Organization by
Function
To achieve the desired ends, any company , you must define specific objectives and appropriate strategies. Then need to provide the resources and tools needed . The organization is the necessary combination - integration of human and material available to the company in terms of the objective means. Banks are usually organized by business areas that are the result of customer segmentation . The specialization is more or less depending on the size of the bank among many other reasons. So we can distinguish the following divisions , areas or classes of banking:
To achieve the desired ends, any company , you must define specific objectives and appropriate strategies. Then need to provide the resources and tools needed . The organization is the necessary combination - integration of human and material available to the company in terms of the objective means. Banks are usually organized by business areas that are the result of customer segmentation . The specialization is more or less depending on the size of the bank among many other reasons. So we can distinguish the following divisions , areas or classes of banking:
- Universal Banks: We understand that the bank that offers very diversified trying to cover all potential customers in a product area . It is the general banking, otherwise it would be specialized banking .
- Commercial banks and industrial banks: They finance companies, both, but the first is distinguished by attention to more entrepreneurs and small business people physical (SMEs ) and its working, while in the second case, in addition to the current funding the bank may engage in equity financing if requested by customers - companies.
- The corporate banking: The specialized with specific products for SMEs. Thus distinguished from personal banking, people and consumer banking , ie the specialized finance short- pet apparatus. Large banks are generally open specific areas and corporate offices to distinguish them from the more general personal banking.
- The corporate banking and private banking: banks are also companies and people, respectively, but in the first case it is big business and in the second, it is advise people of large and complex estates.
- For business banking: specialization is understood in considerable financial investment management and operations such as acquisition of packets outstanding capital or mergers, or other processes requiring a complex legal advice and handling large sums of cash, all frequently developed in the global sphere of international finance.
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