Time management - Managers

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Time Management
A Concept Being Used by Bank Branch Managers & Its Benefit
Presented By: Mr. Raju Sitaram Nandkar Deputy Collector

 It has been widely acknowledged in the Banking Sector in India, that
the Branch Manager or Branch Head plays the most critical and
challenging role in sustaining and developing business.
 The Branch Manager represents the face of the Bank.
 He is not only the Business Manager; he is also the Administrator,
Planner, Human Resource (HR), Industrial Relation (IR) and Public
Introduction
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Planner, Human Resource (HR), Industrial Relation (IR) and Public
Relations (PR) man for the bank at the field.
 He is responsible for business development, marketing, excellent
customer service, efficiency in accounting, compliance to the
regulatory authorities and Bank’s own instructions.
 In short, the role of the Branch Manager is complete in itself, and
calls for multi-dimensional skills and competencies.

 In India the ability of the banking industry to achieve the socio-
economic objectives and in the process bringing more and more
customers into its fold will ultimately depend on the satisfaction of
the customers.
 Therefore Time Management- A Concept Being Used by Bank
Branch Managers for the customer satisfaction becoming important
day by day.
Introduction
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day by day.
 Time Management- A Concept for branch managers not only
explains their commitment and responsibilities along with the
redressed methods but also specifies the obligation on the part of
managers for healthy practices in customer-banker relationship.
 The Time Management Concept has been prepared to promote fair
banking practices and to give information in respect of various
activities relating to customer service in time.

1. Banking overview, How the bank functioning .
2. Banking Business planning - Performance budgeting.
3. KYC Norms,AML Standards & Combating of Financing ofTerrorism
4. Basics of Lending of any bank .
5. Marketing strategies – special emphasis on Retail loan portfolio
6. RBI Guidelines on Customer Service in Banking Industry
Contents and Coverage of Time Management- A Concept
Being Used by Bank Branch Managers & Its Benefit”
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6. RBI Guidelines on Customer Service in Banking Industry
7. Inspection and Audit
8. Core Banking Solution – Dos & Don’ts
9. NPA Management
10. Soft skills – Communicative, Inter-personal relations,Team work and Team building, etc.
11. To acquaint the first time Branch Manager on how to Improve Branch Performance
12. To familiarize participants with marketing strategies and selling skill, individual leadership,
internal vis-à-vis external compliance, employee engagement, Customer centricity.

13. To impart soft skills for harmonious IR, Effective negotiation,Team work, Leadership,
Interpersonal skills, etc.
14. Define expectations with the executive management team, and create clear metrics
goals for acceptance.
15. Clearly define and lay out the expectations for use/performance of lobby tracking
reports.
16. Develop benchmarks and measure performance through quarterly and annual reviews of
expectations, recognition, and accountability.
Contents and Coverage of Time Management- A Concept
Being Used by Bank Branch Managers & Its Benefit”
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Develop benchmarks and measure performance through quarterly and annual reviews of
expectations, recognition, and accountability.
17. Set thresholds for wait-time alerts.
18. Provide performance coaching for underperformers and recognize high performers
through incentive and recognition programs.
19. Determine consequences for unsatisfactory performance.
20. Conduct a weekly or monthly review of products/services offered and sold wait-times,
and service interaction times.
21. Establish semi-annual reviews of procedures and internal controls.
22. Incorporate lobby key performance indicators (KPIs) in management scorecards.

1. Supervise the day to day operational functions of the Bank including, but not limited to
vault, drawer and ATM balancing; overseeing teller and customer service duties; and
assisting with customer transactions.
2. Approve customer and bank transactions within authority limits.
3. Supervise, coach, and develop staff regarding service expectations, policies, procedures,
products, systems and banking transactions.
4. Facilitate regular team meetings focused on sales, service and product training.
KEY DUTIES & PRIMARY ACCOUNTABILITIES OF BANK
BRANCH MANAGERS
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5. Prepare Teller and PBRs performance appraisals and disciplinary notices as needed.
6. Maintain staff schedules to provide adequate coverage at all times.
7. Support an environment that promotes providing a level of care that makes customers
feel welcomed, significant and engaged.
8. Managing difficult situations with customers and providing them with a resolution,
information or additional options. Ensure quick and proper response to all reasonable
customer requests.
9. Ensure audit controls are followed to protect the bank from unnecessary risk and
exposure.
10. Support compliance with regulatory guidelines such as Bank Secrecy Act, Regulation CC
and Regulation E.

11. Collaborate in the hiring, training and retention of Retail staff.
12. Participate in community organizations and activities to enhance the bank’s image and develop
additional business and referral sources.
13. Develop and grow business and consumer relationships.
14. Perform additional job related duties as assigned or required. KNOWLEDGE, SKILLS & ABILITIES
15. Strong communication, problem solving, and decision making skills to effectively resolve customer
and employee issues.
16. Balance team and individual responsibilities.Able to build morale and commitment to goals and
KEY DUTIES & PRIMARY ACCOUNTABILITIES OF BANK
BRANCH MANAGERS
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16. Balance team and individual responsibilities.Able to build morale and commitment to goals and
objectives.
17. Strong supervisory and leadership skills required to manage, motivate, and develop employees.
18. Uphold confidentiality and customer privacy in all situations.
19. Proactively seeks solutions that benefit the customer and the Bank while exhibiting sound and
accurate judgment1..
20. Knowledge of all types of banking services.
21. Detail oriented, strong organization skills and a high degree of accuracy with the ability to work
independently.
22. Ability to use the Internet, Outlook, word processing and spreadsheet software and position
specific software as required.

1. Prepares financial statements and analysis for branch
2. Manages and supervises department employees; responsible for day-to-
day supervision and leadership
3. Maintains and oversees all banking procedures and processes
4. Recruiting, vetting, interviewing, and hiring new employees
5. Overseeing approvals of loans, lines of credit, and other fiscal plans
6. Assisting with customer service and satisfaction
Branch Manager Job Summary
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6. Assisting with customer service and satisfaction
7. Marketing branch within community to attract business
8. Records and researches all financial information for analysis
9. Oversees budget reports, preparation of budgets, and analysis of
budgets
10. Documents and interprets complicated financial information for bank
clients
11. Advises on procedure and financial management as well as developing
policies

12. Forecasts and plans according to fiscal needs
13. Growing bank’s number of accounts
14. Able to multitask, prioritize, and manage time efficiently
15. Encouraging to team and staff; able to mentor and lead
16. Eager to expand branch with new accounts, clients, and businesses
17. Experienced at compiling and following strict budgets
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17. Experienced at compiling and following strict budgets
18. Creative problem solver who thrives when presented with a
challenge
19. Able to analyze financial records and transfer data
20. Assists team members when needed to accomplish branch goals
21. Strong aptitude for numbers, spreadsheets, and financial reports
22. Able to analyze problems and strategize for better solutions

23. Able to analyze problems and strategize for better solutions
24. In-depth understanding of branch bank and its position in the industry
25. Focused on customer service
26. Bachelor’s degree in finance, business with an emphasis in finance, or a
related field; Master’s degree in a finance-related field preferred
27. Significant previous experience in the banking industry
28. Excellent computer skills; experience in financial software, Microsoft
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28. Excellent computer skills; experience in financial software, Microsoft
Office Suite
29. Exceptional knowledge of banking, finance, accounting, budgeting, cost
accounting and cost control principles
30. Ability to manage employees, while multitasking large projects
31. Pays strict attention to detail
32. Excellent written and verbal communication skills
33. Advanced knowledge of banking and finance best practices, laws,
standards, and state/national regulations

1. ExplainWhat is Time Management
2. Explain the Benefits ofTime Management for efficient and effective
management of branch
3. Describe theVarious Elements of Time Management
4. Explain the Principles of Time Management
5. Explain theVarious Time Management Styles for Branch Managers
Explain the Steps for Managing Branch Mangers Time
Objectives of Time Management- A Concept Being Used by
Bank Branch Managers & Its Benefit”
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6. Explain the Steps for Managing Branch Mangers Time
7. Describe theVarious Components of Time Management at Branch level
8. Explain the Tools for Time Management In a Daily Environment of bank
9. Explain the Role ofTechnology in Time Management in Bank Branches.
10. Explain the Urgent/Important Matrix
11. Explain the Action-Priority Matrix
12. Explain the Role of Biological Clocks in Time Management
13. Explain How to Avoid Multitasking while working in branches.

 The art of arranging, organizing, scheduling, and budgeting one’s
time for the purpose of generating more efficient, effective
work and productivity is known asTime Management.
 So, time management involves exercising conscious control
over the amount of time spent on specific activities with a
focus to increase effectiveness, efficiency or productivity.
What is Time Management?
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focus to increase effectiveness, efficiency or productivity.
 Hence, time management helps an individual to be more
organized and more productive.

 Time management is the act or process of exercising
conscious control over the amount of time spent on specific
activities, especially to increase efficiency or productivity.
 Time management may be aided by a range of skills, tools, and
techniques used to manage time when accomplishing specific
tasks, projects and goals.
What is Time Management?
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tasks, projects and goals.
 In point of Branch Manager view time management is nothing
but work effectively as well as efficiently for the
accomplishment of various tasks and responsibilities.

1. Does Bad time management leads to stress
2. Does Time is a special resource that you cannot store or save for later use.
3. Does Wise time management can help you find the time for what you desire to do or need to do.
4. Does Time management will help you set up your priorities.
5. Does Time management helps you make conscious choices, so you can spend more of your time
doing things that are important and valuable to you.
6. Does To avoid damage to our personal life.
Does It keeps you healthy and stress free.
Why Time Management for the Bank Managers?
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7. Does It keeps you healthy and stress free.
8. Does he feel the need to be more organized and/or more productive?
9. Does he spend your day feeling very busy and yet wondering why you haven't accomplished much?
10. Does he wish you had a more than 24-hour day to complete all your tasks?
11. Does he feel stressed
12. Does he feel stressed by an ever busy schedule with no time for yourself?
13. Does he feel you rarely achieve your 100% production capability?
14. These are some question we have raised for the Branch Managers for the solving their problems
and difficulties while working.

 Time management is very important as it helps to manage
branch manager’s time efficiently. It is beneficial to branch
managers as proper time management helps us to:
1. Have a time for ourselves
2. Be Relaxed & less stressed
Importance of Time Management to The Bank Managers
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2. Be Relaxed & less stressed
3. Be Organized
4. Be Efficient
5. Be Self-disciplined
6. Prioritize tasks
7. Schedule efficiently
8. Plan efficiently

1. It helps the setting the goals for day, for a month and for a year.
2. It helps to take rapid action when opportunities and crises arise.
3. It helps to plan your all task effectively in day.
4. It helps you to give defined and organized structure to yours days and
week.
5. It helps you to perform and fulfil all your activity.
6. It helps to save your time, that will be diverted towards another task.
Need for Time Management For Bank Managers
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6. It helps to save your time, that will be diverted towards another task.
7. It help to optimize your use of time to achieve your personal and
professional goals.
8. It helps you to perform task with a planned and thoughtful action.
9. It helps you to become proactive.
10. It helps you to work smart and not work hard.
11. It gives you a sense of purpose and direction.
12. It helps in determining priorities.

1. Improved self-esteem.
2. Good work-life balance.
3. Less stress personally.
4. Increased productivity in terms of bank profit
5. Prevention of panic in times of workload while working in
branch.
Benefits of Time Management for Branch Managers
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branch.
6. Achievement of goals quickly and easily.
7. Increased efficiency in fulfilling tasks.
8. Achievement of greater success, dreams and visions.
9. Increased confidence of fulfilling tasks.
10. Increased energy and competency to achieve success.

1. Burnt out, stressed out, rundown and tired?
2. Out of balance; out of control?
3. Frustrated with wheel spinning?
4. Too much to do; not enough time for my family and me.
5. I'm not able to get it all done.
Does Bank Branch Managers need Time Management?
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5. I'm not able to get it all done.
6. Interruptions throw me off track.
7. I procrastinate important items.
8. Less satisfied with what I'm doing now than a few years ago.
9. Too many priorities; often feel unprepared and pressured?

1. Being aware of yourTime.
2. Being aware of yourTime Wasters.
3. Priorities.
4. Self-management.
5. Management of your Personal Resources.
Elements of Time Management for Bank Mangers
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5. Management of your Personal Resources.
6. Goal Setting.
7. Measures of your Achievement.
8. Planning.

1. Always have a great clarity of objectives
2. Always work with a focus centred on achieving the set
objectives
3. Before beginning your work for the day, make a list of all
your activities
Principles of Time Management for Bank Mangers
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your activities
4. Set priorities to achieve more in the same day
5. Reserve large blocks of time for important activities
6. Develop a habit of eliminating at least one time waster from
your life each week.

1. Achievement Management
2. Casual Management
3. Crisis Management
4. Precision Management
5. Social Management
Time Management Styles
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5. Social Management

1. Planning
2. Organizing
3. Delegating
4. Managing Interruptions
5. Scheduling
Components of Time Management to Branch Mangers
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5. Scheduling
6. Prioritizing

1. Planners
2. To-do Lists
3. Diary
4. Calendar
5. Activity Logs
Tools for Time Management to Branch Managers
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5. Activity Logs

 In the modern technological world, there are many modern-
day tools that are offered by technology which can be used for
time management and save time efficiently.The Branch
Manager use some such tools offered by modern-day
technology are:
1. Telephone
Technology and Time Management for Branch Managers
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1. Telephone
2. Email
3. Teleconferencing
4. Chat
5. Web Meeting
6. Email Lists and Online Groups

1. Setting incorrect Objectives
2. Overcoming Challenges of Time Management
3. Procrastination
4. Paralyzing Perfectionism
5. Setting Incorrect Objectives
Challenges of Time Management to Branch Managers
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5. Setting Incorrect Objectives

 URGENT NOT URGENT
 IMPORTANT NOT IMPORTANT
 DO NOW
1. planned tasks or project work now due
2. demands from superiors or customers
3. meetings and appointments
4. reports and other submissions
Urgent vs. Important Matrix to Bank Branch Managers
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4. reports and other submissions
5. staff issues or needs
6. problem resolution, fixes
 PLANTO DO
1. planning,preparation, scheduling
2. research, investigation, designing, testing
3. networking relationship building
4. thinking, creating, designing
5. systems and process development
6. anticipation and prevention
7. developing change, direction, strategy

 REJECT AND EXPLAIN
1. trivial requests from others
2. apparent emergencies
3. ad-hoc interruptions and distractions
4. misunderstandings appearing as complaints
5. pointless routines or activities
6. accumulated unresolved trivia
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6. accumulated unresolved trivia
 RESIST AND CEASE
1. 'comfort' activities, computer games, net surfing, excessive cigarette breaks
2. chat, gossip, social communications
3. daydreaming, doodling, over-long breaks
4. reading nonsense or irrelevant material
5. unnecessary adjusting equipment etc.
6. embellishment and over-production

 Important – Urgent
 Subject to confirming the importance and the urgency of these tasks,
do these tasks now. Priorities according to their relative urgency.
 Important – Not Urgent
 Critical to success: planning, strategic thinking, deciding direction and
aims, etc. Plan time-slots and personal space for these tasks.
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aims, etc. Plan time-slots and personal space for these tasks.
 Not Important – Urgent
 Scrutinize and probe demands. Help originators to re-assess.
Wherever possible reject and avoid these tasks sensitively and
immediately.
 Not Important – Not Urgent
 Habitual 'comforters' not true tasks. Non-productive, de-
motivational. Minimize or cease altogether. Plan to avoid them.

1. Plan Each Day
2. PrioritizeYour Tasks
3. Say No To Nonessential Tasks
4. Delegate
Techniques for Effective Time Management to Bank Branch Managers
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 Techniques for EffectiveTime Management
1. TakeTheTimeYou NeedTo Do A Quality Job:
2. Doing work right the first time may take more time upfront, but errors
usually result in time spent making corrections, which takes more time
overall.
3. Break Large,Time-ConsumingTasks Into Smaller Tasks:
4. Work on them a few minutes at a time until you get them all done.
5. Practice The 10-Minute Rule:
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5. Practice The 10-Minute Rule:
6. Work on a dreaded task for 10 minutes each day. Once you get started,
you may find you can finish it.
7. Evaluate HowYou're SpendingYourTime:
8. Keep a diary of everything you do for three days to determine how
you're spending your time. Look for time that can be used more wisely.
For example, could you take a bus or train to work and use the commute
to catch up on reading? If so, you could free up some time to exercise or
spend with family or friends.

9. Techniques for Effective Time Management
10. Limit Distractions:
11. Block out time on your calendar for big projects. During that time,
close your door and turn off your phone, pager and email.
12. Get Plenty Of Sleep, Eat A Healthy Diet And Exercise Regularly:
13. A healthy lifestyle can improve your focus and concentration, which
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13. A healthy lifestyle can improve your focus and concentration, which
will help improve your efficiency so that you can complete your
work in less time.
14. Take a Break When Needed.
15. Too much stress can derail your attempts at getting organized.
When you need a break, take one.Take a walk. Do some quick
stretches at your workstation.Take a day of vacation to rest and re-
energize.

 Habit 1: Be Proactive
 Habit 2: Begin with the End in Mind
 Habit 3: Put FirstThings First
 Habit 4: Look Ahead
Habits which can help to branch managers
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1. Write things down A common time management mistake is to try to use your memory to keep track of too many details leading to
information overload. Using a system to write things down is a great way to take control of your projects and tasks and keep
yourself organized.
2. Prioritize your list Prioritizing your to-do list helps you focus and spend more of your time on the things that really matter to you.
Rate your tasks into categories using the ABCD prioritization system described in the Get More Done course.
3. Plan your week Spend some time at the beginning of each week to plan your schedule.Taking the extra time to do this will help
increase your productivity and balance your important long-term projects with your more urgent tasks.All you need is fifteen to
thirty minutes each week for your planning session.
4. Carry a notebookYou never know when you are going to have a great idea or brilliant insight. Carry a small notebook with you
wherever you go so you can capture your thoughts. If you wait too long to write them down you could forget.Another option is to
use a digital recorder.
50 Time Saver Techniques to branch managers
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use a digital recorder.
5. Learn to say no Many people become overloaded with too much work because they overcommit; they say yes when they really
should be saying no. Learn to say no to low priority requests and you will free up time to spend on things that are more important.
6. Think before acting How many times have you said yes to something you later regretted? Before committing to a new task, stop to
think about it before you give your answer.This will prevent you from taking on too much work.
7. Continuously improve yourself Make time in your schedule to learn new things and develop your natural talents and abilities. For
example, you could take a class, attend a training program, or read a book. Continuously improving your knowledge and skills
increases your marketability, can help boost your career, and is the most reliable path to financial independence.
8. Think about what you are giving up to do your regular activities It is a good idea to evaluate regularly how you are spending your
time. In some cases, the best thing you can do is to stop doing an activity that is no longer serving you so you can spend the time
doing something more valuable. Consider what you are giving up in order to maintain your current activities.
9. Use a time management system Using a time management system can help you keep track of everything that you need to do,
organize and prioritize your work, and develop sound plans to complete it.An integrated system is like glue that holds all the best
time management practices together.
10. Identify bad habits Make a list of bad habits that are stealing your time, sabotaging your goals, and blocking your success.After you do,
work on them one at a time and systematically eliminate them from your life. Remember that the easiest way to eliminate a bad
habit, it to replace it with a better habit.

11. Don’t do other people’s work Are you in the habit of doing other people’s work because or a ‘hero’ mentality? Doing this takes up
time that you may not have. Instead, focus on your own projects and goals, learn to delegate effectively, and teach others how to do
their own work.
12. Keep a goal journal Schedule time to set and evaluate your goals. Start a journal and write down your progress for each goal. Go
through your goal journal each week to make sure you are on the right track.
13. Don’t be a perfectionist Some tasks don’t require your best effort. Sending a short email to a colleague, for example, shouldn’t take
any more than a few minutes. Learn to distinguish between tasks that deserve to be done excellently and tasks that just need to be
done.
14. Beware of “filler” tasks When you have a to-do list filled with important tasks, be careful not to get distracted by “filler” tasks.Things
such as organizing your bookcase or filing papers can wait until you tackle the items that have the highest priority.
15. Avoid “efficiency traps” Being efficient doesn’t necessarily mean that you are being productive.Avoid taking on tasks that you can do
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15. Avoid “efficiency traps” Being efficient doesn’t necessarily mean that you are being productive.Avoid taking on tasks that you can do
with efficiency that don’t need to be done at all. Just because you are busy and getting things done doesn’t mean you are actually
accomplishing anything significant.
16. Utilize “productive procrastination” Procrastination doesn’t necessarily have to be a bad thing if you use it to delay working on low
priority tasks that may not need to be done at all.Wait until a task becomes important enough to deserve your time before you
work on it.
17. Ask questions Asking questions can be an effective tool to help keep you on track.Whenever you are unsure of what to do next, just
ask yourself “What is the most valuable use of my time right now?”
18. Apply the 80/20 rule The 80/20 rule states that 20% of your tasks account for 80% of the value in your to-do list. Some tasks have a
much greater return on your investment of time and energy than others. Use prioritization to identify and focus your time on these
high payoff tasks.
19. Avoid attempting to do too muchWhile it is good to balance important long-term projects with urgent tasks, you can take this too
far. If you spread your time and energy over too many different projects, you may not be able to make meaningful progress on any of
them. Good time management often requires that you focus your time on a smaller set of objectives.
20. Use your energy cyclesWe all have times in our day when we feel productive and other times when we feel sluggish. Use these highs
and lows to your advantage. Get complex and mentally challenging tasks done during your energy highs. During the lows, take care of
low priority, routine, or non-challenging tasks.

21. Avoid saving too much stuff in your files Experts estimate that between 60 and 80 percent of items that people file they never look
at again. Learning what to save and what to throw out is the first step in creating an effective filing system.
22. Urgent vs. Important tasks A key principle in time management is that important things are not always urgent, and urgent things are
not always important. Learning to distinguish between the two is essential for effective time management.Weekly planning helps you
maintain a balance between projects with long-term importance and your more pressing matters.
23. Make time for important projects Schedule regular time each week to work on important long-term projects. If a project is
important and not urgent, you run the risk of neglecting it unless you make regular time for it.
24. Clean your desk When you have too many things on your desk, it can be distracting. Only keep things on your desk that are
necessary.When you eliminate unnecessary distractions, you will find that you use your time more wisely.
25. Learn to relaxWorking hard is important, but you also need to take time off to relax and enjoy yourself.When you do, you will find
that you use your time more wisely while you are at work.The extra time off renew s your energy and gives your brain much
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that you use your time more wisely while you are at work.The extra time off renew s your energy and gives your brain much
needed rest.
26. Avoid wishful thinking Wishful thinking can ruin any well-laid plan.Avoid this by identifying risks and learning how to place realistic
expectations on your projects. Make sure to schedule room for error and unexpected problems when creating a timeline.
27. Don’t over schedule When you over schedule your days, it can cause unnecessary stress.When creating your weekly plan and
scheduling appointments, always create room for error.
28. Learn to group your tasks In order to use your time wisely, try to perform certain tasks in batches. For example, sort out the papers
on your desk and file at the same time, or process several emails in your Inbox at the same time. Related tasks don’t take as long w
hen you do them all at once.
29. Don’t automate email Some email programs have a timer so your email gets checked on a certain schedule.Turn this feature off.
Handling emails as they come in as a distraction and it wastes time. Depending on your needs, use 3 to 5 predefined times during the
day to check your email.
30. Don’t file an item that still requires an action on your part Avoid filing an item that still needs your attention before you record it in
your time management system. Otherwise, you might easily forget about that item and the associated work that you still need to do.
The same rule applies to emails and paper documents.

31. Balance your timeWhen you have a lot of different types of activities, you can create a better sense of balance by
giving each week a specific focus. For example, you can focus one week on your finances and your home, and the
next week on relaxation and fun.
32. Weekly planning routine Setting up a weekly planning routine will help you manage your time better. Make time to
write and prioritize your pending projects and tasks, reconnect to your mission and goals, and create a plan for
the upcoming week.
33. Practice easy-reach filing Trying to find frequently used files in a complex filing system can be frustrating and time
consuming. Instead of filing them far away, keep them organized within easy reach.The filing drawers in your desk
are a great place to keep frequently used items.
34. File folders and labels Keeping a supply of file folders and labels nearby can help encourage organization. Instead
of keeping papers in piles on top of your desk, you can immediately create an appropriate file for them.
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of keeping papers in piles on top of your desk, you can immediately create an appropriate file for them.
35. Record your favourite shows Are you addicted to certain television programs? Instead of making your schedule
revolve around them, record them so you can view them at your convenience.
36. Learn to speed read Speed reading is a valuable skill, especially if you spend most of your day reading documents.
You can take a class, watch a how-to program, or read a book on the subject.
37. Backup your work How often do you back up your work?You never know when you will have computer
problems.Back up your files frequently to prevent unnecessary stress later.
38. Schedule according to your energy When do you have the most energy? Learning when you are most energetic
will help you use your time more effectively. Perform tasks that require a lot of energy when you have the most of
it.
39. Give each item a “home” One of the key principles in organization is to make sure each item has a home where it
naturally belongs.This alone can dramatically increase the organization in your home and office.
40. Sort your magazines and toss out the ones you don’t needTo help reduce clutter, throw away any old magazines
and newspapers you no longer read.This will help free up space for other items and w ill help you stay organized.

41. Make checklists for repeat tasks Are there tasks you need to complete on a routine basis? Making a checklist is an
easy way to make sure you finish the task without forgetting anything important.
42. Baby steps to time management Learning how to manage your time is an art. Make one small change at a time to
foster lasting change. Remember that it takes at least a few weeks to form a new habit.
43. Write in a journal Keeping both a personal and professional journal can help you grow. Use it as a way to review
your days and weeks.Think about what you did right, what you would have changed, and how you could have
done better.
44. Goals in small steps Effective goal planning includes a list of smaller tasks that will help you achieve it.When you
create a plan of action and take smaller steps, you increase your chances of success.
Find a role model Is there someone who has achieved the same goal as you? Make this person your role model or
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45. Find a role model Is there someone who has achieved the same goal as you? Make this person your role model or
mentor and follow in their steps.A role model can inspire you and boost your morale when it is low.
46. Just begin!When you have a goal to achieve or a task to complete, just begin. Once you start, you can use the
momentum you develop to help you finish what you start.
47. Organize your workspaceWhen your workspace is disorganized, it can distract you and make you less
productive.
48. Get active An active body leads to a sharper mind. Develop a consistent exercise routine to help you stay in shape
and increase your mental capacity. If you don’t have a lot of time to spend, take a few ten minute activity breaks
throughout your day.
49. Get enough sleep If your mind is well rested, you will be more productive. Make sure you get enough sleep every
night.When you are over tired, it becomes nearly impossible to perform your best.
50. Have funWhat is life without a little fun? Make time to spend with your friends and loved ones. Having fun will
help you feel

1. Keeping too many things in your head
2. Doing whatever grabs your attention next
3. Not spending enough time on your top priorities
4. Doing very efficiently that which needs not be done at all
5. Poor planning 6.Working in a disorganized and distracting
work environment
Top 10 Mistakes did by branch managers
38
5. Poor planning 6.Working in a disorganized and distracting
work environment
6. Lack on Inflow Management
7. Attempting to do too much
8. Always sayingYes
9. Not managing your inflows
10. Confusing Activity with Productivity

1. SETTHETABLE – Decide exactly want you want. Write out goals and objectives before you
begin.
2. PLAN EVERY DAY IN ADVANCE – Think on paper. Every minute you spend on planning you
can save 5-10 minutes in execution.
3. APPLYTHE 80/20 RULE - 20% of your activities will account for 80% of your results. Always
concentrate on the 20%.
4. CONSIDERTHE CONSEQUENCES –Your most important task and priorities are those that
can have the most serious consequences on your life or work, Focus on these.
PRACTICE CREATIVE PROCRASTINATION – Deliberately put off those tasks that are of
21 TIME MANAGEMENT IDEAS TO BRANCH MANAGERS
39
5. PRACTICE CREATIVE PROCRASTINATION – Deliberately put off those tasks that are of
low value so you have time to work on what counts.
6. USETHE ABC METHOD - Before you work on a list of tasks, take a few minutes to organize
them by value and priority.
7. FOCUS ON KEY RESULTS AREAS – Identify and determine those results that you absolutely,
positively have to get done and work on them all day long.
8. THE LAW OFTHREE – Identify the three things you do in your work that account for 90% of
your contribution and focus on them.
9. PREPARETHOROUGHLY BEFOREYOU BEGIN – Have everything you need at hand
before you begin. Assemble all papers, material, number etc before you start.
10. TAKE IT ONE AT ATIME –You can accomplish the biggest and most complicated job if you
complete it one step at a time.

11. UPGRADEYOUR KEY SKILLS - The more knowledgeable and skilled you become at your key tasks, the
faster you will finish them.
12. LEVERAGEYOUR SPECIALTALENTS – Determine what you are very good at doing, and throw you whole
heart into those specific things very, very well.
13. IDENTIFYYOUR KEY CONSTRAINTS – Determine the bottleneck or choke points, internal or external,
and focus on alleviating them.
14. PUTTHE PRESSURE ONYOURSELF – Imagine you have to leave work for a month and work as if you had
to get all you tasks completed.
15. MAXIMIZEYOUR PERSONAL POWER – Identify your periods of highest mental and physical energy each
21 TIME MANAGEMENT IDEAS TO BRANCH MANAGERS
40
15. MAXIMIZEYOUR PERSONAL POWER – Identify your periods of highest mental and physical energy each
day and structure your most demanding tasks around these times.
16. MOTIVATEYOURSELF INTO ACTIONS – Be your own cheerleader. Focus on the solution not the
problem.
17. GET OUT OFTHETECHNOLOGICALTIME SINKS - Use technology to improve the quality of your
communication but don’t be its slave.
18. SLICE AND DICETHETASK – Break down large, complex tasks into manageable pieces.
19. CREATE LARGE CHUNKS OFTIME – Organize your day around large time frames where you can
concentrate to do important tasks
20. DEVELOP A SENSE OF URGENCY – Make a habit of moving fast on your key tasks. Become known as a
person who does things quickly and well.
21. SINGLE HANDLE EVERYTASK – Set clear priorities, start immediately on your most important task and
then don’t stop till it’s done.

 This may come as a surprise to you as a branch manager but
despite all the talk about life balance, you can benefit
tremendously from introducing a little imbalance into your day.
 I'm referring to the 80/20 rule of time management, which is
rooted in what is known as the Pareto Principle.
Balancing Act – The 80/20 Rule for Branch Managers
41
rooted in what is known as the Pareto Principle.
 Learning to recognize and then focus on that 20 percent is the
key to making the most effective use of your time.
 Here are two quick tips to develop 80/20 thinking:
1. Take a good look at the people around you
2. Examine your work

1. Planning the ActivesThe first and foremost thing the manager supposed to do is
planning. Planning not only makes a program sounder, but it also makes the program
execution easier.The manager decides what he wants is supervision and how increased
effectiveness in influencing staff members will help him.Also he may define objectives
and goals in detail.
2. Budgeting the Time The next important thing for the successful time management is
budgeting the time.As time is one of the few possession of man that cannot be replaced
how he spends it is a serious problem.A hard-boiled budgeting of time is necessary for
Steps may be useful for bank managers to make the time
work for them and be successful in their jobs
42
how he spends it is a serious problem.A hard-boiled budgeting of time is necessary for
the managers, if they are to be most successful.They need two time budgets, the first
one for the bank and the second for himself.The bank’s time budget provides for face to
face contacts, planning work and schedules of others, record and report writing service
to employees and carrying out assignments requested by others.The personal time
budget provide for family, friends, community, and personal time for himself, reading
perhaps of improving himself.
3. Preparation of Daily SchedulesThe manager’s daily schedules should be made up at the
end of the previous day or at the very start of the work day. Daily schedules provide a
genuine feeling of accomplishment when he is able to check back and cross-off items are
completed.They also serve as guideposts to keep him from spending his time
inconsequentially in useless details.

4. Delegating the Authority Delegation of authority helps of the manager to ease
himself out of some less important work and focus his attention on important
work. Delegation of authority helpsThe manager to extend his area of
operations as without delegation the activity of the manager must necessarily
be confined to what he himself can do.
5. Maturity and Control Besides planning the activities and budgeting the time to
be successful the manage must show maturity in this approach and exercise
43
be successful the manage must show maturity in this approach and exercise
control over the activities. Bank manager’s actions and behaviours must be laced
with maturity. One of the signs of maturity is control.
6. Watching Own Performance Besides monitoring and controlling the
performance of others, it is improve for the managers to be watchful to their
own performance.There are two phases of performance; how much and how
well. So the manager should study his job and its problems, his handling of his
job n order to spot strong and weak points in the performance area.This
approach calls for performance standards in those matters that make up his
daily schedules.

7. Working with One’s Own Personality It is imperative for bank managers to
spare some time and effort to enhance their personality.A manager’s
personality is anything of his or anything about him that makes an impression
on employees. His personal --- appearance, carriage, handshake, smile, speech,
mannerisms are obviously features of his personality.Then in another grouping
are his attitudes and emotions, his thoughts and his acts, his principles and his
philosophy,his mind and his knowledge – all parts of the personality as a whole
44
philosophy,his mind and his knowledge – all parts of the personality as a whole
which find expression and make an imprint on others.
8. Guarding HealthThe bank managers should earmark some time for the upkeep
of their health. One should remember that personality, personal relations,
regularity at work and quality of work are all affected by one’s health. Managers
must be healthy mentally.
9. Being an Effective CommunicationThe communication skill of the bank
managers will make them effective in time management.The manager should
work at perfecting a pleasant voice, one with quality sound. One that is not
harsh, grating or disagreeable sounding.. He must make certain that he uses
tune and inflection to make his delivery more readily received and effective.

10. Being Mentally Alert Managers who are alert and agile are successful in time
management.They are able to seize the matters in no time and take timely actions.
Mental laziness is a disease affecting managers in varying degrees.To over come this
ailment some managers have to force themselves to think.To be on their toes, to keep
their minds active.
11. Staying Informed Bank manager may spare some of his time for reading journals and
magazines relating to banking.The successful manager never stops learning. He is always
willing to study, recognizing that he has to keep learning in oder to keep with change and
45
willing to study, recognizing that he has to keep learning in oder to keep with change and
in order to continue growing.The manager must know enough about current events of a
general nature to talk intelligently about them.
12. Team ManagementThe manager should never mind to spare some time for team
building.We are aware that the need of the hour is to make a transition from
traditionally managed bank to a self- managed team. In order to accomplish this goal, the
concerned people are required to perform the task together. In fact, everyday has got
certain crisis-oriented situations.And dealing with sensitive issues is one of the prime
works.The problems are required to be handled property.Therefore, the manager has to
use wisely, each member’s talent, experience, knowledge, common sense.To foster this
phenomenon, the teamwork is required to be encouraged.

13. Cost-Effectiveness and Quality Service The manager must also spare time to
plan and execute cost effective and quality services.We are aware that with the
fastest communication techniques, the world is shrinking in size.The
competition is becoming sharper.To achieve competitiveness, a timely qualitative
approach and attitude is needed. Effectiveness of cost can be achieved both by
cost control technique and also cost reduction technique. If we want to
outshine in the market, which is a consumer’s market in the true sense, our
46
outshine in the market, which is a consumer’s market in the true sense, our
persistent endeavour to maintain constant and consistently improving quality of
service, dependability on timely delivery, error free paperwork, reliability of
quality and services reasonability of prices has got tremendous importance.
ConclusionThe bank managers who are in the centre stage of banking
operations may focus on the criteria time discussed above and be successful in
tackling the ticklish issue of managing time and thereby become an effective
manager.

 A successful manager is a bit of a subjective goal.What is a successful manager?
What are their behaviours, values, attributes, skills? How do you measure
“success”?
 When most of us first become a manager we look at managers we have worked
for a try to do those things that worked on us.We also try to not do those things
that we didn’t like.
 However, when the pressure is on, we are likely to revert to those behaviors we
didn’t like such as becoming more directive, focusing only on the task and not on
Time management to become a Successful Manager
47
However, when the pressure is on, we are likely to revert to those behaviors we
didn’t like such as becoming more directive, focusing only on the task and not on
the individual or the team, taking control and leading from the front.
 These behaviors can be a good choice if you have earned trust and respect from
your people.They will then accept that you are changing style for good reason.
You might then be able to call yourself a successful manager.
 So How do I get There?
 Try these twelve tips below.These work particularly well when you have been
promoted from within the team to now be the team boss.
 If you still need some guidance then download the two eBooks from the links on
this page or contact me via this website and ask.

 The Twelve Behaviours for Becoming a Successful Manager:
1. Don’t try to be someone you are not
2. Start as you mean to go on
3. Share your department’s objectives with your staff and then ask them how they can
help you achieve them
4. Hold regular team reviews to ensure everyone is clear about what is expected of them
5. Initiate new rituals for the team
Time management to become a Successful Manager
48
5. Initiate new rituals for the team
6. Give feedback openly
7. Acknowledge the expertise of your staff
8. Encourage creativity in your team
9. Don’t be too weak to admit your mistakes
10. Managing and leading are not the same thing
11. Carry on developing yourself
12. You can still be friends with your staff

 How Queue Management SystemsWork
 Sign In
 Wait Period
 Assist Period
 Reporting
Time Management in Queue Management System
49
 Reporting
 Analysis
 Value-Add Benefits
 Queue Management Technology:What It Captures
 Additional Thoughts

1. Display business hours.
2. Render courteous services.
3. Attend to all customers present in the banking hall at the close of business hours.
4. Provide separate 'Enquiry' or 'May I HelpYou' counter at large branches.
5. Offer nomination facility to all deposit accounts (i.e. account opened in individual capacity) and all
safe deposit locker hirers (i.e. individual hirers).
6. Display interest rates for various deposit schemes from time to time.
Notify change in interest rates on advances.
Common practices followed by branch under leadership of
Branch Managers
50
7. Notify change in interest rates on advances.
8. Provide details of various deposit schemes/services of the Bank.
9. Issue Demand Drafts, Pay Orders, etc.
10. DisplayTime - Norms for various banking transactions.
11. Pay interest for delayed credit of outstation cheques, as advised by Reserve Bank of India (RBI)
from time to time.
12. Accord immediate credit in respect of outstation and local cheques upto a specified limit subject to
certain conditions, as advised by RBI from time to time.
13. Provide complaint/suggestion box in the branch premises.
14. Display address of Regional and Central Offices as well as Nodal Officer dealing with customer
grievances/complaints.

1. Ensure safe custody of cheque book and passbook.
2. Preferably use reverse carbon while writing a cheque.
3. Issue crossed/account payee cheques as far as possible.
4. Check the details of the cheque, namely, date, amount in words and figures,
crossing etc., before issuing it.As far as possible, issue cheques after
rounding off the amount to nearest rupee.
Not to issue cheque without adequate balance; maintain minimum balance
Time Management in Fair Bank Practices
51
5. Not to issue cheque without adequate balance; maintain minimum balance
as specified by the Bank.
6. Send cheques and other financial instruments by Registered Post or by
courier.
7. Bring passbook while withdrawing cash from savings bank account through
withdrawal slip. Get passbook updated from time to time.
8. Use nomination facility.
9. Note down account numbers, details of FDR, locker numbers, etc.,
separately.

10. Inform change of address, telephone number, etc., to the Branch.
11. Inform loss of demand draft, fixed deposit receipt, cheque leave
(s)/book, key of locker, etc., immediately to the Branch.
12. Avail standing instructions facility for repeat transactions.
13. Provide feedback on our services.
Pay interest, instalments, locker rent and other dues on time.
Time Management in Fair Bank Practices
52
14. Pay interest, instalments, locker rent and other dues on time.
15. Avail services such as ATM, ECS, EFT, etc., if offered by the branch.
16. Bring any deficiency in services to the notice of the branch.
17. Not to sign blank cheque/s. So also do not record your specimen
signature either on passbook or on chequebook.
18. Not to introduce any person who is not personally known to you
for the purpose of opening account.

1. These accounts are designed to help the individuals (personal customers) to
inculcate habit of saving money and to meet their future requirement of money.
The amounts can be deposited/withdrawn from these accounts by way of
cheques/ withdrawal slips. It helps the customers to keep minimum cash at
home besides earning interest.
2. Savings Bank accounts are very popular.These accounts can be opened by
eligible person/s and certain organisation/agencies (as approved by the Reserve
Bank of India (RBI).
Time Management while handling of saving Bank account
53
Bank of India (RBI).
3. As required by law, while opening this account we will satisfy ourselves about
the identity, including verification of address, of a person/s seeking to open an
account, to assist in protecting the prospective customer/s, members of the
public and ourselves against fraud and other misuses of the banking system.
4. The Bank requires a satisfactory introduction of the person/s opening the
account by a person acceptable to the Bank.
5. The Bank is required to obtain two recent photographs of the person/s opening
the account, as per R.B.I. directives.

6. The Bank is required to obtain Permanent Account Number (PAN) or General Index
Register (GIR) Number or alternatively obtain declaration in Form No. 60 or 61 as per
the IncomeTax Act (vide Section 139 A) from the person/s opening the account.
7. The Bank will provide to the prospective customers details of the documents required
for identification of the person/s opening the account in addition to a satisfactory
introduction. Documents normally accepted are the current gas/telephone/electricity bill
or ration card or voter's identity card or driving licence or passport, etc.
8. The account holder is required to maintain certain minimum balance in the account (on
Time Management while handling of saving Bank account
54
8. The account holder is required to maintain certain minimum balance in the account (on
monthly/quarterly average basis), and also depending on, whether account holder wants
to avail the cheque book facility or not, as specified by the Bank from time to time in its
Service Charges related notifications. Non-compliance of this would attract service
charges. Interest is paid on half yearly basis on the balance maintained in the account at a
rate which is declared from time to time, provided interest amount works out to
minimum Re. 1/- per half year.
9. Cheques, dividend warrants drawn in the name of account holder/s will only be
collected through this account. Financial Instruments endorsed in favour of the account
holder/s will not be collected through savings bank account.

1. Current Accounts can be opened by individuals, partnership firms, private and
public limited companies, HUFs/specified associates, societies, trusts, etc.
2. As required by law, while opening this account we will satisfy ourselves about
the identity, including verification of address, of a person/s seeking to open an
account, to assist in protecting the prospective customer/s, members of the
public and ourselves against fraud and other misuses of the banking system.
Time Management while handling of current Bank account
55
account by a person acceptable to the Bank.
4. The Bank is required to obtain two recent photographs of the person/s
opening/operating the account, as per R.B.I. directives.
5. The Bank is required to obtain Permanent Account Number (PAN) or General
Index Register (GIR) Number or alternatively obtain declaration in Form No.
60 or 61 as per the IncomeTax Act (vide Section 139 A) from the person/s
opening the account (i.e. including partners of Registered/Unregistered
partnership as also Registered/Incorporated bodies/companies).

for identification of the person/s opening the account in addition to a satisfactory
or ration card or voter's identity card or driving license or passport, etc.
7. Minimum balance as stipulated from time to time will be required to be maintained.
8. No interest is paid on credit balances kept in current account.
9. Service charges are levied for : Ledger folio used Chequebooks issued Non-maintenance
of minimum balance Return of cheques, etc.
Time Management while handling of current Bank account
56
Service charges are levied for : Ledger folio used Chequebooks issued Non-maintenance
of minimum balance Return of cheques, etc.
10. For opening special types of current accounts like for Executors,Administrators,
Trustees, Liquidators etc., the Branch Manager may be contacted who will help in
opening these type of accounts.
11. As per RBI directive, the applicant (i.e. account opener) should declare in the account
opening form or separately that he is not enjoying any credit facility with any bank and if
he does enjoy any facility / facilities he should declare full particulars thereof indicating
the name of the bank and name of the branch wherefrom he has availed these facilities.

1. As required by law, while opening this account we will satisfy ourselves about the
identity, including verification of address, of a person/s seeking to open an account, to
assist in protecting the prospective customer/s, members of the public and ourselves
against fraud and other misuses of the banking system.
2. The Bank requires a satisfactory introduction of the person/s opening the account by a
person acceptable to the Bank
3. The Bank is required to obtain two recent photographs of the person/s opening the
account, as per R.B.I. directives.
Time Management while handling of Term Bank Deposit
57
The Bank is required to obtain two recent photographs of the person/s opening the
account, as per R.B.I. directives.
4. The Bank is required to obtain Permanent Account Number (PAN) or General Index
Register (GIR) Number or alternatively obtain declaration in Form No. 60 or 61 as per
the IncomeTax Act (vide Section 139 A) from the person/s opening the account.
for identification of the person opening the account in addition to a satisfactory
or ration card or voter's identity card or driving licence or passport, etc.

5. Premature withdrawals are allowed, unless specified otherwise, at the rate of interest
applicable for the period for which the deposit has run or the contracted rate whichever
is lower, subject to penalty, if any prescribed by the Bank. No interest will be paid on
premature withdrawals of deposit, which has remained with the Bank for less than 15
days.
6. Generally loans/overdrafts against deposits are allowed except on Certificates of
Deposit (CD) Such loans are sanctioned by charging interest at rates directed by RBI
from time to time or as prescribed by the Bank.
58
from time to time or as prescribed by the Bank.
7. Deposits are renewed by the Bank on due dates on request.As a measure of good
customer service, the Bank may intimate the depositor in advance regarding date of
maturity.
8. Interest on deposits is payable either monthly at discounted value or quarterly or
compounded quarterly (i.e., reinvestment of interest) or on the date of maturity at the
option of the depositor as applicable under particular deposit scheme.
9. Interest on overdue deposit is paid if the deposit is renewed, as decided by the Bank
from time to time.

10. Interest on overdue deposit is paid if the deposit is renewed, as
decided by the Bank from time to time.
11. Interest on bank deposits is exempt from income tax upto a limit
specified by Income Tax authorities from time to time.
12. Presently, if the total interest on deposits, per depositor, per
branch, per financial year exceeds Rs.10,000/-, the same is subject
59
branch, per financial year exceeds Rs.10,000/-, the same is subject
toTax Deduction at Source (TDS) at the rates stipulated by the
IncomeTax Authorities.
13. The depositor may furnish declaration in Form No. 15 H
preferably at the commencement of the FinancialYear for
receiving interest on deposits without deduction of tax.
14. The Bank will issue TDS Certificate for the tax deducted.

 Following are the some instruction regarding the payment of
balance in account of the decease customer to survivors or claimant
to avoid subsequent delay while handling of such critical cases
 As directed by the RBI, the banks may not insist on succession
certificate from legal heirs irrespective of amount involved. However,
the banks may adopt such safeguards in considering settling of
Time Management in payment of balance in account
60
the banks may adopt such safeguards in considering settling of
claims as appropriate including accepting an indemnity bond.
1. STANDING INSTRUCTIONS
2. SAFE DEPOSIT LOCKERS
3. ARTICLES IN SAFE CUSTODY
4. NOMINATION FACILITY
5. PENSION PAYMENTS

 ISSUE OF DUPLICATE DEMAND DRAFT WITHOUT RECEIPT OF NON-
PAYMENT ADVICE
 TIME FRAME FOR ISSUE OF DUPLICATE DRAFT
 PAY ORDER, BANKER'S CHEQUE
HIGHVALUE CLEARING
In remittance services branch managers performing various
time management services to avoid delay , therefore we
have suggested some guideline to perform speedy and fast
remittance services
61
 HIGHVALUE CLEARING
 LOCAL CLEARING
 NATIONAL CLEARING
 COLLECTION OF GOVT. DUES
 EXCHANGE OF SOILED/SLIGHTLY MUTILATED CURRENCY NOTES AT
PUBLIC SECTOR BANKS
 INTEREST ON DEPOSITS
 SERVICE CHARGES

1. For Cash Payment a)Through teller 3 to 8 minutes)Through cashier 8 to 15
minutes
2. Receipt of cash 10 to 20 minutes
3. For issuance of demand draft/traveller cheques/fixed deposit receipt 15 to 25
minutes
4. Payment of demand drafts 10 to 20 minutes
Time management for transaction in branch premise
62
5. Payment of fixed deposit receipts 15 to 20 minutes
6. Opening of an account 20 to 25 minutes
7. Retirement of bills 20 to 30 minutes
8. Updation of passbooks 5 to 15 minutes
9. Statement of accounts within 7 days
10. Collection of cheques(Local) 2 to 4 days Outstation10 to 14 days

1. MONEY MANAGEMENT SCHEME
2. UPCOUNTRY CHEQUE COLLECTION
3. EASYWAY FOR EFFECTIVE CASH MANAGEMENT
4. ATMs
Bank manager should be aware about speedy disposal of
various other services from bank
63
4. ATMs
5. REDRESSAL OF COMPLAINTS

64
RajuRaju SitaramSitaram NandkarNandkar Deputy CollectorDeputy Collector
rsnandkar@gmail.comrsnandkar@gmail.com 99702464179970246417

Time management - Managers

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