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Right to Information Act 2005

VIEWS: 12 PAGES: 11

									THE RIGHT TO INFORMATION ACT, 2005


STATE BANK OF TRAVANCORE                                  PUBLISH           THE          FOLLOWING
INFORMATION UNDER THE ABOVE ACT


ORGANISATION

State Bank of Travancore (SBT) was originally established as Travancore Bank
Ltd. in 1945 sponsored by the erstwhile Princely State of Travancore. The Bank
has been made an associate of the State Bank of India under a special statute
of the Indian Parliament namely State Bank of India (Subsidiary Banks) Act,
1959 it has been made a member of the State Bank Group, the largest banking
group in India.

                                     BOARD OF DIRECTORS


                                     MANAGING DIRECTOR


                                  CHIEF GENERAL MANAGER

                                                             BPR
                                                             OPD



GENERAL            GENERAL           GENERAL         GENERAL             GENERAL           GENERAL
MANAGER            MANAGER           MANAGER         MANAGER             MANAGER           MANAGER
(OPERATIONS)       (C&I AND IB)      (VIG. & INSP)   (TREASURY)          (TECHNOLOGY)      (P&D)
5 Zones            Depts.            Depts.          Depts.              Depts.            Depts.
                   Credit Dept.      Insp. Dept.     FOREX               ARMD              HRD
Depts.             CITEX             Vigilance       Domestic treasury   CPP               STC
Pers.Admn.         Global Money      Compliance      Credit Audit        MIS               Planning
IR                    Exchange       Frauds          F&A                 Marketing         D&RB
Law                Ind Rehab.                        Shares & Bonds      Cross Selling     CSB
BOD                C&I                               SSBGT               BPR               Security
GM(O) Sectt        IB                                Pension, PF etc.                      S&P
Disc.Proceedings   Merchant Bankg.                   Central Acts.                         P&SB
Complaints                                           Govt. Accounts                        NRI
SC/ST/MC/                                            Link Cell                             Stationery
   Ex.Ser Cell                                       OAD                                   Premises
                                                                                           PRD
                                                                                           Sports
                                                                                           OLD
                                                                                           ALM
                                                                                           Risk
                                                                                             Management
                                       2




REGD. OFFICE/HEAD OFFICE AT:

State Bank of Travancore
Head office
Poojapura
Trivandrum 695012 Kerala India

ZONAL OFFICES


                                 ZONAL OFFICE


REGIONAL        REGIONAL         REGIONAL        REGIONAL     REGIONAL
MANAGER I       MANAGER II       MANAGER III     MANAGER IV   MANAGER V



BRANCHES        BRANCHES          BRANCHES         BRANCHES     BRANCHES


Each Zonal Office is headed by a Dy.General Manager. Each Regional Office is
headed by an Asst.General Manager. The branches are headed by Officers of
different grades depending on the business of the branch.



TRIVANDRUM ZONAL OFFICE

Deputy General Manager K.S.H.B. Building Complex,
P.B. No. 170, Santhinagar, Trivandrum - 695 001
Phone: 2331750 to 2331757, Fax: 2330363
E-Mail: dgmtvm@sbt.co.in

KOTTAYAM ZONAL OFFICE

Deputy General Manager
P.B. No. 1115, Pandinjarakara Chambers,
Kottayam - 686 002
Phone: 2560902 to 2560904, 2563211, Fax: 2565957
E-Mail: dgmktm@sbt.co.in
                                    3




ERNAKULAM ZONAL OFFICE

Deputy General Manager
P.B. No. 3624, Panampally Nagar,
Ernakulam - 682 086
Phone: 2322881 to 2322887, Fax: 2322880
E-Mail: dgmekm@sbt.co.in


KOZHIKODE ZONAL OFFICE

Deputy General Manager
P.B. No. 25, Maniyattukudy Asfa Building
Mavoor Road, Kozhikode 673 004
Phone: 2722961 to 2722963, Fax: 2720550
E-Mail: dgmkkd@sbt.co.in

CHENNAI ZONAL OFFICE

Deputy General Manager
Guna Complex, P.B. No. 6901,
304-305, Anna Salai, Teynampet, Chennai - 600 018
Phone: 24349010, Fax: 24344895
E-Mail: dgmchennai@sbt.co.in


SPREAD OF BRANCHES UNDER VARIOUS ZONAL OFFICES

           ZONE                               BRANCHES
Thiruvananthapuram            Thiruvananthapuram & Kollam Districts
Kottayam                      Kottayam & Pathanamthitta Districts
Ernakulam                     Ernakulam, Alleppey & Idukki District
Kozhikode                     Kozhikode, Trichur, Palakkad, Kannur ,
                              Malapuram, Kasaragod & Wyanad District.
Chennai                       Branches through out India except Kerala State
                                       4




BOARD OF DIRECTORS

1.    Mr. A.K. Purwar, Chairman
2.    Mr. K. Sitaramam, Managing Director
3.    Mr. George Stephen
4.    Mr. A. Thomas
5.    Mr. S.K. Hariharan
6.    Mr. Jiban Goswami
7.    Mr. K.T. Rajagopalan
8.    Mr. V. Vinod Kamath
9.    Mr. C.T.Koshy
10.   Mr. T. Balakrishnan
11.   Mr. R. Sreeraj
12.   Prof. V.N. Rajasekharan Pillai
13.   Mr. Yashovardhan Sinha

MANAGEMENT COMMITTEE:

1.    Mr. K.Sitaramam, Managing Director
2.    Mr. Pradeep Shankar, Chief General Manager
3.    Mr. C.R. Chandramouli, General Manager (Treasury)
4.    Mr. G. Rama Mohan Rao, General Manager (Technology)
5.    Mr. R.G. Gadkari, General Manager (Planning & Development)
6.    Mr. N. Ravichandran, General Manager (Operations)
8.    Mr. G. Damodaran, General Manager (V&I)
                                       5




FUNCTIONS

 Established to do the Banking business as defined under the Banking
  Regulations Act, 1949
 Acts as agent of State Bank of India
 Acts as agent of Reserve Bank of India


POWERS AND DUTIES OF ITS OFFICERS AND EMPLOYEES

The Bank’s Officers belong to various grades viz. They are categorised as
officers in Junior Management , Middle Management , Senior Management,
Top Executive and Top Executive Special Grade.

The Officers have been delegated with sufficient powers by the Board of
Directors and these powers are revised periodically depending on the
requirement of the organisation. Whether to sanction a loan or not is the
absolute discretion of the concerned sanctioning authority of the Bank and such
discretion is exercised after taking into consideration of the relevant facts and
circumstances of each case.
Duties and responsibilities of workman Staff are spelt out in the Bi-partite
settlement entered into between the representatives of the workman and Bank’s
managements.

PROCEDURE FOLLOWED IN THE DECISION MAKING PROCESS,
INCLUDING CHANNELS OF SUPERVISION AND ACCOUNTABILITY
Individual officers have been given powers appropriate to their position. In
respect of decision to be taken on critical matters and for high value advance we
follow Committee approach.

Financial decisions are taken at various levels from Asst. Manager to Asst.
General Manager of a branch depending upon their position. Beyond that
centralised credit processing cells are formed for sanctioning loans
Head Office Credit Committee – I and Head Office Credit Committee – II under
the chairmanship of the Managing Director and Chief General Manager
respectively are functioning in the Bank to consider the credit requirements of
the Public. At Zonal Offices, Zonal Office Credit Committee headed by the
Deputy General Manager and RACPC/SECC headed by Assistant General
Manager are functioning to consider the credit requirements of the Public.
Branches accept application and forward them to the respective credit
processing cells for their consideration.
                                            6



The Bank has a well-defined monitoring system. All loan sanctioned will have to
be reported to the next higher authority for control purpose. The submission of
Control Returns are monitored by Controllers. The exercise of power is also
monitored by audits.

The Top Management reviews the business performance of the branches/bank
as a whole as per set out goals at Performance Review Meeting at monthly
intervals. NPA management, housekeeping, etc., is reviewed at monthly
intervals in Co-ordination Committee meetings. Periodical inspection/auditing of
branches is done by banks officers and branches are also subject to audit by
statutory auditors.

There is a well defined organisational structure and a system of accountability
which takes into account RBI/CVC guidelines.

NORMS SET BY IT FOR THE DISCHARGE OF ITS FUNCTIONS

The Head Office decides the rate to be offered by the Bank for deposits of
different         tenures          (www.statebankoftravancore.com/domdep.htm         and
http://www.statebankoftravancore.com/nridep.htm ) . Regarding the advances,          the
Head Office decides the various loan products and details of which are
given in the web site. The Head Office also decides about the rate of interest
for different types of loans which are                     available in the web site.
(www.statebankoftravancore.com/domloan.htm & www.statebankoftravancore.com/nriloans.htm )

Every year definite and challenging targets are allotted to all the branches under
various heads so as to improve the market share of the bank and the
performance of the branches are reviewed at periodical intervals to set right
deficiencies, if any found.

The fair lending practices available in the web site.
(www.statebankoftravancore.com/FairlendingpracticeCode.doc)

The fair banking practices available in the web site.
(www.statebankoftravancore.com/fair.pdf)

Whether to sanction a loan or not is the absolute discretion of the concerned
sanctioning authority of the Bank and such discretion is exercised after taking
into consideration of the relevant facts and circumstance of each case.

RULES, REGULATIONS, INSTRUCTIONS, MANUALS AND RECORDS, HELD BY IT
OR UNDER ITS CONTROL OR USED BY ITS EMPLOYEES FOR DISCHARGING ITS
FUNCTIONS

 Book of Instructions
 Operational Manual
                                       7



 Circulars
 Job Cards detailing work procedure


STATEMENT OF THE CATEGORIES OF DOCUMENTS THAT ARE HELD BY IT OR
UNDER ITS CONTROL

 licence issued by Reserve Bank of India
 Register of share holders
 Record of the proceedings of Board meetings, various committee meeting
  and annual general meetings
 Documents executed by customers, borrowers, guarantors and contract with
  third parties


PARTICULARS OF ANY ARRANGEMENT THAT EXISTS FOR CONSULTATION
WITH, OR REPRESENTATION BY, THE MEMBERS OF THE PUBLIC IN RELATION
TO THE FORMULATION OF ITS POLICY OR IMPLEMENTATION THEREOF

Open House Customer Meet is held at Head Office/Zonal Offices/Branch on the
15th of every month to consider the feedback/complaints/suggestions of the
customers.

Committee on Procedures and Performance Audit on Public Services (CPPAPS)
has been formed to formulate policy for better customer satisfaction.

The share holders may raise issues concerning policies relating to the Bank in
the Annual General Meeting. The Annual report of the Bank may contain the
policies of the Bank.


A STATEMENT OF THE BOARDS, COUNCILS, COMMITTEES AND OTHER BODIES
CONSISTING OF TWO OR MORE PERSONS CONSTITUTED AS ITS PART OR FOR THE
PURPOSE OF ITS ADVISE, AND AS TO WHETHER MEETINGS OF THOSE BOARDS,
COUNCILS, COMMITTEES AND OTHER BODIES ARE OPEN TO THE PUBLIC, OR THE
MINUTES OF SUCH MEETINGS ARE ACCESSIBLE FOR PUBLIC

Bank has appointed various Committees for different purposes. Following are
some of the important Committees managing the key affairs of the Bank:

a)   Risk Management Committee
b)   Credit Risk Management Committee
c)   Asset Liability Management Committee.
d)   Operational Risk Management Committee
e)   Audit Committee
f)   Management Committee
g)   Executive Committee of the Board.
                                        8




Members of the public are not entitled to participate on the above Committee
meetings and minutes are not accessible to the members of the public.
However, representatives of the shareholders are nominated to the Board of
Directors and Executive Committee of the Bank. They are also members of
various sub committees of the Board mentioned above.

Further, Director representing the shareholder is a member of the Customer
Service Committee of the Board.


A DIRECTORY OF ITS OFFICERS AND EMPLOYEES

List of supervisory staff as on 1st July every year is released and is available in
all the branches/departments of the Bank.

A list of employees as on 01.09.2004 has been published and is available in all
the branches/departments of the Bank.


MONTHLY REMUNERATION RECEIVED BY EACH OF ITS OFFICERS AND
EMPLOYEES, INCLUDING THE SYSTEM OF COMPENSATION AS
PROVIDED IN ITS REGULATIONS

Salary and allowances to officers and employees of the Bank are paid as
defined in the settlement with Officers’ Association and Employees’ Union.

Salary and allowances are paid at the branches/administrative offices concerned

Scale of pay of employers are given below:

Scale I      Rs.10000-470/6-12820-500/3-14320-560/7-18240
Scale II     Rs.13820-500/1-14320-500/10-19920
Scale III    Rs.18240-560/5-21040-620/2-22280
Scale IV     Rs.20480-560/1-21040-620/5-24140
Scale V      Rs.24140-620/4-26620
Scale VI     Rs.26620-680/4-29340
Scale VII    Rs.29340-680/2-30700-900/1-31600-1000/1-32600
                                        9



Scale of pay of workman staff

Clerical  - 4410 -215/3- 5055-335/3 -6060-470/4-7940-500/3-9440-560/4 -
11680-970/1-12650-560/1-13210

Sub ordinate Staff - 4060 –105/2 –4270-115/2 – 4500 –135/2 –4770 –165/3 –
5265 - 195/4 - 6045 – 235/3 – 6750- 270/3 - 7560

BUDGET ALLOCATED TO EACH OF ITS AGENCY, INDICATING THE
PARTICULARS OF ALL PLANS, PROPOSED EXPENDITURES AND REPORTS
ON DISBURSEMENTS MADE

There are no plans and budgets for expenditure of public money and
disbursement. The above provision is not applicable to SBT. The Bank fixes
targets for its business.

MANNER OF EXECUTION OF SUBSIDY PROGRAMMES, INCLUDING THE
AMOUNTS ALLOCATED AND THE DETAILS OF BENEFICIARIES OF SUCH
PROGRAMMES

The Bank actively participate in various Government sponsored programmes
involving subsidy payment by Government departments but the bank on its own
do not have any subsidy scheme.

( Different Schemes already available in the website may be linked here)


PARTICULARS   OF  RECIPIENTS             OF    CONCESSIONS,     PERMITS    OR
AUTHORISATIONS GRANTED BY IT

No programmes in the Bank for grant of concessions, permits, authorisations
etc.

DETAILS IN RESPECT OF THE INFORMATION, AVAILABLE TO OR HELD BY IT,
REDUCED IN AN ELECTRONIC FORM

Details of following are displayed in the Bank’s website:

1.   Citizen Charter
2.   Fair Practice Code adopted by the Bank
3.   Fair Lending Practice Code adopted by the Bank
4.   Model Policy on Deposit
5.   Service Charges for various services offered
6.   Interest Rates on various loan schemes
7.   Services to SSI, NRI, Corporate, etc.
8.   Details of loan schemes offered to the Public
9.   Special Services, Internet Banking, etc.
                                             10



PARTICULARS OF FACILITIES AVAILABLE TO CITIZENS FOR OBTAINING
INFORMATION, INCLUDING THE WORKING HOURS OF A LIBRARY OR READING
ROOM, IF MAINTAINED FOR PUBLIC USE

Information about the Bank and its various activities is available at the Bank’s
website (www.sbt.com).The public can approach ACPIO for information
regarding Banking products for details. The Bank is not offering any library or
reading room facility to the Public.

NAMES, DESIGNATIONS          AND   OTHER          PARTICULARS       OF    THE      PUBLIC
INFORMATION OFFICERS

Central Public Information Officers (CPIO)

1. Sri.M.Krishnan Chettiar, .
   Chief Manager (DGM’s Sectt.)          -   For all branches under the Zone
   SBT, Zonal Office                         and in respect of the Zonal Office
   KSHB Building Complex
   Santhi Nagar, Trivandrum

2. Sri.Ramaswamy Iyer,
   Chief Manager (DGM’s Sectt.)          -    For all branches under the Zone
   SBT, Zonal Office,                         and in respect of the Zonal Office
   Padinjarekkara Chambers,
   Kottayam.

3. Sri.Rajeev Shenoi,
   Chief Manager (DGM’s Sectt.)          -    For all branches under the Zone
   SBT, Zonal Office,                         and in respect of the Zonal Office
   Panampilly Nagar, Ernakulam

4. Sri.V.P.Bhaskaran,
   Chief Manager (DGM’s Sectt.)          -    For all branches under the Zone
   SBT, Zonal Office,                         and in respect of the Zonal Office
   Manivattukudy Asfa Bldg.
   Kozhikode.

5. Sri.K.Gopalakrishnan,
   Chief Manager (DGM’s Sectt.)          - For all branches under the Zone
   SBT, Zonal Office,                      and in respect of the Zonal Office
   Anna Salai, Teynampet,
   Chennai.

6. Sri.S.V.Bangera,
   AGM (Compliance),                 -       Head Office Depts and Branches
   SBT, Head Office,                         under the Control of Head Office.
   Poojappura, Trivandrum.
                                         11



7. Sri.M.Muralidasan                              - for all branches under
   Chief Manager(Administration)                    Mumbai Regional Office
   SBT,Regional Office, 4th Floor, North Wing,      and the Mumbai Regional
   Jeevan Seva Annex, SV Road,                      office itself.
   Santhacruz West,Mumbai 400054


Asst. Central Public Information Officers (ACPIO)

All Branch Managers shall be ACPIOs for receiving request for information /
appeal against the order of CPIO and forwarding the same to the CPIO and
Appellate Authority respectively.

Appellate Authority

The DGM of each Zone will be the Appellate Authority in respect of CPIO of that
Zone

DGM (A&I) will be the Appellate Authority in respect of CPIO of the Head Office

DGM of the Mumbai Regional Office shall be the Appellate Authority in respect of CPIO
of Mumbai Regional Office.

								
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