Escolar Documentos
Profissional Documentos
Cultura Documentos
2010
Dated: 18.02.2017
*The Stock of Gold Coins to be verified physically as per Gold Coin Stock Vault Register and it
tallies with inventory outstanding in CBS system.
CERTIFICATES
It is certified as under:
1. Balance in Account Number 3171118 [Sundries before TDS], Account Number 3171160 [Non-
Customer Sundries Account] and Account Number 3171165A [RTGS Inter-Bank Account] is made NIL
(except un-cleared effects) on day-to-day basis.
2. Unrecovered service charges kept in shortfall are being recovered through SHORTFALL menu on
daily basis.
3. Interest SUCCESS / FAILURE reports [Deposits and Advances] have been downloaded / saved &
printed and checked as per guidelines. Corrective action on all accounts appearing in interest failure
reports has been taken and interest applied thereon.
a) All security details have been entered in CBS system through SRM.
5. Limitation is alive in all borrowers accounts. Detail of all the BC letters obtained have been entered
in the relevant fields in the CBS System.
6. All the Cust. IDs to which no account is attached have been disabled / closed.
7. Details of Service Tax paid on relevant expenditure are being fed in the System through CENVAT
menu and is being claimed promptly from Circle Office every month. The Suspense entries on this
account are being reversed on monthly basis.
8. Signatures for all new Accounts Opened are being scanned, uploaded and verified in the System
daily and there is no pendency relating to the month.
9. Cash, including foreign currency, is being held in the joint custody of a Deputy Manager (or above)
and the Officer / Head Cashier.
10. Securities / Charges as stipulated in Terms and Conditions of Sanction of Loan Accounts stand
created / registered and continue to remain in force and are fully insured. Exceptions, if any, have been
reported to the higher authorities.
11. All stocks pledged / hypothecated with the Bank have been inspected, correctly valued, got fully
insured (wherever necessary) and are in good condition. Shortages and / or old stocks, wherever
observed, have been reported to the higher authorities.
12 (a) All Know Your Customer (KYC) Norms and Anti-Money Laundering (AML) Measures have been
fully complied with in respect of all the accounts opened during the month, except the following:
12 (b)The updation of Customer Identification Data i.e., Name, Address, Occupation, Income/Turnover,
etc., alongwith Photograph/s is done at least once in five years in case of Low Risk Category customers
and once in two years in case of High and Medium Risk Category customers.
12 (c) The review of Risk Categorization of customers has been carried out at a periodicity of not less
than once in six months.
13. Cash Transaction Reports of Rs 10 lakh and above have been generated from the system and are
being monitored on daily basis and kept on record.
14. There is no delay in remitting TDS (of any kind) to Central Government Account.
15. Legal Compliance Certificate in respect of all eligible borrower accounts has been sent to the
controlling office up to the month of January 2017
16. All guidelines relating to Clean Note Policy, Detection and Impounding of Counterfeit Notes, Facility
for Exchange of Soiled & Mutilated Notes & Coins are being strictly adhered to.
17. All the eligible applications for sanction of refinance from IDBI / SIDBI in respect of Term Loans
sanctioned have been lodged with Controlling Offices.
18. (a) All the lease deeds in respect of lockers are held on record and keys of all the vacant
lockers are duly entered in the relevant register and held on record.
(b) Locks of lockers surrendered during the month have been changed.
19. All the original PPOs are held on record and pension, in respect of those pensioners
where Life Certificate has not been received, is not being credited in their accounts.
20. (i) Monthly meeting of Customer Service Committee was held on _________ (date) and
the minutes of the same have been sent to Circle Office.
(ii) The information displayed on Comprehensive Notice Board in the branch has been updated,
wherever amendments/ modifications have been issued by the Bank.
(iii) The Information Folder available with the Incumbent Incharge/ Second man/ May I Help
You Counter containing relevant instructions relating to the information displayed on the
Comprehensive Notice Board have been updated/ replaced by revised ones.
21. Lease Deed/s of Bank Premises is/are available with the branch / office and is/are in force.
22. All Regulatory / Statutory Guidelines are being complied with and all cases of Compliance Failures /
Breaches / Penalties / Incidence of Non-compliance, if any, is reported to Controlling Office
immediately.
23. It is certified that the Credit Information Reports (CIRs) (both Consumer & Commercial Category
Accounts) extracted as per list provided by the Credit Information Company are correct. The Charges in
respect of CIRs have been recovered from the customer and credited to Income Head of the branch.
24. Surprise visit of the following Extension Counter(s) attached to the branch was undertaken by the
Incumbent as per the date(s) mentioned there against and the irregularities / deviations, if any, stand
reported to the Controlling Office:
NOTE:
Before signing, please go through the above certificates carefully and explicitly indicate those which
are either not complied with or are not applicable.
Please use separate sheet/s wherever required.
SIGNATURE OF INCUMBENT
Balances of all Computerized Accounts are tallied on daily basis and necessary recording
is made in the register maintained in the branch. All balance reports are taken at month
end and the same stand tallied and are duly initiated.
Morning Checking is being done on daily basis in terms of IAD Circular No. 17/2013 dated
17.06.2013 & 26/2013 dated 28.08.2013. All MIS reports are generated and checked
periodically and discrepancies are updated in the system.
Sundry, suspense, remittance in transit, ODD, Clearing Receivable and Payable, Draft
Payable Imprest Account and other Impersonal Head accounts have been operated as
per Bank's guidelines and all balances are tallied up to date.
Vouchers have been handed over to Daftri against proper receipt. Vouchers have been
tallied with the system, stitched/ sealed and duly signed by the Custodians have been
kept in joint custody in Fire Proof Almirah/ Strong Room.
Ultra Violet Lamps have been installed on all the concerned seats. Genuineness of
cheques/ drafts of Rs. 100000/- & above presented for payment in the clearing or on the
counter for payment/ transfer have been verified through Ultra Violet Lamp. Stamp to
this effect is being affixed on the back of the instruments by the verifying officials.
System has been provided to the Cashier, making the payments and the concerned
employee is verifying the status of the cheques through system before making the
payment.
Cash Reserve Book has been maintained and updated every time of deposit and with
drawl of cash from Strong Room and it is being initialed by the Custodians.
Proper control over tokens has been maintained. PNB 135 has been maintained on daily
basis.
Bait Money has been maintained and kept along with cash on the counter and in the
Strong room.
System generated Cash receipts are being issued and no manually receipt has been
issued.
Minimum Cash ratio has been maintained. All Cash receipt and payment guidelines are
being adhered to.
Stock reports in all CC accounts have been received and entered in DP Register. Stock is
checked periodically on alternative basis by the bank officials and record thereof has
been maintained properly.
Due Date Register for obtaining Balance Confirmation Letters in Loan accounts has been
maintained in terms of Bank guidelines and limitation is not going to expire in any loan
account within next twelve months.
Charges in respect of CIRs, CIBIL reports, CERSAI registration and Investigation charges,
Processing Fee, Upfront fee, Documentation charges and all other related charges have
been recovered from the customer and record thereof has been maintained.
Interest codes in deposits and Advances have been filled up properly. No old Code is
available in the system.
All Limit proposals/ CRs due for renewal stand renewed/ reviewed. Credit Risk rating/
PNB Score/Rule Based Lending Module has been prepared in all loan accounts, where it
was applicable/ due.
Security forms are checked physically at regular intervals by 1st and 2nd Man of the
branch alternatively.
Periodically checking of Alarm, PIR Censure Alarm system, Time Lock and CCTV Camera
is being done and record thereof has been properly maintained.
Officers are visiting the branch on Sundays/ Holidays to check the security aspect of the
branch and record thereof has been properly maintained.
Staff Movement Register, Deviation Register, Complaint Receipt & Disposal Register,
Claim Case Register, Dak/Dispatch Receipt & Disposal Register, Loan Application Receipt
& Disposal Register, SSI Application Receipt & Disposal Register, Application Rejection
Register, Unit Inspection Register, Old Record Register have been maintained and
updated.
All IT Department guidelines have been adhered to. Neutral earth checking is being
done once in two months. Old hardware has been disposed off as per bank's guidelines.
Duty sheet of the staff has been rotated as per bank's guidelines.
All the taxes are deposited with the related departments well within stipulated time
period and periodically returns are filled with Income Tax Department.
Before signing, please go through the above certificates carefully and explicitly indicate those which are either not complied
with or are not applicable.Please use separate sheet/s wherever required.