The Pillars of Retail banking operations Peele SCs a eee CdrN aeON = a(n This presentation is an overview of my past professional and academic experience in the banking industry with regards to controlling and finance Bilao elo CUMCOl No NI (ola Mikel. 0) sho PLO NROy The topics mentioned here all purely based on my experience and knowledge of how the retail banking functions, what are its main activities, tools and techniques and what | learnt from their implementation in day to EWA ola Ua Mice Ol Mial aan ancl MA tal eoiccl Med Ta) Ua) = 1eot oeTa) Analyst/Branch officer . This presentation is divided into two parts: 1. The first part explain the pillars of retail banking 2. The second part focus on my role and learning'sa iat-menrllan elles Retail banking Personal Loins} Tnicslenr-areyar-|| (eel g lel e-ic-) banking banking Leer alit=4Personal Banking Why do we need personal banking? lela ls personal banking the need of hour and helps in generating more business AViidaMal eke icelen-as-ld cadena Rage late Yel TRS tU EM nto) acelin Personal Banking refers to all the services like Savings Account Operations, Current Account Operations, Provision of Personal Loans, Investments, Credit Card Services, treasury management, trading and all other facilities that the Banks offer to persons or individuals.Division of activities in Personal banking (eT eT) Xe) een} * aici pre ecies neces IU euAculs Renae internet banking “Manage cash inflow, outflow “Trading in and turnover currencies, shares and other financial reporting and oy securities account ‘customer Recineraien accounts and closure. controlling : “Balance Processing of cisromer: customer analysis anc r portfolio . lant management reconciliation Developing settlements peters * *Cash pooling and collections Internal _imemet ahem itance auditing and “Maintain nts reporting for operations - 5 Operation and collection z frauds liquidity by services transactions 5 *Presentations racine through ‘Monthly i iglencland Forex, financial ey Financial te | derivatives pees reporting ae banking:Business Banking Whether a small firm, big company or an industry. Does Business banking provides efficient solution for economical growth Or Does it help in providing a competitive edge to businessmen? Well lets have a look at Business banking and its tools? Acompany's financial dealings with an institution that provides business loans, credit, savings and checking accounts specifically for companies and not for individuals. Business banking is also known as commercial banking and occurs when a bank, or division of a bank, only deals with businesses.Division of activities in Business banking er acotatectese lied and services *Managing business accounts *Offering payments and collection services *Providing international transfers “Financial reporting and database controlling ESS eee Ory *vendor dealer finance by short, medium and long term loans *Processing, documentation and closure. *Presentations to clients for new offers and transaction "Settlement of accounts and daily business Bice aula ey “Ensuring credit and trade services “Letter of guarantees, import-export finance, negotiations, Forex services “Contacting international partners for networking ENN eaytes *advising clients on account transaction *Maintaining account reports, analyzing deviations and reporting to corporate office * Reporting the new tends in bankingInternational Banking What happen when banks do international banking for the purpose of expanding business Or How do business, individual or companies benefits from international What does it includes? When banking transactions crosses national boundaries then it becomes HTaleclaarelecodarel ers al diay -auielm= cli) ("91 el Vea Kelme (elgalsrq(el Ta LeRe aired) foreign residents, claims of foreign bank offices on, local residents, claims of domestic bank offices on, domestic residents in foreign currency deposits similarly classified by residence of bank or depositor, or currencyDivision of activities in International banking Bank Accounts * Opening savings and deposits accounts * Offering Forex services for remittances and collection *Providing international transfers "Maintaining account transactions Money MelSicle *international cash management * Doing SWIFT, NIFT, RTGS. *Presentations to clients for new offers and transaction *Settlement of payments and receiving through corporate office Loans and Tass Ue} “Providing loans for property purchase * Offering portfolio investments. schemes *Offering insurance plan *Contacting international partners for networking Advisory ae) * Advising clients on account transaction “Maintaining account reports, analyzing deviations and reporting to corporate office * Maintaining the data in internal systemCorporate banking How do banks interact with each other and with companies in industrial sector? lolg Can we assume that corporate banking plays a same role as an In-house LT) -ta The answer lies in..... Financial services specifically offered to corporation such as cash management, financing, underwriting and issuing of stocks, bonds or other instruments can be termed as Corporate banking. Financial institution often maintain specific divisions for handling the needs of corporate clients, separate from consumer or retail banking activities for individual accounts. When this function is done from Industry point of view, this can be termed as Tate atoles-Mey-Tal aay odDivision of activities in Corporate banking Cash cout ete eterna cy ole coe) Rate *Providing short and medium financing * Maintaining cash in and outflow from dealers, distributors and suppliers *Timely execution of collections and disbursements *Providing *Providing different information on accounts such ‘treasury and as business global markets Control over a/c, made to ‘Offering foreign order, flexible trading in payments and alc Forex, receivables *Offering derivatives electronic and metals, *Providing transfer and reporting to trade son internet corporate through LOC, banking office Busranteess *Assisting in * Providing PNB Ee an business plans information wentory on interest financing wee transaction *Servicing account through technology and logisticsTask of an Analyst ELICTTATION The role of an analyst in banking —— is very important ALLOCATION specially in retail banking area where an analyst is required to deal with different customers and perform various tasks.Division of activities of an Analyst Although the role of an Analyst different from bank to bank. Still there are various comparable activities which an analyst takeover in day to day banking business. een Une AUER UC Rem ulnar sty laren -ig Me-latleislolt) ean Controlling Trade and and ees reporting creas}Customer transaction banking Account management Database controlling Cash management ONeluiiliaclecelaieCed elec) Documentation Presentations LOU cola latte choaey Business development Maintaining service standardsControlling and Reporting Controlling cash and treasury functions Monthly and quarterly reporting —_Liquidity forecasting and planning CoN Cela ee ALMA IS Risk and business evaluation Deviation reconciliation and reporting eae Me oleae ielm Lacy Filing of audit reports and statements OPEX (operating expenses) reportingTrade and Advisory services Forex transactions International transfer and Networking with dealers and remittances partners Business credits, loans and advances Account transactions and settlements. Utility services like billing, taxation for Customer requirements analysis alertsA Compact View ON mold ay Me tal M eda ayaa Ste ANTAL Vance lms Con tLe el that indeed it was a learning experience and help me to understand how bank works, how customers are maintained and what exactly banking eT NTA cm-I 1910.0 | hope this presentation gave you an idea of retail banking and also about my role in it. Miielencolmect-(eliit-4