Bank Management CH 3

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The Organization &

Structure of Banks
& Their Services 1
Functional Divisions

Business Risk

Operations Support

2
Business
Retail / Consumer

SME

Commercial

Wholesale / Corporate

Treasury

3
Industry Definition
Fixed Asset excluding No. of Employee /
Land & Building (BDT) Labour
ME (Manufacturing) 10 crore – 30 crore 100 - 250
ME (Service) 1 crore – 15 crore 50 - 100
ME (Trading) 1 crore – 15 crore 11 - 50
SE (Manufacturing) 50 lacs – 10 crore 25 - 99
SE (Service) 5 lacs – 1 crore 10 - 49
SE (Trading) 5 lacs – 1 crore 6 - 10
Micro Industry (M) 5 lacs - 50 lacs 10 - 24
Micro Industry (S) < 5 lacs < 10
Micro Industry (T) < 5 lacs <5
< 10 (including
Cottage Industry < 5 lacs
family)
Risk
Retail / Consumer Credit

CRM

RMD

CAD

SAMD / Recovery

5
Operations
Trade Services

Transaction Support

Service Delivery

Documents Processing

Treasury Operations

6
Support
HR

IT

Finance

Marketing

General Admin

7
Support
R&D

ICC

AML

Legal

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