Bank Organization

The Banking Organization

The functional structure of the bank is divided as follows:

PRESIDENT: maximum responsibility and who manage, plan and control the activities of the organization.

CHIEF EXECUTIVE OFFICER: who is a partner in the strategy set by the president.

TWO LEGAL ADVISORS: one responsible for drafting contracts and legal and other issues strictly responsible for the management of irregular assets.

CHIEF FINANCIAL OFFICER AND TREASURER: primarily responsible for defining the investment policy.

FIVE BROKERS: who deliver their functions under the market rate to be discussed: emerging markets (Latin America and "Asian Tigers"), euro area, U.S., Japan.

COMMERCIAL DIRECTOR: responsible for developing and implementing trade policy. Workers are defined as multidisciplinary way to better serve the customer are able to perform all operational activities.

FOUR DIRECTORS OFFICE:  assume the most important functions with regard to guardianship clients.

TRADE SIXTEEN: all with a priority function: to introduce products and services in the market.

HRM, in charge of designing and implementing various personnel policies, in order to get a team, professional, motivated and committed to corporate objectives, which is able to provide maximum individual and collective contribution to the overall results of the organization.

DIRECTOR OF MANAGEMENT AND TRAINING: to develop the career plan and performance evaluation of employees.

DIRECTOR OF SELECTION: responsible for personnel selection: psycho-technical tests, interviews, etc.

CENTRAL SERVICES COORDINATOR: responsible for coordinating and directing the various departments of the central services: Quality, Accounting, Auditing and Control, Risk, Information Systems.

QUALITY DEPARTMENT: consisting of 2 people who share the work as follows: one is responsible with regard to customer service, and the other to control the quality of service provided.

DEPARTMENT OF RISK: consisting of three persons responsible for each geographical area.

DEPARTMENT OF ACCOUNTING: charged with bank accounts and issue the appropriate information.

DEPARTMENT OF AUDIT AND CONTROL: consisting of 3 persons responsible for each geographical area.

DEPARTMENT OF INFORMATION SYSTEMS: consisting of 4 persons whose function is to create databases of customers, and establish systems of risk assessment.

Divided into two departments, one telephone and one internet, the first line is a direct client contact with the bank, through which it can perform queries and operations that you want. A temporary employment agency provides staff for telephone operations.

The information systems staff, is responsible for creating operating systems necessary for the conduct of financial operations and control of the legality of the systems.

On the Internet, one of our developers create and update the bank's website, e-mail addresses of customers, and passes them to the appropriate person or system, developed the security system and control operations.

CUSTOMERS OR USERS OF A BANK

   1. Individuals.

   2. Private companies.

   3. SOEs

AREA OF ADMINISTRATION

Before talking about what the bank management should know, those are the banks and in charge. The banks' activities give rise to banking, these are classified into core and ancillary. Banking activity is twofold: interim and direct, of which the most important is the intermediary.

We say that intermediary activity, that activity or action by banks to raise funds on the market to be dedicated for investment or consumption. These funds raised in the market to be dedicated for investment or consumption. These funds raised in the market may be internal or external, depending on their origin.

The main remedies are bank deposits, and major external resources are those from external capital markets.

By direct activity involving banks funds from its capital and reserves.

PURPOSES AND PROBLEMS OF BANK MANAGEMENT

Commercial banks are credit institutions that try to make a profit for its shareholders, and at the same time, bodies with the power to create money, because the items of its liabilities are deposits consisting of funds (deposits) or quasi- -money (savings and time deposits).

With regard to training resources through bank deposits, commercial banks have to face a liquidity problem more acute than that posed to the other private lenders.

The first task of the management of a bank is to meet legal reserve requirements and be prepared to meet deposit withdrawals. Banks need to be prepared to meet the requests of their clients' money without question and therefore have coins and bills in its vaults.

Of course, some customers are depositing money while others are retiring, so that most of the drawings can be addressed with the money deposited the same day. But the deposits and withdrawals are balanced exactly never. When withdrawals spend money on deposit, the bank makes payments in cash book vault.

The bank operations give rise to banking, which are classified into basic operations and ancillary. The banking operation is twofold intermediary and direct that the most important is the intermediate step.

From three point of view we consider the banks and their operations economically in its first aspect is the stuff of science bank in the banking law, second and third of the bank operations.

Banks tend to meet actual operations and positive social and political demands, not only this but also the future.

The banking technique contributes to the solution of many problems arising from the operations of banks and provides important service to the development of banking law, because: it provides the practical element essential to the operations of the legal standard applicable to the field of banking.

Commercial banks are operations that grant credit from own fund or funds that have borrowing or created.

Commercial banks are lending operations that try to make a profit for its shareholders while bodies with the power to create money because its liabilities items consisting of cash deposits, demand deposits quasi-money, savings and long term.

COMMERCIAL BANKS HAVE A DUAL OPERATION:

Intermediary when obtaining resources available in the market for use in its lending operations.

Intervene directly when the two come from capital contributions from shareholders.

THE FUNDAMENTAL OPERATIONS ARE CLASSIFIED INTO ACTIVE AND PASSIVE:

Active Operations: are those through which commercial banks invest the money in the market and get through these constitute creditors of its customers.

Passive Operations: those by which commercial banks gets the resources available in the market and through these borrowers constitute their customers.