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ALL  INDIA  BANK  OFFICERS'  ASSOCIATION

[Central Office: Chennai]

ALL  INDIA  BANK  EMPLOYEES'  ASSOCIATION

[Central Office: Chennai]

 

 

CIRCULAR TO ALL UNITS of AIBOA & AIBEA:                                                                                                                                                                 13th August, 2014

 

 

Dear Comrades,

 

§  JOINT CALL FROM AIBOA AND AIBEA 

§  Protest against Harassment of Officers and employees

 

Vide our Circular dated 7-8-2014, we had informed our units about the joint call of AIBOA and AIBEA to protest against the increasing instances of undue pressures and  harassment on Managers, officers and employees in the name of business targets, etc.  Some of the Executives exceed their limit and humiliate the Managers during business meetings, etc. 

 

There are  occasions where the pressures are brought on Managers to somehow reach the business targets including fetching business of third party products even ignoring our own business of our Banks.  All these unhealthy and undesirable approach and attitude of some of the Executives in some of the Banks have a very negative, adverse and dampening effect on the Managers and officers and demoralises them in particular and the staff at large.  There are also occasions where very high and unachievable targets are forced on the Branch Managers and Branches which result in resorting to wrong practices to achieve the targets ultimately exposing the bank and the staff to vulnerabilities.

 

Recently, the episode of a Scale IV Officer of a Bank ending his life unable to bear the humiliation and pressure has shattered all of us, since  all of us come to the Bank to work and make a living and not to end our lives.

 

In order to focus these problems and issues and to draw the attention of the managements and Government, AIBOA and AIBEA have given the following programme for implementation by all our units:

 

18-8-2014

LETTER TO FINANCE MINISTER BY ALL OUR UNIONS

19-8-2014

LETTER TO CHAIRMAN, IBA BY ALL OUR UNIONS

20-8-2014

JOINT DEMONSTRATIONS IN ALL STATE CAPITALS

 

The draft of the letter to be addressed to the Finance Minister and IBA Chairman is given herein and we urge upon all our unions to send these letters on 18th and 19th instants respectively.  Copy of the letter should be sent to AIBOA and AIBEA.

 

Joint Demonstrations should be arranged in all State Capitals on 20-8-2014.

 

With greetings,

Yours comradely,

                                                  

                                                                                                 S. NAGARAJAN                               C.H. VENKATACHALAM                                        

                                                                                        GENERAL SECRETARY                          GENERAL SECRETARY

                                                                                                         AIBOA                                                      AIBEA

 

 

FROM: ……………………………………………………………………………..  UNION

 

DT..      -8-2014

To

Shri Arun Jaitley,

Hon. Minister for Finance

Government of India

North Block,

New Delhi   ( fm@finance.nic.in )

 

To

Chairman,

Indian Banks, Association,

World Trade Centre, 

Centre I   6th Floor,

Cuffe Parade, Mumbai-400005

 

Fax: 022-22184222 /mail: webmaster@iba.org.in

 

 

Dear Sir,

 

Of late, in the name of business targets, invariably unrealistic, undue pressures are being brought on Branch Managers, officers and even on awardstaff.  It has become an increasing and disturbing trend.  While we have come to the Bank for employment and it is our sincere duty to work for the growth and business development of the Bank, the management has no business to impose undesirable and unachievable business targets and then mount undue pressure to somehow achieve these targets. But it is becoming a fashion, routine and a practice to adopt such pressure tactics. 

 

Not unoften, reports come to us of instances of harassments, insults, humiliation, etc. suffered by managers, officers and staff.  Some Executives tend to behave in inhuman ways affecting the dignity, self-esteem and self respect of the officers during meetings, etc.  During their visit to Branches, sometimes, some of their behaviour is highhanded.  Some of them behave like maliks and bosses. 

 

There are also occasions where very high and unachievable targets are forced on the Branch Managers and Branches which result in resorting to wrong practices to achieve the targets ultimately exposing the bank and the staff to vulnerabilities.

 

A recent incident has come as a shock to all of us.  A senior officer of a nationlaised Bank was attending a business meeting held by the local Circle Management.  He was reportedly humiliated and ill-treated beyond tolerance limit by the Executives.  The result – he became depressed and desperate and straight went to the nearby railway track and committed suicide by falling before a train.

 

His suicide note read as under:

 

“Nobody should touch by body, and my last wish is to throw away my body in front of dogs, no kriya karam (religious last rites) should be done.  Person responsible for my death are my Circle head  ………….. and  …………….. , my Field General Manager.  They are demoralizing and humiliating which pressed me to suicide.  They are working for their interest and not for the interest of the Bank.  Though by committing suicide, I have not gained anything, but the other persons can be saved.  These two persons are thinking of becoming CMD of the Bank.  You can collect data which shows their behavior, though nobody speaks straightaway because they are their own boss.”

 

We are sure that neither the Government nor the bank managements have the policy or intention that the staff should be harassed and driven to the wall.   But such instances of humiliation, unwarranted pressure, etc. have a very adverse and demoralizing effect on the managers, officers and staff at large. 

 

We strongly feel that some general guidelines should emanate from the Government/Indian Banks’ Association on the following issues :

 

·         No harassment of Branch Managers, officers and staff in the name of business targets

·         To treat all staff with dignity and respect

·         Ensure regulated working hours

·         Not hold business meetings/conferences on Sundays and holidays

 

 

We seek your kind attention and intervention in the matter in the larger interest of banking fraternity.

 

Thanking you,

Yours faithfully,

General Secretary


ALL  INDIA  BANK  OFFICERS'  ASSOCIATION

 

Circular Letter 9:VI:2014

August 7, 2014

 

 

To:

ALL UNITS / STATE COMMITTEES

 

 

Dear comrades,

 

RESIST WHOLEHEARTEDLY

THE BANKING SECTOR REFORMS ALONG WITH AIBEA

 

On 23rd May 2014, there was a protest demonstration against the recommendations of P.J.Nayak Committee advocating the privatisation of Public Sector Bank by reduction Government equity below 51%, Merger of Banks, keeping the Banking activities out of the C.V.C. and RTI Act, transferring the Government equity to new outfit: B.I.C under companies act etc., conducted by AIBOA-AIBEA-BEFI-INBEF and INBOC throughout the country.

 

RBI has recently put in their public domain/ creation of new Institutions seeking opinion on “Small Banks” and “Payment Banks” with private equity participation.  Cross mergers of RRBs is another act of agonising experience.  Selling the bad loans of PSBs to ARCs and bulging bad loans of PSBs are causing concern to the entire workforce as also to the owners and controllers.

 

AIBEA held its General Council meeting recently at Kolkata on 3rd and 4th August 2014 in which our co-ordination committee members Com.Alok Khare, Vice Chairman, Com.S.S.Shishodia, President, Com.S.Nagarajan, General Secretary, Com.M.A.Srinivasan, Deputy General Secretary and Com.G.Gunasekaran, Treasurer participated.

 

Preceding the General Council, the CC of AIBEA was held in which Com.S.S.Shishodia, President and undersigned participated, followed by the co-ordination committee meeting of AIBOA-AIBEA held at the same venue.  The issues figured in the meeting were [1] Co-ordination between AIBOA and AIBEA [2] Banking sector reforms and [3] approach on impending wage revision.  On  Banking sector reforms there is an absolute unanimity to implement the resistance programme together with AIBEA.

 

In the matter of strengthening AIBOA, we have urged that the Federations at Banks level to release an appeal to the internal promotees to join the AIBOA organisation and ensure their enrolment as a AIBOA member.   On the wage revision, our CC scheduled to meet at Kolkata will take an appropriate decision, as our prioritised issues are – Regulated Working Hours, Improvements in the matter of D&A Regulations 1976 and 5 days working, in the current wage revision.

 

As declared in the General Council AIBOA directs the Units and State Committees to observe the following programmes “ALL INDIA DAY” along with AIBEA.

 

 

            26.08.2014:   Anti merger day

            15.09.2014:   Against Establishment of Small Banks and Payment Banks

            25.09.2014:   Against selling of Bad loans to ARC

            15.10.2014:   Demanding merger of RRBs with sponsor Banks

 

The programmes are to be implemented jointly with all preparations, as the present Government is in a fast forward mode to implement their agenda of dismantling the Public Sector Banks.

 

With greetings,

 

Yours comradely,

 

/S.NAGARAJAN/

GENERAL SECRETARY


ALL  INDIA  BANK  OFFICERS'  ASSOCIATION

[Central Office: Chennai]

ALL  INDIA  BANK  EMPLOYEES'  ASSOCIATION

[Central Office: Chennai]

 

 

CIRCULAR TO ALL UNITS of AIBEA & AIBOA:                                                                                                                                                7TH August, 2014

 

 

Dear Comrades,

 

JOINT CALL FROM AIBOA AND AIBEA –

Protest against Harassment of Officers and employees – a disturbing trend - 

Shri. Ajay Sehgal, the victim – a PNB Officer

Oflate, in the name of business targets, invariably unrealistic, undue pressures are being brought on Branch Managers, officers and even on awardstaff.  It has become an increasing and disturbing trend.  While we have come to the Bank for employment and it is our sincere duty to work for the growth and business development of the Bank, the management has no business to impose undesirable and unachievable business targets and then mount undue pressure to somehow achieve these targets. But it is becoming a fashion, routine and a practice to adopt such pressure tactics.  Not unoften, reports come to us of instances of harassments, insults, humiliation, etc. suffered by managers, officers and staff.  Some Executives tend to behave in inhuman ways affecting the dignity, self-esteem and self respect of the officers during meetings, etc.  During their visit to Branches, sometimes, some of their behaviour is highhanded.  Some of them behave like maliks and bosses. 

 

A recent incident has come as a shock to all of us.  One Shri Ajay Sehgal working as Chief Manager in Chandigarh (Panchkula) in Punjab National Bank was attending a business meeting held by the local Circle Management.  He was reportedly humiliated and ill-treated beyond tolerance limit by the Executives.  The result – he became depressed and desperate and straight went to the nearby railway track and committed suicide by falling before a train.

His suicide note read as under:

Nobody should touch by body, and my last wish is to throw away my body in front of dogs, no kriya karam (religious last rites) should be done.  Person responsible for my death are my Circle head AK Gupta and JK Gupta, my Field General Manager.  They are demoralizing and humiliating which pressed me to suicide.  They are working for their interest and not for the interest of the Bank.  Though by committing suicide, I have not gained anything, but the other persons can be saved.  These two persons are thinking of becoming CMD of the Bank.  You can collect data which shows their behavior, though nobody speaks straightaway because they are their own boss.”

This is indeed heart-rending, it is indeed shocking.  Perhaps, it is the tip of the iceberg.  It is learnt that due to protests by our unions in PNB, the management has suspended the two Executives involved in this case.  FIR has been filed against them but it is reported that they are absconding.  That is a different issue.  The point is that such incidents should never be allowed to happen again. We have come to the Banks to work and not to kill ourselves.  We should not ignore such instances as stray incidents.  We must condemn such instances.  We should condemn the perpetrators of such a crime. We must demand compensation to the family. But more than this, we should build a movement on this issue so that such things do not recur.

In order to draw the attention of the IBA, Government and top managements of the Banks, the following programmes are given for implementation by all our units:

 

18-8-2014

LETTER TO FINANCE MINISTER BY ALL OUR UNIONS

19-8-2014

LETTER TO CHAIRMAN, IBA BY ALL OUR UNIONS

20-8-2014

JOINT DEMONSTRATIONS IN ALL STATE CAPITALS

 

Ø    WE DEMAND :

·         Stop harassment of Branch Managers, officers and staff in the name of business targets

·         Treat all staff with dignity and respect

·         Video recording of business development/managers meetings

·         Ensure regulated working hours

·         Do not hold business meetings/conferences on Sundays and holidays

Comrades, we request all our units to observe these programmes successfully. 

With greetings,

Yours comradely,

                                                                                   S. NAGARAJAN                               C.H. VENKATACHALAM                                        

                                                                           GENERAL SECRETARY                          GENERAL SECRETARY

                                                                                                AIBOA                                                      AIBEA

 


ALL INDIA BANK OFFICERS' ASSOCIATION

Circular Letter : 8/VI/2014

July 21, 2014

 

 

To:

ALL UNITS / STATE COMMITTEES

 

Comrades,

 

 

DISCIPLINE & APPEAL REGULATIONS 1976-

AN EXCLUSIVE ROUND WITH OFFICERS’ ORGANISATIONS

 

It was in the 10th round of discussion held with IBA on 14th March, 20-14, the necessity to have an exclusive exercise with Officers’ Organisation on Discipline and Appeal Regulations 1976 was insisted upon.  It was agreed by IBA representatives to have the same in the 3rd week of April 2014 which was held on 14.06.2014.

 

2.         IBA team was captained by Shri K.Unnikrishnan Deputy CEO, IBA along with Shri Shailesh Verma, CGM, [SBI], Shri B.P.Roy, GM-HR, [PNB], Shri A.B. Thorat, DGM-Law [SBI] with HR backup team.  Representatives of the Four Officers’ Organisations have participated.

 

3.         Prelude to the discussions, representatives of the Officers’ organisations held an exercise to prepare a collective presentation encompassing the totality of provisions related to D&A Regulations 1976.

 

4.         AIBOA representatives , tracing the issue from the strike call of 29.08.2002, wherein IBA had recommended the following to the Government, which are as follows.

 

a]         “……the CVC to consider limiting its jurisdiction only to Board Level Appointees and officers one level below the Board level appointees.

b]         a time limit for disposal of appeals by the Appellate Authority has been proposed to be put in place.  Also proposals have been made as per which the delinquent officer can prefer his appeal directly to the Appellate Authority.

c]         Guidelines for deciding on the revocation or continuation of Suspension have been submitted to Government for being formally issued to the Public Sector Banks.”

 

5.         Broadly, the discussions were centring around on the issues raised in the Joint Charter of Demands.  In the process of presentation of our views, as the Conduct and Discipline and Appeal Regulations 1976 had flown out of CCS/CCA rules of the Government, the provisions and amendments of the same also should find a place in the Regulations 1976.  The linkage between OSR, D&A Regulations 1976 and Pension Regulations 1995 should be made amply clear without any trace of ambiguity.  The double effect of punishment in the matter of promotions [sealed cover procedure] and denial of leave encashment facility to the officers compulsorily retired have also been placed.  In a nutshell DA should come to an end at the retirement date of the officer. 

 

6.         At the end of two hour discussions, it has been agreed to present a comprehensive note by the Four officers’ Organisations to the IBA for further discussions in the Negotiating team of IBA.

 

Indeed it is a good attempt to save the future of the Officers’ community in the Banking Industry.

 

Yours comradely,

  

/S.NAGARAJAN/

GENERAL SECRETARY


 

Circular No.8:VI:2014

June 14,2014

 

 

To

ALL UNITS / STATECOMMITTEES 

 

 

Dear Comrade 

 

-                      WAGE REVISION TALKS – 11TH ROUND

-                      10% ON 10% IS THE REVISED OFFER .

-          CONSENSUS DEMAND OF 25% ON PAYSLIP COMPONENTS PLACED.

 

After a lapse of nearly three months (ie last meeting was held on 14 3 2014), eleventh  round of discussion on wage revision was held at Mumbai with IBA participated by the eleven unions.

 

2.         Preceding the talks, UFBU Constituents met to draw the future course of action in the background of change of Government at the Centre after the 16th Lok Sabha Elections.  The meeting observed two minutes silence to pay respect to the departed soul of Com Shanti Patel, HMS Leader, Port and Dock Workers Federation, Former Mayor of Mumbai and past Rajya Sabha MP too.

 

3.         While noting the developments on account of submission of P J Nayak Committee report, Government proposed moves of dilution of equity from the present level up to 58% , merger of PS Banks on account of huge bad loans  and altogether aiming to attack the Public Sector character of the Banking Industry were debated.  A reference about the participation of five unions AIBOA, AIBEA, BEFI, INBEF and INBOC in a demonstration on 23/5/2014 against the RBI on P J Nayak Committee recommendations was also made.  The meeting after due deliberation came to a unanimous conclusion to send a congratulatory  communication to Hon’ble Prime Minister , and also to lead a delegation to the  Hon’ble Finance Minister to present our view points on Banking Industry and also the inordinate delay on wage revision of the work force.

 

It was further decided to pick up the thread of discussion from the stage where it was left on 14/3/2014 negotiations.

 

4.         Exactly at noon, the negotiation team was led by Chairman , Negotiating  Team, Sri TM Bhasin ,Sri  R K Dubey CMD Canara Bank, Sri Rajeev Rishi CMD Central Bank of India, Sri Rakesh Sethi, CMD Allhabad Bank, Sri M V Tanksale, CEO, IBA Sri Unnikrishnan DY  CEO, besides the executives of HR backup team of IBA.

 

5.         The Chairman IBA Negotiating team presented the developments in the last ten rounds spreading over  a period of 19 months in a  brief way and concluded that the Net Profit has dwindled substantially in March 2014 and staff cost has gone up substantially during the last year.  In view of the practical restrictions, on account of bad loans etc., it would not be possible to offer beyond 10% on payslip component . On our insistence to know the developments on the issues raised in the last round, it was supplemented further by IBA CEO Sri M V Tanksale, which are as follows.

 

a)    [A]5 Days working : The present Government thinking to revert to 6 days working in Government , forces not to pursue the issue further with the Government.

b)   [B] Regulated Working Hours:  Officers’ Unions are to submit their concrete view points to IBA.

 

c)    [C] Pension related Issues: 100%  DA Neutralisation and improvement in Family Pension are finding favour from Government point of view,  however expressed their reservation on updation of pension due to substantial cost involved.

 

d)   [D] Compassionate ground Appointments: The favourable decision from the Government is awaited within a couple of months.

 

e)    [E] Improvement on Hospitalisation Expenses: IBA reiterated that the scheme provided by them should be considered by the Union.  A letter of reassurance from the service provider was also  given to  the Unions on the negotiation table.

 

6.         Representatives of the IBA reiterated that the Unions should  spell out their quantum demand  in the background of non conceding any of the proposal presented by IBA to  Unions.   It was Com K K Nair, Chairman UFBU who broke the news of the earlier offer of IBA of 11% elsewhere, in turn, it was readily agreed to offer 11% with a condition to close the negotiations forthwith.

 

After couple of minutes of consultations amongst the constituent Unions, it was expressed clearly that on Payslip Component 25% increase was placed before IBA Negotiating Team.

 

The negotiating team, while expressing their un-acceptance with force, abruptly folded up the discussions.

 

The light at the end of the tunnel is certainly not visible.

 

Please await for further developments.

 

Yours comradely

                              

S NAGARAJAN

GENERAL SECRETARY


Circular Letter No.6:VI:2014

June 11, 2014

 

 

To:

ALL UNITS / STATE COMMITTEES

 

 

Comrades,

 

15.06.2014 – THE FIRST YEAR WILL BE OVER

 

Success in life depends upon two important things;

“Vision” of seeing the invisible opportunities

                       and

Mission” of solving impossible things”

 

The above quote aptly suits to “Com.RJS - a stormy petrel the Chairman of AIBOA who breathed his last on 15.06.2013 at MIOT Hospital of after eight weeks of struggle to remain alive to fulfil certain of the important pre-designed tasks.  However much he desired with strong willpower, the human machine fail to match with the desire and willpower of the towering personality of the Bank officers movement of this Nation.  Within couple of days the void created will be one year old.

 

Com.RJS, in his concluding remark in a National convention held in Delhi, in the year 1992 in the beginning of first decade reforms, opposed by all Central Trade Unions in which AIBOA and AIBEA were also the parties made his indelible imprint on the impact of Reforms process, won deep appreciation from the top leadership of AIBEA at that point of time as well as from others too.

 

Initiating an independent move for bringing Pension through erstwhile State Bank Indore and OBC, was his masterstroke.  One increment in lieu of introduction of Technology with effect from 01.11.1993, was a single handed achievement, when the majority Union of officers in the Industry refused even to place the demand with IBA.  Compulsory Rural service linked to promotion was converted as post promotional exercise. Parity of wages and service conditions with SBI and Regulated working hours are some of the wish list on his hand pending at the time of his demise.

 

Unorganised Sector Trust, relaunching of “Two Roses” remembering the elders of the movement through naming the dream project at Mamallapuram as “Tarak Institute of Banking & Trade Union Research were all his specialised efforts by which he proved that he always had foresight to visualise the situation.

 

AIBOA in a humble way, to remember the yeomen service rendered by the sterling leader Com.RJS to the society, trade Union, and also Bank officers, has organised a Memorial Lecture at Chennai on 28.06.2014 by Prof.Akhil Ranjan Dutta, Department of Political Science, Gauhati University, at C.S.Hall, 3rd Floor, A.K.Nayak Bhavan, 14, Second Line Beach, Chennai 600 001 at 4.00 pm

 

:TOPIC:

 

Development, Dignity and Rights

Role of resistance Movements

 In the era of Economic Reforms”.

 

Let us rededicate ourselves to build a stronger Trade Union movement to resist the multi pronged attacks against the workers in general and officers in particular in our Industry.

 

Com.RJS   Amar   Rahe.

 

Yours comradely,

 /S.NAGARAJAN/

GENERAL SECRETARY


 

 

Circular Letter No.5:VI:2014

May 19, 2014

 

 

To:

ALL UNITS / STATE COMMITTEES

 

 

Comrades,

 

ð           BACKDATED BACK DOOR PRIVATISATION OF BANKING – BY STATE BANK OF INDIA

ð               PRIOR TO PUBLICATION OF NAYAK COMMITTEE ON BANK’S PRIVATISATION

ð               DEMONSTRATION ON 23.05.2014

 

State Bank of India, entered into an agreement with Reliance Money Infrastructure Ltd., [RMIL] on 25th February 2014, giving the benefit of backdating with effect from 5th October 2013, to handle the front office Banking functions, as business facilitator / correspondent.  It is to be taken note that “Reliance Capital” was one of the aspirant for the new Banking license, which was not considered by RBI.  Partial privatisation of SBI is already set in motion, by this exercise of outsourcing through Business facilitator and Business correspondent in SBI.

 

Nayak Committee, appointed by the RBI, prominently recommended privatisation of Banks, reduction of the Government capital in Public Sector Banks from 51%, merger of Banks etc.  The main reasons attributed for the same are Basel III – capital requirement + increasing Bad loans in the Banking Industry.

 

Calling upon the all authorities concerned to reject the Nayak Committee, a demonstration call was given on 21.05.2014 all over the country, subsequently postponed to 23.05.2014 [ Friday ] by UFBU.

 

Keeping the seriousness of the issues involved, AIBOA, AIBEA, BEFI, INBOC and INBEF have decided to adhere to the call to hold the demonstrations at all centres, on 23.05.2014 [Friday] to withdraw the Nayak Committee as it is anti-people and anti-public sector in content. 

 

We call upon the members to mobilise the workforce for the demonstration on 23.05.2014 and make it a memorable success.

 

Yours comradely,

  

/S.NAGARAJAN/

GENERAL SECRETARY

 

Encl: Press Report


 

PRESS STATEMENT ISSUED BY

S.NAGARAJAN, GENERAL SECRETARY,

ALL INDIA BANK OFFICERS ASSOCIATION

 

 

BACKDATED BACK DOOR PRIVATISATION OF BANKING

 BY STATE BANK OF INDIA - AIBOA OPPOSES

 

Our attention has been drawn to a report pertaining to the State Bank of India management entering into an agreement with Reliance Money Infrastructure Ltd., on 25th February 2014 giving retrospective effect for the said understanding with effect from 5th October 2013 to handle the all the front office Banking assignments to a Private company viz., “Reliance Money Infrastructure Ltd.,” as  a business facilitator/correspondent.

 

The basic function of a Banking company is to take the money as deposit and lend the same to the needy individuals as advances.  Banking Institutions have already forgotten this basic important function and slowly succumbing to sell third party products like mutual funds, Insurance and Units etc., resulting in the Institutions now are “also do Banking”.

 

It should not escape the attention of the Public at large, that Reliance capital is one of the “aspirant” for the “Banking License” another extended arm of Anil Ambani Group Company, which could not get the same in this recent release of sanction given by Reserve Bank of India.

 

AIBOA strongly opposes the action of SBI, of non-recruiting the required number of staff members to handle the business of the Bank, resorting to this exercise amounts to “back door privatisation of the Bank with back dated effect” to a company, which was not considered for new Banking license by the controller of Banking system.

 

This move of SBI Management is nothing but “outsourcing of essential services” coupled with affecting the privacy of the individual account holder, as they are already handling very many similar services of Banking activities.

 

AIBOA, urges upon the authorities in Central Bank of the Country and also the Government of India to step in the process of reversal as the past experience of the private entities are not worth mentioning.

 

 

 

/S.NAGARAJAN/

GENERAL SECRETARY                                                                                                                                                                                  05.05.0214


Circular letter No. 3:VI:2014

May 5, 2014

 

 

To:

 

 

ALL UNITS / STATE COMMITTEES

 

 

Comrades,

 

WITHDRAWAL OF FACILITY – LEAVE TRAVEL CONCESSION

 

Leave Travel concession for officers is a part of Service Regulations right from date of introduction with effect from 01.07.1979.  In a block of 4 years, in one block of 2 years an officer can undertake the hometown travel and in another block to any place in India by the shortest route.

 

We have made certainly definite improvements over a period of time.  In the individual Bank level, there were improvements, though bilateral arrangements/agreements, by which, within the overall provisions of LTC, an officer can also visit aborad.

 

Suddenly, based on a meeting held at the Government level on 04.04.2014, the said facility of LTC, having the provision to visit foreign country stood withdrawn with effect from 01.04.2014 by IBA.

 

AIBOA, has taken up with IBA, with urgent reasons and urged upon them to take up with Government authorities immediately as, there is no additional financial  burden involved in this exercise.  The communication addressed to IBA is reproduced overleaf.

 

We note to keep the units informed of the developments.

 

Yours comradely,

  

/S.NAGARAJAN/

GENERAL SECRETARY


 

AIBOA LETTER NO. IBA:BKS:56:2014 DATED 29.04.2014

 

 

 

The Chairman

Indian Banks Association

World Trade Centre

6th Floor, Cuffe Parade

MUMBAI-400 005

 

 

Sir,

 

REG:   Leave Travel concession /Home Travel concession

REF:   HR & Industrial Relation circular CIR/HR & IRF/2014-15/9195

            Dated 07.04.2014

 

We have on our hand the above mentioned circular informing the curtailment of the facility enjoyed by the Officers hitherto based on the individual bank wise understandings under the over all provisions of Officers’ Service Regulations 1979.

 

Today visiting the foreign country is not to be viewed negatively by authorities as multiple changes are taking place in all walks of life, due to the external pressures on the Nation as a whole.  An officer employee acquires new experience thereby enlarging / broadening his understandings on men and matters.

 

Apart from this, altering the service conditions unilaterally during the course of the discussion on wage revision, wherein the LFC is one of the issues, is unacceptable to our organisation.

 

It would have been proper on the part of IBA to convene the meeting of the representative of the Officers’ Organisations to inform the background compelling the IBA to arrive at the decision of curtailment of the facility.

 

In addition to the above, the reimbursement is restricted to the furthest point within India under the existing rules, this communication needs to be reversed, by taking up appropriately with the Government of India.

 
 

Yours faithfully

 /S.NAGARAJAN/

GENERAL SECRETARY


 

Circular Letter No.2:VI:2014

May 5, 2014

 

 

To:

ALL UNITS / STATE COMMITTEES

 

 

Comrades,

 

PROMOTION PROCESS

REDUCTION OF “APAR’ MARKS

 

Government of India, vide its communication dated 14.03.2012 issued guidelines on Promotions covering various provisions focussing mainly on eligibility years of service for participation in the promotion process and also Annual Performance Appraisal Report [APAR] marks [ie] 75 marks for the preceding 5 years.  Subsequently, it was reduced to 60% marks for APAR wherever the written test is conducted by IBPS for both the channels of promotions.

 

2.         Our organisation has taken up with Government of India on receipt of the first communication itself to provide relief on  APAR marks.  Our affiliate in Union Bank of India, led by Com.D.S.Ganesan, Joint Secretary, AIBOA took up the case for judicial intervention in the High Court of Madras.  Union Bank management has also understood the situation and took all positive steps to break the deadlock by initiating a dialogue with our affiliate at Mumbai, in which our organisation was duly represented.  Appropriate relief to all officers working in Union Bank of India was achieved by our affiliate in that Bank.  Some more improvement were also brought in the “APAR Mark” system in the Bank.

 

3.         Once again, our affiliate  Corporation Bank Officers’ Association, [CBOA] in Corporation Bank challenged the system of “APAR” in the High Court of Madras.  Sensing the need to correct the situation, the promotions were declared by the management of Corporation Bank.  Couple of days back, it has been declared by Corporation Bank that “APAR” marks for both the channels is reduced to 40% marks for general category and 35% marks for SC/ST category from 75% marks / 60% marks.

 

4.         Canara Bank Officers’ Union [CBOU] had also challenged the Government guidelines in the High Court of Madras in demanding the officers recruited / promoted in the same date, in a batch are to be made eligible to participate in the promotional exercise.  The case is yet to be disposed off but the point of objection was sufficiently well addressed by the Bank management.

 

5.         While welcoming the initiatives of Government of India, we have taken up with them to issue the guidelines pertaining to “APAR” marks as in the case of Corporation Bank and also appropriately address the issue of obtaining 5 years Performance Appraisal Reports when the individual officer is eligible to participate in the promotion process on completion of two years only with the required relaxation of years service.  The said communication is enclosed herewith.

 

6.         All our affiliates are advised to take up the issue of “APAR marks” with the respective managements of the Bank under intimation to our Central Office.

 

With greetings,

 

Yours comradely,

  

/S.NAGARAJAN/

GENERAL SECRETARY

 

Encl: as above


 

AIBOA LETTER NO. MIN:RBI:57:2014 DATED 07.05.2014

 

 

 

The Secretary

Department of Financial Services

Government of India

NEW DELHI

 

 

Sir,

 

REG:  GUIDELINES ON PROMOTIONS IN PUBLIC SECTOR BANKS

            REDUCTION IN “APAR” MARKS

            UNIFORM APPLICATION TO ALL BANKS

 

REF:   1. Your communication dated 14.03.2012

            2. Your communication dated 04.04.2013

 

The guidelines for promotions in Public Sector Banks was issued on 14.03.2012, wherein various provisions were dealt with, notable amongst them are

 

[a]        Channel of promotion and minimum experience requirement at various levels

[b]        Minimum 75% marks to be secured in Performance appraisal for fast track/merit channel

 

2.         Subsequently, vide the second communication referred herein above, the minimum requirement of “APAR marks” relaxation, with approval of the Bank Boards, to an average of 75% marks of APAR with a minimum of 60% in each preceding five years.

 

3.         The above guidelines are applicable to all Public Sector Banks without any exception or deviation.  We have been given to understand that Corporation Bank having its headquarters in Mangalore, has taken up with your department the subject matter of APAR marks and the Ministry has reported to have relaxed the eligible marks under APAR to 40% / 35% to general category /SC/ST category respectively.

 

4.         Accordingly the Board of the Bank has reduced the Annual Performance Appraisal Report marks to 40% marks for the General category and 35% marks to for SC/ST category and issued the circular for initiating the promotion from Scale III to IV, Scale IV to V, Scale V to VI and Scale VI to VII, by relaxing the eligibility years of service.

 

5.         There are certain contradictions in implementing the above guidelines.  They are:

 

[a]        When the eligibility years for participation in the promotion process is reduced to 2 years or less than 5 years, obtaining 5 years APAR marks is incorrect and non-implementable one.

 

[b]        Relaxation in APAR marks from 75% to 40% / 35% should be made applicable to all banks and to all channels.

 

5.         As the Banks are getting into the “promotion mode” subsequent to the finalisation of yearly accounts, we request you to issue appropriate instructions to all Banks immediately.

 

Please expedite the instructions so as to enable the eligible officers with the revised/reduced marks of “APAR” from the present stipulation of 75% or 60%  / 40% / 35% to participate in the process.

 

 

Yours faithfully,

 

/S.NAGARAJAN/

GENERAL SECRETARY

 

 cc to:

 

The Chairman, Indian Banks’ Association, Mumbai

All Chairman and Managing Director, Public Sector Banks


 

MIN:RBI:42:2014

April 3. 2014

  

 

Hon’ble President of India

Government of India

NEW DELHI

 

 

Respected Sir,

 

 

REG:   ALARMING INCREASE OF BAD LOANS IN THE BANKING SYSTEM-

            REMEDIAL ACTION TO BE INITIATED.

 

On behalf of the citizen of our Nation and also as a conscious Trade Union of Officers, believing and practicing the avowed principles of “Nation First” “Institution second” and “individual Third” approaching you, as your are the First Citizen of our sovereign Nation and also majority stake holder in the Public Sector Banks, deem fit to place the facts before you for serious consideration.  The details are as under:

 

1.    1. Salient Features related to Banking system – Deposits + Advances

 

[a] Aggregate Deposits                       Rs. 75,49,04,000 crores

[b] Aggregate Advances                      Rs.57,89,92,000 crores

[c] Investments                                       Rs.22,32,24,000 crores

 

2.    2. Increasing bad loans –Gross NPA

*                                                                                                                                                            Rs.  in crores

S No.

Bank

March 2012

March 2013

1

Allahabd Bank

2058

5137

2

Andhra Bank

1798

3714

3

Bank of India

5894

8765

4

Bank of Baroda

4465

7982

5

Bank of Maharashtra

1297

1138

6

Canara Bank

4032

6260

7

Central Bank of India

7273

8456

8

Corporation Bank

1274

2048

9

Dena Bank

956

1452

10

Indian Bank

1850

3565

11

Indian Overseas Bank

3920

6607

12

Oriental Bank of Commerce

3580

4183

13

Punjab National Bank

8719

13465

14

Punjab & Sind Bank

763

1536

15

Syndicate Bank

3183

2978

16

UCO Bank

4086

7130

17

Union Bank of India

5450

6314

18

United Bank of India

2176

2964

19

Vijaya Bank

1718

1532

 

Nationalised Bank

64496

95233

 

20

State Bank of India

39676

51189

21

SBBJ

1651

2120

22

SBH

2007

3186

23

SBM

1503

2081

24

SBP

1888

2453

25

SBT

1489

1750

26

IDBI Bank

4551

6450

 

 

1,17,262

1,64,461

 

 

3.    3. First Four Bad Loan Borrowers in Public Sector Banks

                                                                                                              Quantumwise Rs.in crores

 

2009-10

2010-11

2011-12

2012-13

Gross NPA

59927

74664

117262

164461

In top 4 bad loans a/cs

8418

16957

17029

22666

 

 

4.    Top NPA Accounts of Banks.

 

                                                                                                                                          Rs.   in crores

Banks

Gross NPA

Amt.

Top 30 A/cs _% Gross

Nationalised Banks

1,11,209

 

 

 

 

48406

43.50

SBI Group

71,620

15266

21.30

Public Sector Banks

1,82,829

63,672

34.83

 

 

5.    5. Gross NPAs of above Rs.1 crore Number Accounts/Amount:

                                                                                                                                                        Rs.  in crores

Bank

March 2010

March 2011

March 2012

 

A/cs

Amt.

A/c

Amt.

A/c

Amt

SBI

1262

8533

1527

11406

2419

23320

PNB

188

826

133

1803

709

5295

IDBI Bank

234

1598

371

2125

579

3682

Bank of India

350

2809

236

2522

507

4268

All other 23 PSBs

2065

12843

2322

16777

3081

31697

 

4099

26629

4589

34633

7295

68262

 

 

6.    6. Profit earned and appropriated

*                                                                                                                                                  Rs.In crores

Year

Operating Profit

Net Profit

31.03.2007

42406

20310

31.03.2008

49819

26591

31.03.2009

66604

34372

31.03.2010

76905

39257

31.03.2011

100065

44900

31.03.2012

112289

47483

 

 

 

 

7.    7 Bad loans written off by the Banking system

*                                                                                                                                                          Rs. in crores

Year

PSBs

Old PVT Banks

New Pvt.Banks

Foreign Banks

Total

2007

9189

610

1232

690

11621

2008

8019

724

1577

1334

11654

2009

6966

616

5063

3350

15995

2010

11185

884

6712

6238

25019

2011

17794

682

2336

3083

23895

2012

15551

671

3024

1646

20892

2013

27013

863

3487

855

32218

 

95717

5050

23431

17096

141294

 

 

From the above it goes to establish that the hard earned savings of the peoples of our Nation is utilised to write off the bad loans in the Banks.

 

The following actions, considering the requirements of the various agencies, may please urgently be initiated to save the Public Sector Banking and also restore its health.

 

[a]        An external authority / committee with members of proven integrity and high moral standing should be entrusted with the responsibility of auditing the accounts of Public Sector Banks as at the close of 31.03.2014 within a fixed time schedule and the reports are to be submitted to you.

 

[b]        Right from 1993, the Chairmen who are responsible to conduct the affairs should be made accountable for their dereliction of duties due to which the present situation has arisen.

 

            As per the practice in vogue, large loan proposals are considered by the committee consisting of General Manager’s of the Bank.  Hence, even the proposals processed by the GM’s committee often turned as a bad loans.  It is relevant to quote, the RBI’s observations on committee method of sanctioning loans should be done away with, as this did not hold any single individual accountable.  The committee members should also be held accountable.

 

[c]        Together with Chairman, the Government representative and the RBI representative, who are expected to take care of the affairs of the Public Sector Banks should also be made accountable for their failure to check the deviations during their tenure as the member of the Board.

 

[d]        Urgent steps are to be initiated to declare the defaulters who have sufficient resources to clear the dues of the Bank and still not cleared the loan as wilful defaulters under criminal procedure code.  Criminal procedure code/Indian Penal code should be suitably amended to define the “wilful defaulters” of the Bank loan including the diversion of Banks funds utilised for the purpose “other than the one” for which it was availed.  It should be treated as “criminal act” with consequent punishment.

 

            In case of the Limited companies / corporates, full time or part time directors are also to be prohibited to contest the elections in the event of the said Limited company have failed to clear the loan availed from the Public Sector Banks.

 

            CEO/promotee Director of the defaulting company should not be a Director in any other company.  To give effect the company law should be suitably amended.

 

[e]        The bank defaulters should be prohibited to contest the elections at all levels and appropriate amendments in the “People’s representation Act 1951” should also be made prohibiting them to participate in the election process.

 

[f]         Any individual holding the position in the Government and he has not paid the bank dues, they should be directed to relinquish the office immediately and simultaneously clear the loans too.

 

            Officers, who are holding the office of profit should declare their availment of loan in their yearly statement, failing which, the same should be treated as  a  misconduct under the specified rules of the Government.

 

            Banks shall have the first charge on the immovable property viz. land and building over the other agencies. Then Professionals who are involved in the loan processing [ie] C.A., Lawyers and Certified Valuers are also appropriately to be dealt with.

 

            Indian Banks’ Association should meticulously publish the caution list bi-monthly for the benefit of member Banks.

 

[g]        If an individual in any capacity is a loan defaulter, then he should be disentitled to draw any concession / subsidy of any nature, which is also applicable to senior citizens.

 

[i]         The entire Banking system should have the “Banking Audit Commission” on the lines of “CAG” to make the people responsible to conduct the affairs of the Banks and the report should be placed before the Parliament.

 

Our Banking system has weathered  away “2008 global meltdown” and Public Sector Banks are nation building instruments hence it is to be promoted, preserved and protected from the use, abuse and misuse by the people at the helm of affairs.

 

The list of bad loan borrowers of the Banking system is also sent herewith for your ready reference and doing the needful.

 

Please acknowledge receipt.

 

Yours faithfully,

  

/S.NAGARAJAN/

/GENERAL SECRETARY/

 


 

IBA:BKS:40:2014

March 29, 2014

 

/FAX CONFIRMATION/

 

The Chairman

Indian Banks Association

World Trade Centre

Cuffe Parade, 6th Floor

MUMBAI-400 005

 

 

Sir,

 

REG Special Tax collection drive by Government of India through Banks

            Rationalisation of the compensation

 

We have on our hand the RBI circular RBI/2013-14/535 dated 26.03.2014 addressed to all Chairman and Managing Director of all agency Banks to keep select branches open as a regular working day for transacting Government business at key locations based on the volume of transactions upto 08.00 pm on 29th to 31st March 2014, where 31st March 2014 has not been declared as a Public holiday.

 

2.         However, RBI, vide its circular DPSS[CHE]/1446/01.02.003/2013-14 dated 28th March 2014 addressed to Officer In-charge, Clearing operation of Banker’s clearing House at Chennai [BCHC] to conduct the special clearing at all clearing houses across the country on 29th to 31st March, 2014 which are as follows.

 

 

Presentation clearing

Return clearing

 

29.03.2014

20.00 to 21.00 hrs

22.30 to 23.00 hrs

 

 

Combined clearing of Normal and special clearing

21.00 to 22.00 hrs

 

30.03.2014

17.00 to 18.30 hrs

20.30 to 21.00 hrs

 

 

Combined clearing of normal and special clearing

19.30 hrs to 20.00 hrs

 

31.03.2014

20.00 to 21.00 hrs

22.30 and 23.00 hrs

 

 

Combined clearing of normal and special clearing

21.30 to 22.00 hrs

 

In effect, even in the select branches, officers are to remain till the fate of the return clearing is known [ie;] minimum upto midnight on 29.03.2014 and 31.03.2014 and on 30.03.3014 upto 22.00 hrs.

 

3.         We have demanded that officers working in the select branches are to be granted compensatory off coupled with monetary compensation which should not be less than the overtime wages payable to workmen employees.

 

4.         Bank of India, State Bank of India, Central Bank of India, Canara Bank and Vijaya Bank are considering compensatory off + compensation in various stages with a maximum of Rs.2500/- per day.

 

5.         As the officers are to work beyond 6-1/2 hrs on 29th, 30th and 31st March, 2014, they should be compensated for two days for each day of work in addition and Rs.2500/- as a compensation per day may please be considered.  The rationalisation of the facilities need to be addressed immediately and on priority basis.  Pending finalisation of rationalisation, we request you to communicate to all Banks to effect the package of compensatory off + Rs.2500/- per day compensation to officers.

 

Yours faithfully,

 

 /S.NAGARAJAN/

GENERAL SECRETARY


 

 

ALL INDIA BANK OFFICERS' CONFEDERATION (AIBOC)

ALL  INDIA  BANK  OFFICERS'  ASSOCIATION (AIBOA)

INDIAN NATIONAL BANK OFFICERS' CONGRESS (INBOC)

NATIONAL ORGANISATION OF BANK OFFICERS (NOBO)

 

                                                                                                                                                                                                                                        28th March,2014.

The Chairman,

Indian Banks Association,

MUMBAI.

 

Sir,

 

       REG: SPECIAL TAX COLLECTION DRIVE BY GOVERNMENT OF INDIATHROUGH BANKS.

       REF:      1.Our Letters dated 24th and 26th March, 2014.

                     2.Your circular PS & BT/GOVT.9096 dated 26/03/2014

                     3.RBI Letter RBI/2013-14/535 DGBA GAD No. H-5430/42.01.029/2013-14 dated 26.03.2014

 

We request reference to our captioned letters on keeping the Bank branches open on weekly offs and Holidays declared under N.I. Act. We reiterate our resentment particularly with reference to the corporate/taxpayers, who failed to draw an action plan to make timely payment, cost effectiveness of such an yearly exercise, third time in a row, making the officers to work for continuously for eight days.

 

     Though IBA, RBI and Government have addressed our concerns to limited extent and we with the National Interest in mind have refrained from taking any organisational action, but our strong protest continues.  Our inclination, to extend cooperation for tax collection on these three days, in a measure to mop up the Tax revenue to the National Exchequer may please be considered as an exception to the regular expectation from the Government and also from the IBA.

 

         While we are confident that the individual Bank Managements will initiate steps to adhere to the directions of RBI to call minimum staff and to keep only the select branches open to undertake Government transactions upto 8 p.m. only, taking sufficient care to handle the electronic transactions avoiding the future problems, arising out of the directions to the Banks to keep that section to function upto midnight of March 31, 2014.

 

         Since the officers in these identified branches will have to work for extended working hours and on holidays, they should be paid monetary compensation not lesser than the overtime payable to eligible workmen staff, in addition to the compensatory off.

 

Yours Faithfully,

 

   (HARVINDER SINGH)                           (S.NAGARAJAN)                          (K.K.NAIR)                                  Dr.S.U.DESHPANDE

  GENERAL SECRETARY                 GENERAL SECRETARY         GENERAL SECRETARY                  GENERAL SECRETARY

            (AIBOC)                                              (AIBOA)                                  (INBOC)                                              (NOBO) 

 


 

ALL INDIA BANK OFFICERS' CONFEDERATION (AIBOC)

ALL  INDIA  BANK  OFFICERS'  ASSOCIATION (AIBOA)

INDIAN NATIONAL BANK OFFICERS' CONGRESS (INBOC)

NATIONAL ORGANISATION OF BANK OFFICERS (NOBO)

                                                                                                                                                                                                                                     26th March,2014.

The Chairman,

Indian Banks Association,

MUMBAI.

 

Sir,

 

       REG: SPECIAL TAX COLLECTION DRIVE BY GOVERNMENT OF INDIATHROUGH BANKS.

 

Kindly refer to our earlier communication dated 24th March, 2014 with regard to opening of Bank branches on Saturday the 29th, March, Sunday the 30th of March and again on Monday the 31st of March, 2014, a declared holiday under NI Act. on account of Ugadi/New Year day celebrations in many states.

 

While adopting the “No Work No Pay” principle on the strike days, including the recent TWO  days strike on 10th and 11th February, 2014, demanding a meaningful wage revision for the Bank Officers and wage parity with similarly placed Officers elsewhere, profitability was shown as a major reason for not meeting our demands as per our charter, submitted.

 

We have informed you in detail, the enormous expenses/losses, the Banks are making in keeping the branches and Offices open for relatively a small number of tax payers by extending the deadlines every year. It has also become a practice to ‘reward’/facilitate procrastinators vis-à-vis the disciplined law abiding tax payers, at an enormous outflow from the exchequer, adopting an unfair labour practice of compelling the Bank employees to  over work, when they are already overburdened with the year end work, leading to exploitation of labour in the commercial Banks.

 

Under the circumstances and in absence of any favourable response from your end, all Officers’ Organisations will be compelled to resort to any trade union steps including boycott in protest, which please note.

 

Yours Faithfully,

 

 

  (HARVINDER SINGH)                           (S.NAGARAJAN)                          (K.K.NAIR)                                  Dr.S.U.DESHPANDE

  GENERAL SECRETARY                 GENERAL SECRETARY         GENERAL SECRETARY                  GENERAL SECRETARY

            (AIBOC)                                              (AIBOA)                                  (INBOC)                                              (NOBO) 

                                                                                        

Copy to: Sh. M.V. Tanksale,   Chief Executive Officer, IBA


 

ALL INDIA BANK OFFICERS' CONFEDERATION  (AIBOC)

ALL  INDIA  BANK  OFFICERS'  ASSOCIATION   (AIBOA)

INDIAN NATIONAL BANK OFFICERS' CONGRESS (INBOC)

NATIONAL ORGANISATION OF BANK OFFICERS (NOBO)

 

                                                                                                                                                                                    24th March,2014.

The Chairman,

Indian Banks Association,

MUMBAI.

 

 /FAX CONFIRMATION/

Sir,

 

REG:              SPECIAL TAX COLLECTION DRIVE BY GOVERNMENT OF INDIA THROUGH BANKS.

 

We have the confirmed information that the Government of India has initiated the expeditious steps to collect the tax revenues from the tax payers by providing special opportunity to pay the tax dues through Banks on 29th, 30th and 31st March 2014,being the holidays declared by the State Governments in consultation with the respective Regional Offices of Reserve Bank of India under NI Act.

 

1.         The taxpayers are aware of the payment of taxes on 15th September,2013 as well as at the end of March 2014.    They are expected to plan the calendar and schedule of payment well in advance. Having failed in their duties,    the Government of India is extending undue accommodation by inflicting tremendous pressure on Bank Employees by making them to work on three declared holidays.

 

2.         The commission paid by the government per tax transaction is meagre and it is certainly not sufficient to meet out  the  establishment cost of running the branches for few tax payers.  The Government of India is linking the profitability of the banking system, while deciding wage revision for the entire workforce handling this assignment by the public sector bank is directly reflecting in the  earnings of the banks. The individual bank management may please be advised to provide the number of challans collected by them and also the revenue     earned  on account of this collection to prove our point.

 

3        In the States of Maharashtra, Karnataka, Tamilnadu and Andhra Pradesh, the New Year falls on 31.03.2014.  Making the workforce to work on the holidays of religious importance shall adversely affect the morale of the officer coupled with embarrassment in the family circle.

 

4.         Further there are alternative channels available to the Tax payers, which they should exercise to effect the payment of taxes.

 

5.         The workforce, if made to work on three holidays, it would amount to nine continuous working days against the settled principle of five and half days per week with forty-two and half hours of working hours. This is against the principle settled long ago .

 

6.         In view of the above cogent reasons, we are confident that IBA will take appropriate steps to communicate to the concerned authorities in the Government of India, lest, officers’ organisations shall suitably advise the officers in this connection.

 

 

Yours Faithfully,

  

                                                                                       

   (HARVINDER SINGH)                           (S.NAGARAJAN)                          (K.K.NAIR)                                  Dr.S.U.DESHPANDE

  GENERAL SECRETARY                 GENERAL SECRETARY         GENERAL SECRETARY                  GENERAL SECRETARY

            (AIBOC)                                              (AIBOA)                                  (INBOC)                                              (NOBO)