This presentation is an overview of my past professional and academic experience in the banking industry with regards to controlling and finance functions in various divisions from 2008 to 2010.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 I learnt from their implementation in day to day working life during my tenure in the retail banking area as an Analyst/Branch officer

1. The Pillars of Retail banking operations
Arpit amar
Your near by Business Consultant

2. An Overview
This presentation is an overview of my past professional and academic
experience in the banking industry with regards to controlling and finance
functions in various divisions from 2008 to 2010.
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 I learnt from their implementation in day to
day working life during my tenure in the retail banking area as an
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

3. The main pillars
Retail banking
Personal Business International Corporate
banking banking banking banking

4. Personal Banking
Why do we need personal banking?
Or
Is personal banking the need of hour and helps in generating more business
with high customer satisfaction and trust?
Well Let us how it defines itself
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.

5. Division of activities in Personal banking
Cash and
Account and Loans and Trading and
Treasury
Deposits Investment internet banking
management
*Processing, *Manage cash
*Customer inflow, outflow *Trading in
documentation
accounts and turnover currencies,
and closure.
controlling shares and
*Customer *Balance
*Processing of other financial
analysis and reporting and
customer securities
portfolio account
claims, reconciliation *Developing
management
settlements internet
and collections *Internal *Cash pooling
services for
auditing and *Maintain clients
*Remittance
reporting for operations
and collection *Operation
frauds liquidity by
services transactions
*Presentations trading in
*Monthly through
to internal and Forex, financial
Financial electric
external derivatives
reporting banking
client’s

6. 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?
A company'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.

7. Division of activities in Business banking
Current accounts
Business loans Trade services Advisory services
and services
*Vendor dealer *Advising
*Managing *Ensuring
finance by clients on
business credit and
short, medium account
accounts trade services
and long term transaction
*Offering loans *Letter of
payments and guarantees, *Maintaining
*Processing, account
collection import-export
documentation reports,
services finance,
and closure. analyzing
*Providing negotiations,
*Presentations Forex services deviations and
international reporting to
to clients for
transfers *Contacting corporate
new offers and
*Financial international office
transaction
reporting and partners for
*Settlement of networking * Reporting
database the new tends
accounts and
controlling in banking
daily business

8. 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
international banking for examples all claims of domestic banks offices on
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

9. Division of activities in International banking
Bank Money Loans and Advisory
Accounts transfer investments services
*International *Providing *Advising
* Opening loans for clients on
cash
savings and property account
management
deposits purchase transaction
accounts * Doing SWIFT,
NIFT, RTGS *Offering *Maintaining
*Offering portfolio account
Forex services *Presentations investments reports,
for remittances to clients for schemes analyzing
and collection new offers and deviations and
transaction *Offering
*Providing reporting to
insurance plan
international *Settlement of corporate
transfers payments and *Contacting office
receiving international
*Maintaining * Maintaining
through partners for
account the data in
corporate networking
transactions internal
office system

10. Corporate banking
How do banks interact with each other and with companies in industrial
sector?
Or
Can we assume that corporate banking plays a same role as an In-house
banking?
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
in-house banking

11. Division of activities in Corporate banking
Cash
management Trade services Current accounts Global markets
services
*Providing *Providing *Providing
* Maintaining
short and different information on
cash in and
medium accounts such treasury and
outflow from
financing as business global markets
dealers,
distributors *Control over a/c, made to *Offering
and suppliers foreign order, flexible trading in
payments and a/c Forex,
*Timely
receivables *Offering derivatives
execution of
transaction electronic and metals,
collections and
*Providing transfer and reporting to
disbursements
trade son internet corporate
*Servicing banking office
through LOC,
account
guarantees, *Assisting in * Providing
through
invoice and business plans information
technology
inventory on interest
and logistics
financing rates

12. Task of an Analyst
The role of an
analyst in banking
is very important
specially in retail
banking area
where an analyst
is required to deal
with different
customers and
perform various
tasks.

13. 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.
In my case the role was divided into the following areas
Customer
Transaction
banking
Controlling Trade and
and Advisory
reporting services

14. Customer transaction banking
Account management
Database controlling Cash management
Administration activities
Documentation Presentations
Customer relations
Business development Maintaining service standards

15. Controlling and Reporting
Controlling cash and treasury functions
Monthly and quarterly reporting Liquidity forecasting and planning
Customer account analysis
Risk and business evaluation Deviation reconciliation and reporting
Financial reporting for business
Filing of audit reports and statements OPEX (operating expenses) reporting

16. Trade and Advisory services
Forex transactions
International transfer and Networking with dealers and
remittances partners
Business banking and trade
Business credits, loans and advances Account transactions and settlements
Advisory services
Utility services like billing, taxation for
Customer requirements analysis
clients

17. A Compact View
After working in the banking industry as an analyst for two years, I can say
that indeed it was a learning experience and help me to understand how
bank works, how customers are maintained and what exactly banking
business is all about.
I hope this presentation gave you an idea of retail banking and also about
my role in it.
Thanks for reading