Banking. Organizational structure of a commercial bank, the role and functions of individual divisions (the most important)

Lecture notes, cheat sheets
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Banking. Organizational structure of a commercial bank, the role and functions of individual divisions (the most important)

Lecture notes, cheat sheets

Directory / Lecture notes, cheat sheets

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Topic 18. Organizational structure of a commercial bank, the role and functions of individual units

Commercial banks are credit organizations of a non-state nature that carry out banking operations on a business basis to service legal entities and individuals. They operate on the basis of licenses issued by the Central Bank of Russia.

The organizational structure includes: the board of the bank; bank board; bank affairs management; legal affairs unit; management of financing control; stock center; accounting department; settlement center; depository; Human Resources Department; security service, etc. The board of the bank is the governing body. The executor is the chairman of the board and his deputy. The work of the board and members of the board of the bank is regulated by special provisions. The structure of the business management organization includes such units as the office and the secretariat, the personnel department and others. Accounting - a structural unit that carries out accounting, which reflects all operations of the bank in cash. The balance sheet, documentation, accounts are used. According to accounting data, the accounting department prepares financial statements. The operational department of the bank provides settlement and cash services to customers, settlement, credit, cash and other operations, as well as draws up open settlement, current and other accounts of customers.

The functions of a commercial bank can be performed by various structural divisions:

1) management of foreign exchange transactions;

2) settlement center (solving problems related to the maintenance of office equipment, software, development and implementation of new services);

3) automation of banking technologies (selection, development, installation and operation of software products).

One of the most important areas of the bank: economic analysis, internal control, improvement of banking activities.

A depository is a special banking structure that provides acceptance and storage of valuables. A special security department of the bank ensures the safety and reliability of the functioning of the bank's divisions.

Authors: Shevchuk D.A., Shevchuk V.A.

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