ALLAHABAD BANK- ICHAK (00574)BRANCH

FINANCIAL YEAR: 18-19 REPORT DATE: 10-Apr-2019

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FRAUD SENSITIVITY INDEX :.ANNEXURE

Sl. No. RISK Major components No of No of

CODE: Accounts Accounts in
Checked which
deviations
observed

27 6 Whether records are held in respect of pre sanction visit to verify the 10 0
antecedents/genuineness of borrower/gurantor?s business place.

28 11 Legal opinion from empanelled advocate in Bank?s format taken. 10 0

29 12 Verification of genuineness of title deeds got done by panel advocate. 10 0

30 15 ROC pre registration, registration and post registration stages complied. 0 0

31 23 Eligibility criteria have been adhered to and proper scrutiny of past 10 0

history/record/conduct of account of borrower/guarantor is done by obtaining
statement of account for past 6 months. Copies of salary certificate, ITRs
(ROC/IT/Bank), details and revenue records (i.e. land records, khasra/khatauni) have
been got verified from concerned offices.

24 48 Whether securities have been properly charged/registered and valued by competent 10 0

person and the same has been entered in the bank system

25 50 Post sanction visit for end use verification done. 10 0

26 57 Registration of mortgage with CERSAI in stipulated period is done 10 0

23 108 Whether monthly updating of drawing power in the computer system on the basis of 51 17
stock statements/Book debts statements/Other financial data received from the
borrower is ensured

21 186 Whether KYC/AML guidelines are adhered in opening of fresh accounts and 66 0
subsequent modification of records and monitoring of transactions

22 188 KYC norms and due diligence complied for both loan and deposit accounts----------- 66 0
Photo and address proof with authentication

32 196 CIF of all accounts are available on record and kept under proper custody after 66 0
scrutiny and authentication.

33 214 Cheque book is issued on the basis of request other than requisition slip with 0 0
BM?s/authorized officials permission only.

16 218 Address confirmation for issuance of cheque book complied. 0 0

17 221 Transaction in newly opened accounts are monitored for at least 3 months. Every 0 0
leaf of first cheque book marked as ?new account? on top.

18 222 Whether transactions are monitored to spot suspicious transactions and in case such 0 0
transactions are identified they are promptly reported to ZO

19 232 Electronic voucher verification is done on daily basis. 0 0

20 234 The accounts maintained with RBI/SBI and other banks are reconciled and the 0 0
balances tallied with the General Ledger.
 FRAUD SENSITIVITY INDEX :.ANNEXURE

14 237 Reconciliation of technical suspense, CGL-BGL cash. 0 0

7 272 The personal/impersonal heads (including subsidy account) of accounts are 0 0

reconciled.

8 275 Daily in and out register/record in CBS is maintained and control is exercised on 0 0
security forms during the day

9 277 Whether vouchers other than cash payment vouchers / instruments are passed on the 0 0
face, stitched, sealed & kept in Record Room under lock & key

10 282 Balances of any heads have not been tallied by creating a dummy account for 0 0
parking of entries and there is no outstanding in these accounts.

1 285 Whether any abnormal receipts or payments obeserved in daily cash transaction 0 0

11 293 Whether cash held in joint custody of the Manager and the Head Cashier / Cashier- 0 0
in-charge and cash balance book is signed daily by the joint custodians

12 295 Whether compliance of the prescribed safeguards for cash remittance including 0 0
entering of relevant information in Cash Transit Register is made

13 299 Pre deposit cash scrolling is done on daily basis. 0 0

5 312 Whether compliance of guidelines for cheque purchase/ bills purchase are 0 0
meticulous

6 326 Reconciliation of clearing account is done on regular basis and review of old 0 0
outstanding entries for reconciliation is done

4 375 Whether statements and returns are submitted to ZO/HO/RBI in time and accurately 0 0
& entered in Diary / register of submission of Returns.

2 528 Whether policy regarding Staff rotation is being followed 0 0

3 530 Whether adequate safeguards have been taken against mis-use of bank's data / 0 0
information by the outsourced agency.

15 549 Adequate segregation of duties is ensured for maker checker concept. 0 0