Air New Forms

BRANCH PROFILE
1 Branch Details Branch- Distinctive No, Name, Address, & Tel. No.
Last Audit as on Risk Rating Circle Category (Small/Medium/Large/VLB/ELB) (Rural/MSME/Retail/Corporate) Area (Rural / Semi-urban / Urban / Metro) Date of opening of branch Total Staff Strength (including incumbent)
Present Audit as on
Officers 1. Sanctioned 2. Actual Details of Extension Counters (Names, location & telephone Nos.) If the branch has ATM, SWIFT, RTGS, Depository, Currency Chest etc, (specify) Whether the branch has won any special award / achievement / trophy. (specify with date) Name of Previous Incumbent (Designation and his stay at the branch From__________to_________) Name of Present Incumbent (Designation, Telephone & Mob. No. and Posted Since when ) Name of Auditor (Designation, Telephone & Mob.No. and posted Since when) Date of last visit of Senior Officer Name & Designation Change in Business Environment since last Regular Inspection viz. opening of another bank branch etc. 2 Deposit & Advances 1. Savings Fund Deposit 2. Current deposit 3. Low cost Deposit (Total 1+2 ) 4. Term Deposit 5. Total Deposit 6. Total Advances : Fund Based(FB) Non-Fund Based(NFB) 3 Fresh sanctions / enhancement under BM Power during the period under review: MSME Agriculture (including K C C) C C (excluding K C C ) Housing loan to public Vehicle Loan {(V/L) Public} Other retail loans Any other loan (Specify)
Clerical
Sub-staff
As on previous IR Dt. No of A/cs Amount .
As on present IR Dt. No of A/cs Amount
RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)
Business growth budget achievement
and
As on H.Y ended Mar./Sept.___
As on H.Y Mar./Sept.__
ended Achi.
As on H.Y Mar./Sept.__ Bud.
ended
Bud. Achi. Bud. Deposit Low Cost Deposit (SF + CA) Credit - FB - NFB Profit Priority Sector advances Retail lending Non-interest income NPA reduction Export turnover Import turnover Composition of Credit Portfolio Mar._____ Mar._____ No. Amt. No. Amt. A. Rating of advances a) Rated advances (excluding NPAs and those overdue for Rating) 1 AAA 2 AA 3 A 4 BB 5 B Sub total (1 to 5) 6 C 7 D Total of (a) 1 to 7 b) Ratings overdue for renewal c) Advances eligible for rating but not rated Total of A (a+b+c) B. Other Advances Advances against/ NSC/ KVP/LIC Policy and Pension loans (including such loans to staff) Advance to staff members (H/L,V/L,clean OD etc.) Housing loan to Public Agriculture loans Govt Sponsored Schemes All remaining advances Total of B C. Total NPAs
Achi.
Qtr______ No. Amt.
Qtr______ No. Amt.
Grand Total (A + B + C)
Note: 1. Grand total should tally with total loans and advances as per GL. 2. If rating of any Loan a/c has not been done on current financials or is overdue for more than 3 months then its rating will be downgraded by one category.
6 Migration analysis of advances from previous review period to current review period MIGRATION ANALYSIS OF ADVANCES Rating Advances which have been rated first time (1) No. Amt. Advances which have been rated more than once Present rating vis--vis previous rating Same (2) No. Amt. Upward 3) No. Amt. Downward (4) No. Amt. Overdue (5) No. Amt.
AAA AA A BB B C D Total Note: Total of the first four columns should tally with figure of total rated advances {i.e. 5(A)( a) and that of fifth column with 5(A)(b) Mar._____ Mar.____ Qtr._____ No. Amt No. Amt. No. Amt 7 A/cs taken over from other Banks /FIs 8 Irregular Advances 9 Fresh Slippage to NPA Accounts 10 Restructured Accounts (O /S) 11 Total Slippage to restructure a/cs during the review period 12 Quick Mortality Cases 13 Total Non Performing Assets (Gross) 14 Out of total NPA: a. Sub. Standard b. Doubtful c. Loss 15 Recovery in NPA Accounts during the review period 16 Credit Concentration 16.1 Total advances in largest segment (e.g. Housing, Vehicle, Agriculture etc.) 16.2 Advance to largest borrower or borrower group ( FB + NFB) 17 Advances to Sensitive Sector (Capital, Real Estate & Commodity Sectors) 18 Non-Fund based advances 18.1 (a) LC/LG/DPG/Stand-By LC (SBLC) /Letter of Comfort (LOC) (outstanding) 18.2 (b) Invoked / devolved LC/LG/SBLC/LOC (during the review period ) 18.3 (c) Due Date Default (outstanding) 19 Frauds/shortage of cash detected, if any 20 Recovery Made in cases of Frauds / shortage of cash 21 Cases lodged against bank in courts / Banking Ombudsman/ consumer forums during the review period. 22 Penalties imposed by various Courts/ Income Tax/RBI/Banking Ombudsman Redressal forums etc. during the review period. 23 Depositors having more than 1% share of total deposits (Public)
Qtr._____ No Amt
24
25 26 27 28 29 30 31 32 33 33.1 33.2
Earning Profile 1. Interest Income 2. H.O. interest received (including TPM incentives & subsidies) 3. Non-interest income A Total Income (1+2+3) 4. Interest Expenditure 5. Non-interest Expenditure 6. H O Intt./TPM Paid B Total Expenditure (4+5+6) C Profit (A B) Average cost of the deposit of the Branch Average cost of deposit of the Circle Average return on advances of the Branch Average return on advances of the Circle Average Business per employee Average Profit per employee Revenue Leakage (Annual) detected Revenue Leakage recovered /detected Branch Administration Level of implementation of Business Continuity Plan Efforts of the branch in reducing controllable expenses (Substantiate with figures of relevant period i.e. Year/HY/Qrt.) and getting confirmation of unauthorized expenditure, if any. Comments on safeguards and precautions taken in respect of various outsourced services. Comments on status of other facilities like ATM, SWIFT, Depository, CMS, Internet Banking, RTGS, NEFT etc. and their effective utilization and adequate safeguards and precautions taken by the branch against their fraudulent use. Instances of window dressing, if any Maintenance of prescribed registers for recording operational Loss Data.
Mar_____
Mar_____
Qtr_____
Qtr_____
COMMENTS
33.3
33.4
33.5 33.6
INCUMBENT INCHARGE
AUDITOR
BUSINESS RISK
1. CREDIT RISK
Quality of credit portfolio (excluding NPAs) Risk Score Allotted____ Risk Category Alloted ___________ (all the figures should be in lacs and should not contain any decimals) Rating Category No. Amount Risk Amount as per Risk (outstandings) AssessFactor ment (e) = (c)x (d) Factor 100 (a) (b) (c ) (d) (e) A) Risk Rated Advances (a) Rated advances * AAA 0.20 AA 0.30 A 0.50 BB 1.00 B 1.50 C 1.50 D 1.50 SUB-TOTAL of (a) (b) Advances eligible for rating but 1.50 not rated TOTAL (a) + (b) (B) All other advances Against FD/NSC/KVP/LIC Policy etc. and 0 Pension Loans (including such loans to staff) Advances to staff members (Housing, 0.20 Vehicle, Clean OD etc) Housing loans to public 0.50 Agricultural loans 0.75 Govt. sponsored schemes 1.10 All remaining loans and advances 1.00 TOTAL xxx * GRAND TOTAL (A) + (B) % of probable default to total advances (% xx xxx xxxx of total of column (e) to total of column (c) * If rating of any Loan a/c has not been done on current financials or is overdue for more than 3 months then its rating will be downgraded by one category. Rating on the basis of Balance Sheet older than 18 months should be treated as Overdue. Note: Grand total of column (c) should tally with total loans and advances (excluding NPAs) as per GL. RISK SCALE RISK SCORE RISK CATEGORY (% of probable default to total advances) <1.10 % 0-30 Low 1.10% to 1.80% 31-60 Medium >1.80% 61-100 High No. 1.2 Parameter Extent of Migration In Existing Rated Accounts (Amount Wise) Risk Scale Risk Score (RS) 0-12 Risk Category (RC) L Allotted RS RC 1.1
Note:
Stable/Upward movement to Downward upto 3% Downward Movement >3% to 10% 13-24 M Downward Movement >10% 25-40 H 1. Downward movement should not be netted i.e. amount of upward movement should not be reduced from the amount of downward movement. Percentage of downward movement should be calculated as amount of total downward movement with respect to total outstanding of rated advances. 2. In case there is upward movement by 2 notches in the risk rating in more than 10% rated accounts, auditor should scrutinize the risk rating of such accounts.
No. 1.3
Note:
Parameter
1.4
Risk Risk Allotted Score Category RS RC Percentage Of Gross NPAs to 0% to 1% 0-22 L Total Advances (Amount Wise) >1% to2% 23-45 M >2% 46-75 H The impact of transfer of NPA to ARC/ARMB/SARC should not be accounted for as reduction of NPA. Fresh Slippage in NPAs to Total 0% 0-13 L Advances (Amount Wise %age)
Risk Scale
1.5 1.6
Irregular accounts as %age of total advances (net of NPA) Trend of Slippage in Restructured/ Rescheduled accounts during 1st Year (Amount Wise %age) Quick Mortality Cases (Amount Wise)
1.7 1.8 a.
>0% to 1% >1% 0% to 2% >2% to4% >4% 0% to 10% >10% to 20% >20% Rs. 0 to 5 lacs > Rs.5 lacs to 25 lacs > Rs. 25 lacs
14-27 28-45 0-13 14-27 28-45 0-7 8 - 15 16 - 25 0-9 10-18 19-30
M H L M H L M H L M H
b.
1.9
1.10
Credit Concentration (Amount Wise) Segment/Industry Wise >10% to 40% 0-12 L Concentration (Total advances in >40% to 75% 13-24 M largest segment as %age of total >75% 25-40 H advances) The segments are e.g. Housing Loan, Vehicle Loans, Trading Loan, Industrial Loan, Agricultural Loan etc.) Borrower Wise Concentration >10% to 15% 0-13 L [Advance to largest borrower (or to >15% to 20% 14-27 M a borrower group) as %age to total >20% 28-45 H advances] (FB + NFB) The borrower groups consist of sister concerns, associate concerns, subsidiaries, concerns of family members etc Advances to Sensitive Sectors 0% to 12% 0-12 L (Amount Wise) (%age to Total >12% to 20% 13-24 M Advances ) >20% 25-40 H Invoked / Devolved BG/LC / SBLC/ 0% to 2% 0-10 L LOC (Amount wise) (Default as >2% to 5% 11-21 M %age of the total outstanding >5% 22-35 H BG/LC / SBLC/ LOC)
TOTAL CREDIT RISK SCORE ( I.E. SUM OF RS OF 1.1 TO 1.9)
2. OPERATIONAL RISK
2.1 2.2 Depositors with more than 1% share of Total Deposits (as %age of Total Deposits) Non KYC compliant Deposit A/cs [%age of such accounts to total deposit accounts -Pnbrpt 9/28 (a)] Instances of window dressing (Amount wise as %age of deposit) Alternate Delivery Channels: Internet Banking Mobile/SMS Banking Point of Sale (POS) Terminal ATM Credit/Debit Card NEFT/RTGS Total Applicable Score Note: >5% to 15% >15% to 30% >30% 0% to 1% >1% to2% >2% 0% to 1% >1% to 3% > 3%
MARKS Maximum Applicable
0-6 7-12 13-20 0-9 10-18 19-30 0-6 7-12 13-20

Upto 30% >30% to 60% >60%
L M H L M H L M H
L M H
2.3
2.4
25 5 5 10 5 10 60
x x x x x x
x x x x x x
1. Marks should be awarded in Internet Banking on the basis of no of users, timely action on requests received through net banking; in Mobile/SMS Banking on the basis of requests received & entered on the same day; in ATM on the basis of No of cards issued, safe custody, issue register maintenance, Cabin Cleanliness, uptime, no of transactions vs cash payments; Credit / Debit Cards on the basis of No of cards issued; NEFT/RTGS on the basis of No of transactions vis--vis draft issued. 2. If any of the facilities is not applicable, NA should be marked against that facility.
No. 2.5 Note: 2.6
Parameter
2.7
2.8
2.9
2.10
Risk Allotted Category RS RC Record Maintenance of Loss Good 0-6 L Data Satisfactory 7-12 M Unsatisfactory 13-20 H While allocating Risk Score the auditor should see that all prescribed registers as per IRMD Circulars are properly maintained & checked. Cases lodged against Bank 0 to 2 0-6 L in Courts/Banking 3 to 5 7-12 M Ombudsman/Consumer >5 13-20 H Forums Penalties imposed in Cases Nil to Rs. 0.50 lacs 0-6 L lodged in Courts/Income Tax > Rs. 0.50 lacs to Rs.5 lacs 7-12 M Officer/ Ombudsman/ > Rs. 5 lacs 13-20 H Consumer Forums/RBI Frauds Detected including No Fraud to Frauds upto 0-6 L cash shortage/ pocketing of Rs.3 lacs cash.(Amt. of fraud detected) >Rs. 3 lacs to Rs. 20 lacs 7-12 M > Rs. 20 lacs 13-20 H Recovery Made in Frauds Full amount recovered to 0-6 L Detected Recovery >60% (Amount recovered) Recovery of 60% to >40% 7-12 M Recovery of 40% & below 13-20 H Outsourcing / Other Service Maximum Applicable Upto 30% L Providers (refer check list) Marks Marks >30% to 60% M >60% H
1. Maintenance of computer Hardware/ Software/ATM 2. Courier/ dak services 3. Security and watch & ward 4. Maintenance of SFF and Lockers 5. Reconciliation of ATM (outsourced) Transactions. 6. RBIA / Recovery Agencies 7. Other services, sweeper, canteen, water-boy etc. Total Applicable Score 8 7 5 5 5 10 10 50 x x x x x x x x x x x x x x x x
Risk Scale
Risk Score
Note:
1. If any of the facilities is not applicable, NA should be marked against that facility. 2. Due precautions & safeguards have been taken in outsourced services.
TOTAL OPERATIONAL RISK SCORE (I.E. SUM OF RS 2.1 TO 2.10)
3. EARNING RISK
The growth based parameters have been set to assess yearly position. As such, in case of quarterly/half yearly assessments, these should be adjusted on prorata basis. 3.1 Deposit >100% to 40% 0-5 L (%age achievement of <40% to 10% 6-9 M incremental budgets) <10% to Negative 10-15 H 3.2 Increase In Low Cost Deposit > 2% to 1% 0-5 L (SF+CA) as %age to Total <1% to (-)2% 6-9 M Deposit >(-)2% 10-15 H Note: Even though there is decline, if Low cost deposits of a Branch remain 60% or above, branch will be rated as Low Risk. 3.3 Credit >100% to 40% 0-5 L (%age achievement of <40% to 10% 6-9 M incremental budgets) <10% to Negative 10-15 H 3.4 Priority Sector advances (%age >100% to 40% 0-5 L achievement of incremental <40% to 10% 6-9 M budgets) <10% to Negative 10-15 H Note: In case PS budget is not given then aggregate of sub-sector budgets such as Agriculture, KCC, MSME etc. may be taken for assessment. 3.5 Achievement of Profit Budget >100% to 80% 0-5 L (%age achievement of budgets) <80% to 50% 6-9 M <50% to Loss 10-15 H 8
No. 3.6 3.7
Parameter Achievement of Budget of Disbursement under Retail Lending (%age achievement of budgets) Achievement of NPA reduction Budget Average Cost of Deposits (Avg cost of deposit of the Circle - Avg cost of deposit of the branch) Average Return on Advances (Avg return on advances of the branch Avg return on advances of the Circle) Non-Interest Income (%age growth)
Risk Scale >100% to 80% <80% to 50% <50% >100% to 80% <80% to 50% <50% to 0% >0.50% to 0.25% <0.25% to (-)0.50 % >(-)0.50% >1% to 0.50% <0.50% to (-)1.50% > (-)1.50%
3.8 3.9
Risk Score 0-3 4-6 7-10 0-5 6-9 10-15 0-3 4-6 7-10 0-3 4-6 7-10
Risk Category L M H L M H L M H L M H
Allotted RS RC
>50% to >10% 0-6 L 10% to (-)10% 7-12 M > (-)10% 13-20 H 3.11 Average Business per employee >10% to 5% 0-5 L (%age increase in business per <5% to 1% 6-9 M employee over the previous period) <1% to Negative 10-15 H 3.12 Average Profit per employee (%age >10% to 5% 0-3 L increase in Profit per employee over <5% to 1% 4-6 M the previous period) <1% to Negative 7-10 H 3.13 Revenue Leakage (Revenue 0% to 2% 0-6 L leakage detected as %age to total >2% to 5% 7-12 M profit/loss during review period) >5% 13-20 H 3.14 Reduction in Controllable Expenses Good 0-5 L (refer check list) (Efforts made by Satisfactory 6-9 M the branch officials) Unsatisfactory 10-15 H Note: Controllable expenses are expenses other than Interest, Establishment, and other fixed expenses like rent of building, AMCs etc. The auditor should assess this parameter on the basis of efforts made by the branch officials in reducing the controllable expenses.
3.10
TOTAL EARNING RISK SCORE (I.E. SUM OF RS OF 3.1 TO 3.12)
Summary Score Sheet of Business Risk

Sr. No. Parameters Max. Marks Applicable Marks Present Risk Assessment Date________ Marks allocated by Auditor ZAO Previous Risk Assessment by ZAO Date________ Risk Category Marks
allocated
Direction of risk (by ZAO)
Risk
Category
1. 2. 3.
Credit Risk Operational Risk Earning Risk Total
520 280 200 1000
AUDITOR
%age Risk Score Business Risk Category Upto 30 % Low >30% - 60% Medium >60% High
CONTROL RISK
Summary Score Sheet of Control Risk
Sr. No. Parameters Max. Marks Applicable Marks Present Risk Assessment Date________ Marks allocated by Auditor ZAO Previous Risk Assessment by ZAO Date________ Risk Category Marks
allocated
Risk
Category
I.
1 2 3 4 5 6 7 8 9 10 11
Credit Functions
Exercise of Loaning Powers Pre-sanction Appraisal Documentation & creation of Charges. Mortgages Post-sanction Monitoring & Follow up. Acceptances, Endorsements & Other Obligations Bills Purchased/Discounted Forex Credit NPA Management Revenue Audit in Credit Other Observations 23 44 18 36 75 10 14 20 36 10 14
II.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Sub-Total Non-Credit Functions

Balancing in CBS Cash Management Currency Chest Functions Remittance in transit ATM (including Cash Management) Banker Account & Clearing Imprest Account Suspense Account Sundry Account Daily Monitoring System (DMS) & Checking of Reports Opening of a/cs & KYC norms Conduct & maintenance of Accounts & Records Security Forms Inventory Management Bills for collection, DDs Receivables & Parcels Conduct of Govt. Business Safe Deposit Vault & Articles / Documents in Safe Custody Customer Service
300
12 9 8 6 8 12 7 7 24 82 26 16 4 8 10 11
Sub-Total
250
10
Sr. No.
Parameters
Max. Marks
Applicable Marks
Present Risk Assessment Date________ Marks allocated by Auditor ZAO
Previous Risk Assessment by ZAO Date________ Risk Category Marks

allocated
Risk
Category
III.
1 2 3 4 5
Computer Functions
Environmental Controls Physical & Logical Controls Maintenance & Business Continuity Controls Networking Controls Operational Controls 12 31 25 10 22
IV.
1 2 3 4
Sub-Total Compliance Functions

Status of Inspection Reports Crucial Returns Communication & Response Regulatory Compliance
100
100 40 40 20
Sub-Total V. Branch Management A. General

1 2 3 4 5 6 B. 1 2 3 4 Job Knowledge of staff Up Keep of Branch Premises Expenditures Punctuality / Discipline Rotation of Duties & Placement of Staff HRMS
200
8 22 10 16 12 12
Sub-Total
Security Security Infrastructure Security Manpower & Equipments Security Procedure Fire Safety
80
20 23 12 15
Sub-Total GRAND TOTAL (I TO V )
70 1000
%age Risk Score Control Risk Category
Upto 30 % Low
>30% - 50% Medium
>50% High
Matrix for awarding DEVIATION SCORE to various sub-parameters under Control Risk Frequency Volume (Amt.) NEGLIGIBLE upto 3 % MODERATE >3-6% HIGH >6% FEW Upto10 % 2 5 8 SOME >10 20 % 3 6 9 MANY > 20 % 4 7 10
11
CONTROL RISK FORMAT

I. CREDIT FUNCTIONS
Item No.
Risk Parameter
Risk Yes/ Annx. Weight No No. & Nature
Deviation
Risk Score (3x8)
(1)
(2) 1. Loaning powers have been exercised judiciously, within vested powers and have been exercised within the command area. 2. Loan is sanctioned by the competent authority, is duly recommended by the second officer on prescribed loan proposal format 3. Overdrawing /adhoc limits have not been allowed beyond discretionary powers and if allowed, action has been got confirmed from competent authority 4. (a) Over-drawings / adhoc limits under discretionary powers have not been allowed: (i) Frequently, as a matter of routine, (ii) Where limits are overdue for review/ renewal, (iii) Where adequate stocks are not available, (iv) In account(s) showing signs of incipient sickness even if it is under Standard Asset category. (b) Drawings against uncleared cheques/ drafts have not been allowed in a routine manner. (c) Clean overdrafts within discretionary powers are adjusted within stipulated time. 5. Facilities particularly LC / Guarantee / SBLC / LOC / Bills Purchased are not extended on ad-hoc basis frequently instead of setting up of regular limits. 6. No other irregularity observed in the guidelines relating to exercise of loaning powers (not covered above)
(3) 5 2 6 ZTL
(4)
(5)
(6) (7) (8)
(9)
1. EXERCISE OF LOANING POWERS
4 2
TOTAL 23 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 2. PRE SANCTION APPRAISAL
1. KYC norms have been adhered to / spot verification of borrowers / guarantors place of business/ residence is done/ antecedents are verified to ascertain the genuineness of the borrower/ guarantor and have been recorded in the visit Register. 2. (a). Photographs, photo based ID proof, address proof and PAN (duly verified) of borrower/guarantor and other co-obligants are available on record (b). Unit inspection register as prescribed has been maintained. 3. Eligibility criteria have been adhered to and proper scrutiny of past conduct of account of borrower / guarantor is done by obtaining statement of Bank a/c for past six months, Copies of salary certificates, Income Tax Returns, details of Revenue Record (i.e. Khasra/Khatoni) have been got verified from related Offices. 4. CIBIL / Credit Information Companies (CICs) records, RBI defaulter lists, ECGC caution lists etc. have been verified to ascertain previous indebtedness of borrower. 5. (a) Credit Information Reports (CIRs) from CIBIL / CICs have been drawn for Consumer or Commercial Borrowers/ Guarantors/Co-obligants requiring fresh credit facilities before sanction of facilities as well as at the time of renewal/review/ enhancement of such facilities. (b) CIRs from CIBIL / CICs form part of the proposal and copies thereof being kept in the file alongwith other documents. (c) The record of CIRs drawn from CIBIL / CICs database and recovery of charges from the borrowers is being maintained in separate register (d) Consent clause has been included in all (applicable) documents obtained from borrower/ guarantors and other obligants. F= Frequency, V= Volume, S= Score 5 FSI
5 FSI
4 FSI
12
(1)
(2) 6. (a) In case of financial information/documents signed by CA Firms and submitted by Borrower, (i) Status of Membership and Address of CAs/Firms is ascertained from the Website of ICAI, and (ii) Confirmation is sought from concerned CAs/Firms about genuineness of signatures affixed on financial information/documents to ensure their authenticity. (b) Proper scrutiny of financial data and assessment of PBF has been done, as per Nayak Committee Recommendations/Traditional Method/Cash Budget System as the case may be. (c)Assessment of technical feasibility and economic viability of project is ensured by technical officer and appraising officer. (d) Standardized Credit Appraisal Format has been used wherever applicable. 7. (a) Credit risk rating has been done in eligible a/cs as per applicable Risk rating Model and vetted as prescribed.(including accounts due for renewal) (b). Accounts having FB + NFB exposure of above Rs 5 crore have been got rated from approved external rating agency. (c).Wherever applicable Loan Automated Processing System (LAPS), Rule based lending system (including eligible SME advances, Agricultural advances etc.) is being followed. 8. (a). CRs of borrowers/ guarantors have been compiled properly and are indexed. (b). Assets as per CR have been verified. (c). Compilation and review of CRs has been done properly, necessary supporting papers obtained and verified. 9. Search certificate in respect of Registration of charge and also in respect of existing charges have been obtained from ROC and held on record. 10. Guidelines (including prior approval / administrative clearance, wherever required) relating to takeover of advances from other banks/FIs (including rating norms) have been adhered to. 11. In case of renewals/ enhancement, adverse features like improper conduct of the a/c, significant variance of projected / provisional balance sheet with final balancesheet, over dues to other banks/ financial institutions, IR irregularities etc. have been considered in the proposal. 12. (a) Other H.O. Instructions/ guidelines are followed, such as: - Information which affect interest of borrowers (such as margin requirements, interest rates, various fees/charges etc.) are provided alongwith loan application. - Proper application form complete in all respects duly signed, is obtained from the borrower. - Letter of sanction is being issued to borrowers, Acceptance of terms & conditions obtained from the borrower and copy of Documents handed over to the borrowers. (b) In case of rejection, applicant is intimated the reasons of rejection. (c) Necessary clearances/ licenses/approvals have been obtained. (d) Proposals (including export credit) are disposed off in prescribed time. (e) Proposal received and disposal register is maintained and updated properly. Loan proposals are entered in the On Line Tracking System. (f) Pre Sanction conditions if any, given in sanction of HO/Circle Office/Retail Hub have been complied. (g) All other formalities prescribed in banks various schemes such as Retail Lending, Agriculture Advances, SMEs etc., have been completed.
(3)
(4)
(5)
(6) (7) (8)
(9)
F3 4 3
3.
TOTAL 44 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet DOCUMENTATION AND CREATION OF CHARGES
1. (a) All the requisite documents have been obtained / properly executed and held on record including jointly executed documents in consortium advances (copies of documents, in case of consortium advances, where we are Member). (b) Certified that documents are enforceable in the court of law. (c) Vetting of documents before and after execution have been got done from Banks approved advocate, wherever applicable. (d) Documents have been adequately stamped as per rate in force. 2. Creation of charge Banks charge is registered with the Registrar of Companies within stipulated time and search report thereafter obtained .
4 FSI
13
(1)
(2) 3. In case of existing accounts of companies, such search has been got conducted at the time of renewal/enhancement so as to ensure that no charge has been created in the intervening period by the other Bank/lending institutions to the detriment of Banks interest 4. Second/ Pari-passu and modification of charge is created on the securities charged to the bank within the stipulated period. 5. Vehicles financed by the bank are jointly registered within one month from the date of disbursement of the loan amount if not simultaneously.
(3) 1 2 4
(4)
(5)
(6) (7) (8)
(9)
TOTAL
18
14
10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 4. MORTGAGES
1 (a)Genuineness/non encumbrance of title deeds of the IPs to be mortgaged is ensured and search certificate covers entire period from the last date of transfer and not merely 13 years. (b) Certified copy of title deed obtained/verified and kept on records. (C) Equitable mortgage created has been registered with central Registry within 30 Days of creation of EM. 2. IPs offered have been properly got valued from Banks approved valuer on Banks prescribed format covering points like verification of sites, approved plan, etc. 3. BM`s visit cum valuation report certifying valuation of IP is held on record. Site verification of IP has been done independently. Photograph of IPs mortgaged has been obtained & kept on record. (Duly signed & dated on back by owner). 4. (a) Proper & enforceable Equitable/Registered Mortgage of IPs have been created in all accounts as per norms. (b) Memorandum of deposit of title-deeds has been obtained, is properly filled up, and has been signed by the holder of the title-deed of the property. (c) Certified copy of Board resolution of company mortgaging its IP for securing loan for itself is available on record. (d) Recital has been signed by authorised officials and has been duly witnessed. (e) Date/time on letter of intent of deposit of title deed is later than date/time on which title deeds have been deposited. (f) Value of the property has been duly filled up in the relevant column with BMs signatures. (g) Date of letter of continuity is after the date of recital in the title deed register. (h) Acknowledgement of receipt of title-deed has been sent by the branch and proof of the acknowledgement filed securely 5. The title-deeds of mortgaged IPs have been received within stipulated period and are held on record. (Housing loan cases where the title-deeds received after disbursement, are also to be covered here) 6. (a) Checklist and undertaking in terms of FPIS guidelines have been compiled and available on record. (b)All documents mentioned in NEC have been obtained & complete chain of title deed has been obtained. 7. (a) All title deeds in respect of mortgages created are available on record. (b) Title deeds have been kept in strong room in fire proof almirah. (c)Annual checking of Title deeds is being done and necessary certificate is available on record. (d) Fresh valuation of IPs have been got done in all applicable cases as prescribed. (e) IPs held as Primary and Collateral securities are visited/checked at prescribed intervals and proper record is maintained in a register thereof. 8 (a) Noting of charge/ mortgage in the records of sub-registrar & Revenue authorities has been got done within stipulated time & mutation also got done. (b) Mutation of charge has been verified from Municipal / Revenue records. 6 ZTL
4 6 ZTL
3 4
5.
TOTAL 36 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet POST. SANCTION MONITORING AND FOLLOW UP
1. All the terms & conditions of sanction (including advances under retail lending schemes) have been complied with. (Refer check list). 2. LADDER Data is created/updated and also checked without delay and in terms of guidelines. Authenticity of Data is ensured. Outsourcing of LADDER work is not being done. 3. CARD audit has been conducted in eligible accounts and no report in respect of CARD Audit is due for closure. 4 1 3
(1)
(2) 4. (a) Subsidy has been lodged/ received in eligible cases. (b) All guidelines relating to subsidy provided under Govt. sponsored schemes are followed and interest is not charged on loan amount representing subsidy component. (c) Interest subvention is claimed from the Govt. as per guidelines and correct interest is charged. (d) Claims have been lodged in time and proper record is maintained. 15
(3) 2
(4)
(5)
(6) (7) (8)
(9)
5. (a) All sanctioned limits, including Term Loans, have been renewed/reviewed as per Banks prescribed guidelines within due date. (b) CRs for all sanctioned limits have been reviewed/renewed, as per prescribed guidelines. (c) CRs in case of NPAs have been reviewed/compiled, if not reasons thereof have been recorded. 6. (a) Balance-sheet and other financial papers for renewal of WC limits have been obtained from the borrowers. (b) Any deterioration in Risk rating of an advance(s) in respect to previous rating has been taken into account at the time of review/ renewal. c) Audited annual statements of accounts have been obtained, wherever applicable and on scrutiny no variations have been observed. 7. Pricing of loans (application of rate of interest on advances) has been done as per prescribed guidelines & as per risk rating of the account wherever applicable. 8. Sales proceeds are being routed through the account by the borrowers. Indicate the %age of sales routed through the a/c vis--vis actual sales and projected sales. 9. (a) End use of banks finance has been verified, guidelines regarding disbursement complied, genuineness of supplier ascertained and necessary certificates from borrowers / auditors about non-diversion/non-siphoning of funds obtained. (Refer check-list). (b) In case of in-correct certification about end use of funds, prompt action has been initiated, including withdrawal of sanctioned facilities & legal recourse. 10.Stock Statements are submitted in time by borrowers and stock/ securities are being checked by the branch officials as per terms of sanction/guidelines and record thereof maintained. (separate report is to be prepared for advances of Rs. 5 lacs and above) Refer check-list) 11. (a) Stocks are being checked in rotation by different officials. (b) No DP is being allowed against old, deteriorated and unsaleable stocks, spares of more than 1 year old and unpaid stocks or as per terms of sanction. (c) Stock statement has been submitted (also for allocated limits) on PNB 938 (PNB 939 in case of Book Debts) and valuation of the stock has been made as per mandatory Accounting Standard (AS-2) prescribed by ICAI (i.e. cost Price / Market Price/Net Realisable Price, whichever is less). (d )In case of pledge account: 1.No unauthorised operation in the pledged godowns has taken place. 2.The doors of the godowns are kept locked with Banks locks with Banks name engraved on them 3.Market rates register is properly maintained 12. (a) Stock audit in applicable cases has been got done. (b) QRS/QMS statements, wherever applicable, are submitted timely and held on record (including those within BM powers). (c) PMS (Preventive Monitoring System) Statements are submitted in applicable cases. (a) PERT Charts, in case of Term Loans of Rs 25 Crore and above are prepared and monitoring is done as prescribed. 113. (a) Insurance is available, valid policy held for all the securities mortgaged or hypothecated to the Bank for full value and proper record (manual/computerized) is maintained/updated accurately in all accounts including NPAs and entered in CBS system. (b) All insurance policies are renewed on a common date i.e. 15th May, 15th August, 15th November and 15th February. (c) Securities charged to the bank are adequately insured with agreed bank clauses per sanction and renewed timely. Insurance policies have been obtained from insurance companies approved by bank. 14.(a) Limitation is available in all loan accounts including NPAs and BC letters are obtained at given periodicity and entered in CBS System. (b) No procedural irregularity has been observed in limitation and BC letters. (Refer check list) (1) (2) 15. All formalities relating to sanction and disbursement are complete in a/cs with securities like Deposits, NSCs/ KVPs, Life Policies, RBI/Govt. Bonds, Shares/ Debentures/Units of Mutual Funds, & Gold/Silver Jewellery/Ornaments etc. and Pension Loans. (including such loans to staff members). (Refer check-list)
5 4 6 ZTL
5 FSI
(3) 5
(4)
(5)
(6) (7) (8)
(9)
16
16. All formalities relating to sanction and disbursement are complete in loans under Staff Welfare Schemes like Housing Loans/ Vehicle Loans/ Festival Loans/Clean OD limits etc. (Refer check-list) 17. Prompt action is taken in case of persisting irregular accounts / potential NPAs. (details of outstandings irregular a/cs for more than Rs.1 lac are to be enclosed) 18. All out efforts are made for recovery in priority sector and non-priority sector advances
5 5 5
6.
TOTAL 75 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet ACCEPTANCES, ENDORSEMENTS AND OTHER OBLIGATIONS
1. (a) Facilities of NFB has not been allowed on ad-hoc basis and bills under it not coaccepted where customer is not enjoying credit facilities from us. (b) Terms of sanction and system & procedures are followed in issuance of LGs/LCs/SBLCs/LOCs. (Refer check-list) 2. Entries of expired LGs have been reversed as per prescribed guidelines. 3. Banks dues have been recovered from customer wherever LGs/LCs/SBLCs/LOCs have been invoked/devolved. If debited to Due Date Default, banks dues stand recovered. 4. LCs have not been opened without consent of competent authority, where there have been two consecutive devolvement. 3 1 4 2
7.
TOTAL 10 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet BILLS PURCHASED / DISCOUNTED
1. Unauthorized DDs / Accommodation bills/cheques have not been purchased and if purchased, got confirmed from the competent authority. 2. No irregularities have been observed in bills purchased / discounted transactions. (Refer check list) 3. Detention period at drawee branches is generally adhered to and proper follow up of overdue bills is made. 4. DDs purchased are realized in reasonable time. Efforts are made for recovery in overdue cases. List of DDs outstanding for more than 30 days be enclosed. 5. Bills drawn on parties whose bills have been returned unpaid / unaccepted earlier, are not again accepted for purchasing/ discounting. Amount has been recovered from the party in respect of Bills/cheques returned unpaid. 6. Bills are promptly dispatched through courier / registered post. 4 FSI 2 1 4 2 1
TOTAL 14 10% oF Total Risk Scores (as per column 9) carried over to Summary Score Sheet 8. FOREX CREDIT
1. Prescribed procedures are followed in export credit. (Refer check-list) 2. Prescribed procedures are followed in import credit. (Refer check-list) 3. Prescribed procedures are followed in other forex operations. (Refer check-list) 4.The amount of loss is recovered where Forward Contracts booked by the parties are not honoured. 5. FLCs /SBLCs / LOCs are scrutinised properly. 6. The unrealised export bills are de-linked on due dates and the un-recovered portion, if any, is debited to the appropriate head. TOTAL 4 4 4 4 2 2 20
10% oF Total Risk Scores (as per column 9) carried over to Summary Score Sheet 9. NPA MANAGEMENT
1. (a) Identification of NPAs & their reporting is done as per guidelines. (b) Identification of NPA through LADDER matches with CBS System. 2. There is no fresh slippage of advances to NPA category. 3. There are no cases of quick mortality (advances becoming NPA within one year of release/disbursement) 4 5 4
(1)
(2) 4. (a) Efforts have been made for upgradation of a/cs under NPA category by making all efforts including implementation of Securitisation Act for recovery/State Recovery Act/ Lok Adalat, wherever applicable. (b) Timely & Proper steps have been taken for taking possession of IPs and disposal of properties possessed under SARFAESI Act. 17
(3) 5
(4)
(5)
(6) (7) (8)
(9)
5. Proper record of all written- off a/cs is maintained and continuous efforts are being made for recovery in written off accounts. 6. There is no erosion of primary/collateral securities in NPA accounts. 7. (a) Suits have been filed in eligible cases. (b) In suit filed cases proper follow up is made with advocates/DRTs for fastening recovery 8. (a) Application for Attachment before judgement has been made in eligible cases. (b) Execution petitions have been filed in Decreed Accounts and are being followed up regularly/ effectively. 9. Proper follow up has been made in the cases where Recovery certificates have been filed under State Recovery Act.
3 3 5 5 2
TOTAL 36 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 10. REVENUE AUDIT IN CREDIT
1. Following reports are being generated checked and corrective action being taken. (a) Shortfall charges Report (Dayrpt 23/3) generated and charges recovered on daily basis (b) Report CHGIR generated and checked for recovery of deviated charges. (c) Report PNBRPT 3/36 being generated to ensure recovery of penal interest in Retail lending accounts.(on monthly basis) (d) Raudit reports -1/15,16,17,18 are being generated , checked and corrective action is being taken. 2. (a) Correct interest rates are being charged in loan accounts. (b) Cases with Interest rate reset clause stipulations are diarized and the interest rates are examined/reviewed w.e.f. reset date (c) Correct interest table codes have been entered in the system in loan accounts. 3. Interest success and failure reports are being generated and corrective action being taken. 4. (a) Penal interest is being recovered. (b).Checking of interest calculations and interest applications is being done, as prescribed. 5. (a) Processing fee/ Upfront fee/Documentation charges have been recovered in all loan accounts as prescribed. (b) Charges for allowing advances against uncleared effects are invariably recovered. (.Ref-report Raudit 2/20) (c) All charges to be recovered from borrowers have been recovered (NEC, Valuation of IP , Inspection of Securities etc.) (d) All charges refunded are within vested powers and as per banks guidelines. (e) Proper record of concessional rate of interest allowed and waivement of charges by Incumbent /higher authorities is maintained.
2 2 1
10 TOTAL 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 11. OTHER OBSERVATIONS 1. SRM (Security Register Maintenance) is done / updated correctly, vital details such as limitation, insurance, drawing power etc. are properly entered, updated and valid MIS Codes correctly entered in the system for MIS generation in the CBS System. List irregularities, if any. 2. Guidelines (including prior approval / administrative clearance, wherever required) in respect of exposure to sensitive sectors (which includes finance to Capital Market, Real Estate Sector, Edible Oil, Cash Crops, Agriculture Produce and other Sensitive Commodities) have been followed. 3. Guidelines in respect of credit exposure to a single/ group or industry have been followed. 4. Guidelines in respect of consortium advances / multiple banking have been followed including periodical exchange of information/ financial data. 5. Guidelines in respect of sick units, terms & conditions of rehabilitation packages and monitoring of such units etc. are followed. 6. Any other irregularity not covered anywhere in credit function. 4 2
1 1 4 2
TOTAL 14 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet
18
II. NON-CREDIT FUNCTIONS

Item No.
Risk Parameter
Deviation
Risk Score (3x8)
(1)
(2)
(3) 5 FSI 2 5 FSI
(4)
(5)
(6) (7) (8)
(9)
1. BALANCING IN CBS 1. All balances required to be tallied in CBS have been tallied {including manual
ledgers viz. CDS (ITP) & Mini-Deposit}. 2. (a) Balances of overdue FD/RD/cash order wherever kept in current account under general scheme have been tallied / reconciled and closed, as prescribed. (b) Balances of PPF/RBI Bonds/ Tax Savings scheme have been reconciled with RCC/Link Office 3 Balances of any head(s) has not been tallied by creating a separate dummy account for parking of entries and there is no outstanding in upload accounts.
2.
TOTAL 12 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet CASH MANAGEMENT
1 3 FSI 2 FSI 2 1
1. (a) Cash Ratio of the branch is ____% and is within prescribed limit. (52 weeks average) (b) Cash beyond prescribed/ insurance limit was not held. 2. Cash (including cash at ATM, wherever applicable) is kept in joint custody & checked at prescribed intervals. ATM Cash register (PNB 1064), wherever applicable is being maintained. 3. Proper control over tokens is exercised, PNB 135 is maintained and safeguards are followed meticulously. 4. (a) Clean Note Policy is being observed. (b) CBS Terminals have been provided to Staff manning Cash Counters. (c) Duplicate keys (including ATM Key) have been got exchanged during the course of audit. (d) System of Computer generated Cash Receipts has been implemented. 5. No other deviations have been observed. (Refer check list)
TOTAL 9 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 3. CURRENCY CHEST FUNCTIONS
1. (a) Monthly certificate in terms of GBD HO Circular is being submitted to Circle Office by Currency Chest. (b) Bi Monthly verification of chest balances is being done by an officer duly authorized by the Circle Head. 2. (a) Police guard / Home Guard deployed in the Currency chest Whether the strength of police guards found adequate at the time of inspection (check their attendance register). (b) Various security gadgets installed in Currency Chest are in working order 3. (a) Currency chest slip on form i-02/ICCOM format showing daily transactions / operations as well as currency chest balance is put up to the Incumbent Incharge on daily basis. (b) Balances are tallied on daily basis with Link office / RBI. (c) Currency chest is implementing all parameters of clean note policy. 4. Currency chest book in TE-1 is maintained by chest officer strictly as per RBI instructions and daily cash balance report sent to link office / RBI through I-02/ICCOMS report duly tallied with balance in currency chest book. 5. (a) Bin wise register is tallied by the cash officer every week with currency chest book. (b) No uncounted or unaccounted cash is kept in Currency Chest. (c) Cash holding in currency chest is within capacity. (d) Joint custody / control is exercised by both the custodians. (e) Transactions are not allowed by the Currency Chest directly to any customer. (f) Branch Cash/ Documents are not kept in the strong room of currency Chest. 6. No amount is outstanding in suspense register on account of shortage /forged note detected. 1
19
(1)
(2) 1. Prescribed safe guards have been observed in remittances and Cash Movement Register Cash Remittance Register (PNB 861) are properly maintained. 2. (a) Cash is being remitted through authorized vehicle/prescribed mode only. (b) Remittance in Transit entry is adjusted promptly but not later than 3 days.
(3) 5 FSI 1
(4)
(5)
(6) (7) (8)
(9)
4. REMITTANCE IN TRANSIT
TOTAL 6 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 5. ATM (INCLUDING CASH MANAGEMENT)
1.(a) ATM cabin door lock is working, cabin is clean, dust free and AC functions properly.
(b) CCTV installed in ATM is functional & recording is retained, as prescribed. 2. (a) Cash holding limit is fixed as per norms. (b). In case of ATMs, where cash is replenished by the branch, BM/ 2nd Man conduct physical checking of cash alternately on fortnightly basis & at irregular intervals. 3. (a) Custody of the keys of the Top Chassis of the ATM remains with ATM Incharge (b) In case of bio-metric ATM- Admin Card remains in dual custody. 4. (a) ATM custodian or Outsourced CIT Agency perform EOD activity, as prescribed to check the cash in each cassette physically & tally the same with print out taken from machine (b) All necessary records are maintained in prescribed register as applicable to ATM 5. (a) Combination lock is changed by new custodian during handing over / taking over process and new code replaced in sealed cover. (b) JP logs are retained in branch record with vouchers 6. (a) ATM Imprest account (Finacle 5811331) is reconciled on daily basis. (b) ATM transactions are reconciled within stipulated time. (c). Shared network cardholders aquirer transactions are accounted for and claim for transactions not settled in manual settlement are lodged within stipulated time period. (d) ATMs monthly certificate at the close of each month (on Appendix prescribed as per HO guidelines) is sent to Circle Office, upto 7th day of succeeding month.
1 1 1
TOTAL 8 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 6. BANKERS ACCOUNT AND CLEARING IMPREST ACCOUNT
1. Branch is tallying and reconciling Clearing Imprest account (3211201) entries on daily basis & making it NIL on Friday but not by parking difference in a dummy account. 2. Branch is tallying and reconciling imprest accounts of Extension counters/ administrative offices and other impersonal accounts including subsidy account at prescribed periodicity. 3. Bankers account is tallied with GL and reconciled with statement received from the concerned Bank periodically and proper follow up is made for early adjustment of outstanding entries. Differences are not parked in a dummy account. Details of unreconciled entries of more than one month old be attached. 4. Heavy balances are not maintained in Banker account and excess balances are remitted to HO through RTGS. 6 ZTL 2 FSI 3 FSI 1
TOTAL 12 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 7. SUSPENSE ACCOUNT
1. (a) All debits are passed by the Incumbent Incharge/ authorized officer. (b) No unauthorized debits / unusual items observed. 2. Report on outstanding entries is generated every month and checked by Incumbent Incharge. 3. Proxy entries in Suspense a/c are adjusted within 3 days. 4. Suspense clearing entries are adjusted within 10 days and clearing differences have not been parked in Suspense Account. 5. There are no old outstanding entries (beyond 15 days) including RDA other than of permanent nature. If yes, details of such entries be attached. 1 1 2 FSI 2 FSI 1
TOTAL 7 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 8. SUNDRY ACCOUNT
1. Original vouchers are retained in separate file as per prescribed procedure and concerted efforts made for adjustment of outstanding entries. 2. Proxy entries in Sundries are reversed at the earliest / within 3 days. 20 1 2 FSI
(1)
(2) 3. (a) Entries pertaining to Sundry FEX revaluation, TDS, ATM, Sundry FD interest, excess cash unclaimed for more than 6 months etc. are being adjusted in time and as per guidelines. (b) There are no old outstanding entries (beyond one month) other than of permanent nature. If yes, details of such entries be attached. 4. Entries connected with deposit a/c : - outstanding for more than 2 years stands transferred to Sundries Unclaimed Deposit head on half yearly basis. - outstanding for more than 5 years have been transferred to Circle Office as per prescribed procedure/ guidelines. 5. Entries in Sundry Non Customer account 3171160 and Sundry RCC 3171158 are normally reversed on daily basis, but no entry remains outstanding for more than 3 days. 6. (a) All debits are passed by the Incumbent Incharge/ authorized officer. (b) No unauthorized debits / unusual items observed.
(3) 1
(4)
(5)
(6) (7) (8)
(9)
1 1
TOTAL 7 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 9. DAILY MONITORING SYSTEM (DMS) & CHECKING OF REPORTS
1. Following reports are being generated and checked (a) List of authorized users (DAYRPT 1/8). of manual transactions through TM where value date is earlier than Transaction date (DAYRPT 2/29A) (c) Day Book (DAYRPT 2/8) 2. (a) Control Reports (vig User Created Transfer Entries, System Generated Transfer Transactions and Clearing Journal) prescribed for tallying of vouchers are being generated. (b) Other important reports of PNBRPT, PNBREP, DAYRPT and RAUDIT are generated and checked regularly. Corrective action is being taken in terms of reports generated and checked. 3.(a) Daily Monitoring System (DMS) is meticulously implemented in Branch and following Control reports are generated / monitored /checked daily as prescribed: (i) Exceptional Transactions Report (EXCPRPT)
(b) Details
5 FSI
(ii) Temporary overdrafts Report (TODRP) (iii)Outstanding Proxy Posted Transactions (SPTM and MSGOIRP) (iv) Long Book of Incumbent (PNBRPT 2/19) (v) UPM CHANGES Reports (AFP for UPR) - Changes made in the profile of
Users of the branch.
6 ZTL
(vi) GL balance Report (DAYRPT 6/1) (vii) Report on Intersol TOD granted in CC/OD/SB/CA accounts
(DAYRPT 2/28) (viii) Transactions entered /posted by same employee (DAYRPT- 2/20)
(ix) Report of Manual Transaction in System only Account (PNBRPT 9/91) (x) Report on Position of Assets & Liabilities.
(b) All above reports have been filed and stored properly. 4. (a) Products and interest calculation checked as per guidelines. (b) Interest Success and Failure Reports in Deposit Accounts and other Raudit reports are generated, checked and corrective action is being taken. (c ) Correct provision of interest accrued on deposits & advances has been made . 5. Confirmation/authorization by the Incumbent Incharge/authorized officials obtained on vouchers relating to Interest Accrued Head, as per guidelines. 3 6 ZTL
TOTAL 24 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 10. OPENING OF ACCOUNTS AND KYC NORMS
1 AOFs of all a/cs opened are available on record and kept under proper custody. 2. (a) AOF / Forms of ATM/ Debit card/photographs/SS slips are properly filled, attested by authorized persons/officials with PA numbers/date and are properly filed. (b). Records for NRE accounts and relative AOFs are kept separately as per RBI directives. 21 4 FSI 8
3. (a) Proper AOFs have been obtained in respect of all accounts opened. (b) AOFs are accompanied by all supporting papers like Partnership deed, Memorandum and Article and Association, PNB 984 etc. as prescribed. (c ) Income proof of the depositor has been obtained.(Salary Certificate ,ITR copy, Audited Balance sheet etc )
(1)
(2) 4. Proper introduction is obtained and Introducers signatures verified, as per guidelines. Letter of thanks are sent to Introducers, when they do not come personally at the Branch. 5. Proper Photo based ID proof has been obtained. Photograph on ID proof matches with actual photograph. Name on ID proof and on AOF/System is exactly same. 6. Independent verification of the address of new a/c holders is done. 7. (a) Address on address proof and on AOF/System is exactly same. (b) Letter of thanks is sent to new account holders through Regd Post/courier & POD is held on record. 8. (a) ID Proof/address proof are not old and are valid (e.g. copy of telephone/electricity bill held is not more than two months old, Passport expiry date is not prior to account opening date etc.). (b) While opening accounts of Sole-Proprietorship Concerns, Customer Identification Procedure guidelines are followed. (c) Photocopies of ID proof and address proof have been verified from originals and duly signed by verifying official with stamp and PA No. 9. Cheque books in new accounts are not being issued without verification of address. 10. (a) Correct risk classification of customers is being done. (b) Risk categorization of customers is being done in the system and AOF (c) Risk categorization is being updated periodically. (d) Customer information is being updated periodically as per Banks guidelines 11. (a) PAN/ Form 60 has been obtained in all applicable accounts and copies of PAN Card duly verified held on record and entered in the system. (b) In case of Minors account, Form 60/ 61/PAN of guardian has been obtained 12. Self attested recent photograph of the account holders have been obtained. Photographs have been duly verified by branch official with PA number. 13. (a) Nomination has been obtained in all eligible accounts and properly recorded. (b) In case of Minors account nomination has been made by guardian only. (c) Acknowledgement of nomination is being given to customer. (d) Nomination has been properly witnessed (Nomination is to be witnessed even in case of non availment of nomination facility by depositor) 14. Any other irregularity in observation of KYC norms not covered above.
(3) 5 FSI 6 ZTL 6 ZTL 6
(4)
(5)
(6) (7) (8)
(9)
6 FSI 9
6 4 FSI 5 6
82 TOTAL 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 11. CONDUCT & MAINTENANCE OF ACCOUNTS & RECORDS
1. Transactions in newly opened a/cs are monitored/ watched for at least first 6 months as per guidelines. Every leaf of First cheque book issued is being marked as New Account on the top. 2. Transactions are monitored as per AML guidelines and Suspicious Transactions, if any, are reported in prescribed manner. CTR (Cash Transaction Reports) is generated, scrutinized, submitted as per guidelines and copy placed in file. 3. Payment is not allowed on withdrawal slip without passbook. If allowed, permission of incumbent is obtained. & any other irregularity (Refer check list) 3 FSI 3 FSI 1
22
4. (a) Cheque book is issued on the basis of request other than on Requisition Slip with BMs/authorized officers permission. (b) Requests for personalized Cheque Book / IBS / Debit Card are entered & verified on the same day. (c) Acknowledgements from a/c holders (on PNB 119) are obtained & marked off as prescribed, in case of Non-personalised cheque books. (d) Magnifying Glass and Ultra-Violet (UV) Light Source are installed and used on every desk in the branch dealing with cheque payments / cheques sent for collection / clearing and handling Cash.
5 FSI
(1)
(2) 5. (a) Letters are issued to Account Holders (after 5 & 21 months for CA a/cs, after 11 & 21 months for SF a/cs), in case of a/cs likely to be transferred to Inactive & Inoperative Category respectively, due to non-operations. (b) Demand deposit accounts not operated for 24 months have been transferred to inoperative others accounts. (c) Accounts not operated for 10 years and above have been transferred to Inoperative a/cs 10 years & above. (d) Cash orders older than 6 months are transferred to overdue category. 6. Prescribed safeguards in operation and maintenance of inoperative accounts have been observed. 7. Full particulars of a/c holder, cheque book issued, other instructions are entered & regularly updated into the system and checked/ authorised by the Section Incharge. Record of the customers instructions etc. kept properly in era files. 8. Vouchers are handed over to Daftri against proper receipt. 9. (a) Vouchers are tallied, stitched & signed by the custodians in the voucher register. (b) Voucher register is up to date. 10. (a) Vouchers have been kept under lock and key and proper procedure is followed for handing over the vouchers to different officials in case of need. (b) Cash payment Vouchers have been kept in the strong room.
(3)
(4)
(5)
(6) (7) (8)
(9)
6 ZTL 1 1 3 FSI 2
TOTAL 26 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 12. SECURITY FORMS INVENTORY MANAGEMENT
1. Security forms have been kept in a fireproof cabinet / safe in the strong room, under the joint custody of two officers, 2. Security forms (including KCC, ATM/ Debit cards, LCs, LG forwarding letters, IBS Pass Words & un-delivered personalised cheque books) are checked at the time of receipt from Head Office and entered in the system as per guidelines. 3. Periodical Physical verification of security forms by Branch officials is done, as prescribed. 4. Record of movement of Security Forms during the day is maintained in CBS and control is exercised. IMR is generated and checked. 5. GBPAs of all authorised officials and Banks book of authorised specimen signatures kept in dual custody and handled by authorised official only and updated regularly. 6. (a) Periodical checking of Gold Coins is done as prescribed. (b) All guidelines related to Gold and Gold Coin Business are followed. 1 6 ZTL 5 FSI 2 FSI 1 1
TOTAL 16 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 13. BILLS FOR COLLECTION, DDS RECEIVABLE AND PARCELS
1. Procedural instructions regarding custody / disposal of Inward/Outward Bill and Parcels are observed. 2. Outstandings of unpaid bills is taken down / generated and physical checking of Bills forwarding with outstandings is done on the basis of prescribed guidelines. 3. Senders / branchs instructions are being complied with and Inward bills are over detained only with express authority from the sender branch / party. 4. Regular follow up is being done for realisation of instruments sent for collection. (Detail of outstandings for more than one month be enclosed). 1 1 1 1
23
14. CONDUCT OF GOVERNMENT BUSINESS

1. In respect of OLTAS for direct taxes, Data & amount is matching ; NIL report is sent when there is no transaction ; all mandatory fields are filled up correctly like PAN NO. / TAN NO. etc. Also amount is being remitted to Focal Point and tallied on the same day in OLTAS with remitted challans; Computer generated CIN number is properly noted and given to the customer in OLTAS. 2. All govt. dues viz. direct taxes, indirect taxes, PPF, etc. are collected and remitted on the same day by Intersol and there is no delay. 3. No default observed in payment of pension / reliefs / arrears maintenance/ updation of Pension Payment Orders, obtention of life / non-marriage / non-employment certificates and marking payments on PPOs etc. 3
3 2
(1) (2) (3) (4) (5) (6) (7) (8) (9)
15. SAFE DEPOSIT VAULT & ARTICLES / DOCUMENTS IN SAFE CUSTODY Total Lockers_________No of vacant Locker________Locker rent in arrear___________
1. No irregularity has been observed in obtention & custody of lease-deeds of lockers. 2.(a) Locker Module has been implemented in CBS & Manual ledgers are discontinued. (b) Lockers are being operated & their keys are kept by authorized officials as per norms. 3. (a) Locker holders have been classified into Medium and High Risk categories. (b) Monitoring of operations in lockers is being done & other guidelines are being followed. 4. Record of Rent in arrear has been properly maintained and regular follow up is made for recovery of overdue rent. 2 2 1 1 1 2 1
5.
Nomination facility is made available for Lockers / Articles kept in Safe Custody and recorded properly. 6. (a) Locks of surrendered lockers are interchanged and keys of vacant lockers are checked. (b) No default observed in compliance of guidelines in breaking open of lockers.
7. (a) Articles in safe custody are kept and recorded properly as per norms/ guidelines. (b) Articles in safe custody are being checked as prescribed. (c) Temporary out register (PNB 167) is maintained for recording movement of securities.
TOTAL 10 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 16. CUSTOMER SERVICE
1. (a) Customers are properly attended and their queries are responded to promptly. (b) Time norms for discharging different jobs/services are being followed/adhered. (c) Customers are given acknowledgement of cheques deposited. (d) Whether pass books are being updated regularly (e) Whether separate counter exists for updation of pass books in Metro/Urban Centres, wherever required. (f) Whether sufficient number of Pass book printers are available in the branch and printing is legible and in order. (g) All necessary Notice Boards (including Comprehensive Notice Board) e.g. time norms, addresses and telephone number of senior officials and Ombudsman Scheme, Service Charges Interest Rates etc are displayed prominently in the branch. 2. (a) Branch follows Banks compensation policy e.g., value dating, compensation on lost instruments etc. (b) Instant credit of outstation / local cheques upto Rs 15000/- is given in terms of Head office instruction (c) Branch allows interest at prescribed rates for delays in collection of outstation cheques beyond 7 / 10 / 14 days as laid down. (d) Branch has implemented Single Window system as per HO guidelines. (e) Branch follows extended Business Hours system of the bank. (f) One Window remains functional during lunch hours (wherever applicable). (g) Customers are encouraged to avail SMS Alert Facility & such requests are entered in the system on the same day.
24
3. (a) Copy of code of commitment to customers is available, staff is aware of its provisions and same are complied with . (b) Branch is practicing Bankers fair practice code and staff is aware of Citizens Charter and sufficient pamphlets and books of the same are available for customers. (c) BCSBI Code of Commitment to Customers is adhered to and adequate copies are available and provided to customers. (d) Customer Service Committee is constituted and functioning at the branch, as per guidelines. Customers/Senior citizens are members of customer service committee, Issues relating to preventive vigilance are discussed , Minutes are recorded and action points are suitably dealt with/ (e) Customer day is observed on 15th of every month. 4. (a) Complaint register PNB-640 is maintained and complaints are entered Communication from customers is acknowledged. (b) Prompt action is taken on all complaints and readressal is done to the satisfaction of customers. (c). Complaints received from CMD Secretariat are redressed within 48 hours.
III. COMPUTER FUNCTIONS

Item No.
Risk Parameter
Deviation
Risk Score (3x8)
(1)
(2) 1. Only IT systems are backed up by UPS(except for the minimal support light) and UPS is backed up by generator or standby UPS depending upon the power supply of the area. 2. Electrical and Data cabling is done in structured manner and not loosely held. 3. Earth to Neutral voltage is less than 2 and checked at least once in a quarter. (Mention last date of checking with reading). 4. Whether all PCs/Printers are regularly cleaned and kept dust free.
(3) 3 3 4 2
(4)
(5)
(6) (7) (8)
(9)
1. ENVIRONMENTAL CONTROLS
TOTAL 12 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 2. PHYSICAL & LOGICAL CONTROLS
1. Proper IT inventory details are maintained and regularly updated in register with following details. PC Date of purchase, Company, Make, Processor, HDD capacity, RAM, Warranty/AMC upto, Price Printer Date of purchase, Company, Make, Inkjet/Laserjet, Warranty/AMC upto, Price Other Date of purchase, Hardware type, Company, Make, UPS Capacity, Warranty/AMC upto, Price 2.(a) Proper record is maintained in respect of Creation/ Deletion of USER IDs in the user maintenance register on specific approval of Incumbent Incharge or Departmental Head. (b) Ceiling of 40:60 for Free and Captive Users is adhered (in case of VLBs / ELBs). 3. Proper record is maintained for the password of other users changed by the DBA in the register and same carries approval of the Incumbent/ authorised official. 4. Adequate segregation of duties is ensured for maker checker concept. Separate user ID is used for performing DBA functions and routine financial transactions and compliance ensured through report dayrpt 2/20 . 5. DBA of branch ensures enabling and disabling of users, creation and deletion of users, etc on daily basis and active user list / report dayrpt 1/8 is generated and checked on daily basis by Incumbent In- charge / authorised official. 6. Undertaking to comply with Security Policy as per ITD guidelines is obtained from users and kept on record. 6
5 6 FSI FS 6 FSI 4
TOTAL 31 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 3. MAINTENANCE & BUSINESS CONTINUITY CONTROLS
1 BCP guidelines are followed in case of link down or non availability of server. Services are rendered to customers as per BCP guidelines. 25 4S
2. Vendor / BFs / BCs are not allowed to perform any routine job / sensitive jobs etc. in place of DBA / SWO / Authorised officer and their activities are monitored by an authorised official and Equipment taken outside banks premises do not contain any information / data. 3. Timely support of hardware vendor is available within 4 hours. 4 (a).Hardware items are covered under warranty/ AMC. (b) .A Copy of AMC / Service Level Agreement is held in the Office. (c).Users are aware of the terms of AMC and the names and contact numbers of AMC Vendors are known. 5. Old data of legacy systems is preserved properly. 6. Dedicated PC is kept operational on 24x7 basis for updation under BCP Automated Guidelines of ITD. 7. No obsolete hardware is lying in branch and the same is disposed off as per ITD guidelines.
4 FSI 2 3
3 6 3
(1)
(2)
(3) 2 2
(4)
(5)
(6) (7) (8)
(9)
4. NETWORKING CONTROLS
1.
Network equipment like Router / Switch / Modem are placed in the least accessible area in a mounted rack under lock and key. 2.Link Downtime register is maintained and updated regularly
3.
(a) In case of failure of Primary link (normally Leased line), immediate switchover to Secondary link (normally ISDN line) is ensured. (b) No delay is observed in switch-over back to Primary link, after its restoration. (c) Bills of Secondary link are paid promptly and their functioning is tested on regular basis. 4.Internet access is not given to PC/System being utilized for a bank application having critical data.
TOTAL 10 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 5. OPERATIONAL CONTROLS
1. Duties of IT functions have been allotted through office order. 2. Number of DBAs in the branch are as per sanction / prescribed. 3. No unauthorised software/ game etc. is loaded in computers. 4. Instructions relating to User Maintenance (creation, deletion, enabling, disabling), Regular Backup (where required) and Number of Users capable of handling the following activities, are followed: Government Business Cash Management Services (CMS) Depository SWIFT Mobile Banking SMS Alert Facility POS Terminals Internet Banking NEFT/RTGS 5. Anti virus software is installed on all PCs and is updated. 6. The signatures are being updated / verified in the system on daily basis. 2 4 4
6 3
26
IV. COMPLIANCE FUNCTIONS

Item No.
Risk Parameter
Risk Yes/ Annx. Deviation Weight No No. F V S & Nature
Risk Score (3x8)
(1)
(2)
(3)
(4)
(5)
(6) (7) (8)
(9)
1.
STATUS OF INSPECTION REPORTS

40
1. (a) Previous Regular inspection report dated _____has been closed within stipulated time frame. @ (b) All other Inspection Reports such as Statutory audit report, RBI Inspection Report IS Audit Report etc. have been closed within reasonable time. 1. (a) Daily / monthly / quarterly audit reports are promptly attended and irregularities are rectified (applicable for under Concurrent Audit). (b) Observations / irregularities pointed out by the Auditors during the course of Regular Audit (both, in case of Concurrent and Non-concurrent branches) are attended to promptly and spot rectification done (to the extent possible) 3. FSI-ZTL, Critical /Very High / High risk/ items are attended on top priority and irregularities are rectified within the stipulated / reasonable time. 4. Irregularities / deficiencies pointed out in Visit Reports of Senior Officers / Security Officer are rectified promptly. 5. (a) Legal Compliance certificate being submitted and corrective action taken by the branch if irregularities reported in the certificate. (b) Quarterly Statement of cheques dishonoured (of Rs.1 crore & above and 3 or more cheques of Rs.25 lacs to Rs.1 crore per account) for want of sufficient funds is submitted to Circle Office as prescribed. (c) Branch is monitoring accounts reported above with frequent instances of dishonor, having unsatisfactory conduct & borrowal a/cs having liquidity crisis, 6. Co-coordinator in the concurrent audit branch has been designated and working effectively.
15
15 15
10
TOTAL 100 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 2. CRUCIAL RETURNS
1. Statement register/ calendar of statements is properly maintained. 2. Control returns are generated & checked. Wherever required, the same are submitted timely to Controlling Office. 3. Queries related to control and other returns are promptly attended to and replied. 4. Other returns including returns sent to RBI / Income Tax Office and other Statutory returns are checked submitted timely as prescribed. 5. (a) Proper record of duly signed copies of statements are maintained in the Branch. (b) List of pending statements is available. 6. MMC is correctly compiled and submitted on time.Queries of CO on MMC are responded promptly. 3 10 FSI 525 10 5 10
3.
TOTAL 40 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet COMMUNICATION AND RESPONSE
1. Registers for Ordinary/Registered/Courier dak/telegram are maintained as prescribed. 2. Courier dak is entered in the register by branch staff only. 3. Dak receipt/disposal register is maintained and its weekly outstanding is taken and checked regularly. 4. Bills, DDs and other documents are delivered to the Officer Incharge with the initials in the Dak Register. 5. (a) Correspondence from Public/RBI/HO/CO is attended promptly. (b) Email is opened and correspondence generated on daily basis and attended prompted 6. Separate files for Documents and Correspondence are maintained in Borrowal A/cs 7. Correspondence is filed methodically, files are paged properly and the standard of correspondence is satisfactory. 5 5 5 5 10 5 5
@ Time frame for closure of reports Within the stipulated time frame & upto 3 months > 3 months & upto 5 months >5 months Risk category Low Risk Medium Risk High Risk 27 Risk score 1-3 4-6 7 - 10
(1)
(2) 1. There is no violation of Govt. / RBI / SEBI / IRDA Guidelines & Directives. (in case instances of violations are noticed and the same are not covered elsewhere under any parameter, the details be enlisted in an Annexure) 2. Income-tax, Statutory Returns viz TDS on salary, Service Tax, rent, interest etc. are prepared and submitted in time. 3. (a) Ghosh / Jilani Committee recommendations relating to frauds / mal-practices are complied with. (b)Mitra committee recommendations (on legal aspects of Bank Frauds -legal compliance certificate) are complied. 4. (a) In case of fraud ,Fraud Proforma is submitted as per guidelines within 2 days on FMR-1. (b) FIR has been lodged in all fraud cases, as per banks guidelines (Present status be given). 5. Raj Basha (Official Language) Policy is implemented as per guidelines
(3)
(4)
(5)
(6) (7) (8)
(9)
4. REGULATORY COMPLIANCE
4 4 4
4 4
28
V. BRANCH MANAGEMENT FUNCTIONS

A. GENERAL
Item No.
Risk Parameter
Deviation
Risk Score (3x8)
(1)
(2) 1. (a) The staff, particularly in loans and foreign exchange deptt., (including in-charge) have adequate/ requisite knowledge & experience. (b) The staff is adequately trained and equipped with knowledge of CBS/computer system and other new concepts & services. 2. (a) Whether conscious efforts are made to upgrade the knowledge and skill of staff. (b) Whether staff nominated for training is invariably relieved for participation.
(3)
(4)
(5)
(6) (7) (8)
(9)
1. JOB KNOWLEDGE OF STAFF

4 4
TOTAL 8 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 2. UP-KEEP OF BRANCH PREMISES
1. Sign boards/indicator boards are installed/displayed in the branch as prescribed.. 2. All SFF items including computers and peripherals are marked with serial numbers and Physical checking is done with SFF records periodically. 3. Old and unserviceable items have been disposed off, as per guidelines. 4. (a) Premises bear a good ambience: (b) Whether branch is white washed/painted periodically. Last date of white wash________ (c).General cleanliness of branch premises is ensured. (d) Proper lighting & sitting arrangement is ensured. (e) Facilities like drinking water is available for customers. (f) Area norms of marking 35% area with a minimum width of 10 feet for customerss lounge are ensured. 5. The lease deed/ rent deed of premises is not due for renewal in near future or otherwise requisite steps have been taken to get it renewed in time. Due date of renewal of lease deed_________ 6.(a) The current cum old record register is maintained, (b) Old record requiring destruction is segregated as prescribed. (c) Old record has been destroyed as per laid down procedure. (d) Date of last destruction __________ 5 3 3
TOTAL 22 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 3. EXPENDITURES
1. Expenditures are incurred under various heads within vested powers and proper record thereof is maintained, as prescribed. 2. The prescribed crucial statements including QAC are submitted to CO as per guidelines. 3.(a) No other expenditure has been debited to water and electricity charges /Law charges/ TA Bill except payment of bills related to these heads only (b) All expenditure vouchers have been debited to correct heads. 4. Excess expenditure, if any, has been got confirmed from the competent authority 5. Prescribed procedure has been adopted for making purchases/expenditures. 3 1 2 3 1
TOTAL 10 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 4. PUNCTUALITY / DISCIPLINE
1. No irregularity observed in timely opening of branch and prescribed public hours are observed. 2. Staff members mark their presence 15 minutes before the working hours of the branch and do not leave office before time. 3. Leave record is properly maintained in HRMS and there is no unauthorized absence. 4. Sub-staff is attending the office in proper uniform. 5. Movement Register, Deviations Register, and Branch Document Register, are maintained properly. 6. Discipline is maintained to ensure prompt / good customer service. 3 3 3 1 3 3
29
(1)
(2) 1. Duty sheet (with complete detail of duties) is implemented through office order and the duties have been assigned covering all aspects of CBS environment like maker checker, separate IDs for DBA functions and financial transactions etc. Branch maintains proper record of duty sheets. 2. Duties of all staff members are being rotated at prescribed intervals and staff members are performing their assigned duties. FSI Mandatory availment of leave by staff is complied with. 3. The services of Customer Care Officer (CCO) is being utilised strictly as per duty sheet designed by H.O. 4. (a) Relations between Incumbent and second man are cordial. (b) Relations between managerial and workmen staff are cordial. 5. Periodic meetings of staff are held to discuss various issues and for finding solutions to different problems, staff members are involved for improving customer service and achievement of budgets of deposits / advances / profit / recovery / reduction of NPAs/ compromise etc
(3)
(4)
(5)
(6) (7) (8)
(9)
5. ROTATION OF DUTIES & PLACEMENT OF STAFF

424 FSI 5 FSI 1 2 2
TOTAL 12 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 6. HRMS
1. (a). HRMS activities are being handled by authorized staff member(s) / officer(s) only and the Pass Word is not compromised. (b) All day to day activities are being performed by the branch in terms of PAD / HRDD HO circulars. (c). Monthly certificate of Incumbent for having paid the salary as per HRMS is invariably held on record. 2. (a) Attendance is marked in HRMS within 30 minutes from schedule working hours by the incumbent. (b) Leave applications are duly sanctioned, entered in Leave Register through HRMS on day to day basis and filed properly. 3. (a) All employee related expenditures are entered in the HRMS, as prescribed. (b) Following HRMS reports are being generated to check discrepancies: (i) Monthly absence exception report (ii) Officiating exception report (iii) Expenditure reports of Newspaper reimbursement, Petrol Reimbursement to Scale-IV & above officials, Medical Aid, Conveyance / Petrol reimbursement, Residential phone reimbursement, Washing allowance reimbursement etc.
30
B. SECURITY
Item No.
Risk Parameter
Deviation
Risk Score (3x8)
(1)
(2) 1. Branch is located in safe area. 2. Collapsible gate and shutters are provided on all entrances and main entrance entry is restricted by channel gate or turnstile gate. 3. Windows/ventilators etc. have strong grills/iron bars. 4. Branch has RCC (Reinforcement Cement Concrete) strong room. or Branch has safe room and safe is embedded in RCC walls 5. (a) Branch has separate Locker room. Cash Safe or Locker Room are segregated by wall partition. (b) Whether Cash Safe is as per latest specification. 6. Branch has proper Cashier Cabin, covered with glass/ wire mesh and automatic night latch.
(3) 3 5 3 3 3 3
(4)
(5)
(6) (7) (8)
(9)
1. SECURITY INFRASTRUCTURE (LOCATION / PREMISES)
TOTAL 20 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 2. SECURITY MANPOWER & EQUIPMENTS
1. Gun Licensee is renewed on due date in the name of Incumbent In-charge and names of guard/s are entered as retainers. Next renewal is due on ________ 2. (a) Gun History sheet has been maintained to ascertain the firing/test firing record. Last test firing done on _________. (b) Servicing of guns got done within a year. Last service done on _______ (c) Cartridges have been replaced after expiry. Last date of replacement___________ 3. (a) The security alarm system is installed and fully functional. (b) If, anti burglary devices are installed with night mode facility, it is fully functional. OR If integrated alarm system is installed, it is fully functional. (c) Operational guidelines are being followed meticulously. 4. CCTV (wherever applicable) installed / functional and recording for 30 days is carried. 5. Time lock wherever installed is functional and handling of time lock keys is as per banks guidelines. 6. Auto dialer (wherever applicable) is installed and functional. 7. Armed-guards are posted in the branch, if sanctioned and performance of duties of armed guards is satisfactory 3
3 3 3 2 6
TOTAL 23 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 3. SECURITY PROCEDURE
1. Branch is opening and closing are as per banks guidelines 2. Branch is being visited by an officer on Sundays and holidays and record of such visits is being maintained. 3. Branch premises is not being used for any unauthorized activity. 4. (a) Handling / control of strong room keys is as per guidelines. (b) Procedure adopted for withdrawal of cash from strong room is as per guidelines. 5. There are no outstanding observations / irregularities as per Circles Security Officer (CSO) Report. 3 2 2 3 2
TOTAL 12 10% of Total Risk Scores (as per column 9) carried over to Summary Score Sheet 4 FIRE SAFETY
1 Electric load is as per sanction & condition of electrical wiring and accessories appropriate 2 Proper storage system exists for Record & Stationary is stored properly to avoid fire hazard 3. Fire fighting system i.e. proper fire extinguishers including Gas based are available at the branch and special attention is paid for their maintenance. Next refilling is due on ________ 4. Fire alarm system with adequate number of smoke detectors is functional, wherever installed 4 5 4 2
31
OVERALL RISK
(Aggregation of Business Risk and Control Risk) On the basis of summary score-sheets of Business Risk and Control Risk, Risk category of the branch under Business & Control Risk is as under:-
Business Risk
Maximum Marks Applicable Mark Marks Obtained Risk score (Marks Obtained as %age of Applicable Marks) Risk Category Direction of Risk* 1000
Control Risk
1000
BUSINESS RISK RISK SCORE UP TO 30% >30% TO 60% MORE THAN 60% RISK CATEGORY LOW RISK MEDIUM RISK HIGH RISK
CONTROL RISK RISK SCORE UP TO 30% >30% TO 50% MORE THAN 50% RISK CATEGORY LOW RISK MEDIUM RISK HIGH RISK
Risk Matrix: Overall Risk Category of the Branch through combination of Business Risk & Control
Risk is as under:
RISKBUSINESS
H M L
H M L L
VH H M M CONTROL RISK
EH VH H H
Overall Risk of Branch___________ Overall Direction of Risk*__________

*Direction of Risk (viz. Stable /Decreasing /Increasing to be determined by ZAO under Business Risk, ) Control Risk & Overall Risk through comparison of % Risk Score under previous & current Inspection. Previous Inspection as on ________
Applicable Marks Marks Obtained % Risk Score
Current Inspection as on________

Applicable Marks Marks Obtained % Risk Score
Direction of Risk
()
() ()
Business Risk Control Risk Overall Risk
32
1.
Identification of Potential Risks
2.
Comments on Concentration Risk in respect of: a) Segment / Industry (with largest Exposure)
b) Borrower (with largest Exposure)
c) Depositor (with highest Deposit)
3.
Suggestions for Mitigation of High & Very High Risks
4.
Suggestions for Management
AUDITOR
33
SWOT ANALYSIS 1. STRENGTH (POSITIVE ASPECTS OF THE BRANCH)
2. WEAKNESSES (NEGATIVE ASPECTS OF THE BRANCH)
3. OPPORTUNITIES (POTENTIALS AVAILABLE TO THE BRANCH)
4. THREATS (MARKET CHALLENGES FROM COMPETITORS)
AUDITOR
34
BUSINESS RISK CHECK-LIST

The check-list for different areas is given below. The lists are illustrative and not exhaustive. The lists have been provided to enable the inspecting official to assess risk category and allocating marks against these items. Wherever necessary, the assessments made as per the check-lists are to be substantiated with facts & figures.
2.10
Outsourcing / Other Service Providers

YES/NO YES/NO YES/NO YES/NO YES/NO YES/NO YES/NO YES/NO YES/No prescribed/allowed by the Bank/Competent Authority? Whether credibility and capability of outsourced agency has been ensured? Whether a proper watch and control is exercised on outsourced activity? Whether safeguards have been taken against misuse of Bank's data/information by the outsourced agency? Whether over-dependence on outsourced agency has been avoided and an alternative plan is in place? Whether the database is not exposed to AMC vendor during maintenance/repair of the system? Whether in case of outsourcing of Canteen services in Branch, police verification of the Contractor and his staff got done/independent verification of antecedents of Contractor done? Whether in case of outsourcing of despatch of outward Dak through Courier, access allowed only to authorised employees of the company with proper identification, who are not permitted to enter Dak? In case of outsourcing of Concurrent Audit function, the guidelines prescribed by I&AD, HO from time to time are adhered.
1. Whether only those services/activities have been outsourced which have been 2. 3. 4. 5. 6. 7. 8. 9.
3.14 Reduction in Controllable Expenses 1. Whether expenditures are incurred under various heads within vested powers?
2. Whether proper record of expenditure under various heads maintained? 3. Whether austerity measures put in place and conscious efforts made to control
avoidable expenditure? YES/NO YES/NO YES/NO YES/NO YES/NO YES/NO
4. Whether proper control is exercised for expenditure in respect of Stationery items

purchased locally as well as TA bill & local conveyance expenditure? 5. Whether it is ensured that only the required lights, fans etc. are kept on during non-public dealing hours? 6. Whether the prescribed expenditure statements submitted timely to Controlling Office?
35
CONTROL RISK CHECK-LIST I. CREDIT FUNCTIONS

The check-lists for different areas are given below. The lists are illustrative and not exhaustive. The lists have been provided to enable the inspecting official to assess risk category and allocating marks against these items. The irregularities observed as per the check-lists are to be covered under the annexures enclosed for that item.
5.1
1. 2. 3.
Terms and conditions of sanction

Prescribed rate of interest has been charged. Prescribed margin has been obtained before disbursal of the advance. Give specific details of terms & conditions of sanction not complied with.
5.9
1. 2. 3. 4. 5. 6.
End use verification
End-use has been physically verified. Proof of purchase of security held on record. Payment has been made directly to supplier of goods. Securities have been purchased. Securities were initially purchased but sold subsequently. Certificates are obtained from the borrowers, particularly in case of Corporate Loans, Working Capital Finance, Project Finance, Short Term Loans etc., certifying that the funds have been used for the purpose for which these were obtained and are not diverted to Capital Market/some other use.
5.10
1. 2. 3. 4. 5. 6. 7. 8.
Checking of stocks
Signboard of borrowing concern appear at office/shop/factory premises. Banks name plate is displayed appear at hypothecated stocks. Bin cards/stock register have been maintained by the borrowing concern. DP register at the branch has been maintained properly and bears the initials of officials (i) who has entered the stock statement and verified the correctness of drawing power and (ii) who has physically inspected verified the stocks. Please annex details of securities due for verification and securities verified during the review period. List of sundry debtor and creditors is being submitted and analysed alongwith the stock statement wherever applicable. Number and amount of securities/stock missing. Give details alongwith the position as per last inspection. Any other irregularity observed.
5.14 Limitation and BC letters

1. 2. 3. 4. 5. 6. 7. 8. Limitation Register has been maintained properly and updated. Position of limitation expiring within 12 months is monitored by the branch. BC letters have been adequately & properly stamped. Signatures/thumb impressions on the BC letters have been verified by the branch officials. Continuity of BC Letters has been ensured. Revival letters have been obtained in case of expired BCs. Acknowledgement of debt has been obtained from legal heir(s) in case of deceased borrowers. Waivement of legal action has been applied for/obtained wherever required.
36
5.15 Advances against Deposits/NSCs/KVPs/LIPs/Jewellery etc Advance against Deposit

1. 2. 3. 4. 5. 6. FDRs/RDs are duly discharged by the depositor(s). Depositor(s)s signatures have been verified. Banks lien has been marked in system/account/deposit receipt/passbook. Proceeds of matured FDRs/RDs have been credited in loan a/c. Interest on Special FDR is being credited to loan a/c. Proper safeguards and documents have been taken in case of loan to special category customers like minors, illiterate persons etc.
Advance against NSCs/KVPs/Govt Securities

1. 2. 3. 4. Genuineness of Govt securities has been verified. Lien has been noted with Post Office/Govt. Deptt. by sending our own staff or through registered post . Banks lien has been noted on securities/ securities transferred in banks favour. The proceeds of securities which have matured have been credited in the loan a/c.
Advance against Life Iinsurance Policies

1. 2. 3. 4. 5. 6. 7. Policies have been absolutely assigned in banks favour. Updated surrender value letters are held for each policy/ proper calculation sheets are held on record. Latest premium receipts are held on record. Loans have not been granted against Policy under sec 6 of Married Womens Property Act. Age has been admitted on the policies assigned in banks favour. Life Policy Register (PNB-307) has been maintained. Outstandings in loan a/c do not exceed surrender value of the policy.
Advances against Shares/Debentures/Units of Mutual Funds

1. 2. 3. 4. 5. 6. 7. Branch is authorized to allow such Advances. Advances have been allowed against approved shares only. Prior permission from CAD, HOis obtained for granting advance against shares (Primary as well Collateral security). Genuineness of shares have been verified. DP as per latest market value is updated. A/c is regular as per latest DP. Shares transferred in Banks favour, wherever applicable/lien has been marked with DP.
Advances against Gold / Silver Jewellery & Ornaments

1. 2. 3. Valuation of gold /silver ornaments is based on rates fixed by CO/HO from time to time. Repayment schedule has been fixed/adhered to as per terms of sanction. Outstandings do not exceed value of security.
5.16
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13.
Advances to Staff under Staff Welfare Schemes
Sanction has been done by competent authority. Documents are complete and are in order. Eligibility criteria has not been violated. Terms and conditions of sanction have been complied with. End use verified. Security has been created and has not been subsequently sold. Joint registration is available on record in case of vehicle loans. Insurance has been obtained and is alive. Limitation is available. Instalments by way of monthly deduction from salary are being deposited in the a/c. In case of Clean OD limits, the salary is credited in OD a/c. The a/cs are not irregular/overdrawn/ outstanding after the tenure of the advance. Correct rate of interest has been applied. Interest rate modified after retirement/ resignation as per applicable rules. 37
6.1 1. 2.
3. 4. 5. 6.
Procedural irregularities in LG / LC / SBLC / LOC

Application form for issuance of LG/LC/SBLC/LOC has been obtained. LG/LC/SBLC/LOC has been opened with proper sanction. Counter Indemnity has been obtained. Prescribed margin has been obtained. Limitation Clause has been inserted in the LGs. Bills have not been co-accepted from the customers not enjoying other credit facilities.
7.2
1. 2. 3. 4. 5. 6.
Procedural irregularities in Bills Purchased/Discounted

Bills are accompanied by MTRs of approved transport company. Usance period of the bill is within the sanctioned period. Bills of sister/allied concerns are not purchased. Returnings are not adjusted out of fresh discounting/purchase of bills. Usance bills are properly/adequately stamped as per prevalent law. Overdue bills under ABC Scheme have been reduced while calculating DP.
FOREIGN EXCHANGE BUSINESS CHECK-LIST

The check-list for different areas is given below. The list is illustrative and not exhaustive. The list has been provided to enable the inspecting official to assess risk category and allocating marks against these items. The irregularities observed as per the check-list are to be covered under the annexures enclosed for that item.
8.1
Export Credit
i) Whether the Branch is properly maintaining GR/PP/SOFTEX/SDF forms after completing requisite information on the reverse of the same at the time of realization of export bills, if not comment. With detail of missing forms. ii) Packing credit is being adjusted out of the respective export bills. iii) Packing credit allowed is not more than FOB value of the export bill. iv) FLC/SBLC/LOC is of the approved bank. v) The consignee is not the foreign buyer but the foreign bank. vi) Details of Overdue Export Bills on account of Bills purchased/negotiated may also be mentioned for monitoring purpose. vii) Whether advance remittances received by the branch towards exports are being monitored regularly. viii) Confirmation that export bills are not being accepted in respect of caution listed exporters, which are not backed by advance payment/irrevocable Letter of Credit or prior RBI permission. ix) Whether write off of unrealized export: bills are done as per the delegated powers only after submission of documentary evidence for surrender of incentives, if any; x) Confirmation that guarantees against exports is not being issued without RBIs prior permission. xi) Confirmation that export bills are not being accepted in respect of caution listed exporters, which are not backed by advance payment/irrevocable Letter of Credit or prior RBI permission. xii) Whether eligible amount is credited to EEFC account only after realization of export proceeds; xiii) Whether unpaid overdue export bills are delinked as per FEDAI guidelines. xiv) Whether delinking charges have been recovered from the customer. xv) All the credit limits i.e. pre-shipment & post-shipment are to be notified to ECGC within 30 days of sanction/enhancement, in case of any irregularity, comment. xvi) Whenever new limits are sanctioned or existing limits are enhanced/ reduced/cancel, it should be reported to ECGC on the prescribed format in duplicate and this duplicate copy, duly signed, is returned by ECGC to the bank and same is retained in the document file. xvii) Regular premium should be paid every month before 10th of every month, to ECGC, calculated on average daily product. xviii) Rate of premium should be, as per the rate circulated by IBD, every year effective from 1st July to 30th June. 38
xix) Premium on WTPCG is to be debited from exporters account whereas premium on WTPSG is to be borne by bank out of revenue head premium paid to ECGC". xx) In case of default, premium is to be paid up to the month in which the report of default is submitted to ECGC or in case of insolvency of exporter, up to the month in which the insolvency occurred. xxi) Bank can fix any limit without prior approval of ECGC if asset classification of account is 'standard'. However, any limit sanctioned beyond discretionary limit to any exporter, with asset classification "sub-standard" should be only with prior approval of ECGC. xxii) No advances to be granted to units whose names appear in "specific approval list" (SAL) or Caution List. Also, if any of director/partner/ guarantor figure in the list, then without prior approval of ECGC. Otherwise, such advance is not covered by ECGC. xxiii) Country wise classification by ECGC should be adhered and restricted cover countries exports should not be financed, without ECGC prior approval. xxiv) Any extension in due dates beyond 360 days in Pre-shipment & 180 days Post Shipment cases should not be permitted without ECGC prior approval. xxv) Report of default- Branch should report within one month of recalling the advance or within four months of due date/extended due date, whichever is earlier. xxvi) If nursing of account is approved by bank in some case then prior approval of ECGC is required, because normally no new advances can be given in any sticky account. Such advances are not covered if prior approval is not obtained. xxvii) All recoveries in any account, subsequent to settlement of claim by the corporation, net of recovery expenses, are to be shared between corporation and bank in the ratio in which the loss was admitted by the corporation. xxviii) Claims may be lodged with the corporation within 6 months from the date of report of default to ECGC. xxix) Whether foreign currency notes/travelers cheques towards payment of exports are accepted only from the overseas buyers during their visit to India; in case of any deficiency, comment.
8.2 i)
ii) iii) iv)
Import Credit
v)
Whether the branch is properly maintaining records of A-1, A-2 & A-3. Forms for release of foreign exchange for imports, sundry remittances and credits to Vostro Accounts as per RBI/Banks guidelines issued under FEMA, 1999, if not comment with detail of missing forms. Confirmation that remittances in respect of items included in Schedule I to Government of India notification D. GSR 381 (E) dated 03.05.2000 is not allowed. In case allowed submit details. Confirmation that A-2 form for remittance upto USD 5000 is not insisted upon by the branches from the applicants. Custom Bill of Entry has been received, checked and properly filed in all cases as per guidelines. Whether LCs/SBLCs/LOCs have been issued as per articles of UCPDC 500.
8.3 i) ii)
iii) iv) v) vi) vii) viii) ix)
Other FEX Operations

Whether the branch has undertaken foreign exchange transactions with due diligence by ensuring adherence to guidelines pertaining to EXIM Policy, FEMA directive, Anti Money Laundering & Know Your Customer norms, comments. Whether all crucial returns/statements such as X0S, BEF, STAT-,1 1BS, NRD-CSR, Gold Import, RReturn are correctly compiled and promptly submitted by branches to RBI/their Regional/Zonal Offices etc. Whether the branch while undertaking foreign exchange transaction has indulged in indiscrete use of financial powers at any level; Whether remittances for the purpose of overseas employment, immigration, education abroad, maintenance of close relatives and medical treatment abroad are allowed only on self declaration and other basic details of the transaction in terms of RBI's guidelines. Whether applications in respect of Forward Contract booked by the customers have been obtained and submitted to the concerned FEO/SPMO. Whether confirmations in respect of Forward Contracts booked by the customers have been obtained and submitted to the concerned FEO/SPMO. Whether charges in respect of booking/cancellation of forward contracts have been recovered from the customer. Whether balance of FCNR Deposit Accounts in Foreign Currency as well as Indian Rupees have been reconciled with the nodal office FEO. New Delhi. Whether the branch has kept on record on the specimen of draft and specimen signature of authorized 39
officials of the EH. x) The period of validity of the draft issued the EH is not in excess of three months xi) Verification that no payment other than those specifically permitted as per Foreign Exchange Circular referred to above have been made from Trade Transaction for the account xii) Verification that no payment other than those specifically permitted as per Foreign Exchange Circular referred to above have been made from Trade Transaction for the account xiii) The designated branch has introduced the prescribed register for recording the details of drafts/cheque paid and the date of claim raised with Account Maintaining Branch xiv) Verify randomly with reference to two drafts per week and indicate the average time gap observed over last six months between the date of payment of the draft if the designated branch level and the date of reimbursement by the Account Maintaining Branch xv) Charges Recoverable/Recovered, if any
II. NON CREDIT FUNCTIONS

The check-list for different areas is given below. The list is illustrative and not exhaustive. The list has been provided to enable the inspecting official to assess risk category and allocating marks against these items. The irregularities observed as per the check-list are to be covered under the annexures enclosed for that item.
2.5
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11.
Other Irregularities in Cash Management

Necessary steps are taken in case of detection of counterfeit/forged currency notes and STR is filed submitted, without fail. The entire cash is checked at least once a fortnight by Manager/Authorised officer as prescribed. Cash Book/Report is signed by Head Cashier/Officer and Manager/Authorised Officer on daily basis. A list of missing/lost tokens is displayed at paying cashiers counter. The Cash Reserve Book remains in strong room during the day and incumbent incharges safe overnight. Bait money has been kept in the cash-safe. All high denomination notes are checked daily under proper initials in daily Cash Balance Book. Cash receipts above Rs.10,000/- are signed both by receiving cashier & authorized officer. Petty cash vouchers are duly authorized and supported by bills and amount adjusted on monthly basis. Soiled notes are exchanged as per RBI guidelines. Cash Scroll system is being followed in rural and semi urban branches.
11.3 Other Irregularities in Conduct & Maintenance of Accounts & Records

1. 2. 3. 4. 5. 6. 7. 8. The signatures on requisition slips/request letter are being verified before issuance of chequebooks. Separate series of cheque-books with prefix NRE are issued to non-residents (external) accountholder. The standing instructions are examined during the month by the Manager/authorized officer to ensure regular and timely compliance. Token system is followed meticulously. The interest is credited regularly on due dates in Special FD A/cs Interest on other term deposits is credited to concerned accounts as per guidelines. Record of majority attainment is monitored & operation is not allowed to the guardians in the majority attained accounts All guidelines observed in holding, preparing and dispatch of pass books/statement of a/cs.
*********
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BRANCH PROFILE

As on previous IR Dt. No of A/cs Amount .

As on present IR Dt. No of A/cs Amount

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

Business growth budget achievement

As on H.Y ended Mar./Sept.___

As on H.Y Mar./Sept.__ Bud.

Qtr______ No. Amt.

Qtr______ No. Amt.

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

14-27 28-45 0-13 14-27 28-45 0-7 8 - 15 16 - 25 0-9 10-18 19-30

TOTAL CREDIT RISK SCORE ( I.E. SUM OF RS OF 1.1 TO 1.9)

0-6 7-12 13-20 0-9 10-18 19-30 0-6 7-12 13-20

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

No. 2.5 Note: 2.6

TOTAL OPERATIONAL RISK SCORE (I.E. SUM OF RS 2.1 TO 2.10)

No. 3.6 3.7

TOTAL EARNING RISK SCORE (I.E. SUM OF RS OF 3.1 TO 3.12)

Summary Score Sheet of Business Risk

Direction of risk (by ZAO)

Credit Risk Operational Risk Earning Risk Total

520 280 200 1000

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

Direction of risk (by ZAO)

Sub-Total Non-Credit Functions

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

Present Risk Assessment Date________ Marks allocated by Auditor ZAO

Previous Risk Assessment by ZAO Date________ Risk Category Marks

Direction of risk (by ZAO)

Sub-Total Compliance Functions

Sub-Total V. Branch Management A. General

Sub-Total GRAND TOTAL (I TO V )

%age Risk Score Control Risk Category

>30% - 50% Medium

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

CONTROL RISK FORMAT

Risk Yes/ Annx. Weight No No. & Nature

Risk Score (3x8)

(6) (7) (8)

1. EXERCISE OF LOANING POWERS

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

(6) (7) (8)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

(6) (7) (8)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

(6) (7) (8)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

(6) (7) (8)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

(6) (7) (8)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

II. NON-CREDIT FUNCTIONS

Risk Yes/ Annx. Weight No No. & Nature

Risk Score (3x8)

(3) 5 FSI 2 5 FSI

(6) (7) (8)

(6) (7) (8)

RBIA FORMAT- Non-Specialized Branches (version 2.03-Revised)

Overall Risk of Branch_ Overall Direction of Risk*