Presentation1

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Presentation1

  1. 1.  The Banking operation of India is decided at three levels ◦ RBI ◦ Bank ◦ Bank Branch Broad guidelines for operations and costumer services is decided by RBI RBI modify these guidelines whenever required and communicate to Banks
  2. 2.  Banks follow RBI Guidelines Banks develop there own detailed operation plan based on RBI guidelines and banking services requirement Bank Branch worked as per the operation plans of the Bank Based on requirement branches modify and implement operations
  3. 3.  All Bank branches are not same, this depend on the location, services and customers Typically Bank Branch follow separate counter for separate service ◦ Counters: Saving Account Counter, Current Account Counter, Cashier Counter, Loan Counter etc IT support for Branch is provided from Regional Office
  4. 4.  Cash Handling: ◦ Bank can keep Fixed Cash in Cash Vault ◦ Extra Cash is transferred to Regional Branch through secured vehicle ◦ Extra demand of Cash is fulfilled from Regional Branch on demand
  5. 5.  The demand of service is not uniform Peak hours has long waiting line Token system is used in large branches while queue are formed in others Paper Slips are used for information and documentation purpose
  6. 6.  Cash Deposit : Very prominent reason for customer visit to Branch Lengthy and time-consuming process Counting and Checking Forge Currency – require skilled employee Dedicated Employee and counter required Security and secure Cash Handling requirement Limited Time window for service – 24x7
  7. 7.  Fully automated Cash Deposit facility Self Service Faster and 24x7 Process Automatic counting and Forge currency detection Secure and can be installed like ATM Credit cash immediately into the beneficiary’s account
  8. 8.  Unnecessary human resource required Uncertainty in the process Require customer to travel and wait Slow process of cheque handling and processing
  9. 9.  Self Service No Human Resource Fast process Immediate Acknowledgement Multiple point of service – less travel
  10. 10.  Self Service ◦ Cash Deposit ◦ Cash Withdraw ◦ Cheque Deposit ◦ Video Conferencing No Human resource – cost saving 24x7 Service Minimizing the paper-work and Maximizing convenience More facilities – less customer travel

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