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8/3/2019 Branch Group Banking
1/16
A Prosperous year for Financial Sector:
An overview of Financial Institutions
A Prosperous year for Financial Sector:
An overview of Financial Institutions
RBy: Prof. Riaz. A. Mian
8/3/2019 Branch Group Banking
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ORGANIZATIONAL BEHAVIORORGANIZATIONAL BEHAVIORS T E P H E N P. R O B B I N SS T E P H E N P. R O B B I N S
E L E V E N T H E D I T I O NE L E V E N T H E D I T I O N
W W W . P R E N H A L L . C O M / R O B B I N SW W W . P R E N H A L L . C O M / R O B B I N S 2005 Prentice Hall Inc.All rights reserved.
2005 Prentice Hall Inc.All rights reserved.
PowerPoint Presentationby Charlie Cook
PowerPoint Presentationby Charlie Cook
Branch Banking
Banking & Finance
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Branch Banking plays an important
role in success of any bank. A branch is
a centre from where the business of abank is handled. It has two parts:
Part I Operations
Part - II CreditBranch
Ba
nking
Banking & Finance
Banking & Finance
Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
8/3/2019 Branch Group Banking
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13
Branch
Ba
nking
Account
Opening
Account
Operations /
Maintenance
Operations
Part-I
Cash Handling
Remittances
Part-II
Credit Application
Form Processing
Information
Analysis
Investigation /
VerificationCIB Report
(Credit InformationBureau)
Data Chart Report
(SBP)
Collateral
Valuation
Credit
8/3/2019 Branch Group Banking
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14
Branch
Ba
nking
Utility Bills
Lockers / SafeCustody Operation
Guarantee / Surety
Operations
Agency / Brokerservices
Trust Operation
CounselingServices
Statement
Processing
Physical
verification
Reference
Check
CNIC
Verification
(NADRA)
Approval
Insurance
Disbursement
Recovery
Issuance of L/C and
advising of L/C
Manages the collection
of problem credit
Foreign
Exchange
Business
Letter of CreditChecking ofExport / Import
documents
under L/C
8/3/2019 Branch Group Banking
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15Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
Branch
Ba
nking
Back office
operations
Payment services
Reconciliation of
Settlement account/ ATM accounts
Internet / Phone
banking - handling
customer queries
Checking documentsagainst payment/
acceptance
Bills Purchases
Feed Back
Marketing
Product promotion
8/3/2019 Branch Group Banking
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Banking & FinanceBanking & Finance
Credit ManagementThe Banks Credit Management,
manages the administration of thecredit-granting process; establishes
bank wide credit policy; and provides
collateral valuation services, and loan
portfolio management.
Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
Branch
Ba
nking
8/3/2019 Branch Group Banking
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Banking & FinanceBanking & Finance
Credit Management Functions Establishes and communicates credit
policies, procedures, and
underwriting guidelines to bankofficers
Analyzes the distribution of the
bank's portfolio
Reviews business unit strategies
impacting the bank's credit portfolio
Approves or declines individual credit
recommendations
.
Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
Branch
Ba
nking
8/3/2019 Branch Group Banking
9/16
18
Banking & FinanceBanking & Finance
Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
Branch
Ba
nking Provides collateral valuation
services to lending units, including
real estate appraisal, accounts
receivable, inventory valuations,
and agricultural field valuations
Calculates and forecasts the
bank's allowance for credit losses Manages the collection of problem
credit
Credit Management Functions contd
8/3/2019 Branch Group Banking
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Banking & FinanceBanking & Finance
Provides commercial credit
training to credit management and
lending professionals
Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
Branch
Ba
nking
Credit Management Functions contd
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110
Branch
Ba
nking Banks may fulfill the following
operations:
1. Attract deposits on a paid basis;2. Conduct the account of clients
and correspondent banks;
3. Effectuate the settlement of
accounts on behalf of clients andcorrespondent banks and the
cashier servicing thereof;
Banking & FinanceBanking & Finance
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111
Branch
Ba
nking
4. Grant to juridical and natural
persons short-term and long-term
credits on the conditions of repay
ability, pay ability, and periodicity;
5. Finance capital investments onbehalf of the possessors or
disposers of assets being invested;
6. Issue own securities (or cheques,
bills of exchange, letters of credit,deposit certificates, stocks, and
other debt obligations) in the
procedure provided for by law;
Banks may fulfill the following operations:- contdBanks may fulfill the following operations:- contd
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112
Branch
Ba
nking 7. Purchase, sell, and keep payment
documents and other securities
and other operations with them;
8. Issue surety ships, guarantees,and other obligations for third
persons providing for
performance in monetary form;
9. Render broker services withregard to banking operations; act
as an agent of clients at their risk;
Banks may fulfill the following operations:- contdBanks may fulfill the following operations:- contd
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113
Branch
Ba
nking 10. Services relating to the keeping of
documents and valuables for
clients (safe business);
11. Finance commercial transactions,including without the right of risk
against the seller (forfeiting);
12. Trust operations on behalf of
clients (attraction and placementof assets, management of
securities, and others);
Banks may fulfill the following operations:- contdBanks may fulfill the following operations:- contd
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114
Branch
Ba
nking 13. Render consulting services
connected with banking activity;
14. Effectuate leasing operations;
15. Conduct operations with foreigncurrency;
16. Render services relating to the
sending of money (encashment).
Banks may fulfill the following operations:- contdBanks may fulfill the following operations:- contd
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Banking & FinanceBanking & Finance
Prof. Riaz Ahmed Mian, HCBF, University of the Punjab
Branch
Ba
nking
thank you
BEST OF LUCK