அரசுத் தரப்பிலிருந்து 16.5.2012 அன்று அனைத்து கிராம வங்கிகளுக்கும் அனுப்பப்பட்ட கடிதம் இது. நிதியமைச்சகத்தின் செயலாளர் தலைமையில் 10.5.2012 அன்று, கிராம வங்கிகளின் நிதிநிலைமை மற்றும் செயல்பாடுகளை ஆராய்ந்து, எடுத்திருக்கும் முடிவுகளை தெரியப்படுத்துகிறது இந்தக் கடிதம்.
கிராம வங்கியில் இருக்கும் பணிச்சுமை, பணி நெருக்கடி, ஆள் பற்றாக்குறை என எதையும் கணக்கிடாமல், குளிர்பதன அறைக்குள் இருந்து புள்ளி விபரங்களின் அடிப்படையில் மட்டுமே திட்டமிடுகிற அதிகாரவர்க்கத்தின் குரல், ஒவ்வொரு வார்த்தைகளிலும் பொதிந்திருக்கிறது.
புதிய பதவி நியமனம், தொழில்நுட்பம், டிரெய்னிங், வேலைப்பளு, கிளை விரிவாக்கம் என பல தளங்களில் முக்கிய முடிவுகளை அரசு அறிவிக்கிறது. இதில் நமது பார்வை என்ன என்பது முக்கியம். உதாரணமாக ஒன்று சொல்வதென்றால், இந்தக் கடிதத்தின் பிரகாரம் நமது வங்கியில், இந்த வருடம் பதிய பணி நியமனமே நடை பெற முடியாத சூழல் ஏற்பட்டுள்ளது!
AIRRBEA உடனடியாக தனது கண்டனக்குரலை அரசுக்கு பதிவு செய்து இருக்கிறது. தோழர்களும் இதனைப் படித்து தங்கள் கருத்துக்களை வெளிப்படுத்த வேண்டுகிறோம். அவைகளைத் தொகுத்து,நாம் விரிவாக
இன்னும் ஓரிரு தினங்களில் நமது வெப்சைட்டில் விவாதிக்கலாம்.
ஜூன் 8 ம் தேதி வேலை நிறுத்தம் எவ்வளவு முக்கியமானது என்பதை மத்திய அரசின் இந்தக் கடிதம் நமக்கு உணர்த்துகிறது. வாருங்கள் உரையாடுவோம்!
F. No. 7/8/2011- RRB
Government of India
Ministry of Finance
Department of Financial Services
New Delhi dated the 16th May, 2012
Subject: Minutes of the meeting held on 10.5.2012 under the Chairmanship of Secretary (Financial Services) to review the financial performance of Regional Rural Banks (RRBs)
Sir/Madam,
Please find enclosed copy of the Minutes of the captioned meeting for formation and necessary action.
Action Taken Report may be sent to Department of Financial Services on priority.
Yours faithfully,
(Suresh C.Arya)
Senior Research Office
Minutes of the meeting held on 10.05.2012 under the chairmanship of Secretary (Financial Services) to review the financial performance of Regional Rural Banks (RRBs)
A meeting was held under the Chairmanship of Secretary (FS) on 10th May, 2012 with Chairman of RRBS sponsored by State Bank of India. The Managing Director of SBI and Executive Director of NABARD also participated in the meeting. List of participants is annexed.
2. The agenda of the Meeting was as under:
Analysis of RRBs in terms of CD Ratio, Gross/Net NPA%, Net Worth, Productivity (business per branch and per employee), Profitability (Net Profit/Loss per employee), Return on Asset(ROA), Cost to Income Ratio (excluding interest paid), Cost of Funds & Recovery percentage
Branch expansion plan of RRBs in 2011-12 and 2012-13 and staff to be commensurate with the business plan so that expansion does not result in increase in number of loss making branches;
Plan of Action for e-governance, HR Issues and Business Process Reengineering (BPR);
Introduction of system generated NPAs in RRBs by March, 2012;
Seamless Integration of sponsor banks and RRBs(CBS, cheques/drafts, ATM services, BSc, HR practices, training and capacity building of RRB staff, RRB employees on deputation to sponsor banks)
Status of usage of alternative channels of payment system/NEFT/RTGS in RRBs;
3. After welcome address by Joint Secretary (BA), Secretary (FS) started the discussions with the Chairman of the RRBs. The discussions were focused on the following parameters:
HR issues:
After detailed deliberations, the following was reiterated on the HR issues:
(i) The sponsor banks should depute AGM and Chief Manager level officers from specialized cadres like Risk Management, IT, HR, Industrial Finance and Treasury Operations, etc to develop expertise within RRBs staff in these areas.
(ii) At the time of deputation of staff to RRBs, quality of the staff should be ensured by the sponsor banks.
(iii) The process of deputation should be completed by May, 2012.
(iv) (a) RRBs staff should be provided training on regular basis and sponsor banks should reserve at least 10% seats in their training centers for RRB staff. Specific programmes for RRB staff should also be organized.
(b)Special attention should be given towards development of behavioral skill and expertise in the areas like Risk Management, IT, HR, Industrial Finance and Treasury Operations, etc within RRBs staff.
(c) Considering that RRBs have recently migrated to CBS, their staff needs to be provided intensive training on use of CBS and generation of MIS.
(d) It was agreed that the schedule/calendar for training programmes would be intimated in advance to the RRBs by Local Head Offices of SBI.
(e) Training programmes could also be organized by the RRBs (having their own training centers) with faculties being provided from the training centers of the sponsor banks. Training programmes could also be conducted through Video Conferencing.
(v) In order to reduce the potential of frauds, biometric password devices should be installed in RRBs, as is being done in Public Sector Banks. The sponsor banks should take into account the requirement of their RRBs also while making arrangement for installing the system in their bank.
(vi) While considering the requirement of additional staff, RRBs should take into account productivity norms and need of redeployment. Any RRB which has per employee net profit less than 5 lakh must not recruit more than one-fortieth of present strength in any year.
(II) IT related issues:
With a view to augment the use of modern technologies and minimize overhead expenditure in RRBs, the following was advised:
(a) The latest version of CBS and all CBS modules should be made available to RRBs. The sponsor bank should take up 1 or 2 RRBs for implementing full e-governance package on a pilot basis and after successful rollout of the pilot, it should be implemented in all RRBs in a time bound manner and be completed in six months.
(b) It was informed that RRBs sponsored by SBI have their own Data Centers.The IT consultant/service providers should provide requisite manpower at the data center/RRBs.
(c) ‘Ultra Small Branches’ (USB) should be opened wherever opening of a regular brick and mortar branch is not considered viable. The USB could be converted to regular branch once the business reaches the desired level.
(d) ‘Ultra Small Branches’ should be opened in all FI villages. VPN connectivity to the CBS should be provided by the sponsor bank and the process should be completed by the end of May, 2012. Performance of USBs is to be monitored through CASA deposits, loan accounts and improvement in recovery.
(e) There should be accelerated rollout of ATMs by RRBs. Efforts should be made to issue Rupay debit card to all customers. Sponsor banks will issue these cards with logo of RRBs. Further, all customers having a current account be encouraged to use NEFT and each branch should have customer campaign workshops to educate and advise them to use e-payment structures. This may be done at least once a month.
(III) Operational issues.
The targets assigned to RRBs under per employee profit, CD Ratio, gross NPA, non-interest income and loss assets were discussed with each RRB. The following was observed in this regard:
(i) All the RRBs and sponsor bank assured that the year-wise targets will be achieved within the given timeline.
(ii) Chairmen of RRBs were advised that the targets should be discussed with staff and officers of the bank so that there is full commitment to achieve these targets.
(iii) The RRBs with comparatively poor performance under per employee net profit, CD ratio and Gross NPA, were advised to work hard to achieve the given targets. The MD State Bank of India was advised to pay special attention towards the performance of RRBs under the said parameters and to ensure that the given targets are met.
(iv) To improve the CD Ratio, investment credit should be encouraged in RRBs. Sponsor banks should put in place proper guidelines for RRBs in this regard. Same investment policy should be adopted by RRBs and sponsor banks. Joint lending by sponsor banks and RRBs with RRBs share at about 20 to 25% should be undertaken for loans upto Rs. 10 crore sanctioned in their operational area.
(v) Policy for Gold/Silver loans may be evolved in RRBs keeping in view the prudential policy of sponsor banks. Branches having appropriate security and infrastructure should be identified and customers from other branches can be guided to these branches for such loans.
(vi) RRBs should identify areas for investment/SME credit as per their topography.
(vii) ED NABARD was advised that the limit of refinance to RRBs with CD ratio of more than 70% should be increased. Hence refinance be need based for al RRBs. He was also advised to examine the reason for imposition of penalty on pre-payment of refinance amount.
(viii) RRBs should ensure that no branch remains loss making after 12 months of operation. Loss making branches should be shifted/replaced with a ultra small branch or should turn around. New branch must become profitable after one year of operation.
(ix) RRBs should increase noninterest income to enhance their profits.
(x) Treasury operations of RRBs should be handled by the sponsor banks. However, one officer of RRB be trained to work with the sponsor bank treasury management team.
(xi) ‘No-frill’ accounts should be converted to full fledged accounts in a year subject to fulfillment of KYC requirements.
(xii) Cases of frauds perpetuated by the staff must be dealt with promptly and exemplary punishment given. The recovery of amounts should be the first priority.
(xiii) Overall ambience of RRBs needs to be improved. RRBs have been advised that at least 10% of the branches should be taken up every year for improving their overall ambience in terms of upkeep, cleanliness, customers’ convenience, greenery, etc. This may be done by adopting simple low cost methods. Look and feel of branches must improve and be brought at par with private banks.
(xiv) The Chairmen of RRBs shall personally be responsible for performance of the RRBs.
(IV) Operational Integration with sponsor banks:
With a view to ensuring seamless banking transactions between sponsor bank and their RRBs, banking operations of RRBs is to be functionally integrated with their sponsor banks. The following was reiterated in this regard:-
The sponsor banks will allot separate IFSC code for each branch of RRBs sponsored by them so that the RRBs could directly participate in NEFT.
Cheques/demand drafts issued by RRBs should be treated at par with that of their sponsor banks and clearance charges should be levied at par with those for sponsor bank’s customers.
ATM services provided by the Sponsor Banks and/or RRBs should be treated as of the same bank. No charges should be levied on RRB for using the services at such ATMs by its customers.
Role of Local Head Offices be clearly mentioned by a circular to avoid gaps and overlaps.
NPCI membership be given by SBI.
4. The RRBs to be treated at par with commercial banks by State Governments for all programmes. The sponsor bank and its Local Head Offices will take up the matter with the concerned State Governments. Department of Financial Services has already written to State Governments in this regard.
5. The meeting ended with vote of thanks to the Chair.
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