Improving the skills for General Banking Operations training centre in Bangladesh

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Improving the skills for General Banking Operations

Introduction

General Banking Department is considered as the direct customer service center. It is the starting point of all the banking operation. It opens new accounts, remits funds, honor claque, takes deposits, issues bank draft and pay order etc. general Banking is also known as retail banking.

Objective of the training program:
Upon successful completion of the aforementioned training program, the participant will able to:
(1) Understand thoroughly the premises of General Banking Operations
(2) Perform the jobs of each sections of General Banking Department effectively and efficiently and thus rendering better customer service
(3) Work as capable member of the team maintaining harmony & coordination with other team members
(4) Resolve day to day operational problems and customer grievances
(5) Trained up the juniors/freshers for developing their operational skills
(6) Supervise the duties of the juniors, correcting lapses and evaluate them

Methodology

Interactive Lecture
PowerPoint Presentation
Group Discussion

Contents of Training:

Module-1: Overview on Bank, Economy and Banking System of Bangladesh
Banking and Modern Economy, Role of Banks as Financial Intermediaries towards boosting the economy Present scenario of Banking Industry in Bangladesh and its journey to the future, Banking and Non-Banking Financial Institution, Central Bank-the regulator of Money Market.

Module-2: Implications of Contract Act in Banking Operations, Banker & Customer
Banker Customer Relationship-Legal and General, Contact Act and its implications in Banking Operation, Rights and responsibilities of Banker and Customers, Laws of the Land and Banking Operations, Bank-the most regulated Financial Institution to uphold the trust and ensure safety of public money.

Module-3: Negotiable Instruments Act-1881; Guidelines for Banking Operations
Overview on Negotiable Instruments Act-1881 and its implications in Banking Operations, Defining Negotiable Instruments-Promissory Notes,Bill of Exchange and Cheque, Parties to the Negotiable Instruments-their rights and responsibilities, Holder in Due course, Payment in Due course, Negotiation and negotiability, Endorsement, Crossing of Cheque, Dishonor of Cheque.

Module-4: Different types of Bank Accounts; Opening, Operating, Transferring and Closing thereof
Different types of Bank accounts; Formalities and Documents required for opening of Bank accounts, Operation of Bank accounts, Issuing cheque books, Opening and operating the account of minor, illiterate person and other special types of customers, In-operative and unclaimed deposit accounts, Deceased accounts, Transfer of Bank accounts, Closing of accounts, Inland remittance(Fund Transfer)Issuing and payment of Bank Draft, Payment Order, Payment of cheques and statutory protection to Paying Bankers, Collections of Cheque, Payment Order and statutory protections to Collecting Bankers, Collecting Inland bills, Operation of Clearing House, BFTN, EFTN and future of Fund Transfer.

Module-5: Receiving and Paying Cash at the counters, Securing cash and other valuable articles
Receiving and Paying Cash at the counter, Managing and safe-keeping of cash and other valuable s,Cash remittances to and from Feeding Branch, Opening and operating the locker accounts

Module-6: Case studies on different issues of General Banking Operations
✔Bank Officials working in the Cash Department as Tellers and their supervisor
✔Bank Officials working at different desks of General Banking Operations as well as the officials working at Credit and Forex Department
✔Bank Officials working at Clearing Sections
✔Mid-level Bank Officials playing the Supervisory roles and authorized to pass the Cheque and other instruments and also approve the jobs of subordinates
✔Bank Officials working as the Head of General Banking Department and Manager Operation
✔Bank Officials working as Manager/Head of Branch