Draft Copy for Seeking Information under RTI From Banks

    

I would like to seek information from you on following points under RTI act.. You are requested to provide me the following information and oblige.

1. Position of Total amount of bad assets called as Non Performing Assets or stressed asset or restructured asset vis-a -vis Total advances of each bank (bank wise) as on 30.06.2012

2. Number of Branches (bank wise) where total amount of NPA is more than 25% of total advances of the respective branches as on 30.06. 2012 separately for all banks and for all regions

3. Number of branches (region wise for all banks) where total amount of Bad assets (NPA ,stressed Assets, restructured assets ) is more than 50% of total advances of the branches as on 30.06. 2012.

4. Name of Regional Head and Name of Branch Manager where gross NPA is more than 50% of total advances. Name of CMD of the bank should also be mentioned. Similar information for Regional Rural Banks for each bank has to be given.

5. Name of accounts branch wise and bank wise where amount considered bad for recovery is Rs.10 crores and above.

6. Name of officers and designation who were involved in sanction of loans mentioned in point no. 5 .

7. Name of officers out of officers specified in point no. 6 against whom punitive action has been taken or in process or investigation is in process for more than 12 months.

8. Name of officers who have been exonerated from charges of bribery leveled by aggrieved customers of whistleblower?

9. Action taken by bank management against officers, regional heads, branch managers, credit officers due to whose fault bad assets grew and reached a level of 50% and more compared to their total advances. (Please submit information bank wise and branch wise.)

10. If more than 25% of branches in any bank have more than 25% of total advances as NPA, what action has RBI or Ministry of Finance or CVC or CBI or internal IR section has taken against top officials like General Managers, Deputy General manager, Executive Directors, and Managing Directors.

 If more than 25% of government banks are sick of bad assets and if more than 25% of their branches have accumulated NPA to the extent of 25% of their total advances or 10% of their branches have accumulated more than 50% of their total advances in the branch, whether MOF of RBI has ever proposed punitive action against erring top executives of banks,( retired or working now) due to whose wrong culture officers down the line indulged in bad lending causing huge loss to bank..

In addition to above statistical information may be given on following points in different annexure made for each points..

1. Total advance as on 30.06.2012  (Out of which total amount of NPA)

2. Number of accounts and amount where total funded and non funded exposure per individual / firm/group /company/MFI/Mutual fund is more than Rs.100 crores

3.  Number of accounts and amount where total funded and non funded exposure per individual / firm/group/MFI/company/ mutual fund  is more than Rs.10 crores but upto Rs.100 crores

4. Number of accounts and amount where total funded and non funded exposure per individual / firm/group/MFI/company/ mutual fund  is more than Rs.1 crores but upto Rs.10 crores

5. Number of accounts and amount where total funded and non funded exposure per individual / firm/group/MFI/company/ mutual fund  is  upto Rs.1 crores

6. Total number of account and amount of Non Performing Assets, Restructured Assets and stressed assets out of point no. 1

7. Total number of account and amount of Non Performing Assets, Restructured Assets and stressed assets out of point no. 2

8. Total number of account and amount of Non Performing Assets, Restructured Assets and stressed assets out of point no.3

9.  Total number of account and amount of Non Performing Assets, Restructured Assets and stressed assets out of point no.4

10. Total number of account and amount of Non Performing Assets, Restructured Assets and stressed assets out of point no.5

 11. Year wise amount of money sacrificed by each bank during last ten years in waiver of loan, compromise settlement and in writing off of bad debts

12. Whether any to executive like Executive Director or CMD, or GM or DGM or AGM or CM has been punished for bad and mischievous management due to which bad assets grew to such a large extent as in SBI or many top performing banks. Unprecedented growth in quantum of NPA of top banks should open the eyes of RBI and MOF. Even statutory auditors failed to expose the reality .Has any action taken against erring auditors?

If yes please provide bank wise name of such punished officers during last ten years. There are many officers who caused hundreds of crores of rupees to their banks but have been allowed safe exit from the bank. or even promoted to higher position.

13. Amount lost by each bank on account of fraud and name of top officers punished for this during last ten years.

Number of cases related to fraud involving amount more than one crores of rupees pending for disposal for more than one year. Action taken to expedite disposal of fraud related cases and punishment to guilty officers within a timeframe of maximum one year. How do you ensure that each cases of fraud by staff is reported to RBI?

14.  Last but not the least whether unmanageable growth in bad assets is always due to global recession or bad weather or interest hike as pretended by top executives of the banks.