Branch Group Banking

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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


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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


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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


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Branch

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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


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15Prof. Riaz Ahmed Mian, HCBF, University of the Punjab

Branch

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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


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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.


Branch

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nking


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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

.


Branch

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nking


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Branch

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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


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Provides commercial credit

training to credit management and

lending professionals


Branch

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nking

Credit Management Functions contd


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Branch

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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;



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Branch

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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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Branch

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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;



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Branch

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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);



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Branch

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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).



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Branch

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nking

thank you

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Branch Group Banking