Grievances Management in Bank & House Keeping!

Grievances Management:

– Factors responsible for Grievances

– Its importance

– Reason for Grievance in Bank

– Resolving Process


(A) Factors:

1.Environment of Office

2.Sitting Arrangement

3.Time Schedule

4.Boss – Subordinate Relation

5.Financial Facilities



8.Non Appreciation of Personal Problem

9.Career Opportunity

10.Work Load

  1. Nature of Work
  2. Communication Hazards specially Language
  3. ACR
  4. Special Favor
  5. Under Estimation


(B) Effects:   

1.Low Productivity

2.Affecting Planning

3.Affecting for Attaining Goal/Objectives

4.Dissatisfaction, Demotivating, Discouraging Situation

5.Affecting Innovation

6.Draining out of Prospective, Efficient Officer

7.Shortage of Skilled Man Power

8.Disturbing/Affecting Work Environment

9.Affecting Reputation

10.Non Acceptances of Banking Career by the Prospective Candidate


(C) Some Resolving Process:   

1.Create congenial environment/working environment

2.Satisfactory, respectful sitting arrangement

3.Priority basis work planning should be arranges to avoid unnecessary delay in office

4.Try to maintain scheduled time

5.Controlling is necessary but should not cross the limit

6.Justice to be maintained with the subordinate i.e. appreciate good performance & discourage unacceptable performance

7.Financial facilities should be reasonable

8.Reasonable distribution of work load i.e. on the basis of efficiency, performance & knowledge considering load also.

9.Posting should have reasonable consideration i.e. merit, performance, efficiency, quality etc. should be given priority.

10.Appreciate reasonable personal problem

11.ACR must have sufficient justification i.e. avoid undue favor or deceive right person

12.Motivate people at work at different ways.\

13.Arrange training for right employee for skill development

14.Career path planning is essential

15.Distribute work on the basis of efficiency

16.Appreciate good performance and discourage slow and ineffective performance.

17. Recommend promotion for the right person

  1. Try to avoid special favor
  2. Don’t under estimate anyone
  3. Care while using language


House Keeping: Discussion Point



“Service is the Moto


Profit is the Target”


To Achieve

Proper Planning, Organizing, Assembling Resources, Implementing, Disciplining, Directing, Motivating, Coordinating, Communicating, Supervising, Monitoring, Reporting, Follow-up, Evaluating, Controlling, Feedback & Complying.



Success – Goodwill – Marketing – Success.



Human Factor, Material & Non-material Factor

(Man, Money, Material, Moment, Methods (5’m) and Environment)


Management of Human Resource:

Selection & Placement:

Considering Knowledge, Skill Attitude, Aptitude, Responsibility, Accountability, Communication & Negotiation Skill with Goal Oriented, Development Through Training & Motivating, Managing Grievance, Discipline, Maintenance of Environment, Service Compliance with Duty List, Maintenance of Dairy & Dress.



  1. a) Physical: Layout considering time & motion study, sign board & notice board & sitting arrangement, cleanliness.
  2. b) Record Management: Filling, setting, indexing, personal record filing, identifying importance & use custody, security, safety and secrecy, preservation



Documents, forms, books, registers, security stationeries, vouchers, books of A/Cs, B.B.I., circulars, guidelines, instructions, checklist, report, statements, compliances, different index, card box, valuables etc.


Operational Management:

  1. a) General Banking:
  2. b) Credit:
  3. c) Forex:


Internal control & compliance

a)Compliance unit

b)Monitoring unit & ICT

c)Audit: Risk based audit


Internal Control Process:

a)DCFCL: Daily, weekly, monthly checklist

b)Recording functions

c)BM will analyze & confirm

d)BM will preserve for inspection

i)Loan documentation checklist

ii)Operation report

iii)Risk analysis & rating

iv)Monitoring & follow-up


vi)Compliance in all stages

vii)Branch compliance officer (BCO)


Short Functions

  1. General Banking:

Customer service – A/C opening & operation – Cash management – accounting – statement, return – dispatch – clearing – collection – remittance etc.


  1. Credit:

Selection – processing – CRM – security – documentation disbursement – supervision – monitoring – follow-up – classification & provisioning – NPL management – renewal rescheduling – write-off – recovery measures (Legal & non-legal)


  1. Forex:

Processing- maintaining books, circulars, guidelines, publications – forms & documents – operation – doc, exam & scrutiny – settlement – handling LIM & demand Loan – statement & returns & maintenance etc.

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    외국선물은 크게 콜 옵션과 풋 옵션으로 구분됩니다. 매수 옵션은 지정된 기초자산을 미래에 정해진 금액에 사는 권리를 허락하는 반면, 매도 옵션은 지정된 기초자산을 미래에 일정 가격에 매도할 수 있는 권리를 부여합니다.

    옵션 계약에서는 미래의 특정 날짜에 (종료일이라 지칭되는) 정해진 가격에 기초자산을 사거나 매도할 수 있는 권리를 가지고 있습니다. 이러한 금액을 행사 가격이라고 하며, 만기일에는 해당 권리를 행사할지 여부를 결정할 수 있습니다. 따라서 옵션 계약은 거래자에게 향후의 시세 변화에 대한 보호나 수익 실현의 기회를 부여합니다.

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    외국선물 거래의 원리

    실행 가격(Exercise Price): 외국선물에서 행사 금액은 옵션 계약에 따라 특정한 가격으로 약정됩니다. 종료일에 이 가격을 기준으로 옵션을 행사할 수 있습니다.
    종료일(Expiration Date): 옵션 계약의 만기일은 옵션의 행사가 허용되지않는 최종 일자를 뜻합니다. 이 날짜 다음에는 옵션 계약이 종료되며, 더 이상 거래할 수 없습니다.
    매도 옵션(Put Option)과 매수 옵션(Call Option): 매도 옵션은 기초자산을 명시된 금액에 팔 수 있는 권리를 허락하며, 콜 옵션은 기초자산을 지정된 금액에 사는 권리를 허락합니다.
    계약료(Premium): 외국선물 거래에서는 옵션 계약에 대한 계약료을 지불해야 합니다. 이는 옵션 계약에 대한 가격으로, 시장에서의 수요와 공급에 따라 변경됩니다.
    실행 방식(Exercise Strategy): 투자자는 만료일에 옵션을 행사할지 여부를 선택할 수 있습니다. 이는 마켓 환경 및 거래 플랜에 따라 다르며, 옵션 계약의 수익을 극대화하거나 손해를 감소하기 위해 결정됩니다.
    마켓 위험요인(Market Risk): 해외선물 거래는 마켓의 변화추이에 영향을 받습니다. 시세 변동이 기대치 못한 방향으로 발생할 경우 손실이 발생할 수 있으며, 이러한 시장 위험요인를 감소하기 위해 투자자는 전략을 구축하고 투자를 계획해야 합니다.
    골드리치와 동반하는 외국선물은 보장된 확신할 수 있는 투자를 위한 최상의 선택입니다. 고객님들의 투자를 뒷받침하고 인도하기 위해 우리는 최선을 다하고 있습니다. 함께 더 나은 내일를 향해 계속해나가세요.

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