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Zulfiqar Hasan
Commercial Bank performs its activities by different working units. General Banking is the first door of all banking activities. It is the gateway of banking activities.
General banking department performs the core functions of bank, operates the day-to-day transactions. The main target of general banking is to mobilize the deposit from the clients by maintaining a good relationship banking systems.
Functions of General Banking
The functions of general banking of a commercial bank starts to provide the information to the existing and potential customers of the bank. Important functions are given here:
01. Providing information to the existing and potentials customers
02. Opening of Bank accounts (Savings, current, fixed etc.)
03. Maintenance of Deposit Accounts (DPS schemes etc.) and other bank accounts
04. Receipts and payment of cash
05. Handling transfer transactions
06. Operations of clearing house
07. Maintenance of accounts with Central Bank (Bangladesh Bank) and with other banks
08. Collections of Cheques and Bills
09. Issue and payment of Demand Drafts, TT and Pay Orders (Internal/Inward Remittance)
10. Executing customers standing instructions
11. Maintenance of safe deposit lockers
12.Maintenance of internal accounts of the banks
13. Closing and transfer of different types of accounts
14. Reposting to head office about daily position
15. Saving all transaction record in computer
16. Keeping good relation with valued customer and all customers
17. Providing necessary support to the customers
These functions may varied from bank to bank. But usually commercial banks perform the general banking activities by the following sections:
01. Information Desk
02. Account Opening Section
03. Remittance Section (Inward)
04. Bills and Clearing Section
05. Cash Section
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Contributor: Zulfiqar Hasan is a university teacher working as an Associate Professor (Finance).