Branch Banking (Structure)

Here i presents on Branch Banking and what thing are done in branch banking.

1. Aman Singh Raghuvanshi BY असर ( ASR)

2. Banks run through customer operating offices which are commonly know as Bank-Branches . A single branch has a specific area of operation although not restricted to it. Each branch is managed by its own branch manger and closely assisted by experienced Relationship manager or a wealth manager an assistant branch manger. A Bank X branches are connected to each other and to the Head office usually known as the Bank House . All application processing takes place at a processing center in one or two locations usually known as the Shared Service Branch . Each bank branch is required to have an Automated Teller Machine.  What are Bank Branches?

3. Services provided at the Bank Branches Account opening Cash receipts Cash payments Cheque book issue Stop payment of cheques Closure of fixed deposits and premature withdrawals Issue of DDs and banker's cheque Safe deposit lockers Foreign exchange services Gold retail DeMat services Acceptance of clearing cheques Deliverables, such as cheque books, debit cards, PINs and passwords Acceptance of queries and complaints Investment services Standing instructions Retail loan product

4. Branch Manager Assistant Manager Relationship Manager Teller 1 Teller 2 Welcome Desk Executive Sales Team Branch Operation Manager/ Head Teller Branch Hierarchy

5. Branch Manager Cabin Help desk Cash Counter 1 NEFT/ RTGS Clearing Assistant Branch manager Term Deposit Loan Department Passbook Printing Machine Entry, Exit Customer Sitting Area Customer Sitting Area Account Opening Counter/ KYC Cash Counter 2 Locker Room Branch Structure Cash Deposit Machine Cheque Deposit Machine Bank Safe Conference Room Dinning Room Waiting Room

6. A   branch manager  is responsible for all of the functions of a  branch , such as hiring employees, overseeing the approval of loans and lines of credit, marketing, building a rapport with the community to attract business and assisting with customer relations. Branch Manager:- Assistance Manager:- The  assistant bank  branch  manager  supports the branch manager  by overseeing the efficient operation of the branch to ensure all operational functions are completely and properly performed by the staff while conveying a feeling of trust, service, security and satisfaction to customer and staff.

7. Customer Service Officer:- The  Customer Service officer(CSO) is a first point of contact for   customers . The primary role of a Customer Service Officer within the team is to respond to a variety of  customer  requests and inquiries via the telephone or in person over the counter. Relationship Manager:- A  R elationship M anager  is a professional who works to improve a bank's relationships  with both bank and customers, using methods such as efficient communication means and implementing measures to improve customer services provided. Other roles include managing disputes raised by customers and conflict resolution between customer and bank.

8. Teller:- A  bank teller is an employee of a  bank  who deals directly with customers. In some places, this employee is known as a cashier or customer representative. Most  teller jobs require experience with handling cash and a high school diploma. Most  banks  provide on-the-job training. Loan Officer:- Loan Officers, are people who work for  banks  and other financial institutions with the main objective to recommend individual and business  loan  applications for approval. Loan officers specialize in commercial, consumer and mortgage  loans .

9. Know your customer  (KYC) is the process of a business identifying and verifying the identity of its clients. The term is also used to refer to the bank and anti-money laundering regulations which governs these activities. Know Your Customer:- Elements:- Customer Identification Customer Acceptance Transaction Monitoring Risk Management

10. Cash Desk:- Cash Desk is a place in banks where you withdraw your money or you can deposit money in your account. Notice Boards:- A  Notice Board  is a board which is usually attached to a wall in order to display notices giving information about something, like- interest rate, foreign currency exchange rate, new offers, FD rates etc.

11. Intention of this board in bank, every customer get idea about how to verify fake note or original note. Using of this fake notes circulation in market are get restricted. Rupees Identification Board

12. Now a days Digital Display indicator have in every bank. Using of this display Customer not required to wait in queue . In this display show the token number & counter number. Using of this customer feel comfortable in bank. Digital Display

13. Using of Bar code which is stick in last page of bank pass book customer possible to print the pass book. Using of this customer not need to wait in queue. Passbook Printing Machine

14. Account Opening Form (AOF) The Account Opening Form (or AOF) contains various sections. This form differs in its format across different banks. However here we shall discuss about the important and the common sections of the form, which are: Personal Details Account Details Contact Details KYC Details Nomination Details Additional Details Customer Declaration

15. A  deposit slip  is a small written form that is sometimes used to deposit funds into a bank account. A  deposit slip  indicates the date, the name of the depositor, the depositor's account number, and the amounts of checks, cash, and coin being deposited. Deposit Slip

16. Withdrawal Slip  is a small paper  form  which has to be filled in before making a  withdrawal  of money from a  bank . The teller/cashier checked the signature on the  withdrawal slip . Withdrawal Slip

17. THANK YOU