Different Profiles in Banking

Corporate Banking - Corporate banking represents the wide range of banking and financial services provided to domestic and international operations of large local corporate and local operations of multinational corporations. Services include working capital facilities, domestic and international trade operation and funding, channel financing, overdraft, domestic and international payments, term loans, letter of guarantee,  cash management and other business services custom tailored for corporations.

Knowledge Banking - Specialized, industry specific solutions

Relationship manager -Have significant understanding of the dynamic, financial requirement of large Indian corporate and MNC client

Cash Management System
Effectively managing cash flows ::

1. Payment Solutions - Electronic Clearing Services
2. Collection Solution - Centralized CMS solutions

Treasury Role:
- Cheapest spot and forward prices
- Facilitating buying and selling of Government Securities
- Trade finance, forex services
- International fund transfer through SWIFT, draft cheque
- Interest rate, forex risk management, derivative desk
- Money Market, Management of Asset/Liabilities of bank (CRR ratio, SLR ratio, Treasury bill, commercial paper, Certificate of deposits)

Retail Banking - Saving account, consumer loans, credit cards and other services to individuals.

Finance manager role in organization-

• Take care of the financial needs of the company (arranging sources of funds). 
• Responsible for financial health and stability of the company ( analysis of financial statements). 
• Capital Budgeting (New project viability - NPV, IRR)

Investment Banking - A financial intermediary that performs a variety of services. This includes underwriting, acting as an intermediary between an issuer of securities and the investing public, facilitating mergers and other corporate reorganizations, and also acting as a broker for institutional clients. They also provide ancillary services such as market making, trading of derivatives, fixed income instruments, foreign exchange, commodities, and equity securities. Unlike commercial banks and retail banks, investment banks do not take deposits. From 1933 (Glass–Steagall Act) until 1999 (Gramm–Leach–Bliley Act), the United States maintained a separation between investment banking and commercial banks. Other industrialized countries, including G8 countries, have historically not maintained such a separation.

                              Investment Banking Structure