Professional Documents
Culture Documents
HAMARA PRAYAS
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EDITORS NOTE
My Dear Readers,
With this issue of HAMARA PRAYAS, we completed four years of
circulation. Very few things make me personally proud but this one
certainly does.
Most of our readers have celebrated us and some have given
certain suggestions. To sustain readership in a print medium while
the next generation preferred the digital medium threw several
challenges. Most of the entrepreneurs in this Banking Industry and
Cooperative Sector believe that magazine in print, as an exclusive
business, is more a sustainable proposition.
In spite of many vicissitudes, certain values were never compromised; HAMARA PRAYASs
commitment to inspire breakthroughs, pure growth oriented non-journalistic contents, the
highest quality standards in everything, growing readership, the tabloids culture of holistic
abundance, striving for enriching banking knowledge among employees, personality
development and human relations, scienti ic innovations, general awareness, fun corners
for easing the busy minds and still more now ever and always.
I thank the internal editorial team for being the connecting thread and causing the birth of
HAMARA PRAYAS month after month for the last 50 months.
This instils hope and optimism about the future to see what is right and good win. The
tabloid will continue to carry all of you in this path of breakthroughs..
Desiring further abundance,
Yours truly,
RANJANA SHARMA
ASSOCIATE EDITORS
K. Kishore Kumar
Praveen Kumar
A. V. Rama Rao
07
Sri Anjani Kumar, IPS, Addl. Commissioner of Police, Law and Order, Hyderabad, Dr.
A.S. Ramasastry, Director, IDRBT, Hyderabad, Dr. Anirudh Kumar Purohit, Professor
and Head, Dept. of Neuro Surgery, NIMS, Hyderabad, Sri Ramesh Kumar Bung, Sri
Purshotamdas Mandhana, Sri Ramprakash Bhandari and Sri Umesh Chand Asawa
inaugurating Banks 37th Foundation day Celebrations. A mammoth gathering on
the occasion.
08
Passion is energy. Feel the power that comes from focussing on what excites you Ramesh Kumar Bung.
09
Sri Ramesh Kumar Bung, Chairman addressing the shareholders at the 38th Annual
General Body Meeting held at FAPCCI, Hyderabad. Directors on the Board, MD & CEO
and shareholders are in the photograph.
10
"AVo {V>mm gd
aZonWmZ'
Sage Patanjali (2-37)
To one established in
non-stealing, all wealth
comes.
If we want to become the
worlds richest people,
this is a very simple way.
There is no need to get
into stock market or even
to do a war. Just practise non-stealing. All of us are
thieves. Knowingly or unknowingly, we steal things
from nature. With every minute, with each breath, we
pick natures pocket. Whose air do we breathe? It is
natures. But that does not mean we should stop
breathing and die. Instead, we should receive each
breath with reverence and use it to serve others; then
we are not stealing. If we accept it and dont give
anything in return, we are thieves. We steal because of
greed. We want to do little and get a lot. Many people go
to the of ice and just sit around, use phone to make their
own appointments all day, and accept their pay at the
end of the month. Are not they stealing that money? Do
we not also steal other peoples ideas?
If we are completely free from stealing and greed,
contented with what we have, and if we keep serene
minds, all wealth comes to us. If we do not run after it,
before long, it runs after us. If nature knows we are not
greedy, she gains con idence in us, knowing we will
never hold her for ourselves. But, normally, when we
get something, we tend to lock it away and put the keys
in a safe place. We tend to imprison our possessions,
whether money, property or even people. The moment
we try to imprison money, it feels, what is this? I want
free movement. They have made me round so I could
roll. But here I am locked up. Oh, I have come to the
wrong person. The moment I get the chance, I will roll
away. Some stingy people never open their vaults. The
money just sits inside and prays, please somebody
release me. Inevitably the prayer is heard by a robber
who comes to its rescue.
Another way of stealing things is by not letting others
use them. Suppose we own a hundred acres of land,
most of which we dont use. If there are people who
want to buy ten acres and we dont let them, we are
stealing its usage. If someone has ifty garments in his
closet and his neighbour doesnt have even one, the irst
The Best way to find yourselves is to lose yourself in the service of others Mahatma Gandhi.
11
You grow up the day you have first real laugh at yourself Ramesh Kumar Bung.
13
Expert lecture being given by Prof. Jayaprakash B Somani, Advocate, High court,
Mumbai, at a workshop on Managerial Ef iciency and Time Management at Head
Of ice. Sri Ramesh Kumar Bung welcoming and felicitating the speaker.
Sri Ramesh Kumar Bung, paying obeisance to Lord Ganesh at our Begum Bazar
Branch. MD & CEO and Sta present on the occasion.
Hold the sanctity of your work very HIGH, and everything else will low into
your life as NATURAL BY-PRODUCT
- Ramesh Kumar Bung
14
When a woman becomes her own best friend, life is easier Ramesh Kumar Bung.
15
Sri Ramesh Kumar Bung handing over the cheque of Rs. 5.00 Lakh to Sri N. Chandra
Babu Naidu, Honble Chief Minister, Andhra Pradesh towards CM Relief Fund
rendering help to the victims of HUDHUD cyclone aected people.
Ya d v a d i h a M a n a v a n a m a s u r a n a m
Tadvedavajgaha (Pancha Siddhanta -13-4).
A. MASTHAN REDDY
Deputy General Manager
The question is not who is going to let me; it is who is going to stop me Ayn Rand.
17
Sri Ramesh Kumar Bung honouring Dr. Sangeeta Vyas, Asst. Professor, Hindi
department, Osmania University and A well-known writer Dr. Rajasri Duggal
during Hindi Week Celebrations held at the Bank.
Dr. Chandra Pal Singh Yadav, President, NCUI, New Delhi, Dr. N. Krishna Mohan,
Banking Ombudsman, RBI, Sri G. Raghu Raj, GM, IDRBT, Sri Pushpinder Singh, Head-
Coop. Banks & Govt. Initiatives, NPCI, Mumbai, Sri Ramesh Kumar Bung, Sri
Purshotamdas Mandhana Sri Umesh Chand Asawa launching the RuPay Debit Card
of the Bank at Hotel A-La Liberty, Banjara Hills, Hyderabad.
18
MEANING OF LIFE
When A Person Is Born He Has Breath But No Name, When He Dies He Has Name But No Breath,
The Gap Between This Breath And Name Is Life
SIX ETHICS OF LIFE
1. Before you Pray Believe 2. Before you Speak Listen
3. Before you Spend Earn
P. ARUNA KUMARI
IT Dept
Never give up, because that is just the place and time that the tide will turn - Ramesh Kumar Bung.
19
Sri Ramesh Kumar Bung, Sri Purshotamdas Mandhana and other directors, MD
&CEO and other Sta performing and celebrating Bathukamma Pooja.
Sri Vikrant P Ponkshe , MD, the Cosmos Cooperative Bank, Pune launching Internet
Banking Facility at the Bank at HO. Sri Ramesh Kumar Bung, Sri Purshotamdas
Mandhana, Sri Umesh Chand Asawa and other executives of the Bank participating
in the occasion.
You can, you should, and you are brave enough to start, you will.
UMESH CHAND ASAWA
20
21
Sri Ramesh Kumar Bung, Sri Rampal Attal, Sri Umesh Chand Asawa receiving
Banking Frontier Awards from Dr. Mukund Abhayankar, Chairman, NAFCUB, Sri V.S.
Vyas, Former ED, RBI.
22
BANKING AWARENESS
01. RBIs open market operation transactions
are carried out with a view to regulate ------------02. When more than one bank are allowing
c r e d i t f a c i l i t i e s t o o n e p a r t y i n
coordination with each other under a
formal arrangement, the arrangement is
generally known as -----------03. Open market operations, one of the
measures taken by RBI, in order to control
credit expansion into economy means -------04. The Bank Rate means ---------
05. What is an Indian Depository Receipt?
06. An instrument that derives its value from a
speci ied underlying (currency, gold,
stocks etc.,) is known as -------07. Fiscal De icit is ----------08. With what reference the term arbitrage is
used in the Capital Market?
09. What does Reverse Repo mean?
10. The stance of RBI monetary Policy is ------11. Currency swap is an instrument to manage
--------12. What does Sub-Prime refer to?
13. Where Euro Bond instrument is issued?
14. What does normally Money Laundering
involve?
15. With what purpose the IMF and World
Bank were constituted as institutions?
16. Who is Capital Market Regulator?
17. In the term BRICS, R stands for ------18. What does FDI refer to?
Great minds discuss ideas; average minds discuss events; small minds discuss people Eleanor Roosevelt.
23
Sri Ramesh Kumar Bung honouring Sri V S Das, former ED of RBI, Dr. Mukund
Abhayankar, President, Sri Subhash Gupta CEO, Sri D. Krishna of NAFCUB, Sri
Bhaskar K Kothavade, Chairman and & CEO of Nasik Cooperative Bank at a
meeting held at the Bank.
Smt. Rekha Nair, Joint Director, Forward Markets Commission, Mumbai and Dr. P.
Stanley, Dy. Director, ICM, Hyderabad, Sri Ramesh Kumar Bung at a workshop on
Present Market Conditions and Role of Markets held at the Bank.
24
SALAM HYDERABAD
OFFICIAL RETREAT RASHTRAPATHI
BHAVAN
The Asaf Jahi dynasty has surely got a unique play
in the history of erstwhile Hyderabad. It has not
only played a very prominent role in the
development of the city, but also left behind a
great aura and history to share with the readers.
It was during the time of the sixth and seventh
Nizam that Hyderabad, as a state he attracted
great attention from the other rulers. The undenying fact of both the Nizams is that they were
known for their grandeur and royalty and left
their mark in one form or the other, majorly in
various constructions that are spread across the
city and are known as the major landmarks.
Rashtrapathi Nilayam, originally known as
Resident House, is the of icial retreat of the
President of India, where President stays for at
least once a year and conducts of icial business. It
is also used as a guest house for visiting
dignitaries.
Located in Bolarum, the Residency House was
constructed in 1860 by Nizam Nazir-ud- Dowla.
It became the country house of the British
Residents who were then living in the city, but
after the Hyderabad states annexation in 1948,
became Presidents retreat and used as Sothern
Sojourn.
The 16-room estate is spread over an area of 90
acres consisting of single storied building
besides visitors quarters that can accommodate
150 people. It has a dining hall, darbar hall,
morning room; cinema hall etc., Unique aspect of
this Rashtrapathi Nilayam is that the kitchen and
dining hall are independent buildings connected
Man alone can immortalise himself by what he creates and leaves behind. Much after you and I
are physically gone, you and I can continue to live through the legacy we create and leave behind.
In that sense, you and I shall never die.
Let the lingering question be- What can I create that will outlive my lifetime?
Ramesh Kumar Bung
25
Sri G. Srinivasa Rao, Joint Registrar & District Cooperative Of icer and Sri R.K.
Aggarwal, Dy. Director, National Horticulture Board, Hyderabad, Sri Ramesh Kumar
Bung during All India Cooperative Week Celebrations.
Sri Ramesh Kumar Bung, Sri Umesh Chand Asawa along with other executives and
with functionaries of various PACS of Kerala State during their visit to the bank.
26
AS ON 31.03.2015
Pro it of 27 Public Sector Banks
Dierence
NPAs of PSBs
44
G. AMARNATH
HO: PDS
The secret of change is to focus your energy not on fighting the old, but building the new Socrates.
27
Sri Ramesh Kumar Bung performing Deepawali Pooja at our Begum Bazar Branch.
Directors on the Board, MD & CEO and sta members present on the occasion.
28
The name India is derived from the River Indus, the valleys
around which the home of the early settlers. The Aryan
worshippers referred to the river Indus as the Sindhu.
The 'Place Value System' and the 'Decimal System' were developed in India in 100 BC.
The world's irst granite temple is the 'Brihadeeswara Temple' at Tanjavur, Tamil Nadu. The Sikhara of the
temple is made from a single 80 tonne piece of granite. This magni icent temple was built in just ive years
(between 1004 AD and 1009 AD) during the reign of Rajaraja Chola.
India is the largest democracy in the world, the 7th largest country in the world and one of the most ancient
civilisations.
RANJANA SHARMA
Asst. General Manager
We cannot build the future for our youth, but we can build our youth for the future Roosevelt.
29
New Year 2015 Celebrations at Head Of ice. Sri Ramesh Kumar Bung being greeted
by Sri Umesh Chand Asawa at the event. Sta taking part in the celebrations.
Sri Karuppa Samy, Member, Services Board, RBI addressing all the branch managers
and executives. Sri Ramesh Kumar Bung and Sri Umesh Chand Asawa in the meeting
arranged at H.O.
Putting Days into life is ageing; Putting life into Days is growing.
UMESH CHAND ASAWA
30
17. Russia.
18. Foreign Direct Investment.
21. SEBI
22. Know Your Customer Norms.
23. Mobile Phones.
24. It is a mortgage crisis referring to credit
default by the borrowers; Sub-prime
borrowers were those borrowers who were
rated low and were high risk borrowers; the
crisis originated because of negligent in
credit rating of the borrowers.
25. No.
26. No.
27. Micro Insurance Policy.
28. Mortgage.
30. Premium.
CHANAKYA
Coming together is a beginning, keeping together is progress, and working together is success Henry Ford.
31
Sri Y. Nagi Reddy, IPS, inaugurating the stall of the Bank at 75th All India Industrial
Exhibition, 2015, Hyderabad. Sri Ramesh Kumar Bung, along with other directors,
MD & CEO at the inaugural event.
Sri Ramesh Kumar Bung hoisting the National Flag on the 66th Republic Day. Sri
Purshotamdas Mandhana, Sri Rampal Attal, other directors and sta members
participating in the celebrations.
32
The purpose of education is to make minds, not careers Ramesh Kumar Bung.
33
Dr. Devyani Dangoria, Managing Trustee, Devyani Charitable Trust, Smt. M. Vijaya
Nirmala, A.P. State Information Commissioner, Smt. Manisha Saboo, Centre Head,
Infosys, Hyderabad and Smt. Jaya Baheti, renowned artist being felicitated by Sri
Ramesh Kumar Bung on the occasion of International Womens Day celebrations
held at the Bank.
Pleasure in the job causes perfection in the work.
UMESH CHAND ASAWA
34
PARTNERSHIP FIRMS
Companies, Co-Ownership, Clubs and Societies
PARTNERSHIP FIRM
COMPANY
PARTNERSHIP FIRM
CO-OWNERSHIP
35
Sri Bhavani Sankar Kedia and Nookala Yajna Narayana Sarma, Astrologers,
forecasting the horoscopes on the occasion of Manmadha Ugadi Day Celebrations
held at H.O. Both the scholars being honoured by Sri Ramesh Kumar Bung.
36
PARTNERSHIP FIRM
CO-OWNERSHIP
CLUB / SOCIETIES
PARNTERSHIP FIRM
K.K. RATHI
Begum Bazar
Clean your heart which cleans your mind Ramesh Kumar Bung.
37
Sri Ramesh Kumar Bung and Sri S. Thomas, Divisional Manager, LIC of India
exchanging MOU under Pradhan Mantri Jeevan Jyoti Bima Yojana.
Have the positive attitude, character and work ethics that inspire and elevate the raw talent of others around
you to new levels of achievement Ramesh Kumar Bung.
39
Sri Ramesh Kumar Bung, Ms. Naina Jaiswal, International Table Tennis Player and a child
prodigy, Ms. Sahaja, International Chess Player, Sri Umesh Chand Asawa inaugurating Sports
Day Celebrations at Victory Play Ground on 05th July, 2015. Sri Bung and other players playing
dierent games.
B a n k h a s c o m m e n c e d c o n d u c t i n g
competitions in Sports and Games to
enthuse its sta members on 5th July, 2015
at Victory Play Grounds, Chaderghat,
Hyderabad at 8.00 A.M. Ms. Naina Jaiswal,
International Table Tennis Player, Ms.
Sahajasri, International Chess player, Sri
Ramesh Kumar Bung, Senior Vice Chairman
and Sri Umesh Chand Asawa MD & CEO
have inaugurated the event by lighting the
lamp and distributing sports shirts to the
participants. All the contestants have taken
part in the event fervently.
40
It takes many good deeds to build a good reputation, and only one bad one to lose it Benjamin Franklin
Singers from dierent branches participating in music competitions held at the bank on
11.07.2015.
Friends and good manners will carry you where money wont do Ramesh Kumar Bung.
41
Dr. M. Sankar, Zonal Manager, New India Assurance Company handing over tie-up
documents to Sri Purshotamdas Mandhana and Sri Ramesh Kumar Bung. Sri
Rampal Attal and Sri Umesh Chand Asawa present on the occasion.
42
So many people spend their health for gaining wealth and then have to spend their wealth to regain their
health Ramesh Kumar Bung.
43
44
Optimism is the faith that leads to achievement. Nothing can be done without hope or
confidence Ramesh Kumar Bung.
READERS DIGEST
Dear Editor,
Dear Sir,
With regards
Yours faithfully,
Yours sincerely,
Manager,
Gopalkrishna Koshtee,
A man is but a product of his thoughts and what he thinks he becomes Mahatma Gandhi.
45
CLASSIFICATION OF WARRIORS
in Mahabharata War
Bhishma, the grandsire of both the Kauravas and
the Pandavas, analyzed each warrior on both
sides of the battle. He said there are 3 types of
warriors. They are the Rathi, the Atirathi and the
Maharathi. Based on his judgement and
knowledge of the science of weapons he classi ied
every warrior involved in the Mahabharata war.
According to him the highest level of a warrior is
t h e M a h a r a t h i . H e d e i n e d t h e t h r e e
classi ications as follows:
Rathi: A warrior capable of attacking 5,000
warriors simultaneously.
Atirathi: A warrior capable of contending with 12
Rathi class warriors or 60,000 warriors
simultaneously.
Maharathi: A warrior capable of ighting 12
Atirathi class warriors or 720,000 warriors
simultaneously, and having complete mastery of
all forms of weapons and combat skills.
At i ra t h i s : S a t ya k i o f t h e Vr i s h n i ra c e ,
D h r i s h t a d y u m n a t h e s o n o f D r u p u d a ,
Kuntibhoja,the maternal uncle of Pandavas,
Ghatotkacha, prince of Rakshasas and master of
all illusions, son Bhima and Hidimva.
Maharathis: Virata King, Drupuda, King of
Panchalas, Dhrishtaketu, the son of Sisupala, the
king of the Chedis. All sons of Draupadi are
Maharathis. Abhimanyu, the son of Arjuna is equal
to 2 Maharathi. Arjuna is equal to 2 Maharathi
warriors.
VANITA BAHETI
Recovery Dept
A person might be an expert in any field of knowledge.. but without inner cleanliness his brain is a waste
desert Satya Sai Baba.
47
Sri Bandaru Dattatreya, Union Minister of State for labour and employment, Dr. K.
Laxman, MLA, Musheerabad Constituency and Sri M. Surender, Commissioner for
Cooperation and Registrar of Cooperative Societies, Telangana inaugurating newly
shifted premises of RTC x Roads Branch. Sri Ramesh Kumar Bung, Sri Purshotamdas
Mandhana, Directors on the Board, MD & CEO at the event.
48
LEXICON OF BANKING
Disintermediation: Approaching directly, without
availing services of intermediaries as in the case of
companies raising capital directly by share issue.
Disinvestment: 1. Issuing shares to general public,
certain portion or full share capital held by the
government in a state owned company, in a
deliberate move to raise funds or to reduce the
investment by the state without losing out the
control. 2. An act of withdrawing from a company.
Disparity: Not equal, great dierence.
Dispensation of Credit: Disbursal of loans.
Dispense with: Do without, not to insist on.
Dispersed Industries: Industries scattered here
and there in a large locality.
Disposable Income: Balance of income that could
be spent.
Disproportionate Assets: Assets acquired beyond
the known means.
Dissenting Shareholder: Shareholder who does
not accept the proposal made by the management
of a company.
Dissolution: Breaking up, putting an end to.
Dissolution of Partnership: 1. Bringing an end or
breaking the partnership by the partners
themselves if the partnership is At Will. 2. At the end
of the period if it is for a ixed period or if for a
particular venture or project, on completion of the
same. 3. Coming to an end by operation of the law
i.e., death, insolvency or insanity of one of the
partners.
Distress Sale: Sale taking place out of pressure
without bothering for pro it or loss.
Faith makes all things possible, love makes all things easy and hope makes all things work Ramesh Kumar Bung.
49
Sri G. Kishan Reddy, MLA, Amberpet constituency, Sri R. N. Dash, R.D, RBI
inaugurating the new premises of Himayathnagar Branch. Sri Purshotamdas
Mandhana, Chairman, Sri Ramesh Kumar Bung, Senior Vice Chairman honouring
the invitees. Directors, MD & CEO, Sta and Customers gathered on the occasion.
50
51
Sri Ramji Bhinchar, MLA, Makrana, Rajasthan is being honoured by Sri Ramesh
Kumar Bung. Sri Rampal Attal and other senior of icials participated in the meeting.
52
DO
DO YOU
YOU
KNOW
The actions of men are the best interpreters of their thoughts Ramesh Kumar Bung.
53
Sri R.N. Dash is being greeted by Sri Ramesh Kumar Bung on his
elevation as Regional Director, RBI, Hyderabad.
billion. Both will counter the in luence of Westernbased lending institutions and the dollar. Documents
on cooperation between BRICS export credit
agencies and an agreement of cooperation on
innovation were also signed.
Culture can become a secret weapon that makes extraordinary things happen Ramesh Kumar Bung.
55
Dr. Anil Kumar Saxena, Professor, Sardar Vallabhbhai Patel National Police Academy,
Dr. Alok Pandey, Associate Professor, Dept. of Hindi, Central University, Sr. K.
Ramakrishna, Director, A.P. State Cooperative Bank Ltd., Cooperative Training
Institute, Rajendranagar and Sri Raghunath Rao Ghatge, Head Master, Maheswari
Vidyalaya, Hyderabad on the occasion of Teacher's Day Celebrations, held at H.O.
Sri Ramesh Kumar Bung, felicitating the guests and Sri Umesh Chand Asawa , MD &
CEO present at the event.
56
CO
CORN
RNER
ER
01. Preeti: You said there is no servant-maid in your
house for the past one year. In spite of this, you
remained fat and did not become slim. How?
Vasundhara: I said servant maid is not there.
Did I say that my husband is not there?
02. After many years, friends Veeru and Soori met at
a place suddenly. Veeru asked: Soori, what are
your children doing now? Soori replied: My irst
son is in the inal year of engineering; Second
daughter is studying B.Com. 2nd year. Third one
could not study well; he has become a thief.
Veeru said: You should have asked him to get out
of the house. Soori: No, no; he is only feeding us
and looking after the needs of our family.
03. Jagan: It seems your son-in-law is a mad man. I
heard that he refused to accept new clothes for
the festival and demanded old dresses. Is it so?
Shyam: He is not mad; he is working in
Archaeological department.
04. Interviewing Of icer: How much job experience
do you have? Niranjan: 30 years. Of icer: What
is your age? Niranjan: 25 years. Of icer: Then
how is it possible? Niranjan: I did overtime.
05. Teacher: What is the capital of Turkey? Tinkoo:
I dont know. Teacher (angrily): Tinkoo, you
should concentrate on studies. Tinkoo: Teacher,
can I ask you a question? Teacher: Yes, ask.
Tinkoo: Do you Margaret madam? Teacher: I
Raise your words, not your voice. It is the rain that grows flowers, not thunder Ramesh Kumar Bung.
57
Sri Gourav Agarwal, IAS All India Topper is being honoured by Sri Ramesh Kumar
Bung at Head Of ice. Sri Umesh Chand Asawa, MD & CEO and other of icers of the
bank present on the occasion.
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