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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: firstname.lastname@example.org KOTTAYAM ZONAL OFFICE Deputy General Manager P.B. No. 1115, Pandinjarakara Chambers, Kottayam - 686 002 Phone: 2560902 to 2560904, 2563211, Fax: 2565957 E-Mail: email@example.com 3 ERNAKULAM ZONAL OFFICE Deputy General Manager P.B. No. 3624, Panampally Nagar, Ernakulam - 682 086 Phone: 2322881 to 2322887, Fax: 2322880 E-Mail: firstname.lastname@example.org 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: email@example.com 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: firstname.lastname@example.org 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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