male and female, officers and workers of small and big banks, having gathered
to vent out their disappointment, anguish and frustration due to unjustifiably cold
responses and undue delay of IBA and Government on the long pending issues of
Oct 2014
Page 27
Wage negotiation process. Apart from speakers of AIBOA, NCBE and AIBEA, the main
speaker was Com. Harvinder Singh, the General Secretary of the Confederation. In his
short address, he conveyed the salient and significant factors justifying our demands.
He very vociferously elucidated the justification of our demands by highlighting the
disparity in pay scales vis-vis our counterparts in Government jobs. Amongst more
than 1500 members, largest proportion was that of our Confederation, including
hundreds of lady comrades. The event was covered by the prominent news agencies
like PTI and UNI.
The Commercial Capital of our Country, Mumbai city was another important centre,
which saw passionate activities of Trade Union Movement. The Dharna organized by
UFBU at Azad Maidan near CST Railway Station was a resounding success. It was
another excellent show of unity and solidarity by constituents of UFBU. AIBOC leaders
Com. Dilip Saha, Senior Vice President, Com. Sanjay A Manjrekar and Com. Ramkumar
Sabhapathy along with 300 more members of AIBOC out of one thousand participants,
sat for Dharna from 11 am to 5 pm.
In another important cosmopolitan city, Bangalore, the protest / demonstration was
held at Sate Bank of Mysore, Head Office, which was participated by more than 700
comrades. Prior to this, on 28.10.2014, more than 300 officers and award staff
participated in Dharna organized at Vijaya Bank, Head Office, at Bangalore and was
widely covered by local news channels.
The militant State for Trade Union activities, West Bengal arranged a demonstration
at Dalhousie, Traffic Island, Kolkata, where more than 500 members were present.
The whole event was widely covered in almost all the local media. UFBU had also
organized a Press Conference on 29.10.2014 at Press Club, Kolkata which was
addressed by Com. Sanjay Das, Secretary of WBSU of AIBOC. The demonstration was
conspicuous with the hallmark of Trade Unions i.e. carrying of red flags by the
demonstrators.
Demonstration at Chennai, another city known for its militant trade union activities,
was equally massive and successful and more than 2000 members gathered at
Syndicate Bank, Annasalai, near VGP Square to mark their protest.
The State of Gujrat, which has off late gained an increased national importance for
being the State of our present Prime Minister, Shri Narendra Modi, was nowhere
behind in marking the presence with the strong protest organised. A massive
demonstration was held by UFBU at Vijaya Bank premises, Navrangpura, Ahmedabad
in which more than 1000 members were present. After ranting of forceful slogans,
leaders from UFBU addressed the gathering including Com. P.S. Jadeja representing
AIBOC. He decided to hold the next demonstration on the strike date of 12th
November, 2014, at OBC Bank, Ashram Road which is the heart of the city,
Ahmedabad.
Oct 2014
Page 28
At Thiruvananthapuram, the Mecca of Trade Union in India, a huge rally was organized
and despite bad climate, more than 1000 comrades from various constituents of UFBU
participated in the rally, which started from Pallayam to SBT main branch near
Secretariat. The meeting was addressed by the prominent leaders including
Com. C. Rajkumar, Vice President, AIBOC and Com. Abraham Shahji John, the State
Secretary, AIBOC.
We are happy to share reports received from other important cities of the country
which are equally encouraging:
Jaipur, another heritage city was also reflection of dynamism of members of various
constituents of UFBU. The demonstration was held at Allahabad Bank Zonal Office,
Ambedkar Circle, Jaipur, wherein more than 500 members participate. The
demonstration was distinct because of participation of RBI and LIC young leaders as
well.
The another bordering city of Rajasthan i.e. Ganganagar situated at the border of
Pakistan, Punjab and Haryana had a unique way of lodging protest by organizing the
candle light march participated by more than 200 members.
The only planned city of India, Chandigarh organized demonstration in front of Bank
of India, Main Branch, Bank Square, Chandigarh, where hundreds of officers and
award staff were present apart from AIBOC State Secretary, State President of State
Bank of India and AIBEA State Vice President.
Goa, a city of international tourist attraction, hundreds of comrades assembled at
Azad Maidan opposite Bank of India, Panaji Branch, Goa to lodge their protest.
In Jharkhand, demonstration was held at all Zonal Offices of Bank of India after a
mammoth rally of UFBU at Firayalal Chowk. There were more than 500 participants in
the demonstration and although 30 minutes of time was given by administration, the
main roads remained captured for more than 1.30 hours by the bankers to express
their agony and solidarity. The gathering was addressed by all prominent leaders of
UFBU. The common press release of UFBU was given in prominent newspapers of
Jharkhand.
The various centres in Maharashtra also witnessed the anger of Bank employees.
Massive successful demonstrations were held at Bank of India Zonal Office, Pune and
Kolhapur Main Branch, Bank Street at Solapur, Ratnagiri Zonal Office of Bank of India,
Sangli Bus Stand, Aurangabad Kranti Chowk and Nasik Main Street. UFBU leaders
addressed at all centres.
At Jabalpur, a massive demonstration was organized at Civic Center, participated by
more than 300 members. We reiterate our affiliates to ensure implementation of the
programme of withdrawal of extra cooperation which is part of agitation decided by
UFBU. Not attending office on Sundays / holidays and not sitting late beyond working
Oct 2014
Page 29
hours should continue till further decision. This call applies to IBPS tests, special
camps organized for opening of accounts, official meetings etc. we must achieve our
demand of regulated working hours through this agitation programme itself.
Meanwhile, in the recent development, Central Labour Commissioner, has invited
UFBU for conciliation meeting with IBA on 5th November, 2014 in his office. This is a
routine exercise which CLC undertakes to defuse the situation and always takes place
before any strike call and call upon our members to continue with our struggle
programme relentlessly. With the present attitude of IBA there is absolutely no hope
for any conciliation. March on comrades with the declared programme.
Our GS & Other Banks leaders in AIBOC demonstration at Chennai on 13.10.2014
Oct 2014
Page 30
Our GS & VP in AIBOC Rally & Meeting at Coimbatore on 30.10.2014
Oct 2014
Page 31
Regions profile
BADRINATH
KEDARNATH
Region
Dehradun
State
Uttrakhand
CBOA Office
Branch /Office
Canara Bank
Welaham Boys School
Curson Road
Dehradun
Address for
communication
Phone No with STD

code
0135-2711735
Mobile No
08755032399 J S Chauhan & 09897576005 of I S Parmar
E mail ID
chauhanjs1959@gamail.com & parmaris18@gmail.com
Oct 2014
Page 32
Details of own Premises
No Own Premises
Scale I
Scale II
Scale III
Total
157
57
26
240
157
56
26
239
No of Branches
(as on 30-09-2014 )
Rural
Semiurban
Urban
Metro
Total
29
23
22
74
Business position
(Rs in crores)
(as on 30-09-2014 )
Deposits
Advances
Total
CASA share
1564.35
Crore
746.71
Crore
2311.08
Crore
662.83
Crore
Total no of Officers
(as on-09/10/2014)
CBOA members
Circle Head
Staff Position
(as on 09-10-2014 )
RSTC if any
MrJagjit Singh, Asst General Manager

Executives
Officers
Workmen
Total
240
208
531
No RSTC in our Circle

Speciality in Hilly areas of Uttarkhand
Specialty of the Region
Uttrakhand is India's new state carved out of Uttar Pradesh. It is mostly a

hill state with Himalaya as its pillow. It has two areas Garwhal and Kumaon
hills. Ganga Yamuna are two famous rivers of India. They emanate from
the glasiers and Gangotri and Yamnotri flow through Uttrakhand passing
through various cities of India, finally join the Indian ocean.The most sacred
temple of India - Kedar Nath and Bedri Nath are visited by millions of
pilgrims each year to pay obeisance.
India's religious sect sikhs have their famous temple Hemkund at a height of
4000 meters beside a lake where Guru Govind Singh, the tenth Guru in his
previous incernation did his tapasya for the Almighty. Thousands of
devotees go every year from May - Sep to pray at his shrine. Base station is
Joshi Math, From here you can trek into valley of flower also.
Oct 2014
Page 33
Dehradun is the capital of Uttrakhand, It is connected to Delhi from Jolly

Grant airport and Presently has 3 flights a day. Dehradun is the rail head for
Garhwal Himalaya with direct train from Delhi is 0700 a.m. to reach
Dehradun at 1250 p.m. and return - leave at 17:00 to arrive Delhi by 22:30
p.m.It has A/C execuive class and ordinary chair. Number of other
trains also connect it to various cities of India.

Kumaon hills are full of lakes - are known as tals; Mainital, Bhimtal etc.
Nainital is a frequently visited hill station and is connected by air from Pant
Nagar - Kathgodam is fail head and is connected again to Delhi and Eastern
India.Kumaon has the famous Corbett wild Life Park, where you
can shake hands with a tigers.

Almora - Rani Khet are the hill station. Her you have a village resort where
you can go for a complete relaxation.For those wanting a modern health
resort, we have Ananda a world class spa about 45 km from Dehradun. It is
reachable from Haridwar and Jolly Grant airport. To be here, you
rejunivate the body and mind - organic food is only served.
Milam and Palam are the Glaciers near the China Border, through Lipu Pass
you go to Kailash and Mansor, our Lord Shiva's adobe in China.
Pilgrims go in the month of May - June -July
Details of Banks
Holiday Homes & other
guest houses
CBOAs Holiday Home
Connectivity (by road /

rail / air / ship)
There are three Holiday Homes, one is at Mussoorie and second

one is at Hardwar and third one is at Nainital.
No
By road, by train and by air too.

Places to See in uttarakhand
Mussoorie
Places of interests in &

around the Region
Mussoorie is located 34 kilometer away from Dehradun at an

altitude of 2003 meter in the Garhwal hills above sea-level.
Mussoorie is a fascinating hill station in India. Major Hindu
pilgrimage spots like Kedarnath, Gangotri, Badrinath,
Haridwar, Yamunotri and Rishikesh are not far away from this
place.
Oct 2014
Page 34
Ranikhet
Ranikhet of Uttarakhand won the heart of the queen of Raja
Sudhardev, Rani Padmini and she chose this scenic spot to be
her home. Therefore, it is named so (the queen's field). It
offers its visitors the best of the Himalayas including the
snowcapped Nanda Devi (7817 meter) and lush green forests
and varied wildlife.
Kumaon
Kumaon in Uttarakhand is a popular tourist destination with
snow-capped mountains, valleys, glaciers, Alpine meadows,
lakes, and forests. Along with Garhwal, it is one of the two
divisions of the state. Kumaon is made up of the six
Himalayan districts, namely Almora, Champawat, Bageshwar,
Pithoragarh,
Nainital,
and
Udham
Singh
Nagar.
Nainital in Kumaon: It is located at a height of 1938 meter.
Its major attractions are:
o
o
o
Dorothy's Seat
China Peak
Hanuman temple
Nanda Devi
In India, Nanda Devi is the second highest mountain. It is a
portion of the Garhwal Himalaya. It is situated between
Goriganga valley in the east and Rishiganga valley in the west
within the state of Uttarakhand. The mountain peak is
considered the patron-goddess of Uttarakhand Himalaya.The
major attraction of Nanda Devi in Uttarakhand is trekking and
Nanda Devi National Park.
Dehradun
Dehradun nestled in the Doon Valley is a picturesque city
with mild climate. It is the capital of Uttaranchal, and is
located at a height of 2200 feet above sea level. It is a
popular tourist destination in Uttarakhand. Dehradun in
Uttarakhand probably derives its name from Guru
Dronacharya in the Mahabharat. The famous religious town of
Rishikesh, the queen of hills Mussoorie, the renowned sulphur
springs at Sahastradhara and a part of Rajaji National Park,
the Chakrata hills all lie in this region.
Kausani
It is situated 53 kilometer to the north of Almora. The
spectacular 300 kilometer-wide view of the Himalayas makes
Oct 2014
Page 35
Kausani a picturesque hill station. Kausani of Uttarkhand is

located above a narrow ridge at a height of 6075 feet above
sea level. Kausani is often compared with Switzerland for its
scenic
beauty.
Haridwar
Haridwar in Uttarakhand, 294.70 meters above sea level, is
situated along the right bank of the sacred Ganga and
comprises one of the most popular Hindu pilgrimage sites.
Haridwar or the 'Gateway to Gods' is termed Mayapuri, Kapila
and Gangadwar. The Ganga enters the North Indian plains
here. Hindu pilgrims and devotees assemble at Haridwar of
Uttarakhand to offer prayers on religious occasions.
Haridwar at Uttarakhand also serves as a venue for the
Kumbh Mela (every twelfth year) and Ardh Kumbh ( every
sixth year). However, it is not only the haunt of ascetics and
saints, it is also a focus of arts, science and culture. It holds
industrial importance as it contains one of the biggest
industrial
clusters
of
UttaranchalSIDCUL.
A trip to Haridwar is like venturing into a completely
different world, where the sparkling waters of the Ganga, the
calm environment, steep mountains, saints offering prayers in
ashrams, all form a wondrous panorama. Several temples and
ashrams dot this town.
Pantnagar
Pantnagar is presently famous for housing the first
agricultural university of India. Initially, it was called Uttar
Pradesh Agricultural University, but its current name is
Govind Ballabh Pant University of Agriculture & Technology.
Pantnagar is situated in the district of Udham Singh Nagar. It
stands at a height of 243.8 meter above the sea level.
Rishikesh
Rishikesh is located about 43 kilometer away from Dehradun
and 245 kilometer away from Delhi. Rishikesh stands at a
height of 365 meter above the sea level. The Shivalik range of
the Himalayas borders Rishikesh on three sides, which adds to
the scenic beauty of this sacred place. It is the beginning
point of Char Dham Pilgrimage (Yamunotri, Gangotri,
Kedarnath,
and
Badrinath).
Nainital
Nainital in Uttarakhand is a beautiful hill station amidst the
Oct 2014
Page 36
Kumaon hills, which once served as the summer capital of the

former United Province. Studded with lakes, it was termed
the
'City
of
60
Lakes'
or
'Chakta'.
The weather is clement throughout the year except winter,
when it is quite cold and subject to snowfall. The climate of
Nainital depends on the lake here, which causes rain nearly
every afternoon. The most suitable time visit the place is
April to June and September October.
Gaumukh
Gangotri glacier protrudes into the Gaumukh. The Bhagirathi
River, which is a major tributary of River Ganga, has
originated from Gaumukh. Hindu pilgrims consider a dip into
the ice-cold water of Gaumukh very holy. Hence it has
developed into one of the traditional Hindu pilgrim spots.
The Gangotri glacier is 2 - 4 kilometer wide and 30 kilometer
long. Gaumukh rresembles a cow's mouth and hence this
place is called Gaumukh ('gou' means cow and 'mukh' means
face). Gaumukh is located close to the base of Shivling
Mountain. In recent times, the glacier has been retreating at
avery
fast
pace.
The distance of 18 kilometer to Gaumukh from Gangotri is to
be covered with the help of ponies or on foot. The trek from
from Gangotri to Gaumukh is quite easy and one can return
the same day to Gangotri. Ponies and porters can be availed
at
Gangotri.
Auli
Auli in Uttarakhand is situated on the peaks of Garhwal
Himalayas and close to the Badrinath religious shrine. It is
situated at an altitude of 2,500 to 3,050 meters above sea
level. Auli's slopes are covered by coniferous and oak forests,
which offer a spectacular view of the Himalayas. The snowy
and rugged terrain of Auli of Uttarakhand is a famous skiresort and winter resort.
Oct 2014
Page 37
Officer Bearers of Dehradun Region
Name: J S Chauhan
Regional Secretary
Mob- 08755032399
Name: I S PARMAR
Central Committee
Member
Mob- 09897576005
and
Mob-0412319078
Name: M S Rawat
Central Committee
Member
Mob- 09758630181
Name: C S Tomar
District Secretary
Mob- 09456128589
Oct 2014
Page 38
Name: P N Bhatt
Assistant Regional
Secretary
Mob. No09456591163
Name: Manoj Kumar
Assistant Regional
Secretary
Mob. No09557194351
Miss- Sonika Rawat
R C Member
Mob.No09760883106
I S Chauhan
R C Member
Mob. No08126884989
Oct 2014
Page 39
Karan Singh
R C Member
Mob. No07895082726
Bakul Gupta
District Secretary
Mob. No08881101857
Name: Manoj Singh
District Secretary
Mob. No09756218301
Architectural details of a Dharmashala,
Abhisarika Nayika,
estb. 1822, Haridwar
a painting by Mola Ram
Oct 2014
Page 40
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(Contributed by Sri V Gopalakrishnan, Prob. Officer, Accounts Section,
Madurai)
Oct 2014
Page 41
RBI News
Website address:
www.rbi.org.in
MONETARY AND CREDIT INFORMATION REVIEW

October 2014
Simplification of KYC Norms
The Reserve Bank, on October 21, 2014, clarified to all scheduled commercial banks
(excluding regional rural banks)/local area banks/all India financial institutions that:
(i) Banks need not seek fresh proofs of identity and address at the time of periodic
updation,from those customers who are categorised as low risk, in case of no change
in status with respect to their identities and addresses. A self-certification by the
customer to that effect should suffice in such cases. In case of change of address of
such low risk customers, they could merely forward a certified copy of the
document (proof of address) by mail/post. Banks may not insist on physical presence
of such low risk customer at the time of periodic updation.
(ii) If an existing Know Your Customer (KYC) compliant customer of a bank desires to
open another account in the same bank, there should be no need for submission of
fresh proof of identity and/or proof of address for the purpose.
Fourth Bi-Monthly Monetary Policy Statement, 2014-15
Dr. Raghuram G. Rajan, Governor, announced the Fourth Bi- Monthly Monetary Policy
Statement, 2014-15 on September 30, 2014 in Mumbai. On the basis of an assessment
of the current and evolving macroeconomic situation, the Reserve Bank decided to:
keep the policy repo rate under the liquidity adjustment facility (LAF) unchanged at
8.0 per cent;
keep the cash reserve ratio (CRR) of scheduled banks unchanged at 4.0 per cent of
net demand and time liabilities (NDTL);
reduce the liquidity provided under the export credit refinance (ECR) facility from
32 per cent of eligible export credit outstanding to 15 per cent with effect from
October 10, 2014;
continue to provide liquidity under overnight repos at 0.25 per cent of bank-wise
NDTL at the LAF repo rate and liquidity under 7-day and 14-day term repos of up to
0.75 per cent of NDTL of the banking system through auctions; and
continue with daily one-day term repos and reverse repos to smooth liquidity.
Oct 2014
Page 42
Consequently, the reverse repo rate under the LAF will remain unchanged at 7.0 per
cent, and the marginal standing facility (MSF) rate and the Bank Rate at 9.0 per cent.
Export Credit Refinance Facilities
The Reserve Bank, on September 30, 2014 advised scheduled commercial banks,
excluding regional rural banks (RRBs) that the eligible limit of export credit refinance
(ECR) facility has been reduced from the level of 32 per cent of the outstanding rupee
export credit eligible for refinance as at the end of the second preceding fortnight to
15 per cent effective from October 10, 2014.
Free ATM Transactions on other Bank ATMs
The Reserve Bank, on October 10, 2014 advised all scheduled commercial banks
including regional rural banks / urban co-operative banks / state co-operative banks /
district central co-operative banks that they have to mandatorily provide services to
their customers in other banks ATMs from November 1, 2014, as under:
(i) Not to charge any fees to their savings bank account customers for five ATM
transactions (inclusive of both financial and non-financial) in a month carried out at
other bank ATMs irrespective of the location of the ATMs;
(ii) Three transactions (inclusive of both financial and nonfinancial) would be free of
charge if carried out at other bank ATMs located in six metro centres, viz., Mumbai,
New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad;
(iii) If transactions are carried out at both the six metro centres and other locations,
the total number of transactions (inclusive of both financial and non-financial) free of
charge at other bank ATMs would continue to remain at five;
Banks are, however, free to offer more number of free transactions per month at
other bank ATMs as well as own ATMs in any geographical location. Banks are also free
to decide on the combination (for metro and non-metro locations) of free transactions
while adhering to the minimum requirements.
CTS - Government Cheques

The Reserve Bank, on September 30, 2014 advised all banks that the date of
implementation of the revised procedure of doing away with the requirement of
returning paid government cheques back to Government Departments concerned, has
been extended by three months to January 1, 2015.
Oct 2014
Page 43
Suggestions invited for Utilisation of Unclaimed Deposits

The Committee appointed by the Ministry of Finance to examine issues related to
unclaimed amounts lying in various small savings schemes (Chairman: Shri Harun R.
Khan, Deputy Governor, Reserve Bank of India), has invited suggestions/ideas from
general public/senior
citizens/welfare organisations and
non-government
organisations associated with welfare of senior citizens on appropriate use of
unclaimed amount lying in various small savings schemes in post offices and banks.
Interested persons/organisations may submit their suggestions/ideas to the Joint
Director, National Savings Institute, Government of India, Ministry of Finance, A
Block, 4th Floor, CGO Complex, Seminary Hills, Nagpur440006 or email them to
nsi@nsiindia.gov.in, latest by November 15, 2014. The National Savings Institute is
providing Secretarial support to the Committee.
Inter-Bank Hindi Essay Competition: 2014-15
The Reserve Bank has announced three topics for the interbank Hindi Essay
Competition to be held for 2014-15. These are:
Participants may send their essay in Hindi on any one of the given topics. The last
date for submission is December 31, 2014.
Risk Management and Inter Bank Dealings: Hedging
The Reserve Bank, on September 30, 2014 advised Authorised Dealers Category-I (AD
Category-I) banks that importers are allowed to book forward contracts, under the
past performance route, up to 100 per cent of the eligible limit. Importers who have
already booked contracts up to previous limit of 50 per cent in the current financial
year, shall be eligible for difference arising out of the enhanced limits.
ECB in Indian Rupees
The Reserve Bank, on September 3, 2014 advised Authorised Dealer Banks(Category
I) that recognised non-resident External Commercial Borrowings (ECB) lenders may
extend loans in Indian Rupees. subject to certain conditions.
*******
Oct 2014
Page 44
Relax
**Generation Gap
Father used to walk 20 Minutes to save Rs 20.
Son spends Rs 20 to save 20 Minutes.
(Surprisingly both are correct...!!!)
**Cultural Gap
If electricity goes in America they call the power house.
In Japan, they test the fuse,
But In India, they check neighbour's house, "power gone there too....then ok!"
**Sense of Responsibility
A man goes to library and asks for a book on Suicide...
Librarian looks at him and says: "hello, who will return the book?"
**Grandfather to Grandson:
Go hide! Your teacher is coming as you bunked school today!
GRANDSON: YOU go hide.. I told her YOU PASSED AWAY!!
(Contributed by Sri Senthil Kumar, Officer, Alagapuri, Madurai Region)
Oct 2014
Page 45
Haryana Bank Locker robbery

IndiaToday.in New Delhi, October 30, 2014
A gang of robbers tunneled their way into the

locker room of the Punjab National Bank's branch
in Gohana town, emptied 89 lockers and escaped
the same way they came. The tunnel was 125-feet
long and seven-feet deep.
[
The robbery could be almost Rs.100 crore, claim

customers whose lockers were broken into.
The Indian Express dated 30.10.2014
The Police have registered two criminal cases: A

case of burglary registered on a complaint from
bank officials; another case registered against
the bank officials by the owners of the lockers
who alleged that the bank didnt construct the
locker room as per norms of the currency chest;
did not install a steel plate into the floor; and
that the almirahs in the bank were also 60-70
years old.
The Hindu dated October 30, 2014:
The owner of the abandoned house, through which

a 125-feet-long tunnel was dug to the Punjab
National Bank locker room in Gohana, committed
suicide.
Three days after the daring bank heist in Gohana
town in Sonepat, police claimed to have cracked
the case with the arrest of three persons and
recovery of jewellery weighing over 24 kg from
them. Those arrested include Surender, son of Jagdish, Balraj, son of Dharampal and
Satish, son of Ram Krishan, all residents of village Katwal, Sonepat.
Oct 2014
Page 46
Govt Policies & Guidelines
Oct 2014
Page 47
**************************
Oct 2014
Page 48
Family Gallery
After conducting the CC

Meeting in a memorable way,
Sri R K Gambir, Regional
Secretary,
Gurgaon
has
th
celebrated his 27
wedding
anniversary on 13.10.2014
Sri A K Juneja, Joint

General
Secretary
greeting his son Sri
Rishabh
Juneja
for
having bought a new car
on 18.10.14
Oct 2014
Page 49
Sri I S Parmar, CC Member,

Dehradun spending time with
his family (Thanks to Work to
Rule)
Restriction on ATM free withdrawals
(Contributed by Sri R R Bagale, DGS, Pune thro WhatsApp)

Oct 2014
Page 50
Life style in India
TEST YOUR IQ
Oct 2014
Page 51
Blame it on Facebook
Oct 2014
Page 52
Photo Gallery
PATNA REGION
Our G S addressing a general members meeting on 09.10.2014
Oct 2014
Page 53
Chennai Region
Our Gen Secy Sri G V Manimaran inaugurated the new premises of Parandur branch
of Chennai Region on 13/10/2014. GM and DGM of the circle were present on the
occasion. Large no. of customers were also present.
Oct 2014
Page 54
BRAIN STORMING SESSION ON WAGE SETTLEMENT, PROMOTION AND TRANSFER POLICY

WAS ORGANISED AT CHENNAI ON 19/10/2014. MORETHAN 150 MEMBERS ATTENDED.
OUR GEN. SECY SRI. G V MANIMARAN SPOKE ON THE OCCASION AND CLARIFIED THE
DOUBTS OF YOUNG OFFICERS.
Oct 2014
Page 55
Oct 2014
Page 56
Trichy Region
A special meeting for POs organized by Sri Rajagopal, RS, Tricy on 29.10.14. 50 POs
participated. V Ramaraj, Editor clarified the doubts of POs on Service Matters.
Oct 2014
Page 57
Coimbatore Region
Vice President Sri J Vanangamudi explaining the recent achievements clinched by

CBOA at the Coimbatore CO unit members meeting held on 09.10.2014
Oct 2014
Page 58
All the affiliates of AIBOC attended a special district unit meeting held at Coimbatore on
13.10.2014. Our Vice President Sri J Vanangamudi presided over the meeting
Oct 2014
Page 59
The Indian Express dated 12.10.2014
Oct 2014
Page 60
Oct 2014
Page 61

Friend &amp; Guide - Oct 2014

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From the desk of General Secretary

With best wishes,

CBOA - Friend & Guide

From the desk of Gen Secretary

Members view & CTS Tips

Haryana Bank Robbery

Policies & Guidelines

ATM Free withdrawals

CBOA - Friend & Guide

This is not US where government takes care of the aged,

Successful implementation of agitation programme:

Black Badge Wearing on 10.10.2014

Withdrawal of extra cooperation i.e. No late sitting beyond working hours /

Country wide protest demonstrations on 17.10.2014

One day dharna at all state capitals

Releasing of Press Statements & Advertisements in newspapers on 29.10.2014

Observation of Protest Day, Badge wearing & Demonstration / Rally on

We will fight till we succeed

CBOA - Friend & Guide

Achievement of Regulated working Hours:

Surety Loan raised from Rs 2,00,000/-to Rs 2,50,000/-

Phone : 044 28112454

CANARA BANK OFFICERS COOPERATIVE THRIFT AND CREDIT SOCIETY LIMITED

Are you a member of our Thrift Society?

Sri B Sekar, Senior Manager, Nandanam, Chennai

Very very very attractive, very very very enlightening

Sri Anil Kumar K, RC Member, Bangalore Metro

Sri Lakshmikanth Nayak, DGS, Mangalore

Also please publish the name of beneficiaries of Staff Welfare Schemes of

Sri B L Maheshwari, AGS, Jaipur

CBOA - Friend & Guide

Non CTS Cheques

Website address: www.canarabank.com

STAFF STRENGTH as on 31 October 2014

CHIEF GENERAL MANAGER / GENERAL MANAGER

DEPUTY GENERAL MANAGER

ASSISTANT GENERAL MANAGER

DIVISIONAL / CHIEF MANAGER

PART TIME EMPLOYEE

Time Norms for Personal Loans

Housing Loans upto Rs. 25 lacs

Housing loans above Rs. 25 lacs

Canara Mortgage / other Mortgage

A: In terms of Regulation 23(vi) of Canara Bank (Officers) Service Regulations, 1979,

Provided that, where an Officer comes to officiate in a higher scale, as a

In terms of Regulation 6 of Canara Bank (Officers') Service Regulations, 1979,

Above Rs 5.00 Crores up to Rs 25.00 Crores

Above Rs 25 Crores up to Rs 75 Crores with a

Scale III Officers

Above Rs 75 Crores up to Rs 250 Crores with a

Very Large Branch

Above Rs 250 Crores up to Rs 1000 Crores with

Above Rs 1000 Crores with a minimum advances

CBOA - Friend & Guide

DELEGATION OF POWERS FOR CREDIT SANCTIONS:

CBOA - Friend & Guide

CBOA - Friend & Guide

Circular No. 2014/63

INCENTIVES TO OFFICERS POSTED TO NORTH EASTERN REGION REVISION

Circular No. 2014/65

Circular No. 2014/66

UNDUE AND UNJUSTIFIED DELAY IN SALARY REVISIONCONFEDERATION MAKES A

Circular No. 2014/67 Dated: 11/10/2014

Friend & Guide - Oct 2014

Friend & Guide - Oct 2014