There is a well defined system in the Bank regarding the decision making process. Financial decisions are taken at various levels by different officials depending upon their positions and also through committee approach. Centralized credit processing cells are being formed at certain centres for sanction of personal segment loans and loans under SIB segment. Branches will source the applications and forward them to the respective credit processing cells, for their consideration. Further, there is a well defined organisational structure and a clear system of accountability and control system, which also take into account the RBI / CVC guidelines. Management Graduates from IIMs and other top institutes are selected on contractual basis for 5 years for different verticals in the bank. They are designated as Management Trainees in their 1st year and as Asst. Vice President from 2nd year onwards.