MCC Bank Holds Half-Yearly Performance Review and Cyber Security Awareness Programme

MCC Bank conducted its Half-Yearly Performance Review and Cyber Security Awareness Programme titled “Cyber Safe Bank” on 8th November 2025 at the P.F.X. Saldanha Memorial Auditorium, Administrative Office, Mangalore.

‘Sahakara Ratna’ Mr Anil Lobo, Chairman of the Bank, presided over the programme. Rev. Fr Andrew Leo D’Souza, Parish Priest of St Lawrence Church, Bondel, was the Chief Guest. Dr Ananth Prabhu, Principal Investigator &Cyber Security Expert, Mr Sunil Menezes, General Manager of the Bank were on the dais.

In his presidential address, Chairman Sahakara Ratna Mr Anil Lobo appreciated the staff members who had achieved their targets for their dedicated efforts. He emphasized the need to address issues that hinder the progress of the Bank and outlined key areas requiring attention for achieving sustained growth. He urged all staff members to identify and rectify inefficiencies that may affect operational performance.

The Chairman also commended the efforts of the Department Heads, General Manager, and Deputy General Manager for their leadership in identifying the Bank’s shortcomings and guiding staff towards greater efficiency. He called upon staff members to work with professionalism and commitment to achieve their targets. He further advised Branch Managers and senior officials to educate their branch staff thoroughly on the Bank’s products and services to ensure growth in alignment with the Bank’s overall progress.

The Chairman Mr Anil Lobo also suggested enhancing the Bank’s public relations efforts to strengthen trust and build a deeper connection with the local community. He stressed the importance of celebrating local festivals to foster goodwill. He firmly stated that indiscipline and audacity in the workplace would not be tolerated and that corrective measures would be taken promptly.

Addressing the gathering, Rev. Fr Andrew Leo D’Souza congratulated the Chairman for his exemplary leadership and valuable contribution to the Bank’s progress. He appreciated the systematic approach adopted in organizing the Bank’s campus and operations, enabling the Bank to move forward confidently while facing challenges. Despite stiff competition, MCC Bank has performed remarkably well and achieved significant growth. He stated that the credit for this success goes to the customers, the Management, and the staff. He emphasized that even the smallest customer should be valued as the best customer of the Bank, as that is the true measure of success. He highlighted the importance of regular performance reviews for both individuals and institutions, as they help in achieving excellence. He urged staff members to develop a sense of belonging towards the Bank and to serve customers with a smile and a positive attitude, which, he said, would enhance customer satisfaction and expand the Bank’s customer base. He conveyed his best wishes to the Bank and assured his continued blessings.

A Cyber Safety session was conducted by Dr Ananth Prabhu, a renowned Professor in the Department of Computer Science and Engineering at Sahyadri College of Engineering and Management and Principal Investigator at the Digital Forensics and Cyber Security Centre of Excellence. Dr Prabhu provided valuable insights into maintaining a secure banking environment amidst growing cyber threats. His session, titled “Cyber Safe Bank”, focused on best practices to ensure confidentiality and integrity of the Bank’s digital assets and to safeguard customer data in an increasingly digitized world.

The Heads of various Departments at the Administrative Office reviewed operational challenges affecting the smooth functioning of the Bank and urged staff to avoid such issues in the future. Mr Raj Menezes, Deputy General Manager and Mr Sunil Menezes, General Manager, reviewed recurring mistakes made by staff and advised them to minimize such errors to improve efficiency and customer service.

Mr S.H. Vishveshwaraiah, Advisor of the Bank, presented the half-yearly review for the period ended 30.09.2025. He reviewed branch-wise performance in Deposits, Advances, CASA, and NPA, appreciated branches that achieved their targets, and encouraged others to reach their goals by March 2026.

Directors, Mr Herald Monteiro, Mr Roshan D’Souza, Mr Melwin Vas, Mr Felix D’Cruz, Credit Advisor Mrs Celestine Leena Monteiro, IT Advisor Mr Roshan Madtha were present on the occasion.

The programme commenced with a prayer song led by Ms Dealle D’Souza and her team. The vote of thanks was proposed by Mr Sunil Menezes, General Manager of the Bank. Mr Steevan D’Silva, Credit Officer, Kankanady Branch, compered the programme.

All staff members actively participated in the Performance Review and Cyber Security Awareness Programme with great enthusiasm.

The 70th Kannada Rajyotsava was celebrated at the Bank of Baroda, Zonal Office, Mangaluru, on 3rd November 2025.

Dr. Vasanth Kumar Perla — a poet, writer, scholar, literary organizer, and former Director of All India Radio, Mangaluru — gave a detailed and insightful presentation on the history of Karnataka. He emphasized that the use of Kannada language is gradually declining compared to English and urged everyone to promote and preserve Kannada.
Mr. Harekala Hajabba, recipient of the Padma Shri award, shared his inspirational life journey and the challenges he faced. He spoke about how he collected money from selling oranges and through donations to build a government school, donating 1.22 acres of land from his own holdings. Recognizing his remarkable contribution, the Government of India honored him with the Padma Shri award in 2020. He also expressed gratitude to several nationalized banks for their support in his endeavors.
On this occasion, the General Manager & Deputy General Manager spoke about the importance of Karnataka and the Kannada language, and felicitated both Dr. Vasanth Kumar Perla and Mr. Harekala Hajabba.

As part of the Bank’s Corporate Social Responsibility (CSR) initiative, Bank of Baroda donated computers to the Dakshina Kannada Zilla Panchayat High School, Harekala, through Mr. Hajabba as a token contribution.

Vitamin D₃ (cholecalciferol) is not merely a vitamin; it is a prohormone that regulates over 200 genes and influences nearly every cell in the human body.

By Dr. Devan

Autoimmune diseases — from rheumatoid arthritis, multiple sclerosis, psoriasis, Hashimoto’s thyroiditis, lupus, vitiligo, to type 1 diabetes — all share a common mechanism: the immune system mistakenly attacks the body’s own tissues.
Modern medicine attempts to suppress this immune overactivity using steroids and immunosuppressants, which offer only temporary relief, often at the cost of severe side effects.

But a simple, natural molecule — Vitamin D₃ — the sunshine hormone, has emerged as a powerful immune modulator capable of restoring immune balance and, in many cases, curing autoimmune disorders when used in optimal, sometimes high, physiological doses.

Vitamin D₃: More Than a Vitamin
Vitamin D₃ (cholecalciferol) is not merely a vitamin; it is a prohormone that regulates over 200 genes and influences nearly every cell in the human body.
Its active form, calcitriol (1,25-dihydroxy vitamin D₃), functions as a genetic switch that fine-tunes both innate and adaptive immunity.

Unlike other vitamins, D₃ directly controls immune cell behavior, determines whether inflammation proceeds or subsides, and guides the immune system to tolerate the body’s own tissues.

Mechanism of Action in Autoimmune Control
High-dose Vitamin D₃ works by resetting immune tolerance through several critical pathways:

Suppression of Auto-aggressive T-Cells

Vitamin D₃ suppresses Th1 and Th17 cells, which drive autoimmune inflammation.
It reduces the release of cytokines such as TNF-α, IL-6, and IL-17 that attack tissues.
Stimulation of Regulatory T-Cells (Tregs)

Vitamin D₃ boosts Treg cells, the peacekeepers of the immune system.
These cells prevent misdirected attacks against one’s own organs.
Stabilization of Dendritic Cells

Calcitriol converts dendritic cells into a tolerogenic state — promoting immune calmness instead of activation.
Reduction of Molecular Mimicry

Many autoimmune diseases arise from foreign antigens resembling self-tissue.
D₃ diminishes this cross-reactivity by fine-tuning immune memory.
Improvement of Gut Integrity

The gut is the cradle of immunity.
Vitamin D₃ strengthens intestinal barriers, reducing leaky gut, a major source of autoimmune triggers.
Anti-inflammatory and Antioxidant Effect

Vitamin D₃ lowers C-reactive protein (CRP), oxidative stress, and cytokine storms, creating a systemic anti-inflammatory environment.

The Coimbra Protocol — A Clinical Revolution
Developed by Dr. Cicero Coimbra, a Brazilian neurologist, this protocol uses high-dose Vitamin D₃ (typically 10,000–60,000 IU/day) tailored to each patient, under medical supervision, to halt and reverse autoimmune activity.

The Coimbra Protocol has shown remarkable success in:

Multiple Sclerosis (MS)
Psoriasis and Vitiligo
Hashimoto’s and Graves’ disease
Rheumatoid Arthritis
Lupus (SLE)
Inflammatory Bowel Disease (IBD)
Type 1 Diabetes (early phase)
Clinical studies have documented:

Normalizing immune markers within months
Reduction or disappearance of symptoms
Discontinuation of steroids and immunosuppressants

High-Dose Therapy — Safety and Protocol
High-dose Vitamin D₃ therapy must never be taken blindly.
It requires medical supervision, regular calcium monitoring, and co-supplementation.

Typical Supportive Nutrients:
Nutrient Function
Magnesium Cofactor for Vitamin D activation
Vitamin K2 (MK-7) Directs calcium into bones, prevents vascular calcification
Omega-3 fatty acids Reduces inflammation
Zinc + Selenium Support immune modulation and thyroid function
Adequate hydration Prevents hypercalcemia
Low-calcium diet Avoids excess serum calcium

Monitoring Parameters:
Serum 25(OH)D levels
Calcium and PTH (Parathyroid Hormone)
Creatinine and urinary calcium

Target levels:

25(OH)D: 80–120 ng/mL (under supervision)
PTH: Low-normal range (indicates optimal D activity)

Clinical Evidence
Multiple Sclerosis (MS)

High-dose D₃ shown to reduce relapse rates by over 90% in several observational studies.
MRI evidence shows fewer demyelinating plaques.
Hashimoto’s Thyroiditis

Vitamin D₃ decreases anti-TPO and anti-thyroglobulin antibodies, often leading to reduction or cessation of levothyroxine therapy.
Vitiligo & Psoriasis

Enhances melanocyte activity and reduces autoimmune destruction of pigment cells.
Topical + oral D₃ combinations promote repigmentation.
Type 1 Diabetes

Early supplementation in children significantly reduces disease onset risk by modulating pancreatic immunity.
Rheumatoid Arthritis

High-dose D₃ reduces joint pain, swelling, and ESR/CRP, leading to remission in some cases.

Diet and Lifestyle Synergy
To maximize the autoimmune-curing potential of Vitamin D₃:

Sun Exposure

20–30 minutes of full-body sunlight between 10 AM – 2 PM boosts natural D₃ synthesis.
Even 15 minutes daily can produce up to 10,000 IU.
Anti-inflammatory Diet

Emphasize omega-3s, turmeric, leafy greens, garlic, and berries.
Avoid sugar, gluten, and processed foods that trigger immune activation.
Gut Repair

Include probiotics and prebiotic fibers.
A healthy gut microbiome enhances Vitamin D receptor (VDR) sensitivity.
Stress Reduction

Cortisol dysregulation impairs immune balance.
Yoga, deep breathing, and meditation augment D₃’s calming immune effect.

Dr. Devan’s Perspective
“Autoimmunity is not your body turning against you — it is your immune system crying for regulatory balance. Vitamin D₃, in its full physiological potency, provides that balance by restoring the forgotten harmony between defense and tolerance.”

Summary Table
Parameter Normal Range / Role
25(OH)D Optimal Level 80–120 ng/mL
Autoimmune Benefit Immunoregulation, tolerance induction
High Dose Used In Multiple sclerosis, vitiligo, Hashimoto’s, RA, psoriasis
Adjunct Nutrients Magnesium, Vitamin K2, Zinc, Selenium
Monitoring Serum calcium, PTH, renal function
Outcome Reduction or reversal of autoimmune attack

High-dose Vitamin D₃ therapy represents one of the most promising, natural, and physiologically sound treatments for autoimmune diseases.
By correcting an ancient deficiency in sunlight and restoring immune equilibrium, Vitamin D₃ transforms the narrative of autoimmunity from lifelong struggle to complete recovery.

“The body heals when you give it what it was always designed to have — sunlight, nourishment, and faith in its innate intelligence.”
— Dr. Devan

ATIL–2025 Inaugurated at University College, Mangaluru: Aravind Bolar Highlights the Link Between Food, Health and Education

Mangaluru, Nov. 5:
“Quality education can be achieved even through initiatives like ATIL,” said Tulu film actor and cultural icon Aravind Bolar, inaugurating the ATIL–2025 programme held at the University College, Mangaluru.

Speaking on the occasion, he emphasized that good health begins with good food habits. “It is not enough to just eat food; one must also understand how it is prepared and the benefits of each ingredient. Only then can we ensure proper care of every family member. Loving care is the need of the hour,” he added.

Bolar noted that food festivals give students valuable practical experience. “Through experience and knowledge, one can face any difficult situation with confidence. Experience is the key to success in life. Hence, students should learn patiently and gain experience from every opportunity,” he advised.

Presiding over the function, Principal Prof. Ganapathi Gowda said that students must begin to take care of their health at an early age. He remarked that ATIL provides a platform for developing such awareness. “In today’s world, with many food options available, traditional and basic foods are disappearing. We must pay more attention to preserving them,” he cautioned.

As part of the World Tourism Day celebration, prizes were distributed to the winners of a quiz competition organized by the Department of Tourism.

Prof. Jagadeesh, Head of the Department of Tourism, Prof. Jayavanth Nayak from the Department of Economics, Dr. Parinitha Shetty, Dr. Sreeraj, and Bharath Kumar were among the faculty members present on the occasion.

The Joy of Giving | the Power of a Story | Positive Journalism in Action | Turning Recognition into Compassion | Global TV

Global TV brings the spirit of positive journalism with a unique vision that uplifts and connects people. Inspired by the values of Dr. APJ Abdul Kalam, the concept of the Food Coupon was created to turn every inspiring story into an opportunity for compassion.

How the Food Coupon Works

Every personality featured on Global TV, whether an innovator, educator, or leader, is invited to purchase a Food Coupon worth ₹500.

This amount is a simple and direct contribution meant to help someone in need. The message printed on every coupon reads:

“Pay direct to a Beneficiary.”

There are no middlemen, no formalities, only a sincere act of sharing. The giver and the receiver remain connected through the quiet joy of a good deed. We suggest the beneficiary to do something creative in the chain of goodness meant for society building.

Turning Recognition into Responsibility

The beauty of this initiative lies in its simplicity. Every time someone is celebrated on Global TV, their moment of recognition also becomes a moment of giving. It transforms appreciation into responsibility, fame into service, and storytelling into community building.

Supported by Career Club and Time Bank

The Food Coupon initiative is supported by Career Club and Time Bank, two platforms that encourage people to invest their time, skills, and compassion for the common good. Together, they form a circle of positive action that strengthens both individuals and society.

A Vision that Feeds Hope

The Food Coupon is about bringing people together to think and act. It creates ripple effects to improve the standard of living of the people at the bottom line of the society.   We believe that every story of success carries a duty to uplift others.

As Dr. Kalam inspired us: “Let positive journalism become the light that transforms truth into nation building.” Through this initiative, Global TV carries that light forward with every story and every act of kindness.