Beruflich Dokumente
Kultur Dokumente
27
To be a first line is
always a pride
But handle it
with this guide
Anything if done for the first time would arouse anxiety in the mind of the doer and in that
course some omission may occur. Proper prediction and planning about the job to be done
is to be done with the knowledge of experience from the experienced.
When the anxiety level is minimized, the degree of perfection in doing the job may be maximized. In
banking career, taking charge is a vital exercise to be commenced earnestly. Be it a section,
department or a branch, the following tips would be of help to the charge taking officer for his/her
smooth sailing as also effective functioning of the section / department or branch.
The tips are only illustrative for take-over of a branch and not exhaustive. An officer need
not be complacent by the mere awareness of the following tips. Prudent approach on the part
of the charge taking official is the essential requirement in this exercise.
1. Managing a branch is a typical example of TEAM WORK. It has to be carried out with the
cooperation and involvement of all the staff members of the branch. Proper
introduction to all the staff members and making known the feeling of importance
of each staff member for the routine functioning and progress of the business of
the branch is the starting point. Emphathising with their work will enhance their
involvement in house keeping. This is so even for a section officer or a department
officer.
2. The incoming Manager / officer may get introduced to all the important customers of the
branch comprising deposit, advances, segments and ancilliary services. The Manager
/ officer may also explicitly show his/her concern and commitment for effective customer
service. An overall impression may be created in the minds of the customers that
A Guide to Your Duties and Rights - 2011
27
28
29
GUN, FIRE ARMS etc: Besides the physical examination of these items, the gun licence
must be verified for the validity. The licence will stand in the name of the branch manager and
the armed guard will hold the retainer licence. Change in the name of the licencee
consequent to change of the branch manager should be made immediately. Fire
extinguishing equipment held by the branch must be verified for its working conditions.
BANKS LOCK, ITS DUPLICATE KEYS, SAFE DEPOSIT LOCKER KEYS: Ensure that lockers
if any and its keys (original and duplicate) are available physically and peruse the key movement
register to ensure holding of original keys by authorised officials. In respect of safe deposit
locker, key acknowledgement from hirers should be checked to ensure that there are no
missing keys or unauthorised hiring without proper records.
PREMISES, FURNITURES & FIXTURES: The safety and security of the branch premises is to
be examined and if improvement or modification is required it has to be recommended to
CO/RO, In respect of rented premises, the original lease deed must be verified for its validity.
The premises plan if not available, must be drawn. Any inherent risk threatening safety
of cash, facilitating runaway theft, if found, change in layout of branch may be thought of.
Wooden furniture, metal furniture and electrical fittings should be physically verified.
Library books register must be verified and tallied with the issue register.
STATUTORY LICENCE , PERMISSION etc.:
A. The branch licence issued by the RBI should be verified and should be properly displayed
prominently in the banking hall.
B. Shops and Establishment Act licence should be perused and renewal date, to be
diarised.
C. Notices as required by Statute and as per guideliness of CO/RO should be exhibited
prominently (like missing token display, tender of cash to the cashier against proper
acknowledgement and counter signature, acceptance of soiled notes etc.)
D. Licences, RC books, insurance documents etc. of Banks car and other vehicles,if any,
should be verified.
E. Service contracts, if any, for the Computer System, typewriter, accounting machines,
air conditioner etc should be verified and renewal date to be diarised.
F. RBI specimen signature book should be called for and verified
G. It should be ensured that the insurance on bank property, insurance on cash at vault,
counter, cash in transit, etc, have been done in accordance with the procedure prescribed
and that the amount of cover is adequate and properly noted for confining actual cash
holding within such limits.
A Guide to Your Duties and Rights - 2011
29
30
31
o. Appointment of a temporary messenger panel and to pay certain allowances like
transport, conveyance, clearing allowance etc.
MISCELLANEOUS REGISTER
It is also required to ensure availability of certain registers/records/lists like
a. Seniority of the staff
b. Telegram register
c. Loan Application received and disposed Register.
d. Trade, industries and commerce register
e. Managers workbook brought out by the bank.
It should be verified that the data relating to the branch have been properly filled in. The
incoming manager should take possession of this book, study it and keep it updated on
an on going basis.
Important:
1) Those officers who take over sections / departments / branches which are computerised
they should sensitise themselves to the extant instructions given in Book of
instructions Vol.VI and T.B.A manual. Change all related passwords and cancel / block
related menus to avoid access by the previous incumbent into the system.
2) In case of taking over by Managers, the Relieving officers Certificate should be
submitted in its entirety before the incoming Manager relieves the outgoing
Manager. If incoming Manager is put in a situation that he / she had to take over
without the submission of ROC, he/she should take prior permission from the RO
/ CO. He / She should submit the ROC generally within one month.
3) The official taking over the Department/Branch may please verify all loans against deposits
with respective deposit accounts to ensure existence of deposits in the books of the
bank. (One should not go merely on the deposit receipts available with the
documents.)
Such caution should be exercised while verifying the loan against deposits in the
extension counters also.
A Guide to Your Duties and Rights - 2011
31
32