Section A – Particulars Of Bank

1.        title of the bank including all banking subsidiary companies in which the bank has a controlling interest

2.        Principal Address

3.        When established

4.        Authorized capital

Paid up capital

Total assets

Total deposits

Total loans and discounts

These should be as shown in the last annual statement or reports

5.        do you consider the character of your business essentially to be that of :-

(a)                 Commercial Bank

(b)                 Private bank

(c)                 Merchant bank

(d)                 Otherwise (please give details) ?

Please describe briefly the main activities of the bank to amplify answers (a).(d) above.

6.        state number of

(a)                 current cheque accounts

(b)                 inactive accounts (being those no movements in our during the past 12 months)

(c)                 savings and deposit accounts .

7.        name of correspondent bank or agent in London

                                                          Section B – Staff and Locations

8.        state the number of directors (salaried and permanent only )

9.        state the numbers falling in each of the following categories:

(a)               Number of locations

(b)              Number of employees and officers

(who are not directors) but including

employees of all grades including

messengers. Guards . domestic . employees

and the like and divided as follows

Head

office

Comp

center

Admin

center

Main

branch

Other

branch

Agencies

                                                          Section C – Values At Risks

10. state MAXIMUM value at :-

(a)               Head office

(b)              Main Branches

(c)               Other locations

11. state MAXIMUM amount of cash including stock of unissued travelers cheques:-

(a)               Head office

(b)              Main Branches

(c)               Other locations

12. state MAXIMUM amount of cash and bearer and nogatiatable securities in transit at any one time :-

(a)               Head office

(b)              Main Branches

(c)               Other locations

Bearer or Negotiable

Securities

Cash bulletin precious stones and similar interest

With any one teller/cashier

At the entire counter of any one location

By armored motor vehicle

By messengers

Cash              Securities

Cash              Securities

                                                          Section D– Particulars Of Coverage

13. state the limit of indemnity required for

      banker policy

14. (a) is forged securities extension required

(b)              is additional cover excess of the bankers

policy limit required in respect of

(i)                            any insuring clause of the policy

(ii)                           vault risk only

15.     have you in existence any blanket FIDELITY

insurances ?

if so, state amount

and with whom arranged (insurer)

16.      has any proposal for insurance of this nature

       been declined by any insurance company or

       has any policy been cancelled or renewal 

       thereof refused?

       If so ,give the reasons stated

                                                          Section E – Claim Experience

Date discovered

Location

Nature of loss

Amount actual or estimated

                                                          Section F – Security 

18.     (a) have you a rule book or books or

       WRITTEN INSTRUCTIONS covering all

        Aspects of your business which clearly

       Define the duties of each employee?

(b)Is the attention of each employee drawn to these instructions and to their duty of compliance therewith?

(c)are the duties of each employee arranged so that no one employee is permitted to control any transaction from commercial to completion.

19.     (a)have you designated an officer or other

employee who is charged subject to supervision by your board of directors, with responsibilities for the installation , maintenance and operation of security devices and for the development and administration of a security programme?

(c)are employees trained( and re-trained from time to time )in security procedures ?

20. (a) are unannounced and irregular changes

      made in the position of employees within a

      particular job strata?

(b)              are all employees required to take an

            uninterrupted holiday of at least two

            weeks in each calendar year during which

            they perform no duties and are required to

            stay away from bank premises ?

20.     (a) is joint custody is established and

maintained for the safeguard of:-

(i)                               property while in safe or vaults?

(ii)                             All keys to safes and vaults?

(iii)                            Codes ,cyphers and test keys

(b)is dual control established and maintained for handling of :

(i)                               all types of securities , negotiable and non negotiable instruments and unissued and blank forms of said items?

(ii)                              The reserve supply of official cheques , drafts and unissued travelers cheques?

(iii)                            Dormant accounts of depositors?

(iv)                            Codes ,cyphers and test keys ?

22.(a) is there an internal audit dept.?

(c)               if so .

(i)                                      is there an “audit and control procedures” manual?

(ii)                                    How many people are employed in the internal audit dept?

(iii)                                   How often are full internal audits made?

(iv)                                  Are audits made regularly or on surprise basis?

(v)                                    Are all premises , including computer centers and facilities included in the audit?

(vi)                                  Is the person responsible for the auditing forbidden to originate entries ?

23. state the name of the independent firm of

      chartered accountants or professional auditors

      or other competent authority who fully audit

      your accounts annually

      in addition , please state

(a)                  frequency of audit

(b)(I) does the audit include all banking office?

      (ii)if not , what extent does the audit take?

      (c)do the auditors visit all branches ?

(d)(I) does the firm or authority regularly review the system of internal control and furnish written reports ?

     (ii)if so do these reports go directly to the board of directors ? 

State details of :-

Head office

Main branches

Other locations

24. Vaults and strongrooms

(a)               are the vaults and strongrooms on the premises ?

(b)              are they equipped with

(i)                                        a dial combination lock

(ii)                                       time lock

(iii)                                     a lockable day gate

(c)               (I) are the walls , floors and ceilings of reinforced concrete and lined with steel?

           (ii) state thickness of walls .

(d)              (I) state the name of manufacturer of the vault door

(ii)                                    state type , age and reference number of door

(iii)                                   are doors of are torch and drill resistive materials

(iv)                                  do they have anti explosive device in the doors

if any of the above are answered “NO” please describe alternative method of or type of protection

25.    Safes

(a)                   are there safes on the premises?

(b)                   Are they equipped with combination locks with relocking  device that will effectively lock the door if the combination is punched?

            (c) (I) state the name of manufacturer :

       (ii)state type , age and reference number

       (iii)are safes fitted with combination locks

                  (iv)are doors of are torch and drill 

                  resistive materials

                  (v)do they have anti explosive device in

                  the doors?

            (d)are safes anchored to the floor or alternatively do they weight not less than 680Kgs empty?

            many of the above are answered “NO” please describe alternative method of or type of protection?

26. Doors and Windows

Head office

Main branches

Other locations

(a)                     are all doors fitted with substantial locks

(b)                    are all windows fitted with substantial locks and barred

27. Alarms

(a)are there alarm systems against burglary

(b)are they connected to:

(i)                                          central station

(ii)                                         police station

(iii)                                       elsewhere (describe) ?

28. Tellers positions

(a)are there alarms systems against robbery

(b)does each teller have a robbery alarm button or pedal

(c)are tellers position separated from the rest of the banking hall by a suitable partition with doors kept locked during banking hours

(d)are tellers positions protected by anti-bandit glass

(e)is cash in excess of the amounts refereed to in question no 11 of this proposal removed immediately to a locked safe , vault or other protected place

(f)are all cashiers cash holdings taken to a safe / vault when vault is closed

(g)are cashiers provided with “bait” or “decoy” money

note:  “bait” consists of currency notes the domination, serial number and serial years of which have been recorded and verified by a second employee and left in a safe place such” bait” money should be given to a cashiers to be handed out only in the event of robbery

        29. Guards

          (a)do police patrol and inspect premises

(b)do you have armed guards

(i)                                            by day

(ii)                                          by night

(c)are they provided by

(i)                                          police

(ii)                                         agency

(iii)                                       the bank itself

(d)are they protected by a bullet proof cages

(e)how many night-watch men do you employee .

       30. Safe Deposit Boxes

(a)how many safe deposit boxes are there

(b)how many of these are rented

(c)how many of locations provide safe deposit facilities

(e)are all safe deposit boxes in a separate safe deposit vault

(f)if not describe where they are kept

(g)are all boxes under dual control

31.Transit

(a)is transit of money and negotiable securities usually made by armored vehicle

(b)in respect of all other transits

(i)                                             how many messengers do you employee

(ii)                                            are messengers accompanied by a police armed guards

(iii)                                          are the trips scheduled at irregular intervals and varying routes

(iv)                                          is a private conveyance used

(v)                                           do you provide a messenger service for any customers

(vi)                                          do you make up payrolls for customers and deliver them to factories

(vii)                                        if so does your responsibility cease immediately on arrival at customer premises

32. Other Protections

(a)Please specify other protection devices such as :

Camera systems

Electrical money traps

Or any other security measures not mentioned herein