1 |
CRAR |
|
Whether the CRAR of the bank has slipped below 9.0% any time during the quarter? |
(Y/N) |
2 |
RWA |
|
%Increase (+) / Decrease (-) in Risk Weighted Assets |
(9,2) |
3 |
Board meetings |
a |
Whether Board meetings were held during the quarter as specified in the Act provisions/ stipulation? |
(Y/N) |
b |
Whether Performance Assessment Report (PAR) was placed in Board meetings? |
(Y/N) |
4 |
Board Level Committees |
|
Whether the following Board level Committees are in place |
- |
a |
Audit Committee |
(Y/N) |
b |
Asset Liability Committee (ALCO) |
(Y/N) |
c |
Loan Committee/Credit Committee |
(Y/N) |
d |
Investment Committee |
(Y/N) |
e |
Risk Management Committee |
(Y/N) |
f |
Fraud Prevention and Monitoring Committee |
(Y/N) |
5 |
Meetings of Committees |
|
Whether the meetings of the following Committees conducted during the quarter? |
- |
a |
Audit Committee |
(Y/N/ NA) |
b |
Asset Liability Committee (ALCO) |
(Y/N/ NA) |
c |
Loan Committee/Credit Committee |
(Y/N/ NA) |
d |
Investment Committee |
(Y/N/ NA) |
e |
Risk Management Committee |
(Y/N/ NA) |
f |
Fraud Prevention and Monitoring Committee |
(Y/N/ NA) |
6 |
Liquidity |
a |
Whether the bank committed any CRR default during the quarter? |
(Y/N) |
b |
Whether the bank committed any SLR default during the quarter? |
(Y/N) |
7 |
Funding Liquidity |
|
Whether the bank has defaulted to any higher financing agency during the quarter? |
(Y/N) |
8 |
MIS & Reporting |
a |
Whether the ALCO reviewed Liquidity Risk? |
(Y/N) |
b |
Whether the ALCO reviewed Interest Rate Risk? |
(Y/N) |
9 |
Periodic Reconciliation |
a |
Whether payment settlement is reconciled on a regular basis? |
(Y/N) |
b |
Whether pendency in reconciliation is less than three consecutive days? |
(Y/N) |
10 |
IS Audit Policy |
|
Whether the bank has Board approved Information System (IS) Audit Policy in place? |
(Y/N) |
11 |
IS Audit |
a |
Whether Annual IS Audit done for the previous year? |
(Y/N) |
b |
Whether Annual IS Audit process for the current year has been activated? |
(Y/N) |
12 |
Audit Compliance |
a |
Whether compliance to statutory audit was ensured within the time frame? |
(Y/N) |
b |
Whether statutory audit is a qualified audit report? |
(Y/N) |
c |
Whether there are any observations pending for rectification/ compliance in respect of statutory audit? |
(Y/N) |
13 |
Internal Inspection |
a |
Whether there is a policy for Internal inspection? |
(Y/N) |
b |
Whether there are arrears in conduct of internal inspection for the previous quarter as per Bank's policy? |
(Y/N) |
14 |
Internal Audit / Concurrent Audit |
a |
Whether internal audit / concurrent audit policy is in place? |
(Y/N) |
b |
Whether there are arrears in conduct of internal audit / concurrent audit? |
(Y/N) |
15 |
Domain Email-Id |
|
Whether the bank has set-up domain email id? |
(Y/N) |
16 |
Inter-Bank Reconciliation |
|
Whether any entries are pending for reconciliation in Inter-Bank accounts for more than 15 days? |
(Y/N) |
17 |
Inter-Branch Reconciliation |
|
Whether any entries are pending for reconciliation in Branch Adjustment accounts for more than three months? |
(Y/N) |
18 |
Migration |
a |
Whether bank had migrated to any new CBS system? |
(Y/N) |
b |
If yes, whether bank had conducted migration audit? |
(Y/N/ NA) |
19 |
Migra account |
a |
Whether reconciliation of Migration account has been completed? |
(Y/N) |
b |
Whether any balance is outstanding in Migration Account? |
(Y/N) |
20 |
Grievance Redressal Mechanism |
|
Whether Grievance Redressal Mechanism is in place? |
(Y/N) |
21 |
Complaints |
|
Whether any Complaints remained pending for more than 60 Days? |
(Y/N) |
22 |
Frauds |
|
Whether any new fraud has been detected by the bank during the quarter? |
(Y/N) |
23 |
Reporting |
|
If fraud was detected, whether the FMS return has been submitted? |
(Y/N/ NA) |
24 |
Central Economic Intelligence Bureau (CEIB) |
|
Whether the bank has furnished information to Central Economic Intelligence Bureau (CEIB)? |
(Y/N) |
25 |
AML-CFT |
|
Did the bank submit CTR Returns (including NIL return) in the quarter, as required? |
(Y/N) |
26 |
AML-STR |
|
Did the bank submit STR Returns (including NIL return), if any, in the quarter, as required? |
(Y/N) |
27 |
AML-NTR |
|
Did the bank submit NTR Returns (including NIL return) in the quarter, as required? |
(Y/N) |
28 |
Inspection Compliance |
a |
Whether compliance to Inspection findings of NABARD has been submitted, if due, in time? |
(Y/N/ NA) |
b |
Whether further compliance to Inspection findings of NABARD has been submitted, if due, in time? |
(Y/N/ NA) |
29 |
Policy & Implementation |
a |
Whether any un-secured guarantees were issued by the bank during the previous quarter? |
(Y/N) |
b |
Whether any Letter of Credits (LCs) were issued by the bank during the previous quarter? |
(Y/N) |
c |
Whether any bank guarantees were invoked but not paid during the previous quarter? |
(Y/N) |
30 |
Returns |
|
Whether the bank has submitted statutory returns including OSS returns within due date? |
(Y/N) |
31 |
RBI Direction / Penalty |
a |
Whether RBI has imposed any restrictions? |
(Y/N) |
b |
Whether RBI has issued any Direction? |
(Y/N) |
c |
Whether RBI has imposed any penalty? |
(Y/N) |
32 |
Exposure Norms |
a |
Whether the bank has violated single exposure norms stipulated by RBI? |
(Y/N) |
b |
Whether the bank has violated group exposure norms stipulated by RBI? |
(Y/N) |
33 |
Credit Information Companies (CICs) |
a |
Whether the bank has taken membership in all four Credit Information Companies? |
(Y/N) |
b |
Whether the bank has submitted data (including historical data) to all the four Credit Information Companies? |
(Y/N) |
c |
Is the bank periodically updating credit information at monthly or at such other shorter intervals as mutually agreed between them? |
(Y/N) |
d |
Whether credit history of the borrowers are verified from CIC data warehouse while appraising loan proposals? |
(Y/N) |
34 |
Automation of IRACP norms |
|
Whether the bank has setup the system to automate Asset Classification (classification of advances/investments as NPA/NPI and their upgradation), Provisioning calculation and Income Recognition processes by 30 September 2020?
|
(Y/N) |
35 |
Depositors Education and Awareness (DEA) Fund Scheme, 2014 |
a |
Whether the bank has put in place a system for identifying amounts transferable to the DEA Fund as per the scheme guidelines? |
(Y/N) |
b |
Whether the bank has transferred the unclaimed deposits to DEA Fund on annual basis? |
(Y/N) |
c |
Whether the amount transferred shown as contingent liability and reported in Notes on Accounts? |
(Y/N) |
d |
Whether the bank has submitted the annual return within 30 days from the end of the calendar year to the Reserve Bank of India? |
(Y/N) |
e |
Whether the bank has ensured permanent storage of account details and transactions of all accounts in respect of which funds have been transferred to the DEA Fund, RBI |
(Y/N) |
f |
Whether the banks are displaying the list of unclaimed deposits/inoperative accounts which are inactive/inoperative for more than 10 years in their branch premises/website? |
(Y/N) |
g |
Whether the bank had transferred the amount becoming due in each calendar month during the previous quarter? |
(Y/N) |
36 |
Compliance |
a |
Name of the Compliance Officer |
Text |