Branch Functions & CASA RSRao BFS Consultant

2015 R S Rao BFS Consultant

Proprietary and Confidential

Branch Functions

&

CASA

An Overview

Banking Domain Training



Typical Branch Layout & Resources

Manager (Branch Head)

Assistant Manager

Manager - Credit

Manager - Investment

Relationship Manager

CSR

Teller

Officer



Branch Functions

Teller Deposit Teller Withdrawal

Cheque Issue

Cheque

Serial NoSort Code Account No.

Tran Code



Branch Functions

Demand Draft

Demand Draft

Serial No

Sort Code

Account No.

Tran Code

Delimiter



Branch Functions

Safe Deposit Lockers

Customer Key

Banks

Master Key

Optional

Additional Lock

& Key



Branch Functions

- Outward Clearing & Inward Clearing



Branch Functions

Bills & Collections Step 1 - The seller and buyer enter into a contract and agree thatpayment be made on the basis of a documentary collection

Ste

p2

-T

he

selle

rship

sth

eg

ood

sa

nd

ten

de

rsth

edo

cum

en

tsto

its

ba

nk

(re

mittin

gb

an

k)

tog

eth

er

with

aco

rre

sp

on

din

gco

llectio

no

rde

r

Step 3 - The remitting bank sends the documents alongwith its collection instructions to ICICI Bank (collecting bank)

Ste

p4

-IC

ICI

Ba

nk

no

tifies

the

bu

ye

r

of

arr

iva

lo

fdo

cum

en

ts,

for

his

pa

ym

en

t/a

cce

pta

nce

Ste

p5

-T

he

bu

ye

rp

ays

the

am

ou

nt

du

eo

racce

pts

the

dra

ftan

din

turn

rece

ive

sth

e

do

cu

me

nts

Step 6 - ICICI Bank remits the amount to the remitting bank

Ste

p7

-T

he

rem

ittin

gb

an

kcre

dits

the

am

ou

ntto

the

se

ller

sa

cco

un

t



Branch Functions

Pass Book Issue, Updates, Self Service Options



Branch Functions

Delivery Channels



Branch Functions

Forex Exchange Services

Foreign Exchange Services

A Multi product, Multi Currency offering of to meet all FX needs through a single window offered by a team of specialist

resources.

A Total Foreign Exchange solution to cater to ALL customers needs

Remittances

With our Online and Offline remittance solutions you can transfer money from anywhere in the world to anywhere in

India with abundant ease.

Hedging Instruments

A range of solutions to hedge the Foreign Exchange exposures on your India onshore investments / flows.

Dedicated Treasury Desk

A team of experienced Foreign Exchange dealers has been set up in Mumbai to cater to your needs. With substantial

experience in areas of Foreign Exchange and other Financial Market products this unit assists you with:

Consultation on products / services best suited to meet your requirementsEasy access to market information on currency movementsTransaction execution at competitive pricesDedicated Foreign Exchange area in onshore branches

To enable a Single Window experience and assist you with all your Foreign Exchange queries and execution, we have

set up a specialized FX Desk in key India branches along with the services of a dedicated foreign exchange specialist.

Forex Rates

The card rates are subject to revision from time to time, due to factors such as market volatility, and at total discretion of

the Bank.



Branch Functions

Forex Exchange Rates



Recap, Clarifications, Questions & Answers

Learning points:

Why branches are required?

Branch is the Focal point to carry out banking activities

Branches do financial intermediation

In the area where Branch is located - Branch represents Bank

Branch reaches out to Customers through different delivery channels

Over to Participants for Inputs & Questions

Question on various functions handled at the branches

1.

2.

3.

4.

5.

6.



What is CASA?

CASA represents Current and Savings Accounts

What is purpose of Savings Account?

First point of Banking Relationship for Retail customers Purpose: Savings & Convenience of Operations

Benefits:

Safety of Funds Convenience of operations Multi-Channel access Account monitoring Periodical Account Statements Inter Account Operations Standing Instructions Fund Transfer between own and third party accounts

Modes of operation

Cheque Withdrawal ATM-cum-Debit Card Net Banking Mobile Banking SMS Banking IVR/ Call Centre

Add on features

Online Payments Payment System products NEFT, ECS, IMPS Online Bill Payment Account Summary

Who can open Savings Account?

Individuals Two or more jointly Trusts Clubs Registered / Unregistered Societies

SAVINGS Account:



Savings Account

Account Opening

Mr Wilson walks in to the branch Meets the CSR for opening Savings Account CSR welcomes Mr Wilson and enquires the purpose of account

opening

Satisfied about the purpose, briefs Mr Wilson about Banks Customer Acceptance Policy and KYC compliance requirements

CSR provides a list of documents to be submitted for opening the Savings Account

Informs about various Savings Products Recommends a Savings Product providing an overview of

product features

Mr Wilson is satisfied about the product features and expresses his intent to open the recommended Savings Account



Savings Account

Customer On-boarding Experience

The Customer Delight CSR provides the Savings Account opening form / Annexures and assists Mr Wilson to fill

in the details

Mr Wilson is guided about various operation instructions and channel options CSR explains the various features of the product and hands over a Savings Account

Brochure to Mr Wilson

Mr Wilson completes the process of filling in Account opening form and annexure for various channel options

Mr Wilson submits documents for Identity Proof Address Proof

CSR explains the importance of Nomination and guides Mr Wilson to fill in the Nomination Form

CSR explains the Rules of Business of the Bank related to Savings Account CSR hands over the Welcome Kit to Mr Wilson containing the following

A copy Rules of Business & Terms and conditions Non-Personalized Cheque Book Non-Personalized ATM-cum-Debit Card Closed Envelope containing the password for ATM cum Debit Card

CSR informs the lead time for activation of the Savings Account and ATM cum Debit Card Mr Wilson verifies the contents of Welcome Kit and hands over the Acknowledgement

confirming receipt of the contents to the CSR

CSR thanks Mr Wilson for starting relationship with the Bank and informs about various contact options for communication with the Bank

Mr Wilson thanks the CSR for the exceptional experience and takes leave as a Delighted Customer

16 Proprietary and Confidential

@ 2015 copy right R S Rao BFS Consultant

Recap, Clarifications, Questions & Answers

Over to Participants

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Documents

Branch Functions & CASA RSRao BFS Consultant