EVALUATION CHART - NEW

CONTROL RISK - CREDIT

Max Grade
Factors Mark Basis Grading/ awarded by
Rating Insp. Officer

A2 CREDIT RISK MANAGEMENT (QUALITATIVE) - 200

01 Pre-Sanction appraisal / due 30 No irregularities E 30 L 18
diligence conducted/ recorded A very few cases not jeoparadising Bank's G 24 L
interest
A few cases not jeoparadising Bank's interest S 18 M

A few cases jeoparadising Bank's interest IA 12 M

Many cases jeoparadising Bank's interest US 6 H
Large number of cases P 0 H
02 i) Documentation Perfection in 20 No irregularities E 20 L 12
EMG documentation A very few cases not jeoparadising Bank's G 16 L
interest
A few cases not jeoparadising Bank's interest S 12 M

(Grading to be arrived at taking into A few cases jeoparadising Bank's interest IA 8 M

account missing/ loss of securities Many cases jeoparadising Bank's interest US 4 H
pledged, if any) Large number of cases P 0 H
ii) Perfection in other 20 No irregularities E 20 L 12
documentation A very few cases not jeoparadising Bank's G 16 L
interest
(Grading to be arrived at taking A few cases not jeoparadising Bank's interest S 12 M
into account Blank/ incomplete
documents/ serious A few cases jeoparadising Bank's interest IA 8 M
documentation irregularities/
Many cases jeoparadising Bank's interest US 4 H
Persisting irregularities affecting
Bank's interest, if any) Large number of cases P 0 H

03 Compliance with sanction terms 10 No irregularities E 10 L 6

ensuring end use of funds A very few cases not jeoparadising Bank's G 8 L
interest
A few cases not jeoparadising Bank's interest S 6 M

A few cases jeoparadising Bank's interest IA 4 M

Many cases jeoparadising Bank's interest US 2 H
Large number of cases P 0 H
04 Unit visit/ Inspection of 15 No irregularities E 15 L 6
security/ Post-sanction
supervision/ Timely obtention of A few irregularities with accounts regular G 12 L
(A1)
stock statements and regulation
of credit limits including export A few irregularities with accounts regular S 9 M
finance within drawing power, (A2)
proper receipt and scrutiny of
QIS/HIS & prompt obtention of
financial statements following
guidelines of consortium
advances/ Maintenance of
relevant documents
 supervision/ Timely obtention of
stock statements and regulation
of credit limits including export
finance within drawing power,
proper receipt and scrutiny of
QIS/HIS & prompt obtention of A few irregularities with accounts irregular IA 6 M
(A3)
financial statements following
guidelines of consortium Large number of irregularities leading to US 3 H
advances/ Maintenance of deliquency
relevant documents
Large number of irregularities which is P 0 H
jeoparadising Bank's interest

05 Allowing no excesses/prompt 10 Delegated Lending Powers strictly adhered E 10 L 8

reporting of loan to.
sanctions/excesses & action Excesses allowed and reported promptly G 8 L
ratified by competent authority
(Grading to be accorded at Excesses allowed; a few cases not reported. S 6 M
taking into account suppression/ Excesses allowed. Majority of the cases not IA 4 M
misrepresentation of facts reported promptly.
including non reporting of
Excesses not at all reported. US 2 H
TODs/ Excesses allowed)
Excesses allowed. Not reported/ regularised. P 0 H

06 Accuracy in calculating & 15 Accurate. E 15 L 9

charging of interest to Loan &
A very few errors observed. G 12 L
Advances, commission on
BGs/LCs, collection of A few errors observed. S 9 M
processing/commitment charges
and charging penal interest Many errors observed. IA 6 M
etc.& maintenance of loan
ledgers/ Registers etc. (including Large number of errors observed. US 3 H
the updating of Loan masters)
where modules are not ported
Large number of errors observed not P 0 H
recoverable.

07 Obtention of AODs/ Certificate 10 Nil pendency. E 10 L 4

from Registrar of A very few cases (only in cases of borrowers G 8 L
Companies/Periodical search not traceable)
report A few cases with small amount (Only in case S 6 M
borrowers not traceable)
A few cases with huge amount IA 4 M
Many cases US 2 H
Large number of cases P 0 H
08 Adequate cover of insurance on 10 Adequate E 10 L 2
assets and obtention of policies Adequately insured in all cases, but policies G 8 L
not held in a few cases
Insured all cases, not adequate in a few cases S 6 M

Insured in all cases, but not adequately IA 4 M

09 Review/ renewal of credit limits
including branch sanctions.
Whether earlier inspection
comments incorporated and
rectified.
insured in majority cases
Not insured in many cases. US 2 H
Not insured in large number of cases P 0 H
15 Nil pendency in review/ renewal and earlier E 15 L 6
inspection comments rectified
09 Review/ renewal of credit limits 15 6
including branch sanctions.
Whether earlier inspection Review/ renewal pending in a very few cases G 12 L
comments incorporated and
rectified. Review/ renewal pending in a few cases S 9 M
Review/ renewal pending in many cases IA 6 M
Review/ renewal pending in majority cases US 3 H
and earlier inspection comments not rectified.

Review/renewal pending in all cases and P 0 H

earlier inspection comments not rectified.
10 Accuracy and completeness of 10 All system generated control returns are E 10 L 10
relevant control returns/ accurate and complete
statements. A very few inaccuracies and incompleteness G 8 L
are observed
A few inaccuracies and incompleteness are S 6 M
observed
Many inaccuracies and incompleteness are IA 4 M
observed
Large number of inaccuracies and US 2 H
incompleteness are observed
System generated control returns are totally P 0 H
inaccurate and incomplete.

11 Preservation of closed loan 10 All closed documents preserved E 10 L 8

documents / closed BGs/LCs for Documents not preserved in a very few cases G 8 L
10 years from the date of
cessation of relationship. Documents not preserved in a few cases S 6 M
Documents not preserved in many cases IA 4 M
Documents not preserved in large number of US 2 H
cases
Documents not preserved P 0 H
12 No deviations are observed in 10 No deviation/ no delay in presentation of E 10 L 8
conduct of Bills Portfolio cheques
(LSC/LBC/IB/BD). There is no No deviation, but delay in presentation of G 8 L
delay in presentation of cheques few cheques
deposited with the Branch for A few deviations with delay in presentation of S 6 M
local clearing/ local collection. cheques in few cases
Many deviations with delay in presentation of IA 4 M
cheques in few cases
Many deviations with delay in presentation of US 2 H
cheques in many cases
Large deviations with delay in presentation of P 0 H
cheques in many cases
13 Bank Guarantee and LC
i) Security Forms have been 5 Adhered to - 100% E 5 L 4
kept under charge of an Adhered to - 75% to 99% G 4 L
Authorised Official duly Adhered to - 60% to 74% S 3 M
recorded in a separate Register. Adhered to - 50% to 59% IA 2 M
Adhered to - 40% to 49% US 1 H
Adhered to - less than 40% P 0 H
ii) Procedural follow-up in 5 Adhered to - 100% E 5 L 3
issuance of BGs/LCs Adhered to - 75% to 99% G 4 L
 ii) Procedural follow-up in 5 3
issuance of BGs/LCs
Adhered to - 60% to 74% S 3 M
Adhered to - 50% to 59% IA 2 M
Adhered to - 40% to 49% US 1 H
Adhered to - less than 40% P 0 H
iii) Follow-up / Cancellation of 5 Adhered to - 100% E 5 L 3
expited BGs Adhered to - 75% to 99% G 4 L
Adhered to - 60% to 74% S 3 M
Adhered to - 50% to 59% IA 2 M
Adhered to - 40% to 49% US 1 H
Adhered to - less than 40% P 0 H

B2 RECOVERY 100
MANAGEMENT
01 Follow-up of A2, A3 accounts 30 Follow-up/ Prevention - 100% E 30 L 18
(QUALITATIVE) Follow-up/ Prevention - 75% to 99% G 24 L
and preventing slippage to NPA
Follow-up/ Prevention - 60% to 74% S 18 M
Follow-up/ Prevention - 50% to 59% IA 12 M
Follow-up/ Prevention - 40% to 49% US 6 H
Follow-up/ Prevention - less than 40% P 0 H
02 Follow up of NPA 30 Follow-up/ NPA Classification - 100% E 30 L 18
Accounts/Overdues (Grading to Follow-up/NPA Classification - 75% to 99% G 24 L
be awarded taking into account
Follow-up/NPA Classification - 60% to 74% S 18 M
slippage of the loans given
during the period covered under Follow-up/NPA Classification - 50% to 59% IA 12 M
inspection to NPA and Loans
Follow-up/NPA Classification - 40% to 49% US 6 H
slipped to NPA but not classifed
as NPA Follow-up/NPA Classification- less than 40% P 0 H

03 Follow up in the LIC / DRT 10 Follow-up - 100% E 10 L 2

accounts & follow up in decreed Follow-up - 75% to 99% G 8 L
accounts (Filing of EP/taking Follow-up - 60% to 74% S 6 M
latest developments.) -( For
Follow-up - 50% to 59% IA 4 M
newly opened Branches upto 3
years - 'NA') Follow-up - 40% to 49% US 2 H
Follow-up - less than 40% P 0 H
04 Efforts on compromise 10 Follow-up - 100% E 10 L 0
settlement and timely closure of Follow-up - 75% to 99% G 8 L
such settlements.-( For newly Follow-up - 60% to 74% S 6 M
opened Branches upto 3 years - Follow-up - 50% to 59% IA 4 M
'NA') Follow-up - 40% to 49% US 2 H
Follow-up - less than 40% P 0 H
05 Enforcement of security interest 20 Fully complied with E 20 L 12
Act & rules -( For newly Compliance ranging - 75% to 99% G 16 L
opened Branches upto 3 years - Compliance ranging - 60% to 74% S 12 M
'NA') Compliance ranging - 50% to 59% IA 8 M
Compliance ranging - 40% to 49% US 4 H
Compliance ranging less than 40% P 0 H

CONTROL RISK - OPERATIONAL

OPERATIONAL RISK MANAGEMENT
 Max Grade
Factors Mark Basis Grading/ awarded by
Rating Insp. Officer

C2 DEPOSITS 80
01 All the formailities of opening 30 Followed-up/ adhered to in all cases E 30 L 24
of accounts are complied with.
Extant instructions in respect of
Followed-up/ adhered to in majority cases G 24 L
KYC norms are followd without
exception. Nomination facility
has been extended. In case the Not followed-up/ not adhered to in a very few S 18 M
Account Holder does not desire cases
Nomination, his specific intent
thereto is recorded and cross Not followed-up/ not adhered to in a few IA 12 M
checked with the report on cases
accounts without Nomination.
Followed-up/ adhered to only in a very few US 6 H
cases

(Grading to be given taking into Not Followed-up, not adhered to at all P 0 H

account serious lapses in opening and
maintenance of Deposit accounts)

02 i) New accounts opened are 5 Strictly ahdered to E 5 L 4

monitored for high value Adhered to in majority of the cases G 4 L
transactions in the initial period. Not adhered to in a very few cases S 3 M
Not adhered to in a few cases IA 2 M
Adhered to in a very few cases US 1 H
Not adhered to at all P 0 H
ii) Frequent return of cheques is 5 All cases followed-up and suitable action E 5 L 4
followed up and suitable action taken
is taken in respect of all such Majority cases followed-up and suitable G 4 L
action taken
cases.
Not followed-up and suitable action taken not S 3 M
taken in a very few cases
Not followed-up and suitable action not taken IA 2 M
in a few cases
A very few cases followed-up and suitable US 1 H
action taken
No follow-up at all P 0 H
03 Serving due notices on time 10 Due notices promptly sent and deposits promptly E 10 L 8
renewed, promptly transferred to overdue deposit
deposits & prompt renewal of account.
deposits
Due notices are not promptly sent but deposits G 8 L
promptly renewed/transferred to overdue deposit
account.
Due notices are not promptly sent and failure to S 6 M
promptly renew/transfer deposits to overdue
deposit account in a very few cases
Due notices are not promptly sent and many IA 4 M
deposits not promptly renewed/transferred to
overdue deposit account
 Due notices not sent large number of deposits not US 2 H
renewed/ not transferred to overdue deposit
account.

Due notices not sent, deposits not renewed/ not P 0 H

transferred to overdue deposit account.

04 Delivery/ updation of Pass 10 Customers are attended promptly without any E 10 L 8

delay
Books/ Cheque Books/
statements A/c / Rendering Customers are attended promptly with a very few G 8 L
prompt customers service. exceptions
Customers are attended promptly with a few S 6 M
exceptions
Customers are attended promptly with many IA 4 M
exceptions

Customers are attended with large number of US 2 H

exceptions
Not at all attended P 0 H

05 Control over dormant/ 10 Control is adequate and all stipulated procedures E 10 L 8

have been followed.
inoperative a/cs, segregation of
Control is adequate and most of the procedures G 8 L
inoperative accounts obtention have been followed
of confirmation of balances.
Control is adequate but some of the procedures S 6 M
Control over zero balance have not been followed. However, this has not
accounts. jeopardised Bank's interest.

Control is inadequate as most of the procedures IA 4 M

have not been followed.
Control is inadequate, stipulated procedures have US 2 H
not been followed at all which may jeopardise
Bank's interest.

No control, stipulated procedures not followed P 0 H

which may jeopardise Bank's interest.

06 Adherence of IT/ RBI/ FEMA 10 All IT/ RBI/ FEMA guidelines are properly E 10 L 8
adhered to
guidelines on domestic/ NRE/
FCNR/ NRNR/ NRO deposits All IT/ RBI/ FEMA guidelines are generally G 8 L
adhered to
Follow up of guidelines
concerning ECGC/ FEMA/ EC Certain deviations in compliance of IT / RBI/ S 6 M
FEMA guidelines observed which have been
provisions/ Forex business rectified immediately.

Certain deviations in compliance of IT / RBI/ IA 4 M

FEMA guidelines are observed which are yet to be
rectified

Many deviations in compliance of IT / RBI/ US 2 H

FEMA guidelines are observed which are yet to be
rectified

IT/ RBI/ FEMA guidelines are not being adhered P 0 H

to and steps in this regard are not taken for
rectification.

D2 CASH 20
01 Procedural follow up in 5 Remitted as per procedure E 5 L 5
effecting cash remittances to
pooling centre etc.
 01 Procedural follow up in 5 5
effecting cash remittances to Remitted as per procedure in majority of G 4 L
pooling centre etc. remittances
Certain procedural deviations observed in S 3 M
remittance
Many procedural deviations observed in IA 2 M
remittance
Major procedural deviations observed in US 1 H
remittance
Procedure not followed at all P 0 H
02 CONTROL ON OTHER 5 Adequately controlled E 5 L 4
AREAS INCLUDING
OPERATIONS IN LOCAL
BANK ACCOUNT: A) Double Adequately controlled with a very few G 4 L
exceptions
lock & Dual Custody /Safe
Custody of keys, postage, petty
Adequately controlled with a few exceptions S 3 M
cash, stamped agreement,
travellers cheques, foreign
currencies, Gold bars/ coins and Adequately controlled with many exceptions IA 2 M
surprise verification of cash/
Gold operation/ Reconciliation
in Local Bank Account/ Not controlled in many cases US 1 H
Periodical submission of
certificates to Zonal Offices.
Not at all controlled P 0 H

03 Adherence to clean note policy 10
of RBI/ Sorting of notes and
remittance
Notes are sorted properly and remitted promptly. E 10 L 8
Soiled notes remitted without delay
Notes sorted and remitted promptly, soiled notes G 8 L
not remitted promptly
Notes are sorted but remitted with slight delay. S 6 M
Soiled notes remitted with delay
Notes are sorted but remitted with delay. Soiled IA 4 M
notes are remitted with inordinate delay
Notes are sorted but not remitted (including soiled US 2 H
notes). Soiled Notes are not remitted

Clean Note Policy not adhered to at all P 0 H

F2 INCOME LEAKAGE 10
01 i) All the Income Leakage 5 Recovered - 100% E 5 L 3
detected in earlier Audit Reports
and the Current Report is Recovered - 75% to 99% G 4 L
recovered in full. (Score to be
Recovered - 60% to 74% S 3 M
awarded in proportion to the
percentage of recovery to the Recovered- 50% to 59% IA 2 M
Total Income Leakage detected).
Recovered - 40% to 49% US 1 H

Recovered - less than 40% P 0 H

ii) Various service charges are 5 Accurately levied E 5 H 4

levied as per extant circulars Levied with a very few exceptions G 4 L
issued from time to time.
 ii) Various service charges are 5 4
levied as per extant circulars
issued from time to time. Levied with a few exceptions S 3 M
Levied with many exceptions IA 2 M
Not levied in many cases US 1 H
Not at all levied P 0 H

G2 CUSTOMER SERVICE 20
01 Implementation of Goiporia / 5 All critical recommendations of the Working E 5 L 5
Group which have direct bearing on the quality of
Damodaran Committee Customer Service are fully implemented
Recommendations
All critical recommendations of the Working G 4 L
Group have been implemented with a very few
exceptions

All critical recommendations of the Working S 3 M

Group have been implemented with a few
exceptions

Some of the critical recommendations have not IA 2 M

been implemented
Many of the critical recommendations have not US 1 H
been implemented
All recommendations not implemented P 0 H

02 Holding of Customer Meets and 5 Customer Meets as well as Customer Service E 5 L 4

Customer Service Committee
Meetings. Recording of minutes
and submission of reports.
Committee Meetings are held promptly and
reports submitted
Customer Meets as well as Customer Service G 4 L
Committee Meetings are held promptly but
reports submitted with slight delay

Customer Meets as well as Customer Service S 3 M

Committee Meetings are held promptely but
reports submitted with inordinate delay

Customer Meets as well as Customer Service IA 2 M

Committee Meetings are held with a few
aexceptions and reports submitted with delay

Customer Meets as well as Customer Service US 1 H

Committee Meetings are held with many
exceptions and/or reports submitted with delay

Customer Meets as well as Customer Service P 0 H

Committee Meetings are not held

03 Prompt disposal of Customer 5 Customer Complaints are disposed off E 5 L 4

Complaints - Follow up of quickly
compliants with Consumer Customer Complaints are disposed off in G 4 L
Forum etc. normal course
Customer Complaints are disposed off with S 3 M
slight delay
A few Customer Complaints are disposed off IA 2 M
belatedly
Majority of Customer Complaints are US 1 H
disposed off belatedly
Customer Complaints are not disposed off P 0 H
 04 Upkeep of the premises and 5 Premises are maintained very neat and clean. E 5 L 5
customer ambience All basic amenities such as drinking water,
fan, writing table etc. provided
- With a very few exceptions G 4 L
- With a few exeptions S 3 M
- With some exeptions IA 2 M
- With many exceptions US 1 H
- Not provided at all P 0 H
5
H2 SAFE DEPOSIT LOCKER 10
01 Procedural aspects in allotting/ 5 Fully complied with E 5 L 5
operating/ closing of locker - With a very few exceptions G 4 L
accounts/ obtention of locker
agreements duly filled in/ - With a few exeptions S 3 M
maintenance of registers such as
access to Locker Room is - With some exeptions IA 2 M
allowed only to locker hirers.
Multiple locker operations are - With many exceptions US 1 H
not permitted simultaneously.
- Not at all complied P 0 H

02 Follow-up/ recovery of arrears 5 Recovery / Follow-up 100% E 5 L 4

of locker rent and follow-up of Recovery / Follow-up 75 - 99% G 4 L
lockers not operated for more Recovery / Follow-up 60 - 74% S 3 M
than one year.
Recovery / Follow-up 50 - 59% IA 2 M
Recovery / Follow-up 40 to 49% US 1 H
Recovery / Follow-up less than 40% P 0 H
I 2 STAFF 20
01 Rotation of staff duties 5 Fully complied with E 5 L 5
- With a very few exceptions G 4 L
- With a few exeptions S 3 M
- With some exeptions IA 2 M
- With many exceptions US 1 H
- Not at all complied with P 0 H
02 Punctuality & discipline; leave 5 Fully adhered to E 5 L 5
planning & maintenance of - With a very few exceptions G 4 L
leave records. Prompt action - With a few exeptions S 3 M
taken in case of leave on loss of - With some exeptions IA 2 M
pay/ unauthorised absence, - With many exceptions US 1 H
indiscipline etc. - Not at all adhered to P 0 H

03 Staff awareness of all products 10 Overall Awareness - 100% E 10 L 8

and services and systems and Overall Awareness - 80% G 8 L
procedures Overall Awareness - 70% S 6 M
Overall Awareness - 60% IA 4 M
Overall Awareness - 50% US 2 H
Overall Awareness - upto 40% P 0 H

J2 OTHERS 120
01 Control over security items like 10 Well controlled with proper maintenance of E 10 L 8
Cheque Books, Loose Cheques, Registers
Deposit Receipts, Withdrawal Well controlled with a very few exceptions in G 8 L
slips, JD cards, DDs/POs , maintenance of Registers
Deposit receipts, Branch Well controlled with a few exceptions in S 6 M
Advice etc. and proper maintenance of Registers
maintenance of security items Not controlled with a few exceptions in IA 4 M
movement /stock register with maintenance of Registers
due authentication by joint Not controlled with many exceptions in US 2 H
custodians maintenance of Registers
Not controlled at all P 0 H

02 Maintenance & custody of slip 5 Well controlled with proper maintenance of E 5 L 4

bundles (availability on Registers
requirement) Maintenance of Well controlled with a very few exceptions in G 4 L
Registers/ Records/ Folios. maintenance of Registers
Observance of systems & Well controlled with a few exceptions in S 3 M
procedures in exercising control maintenance of Registers
over slip bundles, vouchers and Not controlled with a few exceptions in IA 2 M
articles. maintenance of Registers
Not controlled with many exceptions in US 1 H
maintenance of Registers
Not controlled at all P 0 H
03 Control over Capital Assets/ 5 Well controlled with proper maintenance of E 5 L 4
Maintenance/ physical Registers
verification of Capital Assets/ Well controlled with a very few exceptions in G 4 L
Painting of Inventory Numbers/ maintenance of Registers
Disposal of Obsolete Capital Well controlled with a few exceptions in S 3 M
Assets maintenance of Registers
Not controlled with a few exceptions in IA 2 M
maintenance of Registers
Not controlled with many exceptions in US 1 H
maintenance of Registers
Not controlled at all P 0 H
04 Compliance to security 5 Fully complied with E 5 L 5
guidelines / Holiday visits - With a very few exceptions G 4 L
- With a few exeptions S 3 M
- With some exeptions IA 2 M
- With many exceptions US 1 H
- Not at all complied P 0 H
05 Elimination of entries under 5 Timely elimination of Sundry Entries E 5 L 0
Sundry Debtors/Creditors / Timely elimination of Sundry Entries with G 4 L
Deposits/ FCS and transfer of few exceptions
old entries to HO (Grading to be Elimination of entries with slight delay and S 3 M
arrived at taking into account close follow-up is ensured
Long Standing clearing Elimination of entries with slight delay and IA 2 M
difference held more than 1 close follow-up is not ensured
year) Elimination of entries with inordinate delay US 1 H
and close follow-up is not ensured
 Long Standing clearing
difference held more than 1
year)

Large Number of entries outstanding as on P 0 H

the date of inspection and follow-up is not
satsifactory

06 Procedural follow up in charge 5 Procedure Followed-up E 5 L 4

taking of the branch by branch Procedure followed-up in majority cases G 4 L
manager Procedure followed-up in many cases S 3 M
Procedure followed-up only in a few cases IA 2 M
Procedure followed-up only in a very few US 1 H
cases
Procedure Not Followed-up at all P 0 H
07 Procedural follow up in ATM, 15 Procedure Followed-up E 15 L 12
Credit Card Internet / Mobile Procedure followed-up in majority cases G 12 L
Banking Transactions Procedure followed-up in many cases S 9 M
Procedure followed-up only in a few cases IA 6 M
Procedure followed-upo only in a very few US 3 H
cases
Procedure Not Followed-up at all P 0 H
08 Spot rectification of 15 All possible rectifiable irregularities rectified E 15 L 6
irregularities during the course 75% of possible rectifiable irregularities rectified G 12 L
of present inspection
50% of possible rectifiable irregularities rectified S 9 M

Less than 50% but more than 25% of possible IA 6 M

rectifiable irregularities rectified
Upto 25% of possible rectifiable irregularities US 3 H
rectified
No possible rectifiable irregularities rectified P 0 H
09 Loan Documents, Title Deeds, 5 Adhered to in all cases E 5 L 5
important Branch Documents Adhered to in majority cases G 4 L
are kept inside Strong Room/ in
FBR Safe. Vouchers/ Security Adhered to in many cases S 3 M
forms not in use are kept Adhered to only in a few cases IA 2 M
overnight inside a locked
Adhered to only in a very few cases US 1 H
Almirah.
Not adhered to at all P 0 H

10 Follow up of Systems and 5 Adhered to in all cases E 5 L 4

procedures in day to-day Adhered to in majority cases G 4 L
operations (other aspects)- Adhered to in many cases S 3 M
Deviation from the laid down Adhered to only in a few cases IA 2 M
systems and procedures
Adhered to only in a very few cases US 1 H
Not adhered to at all P 0 H
11 Prompt filing System and proper 5 Perfectly followed and no irregularities E 5 L 4
preservation of old records Well followed on daily basis G 4 L
Well followed on weekly basis S 3 M
Followed with a few exceptions IA 2 M
Followed with many exceptions US 1 H
Irregular P 0 H
12 Effective control over records is 5 Perfectly followed and no irregularities E 5 L 4
observed so as to prevent any
unauthorised removal of
records.
12 Effective control over records is 4
observed so as to prevent any Well followed on daily basis G 4 L
unauthorised removal of Well followed on weekly basis S 3 M
records. Followed with a few exceptions IA 2 M
Followed with many exceptions US 1 H
Irregular P 0 H
13 Prompt collection / follow-up of 5 Prompt collection of instrumentsUpto 100% E 5 L 4
cheques, drafts bills & other Prompt collection of instruments 75 to 99% G 4 L
negotiable instruments Prompt collection of instruments 60 to 74% S 3 M
Prompt collection of instruments 50 to 59% IA 2 M
Prompt collection of instruments 40 to 49% US 1 H
Prompt collection of instruments below 40% P 0 H
14 Documents relating to Frauds/ 5 Preserved in all cases E 5 L 4
Law Suits against the Bank, are Preserved with a very few exceptions G 4 L
held in personal custody of the Preserved with a few exceptions S 3 M
Branch Manager. Preserved with some exceptions IA 2 M
Preserved with many exceptions US 1 H
Not preserved in the personal custody P 0 H
15 The revised Specimen Signature 5 Perfectly maintained and updated regularly E 5 L 4
Books of SBI and RBI Perfectly maintained and updated with a few G 4 L
Inspecting Officials are properly exceptions
Perfectly maintained and updated with some S 3 M
maintained and updated exceptions
Maintained with a few exceptions IA 2 M
periodically.
Maintained with many exceptions US 1 H
Not maintained P 0 H
16 The Key Register is maintained 5 Maintained properly with due authentication E 5 L 4
as per extant instructions. Maintained properly but authentication required in G 4 L
a very few cases
Maintained properly but authentication required in S 3 M
a few cases
Deficiencies observed in maintenance and no IA 2 M
authentication in a few ocassions
Registers maintained and no authentication in US 1 H
many cases
Registers not maintainted properly/ authentication P 0 H
not done
17 System generated control 15 System generated control returns are accurate and E 15 L 9
complete. Other periodical returns/ statements are
returns reflect the correct submitted promptly. Books of accounts are
position of transactions balanced periodically.
prevailing at the Branch.
System generated control returns are generally G 12 L
Submission of other periodical accurate and complete. Other periodical returns/
returns/ statements by the statements are submitted promptly with a few
Branch. Balancing of books of exceptions. Books of accounts are balanced
periodically.
accounts (Grading to be arrived
at taking into account modules System generated control returns are accurate and S 9 M
complete with a very few exceptions. Other
in core Banking, if any, not periodical returns/ statements are submitted and
operationalised at the Branch) books of accounts are balanced with a few
exceptions.
 at taking into account modules
in core Banking, if any, not
operationalised at the Branch)

System generated control returns are accurate and IA 6 M

complete with a few exceptions. Other periodical
returns/ statements are submitted with delay and
inaccuracies. Books of accounts are balanced
with a few exceptions.

System generated control returns are not accurate US 3 H

and complete . Other periodical returns/
statements are not regularly submitted Books of
accounts are balanced with certain exceptions.

System generated control returns are not accurate P 0 H

and complete. Other periodical returns/ statements
are not submitted . Books of accounts are
balanced with certain exceptions.

K2 CLOSURE STATUS AND 20

ADHERENCE TO TIME FRAME

Type of Audit Date of Report Due for Actual Date of

closure Closure
i) Regular Audit RBIA is still on
ii) Snap Audit
iii) Forex Audit
iv) RBI Audit
v) Income Audit
vi) Concurrent Audit Oct to Nov 2017 yet to be attended to
vii) LFAR Yet to be
submitted
01 Previous Audit Reports are 10 All reports closed within the stipulated time E 10 L 2
closed within time norms All reports including Regular Report closed G 8 L
prescribed within the stipulated time exccept one
All reports including Regular Report closed S 6 M
within the stipulated time exccept two

Regular Report closed and three other reports IA 4 M

are pending for closure
Regular Report not closed and a few other US 2 H
reports are also pending beyond stipulated
time
No reports are closed within the stipulated P 0 H
time
02 Residual Irregularities after the 5 All possible rectifiable irregularities rectified E 5 L 3
closure of previous Reports.
75% of possible rectifiable irregularities G 4 L
rectified
50% of possible rectifiable irregularities S 3 M
rectified
Less than 50% but more than 25% of possible IA 2 M
rectifiable irregularities rectified
Upto 25% of possible rectifiable irregularities US 1 H
rectified
No possible rectifiable irregularities rectified P 0 H
03 Proper record of all Audit 5 Audit records maintained to the extent of E 5 L 5
Reports/ Rectifications are kept 100%
Audit records maintained to the extent of G 4 L
75 - 99%
Audit records maintained to the extent of S 3 M
60 - 74%
Audit records maintained to the extent of IA 2 M
50 - 59%
Audit records maintained to the extent of US 1 H
40 - 49%
Audit records maintained below 40% P 0 H

L2 INFORMATION SYSTEM 50
01 Awareness on Information 5 Fully aware E 5 L 4
Security Policy & Guidelines Awareness ranging 75 - 99% G 4 L
among staff members Awareness ranging 60 - 74% S 3 M
Awareness ranging 50 - 59% IA 2 M
Awareness ranging 40 - 49% US 1 H
Awareness ranging 40% P 0 H
02 Hardware/Software 15 Fully complied with E 15 L 12
Management Compliance ranging 75 - 99% G 12 L
Observations be made on the Compliance ranging 60 - 74% S 9 M
following areas and total Compliance ranging 50 - 59% IA 6 M
marks/ grading be allotted on
Compliance ranging 40 - 49% US 3 H
the basis provided
Compliance ranging 40% P 0 H
i) Capitalisation of Computer
Assets and updation of Capital
Register

ii) Marking of hardware systems

with inventory numbers

iii) Safe keep of CDs containing

TBA data

iv) Presence of external/

unauthorized softwares/
interfaces

v) Incidents of unauthorised access

to internet in the branch

vi) Regular conduct of Preventive

Maintenance of Systems
vii) Uptodate maintenance of AMC /
Complaints / vendor visit
Registers

viii) Regular maintenance of UPS

and testing of batteries
[preventive maintenance]

ix) Availability of Standby UPS

x) Maintenance of AC & UPS in
ATM Site

03 Environmental Controls 5 Fully complied with E 5 L 4

Compliance ranging 75 - 99% G 4 L
Observations be made on the Compliance ranging 60 - 74% S 3 M
following areas and total Compliance ranging 50 - 59% IA 2 M
marks/ grading be allotted on
Compliance ranging 40 - 49% US 1 H
the basis provided
Compliance ranging 40% P 0 H
i) Maintenance of Network
equipments / Routers /
Switches / Hubs etc. [such as
maintenance in a dust free
environment / AC]
ii) Adequacy of Fire Prevention
measures

iii) Regular verification [once in 6

months] of electrical earthing &
wiring and consequent issuance
of certificate by approved
electrical consultant.

iv) Proper ventilation / AC for UPS

and Batteries
04 Incident Management 5
i) Proper recording, reporting & Promptly reported in the prescribed format E 5 L 4
management of Information Promptly reported but not in the prescribed G 4 L
security incidents. format
Reported with delay in the prescribed format S 3 M

Reported with delay and not in the prescribed IA 2 M

format
Reported with inordinate delay and not in the US 1 H
prescribed format
Not reported P 0 H
05 Mandatory Reports 10
 i) Generation of mandatory reports Perfectly generated and preseved E 10 L 4
and their preservation Perfectly generated and preseved with few G 8 L
exceptions
Perfectly generated but not preseved properly S 6 M
Partially generated and preseved properly IA 4 M
Partially generated but not preseved properly US 2 H
Not generated and not preserved P 0 H
06 Access Controls 5 Fully complied with E 5 L
Compliance ranging 75 - 99% G 4 L 4
Observations be made on the Compliance ranging 60 - 74% S 3 M
following areas and total Compliance ranging 50 - 59% IA 2 M
marks/ grading be allotted on
Compliance ranging 40 - 49% US 1 H
the basis provided
Compliance ranging 40% P 0 H
i) Restriction of Floppy Drives /
CD Drives / USB ports to single
unit. Protection of these with
Anti-virus software

ii) Adherence to prescribed access

controls by the users of the
systems and ensuring closing of
the systems when not working/
not in use.

iii) Strict restriction on access to the

Systems by third party /
unauthorized persons

07 Anti-Virus software 5
i) Management
Installation of Anti-virus Installed and updated E 5 L 5
Software in all systems and Installed but updated upto previous month G 4 L
updation of the same with latest Installed but updated two months back S 3 M
signatures Installed but updated six months back IA 2 M
Installed but not updated since installation US 1 H
Not installed P 0 H

M2 EXTERNAL COMPLIANCE 50
01 Monitoring of large cash 5 Well monitored E 5 L 3
payments and maintenance of Well monitored large cash payments, CWT G 4 L
instructions followed with a few exceptions
Cash Monitoring Register. Cash
Monitored large cash payments, CWT instructions S 3 M
Withdrawal Tax instructions are followed with some exceptions
followed
Monitored large cash payments, CWT instructions IA 2 M
followed with many exceptions

Monitored large cash payments/ CWT instructions US 1 H

with few exceptions

Not monitored large cash payments, CWT P 0 H

instructions not followed properly
02 Non-acceptance of cash 5 Fully complied with E 5 L 5
exceeding Rs.50,000/- for Complied with a very few exceptions G 4 L
Drafts/ TTs and RTCs. Complied with a few exceptions S 3 M
Repayment of Deposits Complied with some exceptions IA 2 M
exceeding Rs.20,000 through
Complied with many exceptions US 1 H
accounts/ Pay Orders.
Not complied with P 0 H
03 RBI norms/ systems and 5 Fully complied with E 5 L 5
procedures put in place to help Complied with a very few exceptions G 4 L
control financial frauds, money Complied with a few exceptions S 3 M
laundering and suspicious Complied with some exceptions IA 2 M
activities.
Complied with many exceptions US 1 H
Not complied with P 0 H
04 Interest on delayed collections is 5 Fully complied with E 5 L 5
paid in all eligible cases. Instant Affording immediate credit but delayed interest G 4 L
credit of outstanding not paid in a few cases.
instruments is afforded as per Affording immediate credit but delayed interest S 3 M
not paid in some cases.
extant instructions.
Affording immediate credit in some cases only and IA 2 M
delayed interest not paid
Affording immediate credit in a few cases only US 1 H
and delayed interest not paid
Immediate credit not afforded in many cases and P 0 H
delayed interest not paid.

05 Ghosh/ Jilani committee 5 Fully implemented E 5 L 4

recommendations relating to Implemented with a very few exceptions G 4 L
Frauds/ Mal practices are Implemented with a few exceptions S 3 M
complied with. Mitra Implemented with some exceptions IA 2 M
Committee recommendations
Implemented with many exceptions US 1 H
are complied with.
Not implemented P 0 H
06 Compliance with TDS norms is 5 Fully complied with E 5 L 4
ensured in all applicable cases
Fully Complied with but remittance is delayed on G 4 L
(payment of rent, interest on very few occasions
deposits, payment of salary,
pension, payment to contractors Fully Complied with but remittance is delayed on S 3 M
some occasions
and other services rendered
etc.). Service Tax is collected Complied with some exceptions and remittance is IA 2 M
regularly and remitted to Govt. delayed in few occasions
Account in applicable cases and
Complied with many exceptions and remittance is US 1 H
service tax return filed every delayed in many occasions
half year.
Complied with but remitted with inordinate delay P 0 H
on all occasions

07 Instructions from RBI/Govt. are 5 Fully complied with E 5 L 2

recorded in the prescribed Complied with a very few exceptions G 4 L
Register and implementation is Complied with a few exceptions S 3 M
ensured and recorded. Complied with some exceptions IA 2 M
07 Instructions from RBI/Govt. are 2
recorded in the prescribed
Register and implementation is
ensured and recorded.
Complied with many exceptions US 1 H
Not complied with P 0 H
08 Implementation of guidelines of 5 Fully complied with E 5 L 4
Banking Codes & Standards Complied with a very few exceptions G 4 L
Board of India Complied with a few exceptions S 3 M
Complied with some exceptions IA 2 M
Complied with many exceptions US 1 H
Not complied with P 0 H
09 Official Language Policy 5 Fully implemented E 5 L 4
implemented as per guidelines. Implemented to the extent 75 - 99% G 4 L
Implemented to the extent 60 - 74% S 3 M
Implemented to the extent 50 - 59% IA 2 M
Implemented to the extent 40 - 49% US 1 H
Implementation below 40% P 0 H
10 Subsidy acounts are properly 5 All subsidy acounts are properly maintained E 5 L 4
maintained and accounted for and accounted
All subsidy for are properly maintained
acounts G 4 L
and accounted for except with a very few
exceptions
All subsidy acounts are properly maintained S 3 M
and accounted
Subsidy forare
acounts except with a few
not properly maintained IA 2 M
exceptions
and accounted
Subsidy forare
acounts in not
many cases maintained
properly US 1 H
and accounted
Subsidy forare
acounts in not
large number ofatcases
maintained all P 0 H
 Marks
allotted by
IAD
 Marks
allotted by
IAD
Actual Date of
Closure

Yet to be
submitted
 EVALUATION CHART - NEW
RISK EVALUATION -SUMMARY

Branch Name : Rajajinagar Dt of Report :

Risk Matrix: Branch Code : 119 Period covered-
0% - 30% : High Zone : BangalorFrom: 1/1/2018 To: 31.03.2018
31%-60% : Medium Category :
61%& above : Low Size :
Dt of commencement:

Max Appl. Marks Marks

Control Marks Marks Secured as % Parametric Risk Rating
Control
Risk QLT A2
A Credit Risk Management Control
Risk
Credit 200 119 60.00 M
B Recovery Management Risk
Operati
Credit QLT B2 100 50 50.00 M
C Deposits Operati
onal QLT C2 80 64 80.00 L
D Cash onal QLT D2 20 17 85.00 L
F Income Leakage QLT F2 10 7 70.00 L
G Customer Service QLT G2 20 14 60.00 M
H Safe Deposit Locker Control QLT H2 10 9 90.00 L
I Staff Risk QLT I 2 20 18 90.00 L
J Closure
Others status/ Operati QLT J2 120 85 71.00 L
K Adherence to Time frame onal QLT K2 20 10 50.00 M
L Information System QLT L2 50 40 80.00 L
M External Compliance QLT M2 50 40 80.00 L
Qualitative- Total
(A2+B2+C2+D2+F2+G2+H2+I2+J2+K2+L2+M2) 700 473 67.57 L
FINAL RISK RATING LOW

Prepared by Manager/ Senior Manager CONCURRENT AUDITOR