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Overview of the Functional Areas of a Bank

Every bank will reflect its own culture and personality which flows in many ways from the structural characteristics of the bank. How the bank is structured will depend on management expertise and understanding of the banking function, the regulatory framework and the resources available. Regardless of the circumstances, all banks will in some way mirror the following:

Overview of Functional Areas of the Bank

The bank is layered into divisions and units. There are 7 divisions:

Financial Control
Financial Reporting
Budgetary Planning and Control
Tax Planning
Financial analysis and planning

Marketing and Investment Services
General marketing for the Bank
Marketing the bank’s liability products
Product Development

Treasury and Asset Management
Cash Management
Asset Trading
Institutional Liabilities Management
Asset Management
FX Trading
Product Development

HRD and General Services
Personnel Management (Recruitment, Training and Development, Compensation, etc)
General Services (Purchasing, Bearer Services, Utilities, Building Maintenance, Filing and Photocopying, Reception Services, etc)

Corporate Banking
Credit Services
Private Banking
Financial Advisory
Product Development

Operations and Compliance
Transactions processing
Transactions verification and approval
Monitoring for Regulatory Guidelines
Securities administration
Credit administration

Information Technology
Evaluation of bank’s information needs
Evaluation of software and hardware requirements
Systems Development
Systems Maintenance
Technological Assistance in Product Delivery

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