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Old Sunday, March 11, 2012
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Post Steps for effective Presentation

The following seven steps will help you plan and prepare the most effective presentation:
1. “Establish the framework” – Weigh your objective, your “call to action,” against the makeup of your audience. Consider your audience’s stand “point A” and your objective “point B.” Persuasive communication centers on the movement from point A to point B.
2. “Brainstorm: Consider all the possibilities” – Write down all the information your presentation could include. Separate the good ideas from the bad ones, and the great ideas from the good ones. Organize the best concepts. Develop some primary themes.
3. “Find a mnemonic device for your main themes” – Ancient Roman orators used to deliver their lectures as they moved from one marble column to the next in the forum. Why? The wily speakers used the individual pillars as memorization aids: They assigned a primary point to each column. Develop your own mnemonic devices.
4. “Provide a road map” – Develop a “flow structure” (novelists and screenwriters term this the “story arc”) for your presentation. Tie the individual points and themes into a unified, organized whole.
5. “Use visual aids” – Make your graphics support your story arc. Unfortunately, many of today’s speakers focus on visual aids (particularly PowerPoint slides) as if they are the primary reason for their presentations. This is exactly backward. Use graphics sparingly. Do not let them dominate your speech.
6. “Ownership: Don’t pass the buck” – If you are speaking from material that someone else developed, such as a corporate speechwriter, being passionate is more difficult. Play an active role in preparing your take on the presentation.
7. “Practice the right way” – Rehearse the words of your speech over and over to discover how you want to emphasize and accent specific points. This will help you memorize your presentation or, at least, become deeply familiar with its primary concepts.
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Old Saturday, March 31, 2012
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Post Limits of cash assigned to banks and insurance limit

Cash Holding Limit of Branch
Cash holding limit for branch is assigned and approved by head office and revised time to time according to the needs and requirements of customers. For each branch cash holding limit may be different. It is statutory criteria imposed by SBP to specify the cash holding limit. The pupose is to make sure the safety of cash and to avoid some unpleasant event e.g. theft, robery, fire etc. Further, it may be invested in business without keeping it idle.
For example a branch has cash holding limit of Rs. 2.500 million. But at the end of day, the balance is found 3.000 million. The amount of excess cash would be (3.000M – 2.500M)=0.5M
Cash Insurance
Cash insurance is a cover which indemnifies the insured against loss of money.Money includes current coin, Bank and currency notes,cheques,pay orders, demand drafts etc. Insurance companies accept the responsibility of loss or damage in case of any unpleasant event to branch, so cash is insured, excess cash as well as cash with in assigned limit.
Cash in vault includes two categories, cash upto cash holding limit and cash in excess to cash holding limit. For, cash upto holding limit, there is normal and usual insurance cover. When cash is above the limit extra premium is paid for insurance. The insurance is paid by Head office when manager/operation manager reports, on daily basis (if cash excedds its limit).
When cash is in transit, the insurance is the responsibility of transporting company.
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Old Sunday, April 01, 2012
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Post Branch Banking

What Does Branch Banking Mean?
Engaging in banking activities such as accepting deposits or making loans at facilities away from a bank's home office. Branch banking has gone through significant changes since the 1980s in response to a more competitive nationwide financial services market. Financial innovation such as internet banking will greatly influence the future of branch banking by potentially reducing the need to maintain extensive branch networks to service consumers.
Branch Banking Concept
A branch is a retail location where a bank offers a wide array of face-to-face and automated services to its customers. Branch is one of the most important channel of the bank and is generally the most preferred channel from the customer's point of view. The branch is referred to as the face of the bank since the customer can visit personally and meet and interact with the branch officials and avail the various services offered by the bank.
In reality, the branch is the sales and service channel of a bank and the branch employees are generally responsible for both sales and service of bank's products.
Sales in terms of branch banking could be of any of the bank's deposits, products, gold, retail or other investment products of other approved organizations, such as life insurance, general insurance, and mutual fund.
The most common examples of deposit products of a bank are savings bank account, current accounts, fixed deposit accounts, and recurring deposit accounts. The customers or the prospects desiring to open any of these accounts have to fill an Account Opening Form [AOF] and submit the specified documents in order to meet the Know Your Customer [KYC] guidelines issued by the SBP.
The examples of a bank's asset products include personal loan, home loan, car loan, and credit card. When a customer approaches the branch for any of the loan products of the bank, the branch employee takes down the contact details of the customer and the record of the lead generated are kept with the bank for follow up action. Sometimes, such leads are escalated to outsourced agencies, such as Direct Sales Agent [DSA] or Direct Marketing Agent [DMA] of the bank. These agencies, in turn, get in touch with the customers for obtaining the necessary documents. The credit decision whether to sanction or not the various loans to the customers is taken by the bank officials in the credit sanctioning department of the bank.
In most of the banks, the front office activities that involve customer interaction are handled at the branches, for instance, cash receipts and payments, issue of DD or lockers. The back office activities, such as clearing and account opening may be centralized at a different location away from the branch. Activities like clearing centralize payments of drafts and other instruments, which are related to the local area, may be grouped in to one centre. Certain other activities that are common across centres may be performed at another place for the purpose of achieving efficiency of operation and controlling costs.
Services provided at the branches
Several services are offered to customers by the bank branches. The following list only covers the main services offered by most of the branches:
• Account opening
• Cash receipts
• Cash payments
• Cheque book issue
• Stop payment of cheques
• Closure of fixed deposits and premature withdrawals
• Issue of DDs and banker's cheque
• Safe deposit lockers
• Foreign exchange services
• Acceptance of clearing cheques
• Deliverables, such as cheque books, debit cards, PINs and passwords
• Acceptance of queries and complaints
• Investment services
• Standing instructions
• Retail loan products
Despite the emergence of several other delivery channels external to the bank, branch banking still remains its utility. This might be due to the advantage of the location of branches enjoyed by the customer. Also, in the current state of development the alternate channels have limited service capabilities which make a branch an extremely useful service and delivery outlet. A branch is capable of handling diverse requirements of a customer in addition to projecting the human feeling arising out of the personal relationship with the branch officials
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