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September 2018Issue 6
VIKAS VANI
In house Journal
Andhra Pradesh Grameena Vikas BankHead Office : Warangal
Workshop conducted by NHB in Hyderabad on 19.05.2018
Received National Award for Best performance in SHG linkage for 2017-18RRBs from GOI on 11.05.2018
RBI, NABARD, SLBC & other ofcials visited our bank mitra point of Guragaruvu (minamaluru) under Paderu branch VSP and veried the functionality of the
BC point and interaction with SHG groups on 02.06.2018
1
Dear Colleagues,
Our Bank has recently concluded the Sports Meet. Congratulations to all the staff members for participating in the events enthusiastically and making it a lively one. Persistence with the good performance and unwillingness to give up, ultimately matter at the end of the day – it is not the winning or losing. This ability of yours has attracted the attention of the dignitaries who attended the sports events who drew an analogy as to how and why our Bank has been consistently doing well in some of the crucial efciency parameters. I am happy to observe that all participants have exhibited their best qualities in the sports and would want everyone to continue the same.
Back to work again. As I have been telling you, it is a privilege to sit on a position that we do today – the privilege acquired through the process of our employment. There is an institutional arrangement between our Bank and the Society and we have the power to full the function of demand and supply of banking and nancial needs, by following prudent practices. This process, together with all other arrangements in the system, is what is keeping the society on moving forward. I want you all to understand this space we occupy in the system and be motivated to be a contributing factor for the forward movement. No doubt, we are doing it. But if we do it consciously, what sometimes we refer to as 'burden', will become an 'opportunity'. And what we refer to as 'responsibility', will become a 'privilege'.
Training System in our Bank and Staff Learning Centre in particular are strengthening themselves to be of much more relevance to the Staff. Training methods are taking new shapes. The SLC is coming up with an innovative idea of making videos for each product. Each video, I am sure, will give comprehensive understanding of the sanction of product / service including documentation. It is really an innovative approach to imparting knowledge and skills. I hope you all will benet from these tools at your leisure, viewing in your mobiles / Vikasnet. Knowledge gives condence and power and you will be at ease carrying out your day to day function. I congratulate the Chief Manager and other faculty members of SLC for this initiative.
I too observe that many youngsters are very resourceful in their ideas for a better output and have passion for giving their ideas to workable solutions. They have huge potential to be tapped and unrestrained dynamism to be domesticated. In recent times, I have seen some beautiful and effective presentations on our Bank's products and services from young staff members. I have also witnessed exquisite talent during sports meet both on the eld and off the eld. It will do wonders if we properly tap it to be channelized in our ow of process and functioning.
I suggest all, particularly those at the helm of affairs of their respective units, to be in the lookout for special talents, both in terms of skills / aptitude and traits / attitude, for nurturing their leadership qualities. The ability of our Organisation to move forward from here, depends on our ability to make every one of the staff member to be a leader in their own functioning.
With best wishes,(V. Narasi Reddy)
Chairman's Message
2
�ద�����ం�� ��
పలక �ద దయ అ� �ండ��� �� ���ం��
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��� ప�మళ భ�తం ���మ�� ����
�ంపకం !!
హబ� ! ఎంత మం�గ ���ం� క� !!
(��ంద � �ా��త�అ�ాడ� గ��త�
�� య�త�ల� ��.�ా�ి��� �వశంక� �ా��
రజ�గంధ నుం��)
3
అ��ంత రక� �త� అ�నందన�!!
ఒక��� రక� �నం �య���� మనం సం���� ఉం�ం! అ�ం�� ఏకం� 54 ��� రక� �నం
�య�డమం� �ట�? అస� ఊ�ంచ��� కష�ం! అంత� బృహ��ర����� అవ�ల�,
అ��హతం� 1990 �ం� �న���� ఇప��� 54 ��� రక��నం ��న � ��� ������
��శ�ర�� �� మన సహచర ఉ��� అవ�డం మన� గర��రణం! ���తం ఆయన మన ���ట
�ం� ��జ� � ��� �ర�������. ఆయ� �� ఆయన సహధర���� �� ఇప��� 26
��� రక� �నం �యడం మ� ��షం! అం�� ఈదంప��ద�� భ�ష��� � తమ తదనంతరం
కళ��, ���� �క�య ��క� ��� � ��ష� � ఇవ���� అం��ర ప�ం ������.
�ద��ం� ���ద దృక�ధం� ��� ఈయన� �� �మ�� ���� అ� ����.అన���
మన ��శ�ర�� �� తం���న��� ��� ������,అ�� �వంగత �మ�� ��
స�జ �వ� ఎవ��� ����. �ళ� ���వ ���� ఆ�� �క�య ��క� ���� ���
����. �జం� ఒక� ��ంబం� న��� �త�ండటం అ�ర�ం,అ�నంద�యం!! ఇ�వ�
�రవ�య �ం �� ���� ������� న��ం���� �� �లం�� �� ��త�ం
త��న � ��శ�ర�� దంప�ల� సత��ంచడం జ��ం�. ఈ 59సంవత��ల మన ��శ�ర��
��, �� స�మ� ��� సం�ర� ఆ�����ల� ���� ��ం�ల� మ��� ���క ��
�ర���ల� మ�ంద��� ���� �ం�ల� మన����� ���ం�ం!!!
�� ������
���� న��ం���� �� �ం�
�శం�ప�ం అం��ం�న�
� ��శ��� దంప��
SOME FACTS ABOUT HUMAN BLOOD
� The average volume of blood present in an adult male body is 5.6 liters while an adult female body contains 4.5 liters of blood on an average.
� Nearly 7% of the body weight of a human is made up of blood.
� A new born baby of 3 days age will have around 82 ml/kg of blood in its body.
� Any adult individual can safely donate one unit of blood, that is, 300 ml once every three months.
� Blood donation improves overall health of an individual and reduces the risk of cancer
� Our body recoups the donated blood within 3 days
� One day special casual leave will be granted to all donors of the blood
4
న�� స��నం !!
అ�క �ద� భవం� అం� �ల���� కట�బ�ం�. ��ల�న ���ం� ���,��ప�� �ంట�, �. �. ఎ��,
��ట�� �ం�, ��ం�� అ�� ఉ���. �త�ం ఏడంత��ల భవం�. ఈ భవం� ��క ��న
30ఎక�ల �� స�ల�ం�. అక�డ అ�� �ఖ��� 16 �ం� 25 ఏళ� వయ�గల �� ప�������.
“�� ��� �ట�” �� ఉన� ఆ భవం� ���� ఒక అ�� �డ�� “�� ��� ��ష� �ంట�” అచ�
���� “అ��తన స��నం” �క “న�� స��నం”.
“�� �� ఐ � ఫ� � స� ?” అం� ���ల�. “�ం ఒక శవం ���మం� అంత��యల�” అ���
అ����.
“ఓ! �� ��? కం���� ��� అం�?” అం� ���ల�. “ఔనం�! ���� ���నం�” అ��� అ����.
“�� ఈ� � ��?” అం� �ల�. “��� అ���వం�” “� � � �� ��. �� �� �� �ప�ం�”
అం� �ల� “�. �మ�ధయ�” “����ష� ��� ����?”
��� �� ఇ��� అ����. ��� �ంబ� '7777777' ��� అ� ఇ� ��� పక��న� పం�� ��
���ం� ��. ఆ�డ ��ష�� �� “అ�! ఎ����ం� �� ���, 7, '91- ఇ��ళ
వ�����?ఇర� ��� ��!” అం��డ.
“అ�నం�! అ� సమస�!�� ఏ� స�యం ����!” అ��� అ����� వ��న మ����
ఒ�యన.
“��! ��� �య���! �� �ం� ���!” అం� పం�� ��. అంద� ��మ���
����డటం �ద����.
�� �ల� �� త���న��� �హం ���ం�. “��� ���” అ� ��� �ంట� పక��న� 'ఇంట� -క�'
��� “�� ���ం� �డ� ! ��ం� ���� ఎ����ం� �����యన ఈ �� '��' అ���
�డ� -ట�ం� �� �� �డ�! � దగ�ర� పం������ �డ�!... �ం�� �డ�” అ� 'ఇంట� -
క�' ��� �� అ���� �� ��� “�� �డ� దగ���ళ�ం�. � ఓ�� �� ��� �వ� ����.
���� ��� �ళ�ం�” అం�. ��� � ��� � ��� ���� అ���� యజ���� �� గ��� ����.
ఏ.� ��� ,ప�� �ర� �� డ��న� �ళ��ండవల�న అ�� హం����, ����ం� ����
���� ఉం�. ఆ�డ �క�� �ం� ���, ఒక ఇంట�-క� ఉ���. “��� ���” అం� ��� ��ం�.
(ఈ క� రచ�త ���� �.�. ఓ�గం� కమ�కర�� �� గతం� ��ఖ ��ణ ��ం� � 'ప��� ��ష��'
ఆ�స� � ప����. � జం��ల ��. మ��� �ంకట కృష� �� �� �ం� ����ల� ��� �� ����త�ం
ఉం��! ఆయన తన రచనల ��� ��� �ఠ��� ఎం� మం�� అ����� �������. ���తం �� �ద��
� OSN ��� �� మన ��ం��� ప�������. మన ����� ���తం ���న� శృ� �ం�న ����� కల�� �
సం�ం�న వ�ం���ం ఈ రచన. ఇ� 28/03/1991� ఆం��� �నప�క� ���త�ం�. ఆయన రచన�� ఆ �న
ప�క “���ల�” ���క �ంద ����కం� ���ం�ం�.)
��. ��. ఓర�గంట� కమల�కర �ా� �ార���. ��. ఓర�గంట� కమల�కర �ా� �ార���. ��. ఓర�గంట� కమల�కర �ా� �ార�
5
అ���� ���డక����ం� అం� “�� �� ��క� ����! ����ష� �� � �ం� చ��
పర���- మన ��� �� అ� స�����వ��. �� '��' �� ��ం� ఏం ������? ������,
�ప� ���ం� �క �వడం,����� �క�వడం అం� ఇ�! మన ఇం�య�� � పం����� ��.
అం�� ��� కం�� � మనం �లకన ఐ ����ం!” అం�. ఇం� �� అం�. ���� ����� ఆ
�ం��� ��ర�ం, ఆ�డ �ప �వణ�ం అ����� ��త��ం� ���.
�ట�వల�నవ�� ���క ఆ�� అం� “�� �� మం� �ళ�� ఉ���! � �ం� మం� �ళ�� స�యం
�యడం � ����! ��ష� �� � �� �� ఏ���� �����. ఇక ����� ఇ�ం� �ర���
జరగ�వ�కం�! “��� ���” � ఎ��ం�� ��� � ��� ���� �వ�� క���� ��ం� ��య�ం�”
అం�.
“��� ���” � ఎ��ం�� �����ం� � ���� అ����. ��, ఊ�, మతం అ�� ������.
“ఎల��� �� ��? క�ల� �ల�డ�? ���ట�డ�? అ� అ��ం� అక�డ �ల��,సన�� ��
����� ���� అందం� ఉ���డ. “కఱ�ల� �ల�డ�నం�” అ��� అ����.
“దహనం సమయం� �� ఏ�� �ం��యం ఉం� అం�? ఉం� ఏడవ��� మ����ఏ���
���ం! అ� ��� ���� ఎ�� �” అం��డ.
“�ం��యం ఉందం�! ఐ� �ం ప�మం�� ఒ��మం� �� మ��లక���� �� ఏ����ం!”
అ��� అ����� ఉన� �క�ధం.
“�� స� ద�� ����! ఒక �ళ �� ఏ��� ���� క���” అం��డ
“ఓ� ����� మన �� మన� ����� ��ల��ం� “����” అ� వ�� �����. ఆ పధ��
�ం�� “అ��� �న�ల��. “అ�� ఉం� � ! ����� ���, ��� �డ�! �డ� ఏ��
�ళ�� �� �� ఏ��� �యం� “ అ��� అ����.
“�� ��! అ��! అస� �� �ల ల�� అం�. ఈ �� “ఏ�� ���“ �� మం��. �� �ద� �ళ��
�ం ఏ��� ���. � ఆ� � ల�� “అం� పక�� ఉన� కం��ట� �ద �� ���.�ంట� అ�
ఇ� క��ల� ఓ ��� బయట� వ��ం�.
“�. 13400/-� �య�ం�” అం� ���� అ���� ��� అం���. ���� �వ�� :
1 ����ష� 300
2 �� ఉ� 2000
3 ఆ�� 2000
4 ��ష��� ���� 500
5 ఎ�మ�ష� 2400
6 �హ�� 600
7 ���� (అ����� ) 300
8 ���� ���� 1000
9 ��ం� ���� 1000
10 �వ�� ���� 1000
11 బ��, ���, ���ం�, అద� ���� 1500
12 �క� ���� 800
Total 13400
6
(�స���, ��, �� �ం��, ��ష� ఆ� � అన� దహన సమయం� ఫల���, �� �ం� �
ఉ�తం)
“అం� ��� ఉం� �� 11వ ఐటం అర�ం ��దం�! చ�� ��క శ��� బ�� ���,��� ��� అ�
ఏ�టం� �� అర�ం���” అ��� అ����
“అ� కంపల�� అం� �� ఎవ� ఒక� ��ం��ం�” అం� ఆ�డ. “���� �� ఎ��వ�
ఉ���� �రం ఆడ�డ� !” అ��� �క��ం� ప�ం�శం “���య��! ప���� ����
����! కం��ట� ����� ఇ� క��ల ��� �డ��? ఇ��� �ర�య� ? �రం ఆ����?”
అ��� అ����.
అ���� ���� ఇం� �కం� ఉ���. ఆ ఎ��� ఉ���డ �� ఉ���ం� అ������ ఓ��
వ� �� ���, �వలం ల� ���� అం� �� �ంట� అమ� �య���� �ద�ం� ఉ���.
���� క��� అం� రహస� ��శం దగ�ర� ������. ���� �యబ� ఉ���. �� �ర�బ�ం�.
క��, ��� అ�� �� “�� పర�� ఏజ���” అ� �యబ�న ���� కవర�� ఉ���. ���
��య� వ�� �� ��ష��� వ�� శ��� అ�ఇ� ��� ప�� �� ఓ� అ���. దహనం
�రంభ�ం�. ��ం� ��� ��ంచడం �రం�ం��. ఏడవ��� ����ంచబడ� ��� ఏడవడం
�రం�ం��. ���� �య��� �ర��ంచ బడ� ��� ���� ���. దహనం �ర���ం�.
��, �� �ం�� � �� “�� ప��� ఏజ���” �� �వ� భ�ష�� ���కల ��ం� కరప��
పంచబ���.
ఈ స����� అ�బంధం� ఉన� �� పర�� �� ���ట� � ��ంబ�, '91�పల �� వందల
��యల� ��� ���, ఇక�డ ��వందల ��యల� �� ��� ��శ�ట� బ���. ఈ ���
���న��ళ�� ���� �ం� ���� క�� ���ం� “� . 500” ���. ఇ� మ� ��� ఈ
��� ���న� ��� �శంబ�,91 �� �� దహనం �! ప�మం� “��” � �లబ� మ� ����
�������.
�����న��� �� దగ�ర ���� ��� “�� � � � ఎ��” అన� �� మ� � అ��� �న�ల
�� “స��నం క� �� ఇక�డ ద��� అ� ఉం��� �� భయం �య��?” అ�
������యం�! ఐ� �ల �రవ�య�న ద��లం�! �ల�ర అల��� �యవం�! ఎం�కం� అ�
అల����� ����ం� �� ద��ల దగ�ర �� �హ�టం ��ం� '����' � వ�� ����.
ఒ����బయట� �� పం����రం�. ����, అ�����, �ం����� ���ం� ����
బయట �� ఉ��� క�ం� ! అం�క� అ���.
7
రక�ం� ���పన!!��టం చంద�� �ఖ���టం చంద�� �ఖ�
�ం� ��జ�, హ�ం�� �ం�, 9492043348�ం� ��జ�, హ�ం�� �ం�, 9492043348
��టం చంద�� �ఖ�
�ం� ��జ�, హ�ం�� �ం�, 9492043348
క�� �త�
కళ���� వల�� �త��
మంద�ం�న ��� కళ��� �త�� !
��� �త�
���� �త��
ఊతక� మ� �త�� !!
�ట� �త�
�ట� �ద �ట� �త��
(�ంద�� �ట� -�ర�� ��)
తల �త�
తల �ద �ం� ��టం �త��
రం��� ����ల� �యత�ం � (�)త�� !!
�ం� �య �త�
��� సంబం�ం�న జ��� �త��
���� �త�� !
�త�ం శ�రం �త� -
రక�ం �త�� -���పన స��త��
� Total Business of the Bank has reached a level of Rs 28650.33 crores with a growth of Rs3463.22cr @ 13.75% (Rs 4383.23 cr @ 21.07%)
� Deposits at Rs. 14333.63 Crore increased by Rs 1515.05 Crore at 11.82% from Rs12818.58 Crore.
� The share of CASA has increased to 42.15% from 41.05%
� Advances at Rs.14316.70 Crore increased by Rs 1948.16 Crore at 15.75% fromRs.12368.53 Crore.
� Net prot at Rs. 503.01 Rs cr @ 42.90 % (Rs 351.99 Crore 57.51%) Gross NPAs reduced to Rs 195.64 Crore (1.36%) as on 31.3.2018 from Rs 209.74 Crore (1.69%).
� Net NPAs reduced to Rs.28.03 Cr (0.20%) from Rs.87.57 Cr (0.72%).
� Provision Coverage Ratio increased to 85.67% from 58.25%
� Cost of deposits decreased to 6.30% as on 31.3.18 from 6.89%.
� Business per Branch Rs.37.30 cr (32.80 Cr) Business per Employee Rs 9.06 cr (8.36 Cr)
� Net Prot per Employee Rs 15.92 Lakh (11.81 Lakh)
� Net worth increased to Rs.2252.82 Cr as on 31.3.18 from Rs.1749.81 Cr as on 31.3.17 @28.75%.
� Reserves increased to Rs.2158.74 Cr as on 31.3.18 from Rs.1655.72 Cr as on 31.3.17 @30.38%.
� Return on Assets improved to 2.24% as on 31.3.18 from 1.82%.
� Return on Equity improved to 22.33% as on 31.3.18 from 20.12%.
� Yield on advances marginally declined to 11.44% as on 31.3.18 from 11.90%.
� Cost to Income Ratio (Expenses Ratio) has considerably come down to 27.75% from35.03%.
� NII was up by 30.10%. It increased to Rs 848.19 Crore in 2017-18 from Rs 651.93 Crore.
� NIM improved to 4.15% as on 31.3.18 from 3.86%.
� Capital Adequacy Ratio at 15.59 as on 31.3.18 up by 10.96% vis-à-vis 14.05% as on31.3.2017.
� Other Income grew by 50.86% to reach a level of Rs 297.49 Crore from Rs 197.19 Cr.
� Credit to Agriculture at Rs.9666.29 Cr (Rs 8403.85 Cr) at a growth rate of 15.02% (Rs.1262.44 Cr)
� Disbursed Rs 7234.04Crore to agriculture ( Rs 6687.77 Cr.)
� No. of Agriculture borrowers increased to 1027206 from previous FY's level of 975289. SHGs increased to 194776 from previous FY's number of 189884.
� SHG Loan o/s rose by 12.67 % to reach Rs 5584.02 crore ( Rs 4955.71 Cr)
(Figures in brackets pertain to previous Financial Year)
OUR BANK : HIGHLIGHTS-2017-18
8
ఎ���ళ� ���నం - ఎంద�� ఆదర�ం !!
మన ఆం���� ��ణ��� ��ం� అ�క �ష�ల� �శం�� అ�క ��ణ��ం�లక��
అ���నం� �న���న� �షయం మన� ���ం�. ఒక ��ణ ��ం� తన�న� సహజ
�ద��న అవ��ల� అ�గ�ం��ం� ���క �ధ�త,�భ�యకత అ� �ం� ��న�
అం�ల� సమ�ల�ం ��ంచడ� �క అ� ��నం� ఒక �ష�ర �లం�� �న�గటం
�జం� ఓ అ��తం!
��� ���లమం�� �� ఉన��బ�ం�� ఏక��� న���� ��� ల���ధన�� న����న�
�జ�న�� �బద�త, తమ శ�� �ర� ����న� ఉ���ల అం�త�వం �ర���
����వ��. ���31, 2006 �� �ద�న మన��ం� ���నం� అ�భవ���న ఉ����
వంద��మం� ��� అ���ండటం �� ��నం� ����ం� ల ��� �తన ఉ����
వ�� ���ండటం మనం �����ం. అ�� ��వ ���� అప�� వర� ప���న ��
��ష�� �ం� �ధ�త గల ����� �య�ంచబడటం �� మనం గమ���� ఉ��ం. ఈ
�తన �బ�ం�� మన సంస� ����ం��న� ల����, ��వ�� �వ�ంచడ� ��ం�
���ర�హణ� ఎ�ర�� అ�క సం���� �వృ�� ��� అ�సర�న work knowledge
అం�ం�ల� సత�ంకల�ం� వ�య ��సల � ���డ�ం� APGVB స�ంతం� ఒక
��ం� �ంట� � ఏ������వడం ఒక �హ��త�న �ర�యం� మనం
అ�వ��ంచవ��.ఈ �ర�యం �ర� 9.7.2010 �� Hanamkonda� ��� ���ం� �ంట�
(APGVBSLC) �రం�ం��వడం జ��ం�.అం� మన ���ం� �ంట� త�ర� 8 వసం���
�జయవంతం� ��� ���� 9వ సంవత�రం�� అ��డ��న� �భ సందర���.
మన �ర�యసంస�ృ�� ���� �వం� ����ం! ���ల�ల�, ���ర�న�ం��� ప��
��ల���� ����ం! ఆ �బద�త,ప��త, �������ంచ��� �రంతరం SLC
APGVB ��� ���ం� �ంట�
9-07-2018 న 8 వసం��
������న� సందర�ం�
���క ��సం
��ా� ల����ం� ��ంట�, వరంగ���ా� ల����ం� ��ంట�, వరంగ���ా� ల����ం� ��ంట�, వరంగ�
9
�య����� ఉం�! అం�� SLC �� అ������ దర�న��� �వ� ���ల ����
ప�� ��వర��� ��క�� దర�న����!“ఆశయం స�ష�ం� ఉన���� అపజయమ��
ఉండదం”� SLC �డ �ద ���న� ��ద� ����� ఈ ఎ���ళ� ���నం ఎం�
�జయవంతం� అ��హతం� �న���ం�.
ఇప��� ����11 �ల మం�� �� participants � ��ధ �ష�ల� ��ణ ఇవ�డం
జ��ం�. �� �ర�హణ� సంబం�ం� �త� �ష�� �����ల� ���స� వ��
ఉ���ల� SLC �ంగణం అ��త�ం కళకళ ��� ఉం�ం�. �� ఇక�డ ����న�
�ష�� �� వ���గత �జ�ల�, త��� మన ��ం� �జ�ల� తప��స��
ఉపక�����య� SLC �బ�ం�� �త���� �� ��త �ర�కం� ��� అ�నందన� SLC
��ఖ�త� �� ������.
మన SLC � ��ం� అవస�ల� అ��ణం� 3���, 5 ��ల ���� ��ధ �ష�ల
�ద ���� � ��ం�ం�,ఆ� �ష�ల� ��ణ ఎవ�� అ�సర� ��� RO ల
సహ�రం� ���ం� ���ల ��� ఆ���ం� ��� ��ణ �వ�డం జ���ం�.ఇప��వర�
440� �� ���ల� తరగ�� �ర��ంచడం జ��ం�.�� ���� క�సం 25-30 మం�
��ణ �ం�����. ����లం� ��� క��ం� �జన వస� స���� ��నంత �కర�
వంతం� ఉండ��� SLC అ�� ��త�� ���ం�ం� అ��ధం� ��� సమయం� మ��
�బ�ం�� ఎ�ం� అ�క���� ���� ��వరణం క��ంచ��� �డ ���క �ద�
���వడం జ���ం�. ��� �� మన SLC� 25 మం� ఏక�లం� ��ణ �ంద���
త�న కం��ట� ��� �కర�ం క�� ఉండటం మ�క ���కత.
SLC � ��ణ �ర� వ��న ఉ���ల� సంస�పట� �బద�త� �ం�ం�ంచ���, వృ��
����ల� ���ప��టం��, సృజ�త�కత � ���� �ధ�ం�ల� త�� �యడం
జ���ం�. అ��ధం� ఆ� స����ల� �����న ��� ��� ��క���� ఎం�క ����
����� ��ణ ఇ��ంచడం� ��ం� ��ం� మ�ంత ఆస��కరం��, ��జనకరం��
��ం�����. �� ���� �ర��,జనర� ��జ��, AGMs ��న ���లయం�� ��ధ
���ప�ల� ఆ���ం� ���త participants� address ��ంచడం ��� ��ం��
సంబం�ం�న అ�క ��న��ం�� ��� ��� ������.�� వల� participants �ల
సంతృ�� �ం�����. అ�� గతం� S L C �� ��ం�ం�న
“��సపథం”�ర��మంఅత�ంత ఆదరణ �ం�ం�. �� �ం� ���� �ం�న ఉ����ంద�
10
ఉ��రనడం� అ�శ��� ��. ��మం� ఉ���ల ��క �ర� మ�క�� అ�ం�
�ర��మం ��ం�ంచ��� �య����మ� స�నయం� ��య�����ం. అ��ధం� SLC
conduct �� Quiz�,group discussions, case studies వం����� participants
ఉ��హ వంతం� ���నడం వల� �� ����ల� మ�ంత� ��� ప���వ���
ఆ��ర���� �హద ప�����.
����� ఉ���ల మన��ల� ��వ��న� SLC� ఇప�� వర� NABARD, SBI
�సంబం�ం�న ఉన������,��క���,����ం� ఆ�ట��,ఇతర అ���� అ�క మం� ��ధ
సంధ��ల� సంద��ంచడం జ��ం�. �� అం�ం�న�శంశ�, ఆ����� �జం�
�లకట����. వంద మం�� �� �లం�� ��ణ ��ం� ఉ���ల� �� మన SLC �
�జయ వంతం� ��ణ �వ�డం జ��ం�.
SLC �బ�ం� �� ���� �ర�హణ�
�న��న� �� �ట�� స����ం� మ�ంత
�ణ�� ����, ��వల� ��న
���� � అం�ంచ��� కృ����ంద�
��య���వ��� సం������ం!!
మన S L C 8 సంవత��ల తన ������
�జయవంతం� �న�గ��� సహక�ం�న
అంద�� ధన����. ఇ� స�యసహ���� ���ం� �� �న����ర� ఆ�����ం!!
Blessings of the dignitaries
11
ఆ���� �ం�న ఆ��� !!
�� �న�ప���ం� అ� భ�ం� రహస�ం� ����ం�న� ఆ��� � దగ�ర �� ����. ��
��ం అ��త�� ��� బ�� �పంచ� ���ల ���� � �� �� ఎ��� � ఆ��ల ���
బట� బయల���� �� �క� ఇష�ం ��! �� ఈ �షయం ఏ ఇంకం��� క�షన� � ����
��ద� -అం�� �� �ప�ం� ఉం����! �� ఎం�� ఈ �� �� �వ�� ���
�����ల��ం�ం� ��� - ���� ��ం �� �య�కం� !
� �న���� న�� బ�� పం�ం� �యత�ం� �గం� � తల� �� �� � గడ�ం దగ�ర అమ� తన
��� ప���� ���న�� స��� �� � ��� �� �వ�డం ��ం� ��పకం! అ��పకం ��వ 10 ���
అమ� చ���క �� ��వ అ�క �ట���ం�! �ఖ�ం� � గడ�ం దగ�ర ఇప��� �����న ఆ అమ�
�� స�ర� ��వ ఏ �ల ��� ఉం�ం�!
బ�� �న� ��ం ��న��� � అమ� � �క�� ��� మరమ�� �య�డం ��ం� ���ం� ఆ
��పకం ��వ ఎ�� ల��? � ���పడ� ���ం� ����న మరమ�ల ��వ ��� ���ం�!
���� � పక�� ���� ���� ఇ��న �మ�ఈక� � �ష� �స�కం 98వ ��� ����� - ��
�త �సం ��� �ం� ���� �� �ట�టం ��ం� ���!, ఆ ఈక �ల�� ���ం� ��న�
గంటగంట� 98వ �� �� �డటం ��ప��� మ�����- ఆ ��పక� ��వ ఎ�� �ట�� �ప�గల� ?
ఆ��రం �న�� ���ం� ��� ఒక �ంఛ� ���, ��ష��న ��� ��� ����� చ���
�య��ం� ����� బయ�� ���� మ�� ����ం� దగ�ర అన�ం�� �న�ం� �� ���ం�
ఎ������ ��� �� � �న� � �నక �ం� వ�� � �� �ద ఒక�� చ���. ఇప��� అ�
���� మం�� �ం�-�� ��వ ఎ�� ల��-����న� ��� ���� ప���� �ల�లందరం
ఎవ� ఇం�� ��� ప�� �యడం ��ం� ���!
సం�ం� ���� ���మ�� �ట�టం�సం � �న�క� �ద�క� క�� �ంకటప�య� �� ����ం�
ఆ��డ �మ�ం� �� లక�ం��� �� ఆ� �డ��� �� �డ ���న ��పకం ఇం� అ��� �ం�.
అక�య�� ���న ��� � ���� ఇప��� �ం� మం�� ���� �� ��వ ఎంత� �ప�గల�?
- Ramana Yellapragada
12
అన�య�� �� ����� ��� అరవప�� �ర�ల� ����న� టమట�ల బం�, ��� ���, ఎ���ల
����� కళ� ��, �� �� మ� చ��� �� కప� ���క�, ���గడ �క�, �� �� మం�
చ����� ����క �� ఒక���� �క�ం�న�� ��ర�ం� ��� �క�ం�� ��-ఇ� �క
బ��ల� ����న� �� �గ�� ��� ఓ��, ���, �ంత �క��, వ���- అవ��� � క������!
అప�� � ఆ��ల� ��� �� - అ� �������� �� �� ��ప�� ��ం భ�ం� �����!
ఇ��� �� ��వ ��� ���! ��� ����ం� �ందప�� ��� దగ�ర అ�న �యం ���
మచ� ఇప��� త����ం� �� �� �న� ఆ�� !
�సం�లం �లవ�� � ఇం����న �ర� �వ, �హ� �వ� ఇల�ం� సంద� �ం� ఉన��� ���
ఉం� ����� మం� ���� �� ����� ఇం��� ���ండ మ� బ�మ�డటం � �ం� ��పకం!
� మధ� ఉన� ఆ ఆ��య బం�ల ��వ� �క� క�� �న�� బ�� ఇప��� �ట����! ��
జ�రంవ�� �ప�� ���మయ��� ���ట� � ప��న��� ��� హ��వ �� ��నక��
�సరటం ఇం� ��పకం! ఆ �మ� ��వ క�� ��వ� రమ�� ���ం!
T M Rao ����� చ��ట��� బల����� ���� ��� ����న� ��� ��కరణం, అ�
మ���� ��� � ���న�� ��� ��� ��� ���� � �ళ� �ద ���న ��� �బ��, ఇం�
అ�� ���� -అ� అ�� ��� అ��ం�� ఇ�����ం � �ళ� వంక ���ం� �� ఎం�
��� అ�����-�� ఖ�� ఇ��� �ప���. �ష� ���� అ��� ���ళ�క�� �� MVK
���� ఆ� ����� �నక �ం� �ద �ం� మ���� ��� ��� ��� ����� �� ఎంచ��
��� � అంద�� �� �ళ�ం-ఆఖ�� �ఠం �న�ం� ��� ���� �రజ� ��!
���� ����� �ద�� ఆ���� LHR ���� ��� ����� ����య ��� ఆ ��� ఇప���
న�� �����ం�! ����� ��� ���� బట�తల వ��� ��ప�� ��ం ����� -����� -
�� ��వ అనంతం! ����� బ�� � �బ�� �ం��� �� �� ��ం � �ప��� - � ��గం
అ�ం��! ����� ��డ��� తన �డ ����న ��చ�వ�� క�� �� �ప� మ�!
�యం�లం బ� �ం� వ���క ���ం అత�య�� ��� ఫ���� క�� రధం �ంట� దగ���క
న���ం� �� హ�మంత�� ��� �� �స�కం, ��� ��� �� ��ం� ���
����� వ��వ�� �� ప��స� ��� ����న� ఉ���య� క��న “మ��“ �రం �రం�
ఎంత ��ం��? ఆ ��పకం ��ప��� తరగ� ఆ��!
�ల��� �ర�ల �����మం� ��ప�� �కం ����మ� ��, ఫ����, �ండ�� ర����
�మయ� త� అర���� ��� ��� ��త�.. �����కం� అ� ��� మ� ఇ�� ఆ�� �ం
�ట����ం� �న� ఆ ��ప�� �కం �య�దనం ఈ ��� ���ం� -�� ��వ ఇ��� అంచ�
13
�య��ం! ఆ�ర�ల� ���ప�� రమణ �� దగ�ర ప� �స� అ������ రం�ల �ట�ం ���
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(hu Ð XH� ª�i �ì¼Oä�½ ̂ ¥\÷# P���~¡}ì�° "³O@<Í J~ò<� uiy �¬sH÷ÆOKÇ=e�O^Í)
ASSOCHAM:
a) Winner in Best Agricultural Bank category and Runner up in best Social Bank category.
b) 5th SMEs excellence award 2017 for “Micro Lending (Rural Sector)”.
NABARD: Honourable Finance Minister Shri Arun Jaitly presented an Award for best performance in SHG Financing on the occasion of NABARD's 36th foundation day in New Delhi and Silver Jubilee of SHG-Banking Linkage.
GOI: Award from Government of India for Best performance in “SHG bank linkage”2016-17
PFRDA: Makers of Excellence Award for Best performance in Atal Pension Yojana (APY )
Ministry of Rural Development presented National Award for Best Performance in SHG Linkages 2017-18 (NRLM – National Rural Livelihood Mission) on 11.5.2017
SKOCH: Our Bank has bagged the Skoch Order of Merit Award under Business Leadership category
OUR BANK & AWARDS
17
People often ask
What is meant by success?
How do one dene success?
Why is it important to be Successful?
Success is dened by Cambridge Dictionary as “Achieving results wanted”.
It is derived from Latin word 'Successus' meaning result or outcome, attaining desired result.
Everyone wants to be a successful person in life. Nobody wants to be a failure. Then why is not every one successful? Why some people are achieving their goals while others can't?
The denition of success differs from one person to
another. It depends on the targets set by the
individual. One considers himself as successful, if
he is rich and another by achieving the business
goals. Yet another may be treated as successful
on getting a promotion. During our childhood, we
were told to study hard and score high to good
ranks. That was success then. Later, when
graduated, getting a good job is success. Once
employed, achieving the budgetted targets and
getting promotion is success. Getting married, a
dream house, purchasing all luxury items for the
house, luxury car etc are all treated symbols of
success by many people.
Perhaps the most important realization that an
individual can make in their quest for personal
growth is that there is no single formula that
denes the path to personal success. We all have
different goals and priorities, which mean that
different activities and attitudes will make us feel
good about ourselves. So how is it that we can
dene success for each individual based upon his
or her natural strengths and weaknesses as well
as inherited personality types? To be successful is
to understand what is important to you, to
recognize your weaknesses without hiding behind
them, to strive for balance as well as open new
doors in life. Successful means being able to
understand what is important to you. If we spend
our time and effort trying to meet somebody else's
idea of success and ignore or belittle any of our
contrasting views, then we will nd ourselves
exhausted and unhappy. One cannot be
successful until they have reached this mindset of
happiness; it is not possible for one to be
successful unless they are happy with their goals
and achievements.
Personally I can argue that there is no actual specic key to success but many keys to achieving it. It is said that “Success isn't the destination but the journey”. Success should be measured by the amount of dedication, determination and passion put into making it real.
10 Essentials for Success:
After studying the successful people in many different elds, it is learnt that
a) All successful people have some common habits.
b) They are not born with those habits, but they acquired them and the most good thing is
c) All these habits are LEARNEABLE.
To attain success, the following qualities are considered essential. Whatever one's denition of success, to achieve it, the following habits/traits will help reaching one's goal.
1. “Recognise your strengths”
Yo u m a y l o v e d o i n g c e r t a i n t h i n g passionately. That may become your hobby. But, if you are not having the required strength to complete the same, you may not succeed. Hence, follow the strengths you have, which will lead you to your success. Think about what you can do so well that you can dominate your eld in a given time. You
ESSENTIAL OF SUCCESSGVA Srinivas, Faculty, SLC, Warangal
186
should also love it. Successful people often choose their career paths by thinking rst about what they are good at and next about what they love to do. Make your own SWOT analysis.
2. “Ambition”
Successful people do not dream about being the best in their section or department. Most wanted to change the world. The magnitude of their goal will be the driving force for their success. Dene your DREAM. Attach a date to it and it will become a GOAL.
3. “Stay Positive”
Success will not come easily. One may need to struggle for it. There will be a number of people to distract you from your goal and tell you all negative things and distract you. Successful people know how to handle disappointment that keeps them from getting down and staying down. Remember, 'In a Boxing bout, defeat will not be declared when you fall down, but defeat will be declared when you fail to rise again'. Positive thinkers know that their future will be bright.
4. “Stay Organised”
Majority of people decide what they want to do and then they just do it - simple and organized. No postponement, even it is a minute one. Never leave loose ends untied. 'Take it easy' is not the road to success – but 'Make it Easy' attitude will take you to Success.
5. “Develop a strong support system”
Most of the successful people have a partner or family member who is supportive of what they do. They know they have somebody to lean on when needed. Surround yourself with a Team who believe in you and willing to support you in achieving your dream.
6. Failure and Success go together
Every successful person will not succeed in his/her rst attempt. Success requires consistent and persistent efforts. Hang on to your dream. Remember the adage “Try and
Try till you succeed”. Stay put to your Goal till the end.
7. Continuous Learning
Successful people do not stay static. They are continually improving their knowledge and skills and use mentors and coaches to accelerate their improvement.
8. Being Grateful
Give credit to those who helped you along. Don't take your current position for granted and ignore minor inconveniences on your way to the major aim.
9. Hard Work
Nobody got to where they are now without working hard and staying persistent during their tough times. This might be obvious, but it's a lot easier to say than to do. Stay focused on your goals. Walk the extra mile when required.
10. “Plan your path”
While xing your goals, set them in measurable stages – Short term and long term, which gives a sense of accomplishment on completing each stage and motivates for next stage. My mentor always said “Fail to Plan is Planning for Failure”. Prepare an Action Plan/Road Map from where you are now to wherever you want to be. Set interim stages and set the targets (dates) by which you aim to reach that stage.
DREAM should be
Denitive – I want a Luxury life is not denite. Be specic about luxury
Realistic – Not abstract – Aim should be crystal clear
Emotional – The result should give you immense pleasure and you should sacrice something for it
Achievable – Too big a goal in too short time cannot be achieved. It should stretch your efciency level.
Moral – It should be legal and moral
19
Some Important Circulars Issued during the Quarter
Cir No. SUBJECT
Adv02: 04/04/2018
Adv05: 06/04/2018
Accts01: 11/04/2018
Adv03: 06/04/2018
Adv04: 06/04/2018
Adv08: 12/04/2018
Adv07: 12/04/2018
Cbs02: 12/04/2018
P&D03: 19/04/2018
Per03: 23/04/2018
Adv13: 24/04/2018
Adv10: 10/04/2018
Accts03: 25/04/2018
Accts04: 27/04/2018
Cbs04: 03/05/2018
Adv15: 04/05/2018
Adv20: 11/05/2018
Adv16: 09/05/2018
ADV22: 09/05/2018
P&D05: 19/05/2018
Accts08: 19/05/2018
P&D06: 21/05/2018
Advances: Revision of interest rates and processing charges on Housing Loans
Opening of Web Portal – Padho Pardesh CSIS for oversees studies pursued by students belonging to Min
Finance Act, 2018 – Increase in threshold for TDS u/s 194A of Income Tax Act,1961 for senior citizen
Advances: Credit Policy for 2018-19
Recovery & NPA Management Policy
Advances: Education Loans
Advances: Revision of Stamp Duty
Rupay Insurance Program FY2018-19 Personal Accident Insurance coverage for Rupay ATM Debit card hold
Implimentation of policies approved by Board
National Pension System (NPS)
Opening of Web Portal - Dr. Ambedkar Central Sector Scheme of Interest Subsidy On Educational Loan
Advances: Scheme for Handloom Weavers Handloom Weaver Mudra Portal
Cheque books issued by subsidiaries of State Bank of India and validity of MICR Codes up to 31.03.20
TDS- Centralisation at Head Ofce all TDS payments through Head Ofce TAN - WEF 1st April 2018
KCC recovery and renewal process
Advances: SC Action Plan 2017-18 – Revision of unit costs
Crop Insurance: Implementation of restructured weather based Crop Insurance Scheme (RWBCIS) under PM
Advances: Loans to MSME
Credit Guarantee Fund for Micro units (CGFMU) For Loans Sanctioned Under Pradhan Mantri Mudra Yojana
Policy guidelines for the nancial year 2018-19
Depositor Education and Awareness Fund (DEAF) Policy
Interest Rates on Deposits - Domestic/NRO/NRE revision of interest rates with effect from 23-05-2018.
20
Cir No. SUBJECT
Adv27: 21/05/2018
Adv31: 01/06/2018
Per13: 06/06/2018
Accts11: 01/06/2018
Adv32: 01/06/2018
Cbs16: 11/06/2018
Adv40: 21/06/2018
P&D09: 25/06/2018
Per21: 03/07/2018
FIC09: 05/07/2018
Adv44: 06/07/2018
Adv45: 06/07/2018
Accts17: 25/07/2018
P&D11: 24/07/2018
Adv49: 26/07/2018
Adv50: 30/07/2018
I&A04: 24/07/2018
Accts16: 24/07/2018
P&D12: 30/07/2018
Adv53: 01/08/2018
Accts24: 06/08/2018
Accts25: 23/08/2018
P&D14: 14/08/2018
P&D19: 30/08/2018
Adv57: 24/08/2018
Adv63: 10/09/2018
FIC28: 10/09/2018
FIC29: 10/09/2018
Advances: Revision of Discretionary Powers Of Field Ofcers. Review/R
Risk Management: Policy review and recommendations
Payment of Gratuity to Employees and Ofcers
Ratio Analysis for the year 2017-18
Advances Housing Loans: Take over of Housing Loans from State Bank of INDIA
Disaster Recovery Plan (DRP) & Business Continuity Plan (BCP)
Settlement of cases through Lok Adalats: Policy for the year 2018-19
Installation of CCTV Systems/Burglar & Smoke Alarm Systems
Medical Insurance Scheme for Retired Staff Members Family Floater Group Health Insurance Policy – Se
Cross Selling – SBI Life, SBI General, SBI Mutual Funds & SBI Credit Cards
Advances: Enhancement of Sanctioning Powers of Field Ofcer’s Scale – I
Corrigendum to Cir.No. Adv/18/2018-19 Dated 11.05.2018 Crop I
Tax Deduction at Source (TDS) Important Instructions
Security and Protective Arrangements Prohibition of Videography/ Photography in the Bank Premises
Advances: Grameena Gruha Vikas-Revision of Sanctioning Powers
Advances: Housing Loans - Soundness Certicate from approved Value
Concurrent Audit System - Revision in Guidelines
Facility for Exchange of Notes and Coins
Security and Protective Arrangements
Advances: Guidelines on verication of Income Tax Returns (ITRS) and Financial Documents
Depositor's Education and Awareness Fund (DEAF) – Guidelines Procedure for Transfer, Remittance & Set
Issue of TDS Certicate - form 16 A to Customers
Launching of New Deposit Product – Flexi Recurring Deposit
New Deposit Product – Festival Bonanza Offer FD Change of Name as “VIKAS-12”
Advances: Master Circular on Housing and Related Loan Products
Advances: Financing to Self Help Groups
Cross Selling : Bancassurance Cross Selling of SBI Mutual Fund
Financial Inclusion Cell: Cross Selling SBI MF Launching Campaign “DASARA DHAMAKA” from 10.09.2018
ATM opening at Ashok Nagar branchon 11.06.2018
Meeting with LDMs,DDMs of AP3 districts on Investment Credit in
Vizianagaram on 27.06.2018
Inaugurated Bhadrachalam RONew Premises in Kothagudem
on 25.07.2018
Conducted sports meet of our bank from 28.07.2018 to 29.07.2018
Chairman Signing MOU withCGM, NABARD, RO, HYD on 18.07.2018
(for nancing JLGs)
Opening of our Garbham branch new premises & meeting with customers in Vizianagaram Region on 27.06.2018
Andhra Pradesh Grameena Vikas BankHead office : Warangal
Sponsored by State Bank of India, Ph: 0870 [email protected]; [email protected]
Received APY excellence award for Best General Manager& Best Regional Manager on 03.08.2018
Conducted sports meet of our bank from 28.07.2018 to 29.07.2018