Org Structure, Small and Large Banks Slides
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Transcript of Org Structure, Small and Large Banks Slides
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BANKINGSummer Term (I), 2015Instructor: Sumaira Hamid
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Organizational Forms
• The arrangement of personnel anddepartments within a bank to provide anddeliver its services
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Unit Bank vs Money Centre Bank
• Unit Bank: Banks that sell services throughone full-service office – Single Branch Bank
• Money Centre Bank:
– Banks with multiple branches,
– overseas branches,
– global clientele,
– Deals in large volume of multiple currencies
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Retail Bank vs Wholesale Institutions
• Retail Bank:
• A bank with heavy involvement in consumerloans and deposits
• Wholesale Institution
• Concentrates mainly upon servingcommercial customers and making largecorporate loans
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Advantages of Large & Medium Sized banks over Small Banks
• Large banks are better diversified – both geographically& product wise
• They have better ability to withstand financial & economic fluctuations
• Have an advantage of being able to raise financial capital, sources of finance at lower cost
• Greater capacity to accept risks of entering new markets
• It has greater access to new capital and managerial talent