Andhra Bank
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Customer Corner » Right to Information ACT
  Section 4 (1) (b) (ii)

The powers and duties of its officers and employees:

Delegation of Lending Powers:

The Bank has a well laid down system of delegation of lending powers to be exercised by Branch Managers depending upon their scale, first and second level officials at Zonal Offices and first level official at Circle Offices and by Executives at Head Office with operative guidelines governing the exercise of delegated powers.

Financial Powers for Revenue and Capital Expenditure:

To ensure smooth and proper functioning of the branches and other offices, bank has put in place the delegation of financial powers for revenue and capital expenditures, which will be within the framework of approved budgets. After completion of financial year, the expenditure incurred by the bank during the previous year is being reviewed by the Board.

Duties of the Officers and employees of the Bank:

The rights and duties of Officer employees are governed by:

1. Andhra Bank (Officers) Service Regulations (ABOSR) 1982.

2. Andhra Bank (Officer) employees' (Conduct) Regulations, 1981

As far as award staff employees are concerned, the service conditions are governed by the industry level settlement (Bipartite settlements) entered into by Indian Banks Association with the recognized employee organizations.

  Section 4 (1)(b) (iii)

The procedure followed in the decision making process, including channels of supervision and accountability:

There is well-defined system in the Bank regarding the decision making process. Financial decisions are taken at various levels from Asst. Manager to DGM of Branch depending upon their positions and beyond that through committee approach. Further, there is a well-defined organizational structure and a clear system of accountability which also takes into account the RBI / CVC guidelines. Each officer will have to consider loan proposals and take a decision in terms of the scheme delegation of powers. All loans sanctioned will have to be reported to the higher authority for control purpose. The system of exercising proper delegation of powers and submission of control returns are monitored by the controllers.

  Section 4(1) (b) (iv)

The norms set by it for the discharge of its functions:

The Head Office decides the rates to be offered by the Bank for the deposits, for different tenures which are displayed on the Bank's website and also at the branches. Regarding the advances, again the Head Office takes a decision on introduction of various loan products and details of which are available on the website as well as at the branches. Head Office also decides the rates of interest for various advances which are available on our website and at the office / branches of the Bank.

Whether to sanction a loan or not, is the absolute discretion of the concerned sanctioning authority of the Bank and such discretion is exercised, after taking into consideration the relevant facts and circumstances of each case.

  Section 4 (1) (b)(v)

The rules, regulations, instructions, manuals and records, held by the Bank or under its control used by its employees for discharging its functions.

  Section 4 (1) (b) (vi)

A statement of the categories of documents that are held by the Bank or under its control:

These are mainly registers of various Committee Meetings, Documents executed by customers / borrowers / guarantors, Contracts with Third Parties / etc. These are all private information and of commercial value and cannot be shared with public.

  Section 4 (1) (b) (vii)

The particulars of any arrangement that exists for consultation with, or representation by, the members of the public in relation to the formulation of its policy or implementation thereof.

As per the present arrangement, the shareholders can raise issues concerning policies in Annual General Meetings, which can relate to policy of the bank.

Further the Bank's Quarterly / Half yearly / Annual results are published in leading newspapers as well as putting the same on Bank's web site for information of public as well as the shareholders which would give an idea of the policies of the bank and implementation thereof.

  Section 4 (1) (b) (viii)

A statement of Boards, councils, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public.

The Board of the Bank has constituted various committees as detailed under:-

  • Management Committee of Board  (MC)
  • Audit Committee of Board  (ACB)
  • Shareholders / Investors Relationship Committee (SRC)
  • Special Committee for Monitoring Large Value of Frauds
  • Departmental Promotion Committee (DPC)
  • Risk Management Committee of Board (RMC)
  • Customer Service Committee of Board ( CSC )
  • Share Transfer Committee  -- Members   (STC)
  • Steering Committee of Board on HR
  • Committee on monitoring of Recovery in NPAs
  • Credit Approval Committee
  • Review Committee on willful Defaulters
  • Special meeting of Board for reviewing Customer Services

Public are not entitled to participate in the above committee meetings and minutes are not accessible to public. Public may refer to Annual Report for more details.

  Section 4 (1) (b) (ix)

A directory of its officers and employees: 

  As the number of employees is quite large and they are frequently liable to transfer from place to place, it is not possible to publish the list of officers.

  Section 4 (1) (b) (x)

The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations

The Officers and employees are paid salaries and allowances as per the settlements arrived between the IBA and Bank's Unions which is put on IBA's website.



11765   655/3  13730  815/3  16175  980/4  20095   1145/7  28110  2120/1  30230  1310/1   31540 (20 years)


9560  325/4  10860  410/5  12910  490/4  14870 570  16580  655/3  18545  (20 years)


SCALE I     23700   980/7   30560  1145/2   32850  1310/7   42020

SCALE II    31705   1145/1   32850    1310/10    45950

SCALE III    42020    1310/5    48570    1460/2    51490

SCALE IV   50030   1460/4    55870    1650/2   59170

SCALE V     59170     1650/2     62470   1800/2 66070

SCALE VI   68680    1960/4   76520

SCALE VII   76520    2120/4    85000

  Section 4 (1) (b) (xi)

The budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made

There are no plans and budgets for expenditure and disbursements and the provision is not applicable to banks. There are targets furnished to the various functionaries at zonal level for mobilizing deposits and advances.

  Section 4 (1) (b) (xii)

The manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes

There are no subsidy programmes or plans for lending activities of the Bank as a whole except for targets for priority sector lending.  There are different schemes for advances of the Bank and the terms and conditions are already available in the Bank's website.

  Section 4 (1) (b) (xiii)

Particulars of recipients of concessions, permits or authorizations granted by it

There are no programmes in the bank for grant of concessions; permits, authorizations and the business activity of the bank have no relationship with any public activity or public interest.

  Section 4 (1) (b) (xiv)

Details in respect of the information, available to or held by it, reduced in an electronic form

All the general information regarding deposits, advances and other services offered by the Bank are available in the bank's website.

  Section 4 (1) (b) (xv)

The particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use.

The public can approach the CAPIOS for information regarding bank's various Products which are also available in the website. Regarding working hours of library or reading room, Bank does not have such facilities.

  Section 4 (1)(b) (xvi)

The names, designations and other particulars of the Central Public Information Officers. 

The Bank's Board has designated the following officers in three different cadres as Central Public Information Officers as contemplated in the Section 5 of the Right To Information Act 2005.

1Transparency Officer:
Head Office  Name Designation  Email Address Contact No.
Dr. Pattabhi Bhawan,
5-9-11, Saifabad,
Hyderabad- 500004 
Sri M Naga Raju  General Manager   040-23252230,040-23252233
2. Senior Central Public Information Officers / Appellate Authorities at Head Office: Dr. Pattabhi Bhavan : 5-9-11, Saifabad, Hyderabad - 500004
Head Office Name of the General Manager Email Address Tel No.
Head Office Sri Shyamal Ghosh Ray

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