Andhra Bank Managers List in Hyderabad - PDF

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					                           THE ANDHRA PRADESH STATE
                               COOPERATIVE BANK LTD.
                                                 Troop Bazar :: HYDERABAD 500 001
                                                    EPABX No (4 lines) 23443818-21, (9 lines) 23443890-98
                                                                        Banking Department Fax 23443825
                                            url: http://apcob.ap.nic.in email: apcobbkg@rediffmail.com

RMD/F.39/                                                                Date: 17.06.2009

                                    CIRCULAR
            Sub RMD – Revision of interest rates on deposits
                w.e.f. 18.06.2009 – Communication – Reg.
            Ref Proceedings of ALCO meeting dated 15.06.2009.
                                       --oOo—
       The ALCO in its meeting held on 15.06.2009 has revised the interest
rates on terms deposits as below:
                                                                       (% per annum)
     Sl.No.         Period of Deposit               Existing                 Revised
       1       7 days to    14 days                  2.00*                    2.00*
       2       15 days to    30 days                  3.25                     3.25
       3       31 days to    45 days                  3.25                     3.25
       4       46 days to    90 days                  4.25                     4.25
       5       91 days to 179 days                    5.50                     5.50
       6       180 days to 270 days                   6.50                     6.50
       7       271 days to 364 days                   6.50                     6.50
       8       1 yr less than 2 yrs                   7.25                     7.00
       9       2 yrs less than 3 yrs                  7.50                     7.25
       10      3 yrs less than 5 yrs                  7.50                     7.25
       11      5 yrs & above                          8.00                     7.75
     * Rs. 1.00 lakh and above
       The revised rates of interest will come into effect from 18.06.2009.
       The Senior citizens shall be allowed 0.75% p.a. additional interest on
all slabs. The rate of interest on APCOB Tax saver deposit scheme will be
7.75% per annum.
                                                                Sd/-
                                                                         (HEERA LAL)
                                                                      Dy.General Manager
                                                                          (Bkg/RMD)
To
All the Branch Managers / AGM, HO, Branch
Copy for information to
1. Peshies of President/MD
2. Peshies of Chief General Managers.
3. Peshies of all General Managers.
4. Director, APCOB, CTI, Rajendranagar
5. All DGMs/AGMs.
6. DGM (IT) - with a request to arrange to make suitable
                 modifications in the system.
7. The General Managers of All DCC Banks.
8. The AGM (CMI&AD), Audit Wing.

                                                                                                   1
          RATES OF INTEREST ON RETAIL BANKING LOANS
                        (w.e.f. 05.02.2009)

 Sl.No.                Particulars             % per annum
          Gold Loans - Normal/SOD                  12.50
    1.               - Commercial                  14.00
                     - Agricultural                10.75
    2.    Personal Loans                           15.75
          Depositor Loans & SOD against
    3.                                     2.00 above deposit rate
          Term Deposit
    4.    SOD against NSCs / KVPs                  13.75*
    5.    Education Loans                          12.75
    6.    Clean Over Draft                         13.75
    7.    Consumer Durable Loans                   13.75
    8.    Auto Loans                               13.75
    9.    Car Loans                                13.75
    10.   SOD against Urban Property               14.75
    11.   SOD against Equity Shares                13.75
    12.   Cash Credit to Traders                   13.75
    13.   REML                                     13.00


* Floating rate

                         Housing Loans:

Amount upto Rs.15.00 lakhs
Sl.No.               Period of loan              (% p.a.) *
1         Upto 5 years                             12.50
2         Above 5 years & upto 10 years             13.00
3         Above 10 years & upto 15 years            13.50

Amount above Rs.15.00 lakhs

Sl.No.               Period of loan              (% p.a.) *
1         Upto 5 years                             12.75
2         Above 5 years & upto 10 years             13.25
3         Above 10 years & upto 15 years            13.75
* Floating




                                                                     2
                      THE ANDHRA PRADESH STATE
                              COOPERATIVE BANK LTD.
                            Troop Bazar :: HYDERABAD 500 001
                                         EPABX No (4 lines) 23443818-21, (9 lines) 23443890-98
                                      url: http://apcob.ap.nic.in email: apcobla@rediffmail.com

Bkg/BRCC/F.195/207                                                    Dt. 29-01-2005


                              CIRCULAR

     Sub: Bank’s Policy   of        “KNOW         YOUR         CUSTOMER’              –
          Communication of.
                                 ****
      The PIC of the Bank has approved the policy of “Know Your
Customer” and all the Br. Managers and AGM (Bkg-Opr) are advised to
cause implementation of the approved policy.

BANKS POLICY OF KNOW YOUR CUSTOMER

      For opening all types of new deposit accounts, obtaining of
introductory reference form the existing customers / persons known to the
Bank shall be obtained.      For establishing the identity of prospective
customer, the copies of Driving Licence, Passport, photo identity cards
issued by the Election Commission / Employer can be accepted.

       All Branches and HO branch shall closely watch the deposit, cash
credit and overdraft accounts where cash withdrawals and deposits of Rs.
1,00,000/- and above are made and in case of any suspicious nature, they
shall make formal enquiries about the genuineness of such transactions.
The BMs and HO branch shall maintain a separate record of all cash
transaction of Rs. 1,00,000/- and above in a separate register and inform
same to HO on fortnightly basis. In case of any suspicious nature of
transactions, they shall be informed to HO immediately after notice.

      Request for issue of DDs, Banker Cheques etc., for Rs. 50,000/- and
above shall be entertained only against debit to customer’s account but not
against remittance of cash.

      Before opening of accounts/collecting cheques in favour of Trusts,
Associations, Clubs, Charitable Institutions which receive foreign
contribution/aid, registration certificate issued by Govt. of India which
states that such institution is registered in India shall be obtained on
alternatively a certificate to that effect shall be obtained.

       Before opening of current accounts in favour of Institutions /
Individuals, a declaration stating that he is not enjoying any credit facility
with any other commercial bank, shall be obtained or may obtain a
declaration containing the particulars of credit facilities enjoyed by
him/them with any other commercial Bank. In case of enjoyment of any
credit facilities, the branch should duly inform the concerned lending bank
and shall insist for a formal NOC from them and wait for 15 days for
                                                                             3
positive response and if no reply is received in that time, the Branch can
open the account. It shall be ascertained whether prospective customer is
a member of any cooperative society/bank, if so full details may be
obtained indicating name of PACS/Bank, No. of shares held, details of
credit facilities, quantum, due date etc.

      The branches / HO branch shall report the involvement in any
transactions by terrorist individuals / organizations to the HO for report to
RBI from time to time.

      The Internal Audit and CMI&AD Dept., shall monitor the adherence
of Know Your Customer guidelines, in their inspections and audit. The
transactions involving cash deposit / withdrawal of Rs. 1,00,000/- and
above in any type of accounts shall also be monitored by the CMI&AD
Department of the Bank.

      The APCOB-CTI shall conduct periodical training programmes
covering Know Your Customer related guidelines to the staff of APCOB &
DCCBs.

      Branches and HO branch shall exercise proper care and undertake
formal enquiries and compliance to “KYC Norms” before operationalising
the non-operative accounts.

       All the Br. Managers and Managers working HO Banking Dept., are
advised to adhere to the above policy guidelines for all new deposit
accounts oopened hereafter and also cause application of the same to all
the existing accounts, where the credit and debit summations are more
than Rs. 10.00 lakhs and above as on 31.03.2003. all the deficiencies like
lack of introduction, address proofs, change of address proofs,
establishment of identification etc., in existing accounts shall be
regularized by 28.02.05 and report compliance to DGM (Bkg) by giving
details of deficiencies rectified.


                                                              Sd/--
                                                   DY. GEN. MANAGER [Bkg]

To
1. The Asst. General Manager (Bkg-Opr)
2. All the Br. Managers of APCOB
3. Managers working in Bkg. Dept.

Copy to:
1.   The   Peshies of MD, GMs, DGMs
2.   The   DGM (CMI&AD) (Insp)
3.   The   DGM (CMI&AD) (Internal Audit)
4.   The   Director, CTI, Rajendranagar




                                                                           4
                     The A.P State Co-op Bank Ltd.,
                                 _____________ Branch
                   (for individuals, joint account holders and minors)
(updating customer information for the existing deposit and borrowal accounts as per KYC
                                           Norms)

                                                                      Date: ___________

(In case of joint accounts, a separate sheet in this format should be submitted for each of
the joint account holders)

Particulars of the account holder :- Customer ID :

(*Sole/First, “second, *Third holder-strike out whichever
is not applicable)                                                             Recent
                                                                              Passport
Name in full
                                                                                size
S/O, W/O, D/O                                                                  Photo-
                                                                               graph
Educational                                                                    of the
Qualifications                                                                account
                                                                               holder
Occupation

Date of birth & Age            DOB:                     Age :           Years

If minor, particulars of       Name :
the guardian                   Relationship with minor : Natural            Court
                               appointed
Address (Res) Door No.
Area/Locality/Street
Name / No. Town/City
PIN

Address (Office) Door
No. Area/Locality/Street
Name / No. Town/City
PIN

Phone No.                      Residence :                              Office:
Mobile Number

Email ID

Annual Income                  Rs.

PAN / GIR No.

(If not available, give        (If not an income tax assessee, Form No. 60/61
reasons)                       Under Rule 114B of IT Rules should be submitted
                               in duplicate)

Note : Copy of any of the following documents together with the original
should be submitted as Proof of residence of the account holder. Original is
required for verification. In case of minor account holder, the proof of
residence should be that of the guardian.


                                                                                         5
     Passport         Voter’s Identity Card         Telephone / Electricity Bill

     Income Tax Assessment order,             Municipal Tax Assessment order,

      Identity card issued by the employer containing latest address      Driving
license

     Ration card        Any other document to the satisfaction of the bank

       (Tick √ in the appropriate box)

Two recent passport size photographs of the account holder should be
submitted.

Particulars of the existing accounts :

 Type of Deposit                            Type of Borrowal
                         Account No.                                   Account No.
    Account                                     Account




Note : List of deposit and borrowal accounts should be enclosed if the above space
is not sufficient.

Declaration and undertaking :
   1. Applicable only in case of Current Accounts:
      I / We hereby declare that I am / We are not enjoying any credit facility
      with other Bank / with any branch of your bank and I / We undertake to
      inform you, in writing, as soon as any credit facility is availed of by me /
      us from any other bank or from any other branch of your Bank.
                                            [OR]
       I / We hereby declare that I am / We are enjoying credit facilities with
       other Bank (s) / other branch (es) of your bank as per details given in
       the enclosed sheet.
   2. I / We state that the information given herein above is true and correct
      in all respects.



                      Signature(s) of the sole / joint account holder / guardian


                                 For Office Use Only

   Verified the copies of document (s) submitted with the originals and
   satisfied with the identity.


   Date : ______________                                    Manager / Br. Manager




                                                                                     6
                                 THE ANDHRA PRADESH STATE
                                    CO-OPERATIVE BANK LTD.
                                    4-1-441: Troop Bazar :: HYDERABAD 500 001
                                      Ph.: 23443818 to 23443821 // 23443890 to 23443898
                                                              e.mail: apscob@hd1.vsnl.net.in



Bkg/BRCC/F.195/1244                                                           Dt: 18.03.06




                              IMPORTANT CIRCULAR
        Sub     Introduction of “The Prevention of Money Laundering Act. 2002” –
                Reporting requirements under the Act and prescription of Returns and
                compliance to other provisions of the Act – Instructions issued – Reg.
        Ref     RBI Circular No. RPCD Co. RF.AML.BC.65/07.02.12/2005-06, dt. 3.3.06.

                                           --oOo—

        The Prevention of “Money Laundering Amendment Act. 2005” came into force
w.e.f 01.07.05 and the said Act has cast various specific obligations of Banking
Companies for maintenance, preservation, verification and reporting of specified record of
all transactions, the value and nature of which will be prescribed by Govt. of India.
Secondly, each Banking company has to designate one of its officers as Principal Officer
who will be responsible for maintaining and reporting of specified transactions. The act
defines the offence of Money Laundering as under:

        “Whosoever directly or indirectly attempt to indulge or knowingly assists of
        knowingly is a party or is actually involved in any process or activity connected
        with the proceeds of crime and projecting it as untainted property shall be guilty
        of offence of Money-Laundering”.         Money-Laundering is a criminal offence
        punishable with imprisonment for 3 to 7 years and also liable for fine which may
        extend upto Rs. 5,00,000/-.


        As per Rule No. 3 of the Act, every Banking Company shall maintain a record of:

   A)         All cash transactions of the value of more than rupees ten lakhs or its
              equivalent in foreign currency.

   B)         All series of cash transactions integrally connected to each other which have
              been valued below rupees ten lakhs or its equivalent in foreign currency where
              such series of transactions have taken place within a month and aggregate
              value of such transactions exceeds rupees ten lakhs.

   C)         All cash transactions where forged or counterfeit currency notes or bank notes
              have been used as genuine and where any forgery of a valuable security has
              taken place.




                                                                                               7
D)     All suspicious transactions whether or not made in cash and by way of:

i)     deposits and credits, withdrawals into or from any accounts in whatsoever
       name they are referred to in any currency maintained by way of :

       a)   Cheques including third party cheques, pay orders, demand drafts,
            cashiers cheques or any other instrument of payment of money including
            electronic receipts or credits and electronic payments or debits, or

       b)   Travelers cheques, or
       c)   Transfer from one account within the same banking company, financial
            institution and intermediary, as the case may be, including from or to
            Nostro and Vostro accounts, or

       d)   Any other mode in whatsoever name it is referred to;

ii)    Credits or debits into or from any non-monetary accounts such as D-mat
       account, security account in any currency maintained by the banking company,
       financial institution and intermediary, as the case may be;

iii)   Money transfer or remittances in favour of own clients or non-clients from
       India or abroad and to third party beneficiaries in India or abroad including
       transactions on its own account in any currency by any of the following:-

       a)   payment orders, or
       b)   cashiers cheques, or
       c)   demand drafts, or
       d)   telegraphic or wire transfers or electronic remittances or transfers, or
       e)   internet transfers, or
       f)   automated clearing house remittances, or
       g)   lock box driven transfers or remittances, or
       h)   remittances for credit or loading to electronic cards, or
       i)   Any other mode of money transfer by whatsoever name it is called.

iv)    Loans and advances including credit or loan substitutes, investments and
       contingent liability by way of :

       a)   subscription to debt instruments such as commercial paper, certificate of
            deposits, preferential shares, debentures, securitized participation, inter
            bank participation or any other investments in securities or the like in
            whatever form and name it is referred to, or

       b)   purchase and negotiation of bills, cheques and other instruments, or

       c)   foreign exchange contracts, currency, interest rate and commodity and
            any other derivative instrument in whatsoever name it is called, of



                                                                                       8
       d)   letters of credit, stand by letters of credit, guarantees, comfort letters,
            solvency certificates and any other instrument for settlement and / or
            credit support.

v)     collection services in any currency by way of collection of bills, cheques,
       instruments or any other mode of collection in whatsoever name it is referred
       to;
    The above record shall be maintained in hard and soft copy and preserved for a
period of ten years from the date of cessation of the transaction between the client of
Banking Company. These record of transactions shall be reported by all the Br.
Managers & A.G.M (Bkg) to the designated officer of the Bank on monthly basis, latest
by 3rd of each month to enable the designated officer to send consolidated return of
report to Govt. of India before 6th of each month.

    Further, as per Rule No. 9 of the said Act, every Banking Organization has a
responsibility to verify and maintain the records of the identity of its clients.

    Every banking company, financial institution and intermediary as the case may be,
shall at the time of opening an account or executing any transaction with it verify and
maintain the record of identity and current address or addresses including permanent
address or addresses of the client, the nature of business of the client and his
financial status;

    PROVIDED that where it is not possible to verify the identity of the client at the
time of opening an account or executing any transaction, the banking company,
financial institution and intermediary, as the case may be, shall verify the identity of
the client within a reasonable time after the account has been opened or the
transaction has been executed.

       1. Where the client is an individual, he shall for the purpose of sub-rule (1)
          submit to the banking company or the financial institution or the
          intermediary, as the case may be, one certified copy of an officially valid
          document containing details of his permanent address or addresses,
          current address or addresses and one copy of his recent photograph and
          such other documents including in respect of the nature of business and
          financial status of the client as may be required by the Banking company
          or the financial institution or the intermediary, as the case may be.

       2. Where the client is a company, he shall for the purpose of sub-rule (1)
          submit to the banking company or the financial institution or the
          intermediary, as the case may be, three certified copies of the following
          documents :
                i)      Certificate of incorporation;
                ii)     Memorandum of Articles of Association;
                iii)    A resolution from the Board of Directors and power of
                        attorney granted to its Managers, officers or employees to
                        transact on its behalf; and
                iv)     An officially valid document in respect of manager, officers or
                        employees holding an attorney to transact on its behalf.

       3. Where the client is a partnership firm, it shall for the purpose of sub-rule
          (1) submit to the banking company or the financial institution or the
          intermediary, as the case may be, three certified copies of the following
          documents :



                                                                                      9
         i)      Registration Certificate;
         ii)     Partnership deed; and
         iii)    An officially valid document in respect of the person holding
                 an attorney to transact on its behalf.
4. Where the client is a trust, it shall for the purpose of sub-rule (1) submit to
   the banking company or the financial institution or the intermediary, three
   certified copies of the following documents :
         i)      Registration Certificate;
         ii)     Trust deed; and
         iii)    An officially valid document in respect of the person holding
                 an attorney to transact on its behalf.
5. Where the client is an unincorporated association or a body of individuals,
   it shall submit to the banking company or the financial institution or the
   intermediary, three copies of the following documents :
         i)      resolution of the managing body of such association or body
                 of individuals;

         ii)     power of attorney granted to him to transact on its behalf;

         iii)    an officially valid document in respect of the person holding
                 an attorney to transact on its behalf, and

         iv)     such information as may be required by the banking company
                 or the financial institution or the intermediary to collectively
                 establish the legal existence of such an association or body of
                 individuals.

6. Every banking company, the financial institution or the intermediary, as
   the case may be, shall formulate and implement a client identification
   programme which shall incorporate the requirements of the foregoing sub-
   rules of this rule and such other additional requirements that it considers
   appropriate to enable it to determine the true identity of its clients.

   All the Br. Managers and A.G.M (Bkg) are advised to undertake a Customer
   Identification Programme and rectify deficiencies if any by obtaining
   present addresses, introducer as identity and other relevant information
   about all the customers of the branch including the information of
   borrowers / loanees.

   Further, as per Rule 10 of the Act:

   1)    Every banking company or the financial institution or the
         intermediary, as the case may be, shall maintain the records of the
         identity of its clients.

   2)    The records of the identity of clients shall be maintained in hard and
         soft copies in a manner as may be specified by the RBI from time to
         time.
   3)    The records of the identity of clients shall be maintained for a period
         of ten years from the date of cessation of the transactions between


                                                                               10
                     the client and the banking company or financial institution or
                     intermediary, as the case may be.

        This is to inform that Sri T. Suresh, DGM (Bkg) has been designated as Principal
Officer under this Act and all the Br. Managers and AGM (HO, Branch) are advised to
maintain and submit the above records and submit the following returns from 01.07.05
onwards to the undersigned and continue to send the same on specified due dates as
mentioned hereunder :

Sl       Statement      Content of Statement            Period of Due date
         No.                                            return
1        CTR            Cash transactions mentioned     Monthly   3rd of next month
                        in rule.3 (ABC)
2        STR            Suspicious transactions         No period   Immediately   upon
                        mentioned under in Rule 3 (D)               the occurance

       Any laxity in maintaining the record and sending the above statutory returns will
be viewed seriously and the concerned will be made responsible for consequences.

                                                                     Sd/--
                                                           Dy. General Manager (Bkg)
To
     -   AGM (Bkg) and all Br. Managers
     -   All Managers working in HO and branches

Copy for information to :

1. All AGMs       With a request to examine the implication of the prevention of Money
                  Laundering Act. 2002 for their information and initiate action
2. All DGMs
3. Peshies of all GMs




                                                                                         11
                          Annex E of the IBAs Guidance Note for Banks, 2005
                              An Indicative List of Suspicious Activities


          Transactions involving Large Amounts of Cash


          i)        Exchanging an unusually large amount of small denomination notes for
                    those of higher denomination.

          ii)       Purchase or selling of foreign currencies in substantial amounts by cash
                    settlements despite the customer having an account with the Bank.

          iii)      Frequent withdrawal of large amounts by means of cheques, including
                    traveler’s cheques.

          iv)       Frequent withdrawal of large cash amounts that do not appear to be
                    justified by the customer’s business activity.

          v)        Large cash withdrawals from a previously dormant / inactive account, or
                    from an account which has just received an unexpected large credit from
                    abroad;

          vi)       Company transactions, both deposits and withdrawals that are
                    denominated by unusually large amounts of cash, rather than by way of
                    debits and crdits normally associated with the normal commercial
                    operations of the company, e.f., cheques, letters of credit bills of exchange
                    etc.

          vii)      Depositing cash by means of numerous credit slips by a customer such
                    that the amount of each deposit is not substantial, but the total of which is
                    substantial.


Transactions that do not make Economic Sense
   i)            A customer having a large number of accounts with the same bank, with
                 frequent transfers between different accounts;

   ii)           Transactions in which assets are withdrawn immediately after being deposited,
                 unless the customer’s business activities furnish a plausible reason for
                 immediate withdrawal.


Activities not consistent with the Customer’s Business

   i)            Corporate accounts where deposits or withdrawals are primarily in cash rather
                 than cheques.

   ii)           Corporate accounts where deposits & withdrawals by cheque / telegraphic
                 transfers / foreign inward remittances / any other are received from / made to
                 sources apparently unconnected with the corporate business activity /
                 dealings.

   iii)          Unusual applications for DD / TT ./ PO against cash.

   iv)           Accounts with large volume of credits through DD / TT ./ PO whereas the
                 nature of business does not justify such credits.

   v)            Retail deposit of many cheques but rare withdrawals for daily operations.

                                                                                              12
Attempts to avoid Reporting / Record-keeping Requirements

   i)     A customer who is reluctant to provide information needed for a mandatory
          report, to have the report filed or to proceed with a transaction after being
          informed that the report must be filed.

   ii)    Any individual or group that coerces / induces or attempts to coerce / induce a
          bank employee not to file any reports or any other forms.

   iii)   An account where there are several cash deposits / withdrawals below a
          specified threshold level to avoid filing of reports that may be necessary in
          case of transactions above the threshold level, as the customer intentionally
          splits the transaction into smaller amounts for the purpose of avoiding the
          threshold limit.


Unusual Activities :

   i)     An account of a customer who does not reside / have office near the branch
          even though there are bank branches near his residence / office.
   ii)    A customer who often visits the safe deposit area immediately before making
          cash deposits, especially deposits just under the threshold level.
   iii)   Funds coming from the list of countries / centers which are known for money
          laundering.

Customer who provides insufficient or Suspicious Information :

   i)     A customer / company who is reluctant to provide complete information
          regarding the purpose of the business, prior banking relationships, officers or
          directors, or its locations. .
   ii)    A customer / company who is reluctant to reveal details about its activities or to
          provide financial statements.
   iii)   A customer who has no record of past or present employment but makes
          frequent large transactions.

Certain Suspicious Funds Transfer Activities


   i)     Sending or receiving frequent or large volumes of remittances to / from
          countries outside India.

   ii)    Receiving large TT / DD remittances from various centers and remitting the
          consolidated amount to a different account / center on the same day leaving
          minimum balance in the account.

   iii)   Maintaining multiple accounts, transferring money among the accounts and
          using one account as a master account for wire / funds transfer.


Certain Bank Employees arousing Suspicion

   ii)    An employee whose lavish lifestyle cannot be supported by his or her salary.

                                                                                        13
   iii)       Negligence of employees / willful blindness is reported repeatedly.




Some examples of suspicious activities / transactions to be monitored by the
operating staff :

             Large Cash Transactions.
             Multiple accounts under the same name.
             Frequent converting large amounts of currency from small to large
              denomination notes.
             Placing funds in term deposits and using them as security for more loans.
             Large deposits immediately followed by wire transfers.
             Sudden surge in activity level.
             Same funds being moved repeatedly amount several accounts.
             Multiple deposits of money orders, Banker’s cheques, drafts of third parties.
             Transactions inconsistent with the purpose of the account.
             Maintaining a low or overdrawn balance with high activity.




                                                                                              14
     CHECK LIST FOR PREVENTING MONEY-LAUNDERING ACTIVITIES


   A customer maintains multiple accounts, transfer money among the accounts and
    uses one account as a master account from which wire / funds transfer originates
    or into which wire / funds transfer are received (a customer deposits funds in
    several accounts, usually in amounts below a specified threshold and the funds
    are then consolidated into one master account and wired outside the country).

   A customer regularly depositing or withdrawing large amounts by a wire transfer
    to, from, or through countries that are known sources of narcotics or where Bank
    secrecy laws facilitate laundering money.

   A customer sends and receives wire transfers (from financial haven countries)
    particularly if there is no apparent business reason for such transfers and is not
    consistent with the customer’s business or history.

   A customer receiving many small incoming wire transfer of funds or deposits of
    cheques and money orders, then orders large outgoing wire transfers to another
    city or country.

   A customer experiences increased wire activity when previously there has been no
    regular wire activity.

   Loan proceeds unexpectedly are wired or mailed to an offshore Bank or third
    party.

   A business customer uses or evidences or sudden increase in wired transfer to
    send and receive large amounts of money, internationally and / or domestically
    and such transfers are not consistent with the customer’s history.

   Deposits of currency or monetary instruments into the account of a domestic trade
    or business, which in turn are quickly wire transferred abroad or moved among
    other accounts for no particular business purpose.

   Sending or receiving frequent or large volumes of wire transfers to and from
    offshore institutions.

   Instructing the Bank to transfer funds abroad and to expect an equal incoming wire
    transfer from other sources.

   Wiring cash or proceeds of a cash deposit to another country without charging the
    form of the currency.

   Receiving wire transfers and immediately purchasing monetary instruments
    prepared for payment to a third party.

   Periodic wire transfers from a person’s account/s to Bank haven countries.

   A customer pays for a large (international or domestic) wire transfers using
    multiple monetary instruments drawn on several financing institutions.

   A customer or a non-customer receives incoming or makes outgoing wire transfers
    involving currency amounts just below a specified threshold, or that involve
    numerous Bank or travelers cheques.




                                                                                   15
      A customer or a non customer receives incoming wire transfers from the Bank to
       ‘Pay upon proper identification’ or to convert the funds to bankers’ cheques and
       mail them to the customer or non-customer, when

          -   the amount is very large (say over Rs. 10.00 lakhs)
          -   the amount is just under a specified threshold (to be decided by the Bank
              based on local regulations, if any)
          -   the funds come from a foreign country / or
          -   such transactions occur repeatedly

A customer or a non-customer arranges large wire transfers out of the country which are
paid for by multiple Banker’s cheques (just under a specified threshold)

A non-customer sends numerous wire transfers using currency amounts just below a
specified threshold limit.


                                        *********




                                                                                    16
                                             ANNEX-II

                               COUNTERFEIT CURRENCY REPORT (CCR)

Kindly fill in CAPITAL. Read the instructions before filling the form
PART-1         DETAILS OF REPORTING BRANCH / LOCATION

1.1. Name of the Entity
1.2. Name of the Branch
1.3. Branch reference number                     1.4. ID allotted by FIU-IND :
1.5. Address (No. Building)
1.6. Street / Road
1.7. Locality
1.8. City / Town / District
1.9. State / Country
1.10. Pin code                                   1.11. Tel. (with STD Code) :
1.12. Fax                                        1.13 E-mail :

PART-2         DETAILS OF COUNTERFEIT CURRENCY

                                     Denomination        No. of pieces           Value
2.1                                   1000
2.2                                    500
2.3                                    100
2.4                                     50
2.5                                     20
2.6                                     10
2.7
2.8        Total Value of Counterfeit Currency

PART-3          DETAILS OF DETECTION
3.1 Date of Cash Tendering                         3.2 Total Cash Deposited :
3.3 Date of Detection
3.4 Detected at
                           A       Cash Counter B       Br. level   C       Currency Chest
                           D       RBIs CVPS     Z       Other
3.5 Whether local police station has been informed                      Yes        No
3.6 Details of FIR (if available)
3.7 Additional information, if any

PART-4        DETAILS OF RELATED PERSONS
4.1 Name of Tendering Person
4.2 Name of Account Holder
4.3 Account / Card No.

                                     Signature
                                         Name
                                   Designation

DO NOT FILL – FOR FIU-IND USE ONLY                                                 CCR




                                                                                             17
                         COUNTERFEIT CURRENCY REPORT (CCR)

                                       INSTRUCTIONS
GENERAL INSTRUCTIONS

                                                PART 3 : DETAILS OF DETECTION
HOW TO SUBMIT                                   3.1 Mention the date on which cash was
Every reporting entity branch must submit       tendered, if available. Date should be reported
this form to the Director, FIU-IND only         in YYYYMMDD format. E.g, 2nd May 2007
through the principal officer designated        should be entered as 20070502
under PMLA

Note:   A separate Counterfeit Currency         3.2   Mention the total cash tendered by the
Report (CCR) should be filed for each           renderer including counterfeit currency, if
incident of detection of counterfeit Indian     available.
currency.      If the detected counterfeit      3.3     Mention the date on which counterfeit
currency notes can be segregated on the         currency was detected in YYYYMMDD format.
basis of tendering person, a separate CCR       E.g, 2nd May 2007 should be entered as
should be filed for each such incident.         20070502
EXPLANATION OF SPECIFIC TERMS                   3.4 Select from the following counterfeit
PART-1 : DETAILS OF REPORTING BRANCH            currency detection stages
/ LOCATION                                      “A” - Cash counter by the teller
                                                “B” – Br. Level during sorting
                                                “C” – Currency chest while counting
                                                “D” - Currency verification & processing system
                                                      at RBI
                                                “Z” - Other
This section contains details of the branch /   3.5 Mention Yes, if local police station has
location where the counterfeit currency was     been informed
detected                                        3.6 Mention details of FIR, Police station etc.,
                                                if available.
1.1      Mention name of the reporting entity   3.7 Mention additional information such as
(bank, financial institution)                   quality of counterfeit currency, sequence of
                                                events, if available.
1.2 Mention name of the reporting branch /
location                                        PART-4 : DETAILS OF RELATED PERSONS

1.3 Mention any unique number issued by         4.1    Person who tendered the counterfeit
the regulator or any temporary code to          currency, if available
uniquely identify each branch / location

1.4 ID allotted by FIU-IND may be left blank    4.2 Name of the sole / first account holder in
till the same is communicated by FIU-IND        whose account counterfeit currency was
                                                tendered, if available.
PART-2 :       DETAILS OF COUNTERFEIT           4.3 Account / Card number of the person in
CURRENCY                                        whose account the counterfeit currency was
                                                tendered, if available.
The section contains the details of
counterfeit currency.      Total value of       The form should be signed by an officer at the
counterfeit currency should match with the      branch / controlling office / head office.
total calculated value of Denomination x
number of pieces




                                                                                                   18
                                  THE ANDHRA PRADESH STATE
                                     CO-OPERATIVE BANK LTD.
                                     4-1-441: Troop Bazar :: HYDERABAD 500 001
                                      Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                              e.mail: apscob@hd1.vsnl.net.in



No. Bkg/BRCC/F.195/207                                                        Dt. 29.01.2005



                                      CIRCULAR

       Sub :    Bank’s Policy of “KNOW YOUR CUSTOMER” – Communication of.

                                       ****
      The PIC of the Bank has approved the policy of “Know Your Customer” and all the
Branch Managers and AGM (Bkg-Opr) are advised toi cause implementation of the
approved policy.

Bank’s Policy of “KNOW YOUR CUSTOMER”:

        For opening all types of new deposit accounts, obtaining of introductory reference
from the existing customer / persons known to the Bank shall be obtained. For
establishing the identity of prospective customers, the copes of Driving License, Pass-
port, photo identity cards issued by Election Commission / Employer can be accepted.

       All Branches and Head Office Branch shall closely watch the deposit, cash credit
and overdraft accounts where cash withdrawals and deposits of Rs. 1,00,000/- and above
are made and in case of any suspicious nature, they shall make formal enquiries about
the genuineness of such transactions. The BMs and HO branch shall maintain a separate
record of all cash transactions of Rs. 1,00,000/- and above in a separate register and
inform the same to Head Office on fortnightly basis. In case of any suspicious nature of
transactions, they shall be informed to HO immediately after notice.

       Request for issue of Demand Drafts, Banker Cheques etc, for Rs. 50,000/- and
above shall be entertained only against debit of customer’s account but not against
remittance of cash.

         Before opening of accounts / collecting cheques in favour of Trusts, Associations,
Clubs, Charitable Institutions which receive foreign contribution / aid, registration
certificate issued by Govt. of India, which states that such institution is registered in India
shall be obtained or alternatively a certificate to that effect shall be obtained.

         Before opening of current accounts in favour of Institutions / Individuals, a
declaration stating that he is not enjoying any credit facility with any other commercial
bank, shall be obtained or may obtain a declaration containing the particulars of credit
facilities enjoyed by him / them with any other commercial bank. In case of enjoyment of
any credit facilities, the Branch should duly inform the concerned leading bank and shall
insist for a formal NOC from them and wait for 15 days for positive response and if no
reply is received in that time, the Branch can open the account. It shall be ascertained
whether prospective customer is a member of any cooperative society / bank, if so full
details may be obtained indicating name of PACS / Bank, No. of shares held, details of
credit facilities, quantum, due dates etc.


                                                                                           19
         The branches / HO branch shall report the involvement in any transactions by
terrorist individuals / organizations to the HO for reporting to Reserve Bank of India from
time to time.

       The Internal Audit and CMI&AD Department shall monitor the adherence of ‘Know
Your Customer” guidelines in their inspections and audit. The transactions involving cash
deposit / withdrawal of Rs. 1,00,000/- and above in any type of accounts shall also be
monitored by the CMI&AD department of the Bank.

      The APCOB, CTI shall conduct periodical training programmes covering ‘Know
Your Customer” related guidelines to the staff of APCOB & DCCBs.

      Branches & HO Branch shall exercise proper care and undertake formal enquiries
and compliance to KYC norms before operationalising the non-operative accounts.

        All the Br. Managers & Managers working in HO Banking Dept. are advised to
adhere to the above policy guidelines for all new deposit accounts opened hereafter and
also cause application of the same to all the existing accounts, where the credit and debit
summations are more than Rs. 10.00 lakhs and above as on 31.03.03. All the
deficiencies like lack of introduction, address proofs, change of address proofs
establishment of identification etc., in existing accounts shall be regularized by 28.02.05
and report compliance to DGM (Bkg) by giving details of deficiencies rectified.

Trusts, Associations, Clubs, Charitable Institutions which receive foreign contribution / aid,
registration certificate issued

                                                                       Sd/-
                                                         DY. GENERAL MANAGER (Bkg)

To
     1. The Asst. Gen. Manager (Bkg) Operations
     2. All the Br. Managers of APCOB
     3. Managers working in Banking Department.
Copy to:
  1. The Peshies of MD, GMs & DGMs
  2. The DGM (CMI&AD) (Insp)             …. . With a request to monitor the
  3. The DGM (CMI&AD) (Internal Audit) …. adherence to policy
  4. The Director, CTI, Rajendranagar ….. with a request to include the topic of ‘Know
      Your Customer” in training programmes.




                                                                                          20
         PROCEDURAL GUIDELINES FOR BANKING FACILITIES
                TO VISUALLY IMPAIRED PERSONS


I.    General Instructions :

      1. Banking facilities for visually impaired persons should be offered at all
         branches of the bank.

      2. Banks should not equate visually impaired customers with illiterate
         customers.

      3. All banks must provide the same facilities to a visually impaired customer /
         prospective customer as it would to any other customer. But at the same
         time the customers should be made aware of the risk involved in some of
         these facilities which may be higher than that for a normal customer.

      4. Additional facilities like reading and filling up for forms, slips, cheques
         should be provided to a visually impaired customer, if required.

      5. Banks should not deny any service to visually impaired customers including
         visually impaired customers who use their thumb impression for operating
         the bank account.

      6. A visually impaired customer must not be forced to operate the bank
         account jointly with any person or in the presence of any person.

      7. Visually impaired customers may be allowed to appoint a person / persons
         as their Power of Attorney or Mandate Holder to operate their bank
         account if the visually impaired customer so desired.



II.   Opening of Bank Accounts

      1. All banking products offered by the bank should be made available to
         visually impaired persons.

      2. The Bank must follow the same procedure for opening of the account of a
         visually impaired person as it does for its other customers.

      3. He / she must be allowed to open the account either singly or jointly with
         others.

      4. The Bank must allow the visually impaired customer to open a joint
         account with anybody that he / she chooses including person (s) who is /
         are visually impaired.

      5. The officer / Manager of the branch should read out the rules of business
         and other terms and conditions in the presence of a witness, if required by
         the customer.




                                                                                  21
       6. The Bank Branch Manager must inform a visually impaired customer /
          prospective customer of his rights and liabilities before opening the
          account.

       7. The documentation requirements of a visually impaired customer must be
          the same as any other customer.

       8. The account has to be clearly marked as “the account holder is visually
          impared”.


III.   Withdrawal of cash / cheque book facility

       1. Facilities for withdrawal of cash as are provided to all customers regarding
          cash payments must be provided to visually impaired customers.

       2. In case of a visually impaired customer makes cash withdrawals at the
          bank, then the payment must be made in the presence of another bank
          employee / officer. No outside witnesses are required unless the visually
          impaired customer requests that such witnesses he present.

       3.   Operations should not be restricted to self-withdrawals.

       4. Cheque book facility should not be denied to visually impaired person.

       5. All procedures pertaining to the use of such cheque books by visually
          impaired customers must be in accordance with that of the other
          customers.

       6. Cheques issued by visually impaired persons to third parties should be
          honoured, if otherwise in order.


IV.    Credit Cards / Debit Cards

       1. Visually impaired customers must be issued credit cards / debit cards on
          request.

       2. All rules and regulations regarding credit / debit cards must be available on
          the web-site of the respective bank in accessible format. These should be
          read out to visually impaired persons and perceived risk factors explained
          to them.

       3. Banks may consider issuing credit / debit card with photograph.          This
          photograph will work as a identification / verification.


V.     ATM / Debit Cards

       1. Visually impaired customers must be permitted to avail of ATM facilities.

       2. Banks should also ensure that the ATMs are accessible to other categories
          of persons with disabilities such as the orthopaedically disabled.




                                                                                      22
VI.    On Line Banking / Mobile Banking and Tele Banking / Phone Banking

       1. All Banks must have accessible website and conform to international
          accessibility standards.

       2. All customer facing applications such as web applications, desktop
          applications and mobile applications should be accessible to visually
          impaired persons.

       3. The Banks should have alternate methods of user authentication /
          password verification.

       4. All features especially those related to customer security must be
          accessible to visually impaired customers.


VII.   Lockers

       1. Visually impaired customers should be provided with locker facility on
          request.

       2. Suitable lockers conveniently located for operations may be allowed.

       3. Bank procedures for issuing a locker to a visually impaired customer must
          be the same as to any other customer.

       4. A visually impaired customer may be given the following options for
          operation of locker :

                 a. Operation – singly
                 b. Operation – Singly with the assistance of a reliable person, as per
                    the choice of the applicant
                 c. Operation - Jointly

       5. A visually impaired customer may request the person in charge of the
          locker to be present when the locker is opened or to check if nothing has
          been left behind or fallen after the locker is closed.

VIII. Loans
      1. Loans must be made available to visually impaired customers as are
         offered to other customers and their impairment of vision should not be a
         criterion for sanctioning / denying a loan.

       2. No additional burden of interest payment, collateral and other terms should
          be imposed on the visually impaired customer



                                      *******




                                                                                    23
ST Loaning Policy : NABARD to SCB:


        The   National   Bank   formulates     ST-SAO   policy     every   year   and
communicates to the State Cooperative Banks.


        For the year 2009-10 the NABARD communicated the ST(SAO) policy vide
their circular No.NB/62/PCD-03/2009 dt.02.04.09. The salient features of the
policy are:


   1. NABARD ensures dispensation of crop loans to farmers (upto Rs.3.00
        lakhs) at 7% rate of interest per annum with concessional refinance of 3%
        from Govt. of India on their own involvement.
   2. Quantum of refinance is linked to net NPA level of the SCB as follows:

                  Level of NPAs of
                                      Eligible limit on % of RLP
                        SCB
                 Upto 10%             40%
                 > 10% < 15%          35%
                 > 15%                30%



        RLP: Realistic Lending Programme to be arrived at on the basis of average
        growth in crop loans issued during previous three years.


   3. NABARD stipulated that their future policy for refinance may be tightened
        and made more stringent regarding NPA norms for deciding the eligibility
        and quantum of refinance.


   4. Banks have to ensure that aggregate crop loan disbursement by all eligible
        DCCBs to SF/MF shall not be less than 30% of total aggregate crop loan
        disbursements by the eligible DCCBs.


   5.     In case of deficit in NODC, SCB will have to make good the deficit in
   NODC. In case the SCB fails to make good the deficit within one month from
   the date of occurrence of such deficit, additional interest @ 1% p.a. will be
   charged on the deficit in NODC for the duration of deficit till the date on
   which the amount of deficit is regularized.




                                                                                  24
   6.   SCBs which fails to honour commitments to NABARD in repayment of
   principal, payment of interest/ or any other dues by the prescribed due dates,
   will be not eligible for any refinance from NABARD till the clearance of default
   in question.



CREDIT LIMITS :


          a)   For the year 2009-10 NABARD sanctioned the following limits:


                                    (Rs. in lakhs)
                              Purpose Amount
                              SAO          60923.00
                              OPP           8041.00
                              DTP           1036.00
                              Total       70000.00



   b) For the year 2009-10 APCOB sanctioned a limit of Rs.150145.00 lakhs to
DCCBs as follows:


                                 (Rs. in lakhs)
                               Purpose Amount
                               SAO          130563
                               OPP           17234
                               DTP             2348
                               Total       150145



   c) Subsequently APCOB sanctioned additional limit of Rs.1000.00 lakhs to
each DCCB in order to increase the finance to existing borrowers and for
financing new / non-borrowing members.


   d) APCOB stipulated the condition that drawals to DCCBs will be restricted
to the extent of 55% of ground level disbursements (in view of corresponding
limitation placed by NABARD) against existing limits.




                                                                                25
    e) For additional limits the drawals will be allowed to the extent of 100%
upto August 2009 and excess over and above 55% will be adjusted from
September 2009 drawals.


    f) Other terms and conditions stipulated by NABARD will apply to DCCBs
also.




                                    ~~~~




                                                                           26
               Weavers Policy – Weavers Societies – 2009-10 :


      NABARD vide its Circular No. NB.PCD-Policy (Weavers)/353/A.7(P)/2009-
10, dt. 08.06.2009. Communicated the Policy Guidelines for Weavers Credit
Limits for the Year 2009-10.

      As per the Policy Guidelines issued by NABARD the eligibility under Short
Term Credit Limits to SCB/DCC Banks for the year 2009-10 shall be as under:

AUDIT :

      Audit for the year 2007-08 should have been completed and relative audit
      report along with financial statements should have been received by
      NABARD.

      Wherever audit for 2008-09 has been completed and audit report is
      available, the same should be submitted along with the application.

Compliance with Sec. 11(1) of BR Act of 1949 AACS :

      SCB / DCC Banks complying with the provisions of Sec 11(1) of BR Act
      1949 (AACS) or exempted from complying with the said provisions by GOI
      will be eligible for sanction of Credit Limit.


      Not complying with the provisions and exemption from GOI is pending,
      will be eligible if the exemption application is approved and recommended
      by NABARD and not pending with RBI / GOI for more than a year.
      Sanction to Sec 11(1) non-compliant banks would be either against Govt.
      Guarantee or Pledge of Govt. Securities.


      The   SCB    /   DCC     Banks    whose    license    applications   have   been
      recommended by NABARD to RBI for rejection or already rejected by RBI
      would not be eligible for sanction of Credit Limit.


      Special relaxation would be granted in respect of states which have
      accepted and executed the MoU as per Vaidyanathan Committee-I
      Recommendations.


      The PACS affiliated to ineligible DCC Banks may be financed by the
      Branch of SCB or nearby DCCB, subject to approval by their bye-laws.

                                                                                   27
Quantum of Refinance :

      The amount of refinance will be linked to the level of ‘NET NPAs’ of SCB as
      on 31.03.2008 / 31.03.2009.


      If the NPA level as per the statutory audit is less as compared to NPA level
      as revealed by Inspection Report of NABARD, NPA level as revealed by
      Inspection Report will determine the eligibility.



Drawal Conditions :

      The operative period of the limits would be 01.04.2009 to 31.03.2010.

      Drawals by Sec 11 (1) Non-Compliant Banks would be permitted only up
      to the period of exemption. Drawal beyond the exemption period may be
      allowed either against Govt. Guarantee or pledge of Govt. Securities –
      subject to complying with other terms & conditions.


Consolidated Limit :

      A consolidated limit will be sanctioned to SCB on behalf of eligible DCC
      Banks. Each drawal will be against the DPN executed by the SCB along
      with a declaration in writing that the drawal preferred and the refinance
      already availed are against the loans provided to eligible DCC Banks for
      financing eligible PWCS / Individual / HWGs / MWs and are covered by
      adequate non-overdue loans outstanding at DCC Bank level.

Eligible Activity :

      Working capital finance “extended for production and marketing of cloth
      by PWCS Power loom WCS / Individual Weavers / Handloom Weavers
      Groups / Master Weavers.

Eligibility Criteria for sanction of Credit Limits to PWCS :

      Society should be functioning as production – cum – sale unit.

      Society should be viable / potentially viable and should have paid
      Manager / Secretary.

      Society should have positive NDR (Aggregate of Owned funds minus
      Investments, Shares, Fixed Assets & Accumulated Losses).


                                                                               28
      Society should not be placed under ‘D’ Class Audit.


      Society Audit should have been completed up to 2006-07.


Assessment of Working Capital :

      50% of Anticipated Production based on actual production during the
      previous year or the average production during the preceding 3 years,
      whichever higher, plus reasonable increase during the year (generally
      assumed at not exceeding 20%).


      In case of newly established PWCS / Dormant Societies activated and in
      case of established / running societies, where new looms are acquired /
      idle looms are activated, assessment will be on the basis of per loom scale
      of finance. The per loom scale of finance is decided at the State level each
      year by the Directorate of Handlooms.          The Banks / Director of
      Handlooms should ensure proper supervision over the end-use of funds.


      If the PWCS has remitted in the CC A/c an amount equal to at least either
      50% of sales or 60% of the CC Limit, the PWCS is eligible for new CC Limit
      up to previous year’s limit. No proportionate reduction in CC Limit for any
      shortfall in remittances should be allowed.


      Societies failing to remit even 30% of sales or 40% of the CC Limit
      sanctioned whichever is lower, should be treated as defaulter to the Bank,
      their outstandings should be considered as overdue and such societies
      will not be eligible for any Credit Limit.

      Enhanced Credit Limit shall be allowed only where society has remitted at
      least 60% of sales or 75% of the limit sanctioned, whichever is higher.


      Additional Credit Limit may be considered for sanction subject to –
      achievement of at least 80% of previous year’s anticipated production and
      other terms & conditions.


Margin :

      Societies should maintain margin of 10% of working capital limits
      provided by DCC Banks from out of their NDR.



                                                                                29
Cover for Borrowings :

      Not less than 90% of the Aggregate Value of :

         1. Fully paid yarn – in – stock with the society, valued age-wise.

         2. Yarn with members, fully paid dyes and chemicals & other raw
            materials. Advances towards wages made by the PWCS to their
            weavers members, subject to terms & conditions.

         3. Overdue wage advances, if any, should be excluded from the
            advance wages worked out.

         4. Finished goods in stock valued age-wise.

         5. Rebate claims due from Govt. duly certified by the Department.

         6. Dues admitted and outstanding payment by the Apex / Regional
            WCS for cloth sold.

         7. Bills payable by the Apex / Regional WCS for cloth purchased but
            not paid for.

         8. Book debits arising from Credit Sales of cloth, as per terms &
            conditions.

         9. In case of usance documentary bills, as per terms & conditions.


NODC:

      Drawals on sanctioned limit would be permitted by NABARD to SCB on
      the basis of aggregate NODC pertaining to the eligible DCC Banks which
      have outstanding borrowings from the SCB. The SCB will have to submit
      monthly NODC Statements indicating DCC Bank-wise position.



Additional Interest on NODC Default :

      In case the SCB fails to make good the deficit within one month from the
      date of occurrence of the NODC deficit, additional interest @ 1% p.a. will
      be charged on the deficit in NODC for the duration of deficit till the date
      on which the amount of deficit is regularised.


Clearance of Defaults :

      SCBs which fail to honour their commitments to NABARD will not be
      eligible for any refinance facility from NABARD till the clearance of default.
      The SCB will be liable to pay to NABARD, interest on amount of default at

                                                                                 30
       10% p.a. for the period for which the default persists. The penal interest
       rates are subject to revision from time to time.


Rate of Interest Charged :


       Effective     Rate of Interest Charged             Rate of interest under
         Date            under Refinance                   APCOB Own funds

                     NABARD – APCOB           7.50

      01.04.2009      APCOB - DCCB            8.25     APCOB – DCCB           10.50
                       DCCB – PWCS           10.50        DCCB – PWCS         12.50



Short term (others) (NABARD Scheme)

As per NABARD policy circular No. 80/PCD.06/2009 dt. 01.06.09, the following
are the salient features. The rate of refinance is 8% to SCB and the purpose
eligible for refinance are:


   1. Working Capital requirement of Agriculture and allied activities:

       a)      Loans for agricultural purposes against security of gold and other
               security other than charge on crops.

       b)      Revolving cash credit facility for agricultural purposes extended by
               Coop. Banks against Mortgage of land/other collaterals.

       c)      Working capital credit provided for activities allied to agriculture
               like Dairy, Poultry etc.

       d)      Short term credit support provided to cultivators with high scales of
               finance for commercialization of agriculture, exports, value addition
               etc.

   2. Marketing of crops:

       a) Advances against        pledge     of   agricultural   produce   belonging    to
          cultivators.

       b) Outright     purchase    of      agricultural    produce   of    cultivator   by
            processing/processing-cum-marketing/Marketing societies.


       c) Marketing of crops.


   3. Industrial Cooperatives (Other than weavers)


                                                                                        31
4. Labour contract societies:

   a) Labour contract societies engaged in any one or more of the 22
      approved broad groups of cottage village and small scale industries.

   b) Forest labour cooperative societies engaged in collection and marketing
      of Minor term produce.

   c) Labour contract cooperatives engaged in civil work in rural areas.

5. Rural Artisans including weavers members of PACS/FSS/Camps.

6. Pisiculture/Fishery activities.

7. Purchase, stocking and distribution of chemical fertilizers and other
   agricultural inputs.




                                                                           32
          Gold Loan Refinance Scheme to DCCBs (APCOB Scheme)
                           for Agricultural purposes


1) Purpose of the loan:
          The limit sanctioned is as refinance for onward lending of gold loans
           to meet the    agricultural requirements of the farmers through the
           Branches of DCCB only as short term Agricultural loan (against
           security of gold).


2) Eligibility for refinance:
          All DCCBs are eligible for refinance for the gold loans directly
           disbursed by the Branches of DCCBs.

3) Quantum of Refinance:
          Drawals are sanctioned upto 80% of the non-overdue gold loan
           outstandings. A separate NODC to be maintained and furnished with
           each drawal application.


4) Validity period:
          The limits are sanctioned for one year ending with 31st March.

5) Rate of Interest:
          The interest charged on refinance to the DCCB and ultimate
           borrower will be is as follows: (Subject to   recommendation by the
           ALCO)


             1   APCOB to DCCB           Normal rate 8.00% (in case of
                                         default 2.00% penal interest)

             2 DCCB to ultimate          7% p.a.(The DCCB may claim
               Borrower                  interest subvention of 3%)



6) Security:
      The DCCB shall create charge and assign the jewels / gold pledged by
      its borrowers in favour of APCOB with the right to physical possession
      and sale in the event of default in repayment. The DCCBs have to
      create charge on crops, movables and immovables in addition to pledge
      of gold.
                                                                             33
7) Individual Maximum loan:


        Maximum of Rs.3.00 lakhs per individual subject to the rate per
         gram as prevailing in the DCCB, not exceeding 60% of the market
         value of the gold.



                                 *****




                                                                     34
                        INTEREST REBATE SCHEME


   The Government of Andhra Pradesh has been implementing 6%Interest
    Rebate Scheme on Crop Loans, Medium Term loans and Long Term loans
    to the farmers through cooperatives with the aim of providing agricultural
    loans at an interest rate of 5% p.a.


   For the year 2008-09, the Government of Andhra Pradesh has announced
    provision of Crop Loans to farmers through Commercial banks, Regional
    Rural Banks and cooperatives at an interest rate of 3% under Pavala
    Vaddi Scheme.


   The Interest Rebate claims are being obtained from the DCCBs and
    submitted quarterly to Government of Andhra Pradesh through RCS, and
    the Government will release the claim depending upon budgetary
    provision.


   For the year 2006-07 APCOB submitted rebate claims of Rs.118.27
    crores.. Out of this an amount of Rs. 52.96 crores was received by APCOB
    during 2008-09. (Rs. 50.06 crores from State Government and Rs. 2.90
    crores from AMCs).


   From out of claims of 2006-07 still the Balance Receivable is Rs. 65.31
    crores. The State Government has issued G.O.Ms. No. 123 Dt 15.05.2009
    for release of Rs. 11.32 crores. The amount is yet to be released.


   For the year 2007.08 APCOB submitted a rebate claim of Rs. 41.40 crores.


   For the year 2008-09 the likely amount of rebate claim would be around
    Rs. 60.00 crores.


   The requirement of rebate claims receivable from Govt. of A.P. comes to
    about Rs. 201.71 crores upto the 2009-10, APCOB sought immediate
    budgetary provision of Rs. 110.00 crores.




                                                                           35
                                ADWDRS - 2008


     The Union Finance Minister in his Budget presentation on
29.02.2008 had announced Agricultural Debt Waiver and Debt Relief
Scheme 2008. The salient features of the scheme are:


  1. The loans issued between 31.03.1997 and 31.03.2007 and overdue
     as on 31.12.2007 and remained overdue as on 29.02.2008 are
     eligible for waiver and relief.



  2. The Small and Marginal Farmers with land holdings upto 5 acres
     are eligible for total wavier as per the above criteria.



  3. a) The ‘Other farmers’ with land holdings more than 5 acres are
     eligible for relief of 25% under one time settlement scheme provided
     they remit the balance amount on or before 31.12.2009.



     b) In respect of the revenue districts covered under PMRP and
     Srikakulam the ‘Other farmers’ are eligible for 25% of the eligible
     amount or Rs.20,000/- whichever is higher provided balance
     amount is remitted by them.



  4. As per the scheme, interest should not be charged from 01.03.08 on
     the waived amount and the Govt. of India will not reimburse such
     amount.



  5. As per the scheme the penal interest, interest over and above
     principal, legal charges etc. should neither be claimed from GoI nor
     recovered from the farmers; It has to be borne by the lending
     institution.




                                                                      36
6. However, as per GoI clarification F.No.3-9/2008-AC dt.08.07.09 the
  Banks/ Lending Institutions would not charge any interest on the
  eligible amount for the period from 29.2.08 to 30.06.09. However,
  the Banks may charge normal rate of interest on the eligible amount
  from 1.07.09 upto the date of settlement.



                               ~~~




                                                                  37
        IMPLEMENTATION OF THE SCHEME OF ADWDR-2008
                 BY A.P. STATE COOP. BANK:


      The State Cooperative Bank has implemented the scheme through
PACS.


      Total claims of Rs.3928.37 crores have been submitted to NABARD
of which 3472.50 crores was towards waiver and Rs. 455.87 crores
towards Relief.


      NABARD has released Rs.2893.06 crores so far (28.07.09) towards
waiver claims.


      APCOB has reimbursed Rs.136.00 crores i.e. 70% of interest to
PACS on loan waiver amount from 10.308 to 16.10.08.


      APCOB has also reimbursed Rs.37.11 crores i.e. 33% of the loans
on account of waiver of interest exceeding principal, Penal interest, legal
charges etc.


      APCOB along with DCCB and PACS is also extending 10%
additional relief i.e., in addition to 25% relief provided by the GoI to ‘other
farmers’ provided balance amount is paid by 31.12.09 by the category of
‘other farmers’.   The additional 10% relief shall be shared by APCOB :
DCCB and PACS in the ratio of 40:35:25.



                                     ~~~




                                                                            38
          The Andhra Pradesh State Co-operative Bank Ltd.
                          Troop Bazar, Hyderabad.
         -----------------------------------------------------------------

           Statement showing the rate of interest payable
             by APCOB and DCCBs for the year 2009-10



                            Rate of Interest
Sl.                                                       Rate of Interest
          Purpose          from NABARD to
No.                                                      from SCB to DCCB
                                 SCB
 1          SAO                 4.00%                          6.25% *

 2          OPP                  4.00%                         6.25% *

 3          DTP                  4.00%                       6.25% *

 4        Weavers                7.50%                    8.25% - NABARD

                                                        10.50% - Own funds

 5     ST(SAO) Others            8.00%                      Not specified

 6       Gold Loans                  -                          8.00%



Adjustments are made against interest rebate claims under State
Government Scheme and interest subvention scheme of Govt. of India and
the margins of DCCBs and PACS protected in passing-on State
Government/Govt. of India/NABARD concessions.




                                                                             39
40
                                                           THE ANDHRA PRADESH STATE COOP. BANK LTD., TROOP BAZAR, HYDERABAD
                                                        PARTICULARS OF SAO LOANS (ST CROP LOANS) DISBURSED FROM 2004-05 and 2008-09
                                                                                                                                                                            (Rs. In lakhs)
                                  2004-05                                2005-06                             2006-07                            2007-08                            2008-09
Sl.    Name of the
No.      DCCB         Kharif        Rabi        Total         Kharif      Rabi        Total      Kharif       Rabi        Total      Kharif       Rabi       Total      Kharif       Rabi          Total

1     Srikakulam        2470.34     2120.47     4590.81       3033.70     2254.90     5288.60     3399.07     3045.71     6444.78     4016.71     601.00     4617.71    3818.00      3300.00       7118.00
2     VZ Nagaram        2115.97     1736.16     3852.13       2222.18     1811.40     4033.58     2265.08     2618.95     4884.03     3131.14     430.00     3561.14    1194.00      1690.00       2884.00
3     V.Patnam          6892.71     3579.41    10472.12       9049.65     6092.52    15142.17    10619.06     7180.86    17799.92    10249.50     462.90    10712.40     830.00       960.00       1790.00
4     Kakinada         15546.85     9073.45    24620.30      16639.98     9135.08    25775.06    18566.56    13279.94    31846.50    19724.39     842.97    20567.36    5025.00    10831.58       15856.58
5     Eluru            17848.17    11610.62    29458.79      20645.98    12494.35    33140.33    29138.14    14611.21    43749.35    21020.00    1633.13    22653.13   15544.80    10814.00       26358.80
6     Krishna          12273.68    13947.90    26221.58      19601.26    17856.32    37457.58    12501.46    22279.73    34781.19    20497.16    5942.00    26439.16    7600.00      4962.00      12562.00
7     Guntur            8274.50     6948.17    15222.67      10568.34    11242.75    21811.09     8813.60     9305.09    18118.69    12829.60     161.15    12990.75    1708.16      9610.23      11318.39
8     Prakasam          6457.04     4355.81    10812.85       9192.47     5504.36    14696.83     8817.22     3457.21    12274.43     8516.00     269.00     8785.00     337.00      3479.00       3816.00
9     Nellore           2024.26     1446.56     3470.82       2910.00     2541.93     5451.93     1993.91     4175.33     6169.24     3890.20     500.00     4390.20    1180.50      1018.00       2198.50
10    Cuddapah          3253.50      100.65     3354.15       3839.03      752.62     4591.65     4459.26      800.32     5259.58     5792.56     183.72     5976.28    5382.72      1237.34       6620.06
11    Kurnool           3116.25     3722.13     6838.38       3586.35     3332.88     6919.23     4238.43     4209.54     8447.97     6201.62     850.00     7051.62   13912.27      5362.96      19275.23
12    Ananthapur       10097.89     5529.63    15627.52       9116.64     6148.86    15265.50    11168.89     8146.64    19315.53    12771.51    6300.00    19071.51   13900.00      7368.52      21268.52
13    Chittoor          5980.25     1099.10     7079.35       6466.44     4483.07    10949.51     6037.72     2225.48     8263.20     6628.10      60.66     6688.76    1120.00      2894.28       4014.28
14    Adilabad          5795.07      182.07     5977.14       5525.74      317.80     5843.54     3275.17      892.04     4167.21     2296.41       6.79     2303.20     110.00      1089.00       1199.00
15    Hyderabad         1415.15     6437.88     7853.03       6163.18     2986.62     9149.80     5236.49     3787.77     9024.26     6144.20     654.00     6798.20     976.84      2266.57       3243.41
16    Karimnagar        3480.18     5675.11     9155.29       5645.36     5959.38    11604.74     7428.51     6337.90    13766.41     8734.92     140.00     8874.92     156.00      5243.00       5399.00
17    Khammam           6143.69     3619.74     9763.43      10740.62     6926.19    17666.81     8320.85     7992.73    16313.58     9542.89     161.00     9703.89   10125.00      4176.38      14301.38
18    MB Nagar          3508.84     2434.79     5943.63       4677.78     2952.27     7630.05     5053.42     3465.30     8518.72     5915.68     210.00     6125.68     688.00      6050.00       6738.00
19    Medak             2840.60     1085.09     3925.69       4825.00     1539.24     6364.24     4848.01     1842.10     6690.11     3743.73     650.00     4393.73     745.19      2750.00       3495.19
20    Nalgonda          2330.54     5185.40     7515.94       6657.15     4537.44    11194.59     5789.07     4327.68    10116.75     6466.11     921.00     7387.11    1208.00      1497.80       2705.80
21    Nizamabad        10578.95     4643.37    15222.32       9469.96     9995.00    19464.96    12463.00     6511.67    18974.67     9920.58     920.00    10840.58    1489.00      5671.50       7160.50
22    Warangal          2565.53     1816.68     4382.21       5832.63     2583.97     8416.60     6463.76     2438.91     8902.67     6464.38     228.25     6692.63     431.22      3017.70       3448.92
23    GCC                342.24       13.42      355.66        307.62        7.67      315.29      341.89        1.53      343.42      371.38       0.00      371.38       0.00          0.00        0.00
                                                                                                                                                                                                182771.5
          TOTAL      135352.20    96363.61    231715.81     176717.06   121456.62   298173.68   181238.57   132933.64   314172.21   194868.77   22127.57   216996.34   87481.70   95289.86
                                                                                                                                                                                                   6




                                                                                                                                                                                             41
                                THE ANDHRA PRADESH STATE
                                   CO-OPERATIVE BANK LTD.
                                   4-1-441: Troop Bazar :: HYDERABAD 500 001
                                   Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                            e.mail: apscob@hd1.vsnl.net.in




Cir.Letter.No.2/Opr.L1/2009-10                                  Date: 03.07.2009


The Chief Executive Officers /
General Managers
of all District Co-op Central Banks.

Sir,

       Sub: LT Loaning – Adhoc allocation under ZLT (Agrl) Loaning
            Programme for the year 2009-10 – Communication of – Reg.
       Ref: 1. APCOB Circular No. 2/Opr, dt. 16.01.07.
            2. APCOB Circular No. 2/Opr/L1/07-08, dt. 18.02.09.
            3. APCOB Circular No. 2/Opr/L1/07-08, dt. 26.02.09.
            4. NABARD Circular No. 65/ICD-18/09, dt. 02.04.09.
                                     ***
        The LT loaning programme allowed to DCCBs for the year 2008-09 expired
by 31.03.09 and APCOB proposes to make fresh allocation for the year 2009-10.


        NABARD vide circular letter 4th cited communicated its policy for making
refinance to APCOB. Based on NABARD policy, APCOB worked out the eligibility
criteria for DCCBs on the following guidelines:

                Criteria                           Quantum of refinance
Category-A:
                                   The quantum of refinance will be
 Net NPA upto 5% as on 31.03.08   unrestricted, subject to the Bank’s
 DCCB to be in profit for 2007-08 realistic disbursement plans acceptable
 No accumulated losses as on to APCOB and the overall allocation for
  31.03.08                         APCOB by NABARD

Category-B:
                                           The quantum of refinance will be fixed
 Net NPA above 5% and upto 10%            at 5% over and above the refinance
  as on 31.03.08                           drawn in the previous year, subject to
 DCCB to be in profit for 2007-08         the Bank’s realistic disbursement plans
 No accumulated losses as on              acceptable to APCOB and the overall
  31.03.08                                 allocation for APCOB by NABARD




                                                                                    42
Category-C:
 Net NPA above 10% and upto 15%
                                           The quantum of refinance will be fixed
  as on 31.03.08, the DCCB to be in
  profit  for   2007-08     and      no    at the same level as the refinance
  accumulated losses as on 31.03.08.
                                           drawn in the previous year, subject to
 DCCBs which do not satisfy criteria.
 Of category A/B, but with gross NPA      the Bank’s realistic disbursement plans
  upto 10% as on 31.03.08
                                           acceptable to APCOB and the overall
                                           allocation for APCOB by NABARD


Category-D:
 Net NPAs above 15% and upto 20%          The quantum of refinance will be fixed
  as on 31.03.08, the DCCB to be in        at the same level as the refinance
  profit  for   2007-08     and       no
  accumulated losses as on 31.03.08.       drawn in the previous year, subject to
 DCCB which do not satisfy criteria.      the Bank’s realistic disbursement plans
 Of category A/B, but with gross NPA
  above 10% and upto 15% as on             acceptable to APCOB and the overall
  31.03.08.                                allocation for APCOB by NABARD


Category-E:                                An adhoc amount of Rs. 5.00 crores will
 Net NPAs above 20% as on 31.03.08 be sanctioned to DCCB, subject to

                                           achieving a recovery percent of 75% as
                                           on the date of drawal.


       In case there is improvement in any of the parameters during 2008-09, the
same will be reckoned for eligibility of refinance to DCCBs.


       When the eligibility of DCCBs is worked out following the above guidelines
and based on the un-audited gross/net NPAs, profit/loss and accumulated losses
for the year 2008-09, SIXTEEN (16) DCCBs are eligible for refinance and SIX (6)
DCCBs viz., Vizianagaram, Visakapatnam, Nellore, Kadapa, Kurnool & Warangal
are not eligible for refinance.


       It is decided to sanction an adhoc allocation of Rs. 500.00
lakhs each to all 22 DCCBs under LT loaning programme for the
year 2009-10, including six (6) DCCBs, which are not eligible for
NABARD refinance.


                                                                               43
 The above Adhoc allocation is subject to the terms and conditions of
  loaning under respective purposes in terms of guidelines issued by
  APCOB under NABARD Refinance Schemes from time to time and
  subject to the conditions imposed by APCOB vide references 1st to 3rd
  cited.


 NABARD provides refinance at 100% for Minor and Micro Irrigation,
  Power tillers, Threshers, Rotors, Sprayers, Weeding equipment,
  Shellers,    Drip    and   Sprinkler   Irrigation,    SHG,   Fisheries,   Dairy
  Development, Contract         Farming, Dry      land    farming, Wasteland
  Development, Agro-processing, Agri-Clinic and Agri-Business centres,
  Plantation     &    Horticulture,   Agro   Forestry    and   Agri   Marketing
  Infrastructure Projects and 95% for other diversified purposes. The
  balance of 5% will be shared equally between APCOB and DCC Bank.


 The 6 DCCBs which are not eligible for refinance as per NABARD
  eligibility criteria should follow the following guidelines also in
  addition to the conditions stated above.


a. The DCCBs should have recovery percentage of 75% and above
   under LT loans as on the date of drawal application for that quarter.
   A certificate is to be furnished to APCOB along with reimbursement
   claim.


b. If the recovery percentage of the DCCB is less than 75%, the DCCB
   may improve the recovery percentage by adjusting the amounts
   from out of the flexi deposits of PACS with DCCBs towards LT
   recovery upto a maximum of 10% in accordance with SLIC
   Resolution No. 3 (v) of the meeting held on 23.11.2007 which reads
   as follows:


     “The PACS may at their discretion and subject to a minimum of
     40% appropriation towards settlement of overdues of DCCBs,



                                                                              44
        since April, 2004.    the balance amount should be retained by
        them for business purpose”.



c. These amounts so adjusted are to be recovered and recouped to the
   concerned PACS by the DCCBs.

         The      above   conditions   are   not     applicable     in   case   of
             disbursements     made     under       second     and    subsequent
             installments (committed expenditure) during the year 2009-
             10.

         The DCCBs are advised to complete the disbursements under
             diversified purposes by 31.01.2010 and for all other purposes
             by 28.02.2010 and refinance claims are to be submitted to
             APCOB before 2 months after the date of disbursements or
             before 15.03.2010 whichever is earlier, to enable APCOB to
             claim refinance from NABARD before 31.03.2010.

        You are further advised to adhere to the various terms and
conditions, guidelines as communicated from time to time relating to
valuation of lands, field inspection and delegation of powers of sanction
of loans and the technical parameters communicated under Automatic
Refinance.

        Please acknowledge receipt.
                                                               Yours faithfully
                                                                    Sd/-
                                                             Managing Director
                                  // f.b.o //
                                     Sd/-
                           General Manager (L&A)
Copy to :
   1.   The Chairman of the DCCB
   2.   Peshi to Chairman / Managing Director
   3.   All CGMs
   4.   All General Managers / DGMs of APCOB
   5.   The concerned ADO
   6.   Director, CTI, Rajendranagar
   7.   CAC Section




                                                                                 45
                      THE ANDHRA PRADESH STATE
                         CO-OPERATIVE BANK LTD.
                                 4-1-441: Troop Bazar :: HYDERABAD 500 001
                          Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                   e.mail: apscob@hd1.vsnl.net.in



Cir.APCOB/2/Opr.                                                Date: 16.01.2007




The General Managers
of all District Co-op Central Banks
in the State.


Sir,


       Sub: Fixing of eligibility criteria and financial discipline for
            lending through PACS in respect of ST & LT loans - Reg.

                                         ***

1.     It has been observed that the collections made at the grass root level i.e
       at the level of PACS, both under ST & LT loans are not being passed on
       fully as required to the DCCBs and APCOB. Further, the DCCBs had been
       earlier advised to provide fresh LT loans through the PACS only if their
       recovery percentage was 40% and above. In respect of societies which
       had not fulfilled the above, the DCCBs were advised to provide finance
       under LT loans directly, duly obtaining the necessary documentation in
       favour of the DCCB concerned. It is to be mentioned in this context that
       the PACS not only are required to make the minimum level of recovery
       but also ensure to pass on the collections made at their level to the full
       extent to the DCCBs and the DCCBs in turn are required to pass on the
       collections to APCOB under all purposes.

2.     Against the above background and with a view to improve the
       performance of the cooperative credit system in the State and to ensure
       the implementation of the requisite financial disciplines at various levels, it
       is decided to reiterate and fix certain operational disciplines in the matter
       of financing under ST & LT loans by the DCCBs through the PACS. The
       following instructions are accordingly issued:




                                                                                   46
3.   Basic eligibility criteria :

     A minimum recovery percentage of 40% is prescribed as basic eligibility
     for a PACS for obtaining refinance from the DCCB upto 30.06.07 i.e. the
     recovery under the integrated DCB of the PACS at present shall be atleast
     40% as of 30.06.06 to be eligible to be financed by the DCCB. Further,
     keeping in view the minimum eligibility criteria of 50% to be reached by
     30.06.07 under the Prof. Vaidyanathan Committee recommendations,
     effective from 1st July, 2007, the minimum recovery percentage for basic
     eligibility for financing the PACS by the DCCBs is fixed at 50%, i.e., the
     recovery under integrated DCB of the PACS shall be atleast 50% by 30th
     June, 2007.


4.   Additional criteria of eligibility for financing PACS :

      a) Passing on of collections :


      Further the PACS should have remitted the entire collections both under
      ST & LT loans to the full extent without retention of any amount
      (excepting the portion relating to interest margin of PACS). No diversion
      of funds for whatever purpose will be allowed by the PACS and the PACS
      which do not adhere to this discipline shall not be financed by the DCCB.


      b) Eligibility for fresh LT loans :

      Apart from the basic eligibility criteria, as indicated above, the PACS
      should have a minimum recovery percentage of 40% under LT loans as
      of 30.06.06 at present and minimum of 50% as of 30.06.07 for being
      eligible for securing allotment of LT loaning programme and
      disbursement thereon from 1st July, 2007. PACS which do not fulfill the
      basic eligibility criteria listed at para 3 above or have not fulfilled the
      criteria of full passing on of collections as indicated at para 4 (a) above
      or have not fulfilled the criteria for eligibility for fresh loaning under LT
      loans as mentioned supra i.e., minimum percentage of recovery under
      LT loans, shall not be financed by the DCCBs.


5.   a) Financing of fresh loans under ST-SAO:

     PACS which do not fulfill the basic eligibility criteria as detailed at para 3
     above or have not passed on collections fully as listed under para 4 (a)
     above shall not be eligible for any fresh loans or renewal of loans under
     ST-SAO purposes.
     b) Second and subsequent instalments of LT loans :

     For the present, the above eligibility criteria for financing through PACS
     need not be applied. In the case of disbursements towards second and
                                                                                47
     subsequent instalments of LT loans, the first instalments of which have
     been disbursed in the preceding years through the PACS.


     c) Financing of eligible borrowers in respect of ineligible PACS:

     In respect of borrowers of PACS, which are ineligible for refinance from
     DCCB as per the eligibility criterion prescribed above, the DCCB may
     admit them as their associate members and provide finance under LT
     loans directly as per the availability of programme with the DCCB and
     eligibility of the member, duly obtaining the necessary documentation in
     favour of the DCCB as per guidelines issued in our Circular Lr. No.
     33/2003-04/4, dt. 27.01.04, a copy of which is enclosed herewith for
     ready reference. Similar procedure and documentation may be followed
     in financing ST (SAO) loans directly by the DCCB to eligible members of
     ineligible PACS by opening CKCC accounts of such eligible borrowers at
     the level of branch of DCC Bank.



6.   Passing on of collections by DCCBs :

     The DCCBs are advised that member-level recoveries (excluding interest
     margin of PACS/DCCBs) under each purpose i.e. under ST & LT, either
     made at PACS level or DCCB level, as advised above, shall be passed on
     to the APCOB fully. This aspect will be strictly implemented by6 APCOB
     and non-passing on of collections made at the PACS level and of the
     collections made at DCCB level in respect of borrowers financed directly,
     will render the DCCB ineligible for drawal of refinance from APCOB. The
     monitoring and passing on of collections made at PACS level by the DCCB
     and the passing on of collections of the loans disbursed directly by the
     DCCB, will constitute a prime criteria for entitlement for refinance for
     DCCB from APCOB, apart from the other terms and conditions of
     refinance as has been advised / may be advised from time to time by
     APCOB in this regard.




                                                                           48
7.    The DCCBs are advised to strictly implement the above instructions
      without any deviations as any deviation in implementing the above
      instructions will disentitle the DCCB for drawal of refinance from APCOB
      henceforth.

                                                           Yours faithfully

                                    Sd/-
                                                        Managing Director
                                // f.b.o //
                                   Sd/-
                             General Manager
                           (Loans & Advances)
Copy to :
1. The Secretary to Government,
Cooperation & Marketing
Govt. of A.P., Secretariat
Hyderabad
2. The Commissioner for Cooperation &
Registrar of Co-op Societies
Govt. of A.P., Hyderabad
3. The Chief General Manager,
NABARD, AP., Regional office, Hyderabad.
     4. The Presidents of all the DCCBs in the State
5.   All General Managers / DGMs of APCOB
6.   The Director, APCOB-CTI, Rajendranagar, Hyderabad
7.   The ADOs / Legal Assistants in the DCCBs
8.   The EA to President, APCOB
9.   The EA to Managing Director, APCOB




                                                                              49
                       THE ANDHRA PRADESH STATE
                          CO-OPERATIVE BANK LTD.
                                  4-1-441: Troop Bazar :: HYDERABAD 500 001
                           Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                    e.mail: apscob@hd1.vsnl.net.in




2/OPR/L1/07-08                                                     Date: 18.02.2009


The CEOs / General Managers
of the DCC Banks in the State.

Sir,

       Sub:    APCOB – LT Credit – Loaning programme for the year 2008-09 -
               Fixing of eligibility criteria for lending by DCCB to PACS under
               NABARD and NCDC assisted schemes – Requests received from
               DCCBs for relaxation of certain conditions - Certain conditions
               relaxed – Communication of.
       Ref:    1) Our circular Lr. No. APCOB/2/OPR, dt. 16.01.07.
               2) Our circular Lr. No. 2/OPR/L1/07-08, dt. 18.10.07.
               3) Our circular Lr. No. 2/OPR/L1/07-08, dt. 06.11.07.
               4) Our circular Lr. No. 2/OPR/L1/07-08, dt. 20.02.08.
               5) Our circular Lr. No. 2/OPR/L1/07-08, dt. 13.03.08.
               6) Our circular Lr. No. 2/OPR/HF/2007-08, dt. 26.09.08.
                                         ***
     Please refer to our circular letters 1st to 6th cited, wherein certain conditions
were imposed and certain relaxations given to DCCBs for fixing of eligibility criteria
under LT loans for the year 2008-09.

     The subject was again discussed in the Board of Directors Meeting held on
11.02.09 and basing on the discussions, the conditions that the borrower must be
a customer of the Bank / PACS for a period no0t less than 6 months at the time of
sanction / disbursement of LT loans is relaxed.

     We hereby reiterate the conditions which are to be fulfilled after allowing
relaxations.

1. As already communicated vide our circular letter 1st cited, DCCBs should
ensure that the PACS should have a minimum recovery percentage of 50% under
LT for being eligible for securing allotment of LT loaning programme. A certificate
to this effect should be furnished along with the reimbursement claim.

2. In case of Farm Mechanisation and Two Wheeler loans, the borrower should
meet 25% of the cost by way of margin money / down payment including share
capital contribution.

3. in case of Minor Irrigation Loans, if the borrower does not meet 25% of the cost
by way of margin money/down payment including share capital contribution, loans
will be sanctioned subject to the fulfillment of the following conditions:



                                                                                   50
     a) Borrower must be Kisan Credit Card A/C holder and must be operating the
        account regularly.

     b) The electric pumpset financed by the DCCB must have been registered
        with Electricity Dept., i.e., the DCCB should ensure that the service
        connection number is available at the time of release of loan towards the
        purchase of pumpset / electric motor / submersible pumpset as the case
        may be.

     c) The PACS / DCCB should ensure that the asset is insured till the loan
        amount is repaid in full.

8.        There is no ceiling limit for sanction of Long Term Loans by DCCBs for any
          individual application. However, the refinance from APCOB is limited to a
          maximum of Rs. 5.00 lakhs for the loans sanctioned by DCCBs in respect of
          each individual application and the balance amount has to be borne by
          DCCBs out of their own funds.

9.        The DCCBs should ensure that allocation under BBC (bullock & bullock
          carts), SGP (Sheep, Goat & Piggery) and Minor Irrigation should not exceed
          10% of the total allocation under LT loaning for the year 2008-09.

                                                                  Yours faithfully
                                                                        Sd/-
                                                                 Managing Director

                                        // f.b.o //
                                           Sd/-
                                   General Manager
                                  (Loans & Advances)

Copy to :
     1. The Principal Secretary,
        Cooperation & Marketing
        Govt. of A.P., Secretariat, Hyderabad
     2. The Commissioner for Cooperation &
        Registrar of Co-op Societies
        Govt. of A.P., Hyderabad
     3. The Chief General Manager,
        NABARD, AP., Regional office, Hyderabad.
     4.    The Presidents of all DCCBs in the State
     5.    All Chief Gen. Managers/General Managers / DGMs of APCOB
     6.    The Director, APCOB-CTI, Rajendranagar, Hyderabad
     7.    All ADOs / Legal Assistants in the DCCBs
     8.    EA to Managing Director, APCOB / EA to President, APCOB
     9.    Manager-CAC




                                                                                 51
                                  THE ANDHRA PRADESH STATE
                                     CO-OPERATIVE BANK LTD.
                                              4-1-441: Troop Bazar :: HYDERABAD 500 001
                                       Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                                e.mail: apscob@hd1.vsnl.net.in


LT-OPR/Int.rt.cir/F.77/08-09                                                        Date: 26.03.2009


The CEOs / General Managers
    of the DCC Banks in the State.
Sir,
             Sub:     Revision of interest rates of Investment Credit under schematic
                      lending – Reg.
             Ref:     7) APCOB Circular No. LT-Opr/Int.rt.cir/F.77/08-09, dt. 23.02.09.
                      8) NABARD, Mumbai, Cir. No. 37/ICD-13/2009, dt. 18.02.09.
                      9)




                                                     ***
     The NABARD vide its circular letter 2nd cited has revised the rate of interest
on refinance in respect of Investment Credit to 8.50% p.a for all eligible purposes.
      Accordingly it is decided to revise the rate of interest on refinance in respect
of Investment Credit for all eligible purposes. The existing and revised rates of
interest at different levels are as follows :
Sl                                                        Existing Rate               Revised Rate
              Institution
No                                                      Rate       Margin             Rate   Margin
1  APCOB to DCCBs                                      9.50%        0.50%            9.00%    0.50%
2  DCCBs to PACS                                       11.00%       1.50%           10.50%    1.50%
3  PACS to ultimate borrowers                          12.50%       1.50%           12.00%    1.50%
            The revised rates of interest are to be made applicable w.e.f 01.04.2009.
      However, as per Board Resl. No. 13, dated 2.3.09, APCOB will charge
interest @ 9.50% p.a., on the disbursements to the DCCBs from out of the own
funds of APCOB.
       Please acknowledge the receipt of the circular and take necessary action
for implementation of the revised rates as indicated and send claims accordingly.
                                                                                   Yours faithfully
                                                                                       Sd/-
                                                                                 Managing Director
                                              // f.b.o //
                                                 Sd/-
                                     Dy. General Manager (L&A)
Copy to :

       1.    The Commissioner for Cooperation & Registrar of Co-op Societies, Govt. of A.P., Hyderabad
       2.    The Presidents of all DCCBs
       3.    Exe. Asst. to Managing Director.Chairman, APCOB, Hyderabad
       4.    The Director, APCOB-CTI, Rajendranagar, Hyderabad
       5.    ED, Sahakara Saradhi, Barkatpura, Hyderabad
       6.    Internal Audit Cell, APCOB
       7.    All CGMs / GMs / DGMs of APCOB
       8.    IF Department in HO
       9.    Manager, CAC


                                                                                                         52
                          THE ANDHRA PRADESH STATE
                             CO-OPERATIVE BANK LTD.
                                        4-1-441: Troop Bazar :: HYDERABAD 500 001
                             Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                      e.mail: apscob@hd1.vsnl.net.in


9/Opr/NCDC/D2/07-08                                                          Date: 23.09.2008


The General Managers of
    all the DCC Banks in the State.
Sir,
         Sub:     LT loans – Financial Assistance from NCDC for Agricultural and
                  allied activities – Revision of interest rates – Communication of.
         Ref:     1. Our Lr No. 9/Opr/NCDC/D2/06-07, dt. 17.04.07.
                  2. Our Lr No. 9/Opr/NCDC/D2/2007-08, dt. 15.03.08.
                  3. NCDC Lr. No. NCDC:1-1/90-Budt, dt. 03.07.08
                  4. NCDC Lr. No. NCDC:1-1/90-Budt, dt. 12.08.08
                  5. Board Resolution No. 36, dt. 01.09.08.
                  10)




                                                ***
       The NCDC vide its letters 3nd and 4th cited has communicated revised rates
of interest on refinance in respect of Investment Credit from 9.75% to 10.25% w.e.f
27.06.08 and from 10.25% w.e.f 12.08.08 respectively.

       Consequent to the revision of interest rates by NCDC, the Board of Directors
of APCOB at their meeting held on 01.09.08 resolved to revise the rates of interest
on Long Term Credit under NCDC refinance scheme vide reference 5th cited.

       .Further it is also decided to reduce APCOB margin from the existing 0.75%
to 0.50% w.e.f 12.08.08 under NCDC refinance with a view to extend LT (Agrl)
loans to ultimate borrower at a lesser rate.


       The existing rates and revised rates along with margins are as follows:

                                                      Revised / suggestive   Revised / suggestive
                             Existing Rates /
Sl                                                     rates/margins w.e.f    rates/margins w.e.f
            Particulars          Margins
No                                                           27.06.08               12.08.08
                            Int. Rate     Margin      Int. Rate     Margin    Int. Rate    Margin
1      NCDC to APCOB         9.75%          --         10.25%         --       11.25%        --
2      APCOB to DCCBs        10.50%       0.75%       11.00%       0.75%      11.75%      0.50%
3      DCCBs to PACS         11.75%       1.25%       12.25%       1.25%      13.00%     1.25%
4      PACS to ultimate      13.00%       1.25%       13.50%       1.25%      14.25%     1.25%
       borrower




                                                                                              53
     Further, it is also decided that if any DCCB / PACS desires to finance at a
lesser rate than the above suggested rate, they can do so by reducing their margin
and duly placing the subject before their respective Board of Management.

     In this connection, we reiterate that the NCDC rate of interest is a floating
rate and the revised rates of interest are applicable to the entire outstanding
balances at all levels from the date of revision.

     We request you to take necessary action for effecting the above mentioned
revised rates.

       Please acknowledge receipt.
                                                                Yours faithfully
                                                                     Sd/-
                                                               General Manager

                                    // f.b.o //
                                       Sd/-
                          Dy. General Manager (LT-Fin.)

Copy to :
   1. All ADOs of concerned DCCBs
   2. All CGMs / GMs / DGMs of APCOB
   3. Exe. Asst. to President / Managing Director, APCOB
   4. Manager, CAC Section




                                                                               54
                           THE ANDHRA PRADESH STATE
                              CO-OPERATIVE BANK LTD.
                                     4-1-441: Troop Bazar :: HYDERABAD 500 001
                               Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                        e.mail: apscob@hd1.vsnl.net.in


27/OPR/DCCBs/B.VI(2)/07-08                                          Date: 21.11.2008


The General Managers
of all DCC Banks in the State.

Sir,

       Sub:       Scheme for Waiver Penal Interest on overdues of ST, MT and LT
                  Agricultural loans and waiver of IOD on interest component for LT
                  loan for 2008 – Communication of proforma for preferring claims-
                  Reg
       Ref:       Banks Circular No. Opr/Debs/B/VI(2)/2008-09, dt. 14.10.08.
                                         ***
     The DCC Banks were advised through our circular letter cited that APCOB
has re-introduced the Scheme of Waiver of Penal Interest on short, Medium and
Long Term Agricultural loans and waiver of IOD on interest component for LT loan
upto 31.12.2008 in respect of the loan accounts which did not get eligibility under
Agricultural Debt Waiver & Debt Relief (ADW&DR) Scheme, 2008 provided the
overdue loan / loans instalments are fully repaid by that date.

     We are herewith sending the required proforma for claiming APCOB share of
40% for the benefit extended to the ultimate borrower. We request you to send the
claims on penal interest & IOD on interest component waived in the prescribed
proforma, to enable us to take necessary action in the matter.

      Please note that the information in the proforma as at Annexure 1 (a), 2 (a)
and 3 (a) are to be obtained by the DCCB from PACS and retained with the DCCB
for purposes of Audit / Inspection / Verification. The information in the proforma
prescribed as at annexure 1 (b), 2 (b) and 3 (b) are to be furnished by the DCCB to
APCOB.

      The claims are to be signed invariably by the General Manager of the DCCB
with due certification that the relief is extended to the ultimate borrower on or after
14.10.2008 and the loan accounts are not covered under Agricultural Debt Waiver
& Debt Relief (ADW&DR) Scheme, 2008.

   The information/claims should be furnished to APCOB by 31st January, 2009
positively.
                                                         Yours faithfully
                                                              Sd/-
                                                   Dy. Gen. Manager (LT-Fin)
                                   // f.b.o //
                                      Sd/-
                       Asst. General Manager (LT-Fin)

Encl : Proforma



                                                                                    55
                 ANNEXURE – 1 (a)
 Statement No. 1 (a) Overdue loans (SAO/OPP/DTP)
             Waiver of Penal Interest
Name of the PACS :                                       District :
Affiliated to DCCB :                                     Branch :

                                                                (Amt. in Rs.)
                                 Loan           Collections   Collections        Penal
                                        Amt.
     Name of              Loan   Type           of overdue    passed on       Interest
                                          of
Sl      the     Village   A/C    SAO/            ST Loans      to DCCB        Waived
                                        over-
     Borrower              No.   OPP/                                            Amt.
                                         due    Date   Amt    Date    Amt
                                  DTP
.1      2         3        4      5       6      7      8       9     10          11




We certify that the relief is extended on actual repayment of entire overdue
loans is in cash, in full and after 14.10.2008 and the loan accounts are not
covered under Agricultural Debt waiver and Debt Relief (ADW & DR) Scheme
2008 and the entire cash collection is passed on to DCC Bank.




Signature of Secretary of PACS          Signature of Supervisor of DCC Bank




                                                                            56
                    ANNEXURE – 1 (b)
            Statement No. 1 (b) ST overdue loans
          (SAO/OPP/DTP) Waiver of Penal Interest
Name of the PACS :                                          District :
Affiliated to DCCB :                                        Branch :
                                                                   (Amt. in Rs.)
                                                   Amount of overdue ST       Penal
                       Overdue ST loans - SAO /
                                                          loans              Interest
                             OPP / DTP
     Name                                            SAO / OPP / DTP         Waived
            Name
       of
Sl          of the                                        Details
      the
            Branch      No.                                (Ch.
     PACS                     Amount   Collected   Date             Amount   Amount
                        of                                 No. /
                       A/Cs                                 DD
                                                           Nos)
1     2       3         4       5         6         7       8         9        10




We certify that the relief is extended on actual repayment of entire overdue
loans is in cash, in full and after 14.10.2008 and the loan accounts are not
covered under Agricultural Debt waiver and Debt Relief (ADW & DR) Scheme
2008 and the entire cash collection effected as PACS level is passed on to
APCOB through DCC Bank.




                                         Signature of the General Manager




                                                                             57
                 ANNEXURE – 2 (a)
Statement No. 2 (a) MT (Agr) Overdue loans - Waiver
                  of Penal Interest
Name of the PACS :                                                    District :
                              No. of villages covered:
Affiliated to DCCB :                                            Branch :

                                          Collection of     Amount of
                                                                             Penal
                       Overdue MTC          overdue         Collection
     Name                                                                   Interest
                       / RCMT Loans       MTC / RCMT       passed on to
       of                                                                   Waived
Sl          Village                          Loans            DCCB
      the
                        No.
     PACS                      Amount    Date   Amount    Date   Amount     Amount
                        of
                       A/Cs
1     2        3        4         5        6       7        8        9         10




We certify that the relief is extended on actual repayment of entire overdue
loans is in cash, in full and after 14.10.2008 and the loan accounts are not
covered under Agricultural Debt waiver and Debt Relief (ADW & DR) Scheme
2008 and the entire cash collection is passed on to DCC Bank.




Signature of Secretary of PACS                  Signature of Supervisor of DCC Bank




                                                                                   58
                  ANNEXURE – 2 (B)
     Statement No. 2 (a) MT / RCMT Overdue loans -
               Waiver of Penal Interest
Name of the District covered :
No. of villages covered :
Name of the DCCB :
                                                                    (Amt. in Rs.)
     Name of     Overdue                                                 Penal
                MTC/RCMT           Amount of MTC/RCMT overdue           Interest
       the
      PACS        loans                       loans                     Waived
Sl   covered                                        Details
                No.
      under           Amount     Collected   Date   of Ch.    Amount    Amount
                of
       the                                           No. /
               A/Cs
     Scheme                                         DD No.
1       2       3           4       5         6       7         8           9




We certify that the relief is extended on actual repayment of entire overdue
loans is in cash, in full and after 14.10.2008 and the loan accounts are not
covered under Agricultural Debt waiver and Debt Relief (ADW & DR) Scheme
2008 and the entire cash collection effected as PACS level is passed on to
APCOB through DCC Bank.



                                        Signature of the General Manager




                                                                                59
                          THE ANDHRA PRADESH STATE
                             CO-OPERATIVE BANK LTD.
                                    4-1-441: Troop Bazar :: HYDERABAD 500 001
                              Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                       e.mail: apscob@hd1.vsnl.net.in


27/LT-OPR/DCCBs/B.VI(2)/07-08                                      Date: 25.02.2009



The CEOs / General Managers of
    All District Co-op Central Banks.

Sir,

       Sub Providing of relief to the borrowers of Agrl. Loans – Waiver of Penal
           Interest on overdues of Short, Medium and Long Term Agriculture Loans
           and Waiver of IoD on Interest Component for LT loans for 2008 – Scheme
           extended upto 30.06.09 – Communication of.
       Ref 1. Bank’s Cir Lr. No. OPR/Debs/B.VI(2)/2008-09, dt. 14.10.08.
           2. Bank’s Lr. No. 27/OPR/DCCBs/B.VI(2)/07-08, dt. 21.11.08.
           3. Resl. Of the Board Meeting of APCOB, dt. 11.02.09.
                                        --oOo--
     Please refer to the letter 1st cited, wherein APCOB reintroduced the
scheme of waiver of Penal Interest on Short, Medium and Long Term
Agricultural Loans and Waiver of IoD on Interest Component of LT loans upto
31.12.2008 in respect of the loan accounts which did not get eligibility under
Agricultural Debt Waiver and Debt Relief (ADW&DR) Scheme – 2008 provided
the overdue loan / loans instalments are fully repaid by that date.

       Basing on the requests received from some of the DCCBs, the Board of
Directors of APCOB vide Resolution 3rd cited, resolved to extend the Scheme of
Waiver of Penal Interest on overdues of ST, MT and LT loans and Waiver of IOD
on Interest Component of LT loans which are not eligible under ADW&DRS
Scheme 2008 to all the DCCBs upto 30.06.2009.

       Hence, you are requested to implement the above scheme successfully
by giving wide publicity among the borrowers and submit the claims to APCOB
by 31.07.2009 positively. The claims pertaining to the period upto 31.12.2008
should be submitted immediately.

       Please acknowledge the receipt.
                                                               Yours faitjhfully
                                                                      Sd/-
                                                           Dy. Gen. Manager (L&A)
Copy to:
   1. All CGMs of APCOB
   2. All GMs of APCOB
   3. Direcor, CTI, Rajendranagar, Hyderabad
   4. All DGMs/Nodal Officers of APCOB
   5. EA to Managing Director.


                                                                                 60
             APCOB’S PRESIDENT, VICE-PRESIDENT,
           MANAGING DIRECTOR AND SENIOR OFFICERS

     Sl.           Name              Designation          Off. Ph.
     No.   S/Sri/Smt
      1    Vasanta Nageswara Rao   President             23443811

      2    Y Vijayender Reddy      Vice-President        23443897
      3    T S Appa Rao, IAS       Managing              23443822
                                   Director              23443878
      4    B K Swamy               CGM (Vig, Legal,      23443800
                                   Bd. Sect, Projects,
                                   and Appellate
                                   Authority (RIA)
      5    M S Rama Rao            CGM (Banking)         23443877
      6    D Ramesh Sinha          GM (L&A, IF)          23443866

      7    K Nagamalleswara Rao    GM (P&D, IDD, PR,     23443888
                                   Restg. & Premises)
      8    M Jayalakshmi           GM (CMI & AD)         23443814
      9    V Giridhar              GM (HRD & IT)         23443827
      10   R Shanthi               DGM (Vig, Legal,      Ext. 252
                                   PIO-RI Act
      11   V Satyavathi            DGM (Long
                                   leave)
      12   J Narayana              DGM (Admn,            Ext. 218
                                   Payments)
      13   K V Phani               DGM (L&A, IF,         Ext. 213
                                   Projects)
      14   K Kameswara Rao         DGM (Recovery)        Ext. 255
      15   V Sudha                 DGM (CMI & AD)        Ext. 269
      16   K Jayasree              DGM(CMI & AD)         Ext. 266
      17   C Mohan Reddy           DGM (IT)              23443838
      18   S Srinivasa Rao         DGM (Premises)        23443845
      19   Heeralal                DGM (Banking)         23443889
      20   T Jyothi                DGM (P&D)             Ext. 249
      21   R Latha                 DGM (LT Opr. & Ext.272
                                   Projects


OFFICE PHONE Nos.
     040 – 23443818-21
     040 – 23443890-93




                                                                     61
        THE ANDHRA PRADESH STATE COOPERATIVE BANK LIMITED
                TROOP BAZAR :: HYDERABAD - 500 001

              APCOB BRANCHES’ TIMINGS & PHONE NUMBERS

 Sl.     Name of the      Working Hours        Phone      Name of the BM
 No         branch                               No.    Sri/Smt.
  1    Vidyanagar        9:00 AM - 4:00 PM   23443835   B V Shivasankaram
  2    Malakpet          9:00 AM - 4:00 PM   23443882   A Nageswari
  3    Narayanaguda      9:30 AM - 4:30 PM   23443883   V Jagan Mohan Rao
  4    Secunderabad      10:30 AM -5:30 PM   23443834   K Seshukumar
  5    Vidyuthsoudha     10:30 AM -5:30 PM   23441232   M Bipin Chandra Paul
  6    Tirupati          10:00 AM -5:00 PM     (0877)   P V Ramana
                                              2222428
  7    Saidabad Colony   8:30 AM - 3:30 PM   23443839   M Srikrishna Murthy
  8    Boudhanagar       9:00 AM - 4:00 PM   23443884   B Mar Reddy
  9    Himayathnagar     10:00 AM -5:00 PM   23441212   S. Srinivasa Rao
 10    Tarnaka           9:00 AM - 4:00 PM   23443885   K Gopalkishan Rao
 11    Tarnaka Extn.     9:00 AM - 4:00 PM   23443881   M Bala Raju
 12    Kamalanagar       8:00 AM - 3:00 PM   23443837   T D Ratna Chari
 13    Masab Tank        10:00 AM -5:00 PM   23441242   G Eswara Rao
 14    Dilsukhnagar      9:00 AM - 4:00 PM   23443836   K Subba Rao
 15    Charminar         10:30 AM -5:30 PM   23443832   PVVNS Hanumantha
                                                        Rao
 16    Baghlingampally   9:30 AM - 4:30 PM   23443886   M Jayalakshmi
 17    Lothukunta        9:00 AM - 4:00 PM   27745527   M. Krupavaram
 18    Vengalraonagar    9:00 AM - 4:00 PM   23441252   D B S Prasad
 19    Ameerpet          9:30 AM - 4:30 PM   23441262   Y Tata Rao
 20    Alwal             9:00 AM - 4:00 PM   23443887   T Ravindra Kumar
 21    Moula-Ali         9:30 AM - 4:30 PM   23443843   S Siddeswara Rao
 22    Champapet         9:00 AM - 4:00 PM   23443831   VV Ramana Murthy
 23    Jubilee Hills     9:00 AM - 4:00 PM   23441272   K Krishna Kumar
 24    Maruthinagar      8:30 AM - 3:30 PM   23443803   R Sudhakar Reddy
 25    Vijayawada        10:00 AM -5:00 PM     (0866)   J Murali
                                              2579523
 26    Head Office Br.   10:30 AM -5:30 PM   23443818   K Ramakrishna
                                                 -21    AGM (Bkg. Opr)
                                             23443824

Weekly holiday on Monday for Saidabad Branch.
Weekly holiday on Tuesday for Vengalrao Nagar & Kamala Nagar Branches.




                                                                         62
                     THE ANDHRA PRADESH STATE
                        CO-OPERATIVE BANK LTD.
                               4-1-441: Troop Bazar :: HYDERABAD 500 001
                         Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                  e.mail: apscob@hd1.vsnl.net.in



IF/I-2/Legal/                                               Date: 06.08.2002



      PROCEEDINGS OF THE MANAGING DIRECTOR OF THE BANK

                          Present : J.P. Murthy, I.A.S.,
                                     Managing Director
                                    ========

      In exercise of powers conferred on the Managing Director under Bye-law
No. 33 (b) (iv) of the bye laws of the Andhra Pradesh State Cooperative Bank
Ltd., and with the previous approval of the Committee of PIC of the Bank, vide
their Resolution No. 46, dated 23.07.2002, the Managing Director hereby
authorizes the various officers of the Bank to do the following:

 The General Managers concerned or the Chief General Manager in charge of
  Legal Department are hereby authorized to institute Suits / Writ Petitions or
  defending in legal proceedings and for executing the Plaint, Written
  Statement, Affidavits, Vakalatnama etc., in the Courts of High Court,
  Supreme Court, Tribunals etc.

 The Officers in the rank of Managers working in different departments at
  Head Office or the Branch Managers, as the case may be, are hereby
  authorized to file criminal complaints in the MM courts concerned under
  Section 138 of NI Act. Etc.

 The Dy. General Managers concerned shall continue to take action as
  already authorized with regard to recovery of overdue loans.

    The above orders shall come into force with immediate effect and will remain
in force until further orders.
     .

                                                                  Sd/-
                                                           MANAGING DIRECTOR




                                  // true copy //



                                                                               63
                           THE ANDHRA PRADESH STATE
                              CO-OPERATIVE BANK LTD.
                                4-1-441: Troop Bazar :: HYDERABAD 500 001
                                  Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                          e.mail: apscob@hd1.vsnl.net.in


No. Estt./Del.powers/02-03                                                              24th May, 2002


     Proceedings of the Managing Director, A.P. State Cooperative
           Bank Ltd., & Member Secretary, Cadre Authority

               Present:   Sri J.P. MURTY, I.A.S.,
                          Managing Director, APCOB &
                          Member Secretary, Cadre Authority.
                          _____________________________ ____________________________________




      Sub: Delegation of powers in APCOB and Cadre – Ordered.

                                              ****

      By virtue of the powers conferred in me vide resolution No.73 of the

PIC committee meeting of APCOB held on 02-5-2002 and in partial

modification of earlier orders issued in this regard, and also in pursuance of

the resolution of the Cadre Committee in the meeting held on 24-4-02, the

following delegation of powers of Managing Director and MD/Member

Secretary, Cadre Authority are ordered.


1.     Sanctions/approvals relating to all purchases, contract services,

       AMCs, bills etc., subject to availability of budget provision, are

       delegated to a senior officers group consisting of GM(HRD) and the

       two CGMs of the Bank. The Needs and Purchase Committees

       envisaged in earlier circular dated 02-8-2000 are hereby dispensed

       with.




                                                                                                     64
2.    All sanctions relating to contingent expenses. T.A., D.A., sitting fee to
      Directors for Board, Sub Committees, Cadre and other meetings are
      delegated to CGM-II.

3.    All   types   of   financial   and   administrative   sanctions/approvals/
      permissions in and/or relating to all service matters of staff up to the
      cadre of DGMs at APCOB/Cadre are delegated to GM (HRD).

4.    All transfers and postings in the cadres of Manager to Cadre Officer in
      APCOB, including Zonal Offices and CTI are delegated to a Transfer
      Board consisting of GM (HRD) and the two CGMs. Transfers and
      postings as GMs and DGMs in CCBs and deputation of Officers to
      other institutions shall be referred to the MD with suitable
      recommendations of the Transfer Board. Transfer and postings up to
      the Cadre of Staff Asst. shall be done by the GM (HRD).

5.    Settlement of terminal benefits up to the cadre of DGMs will be made
      by the General Manager (HRD) with the prior clearance of Chief
      Vigilance Officer (CVO).

6.    All administrative and financial sanctions/permissions in respect of
      General Managers shall be made by CGM-II.

7.    All agreements, contracts etc. to be made on behalf of the bank shall
      be executed by GM of the concerned Department subject to such prior
      approval as required.

8.    All credit limits and allocation of loaning programme under various
      purposes not involving owned funds of APCOB shall be sanctioned by
      GM (L&A) along with GM(Bkg.) and CGM-II.

9.    All sanctions pertaining to Banking Deptt. and I.F. shall be done by a

      group consisting of GM (Bkg.) and the two CGMs.


10.   All subscriptions and fees to be remitted to external institutions shall
      be sanctioned by a group consisting of GM(IDD) and the two CGMs.


                                                                             65
11.        All matters relating to financial sanctions in respect of CTI shall be
           done by CGM-II.

12.        The delegation of powers to various levels of officers in vogue earlier,
           other than those modified above, shall continue.

      These orders will come into force with immediate effect.


                                                 Sd/-
                                    MANAGING DIRECTOR, APCOB &
                                  MEMBER SECRETARY, CADRE AUTHORITY

To

All the CGMs and GMs.

Copy to:

      1.   Peshis of Chairman and M.D.
      2.   Director, APCOB CTI, Hyderabad.
      3.   All Zonal Managers.
      4.   JR/AO, APCOB.
      5.   All DGMs and AGMs.




                                                                                66
                            THE ANDHRA PRADESH STATE
                               CO-OPERATIVE BANK LTD.
                               4-1-441: Troop Bazar :: HYDERABAD 500 001
                                 Ph.: 23443818 to 23443821 // 23443890 to 23443893
                                                         e.mail: apscob@hd1.vsnl.net.in



No. Estt./Del.powers/2006                                      Date: 12.04.2003




     Proceedings of the Managing Director, A.P. State Cooperative
           Bank Ltd., & Member Secretary, Cadre Authority


            Present : Sri D.CHAKRAPANI, I.A.S.,
            _________________________________


      Sub: Delegation of powers in APCOB and Cadre –
           Reconstitution of Senior Officers Group – Reg.

      Ref: Read:
           1. Office Order No.F.163/1692, dt.02.08.2000.
            2. Proceedings No.Est./Del.Powers/02-03, dt.24.05.2002
               of the Managing Director, APCOB/MS, Cadre Authority.

                                      ***

1)    In the Office Order first cited under reference, certain changes to the

delegation of powers as pre-existing were made.              Further, through the

proceedings second cited, certain further delegation of powers of Managing

Director, APCOB/Member Secretary, Cadre Authority were ordered.



2)    In furtherance to the above, the following officers are constituted as the

Senior Officers Group to exercise the powers envisaged in the proceedings

second cited.




                                                                                   67
        1. General Manager (DoS)

        2. General Manager (L&A)

        3. General Manager (HRD)



3)      All administrative and financial sanctions/permissions in respect of

General Managers and above cadres in APCOB shall, however, be put up to

the Managing Director.



4)      The delegation given in respect of transfers and postings in the

proceedings second cited i.e., in respect of Managers and above cadres in

APCOB as also the General Managers & Deputy General Managers in

DCCBs and the deputation of officers to other institutions shall rest with the

Managing Director/Member Secretary and the Transfer Board is dispensed

with.



5)      The sanctions relating to contingent expenses. T.A., D.A., sitting fee to

Directors of the Board/Sub-Committees/Cadre Committee and in respect of

other meetings stand delegated to the General Manager (HRD).



6)      The settlement of terminal benefits of staff in APCOB will be made by

the General Manager (HRD) with vigilance department’s clearance.




                                                                              68
7)    Credit limits sanction and allocation of loaning programmes under

various purposes shall be referred to the Managing Director. Similarly, all

sanctions pertaining to Banking & IF Departments other than those delegated

to different levels of officers earlier shall be referred to the Managing Director.




8)    All sanctions relating to subscriptions and fees to be remitted to

external institutions as also the financial sanctions in respect of CTI (over and

above those delegated to the different levels of Officers/Director, CTI earlier)

shall be done by the Senior Officers Group.




9)    It is further clarified that the delegation of powers accorded in the

proceedings second cited and as modified in these proceedings are over and

above those delegated to various functionaries in the office order first cited,

which shall stand.



10)   It is further ordered that the system of pre-sanction scrutiny of

expenditure by Dept. of Supervision shall be dispensed with and the

respective General Managers & Deputy General Managers of the

departments concerned shall ensure that the proper systems and procedures

are followed in the matter of incurring expenditure. However, the clearance

of Budget Control Section before processing, for sanction, the items under



                                                                                69
the Establishment and contingencies (other than those relating to salaries

and allowances) shall be obtained.


     These orders will come into force with immediate effect.



                                               Sd/-
                                  MANAGING DIRECTOR, APCOB &
                                MEMBER SECRETARY, CADRE AUTHORITY


To
     1. The General Manager (DoS).
     2. The General Manager (L&A).
     3. The General Manager (HRD).

Copy to:
   Peshies of Chairman and M.D.
   Peshi of CGM-I.
   All DGMs at H.O.
   Director, CTI.
   JR/Auditor, APCOB.




                                                                       70
                             THE ANDHRA PRADESH STATE
                                 CO-OPERATIVE BANK LTD.
                                  4-1-441: Troop Bazar :: HYDERABAD 500 001
                                   Ph.: 23443818 to 23443821 // 23443890 to 23443898
                                                           e.mail: apscob@hd1.vsnl.net.in

Est/F.163/1692                                                           Dt: 02.08.2000

                                    OFFICE ORDER

    Sub:     Authorization of Officers of the Bank as per Bye-law No. 33 (5) of the
             Bank to facilitate day-to-day operations with a view to enhance functional
             efficiency – Reg.
                                           ***
       In terms of the Bank’s Bye-laws, the Managing Director is vested with certain
financial and administrative powers to exercise general control over the day-to-day
operations as the Chief Executive Officer, keeping in view the level of activities and the
volume of work prevailing at the time of framing of bye-laws. According to Bye-law No.
33 (5) the Managing Director shall determine the powers duties and responsibilities and
is authorized to delegate some of his powers for reducing the burden and to ensure
quick disposal of routine matters. In the present state of affairs, the Managing Director
is severely overburdened with the increasing work and hence experiencing difficulty to
concentrate on key areas and exercise control on crucial matters.


       The Bank has employed a study team headed by Sri B. Yerram Raju, Consultant,
to study and recommend the work norms applicable for APCOB, its branches and DCCBs
and their branches. Based on the recommendations of the said committee and with a
view to facilitate operational convenience and enhance functional efficiency, it has been
considered appropriate to delegate some of the powers to the officers of the Bank as
indicated in the Annexure. The concerned Officers shall exercise the delegated powers
with utmost caution / prudence.


       Each department will have a Needs committee headed by the CGM and
comprising of concerned GMs, DGMs as members. The DGM concerned will be the
Convener of the committee.        This Needs committee shall identify the purchaser
requirements of the department and forward the same to the Purchase committee
through the DGM of the department. In the case of branches, the Br. Manager has to
indent the requirements to the AGM (Bkg) who in turn will forward the Needs
committee through DGM (Bkg) along with his / her recommendation.                 Under no
circumstances purchases shall be made by any individual officer/Department/Branch
except to the extent specifically authorized.


                                                                                        71
         In order to identify the needs and estimate the probable expenditure associated
with each purchase, Junior Purchase committee is constituted with the following officers
for finalizing the purchases of items upto Rs. 1.00 lakh headed by General Manager
(P&A):


   1.    General Manager (P&A)
   2.    Dy. General Manager (Premises)
   3.    Asst. General Manager (Premises)
   4.    Dy. General Manager of the concerned department – Convener.


   The Dy. General Manager (Premises) will indicate specifications regarding calling of
tenders for purchase. Competitive tendering be followed in all cases where the value
exceeds Rs. 25,000/-.


   Similarly there will be a Senior Purchase Committee for purchases over and above
Rs. 1.00 lakh with the following officers headed by Chief General Manager (Admn):

         1.   Chief General Manager (P&A)
         2.   General Manager (P&A)
         3.   General Manager of the concerned department – Convenor
         4.   Dy. General Manager (Premises)

         The General Manager (P&A) will indicate specifications regarding calling of
tenders for purchases. The tendering procedure indicated earlier be followed in this
case also.


         In respect of purchases pertaining to Banking division, similar purchase
committees with the following composition will function and follow the above procedure.

         Sl    Junior Purchase Committee       Senior Purchase Committee
         1     General Manager (Bkg)           Chief General Manager (Bkg)
         2     Dy. General Manager (Bkg)       General Manager (Bkg)
         3     Asst. General Manager (Bkg)     Dy. General Manager (Bkg)

         The above Purchase Committee shall periodically meet to take purchase
decisions and also to review the purchases made in pursuance to the decisions taken
earlier. The proceedings shall be recorded in detail in a Register maintained for the
purpose and a consolidated monthly report has to be submitted to the Managing
Director by 10th of the succeeding month. In respect of purchase decisions regarding
Civil / wood works, the Dy. Exe. Engineer will be the special invitee.



                                                                                     72
        In order to enforce financial discipline and with a view to have general control
over the expenditure being incurred by the Bank, the DGM (DOS) will be assigned the
duties of ‘Financial Comptroller’.     He shall ensure pre-sanction scrutiny of all the
expenditure items. He must ensure that the purchases are approved by the Needs
Committee, Purchase Committee and sanctioned by Competent Authority.                    The
availability of budget is also a pre-requisite.


        The present arrangements regarding the sanction / disbursements of other
aspects viz., Salaries, OT wages, Encashment, Leaves, Staff Loan etc., will continue.


        These orders shall supercede all the orders issued earlier on the same items of
expenditure and come into force with immediate effect.


                                                                     Sd/--
                                                               Managing Director
To :
    -   The Chief General Managers
    -   The General Managers
    -   All DGMs & AGMs
    -   All Branch Managers
Copy for information to :
   -   Peshi to Chairman




                                                                                        73
            Activity
                                              C.G.M        G.M         D.G.M       A.G.M        B.M
Group-II : SUITS & LEGAL FEES :
a) To institute or defend legal              10 lacs    5 lacs     2.5 lacs    1.00 lac    0.10 lac
proceedings where suit amount
does not exceed

b) payment of Legal Fees                     20000      15000      10000       1000        500

Group-III : TRAVELING &
MEDICAL EXPENSES :

c) Traveling allowance, daily                Full for   Full for   Full for    Full for    --
allowance and LTC                            GMs        DGMs       AGMs        BMs &
                                                                               below
d) Payment of Medical expenses               Full for   Full for   500 for     2000 for    --
as per agreements with the                   GMs &      DGMs &     AGMs &      BMs &
Associations/Unions from time to             below      below      below       below
time

Group-IV : i) Sundry purchase of             Full       Full       10000       1000        500
stationery (incl. printing of forms at
any one instance)

ii) Books & Newspaper per                    Full       Full       1000        500         250
annum per dept/office

iii) Charges not enumerated                  Full       5000       2000        1000        500
above

a) Entertainment expenses                    10000      5000       -           -           -

Group-V : Advertisement (with the            50000      10000      -           -           -
annual budget)

Group-VI : i) Sub-staff clothing             Full       50000      20000       -           -

ii) Disposal of assets of deceased           Full       1.00 lac   50000       10000       5000
without legal representation
(value of assets)

Group-VII : Repairs to buildings /           30000      25000      10000       2500        100
vehicles / office equipment /
furniture / sanitary / electrical fittings

Group-VIII : Arrangement for                 25000      20000      5000        1000        100
meetings / conferences



Each delegate has to ensure that the items purchased are within the
budgetary sanctions to be obtained at the beginning of the year. He / she
has to ensure that competitive quotations / Tenders are obtained in sealed
covers by observing the usual prudent formalities before selecting the
supplier



                                                                                                74
                                           ANNEXURE

                                    DELEGATION OF POWERS
                                                              (As recommended by Study Team)
            Activity
         Group-I :
Sl                                C.G.M            G.M               D.G.M           A.G.M          B.M
         CAPITAL
     EXPENDITURE
1    Land & Buildings      Leasing in upto    Leasing in        Leasing in      --           Authorized
     – Lease,              a monthly rental   upto Rs.          upto Rs.                     to release
     Purchase and          of Rs. 50,000/-    25,000/- PM       10,000/- PM                  monthly
     Sale                  PM                                                                rents as per
                                                                                             lease
                                                                                             agreements
2    Furniture &           Upto Rs. 0.50      Rs. 0.25 lacs     Rs. 0.10
     Fixtures              lacs                                 lacs


3    Structural,           Upto Rs. 1.00      Rs. 0.50 lacs     Rs. 0.25        Rs. 0.10     Rs. 0. 05
     additions /           lacs                                 lacs            lacs         lacs
     alterations to
     Bank premises


4    Furniture (incl.      Upto Rs. 2.00      Rs. 1.00 lac      Rs. 0.25        Rs. 0.10     Rs. 0. 05
     office equipment)     lacs                                 lacs            lacs         lacs


5    Electrical fittings   Upto Rs. 0.50      Rs. 0.25 lacs     Rs. 0.10        Rs. 0.05     Rs. 0.25
                           lacs                                 lacs            lacs         lacs
6    Annual                Upto Rs. 1.00      Rs. 0.50 lac      Rs. 0.30 lacs

     maintenance           lacs               pa                pa
     equipment




                                                                                              75
                                  TRANSFERS




                  CADRE                             TRANSFERRING AUTHORITY


Managers                                     C.G.M (P&A)


Staff Asst., Stenos, Typists, Jr. Staff      General Manager (P&A)


Assts.


Sub-staff                                    Dy. General Manager (P&A)




        Subject to transfer policy and guidelines framed from time to time




                                                                              76
      THE ANDHRA PRADESH STATE COOPERATIVE BANK LTD
            TROOP BAZAR :: HYDERABAD - 500 001
                            ***

List of General Body Members of the Bank as on 25.7.2009
Sl.                                            Representing
No    Name                                     DCCBank/Govt.
      Sarvasri,
1.    Vasanta Nageswara Rao                    Krishna
      President, APCOB.

2.    Yedavelli Vijayender Reddy               Nalgonda
      Vice-President, APCOB

3.    S.V. Ramana Rao                          Srikakulam

4.    Marisarla Simhachalam Naidu              Vizianagaram

5.    Balireddy Satya Rao                      Visakhapatnam

6.    Sirangu Kukkuteswara Rao                 Kakinada

7.    Karatam Rambabu                          Eluru

8.    Nallapati Siva Rama Chandrasekhara Rao   Guntur

9.    Medarametla Sankara Reddy                Prakasam

10.   Vakati Narayana Reddy                    Nellore

11.   Amasa Rajasekhar Reddy                   Chittoor

12.   Kollam Brahmananda Reddy                 Kadapa

13.   T. Kona Reddy                            Anantapur

14.   Katha Anki Reddy                         Kurnool

15.   M. Dhamodar Reddy                        Adilabad

16.   G. Chinna Reddy                          Warangal

17.   Konduri Ravinder Rao                     Karimnagar

18.   Talluri Satya Prasad                     Khammam

19.   A (Edla) Raja Reddy                      Nizamabad

20.   M. Jaipal Reddy                          Medak




                                                               77
21.   B. K. Raghava Reddy         Hyderabad

22.   K. Veera Reddy              Mahabubnagar

23.   Garudayagari Pedda Reddy    Govt.    Nominee/
                                  Progressive Farmer

24.   T. Satyanarayana Rao, IAS   Govt. Nominee
      Secretary to Govt.,
      Finance (R&E) Dept.

25.   D.R. Garg, IAS              CC & RCS




                                                  78
         THE ANDHRA PRADESH STATE COOPERATIVE BANK LTD
               TROOP BAZAR :: HYDERABAD - 500 001
                               ***
               List of Members of Board of Management
                       of the Bank as on 25.07.09
Sl.                                           Representing
No       Name                                 DCCBank/Govt.
         Sarvasri
1        Vasanta Nageswara Rao                Krishna
         President, APCOB.
2        Yedavelli Vijayender Reddy           Nalgonda
         Vice-President, APCOB
    3    Marisarla Simhachalam Naidu          Vizianagaram

    4    Sirangu Kukkuteswara Rao             Kakinada

    5    Nallapati Siva Rama Chandrashekar    Guntur
         Rao
    6    Vakati Narayana Reddy                Nellore

    7    Kollam Brahmananda Reddy             Kadapa

    8    Katha Anki Reddy                     Kurnool

    9    G. Chinna Reddy                      Warangal

    10   Talluri Satya Prasad                 Khammam

    11   M. Jaipal Reddy                      Medak

    12   D.R. Garg, IAS                       CC & RCS

    13   T. Satyanarayana Rao, IAS            Govt. Nominee
         Secretary to Govt.
         Finance(R&E) Dept.

    14   Sri Garudayagari Pedda Reddy         Govt. Nominee

    15   K.V. Raghavulu                       CGM, NABARD RO

    16   B. Seetha Rama Rao,                  Director/Expert
         Chartered Accountant

    17   Dr. Kethinedi Hanumanth Rao,         Director/Expert
                                              (Agriculture)
    18   K. Subhash Chander Reddy             Director/Expert
                                              (Banking)
    19   T.S. Appa Rao, IAS                   MD, APCOB


                                                                79
Audit Committee of the Bank:


Reconstituted vide Board Resolution No.14, dt.16.7.2008 with the

following members:-


  1)    President, Guntur DCCBank

  2)    President, Kadapa DCCBank

  3)    President, Khammam DCCBank

  4)    President, Medak DCCBank

  5)    Sri B. Seetharama Rao, Chartered Accountant/Subject
        Expert.




                                                              80
                                        ANNEXURE

                                          Sanction of                  Sanction of
Sl       Budgetary Item            Competent                   Competent
                                    Authority                   Authority
 1                2                      3              4            5               6
I    Personnel &
a)   Pay & allowances to          --            --            DGM & AGM        --
     Bank staff including daily                               jointly in P &
     consolidated wages,                                      A Dept.
     Govt. staff, contract
     services
b)   Payment of OT wages to       --            --            DGM              --
     staff
c)   Yearly Medical allowance     --            --            G.M (P&A)        --
     to staff
d)   All loans to staff:
     - upto DGM                   --            --            G.M (P&A)        --
     - to Gen. Manager            --            --            M.D              --
e)   Livery to Attenders          --            --            G.M (P&A)        --
f)   EPF & IDLI in section        --            --            DGM (P&A)        --
     charges
g)   IDLI premium,                --            --            -- do --         --
h)   Labour welfare fund          --            --            -- do --         --
i)   Petrol bills / monthly       --            --            -- do --         --
     conveyance to staff
j)   Newspaper bills of staff     --            --            -- do --         --
k)   Entertainment allowance      --            --            -- do --         --
     to Award staff
l)   Staff medical
     expenditure /
     reimbursement:
     Claim of staff upto          MD            --            GM (P&D)         --
     Manager / JO
     Claims of AGM, DGM, GM       MD            --            MD               --
m)   Salary advance to Govt.      DGM (P&A)     --            --               --
     staff
n)   Salary advance on            -- do --      --            --               --
     transfer / LTC to staff
o)                                Concerned     --            Concerned        --
                                  AGM in P&A                  AGM in P&A
p)         TA/DA of Directors     DGM (P&A)     --            MD               --
q)   Sanction of TA Bills
     - upto Manager / JO          --            --            DGM (P&D)        --
     - AGM, DGM except            --            --            GM (P&A)         --
       under cadre section
     - Gen. Manager               --            --            M.D              --
r)   Sanction of LFC &
     Advance
     - upto Manager / JO          Concerned     80% of        DGM (P&D)
                                  DGM (P&D)     estimated
                                                expenditure
     - AGM, DGM except            GM (P&A)      -- do --      GM (P&A)
       under cadre section
     - Gen. Manager               MD            -- do --      M.D




                                                                                         81
II    PREMISES
a)    Repairs & maintenance           DGM         --   Manager                      100/-
      of bldgs, vehicles, office      concerned        AGM
      equipment and furniture,                            Concerned               2,500/-
      sanitary & all electrical &                      DGM “”                    10,000/-
      machinery                                        G.M    “”                 25,000/-
                                                       M.D                 above 25,000/-

b)    Recurring expenditure           --          --   AGM            --
      like Tel. bills, Elec. Bills,                    concerned
      municipal & property
      taxes, Bldg. / vehicles,
      Insurance, service
      contracts, petrol, oil bills

c)    Reception, protocol             DG--M            Manager                      100/-
      activities, entertainment,      concerned        AGM
      arrangements for                                    Concerned               1,000/-
      meetings, conferences,                           DGM “”                     5,000/-
      refreshments etc.                                G.M    “”                 20,000/-
                                                       M.D                 above 20,000/-

d)    Gifts                           DGM / AGM   --   M.D            --
                                      concerned

e)    Travel arrangements             DGM         --   DGM            --
                                      concerned        concerned

f)    Office newspapers               --          --   -- do --       --

III   LEGAL
      Retainer fee, legal fee to      --          --   AGM            Upto       1,000/-
      advocates / SLC suits,                           concerned
      arbitration etc., legal fee                      DGM
      for opinions etc                                 concerned                  2,500/-
                                                       GM
                                                       concerned                  5,000/-

IV    P&D
      Advertisement and               DGM / AGM   --   MD                              --
      publicity                       concerned


V     BANKING DEPT.
      Stationary and printing         DGM         --   Manager                      100/-
                                      concerned        AGM
                                                          Concerned               2,500/-
                                                       DGM “”                    10,000/-
                                                       G.M    “”                 25,000/-
                                                       M.D                 above 25,000/-




                                                                                  82
VI   GENERAL
a)   Approval of tour
     programme and
     sanction of tour
     advances :

     Upto Manager / JO      DGM         --   --          --
                            concerned
     A.G.M / D.G.M          GM          --   --          --
                            concerned
     General Manager        M.D         --   --          --
b)   Sanction of local      --          --   DGM / AGM   --
     conveyance on office                    concerned
     work




                                                    SD/--
                                              MANAGING DIRECTOR




                                                              83

				
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