8/8/2019 Banking Operation

1/13

Banking Operation

8/8/2019 Banking Operation

2/13

BANKING STRUCTURE

8/8/2019 Banking Operation

3/13

Banking Operation Elements

Introduction to banking operations functions:

Job Roles of an operations officers

Banker Customers Relationship

Further purchases and transactions

8/8/2019 Banking Operation

4/13

8/8/2019 Banking Operation

5/13

Types of Customers:

Understandingdeposits accounts and

withdrawal.

Savings Current

Fixed

8/8/2019 Banking Operation

6/13

Operational Fraud

Operations Fraud / Money Laundering and

ManagingFraud :

Process System

People (customers and staff perspective)

8/8/2019 Banking Operation

7/13

ClearingSystem & Process :

Process

Documentation

Application and Implication

8/8/2019 Banking Operation

8/13

Risks

Operational risks

Security risk

8/8/2019 Banking Operation

9/13

Operational Risk

8/8/2019 Banking Operation

10/13

Direct vs. Indirect Losses

the risk ofdirect or indirect loss resulting

from inadequate or

failedinternal processes, people and systemsor from external events

8/8/2019 Banking Operation

11/13

Expected vs. Unexpected Losses

(EL/UL)

8/8/2019 Banking Operation

12/13

Banking Operation

Operations of commercial banks are two

sided:

Involve attracting funds from depositors.

Employment of funds in lacerative and

viable investments

Banks is a business firm with aim to earn

profit through funds that are Banks own

Funds as well depositors funds.

8/8/2019 Banking Operation

13/13

Paid up Capital is amount on which a

banking company is registered.

Reserve Funds maintained by all banks at a time of declaring the Profit.

Profit which is taken from the yearly

earned gross profit and taken prior to

distribution to depositors, sponsors or

shareholders.