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August - 2017

Golden Jubilee 1965-2015 1

TH26 GENERAL BODY MEETING OF SBIOA (CC) NDAT CHENNAI ON 22 JULY 2017

Chennai, the capital city of Tamil Nadu, is the place where the first organised trade union in India, the Madras Labour Union was founded in 1918. The first “May Day” celebration in India was also organised in Madras by the Labour Kisan Party of Hindustan on May 1, 1923. This was also the first time the red flag was used in India. Extremist leaders of the land who were become integral part of Indian national movement such as Subramaniya Siva and V.O. Chidambaram Pillai, believed that the colonial government could be pressured by mobilising workers and organising a general strike. B.P. Wadia had famously said, “It is necessary to recognise the labour movement as an integral part of the Indian national movement… The latter will not succeed if the Indian working class is not enabled to come into its own.”

thIt was here that the 26 Triennial General Body Meeting of State Bank of India Officers' Association (Chennai Circle) was held at K.Sitaraman Hall @ SBOA School & Junior College, Annanagar, Chennai, on Saturday 22nd July 2017. More than 2000 comrades attended the conference. Comrades representing different modules went in a colourful procession from the historic Millennium Park to the conference venue. Com.A.Krishnan, President of the Association hoisted the flag amidst thundering slogansof “SBIOACC ZINDABAD”, “AIBOC ZINDABAD”, “Officers' Unity Zindabad”, by themilitant members.He presided over the meeting andhighlighted on the ill-effects of privatisation move of the Government viz. Merger of banks, introduction FDRI Bill, NCLT, Turnaround Plan, outsourcing of bank's core jobs, denial of compassionate appointment, bottle neck in the wage revision talks etc.

Shri Sasindran DGM& CDO

lighting the Kuthuvilakku

President Com A Krishnan hoisting the Association Flag

Com.Thomas Franco Rajendra Dev, General Secretary, SBIOA(CC), traced the history of Officers' movement in State Bank of India more particularly of SBIOA(CC) and the welfare measures taken from its beginning, by quoting “Craddle to Grave” the broader vision of Com. E.A.G. Moses, the legend of SBIOA(CC). The present scenario of banking industry is much alarming in the sinister move of the Government in privatising the Public Sector Banks and other PSUs. His information on Associate Bank's Merger and the present position prevailing in the State Bank of India, after post merger viz. Profit, NPA, closure of branches, staff position etc., created much needed awareness among the members.

Shri.Sasindran Deputy General Manager& Circle Development Officer represented the Chief General Manager of Chennai Circle and inaugurated the conference. He has appreciated the efforts taken by the association for the past 50 years and thanked all the officers for making Chennai Circle as No.1 Circle. He also congratulated the leadership of the Association for maintaining cordial relationship and industrial harmony.The Chief Guest, Dr.P.Sainath, an eminent journalist and orator, has highlighted the plight of farmers in India especially the region of Vidarbha and Marathwada. The myth of waiver of farm loans in the minds of general public has been totally proved wrong. The nuances of perception of subsidy, incentives to Corporates, Tax

Concession extended to Big Corporates and the top 1% of rich holding 58.4% of household wealth in India was awesome and mind blowing fact to the audience.

“How the richer has become richer and the poor become poorer” in last 3 decades?

Why the famers attempt suicides?How the cost of cultivation has gone 300 to 700%?

Whether something to be taken seriously, and a prime responsibility of bankers to overcome it and help the farmers in extending the credit in time?

Inequality prevailing at present as it was practised by the British Raj and Colonial days has to be eradicated, social development activities have to be taken up by the People like Bankers and show sympathy and empathy on oppressed and suppressed community thereby creating a bond with them. The unity among the working class will be the answer for achieving all these things; strengthen the union and take forward the prudent financial management in

Com D T Franco

Com S Saravanmuthu, GS, Pensioners' Association, Chennai

Com D. Singaravelu, GS, SBSU, Chennai Circle

Com A V Joseph, Regional Secretary,

Chennai Zone I welcomes

Presidential Addressby Com A Krishnan

Com Y Sudarshanaddressing Members

Shri Sainath, eminent Journalist addressing delegates

Shri V. Sasindran, DGM & CDO delivering the Inaugural Address



PSBs. We have to recapitulate that the PSUs and PSBs contributed to our national income and earn respect among the general public in the nation. Thwart any attempt of the Central Government and other forces by our unity and solidarity besides broader vision on the common people, he said.

Com.Y.Sudarshan, General Secretary, AISBOF &Chairman of AIBOC congratulated the S B I O A ( C C ) f o r h a v i n g w o n t h e management's onslaughts during the former Chairman's period and also the contribution made by the SBIOA(CC) at Circle, Federation

and Confederation. Today this Circle Association is leading the Banking Industry because of leadership qualities and vision on their Member's Welfare besides the social activities in various fields. Clinching of five days Banking, regulated working hours for officers and parity of pay and pension with Central Government employees is going to be a challenge ahead. The efforts put forth by Com.Franco for “Save Public Sector Campaign” and for consolidating workforce in the financial sector including banking industry, Public Sector Undertakings and protecting them against privatisation move, was well appreciated.

As part of social service activities, a cheque for Rs.50,000/- and article worth of Rs.50,000/- donated to “Vasantham”, an orphanage home taking care of mentally retarded children, to reassure our social commitment.

Com.Amarpal, Former General Secretary of AIBOC was felicitated during the conference, for his great contributions to the officers' movement in Banks.

Com. M Harshvardhan, Com.Ramkumar Sabapathy, Com.Sambith Mishra, Com.G.Subramaniam, Com. SoumyaDatta, Com.Ravindra Gupta, Com. V.Muralidharan, Com.Pawan Kumar, Com. G.P. Srivastava, Com. Deepak Kumar Sharma, Com. S.K.Srinivas, Com. Kamal S.Kadri, Com. R.Ramesh, Com. G.R. Jayakrishnan, and Com I P Gupta the General Secretaries and Secretary Generals of various Circle Units and Com. D.Singaravelu, General Secretary, SBSU and Com. S.Saravanamuthu, General Secretary, SBI Pensioners' Association offered their felicitations to the conference.

The following books published by the Association were released by Dr. P. Sainath for the benefit of the members.

1. You Should Know

2. Service Conditions of SBI Officers

3. One Point Reference Book of SBIOSR Service & Conduct Rules

4. Symposium on Development of Agriculture and Role of Banks in Tamilnadu.

5. Laudable Performance of Public Sector Banks 6. Bye-Laws & Rules of SBIOA(CC)”

During the business session Com.D.Thomas Franco RajendraDev, General Secretary presented the General Secretary's Report to the General Body, which was accepted by the members. 22 comrades spoke on the report and raised

Com K Partasarathy, Fr GS being felicitated

Com M Balakrishan, Fr GS being felicitated

Com G Santhanam, Fr GS being felicitated

Com S. Balasubramanian, Fr President being felicitated

Com EAG Moses, Fr GS being felicitated


various issues. Com Franco, General Secretary replied in his closing remarks.

Audited accounts of General Fund and the Benevolent Fund for the year ending December 2014, December 2015 and December 2016 were unanimously adopted. Shri. C.N. Jayachandran, Chartered Accountant was appointed as Auditor for the next triennial period.

Com. M.S. Ravichandran, Chairman, Election Committee with his team members, Com. Sankaravadivel, Com. Sastha Selvaraj, Com. Mohan, Com. Mahalingam, Com. Ramesh, Com. Giridharan were honoured for conducting the elections in a free and fair manner.

Resolutions on the following topics were unanimously adopted by the General Body.

1.� Revision of gratuity ceiling – date of effect2.� Labour law reforms – an attack on trade unions3.� Compassionate appointment scheme4.� Compensation for working on holidays/ Sundays5.� Comprehensive review of pension benefits in SBI6.� Five day week7.� Cross selling8.� Recruitment of sports persons9.� Removal of cap of Rs.100 crores on staff welfare expenses10. Creche facilities for babies11. Appointment of officer director on the central board of state bank of

India12.� New pension scheme (NPS)

13.� Health check up scheme for our officers and members of the family14.� Income tax on perquisites15.� Reimbursement of medical bills16.� Claim of leased residential accommodation on certificate basis17.� REMBS – Insurance Scheme18.� Reimbursement of cost of spectacles19.� Outsourcing of regular work20.� Reservation of seats in reputed schools/colleges21.� Educational allowance for children22.� Business correspondents/business facilitators/ customer service providers 23.� Demand for reimbursement of demonetisation expenses and Jan Dhan

accounts24.� Attempt of re-privatisation of public sector banks 25.� Abolish Banks Board Bureau (BBB)26.� Career development system (CDS)27.� Industry level wage settlement across all scales

Com.A.Ravichandran, Regional Secretary, Chennai Zone II, proposed

the vote of thanks to the participants.

Com D T Franco, GS delivering the closing remarks

Com M Shanmugam, Treasurer presenting Accounts

Com A Ravichandran, Regional Secretary, Chennai II

delivering vote of thanks


Com. M Harshavardhan, Secretary General, Hyderabad Circle

Com Ramkumar Sabapathy, GS, Mumbai Circle

Com Sambit Mishra, GS, Bhubaneswar Circle

Com G Subramaniyam, GS Hyderabad Circle

Com Soumya Dutta, GS, Bengal Circle

Com Ravindra Gupta, Delhi Circle

Com V Muralidharan, Kerala Circle

Com Pawan Kumar, GS, Lucknow Circle

Com Soumya Dutta, GS, Bengal Circle

Com Ravindra Gupta, Delhi Circle

Com V Muralidharan, Kerala Circle

Com Pawan Kumar, GS, Lucknow Circle

Com G P Srivastava, Patna Circle

Com Deepak K Sharma, GS, Chandigarh Circle

Com S K Srinivas, Bangalore Circle

Com Kamal S kadri, Ahmedabad Circle

Com H Ramesh, Secretary General, Bangalore Circle

Com G R Jayakrishnan, Secretary General, Kerala Circle

Com J P Gupta, Secretary general, Chandigarh Circle

Com Amarpal, Fr GS, AIBOC, being felicitated

Social Service.- Vasantham, an orphanage home taking care of mentally retarded children

Release of books


DELEGATE'S VOICE

Com. M. Swaminathan Com. N. Ravishankar Com. Murugesan Com. K. Sakthivel

Com. V. Suresh

Com. G.M. Bhageerath Com. Baskaran

Com. A.B. Pratheep

Com.R. Prasanth Com. A. Sudahakar

Com. A. Venkata Subramanian

Com. Narendran Loganathan

Com. P. Balamurali

Com. S.C.S. Sundarrajan

Com. Ravigovindarajan

Com. P. Arun

Com. K.S. Jeyalakshmi

Com. C.T. Joseph

Com. A. Ashok

Com. T. Jayachandran

Com. R. Santhosh


Procession to the General Body venueComs. K. Gopinath & Aanchal Bhargava

and Team compering

Welcome DeskComrades entering the venueWelcome Dance by Com Kavitha

Cultural Show at the venue


Election Committee headed by Com M S Ravichandran with President, GS and Treasurer

SBIOA(CC) Zindabad

Executive Committe


STALLS Comrades RefreshingBooks published by SBIOA(CC) on show

COMRADES AT THE CONFERENCE


Cultural Show by Comrades from Tiruchirapalli ModuleCultural Show by comrades from Coimbatore Module

Cultural show by Madurai Module

Cultural Show by Salem Module

Cultural Show by Com Uma, Chennai Module II

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Cultural Show by Chennai Module I

CULTURAL SHOW BY MODULES

UNITY ENCLAVE

The appropriate authority has accorded the approval for

extension of the moratorium of our SBIOACC Unity Enclave Housing

Project from Jan 2017 to June 2017. Hence the repayment will

start from July 2017.


ALL INDIA PUBLIC SECTOR AND CENTRAL GOV'T.OFFICERS' CONFEDERATION (AIPCOC)

The ever growing threat of privatization of the Public Sector and the increasing attacks on the Trade Union and labour necessitated the consolidation of Trade Unions across industries. Com Thomas Franco Rajendra Dev, our General Secretary took the initiative getting the leaders come together under a single platform. (AIP&COC). The effort proved a huge success as leaders from many diverse sectors gathered at Chennai on 05/08/2017. More than 500 comrades representing various Trade Unions attended the Conference.Com V K Toamr, President of the National Confeder-ation of Officers' Association (NCOA) chaired the meeting and addressing the Conference said that the biggest threat to PSUs are the Government policies. AIP&COC is an independent and apolitical platform. Irrespective of financial health, and strategic importance all PSUs are under threat. This conference will strive to make a difference to the policies of the Government. Public Sector is sick because of Government policies. Metro rail is a fine example of what good Government policies can do for Public Sector.Presenting a report to the Conference Com Franco, Convenor, AIP&COC said, that attempts to organise Trade Unions in different sectors were earlier taken by Com Godbole, Com Ashokrao and Com Dinesh Abrol. Govt has been on a privatization spree and trying to handover every sector to the private. Why then shouldwe need a Government? Political parties should realize that it will be like a camel entering into a tent. 192 Public Sector Organisations have been killed. We have to join together upto the district level and fight together at the Natiinal level.He quoted Martin Niemöller,

'First they came for the Socialists, and I did not speak out—

Because I was not a Socialist.

Then they came for the Trade Unionists, and I did not speak out—

Because I was not a Trade Unionist.

Then they came for the Jews, and I did not speak out—

Because I was not a Jew.

Then they came for me—and there was no one left to speak for me.'

Com Sebastian, Telecom Sector, Com Alok Roy, Oil Sector, Com S Mohan, CCGGOO, Com Dilip Kumar Saha, Banking Sector, Com Sugumaran, CITU, Com Senthil, Insurance Sector, Com H M Mallesh, Defence Sector, Com D Subramani, Pharmaceutical Sector, Com Chandramouli, GST &CE, Com Rajkumar, LIC Officers Federation, Com Solamalai, RBIOA, Com Sanjiv Kumar, National President, All India Railways Employees Federation, Com Anil Kumar, ITI Ltd., Com MadhanBhel, Com CP Krishnan, Banking Sector and GeetaSunatkari, Mazagan Dock (defence) spoke at the Conference.The following Office bearers were co-opted in the ConferencePresident - V.K. Tomer- NCOASecretary General D.T. Franco- BankingTreasurer T. Senthi Kumar- BankingVPs S. Mohan – CGOO Sebastian – Telecom Alok Roy – Oil Sanjib Kumar – Railway DushyantChavan –NABARD Dilip Kumar Saha – BankingJoint Secretaries H.M. Mallesh- Defence Subramani- Pharma Raj Kumar – LIC Chandramouli – GST & Central Excise Anil Gupta – ITDC Anil Kumr – ITI Ms. GeetaSunatkari- Masogon DockDy. Gen Secs. Lakshmi Narayanan Ashok. M. Shethalke


PEOPLE'S PARLIAMENT FOR UNITY AND DEVELOPMENT

National Platform for People's Parliament for Unity and Development constituted Trade Unions, Farmers Organisations, Women's Organisations, Youth Organisations, Non GovernmentalOrganisations and Rights' Groups joined together to have a debate titled, “People's Parliament for Unity and Development” throughout the country. The aim is have a debate at every district of the country on issues of Development like,

Why Farmers, Traders, Women, Workers, Youth and Students complain that they do not get credit when needed, while the Bankers are saying there is no credit off-take?

Why even after 70 years of Independence all eligible children do not have access to Education at Schools and Colleges?

Why Universal Health Care is not available to all? Why farmers are committing suicides and youth do not want to enter farming?

Why women who have history of prompt repayment are not getting adequate credit even in SHGS?

Why unemployment is increasing and what is the possibility of creating employment in rural and semi urban areas?

Where the Budget-funds go?

Where is the tax we are paying going?

Why the Govt can't fulfil the promise of constitution – to provide equal opportunity to all?

What GST means to People?

Theabove are some of the issues which will be debated at every district and an enquiry will be done and presented in the District Parliament for Unity and Development. This will be followed by State Level and National level People's Parliaments. The Co-ordination Committee has plans to have atleast 1 lakh dialogues with farmers, women, youth etc. throughout the country. The National Platform has organisations like;

All India Bank Officers Confederation,

All India Public Sector and Central Govt Officers Confederation,

Centre for Indian Trade Unions,

NABARD Officers Association,

Indian National Trade Union Congress,

All India Peoples' Science Network,

Sanchar Nigam Executives Association,

National Confederation of Officers Associations,

Al l India Bank Pensioners and Ret irees Confederation,

Confederation of All India Traders,

All India KisanSabha,

All India Democratic Women's Association,

Wada Math thodo Abhiyan,

Centre for Financial Accountability,

Centre for Budget and Governance Accountability,

National Fish Workers Forum,

Mazdoor Kissan Sangarsh Samiti, and many more.

It also has retired IAS officers like Mr. M.G. Devasahayam and Mr. S. P. Shukla and many academicians like Dr. T. S. Ramakumar, Dr. Archana Prasad, Dr. Dinesh Abrol, Dr. Praveen Jha, Dr. AtulSood, Dr. DushyatChavan, Journalist Dr. P. Sainath and many more. The National Platform has decided to launch the campaign at Kanyakumari on 19th August followed by launches at Ahmedabad, Nagpur, Trivandrum, Hyderabad, Kolkata, Guwahati and Nagaland.

The Forum has appealed to all organisations who want to debate India's Development to join.

BEREAVEMENT1. Com.M.Ramarajan, Branch Manager, Kurumbur branch lost his

father on 27.07.2017 at Tiruchendur.

2. Com.R.Soocrates, Manager, SARB, Madurai lost his mother on 31.07.2017 at Chennai.

3. Com. Nalini C, Manager ZIO Chennai lost her father on 03.08.2017.

4. Com. V.M. Kaushik, CM Udhagamandalam Branch, lost his father on 26.06.2017 at Mysore.


UNITED FORUM OF BANK UNIONS (UFBU) - DECLARES STRIKE

Demands:

1. Do not privatise Public Sector Banks

2. Stop plans of mergers and consolidation of Banks

3. Do not write-off corporate Non Performing Assets (NPAs)

4. Declare willful default of Bank loans as criminal offence

5. I m p l e m e n t r e c o m m e n d a t i o n s o f Parliamentary Committee on recovery of NPAs

6. Ensure accountability of Top Management/ Executives for bad loans and put in place stringent measures to recover bad loans

7. Withdraw proposed Financial Resolution and Deposit Insurance (FRDI) Bill

8. Abolish Banks Board Bureau

9. Do not pass-on the burden of corporate NPAs on Bank customers by hiking charges

10. Do not increase service charges in the name of GST

11. Reimbursement of cost of demonitisation and other Government Schemes to Banks by the Government

12. Settle issues of employees and officers connected with demonitisation scheme.

13. Immediately fill up posts of Employee/Officer Director(s) in Bank(s)

14. Implement Compassionate Appointment Schemes in Banks as per Government guidelines.

15. Removal of Gratuity Ceiling under Payment of Gratuity Act, 1972 & Total Exemption of I n c o m e Ta x o n G r a t u i t y a n d L e a v e Encashment on retirement

16. Pension related issues Improvements in Pension Scheme similar to RBI/Central Government including for past retirees - Extension of erstwhile Pension Scheme in

banks in lieu of NPS -Follow-up of Record Note dated 25.05.2015

17. Adequate Recruitment in all cadres

The meeting of United Forum of Bank Unions (UFBU), an umbrella body of nine trade unions in banks, held at Mumbai on 28th June 2017 has decided to strike work on August 22 against Government's attempts to destroy the Banking Sector. So many developments are taking place in the banking sector in the name of implementing banking reforms agenda of the Government. Instead of taking urgent remedial measures to recover the alarmingly increasing bad loans in the Banks, which are threatening to drive the Banks into a serious crisis, the steps like MOU, Prompt Corrective Action(PCA), Financial Resolution and Deposit Insurance Bill (FRDI), NPA Ordnance, Insolvency and Bankruptcy Code (IBC), etc. are only aimed to clean the Balance Sheets at the cost of the Banks which represent the hard earned savings of the people rather than to recover the money. On the other hand, while denying the Public Sector Banks of adequate capitals thus restricting their business expansion, licenses are being given freely to the corporate houses to open private banks, small banks, payment banks, etc. thus weakening the Public Sector Banks. Very tough measures are required including criminal action on willful defaulters to recover the huge bad loans given to the corporate houses, big business and top industrialists. It was also observed that the burden of the corporate NPAs are put on the shoulders of the common public and banking clientele in the form of hike in fees, charges, penalties, reduced interest rates on retail deposits, etc. for every type of normal banking services.

UFBU has also asked the government not to increase service charges in the name of Goods and Service Tax (GST), which has already been rolled out. It has raised tax from 15% to 18% for all services offered by banks.

Government has recently merged five associates with SBI and there are talks of the second round of consolidation among state-owned banks which may materialise by the end of the current fiscal.There are 21 state-owned banks in the country at present. India's

India Strike on 22 August 2017


banking sector is saddled with NPAs or bad loans amounting to Rs 8 lakh crore, of which around Rs 6 lakh crore is accounted for by the state-owned banks alone.

UFBU demands an immediate stop to the moves aimed at merger and consolidation of banks and which ultimately end up in privatization.The Financial Resolution and Deposit Insurance (FRDI) Bill in its current form is another matter of concern. Bank officers and employees together demand to scrap this bill.

Ahead of August 22, the UFBU has kick started the agitation from July 19, the Bank NationalisationDay, by observing as “SAVE PUBLIC SECTOR DAY”.

Agitation programs are charted out as follows:

03.08.2017 � Centralised Demonstrations & Rallies at all Centres


15.08.2017 to Press Meet at all State Capitals

21.08.2017� � th

Between 5 Aug. Mass Conventions in Mumbai, ndAug. to 22 Aug.�Delhi, Kolkata and Chennai. .


18.08.2017� Dharna at all State Capitals

21.08.2017 � Badge-wearing and Lunch Hour/ after office hours Demo

22.08.2017 � ONE DAY ALL INDIA BANK STRIKE

15.09.2017 Morcha&Dharna at JantarMantar and Procession to Parliament House, New Delhi

Let us all gear up and make the agitation a grand success

AIBOC NATIONAL YOUTH CONVENTION IN KOLKATA ON 26TH & 27TH AUGUST

When India is set to become India is set to become the youngest country in the world with the median age of 29 years, AIBOC has embarked on a mission to involve a larger section of the youth in Association activities and develop future leadership to carry forward the legacy of our mighty organisation.,. A National Youth Convention is planned to be held at Kolkata on 26th & 27th August, 2017.

The 2 day National Youth Convention, the first of its kind, in the history of the Confederation is being organized with the primary focus of raising awareness among young officers about the need to stay consolidated, united and to make them aware of the socio-economic-political scenario of the country. This would be an ideal platform to exhibit their potential leadership qualities and showcase their talents in various spheres in front of the central leadership. Members below 35 years shall be the participants .

A Facebook page has been created for the event : http://www.facebook.com/groups/nyc17.

WEDDING BELLS

Sow. Kartheba, AM(S), LHO married Chi. Guruprasad on 19.06.2017 at Tuticorin.

Chi. Kandasamy K , Asst. Manager CAG married Sow. Sivasankari C on 29.06.2017 at Madurai.

Sow. Martina Arthi A, DM Ayapakkam branch married Michael Cain R J on 05.07.2017 at Chennai.

Chi. Arunkumar V, S/o Vellayampillai AKA, DM, Zonal secretary Sivaganga married Sow. Dr. Preethi C on 19.06.2017 at Palani.

Sow.S.Bargavi, D/o.Com. Selvraraj C, CM, Srivilliputtur branch married Chi. Prem Kumar S on 03/07/2017.

Sow. Dr Keerthana K D/o Kanagarajan R, CM LHO married Chi. Nishant Balasubramanian on 16.07.2017 at Chennai.

Chi. B Arun Shankar, S/o. Balasubra-manian S, Mgr HR Zo, Chennai married Sow. Bhuvana S on 26.06.2017 at Chennai

Sow. Dr Keerthana K D/o Kanagarajan R, CM Lho married Nishant Balasubramanian on 16.07.2017 at Chennai.

Sow. R. Divya D/o Com. N. Ravi, DM, Zonal Office, Coimbatore, married Chi. S. Boopathy on 01-07-2017 at Combatore

Chi. E.K. Hemanand, S/o Com. N. Ramila, DM, G.H.Road Branch, Erode married Sow. M.K. Jayapriya on 03.07.2017 at Erode.

SBIOA (CC) Wishes a very happy married life to the newly wedded couples.


YOU SHOULD KNOW

Reimbursement of Entertainment Expenses

I. The entitlement for reimbursement of Entertainment expenses will be solely on the basis of role type in the CDS, as under:

Role Type Description

CategoryI = Budgetary

CategoryII = Measurable

CategoryIII = Non Measurable

II. Entitlement will be decided on quarterly basis as per major CDS role held during the period. Entitlement for the FY will lapse as on 30th April of the next FY and no extension will be granted.

III. The Official will be entitled for reimbursement of Entertainment expenses for the full quarter, if he/ she is present in the office for any part of the quarter during Sabbatical Leave.

IV. Officers on Deputation to other Organizations/ Associates & Subsidiaries/ GOI; Probationary Officers/ Trainee Officers; Medical Officers; and Roles/ Assignments where position is not set in CDS/ HRMS; shall be covered under the CategoryIII.

V. Officers retiring during the year will be entitled for the reimbursement of Entertainment expenses only up to and inclusive of the quarter in which they retire.

Circular No. : CDO/P^HRD-PM/31/2017 – 18 Date : Wednesday - 12th July 2017.

******************************************State Bank of India Employees' Defined Contribution Pension Scheme (SBIEDCPS) inclusion of special pay in the mandatory contribution under National Pension System

1. As per the extant guidelines, 10% of Basic Pay plus Dearness Allowance on it is being deducted from the salary of an employee towards the contribution of NPS (employee contribution) and the Bank is making matching contribution (employer's contribution) in NPS on behalf of the employee. The ECCB has approved inclusion of 10 % of Employees' mandatory contribution in Tier I of NPS at the rate of 10% of Basic Pay and Special Pay plus Dearness Allowance on such pay. Accordingly, Bank will make matching contribution as per the extant guidelines. Deductions

in HRMS in this regard will start from salary of June 2017.

Circular No. : CDO/P^HRD-PPFG/23/2017 – 18 Date : Friday 16th June 2017.

******************************************Staff Deposit Accounts: provision for payment of additional interest rate

The one percent additional interest rate is payable in all deposit accounts to employees who have super-annuated at the age of 60 years, but they are not eligible for pension.

Circular No. : CDO/P^HRD-IR/21/2017 – 18 Date : Thursday 15th June 2017.

Acquisition of Associate Banks by SBI computation of “inter –se seniority” of officers:

1. All officers of erstwhile State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore who have opted to continue in the service of State Bank of India ,are placed in the seniority list being maintained on a Circle basis in respect of officers belonging to the JMGS-I, MMGS II and III, and on all India Basis in respect of officers belonging to other Grades .

2. The Bank has approved one-time adjustment given effect to by adding 0/1/2 years for Junior Management & Middle Management/Senior Management/Top Executive grades respectively to the officers of above five Associate Banks, for their first promotion from their present grade existing at the time of merger. For any other purpose for reckoning inter-se seniority, no adjustment shall be made between officers from SBI and those from erstwhile Associate banks . It will not have any impact on emoluments/superannuation or any other related terms & conditions of service.

Circular No. : CDO/P^HRD-PM/24/2017 – 18 Date : Monday 19th June 2017.

******************************************

Sanction of Staff Loans and advances to staff of e-ABs/e-BMB similar to SBI staff loans w.e.f 01.04.2017

The loans and advances availed by the ABs and BMB employees prior to acquisition will continue on the


contracted terms and conditions, till repayment”. All employees of e-ABs/e-BMB shall be eligible to take Housing loan, Vehicle loan, Personal Loan, Computer loan Education loan to the wards of staff and Festival advance as per the approved terms and conditions of SBI.

Iindividual Housing Loan Scheme (IHLS)

The ceiling amount and interest rates will be effective to all new loans under IHLS sanctioned on or after the date of merger of e-ABs/e-BMB with SBI i.e. w.e.f. 01.04.2017. Where an employee of e-AB has raised an Individual Housing Loan for an amount of less than the existing ceiling as per SBI, the remaining amount may be availed for purchase/renovation/repair of flat/house within overall ceiling. In case an employee of e-AB has raised additional housing loan from

the Bank or other verifiable sources at commercial rates, he/she may be permitted to avail of the housing loan up to his/her revised entitlement for repaying such loan as per Banks' terms and conditions.

Circular No. : CDO/P^HRD-PM/32/2017 – 18 Date : Wednesday - 12th July 2017.

******************************************NRI SERVICES: FCNR (B) DEPOSITS WAIVER OF PREMATURE PENALTY PROVISIONS:

The Bank has decided to waive the penalty provisions at the time of premature payment of FCNR (B) deposits subject to the undernoted conditions:

(a) Interest on premature payment will be paid by the bank only for the period, FCNR (B) deposit has remained with the Bank.

(b) Above interest will be paid at the rate prevailing at the time of opening the related FCNR (B) deposit account.

(c) Since minimum period of FCNR (B) deposit prescribed by RBI is one year, no interest will be paid on premature payment of FCNR (B) deposit if it is paid within one year from the date of deposit.

Circular No. : NBG/PBBU/NRI-DEPOSIT/11/2017 -18 Date : Tuesday - 11th July 2017

******************************************S M E B U S I N E S S U N I T D E S I G N AT I N G BRANCHES AS 'SME INTENSIVE BRANCHES' CLARIFICATION

Please refer to our e-Circular no. NBG/SMEBU-LIP/15/2017–18, Sl. No. 296/2017-18 dated 21.06.2017 wherein 1248 Branches have been designated as “SME Intensive Branches”.

2. The identified SME intensive Branches should not be given budgets related to other segment (Per, Agri, etc.) business. Focus and thrust to be given for growth of SME business and cross-selling / up-selling to SME clients only.

3. The Circle Management Committee (CMC), based on business considerations may exempt the following category of Branches from the above stipulation and allow the Branches to cater to other business segments as well:

Large / Main Branches having separate SME division headed by an official not below the rank of Chief Manager “or” having 10 or more accountshandled by RMME (posted at the Branch).

Circular No. : NBG/SMEBU-LP/20/2017 – 18 Date : Tuesday - 11th July 2017.

******************************************INTERNET BANKING / STATE BANK ANYWHERE PERSONAL FUNDS TRANSFER USING QUICK TRANSFER FACILITY

The daily limit of Quick Transfer facility was increased from Rs. 10,000/- to Rs. 25,000/- with per transaction limit capped at Rs. 10,000/-.

Service Charges : Charges as applicable for IMPS / NEFT transactions.

Payment to : SBI and other bank accounts

Circular No: CS&NB/CS^NB-DIGITAL BA/17/2017 – 18 Date : Thursday - 13th July 2017.

******************************************

OPENING OF SAVINGS BANK ACCOUNT WITH AADHAAR AS KYC DOCUMENT

Government of India vide gazette notification No. 439 dated 1st June 2017 has amended certain provisions of Prevention of Money-laundering (Maintenance of Records) Rules 2005.

2. The salient features of the above notification in respect of opening of new accounts are as under:

a) In case of an individual, who is eligible to be enrolled for an Aadhaar number, he shall submit the Aadhaar number issued by UIDAI and PAN or Form


60 at the time of opening an account based relationship w.e.f. 01.06.2017.

b) All new accounts are required to be opened with Aadhaar and Permanent Account Number (PAN) or Form 60 as KYC document.

c) However, where Aadhaar number has not been assigned to an applicant, the applicant shall furnish proof of application of Enrolment for Aadhaar and in case PAN is not submitted, one certified copy of an Officially Valid Document (OVD) along with Form 60 is required.

d) In case the applicant is not a resident or is a resident in the states of Jammu and Kashmir, Assam or Meghalaya and does not submit the PAN, he shall submit one certified copy of OVD containing details of his identity and address and one recent photograph.

e) The extant instructions regarding opening of small account will continue.

Circular No. : NBG/PBU/LIMA-SB/9/2017 – 18 Date : Friday - 14th July 2017.

******************************************

GOODS AND SERVICE TAX (I.E.GST) ON FOREX TRANSACTIONS:

New slabs for calculation of taxable value for sale and purchase of foreign currency is given below w.e.f. 1st July, 2017.

1 Upto = 1% of Gross amount of 18% of Rs.1,00,000 currency exchanged subject taxable to minimum of Rs.250 value

2 Between = Rs.1000 + 0.5% of Gross of forex Rs.1,00,000 to amount of currency exchan- transaction Rs.10,00,000 ged exceeding Rs.1,00,000 as derived in upto Rs.10,00,000 column

3 Above = Rs.5500 + 0.1% of Gross Rs.10,00,000 Amount of currency exchanged exceeding Rs. 10,00,000 maximum of Rs.60000� Circular No. : GMUK/GMU/SP-MISC/32/2017 – 18 Date : Friday - 14th July 2017.

******************************************

QUARTERLY RESULTS REPORT (QRR)

The revised instructions with regard to analysis and submission of review of performance, for listed companies, based on QRR are as under:

In the case of all listed companies, a brief review is to be put up on the basis of quarterly working results published by them in the QRR format, duly incorporating comments such as extent of exposure, conduct of the account etc. Such review is to be submitted

(a) to the Heads of Verticals in respect of ECCB sanctions,

(b) to the CGM (Circle) / CGM (CAG) / CGM (MCG) / CGM (SAMG) in respect of WBCC & CCCC sanctions and

(c) to the GM (Network / MC Region / SAMG) in all other cases.

Circular No. : CCO/CPPD-ADV/32/2017 – 18 Date : Friday 30th June 2017.

******************************************IMPLEMENTATION OF RBI GUIDELINES ON C E N T R A L K N O W Y O U R C U S TO M E R REGISTRY(CKYCR)

As per CKYCR guidelines , the data (Customer Informat ion, Photograph, Signature , KYC Documents) in respect of all account based relationships established by the Bank are required to be uploaded on CKYCR portal within T+2 days of such establishment of relationship. Account based relationship includes all types of loan accounts, non fund based accounts like Bank Guarantee, Letter of Credit etc. and all type of deposits accounts. Customer Information Sheet (CIS) in respect of individual borrowers has to be obtained from individual borrower for creation/updation of CIF, while opening of the loan/BG/LC account. CIS in respect of Non-individual borrower ,( the CIS format is not yet approved )

2. CIS in respect of both individual and non-individuals needs to be superimposed on the Loan/BG/LC application form in case of existing as well as from prospective borrowers for all types of loan accounts (including non-fundbased accounts), as per revised CKYCR template. Incidentally, updating the CIF as per CIS will also serve the purpose of

Gross amount of foreign currency

exchanged

Taxable value of forex transactions under gst

rate of gst @ 18%


complying with the requirement of periodical updation as per risk categorization.

3. On operationalisation, activation of accounts will take place only after the scanned images of AOF (deposit accounts) / CIS (loan & other non-fund based accounts) along with KYC documents are sent to LCPC, immediately after creation of CIF, through the interface and approved by LCPC after second scrutiny.

Circular No. : CCO/CPPD-SYSTEM PROC/30/2017 -18 Date : Wednesday 28th June 2017.

******************************************

MERGER OF ASSOCIATE BANKS (ABS) AND BHARATIYA MAHILA BANK (BMB):

CLARIFICATION ON INTEREST RATE LINKED TO BASE RATE CLARIFICATION

a. Treatment of Interest rates linked to Base Rate:

All borrowers are to be advised that, as a onetime measure on account of merger, interest rates of their account are linked with BR of SBI, by tweaking the spread, to maintain the effective rate on the date of merger. Subsequent upward or downward movement in BR of SBI will be passed on to them. Borrowers are to be advised and their consent is to be obtained and

kept on record.

b. Due Date of renewal of multiple limits (of e-ABs/e-BMB ) under MBA/ Consortium:

In case of MBA / Consortium arrangement, post merger, the accounts of e-Abs and e-BMB are maintained as separate accounts till renewal of all limits. The limits maintained with different banks have different due dates of renewal. It has been decided by appropriate authority that the renewal of all limits should be carried out on the earliest of the due dates of all limits (of SBI / e-ABs/e-BMB). In case renewal of limits is not possible due to reasons beyond the control of branches, continuation of limits at existing level may be sought using the simplified format circulated vide Circular No CCO/CPPD-ADV/118/2015-16 dated 16.05.2015.

All other terms and conditions of the credit facilities will remain unchanged till renewal/ review of limit except the interest rate which gets reset after one year from date of disbursement / renewal.

Circular No. : CCO/CPPD-ADV/28/2017 - 18Date : Thursday 22nd June 2017.

******************************************

Regular

1 Com.Anbarasan Madhavan DM Madurai

2 Com.Aravamudhan N Narasimhan Mgr ZO Chennai

3 Com. Arul Raj Stephan Raj DM Tirupur

4 Com. Dhayalan Vadivel DM SME Tiruvanamalai

5 Com. Elangovan G Mgr RBO-6 Tiruvannamalai

6 Com. Jaganathan Kattoor Nallappan DM SECC Coimbatore

7 Com. Krishnakumar A CM RBO-I Chennai

8 Com. Krishnamoorthy V AGM ZO Coimbatore

9 Com. Krishnan M CM RACPC MRC Nagar

10 Com. Muthukrishnan K CM RBO, SCE-I, CHE

11 Com. Nachimuthu Ramasamy DM Olagadam

12 Com. Nagarajan Muthusamy Pillai AM Vadaserry

13 Com.Paranjothi Sivaprakasam Mgr SAMB Coimbatore

14 Com.Paul Victor Raj Pragasam DM AyamplayamADB

15 Com. Ramu Nallu DM Thyagarayanagar

16 Com. Srinivasan R AM RASECC, Madurai

17 Com.Sromovasaraka DM Lalgudi

18 Com. Subramanian Avudainayagam CM Tuticorin

19 Com. Venkatesan K DM Valasaravakkam

JULY- 2017

S/Shri Name BranchDesignation

JULY - 2017

S/Shri Name BranchDesignation

RETIREMENTS

SBIOA (CC) wishes the above comrades a very happy, healthy and peaceful retired life.

SBIOA (CC) wishes the above comrades a very happy, healthy and peaceful retired life.


SBIOA(CC) Congratulates the following comrades 0n their meritorious promotion:‐

1� Com.�Abdul Kareem Abdul Kader� RBO, CHINGLEPUT

2� Com.�Achu R Chandran� Vadiveeswaram

3� Com.�Akshay Soni� Tiruchirapalli

4� Com.�Amarnath Reddy Badvel� Kelambakkam

5� Com.�Amit Kumar Saini� TFCPC CHENNAI

6� Com.�Anandh Radhakrishnan� OB, Chennai

7� Com.�Anbarasu R� IFB, Chennai

8� Com.�Anish Devaraj� RAJAPALAYAM

9� Com.�Arumugaraj R A� NRI Vellore

10� Com.�Aruna Bastin Singam� Erumaipatti

11� Com.�Aswathy Sudevan� RACPC, Aypthgal

12� Com.�S BALAJI� TIRUPUR

13� Com.�Balamurugan Kannan� Arni

14� Com.�Balasubramanian V� RBO, PUDUCHERRY

15� Com.�Baskaran Arumugam� Sulur Town

16� Com.�Baskaran R Ramar� TENKASI

17� Com.�Bhaskaran Krishnan� CPPC Chennai

18� Com.�Bijeshmon B� RBO-I, COIMBATO

19� Com.�Chinchu Anand� C.A.G. Chennai

20� Com.�D KALAIVANI Karuna R K� Solur

21� Com.�D S Krishnakanth� RACPC, MRC Naga

22� Com.�Dhanasekaran Mari� Pondicherry ADB

23� Com.�Elavalagan R Ramanathan� SMECCC EKKATTUT

24� Com.�Gokul Pradeep P� MANUR

25� Com.�Gopal S� Kattumannarkoil

26� Com.�Govindarajan Kumaraswamy� RBO-IV, Tiruchi

27� Com.�Hari Ramakrishnan Senniappan� KUTCHERY RD CHE

28� Com.�J Antony Gnana Rajesh� Velacherry

29� Com.�Jibeesh N� P.N ROAD, TIRUP

30� Com.�Jisha T� SME, ERODE

31� Com.�Joyson Koothoor Chakko� MADRASALWARPET

32� Com.�Kamalakannan Govindarajulu� Moolakadai

33� Com.�Kanagaraj Chellapandian Chellapandian� SER BR MADRAS

34� Com.�Kanagaraj murugesan� ZO Tiruchy

35� Com.�Karthikeyan Natarajan� RASECPCPondi.

36� Com.�Kishore Prabhakaran� ZO Coimbatore

37� Com.�KRISHNAN MURALI BABU� SALEM

38� Com.�Kumar P� RASECC, MADURAI

39� Com.�Kumaravel Malaikolunthu� JAMALIA

40� Com.�Kumaresan Murugesan� Rasipuram

41� Com.�Kunnath Sooraj Sankar� TIRUPUR

42� Com.�MADHAN RAJAN S� LHO Chennai

43� Com.�Madhava Dibbi� T Nagar-Chennai

44� Com.�Madhu Soodhanan Nair� CCPC,Chennai

45� Com.�Maheswaran R Ramugopal� POOMPUKAR NAGAR

46� Com.�Malarvizhi M� Nagapattinam

47� Com.�Manikandan Panchanathan� RBO-I, TIRUCHIR

48� Com.�A. MANIRAJA� AdmOffice,Salem

49� Com.�MANOJ KUMAR BEHERA� Tambaram

50� Com.�Megha Manomohan� MADRAS T' NAGAR

51� Com.�Meghana Prabhu� PAPPANAICKEN

JMGS - I to MMGs II 52� Com.�Mohamed Ilyas� LeatherIB,Chenn

53� Com.�Mohamed Moideen A Syed meeran� Vadavalli

54� Com.�Murugesan Kumarsamy� Palani

55� Com.�Muthukumar N� Nangavalli

56� Com.�Muthuraman M� Alangudi

57� Com.�N.Senthil K.Natarajan� Ramalinga Nagar

58� Com.�Nagadinesh S� REDDIPALAYAM

59� Com.�Nirmala Devi Robert� Adyar

60� Com.�P G Murlikrishnan� Valluvar Kottam

61� Com.�Padma Sri Venkatagiri� LeatherIB,Chenn

62� Com.�PRADEEP M� ODANTHURAI

63� Com.�Praveena Sape� Chennai -IFB

64� Com.�Prem Chandra� ERODE

65� Com.�C PRIYADHARSHINI� Coimbatore AR

66� Com.�Rafi Sheriff Yusuff� Kodungaiyur

67� Com.�Ragunathan K� Manamelkudi

68� Com.�Rajasekar R� BHOOTHAPANDY

69� Com.�Rajasekaran L� RACPC, MRC Naga

70� Com.�Rajesh R R Rajayyan� KANNUMAMMOODU

71� Com.�Rajeswari Balasubramanian� RBO-I, CHENNAI

72� Com.�V.RANJANI Anbumani� MOGGAPAIR(WEST)

73� Com.�G Raman� OverseasBr.Tiru

74� Com.�Ramesh Chinnasamy� ZO Chennai

75� Com.�Ramesh Kumar S� BROADWAY,CHENN

76� Com.�Ramesh.M Muthan.M.K.� SSI Br., Kurich

77� Com.�Rameshkumar Duraisamy� Mayiladuthurai

78� Com.�S Vijaya Kumar� TFCPC, CHENNAI

79� Com.�Sai Kausalya Senthilkumar� Coimbatore

80� Com.�Sampoornam Jayabal� Thyagarayanagar

81� Com.�Sankaranarayanan Ramamurthy� Gopalapuram

82� Com.�Santhosh Kumar Sreedharan Pillai� Tiruvannamalai

83� Com.�Saranya Parthasarathy� RBO-IV, MADURAI

84� Com.�Sarath Manohar� RedFieldCoimbat

85� Com.�Sarun V K� ENIAM

86� Com.�Sasikala P� Alapakkam

87� Com.�Sathish Kumar Iyyappan� Virudhunagar

88� Com.�Senthil Kumar Pattabi� TFCPC CHENNAI

89� Com.�Shanthi W� Ambattur

90� Com.�Sheela I.� Coimbatore

91� Com.�Shyamala N� Kellys,Chennai

92� Com.�Sibi Chakravarthy K� Mettupalayam

93� Com.�Sivagnanam R� RASECC, MADURAI

94� Com.�Sivakumar R G� Jayamangalam

95� Com.�Sivamohan Madhavan Nair� (Scab) Branch

96� Com.�SIVARAMAKRISHNAN T� COIMBATORE

97� Com.�Smita Bhagat� Whites Road

98� Com.�Sreepriya S� Ambasamudram

99� Com.�Sripriya Sridhar� Omalur

100� Com.�Srividhya S� Peravurani

101� Com.�Subramaniam Krishnamoorthy� Dindigul

102� Com.�Subramanian Malayappan� CB, Coimbatore

103� Com.�Sudaroli S� GST Road, Chenn

104� Com.�SUDEESH KUMAR P S� CoimbtTrichy Rd


105� Com.�Suja M D� SAMB Coimbatore

106� Com.�Sundarachariyar K� Pondicherry

107� Com.�Sundararajan R Ramakrishnan Naidu� SHENCOTTAH

108� Com.�Suresh R� Nellankarai

109� Com.�Thamaraiselvi Rajamanickam� TirupapuliyurCu

110� Com.�Thirumurugan Ramalingam� PICHANUR

111� Com.�THIYAGARAJAN .� TIRUPUR

112� Com.�V S Muraleedharan Pillai� NAGERCOIL

113� Com.�Vasugi Subbiah� MaduraiKamarajV

114� Com.�Vedachelam V S� MADRAS ANNANGR

115� Com.�Vengatesan K� Kulithalai

116� Com.�Venkitachalam VS� Tirumullaivoyal

117� Com.�Vidhya T� CB, Coimbatore

118� Com.�Vijaya Rama Raju Uppalapati� HARITA

119� Com.�Vijayakumar Muthugopurathinam� Saidapet

120� Com.�Vinesh Praveen C� SECC,COIMBATORE

121� Com.�Vishnu J� THENGAPATTANAM

122� Com.�Wilson Joy Kodiveetil� TFCPC,COIMBATOR

123� Com.�Chandira G� LCPC Chennai

124� Com.�Karunakaran K� DAC Salem

125� Com.�Murali K� RASECC,Tiru'pal

126� Com.�Thappali Ramachary Niranjan Lal� RASECC,Tiru'pal

127� Com.�Venkateswara Swamy Ketha� Indira nagar

MMGs II TO MMGs III

1� Com.�Aakash Srivastav� Siruthozhil Vellore

2� Com.�Aanchal Bhargava� MADAVARAM

3� Com.�Aathira R V� EZHUDESAM

4� Com.�Ajin Raj� ZO Chennai

5� Com.�Ajith Antony Augustine� Tuticorin

6� Com.�Ajith M Arayamparambil� VELLIANKADU,COI

7� Com.�Ambili C R� Vartharajapuram

8� Com.�Amuthan A� ELAYIRAMPANNAI

9� Com.�ANAND K A K� RBO, THANJAVUR

10� Com.�Ananth R� RBO-IV, MADURAI

11� Com.�Ananthanarayanan Gengireddiyar� Kolathur Salem

12� Com.�Anbu Chenthur Pandian Rajeswaran� Thanichayam

13� Com.�Anees Fathima Mujeepur Rahman A� VallamThanjavur

14� Com.�Aneesh krishnan� PALANICHETTIPAT

15� Com.�Anju R� Palayamkottai

16� Com.�ANJU V R� GOBICHETIPALYAM

17� Com.�Ankamuthu SadhasivamA� CB, Coimbatore

18� Com.�Anoop Mohan� Avarapalayam

19� Com.�Anoop Ravindran� SECC,COIMBATORE

20� Com.�Anuradha M� RBO-II, TIRUCHI

21� Com.�Aravind K� ManjakuppamCudd

22� Com.�Aravind Sekhar C I� Aramboly

23� Com.�Archana Prabha A� Chidambaram

24� Com.�Arivumathi Palanisamy� Gandhi Gramam

25� Com.�Arjunan Annamalai� Singipuram

26� Com.�Arul P� Peelamedu

27� Com.�Arumugam N� UTHUKOTTAI

28� Com.�Arumugam Nallaperumal� Tenkasi

29� Com.�Arumugasamy K� OverseasBr.Tiru

30� Com.�Arun Chouthri Balasubramanian� ZO Tiruchy

31� Com.�Arun M. J.� Valangaiman

32� Com.�Arun Raja Ramadoss� IFB, Chennai

33� Com.�Arun Vishnu A S� Manjalu Moodu

34� Com.�Aswathy Vr� Ponneri

35� Com.�Aswini P M� SME Br.Bhavani

36� Com.�Augustine Jacob Chelliah� Krishnapuram

37� Com.�Ayyappan Sadhasivam� Ulundurpet

38� Com.�B M Ganesh� C.A.G. Chennai

39� Com.�Bala Ganesan Krishnan� RBO-I,MADURAI

40� Com.�Balaji G� Ekkaduthangal

41� Com.�Balaji S� SECC,COIMBATORE

42� Com.�Balaji Venkatesan� Mallasamudram

43� Com.�Balakrishnan Rajagopalan� RBO-II, MADURAI

44� Com.�Balamurugan R� Karaikkudi

45� Com.�Balasubramaniam A R� LHO Chennai

46� Com.�Balasubramaniam K� MOGAPPAIR

47� Com.�Balu Mahimairaj Rajiah� Devuthoor

48� Com.�Baskaran Ganesan� Pernamallur

49� Com.�Baskaran Raju� Valparai

50� Com.�Basker P.J� Ekkaduthangal

51� Com.�CHANDIRAN D� DrAlagappaRd CH

52� Com.�Chandraharinidevi V M� BhelMukundaroya

53� Com.�Chitra Puthiran� RACPC OMR CHENN

54� Com.�D VINAYAGAMOORTHY� CHENNAI AMBEL N

55� Com.�Deepa Ganesan� COLACHEL

56� Com.�Deivanayaki S� RmyKelamangalam

57� Com.�Devaraj S� KAVUNDAPADI

58� Com.�Devendiran Srinivasan� ZO Chennai

59� Com.�Devi C� Tenkasi Town

60� Com.�Dhanasekaran P� Mookandapalli

61� Com.�Dhyuthilal E S� Ketti Valley

62� Com.�DINAKARAN S.C� CB Tirupur

63� Com.�Dinesh Kumar Marimuthu� SECC,COIMBATORE

64� Com.�Dinesh Kumaran G� Vellalur

65� Com.�Dinesh R� AVANASHI ROAD

66� Com.�Dinoop S� Kovilpatti

67� Com.�Divya M S� Pondicherry

68� Com.�Durai Raj Thangam� Palavoor

69� Com.�Durairaj A� Nambiyur

70� Com.�Emanu C� RBO, THANJAVUR

71� Com.�Esakki Alias Athilakshmi Srirengan� Surandai

72� Com.�Ezhilarasi S Suriyanathan V� Sainathapuram

73� Com.�G Kasiviswanathan� Keezhanatham

74� Com.�Ganesan Meenakshi Sundaram� ZO Madurai

75� Com.�Ganesh Kumar S� CB Walajapet

76� Com.�Ganesh S� CB Erode

77� Com.�Ganeshan Subramanian� Alangulam

78� Com.�Ganeshbabu Duraimanickam� LHO Chennai

79� Com.�Gayathri Devi A. C.� Nagercoil

80� Com.�Gayathri S� Kambalapatti

81� Com.�Giftson Israel A� Madurai City

MMGs II TO MMGs III


82� Com.�GLADSTON J O� Kuzhithurai

83� Com.�Gobinath K� PERUMANALLUR

84� Com.�Gomathi Suryarao� KATTUPUTHUR

85� Com.�Gopinath K� Edayanchavadi

86� Com.�Gowdhaman C� Murkkeri

87� Com.�Grace Christy C� Kothanallur

88� Com.�Gunavathi Vadivel� Srirangapalayam

89� Com.�Hameethkhan A� ADIRAMPATTINAM

90� Com.�Hari Baskar Shanmugasundaram� Dharmapuri

91� Com.�Hariprasad Mani� Chetpet

92� Com.�J M Lavanya� RASECC,Tiru'pal

93� Com.�JEEJABAI V� Chennai SB

94� Com.�Jeyasaravanan R� GUDALUR

95� Com.�JISHNU VISWANATH .� Coimbatore Sai

96� Com.�JITHIN S NARAYANAN� Mount road

97� Com.�John Austin B� Ponnampatty

98� Com.�K Babu Muthuramalingam� RBO-IV, MADURAI

99� Com.�K Natesan Kasi� Tuticorin Town

100� Com.�K Palani Selvaraj Karunakaran K� PUDUPAKKAM

101� Com.�K SRIVATHSAN� R.S.MANGALAM

102� Com.�Kabilan M� PBB,Villivakkam

103� Com.�Kalaiselvi Veerasamy� 18 M.Rd AnnaNGR

104� Com.�Kalaivani Durairaj� CB Erode

105� Com.�Kalamaheswari Vadivel� Kelleys Chennai

106� Com.�Kalamalini Muthaiyan� Karaikkal

107� Com.�Kannamani R� Hasthinapuram

108� Com.�Kantharaj M� Poigai

109� Com.�Karthikeyan C� CB Walajapet

110� Com.�Karthikeyan Selvaraju� MaduraiKamarajV

111� Com.�Kathirvel P� Theevattipatti

112� Com.�Kattuvalavu Karuppan Mani� RaceCourseBrCoi

113� Com.�Kavita Nadar Stalin Vijayakumar� SAM Br, Chennai

114� Com.�Kavitha Sankari Aravinda Gose� TirupapuliyurCu

115� Com.�Keerthi B� Santhavasal

116� Com.�Kennedy J� Genguvarpatti

117� Com.�KRISHNA V R� WorldUniSerCent

118� Com.�Krishnan Sundaresan Venkata� Anthiyur

119� Com.�Kurusave Pondurangan� AurovilleIntTow

120� Com.�L N SHASHIDHAR� GUMMIDIPOONDI

121� Com.�Lakshmi Janarthanan� RBO-IV, Tiruchi

122� Com.�Lakshmi T.� CB Walajapet

123� Com.�Lakshmikanth M� Vanapuram

124� Com.�Latha S K� Agnitio Park

125� Com.�Latha.P.K. Sasi Kumar.S.� Vanagaram

126� Com.�Lavanya Prasanna Pulivarthi� Gingee

127� Com.�Lavanya Venkatachalam� Rajiv Gandhi Sa

128� Com.�Madhan S� ARCOT RD PORUR

129� Com.�Madhusudhan Guduri� ORAGADAM CN

130� Com.�MAHENDIRAN MANICKAM� Pudukottai Town

131� Com.�Malathy Thiruppati� Tiruvallur

132� Com.�Mandavi Sinha� NRI BrVelachery

133� Com.�Mani Mariappan� Kannankurichi

134� Com.�Manikala M� URBAN, CN

135� Com.�Mannu S� RBO, SCE-I, CHE

136� Com.�Manohar Ramamoorthy� Muthupet

137� Com.�Manoharan Rangarajan� Kodaikanal

138� Com.�MANOJ NILKANTH GAIKWAD� Chennai SB

139� Com.�Mathialagan Vasudevan� E-treasury Chen

140� Com.�Meena S� RACPC, MRC Naga

141� Com.�Megha Mangalam Vaidyanathan� OGGIYAM DURAIPA

142� Com.�Menaka Kothandam� RBO-II, TIRUCHI

143� Com.� Mohan M� Karumathamptti

144� Com.�Mohan Ramanathan� KARANTHAI

145� Com.�Mohan V� Panjapatti

146� Com.�Mrinalini Ponnath� Nagavedu

147� Com.�Murali Krishnan M� Desur

148� Com.�Murali Manickam� SAM Br, Chennai

149� Com.�Muralidharan Narayanan� CPPC Chennai

150� Com.�Muralidharan Thyagarajan� OB, Chennai

151� Com.�Murugadoss V� ETTIVEERAM PALA

152� Com.�Murugan H� Bharathinagar

153� Com.�Murugan S� Vikramasingapur

154� Com.�Murugesan P Gesan Parthasarathy� VILLAPURAM

155� Com.�Murugesan Srinivasan� SMECCC EKKATTUT

156� Com.�Murugesan V Vedhapuri P� MOGAPPAIR

157� Com.�N K Ranganathan� CB, Chennai

158� Com.�N Parthiban� Silukkapatti

159� Com.�N Suresh Babu� RSPURAMCOIBTRE

160� Com.�Nagamoorthy Pattu� LHO Chennai

161� Com.�Nagappa Pillai Azhakianambia Pillai� Thadikkarankona

162� Com.�NagaRajanR Ramasamy� Aruppukkottai

163� Com.�Nambi Arooran K� KUMARANKUDI

164� Com.�Narasimman K� Neyveli

165� Com.�Nataraj Subramanian� CB, Coimbatore

166� Com.�Natarajan Chandramouleeswaran� Kangeyam

167� Com.�Nateshkumar Ramadass� SME VIRUDHUNAGA

168� Com.�Neeraj Sharma� RmyPennagaram

169� Com.�Nidhi Sasi S� Karimedu

170� Com.�Ninu Soman� KEERANATHAM

171� Com.�Nirenjana Muralidharan� OB, Chennai

172� Com.�Nirmala Rukmani S� Villupuram ADB

173� Com.�Nisha Menon� Saidapet

174� Com.�Nithya Lakshmi Ramaswamy� Melur

175� Com.�Nithya S� Karur

176� Com.�Oliver S� ARAVAKURICHI

177� Com.�P Sankar� Perumalpuram

178� Com.�Palanikumar R� DHALAVOIPURAM

179� Com.�Paranitharan R� LHO Chennai

180� Com.�Parthiban S� ZO Coimbatore

181� Com.�Parvathi Chitra Meenakshisundaram� Ambasamudram

182� Com.�Paulamee Sinha� Arkonam

183� Com.�Pavanasam B� Palayamkottai

184� Com.�Prabha K K� RACPC OMR CHENN

185� Com.�Prabhakaran P� RASME.SARCVel

186� Com.�PRABHAVA KIRAN CHANDANA� Salem

187� Com.�PRABHU KIRAN TADI� RO CHENNAI

188� Com.�Prabu Sankar M� UTHUKULI

189� Com.�Prajith S R� KAYARAMBEDU

190� Com.�Praveen C� Coimbatore


191� Com.�Praveen Kumar Maruthachalam� Padur

192� Com.�Praveena Selvaraj� Paruthipattu

193� Com.�Preetam Kumar Verma� TIRUVERKADU

194� Com.�Preeti M� ANAIYUR

195� Com.�Premkumar S� OB, Chennai

196� Com.�PRIJI T A� TRIPLICANE CHEN

197� Com.�Prince Sounderraj P� Chennai Main Br

198� Com.�Prisca Jesaiah� Vivekanandapura

199� Com.�Purushothaman Ramamurthy� Mayiladuthurai

200� Com.�R Raj Mohan� PATTUKKOTTAI TN

201� Com.�Radjarame Vengadessane� Palakurichi

202� Com.�Raghav Ranjan Choudhary� Bhuvanagiri, Ch

203� Com.�Raghuraman P� RBO-I, CHENNAI

204� Com.�Rahul Allaparambil Sasidharan� Solur

205� Com.�Rahul N� RBO-IV, MADURAI

206� Com.�Rajagopal Vijayakumaran� IFB, Chennai

207� Com.�Rajamani G� AnuvijayTownshi

208� Com.�Rajamanickam Arunachalam� Kottapatti

209� Com.�Rajan S A� ZO Chennai

210� Com.�Rajasekaran Bala Subramanyan� OB, Chennai

211� Com.�Rajasekaran Muthukumarasamy� SARC, CHENNAI

212� Com.�Rajeev Menon� CB Tirupur

213� Com.�Rajesh Packiaraj� ByePassRd Velac

214� Com.�Rajini Kanna P� Palayamkottai

215� Com.�Rajkumar C� SARC, CHENNAI

216� Com.�Rajkumar K C� Cumbum ADB

217� Com.�Rajkumar U� KAMUTHI

218� Com.�Rakesh S� Tirunelveli Tow

219� Com.�Ram Sowmi Raja Ram� SME THIRUMUDIVA

220� Com.�Ramalingam Sankara Narayanan� RBO, TIRUNELVEL

221� Com.�Ramesh A� PADIYANALLUR

222� Com.�Ramesh Babu P� Thirukkanur

223� Com.�Ramesh J.� Paravakkottai

224� Com.�Ramesh K� Valajanagaram

225� Com.�Ramesh Kumar R� CB Tirupur

226� Com.�Ramesh Marambedu Thirunavukarasu� Siruthozhil , K

227� Com.�Ramesh P� Tiruchirapalli

228� Com.�Ramkumar B� LHO Chennai

229� Com.�Ramprasad Gopalan� RBO, CHINGLEPUT

230� Com.�Ramya Govindaraj� NRI Vellore

231� Com.�Rangan K� MECHERI

232� Com.�Rangarajan Pranatharthi Hara Sharma� Kolappalur

233� Com.�Ranjitekumar P P� Woraiyur

234� Com.�Reena K� Thingal Nagar

235� Com.�Ritesh Narayanpur� LHO Chennai

236� Com.�Robinson A� MUTHUNAGAR

237� Com.�Robinson Alfred Jayaraj� RBO-IV, MADURAI

238� Com.�Roopesh Dogar� Walajabad

239� Com.�S.Lakshmanan shanmugam� Royapuram

240� Com.�SAKTHIVEL P� OB, Chennai

241� Com.�Sambath Kumar Chandrasekaran J� CB Madurai

242� Com.�SamuelRaj Sundararaj� ZO Madurai

243� Com.�Sandeep A� CB Tirupur

244� Com.�Sandeep K� CB, Coimbatore

245� Com.�Sankaralingam N Narayanan� ZO Chennai

246� Com.�Santhanalakshmi Ravi� RBO, PUDUCHERRY

247� Com.�Saranya S� TVKnagar Chenn

248� Com.�Sarasu C� VANIYAMBADI TOW

249� Com.�Sasikala M� ELAKKIAMPATTI

250� Com.�Sathish Kumar Nagappan� SMECCC EKKATTUT

251� Com.�Sathish Kumar Ravichandran� OB, Chennai

252� Com.�Sathishkumar R. rishnan G R� IFB, Chennai

253� Com.�Sathiya Priya K Ramaia� Varadarajanpett

254� Com.�Sathiyamoorthy Muthu� Udumalpet

255� Com.�Sayed Ajmal Mohamed� KARUR

256� Com.�Selvakumar P� NETHIMEDU

257� Com.�Selvaraj T� Neikkarapatti

258� Com.�Senthamil Selvan Annadurai� ZO Chennai

259� Com.�Senthil Nathan B� KALANGAL

260� Com.�Senthil Vadivou P� K PUDUR

261� Com.�Senthilkumar Chelliah� M.Kallupatti Bo

262� Com.�Senthoor PremAnanth Bargur

263� Com.�Shankari P� Pbb Vellore

264� Com.�Shanmuga Priya Arumugam� LeatherIB,Chenn

265� Com.�Shanmugapriya Thilakaraj� T Kallupatti

266� Com.�Shanmugaraj N� SALAIPUDUR

267� Com.�Shanthi Rengarajan Balaji Ngr,Chen

268� Com.�Shanthi S� GURUVARAJAPLAYM

269� Com.�Sheeba D� KOVILUR (GANDHA

270� Com.�Sheela K B K B� MARTHANDAM

271� Com.�Shiek Ismail Abdul Khader RBO-IV, COIMBAT

272� Com.�Shyamala Sundara Varadhan� Veedur

273� Com.�Siva narayanan T� Nellankarai

274� Com.�Sivakumar Gandhi� Thirumalai,Ngr

275� Com.�Sivakumar K� Old Maha'ram Rd

276� Com.�Sivakumar Ramasamy� Dindigul Town

277� Com.�Sivakumar Thirumal� IFB, Chennai

278� Com.�Sivan N� Tiruchendur

279� Com.�SIVASELVAN V� CHENNAI WR

280� Com.�Somya Puri� THAKKOLAM

281� Com.�Soumya Mohandas� Valmikinagar Ch

282� Com.�Srina K� Vadapalani

283� Com.�Srinivasan Govindaswamy� RACPC, CHENNAI

284� Com.�Srinivasan H� LHO Chennai

285� Com.�Srinivasan Velapakkam Subramaniam� LHO Chennai

286� Com.�Sriramkumar Ramakrishnan� PERALAM

287� Com.�Srividhya C� SMECCC AMBATTUR

288� Com.�Suba M L� PALUGAL

289� Com.�Subhashini Deepak� Medavakkam

290� Com.�Subramanian Shanmugavel� Vilapakkam

291� Com.�Subramonia Pillai M Murugan� KAREGOUNDENPALA

292� Com.�SUCHITA ALICE BARA� RO CHENNAI

293� Com.�Sudalai Sudalai� Tirunelveli

294� Com.�Sudarsan R� Siruthozhil , K

295� Com.�Sudhadharani Arulpandiraj� Ponparappi

296� Com.�Sudharsan Narasimha Moorthy� CB Walajapet

297� Com.�Suganya M� HOSUR TOWN

298� Com.�Suganya M� Nolambur


299� Com.�Suganya Samiya� Villupuram Med

300� Com.�Sujatha Nanjundiah� Coonoor

301� Com.�Sujatha Priyadarshini Muniarasu� Jayankondachola

302� Com.�Sukesh Krishnan S. S.� Gudimangalam

303� Com.�Sulochana C� KEELAPAVUR

304� Com.�Sumeet Gautam� INTCH,Selaiyur

305� Com.�Sundaresan Pasupathy� Purasawalkam

306� Com.�Sundarraj A Alagarsamy� ZO Madurai

307� Com.�Sundhar R K� Yercaud

308� Com.� Suraiya Parveen B� Urapakkam

309� Com.�Suresh Kumar Dhanasekaran� Karimedu

310� Com.�Suresh Kumar Ponnusamy� C.A.G. Chennai

311� Com.�Suresh M� PULIYANGUDI

312� Com.�Suresh R� RACPCCOIMBATORE

313� Com.�Suresh S� Athimanjeripet

314� Com.�Suresh Venkatasubramanian� MC Reg, Chennai

315� Com.�Sureshkumar N S Sivaraman N� Mannargudi Town

316� Com.�Surya Prakash R� DHARMAPURI TOWN

317� Com.�Suvish Vishnu� PERIANAICKEN PA

318� Com.�Swaminathan S� Washermanpet

319� Com.�Swaminathan Subramanian� MC Reg, Chennai

320� Com.�Swaminathan Thiyagarajan SINGAMPUNARI

321� Com.�T BABYRANI� ALANGANALLUR

322� Com.�Thirugnanam Ramamurthy� SMECCC EKKATTUT

323� Com.�Thiruvarangan Thirumoorthy� IFB, Chennai

324� Com.�Uma Maheswari Muthiah� Kovilpatti

325� Com.�Uma Shankari S� VAZHAPADI

326� Com.�V S Sribhuvana� BHEL TIRUMAYAM

327� Com.�Vaidheeswaran Subramanyan� CB Tirupur

328� Com.�Vanitha Natarajan� Rajagopalapuram

329� Com.�Vasanth S D� SILATTUR

330� Com.�Vasantha Priya Murugesan� Lovedale

331� Com.�Venkatachalam V. D� RBO-3 Vellore

332� Com.�Venkatesan Sundararajan� A Mallapuram

333� Com.�Venkatesh J� Tirukkuvalai

334� Com.�VIDHUBALA K� Koyambedu

335� Com.�Vidhya Petchimuthu� SUNGUVARCHATRAM

336� Com.�Vidya Srinivasan� LeatherIB,Chenn

337� Com.�Vijaya Kumar P P� SANKARANKOIL

338� Com.�Vijayalakshmi Venkataraman S� Ganesapuram

339� Com.�Vijayasarathi Jagathrakshagan LHO Chennai

340� Com.�Vikkirama Komaan P.� Elephant Gate

341� Com.�Vimal Selvaraj� Tiruvarur Town

342� Com.�Vinnya Esakkimuthu� Tiruporur CHEN

343� Com.�Vinothini Vijayakumar� ZO Chennai

344� Com.�Viroutambigue Ammalle M� CB Tirupur

345� Com.�Vishnu Priya Thirunavukkarasu� KAVERIPAKKAM

346� Com.�Viswanathan V� Usilampatti

347� Com.�Vizhi P� Narasingapuram

348� Com.�Yogapriya Jayachandran� INTCH,Srvnmpati

349� Com.�Arunachalam S S.Arunachalam� LHO Chennai

350� Com.�Dhyanesh Babu S R� Theni

351� Com.�JAYAPAULMURUGAN M� Papparapatti

352� Com.�Karthikeyan C� ZO Madurai

353� Com.�Sundaresan N� SBLC, T Lights

354� Com.�Thiruvalluvan Kaliyamoorthy Karaikkudi

SMG‐IV TO SMG‐V

1� Com.�Abraham Selvin� Pallipalayam

2� Com.�Alagarsamy R� ZO Madurai

3� Com.�Appavoo B� Comm'l Br Salem

4� Com.�Edward Rajakumar J� Ramanathapuram

5� Com.�GOPINATH V� Guindy

6� Com.�Gunasekaran D� Krishnagiri

7� Com.�GURUMURTHY V� ZO Coimbatore

8� Com.�Hariharasubramanian S� Madurantakam

9� Com.�Hema V� SME, ERODE

10� Com.�Joseph Christy� HeavyElecKailas

11� Com.�Kandappan M� Coimbatore City

12� Com.�Kasirajakumar M� ZO Tiruchy

13� Com.�Meenakshi Sundaram B� SMETiruvanamali

14� Com.�Mohan Kumar S� P.N ROAD, TIRUP

15� Com.�Murali R� Kumbakonam

16� Com.�Murugan A� Purasawalkam

17� Com.�MUTHURAMAN M� ZO Chennai

18� Com.�Natarajan S� Alandur

19� Com.�P K Babu� Vellore

20� Com.�Pandiarajan A� Egmore

21� Com.�Rajabaskar P� Kodumudi ADB

22� Com.�RAJU M� RBO, Tirunelveli

23� Com.�Ranjan Kumar� LHO Chennai

24� Com.�Ravi Ram B� Nagercoil

25� Com.�Ravichandran S� RBO-I, TIRUCHIR

26� Com.�Rishi Deo Ray� SiruthozhilPond

27� Com.�Sabira Barveen P� LHO Chennai

28� Com.�Sridhar A� Ashok Nagar

29� Com.�Sundareswaran NM� Karur

30� Com.�Suresh B� SMECCC AMBATTUR

31� Com.�Syam Sundar Prasad B� Ponneri

32� Com.�Valarmathi P� Nehrujinagar

33� Com.�Varadarajan R� Neyveli

34� Com.�VEERANARAYANAN S� Sivaganga

35� Com.�Vinod Kumar Singh� LHO Chennai

36� Com.�Remesh Thekkethu CB Tirupur

37� Com.�Viswanathan S� MCGRO-II, Chennai

SMGS ‐V TO TEGs‐VI

1� Com.�G C Jeyakumar� C.A.G. Chennai

2� Com.�Devasenapathy M� RBO-IV, Tiruchi

3� Com.�Prabhu R� SAMB Coimbatore

4� Com.�Pradeep K� RBO-I, Coimbatore

5� Com.�Premji V� RBO-III, Chennai

6� Com.�Radhakrishnan S� IIT Madras

7� Com.�Seetharaman V� RBO-II, Madurai

SMGs V to TEGs VI

SMGs IV to SMGs V

My Dear Comrades,

Golden Jubilee 1965-2015

Comradely yours,

(D. Thomas Franco Rajendra Dev)General Secretary

24

Economic Times dated th14 August, 2017 has

published an article by

Bloomberg, “Fall of

another Behemoth? SBI

could be the Air India of

Banking?

Well the Govt, RBI and the Corporates may want this

but we will not allow it. The Officers and employees

will not allow it unlike the Air India staff who keep

quiet without knowing that they will all lose their job

the day Air India is privatised.

Who is to blame for the losses made by Air India? Air

India before merger of Indian Airlines was making

good profit. Air India was the only airline flying to

interiors. It is Air India which brought back lakhs of

Indian during the Gulf War with great risk. It is Air

India which flies first after Tsunami , Floods or any

disaster. The merger was not warranted as per its own

MD. Then Mr.Praful Patel chose to buy wrong type of

aircrafts which has 148 seats when other airlines are

198 seats making every flight operation profitable.

SBI has had its ups and downs. When the market share

was going down during the period of Shri. O.P. Bhatt

as Chairman, the Management, Officers Association

and the Award Staff Union took the challenge and

restored its market share. The human resources are the

biggest asset of SBI and they will not allow SBI to go

down.

Yes, there are attempts to privatise in the name of

increasing NPA. Let the authors of the article read the

Parliament Standing Committee report on NPA and

understand the reasons. Some are writing that RBI is

also not happy . The present RBI Governor was in SBI

Board before becoming Governor. The present

Finance Secretary has been in the Board. The brother

of Mr.VinodRai has been in the Board . What did they

do?

SBI with the largest number of branches in Lead

Districts in interiors including North East has been

doing yeomen services without making profit in many

branches. If SBI collapses, the Indian Economy will

collapse as 25% of Banking business is with SBI. Yes,

there are few course corrections needed and there is

need to stand up against forced policies and directives

of Govt. Service charges have to be relooked.

Employees have to be taken care. Redirection of credit

is already taking place. Doomsday Soothsayers will

only get frustrated.

SBI will march ahead. Let us work towards that. Let

the Peoples' Parliament for Unity be a step towards

that too.

"Teamwork is the ability to work

together toward a common vision. The

ability to direct individual

accomplishments toward organizational

objectives. It is the fuel that allows

common people to attain uncommon

results."

--Andrew Carnegie

"If everyone is moving forward together,

then success takes care of itself."

--Henry Ford

Is SBI another Air India?

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