All India Regional Rural Bank Officers’ Federation (AIRRBOF)

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All India Regional Rural Bank Officers' Federation (AIRRBOF), popularly known as AIRRBOF, has completed its meaningful functioning of more than 30 years. Founded in 1987 at Ranchi, hill capital of the then Bihar State, AIRRBOF emerged over the period of 30 years as the largest and overwhelmingly acknowledged as the principal bargaining agent of 47000 officers working in 56 RRBs all over the country.

The emergence of AIRRBOF and the resurgence of RRBs are always in close synergies. The phenomenal growth of RRBs, their consolidation and acknowledgement as the best suited banking network in the semi urban and rural areas was made possible by the consistent, motivated and dedicated cadres of AIRRBOF. Then prevalent anarchy, indiscipline and aversion to work in the 1980’s were replaced by cohesiveness, coherent activities and camaraderie due to unstinted efforts by the leadership of AIRRBOF.

AIRRBOF is the affiliated body of All India Bank Officers' Confederation (AIBOC) which is the overwhelming majority organisation of the officers in the Banking Sector. AIBOC always advocated Nation First, Organisation Next and Individual Last. AIRRBOF vowed to translate the philosophy into practice. AIBOC & AIRRBOF believes that RRBs are part of Public Sector Banking Industry and should be integrated by way of transfer of total ownership of RRBs to the respective Sponsor Banks. The Foundation Conference of AIBOC held in New Delhi in 1985 and that of AIRRBOF at Ranchi in 1987 resolved to ensure untiring efforts in achievement of complete parity in salary, allowances & terminal benefits between RRBs and Sponsor Banks.

Regional Rural Banks (RRBs) established under RRB Act, 1976 did yeomen's service in the economic upliftment of the people living below poverty line. The officers played key role in the pioneering work of the Bank. RRBs cover 652 districts having branch network of 21398 RRBs employ 48050 officers, 38505 other staff making it a total of 86555 staff. Officers in RRBs have to undertake, unlike the Commercial Banks, all kinds of work to keep the wheels of development moving. The total customer base of the RRBs comprises of over 3 Crore of customers having deposit and above 2 Crore of customers having Loan Account making it a total of over 5 Crore. The total deposit of RRBs as on 31st March, 2017 stood at 371842 crore and loan business at 228598 crore making it a total business of 600440 Crore. The total profit of RRBs was Rs. 4096.63 crores as on 31.03.2017 as against Rs. 2744 crores as on 31.03.2016. Only 6 RRBs are having losses located mostly in the North Eastern States & Jammu & Kashmir. The gross NPA of RRBs, whose loan portfolio consists of mostly small loans to underprivileged section, was only 7.71% and the net NPA is only 4.41% as on 31.03. 2017. Compared to Public Sector Banks who could hide their NPA by more provisions the loan portfolio of RRBs is much better.

Despite of the spectacular performance of the RRBs Govt. of India in a bid to privatise RRBs got RRB Act Amendment Bill 2014 passed in the Parliament in December 2015 and notified it subsequently. The Amended Act provides to increase the authorized share capital of RRBs from Rs. 5 Crores to Rs. 5000 Crores and the paid up capital from Rs. 1 crore to Rs. 2000 crore. It also makes provision for disinvestment of the capital of the RRBs from the existing stake holders with a rider that the combined share holding of the Central Government and Sponsor Bank should not be less that 51%. Read More

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