Banks operate through branches that are managed locally by a branch manager. A branch provides various services to customers like account opening, deposits, withdrawals, loans, and more. Key roles at a branch include the branch manager, assistant manager, relationship manager, tellers, loan officers, and customer service officers. The branch has different sections like customer seating areas, cash counters, an ATM, and more. Modern branches also use digital displays and machines to make transactions more efficient.

1. असर (ASR)

2. Banks run through customer operating offices which are commonly know as
Bank-Branches.
A single branch has a specific area of operation although not restricted to it.
Each branch is managed by its own branch manger and closely assisted by
experienced Relationship manager or a wealth manager an assistant branch
manger. A Bank X branches are connected to each other and to the Head
office usually known as the Bank House.
All application processing takes place at a processing center in one or two
locations usually known as the Shared Service Branch. Each bank branch is
required to have an Automated Teller Machine.
What are Bank Branches?

3. Services provided at the Bank Branches
1. Account opening
2. Cash receipts
3. Cash payments
4. Cheque book issue
5. Stop payment of cheques
6. Closure of fixed deposits and premature withdrawals
7. Issue of DDs and banker's cheque
8. Safe deposit lockers
9. Foreign exchange services
10. Gold retail
11. DeMat services
12. Acceptance of clearing cheques
13. Deliverables, such as cheque books, debit cards, PINs and passwords
14. Acceptance of queries and complaints
15. Investment services
16. Standing instructions
17. Retail loan product

4. Branch Manager
Assistant Manager
Relationship
Manager
Teller 1 Teller 2
Welcome Desk
Executive
Sales Team
Branch Operation
Manager/ Head
Teller
Branch Hierarchy

5. Branch Manager
Cabin
Help desk
Cash
Counter
1
NEFT/
RTGS
Clearing
Assistant
Branch
manager
Term
Deposit
Loan
Department
Passbook
Printing
Machine
Entry,
Exit
Customer Sitting Area
Customer Sitting Area
Account
Opening
Counter/
KYC
Cash
Counter
2
Locker
Room
Branch Structure
Cash
Deposit
Machine
Cheque
Deposit
Machine
Bank Safe
Conference
Room
Dinning
Room
Waiting Room

6. A branch manager is responsible for all of the functions of a branch,
such as hiring employees, overseeing the approval of loans and lines of
credit, marketing, building a rapport with the community to attract
business and assisting with customer relations.
Branch Manager:-
Assistance Manager:-
The assistant bank branch manager supports the branch
manager by overseeing the efficient operation of the branch to
ensure all operational functions are completely and properly
performed by the staff while conveying a feeling of trust, service,
security and satisfaction to customer and staff.

7. Customer Service Officer:-
The Customer Service officer(CSO) is a first point of contact
for customers. The primary role of a Customer Service
Officer within the team is to respond to a variety
of customer requests and inquiries via the telephone or in person
over the counter.
Relationship Manager:-
A Relationship Manager is a professional who works to improve a
bank's relationships with both bank and customers, using methods
such as efficient communication means and implementing measures
to improve customer services provided. Other roles include
managing disputes raised by customers and conflict resolution
between customer and bank.

8. Teller:-
A bank teller is an employee of a bank who deals directly with
customers. In some places, this employee is known as a cashier or
customer representative. Most teller jobs require experience with
handling cash and a high school diploma. Most banks provide on-
the-job training.
Loan Officer:-
Loan Officers, are people who work for banks and other financial
institutions with the main objective to recommend individual and
business loan applications for approval. Loan officers specialize in
commercial, consumer and mortgage loans.

9. Know your customer (KYC) is the process of a
business identifying and verifying the identity of its
clients. The term is also used to refer to the bank and
anti-money laundering regulations which governs these
activities.
Know Your Customer:-
Elements:-
1. Customer Identification
2. Customer Acceptance
3. Transaction Monitoring
4. Risk Management

10. Cash Desk:-
Cash Desk is a place in banks where you withdraw your money or
you can deposit money in your account.
Notice Boards:-
A Notice Board is a board which is usually attached to a wall in
order to display notices giving information about something, like-
interest rate, foreign currency exchange rate, new offers, FD rates
etc.

11.  Intention of this board in bank, every customer
get idea about how to verify fake note or original
note.
 Using of this fake notes circulation in market are
get restricted.
Rupees Identification Board

15.  Now a days Digital Display indicator have in every bank.
 Using of this display Customer not required to wait in queue .
 In this display show the token number & counter number. Using of this customer feel
comfortable in bank.
Digital Display

16.  Using of Bar code which is stick in last page of bank pass book
customer possible to print the pass book.
 Using of this customer not need to wait in queue.
Passbook Printing
Machine

17. Account Opening Form (AOF)
The Account Opening Form (or AOF)
contains various sections. This form differs
in its format across different banks.
However here we shall discuss about the
important and the common sections of the
form, which are:
1. Personal Details
2. Account Details
3. Contact Details
4. KYC Details
5. Nomination Details
6. Additional Details
7. Customer Declaration

18. A deposit slip is a small written form that is sometimes used
to deposit funds into a bank account. A deposit slip indicates the date,
the name of the depositor, the depositor's account number, and the
amounts of checks, cash, and coin being deposited.
Deposit Slip

19. Withdrawal Slip is a small paper form which has to be filled in
before making a withdrawal of money from a bank. The
teller/cashier checked the signature on the withdrawal slip.
Withdrawal Slip