Bank clafsification

Introduction

When realizing the Information system for banks, it is necessary to conduct the scanning of the bank's structures from two aspects:The size of the bank based on the scope of its business dealings, without inspection of size and structure of its capital, basing on: number of changes for a year, number of opened accounts and the number of account holders that the bank is cooperating with. The other aspect of estimating the size of the bank is concentrating on its extensions: one building, several buildings in a city, several branch offices and processing units in different cities. Based on these two factors that significantly affect the solving of the Information system and the choice of IS backup hardware, we have divided banks into three types: type A Banks, type B Banks, and type C Banks.

Type A Banks

The bank is located in one building where the business dealings take place. Number of working positions is from 20 to 100, with small number of workers. A hall for dealings with citizens is also located in that building. Accomplishments in the period of one year:

Financial changes p to 500.000
Opened accounts p to 30.000
Account holders up to 10.000
Processing in network up to 30

For this type of bank, we recommend realization of IS base on one computer wit a network of operating station in intranet surroundings. Through operating stations, it will be possible to perform data processing for certain subsystems:

Subsystem of national currency dealings
Subsystem of exchange currency dealings
Subsystem of citizens and small business
Subsystem of accounting department
Subsystem of earnings and personnel record
Subsystem of fixed assets
Subsystem of real-time surrounding retail banking

Entering the data obtained from the National bank, from the companies that the bank has a business cooperation with, from the commercial network and other banks:

Statement of company's gyro account
State and circulation of deposit assets
Worker's salaries
Pensions
Credit cards
Checks data exchange

Type B banks

The bank is located in several buildings and in its structure has branch offices (usually in different city) where all of the business dealings take place. Total number of working positions is 50 to 200. Šalter sale for business dealings with citizens are located in the same or in separate buildings. Processing unit has its own analytical accountancy, an on the level of the whole bank the data is being united for the general ledger. Accomplishments in the period of one year:

Financial changes up to 2 500.000
Opened accounts up to 100.000
Account holders up to 50.000
Processing stations in network up to 100

For this type of bank, we reccomend realization of the IS base on one computer with network of processing units in intranet surrounding. Using quality network resources ISDN, X25 package network, permanently rented lines, would enable processing units to link to the computer. Through processing units located in buildings, data for certain subsystems would be processed:

Subsystem of national currency dealings
Subsystem of exchange currency dealings
Subsystem of citizens and small business
Subsystem of accounting department
Subsystem of earnings and personnel record
Subsystem of fixed assets
Subsystem of real-time surrounding retail banking

Entering the data obtained from the National bank, from the companies that the bank has a business cooperation with, from the commercial network and other banks:

Statement of company's gyro account
State and circulation of deposit assets
Worker's salaries
Pensions
Credit cards
Checks data exchange
Processing units data uniting
Distant bank windows data uniting

Type C Banks

The bank consists of a larger number of branch offices (type A and type B banks) that together make a bank system located in several buildings in different cities or even in several countries, where the independent dealings processes are being performed. The total number of working positions is individually defined in each branch office (Bank), and usually exceeds few hundreds. Šalter sale for dealings with citizens are located in a number of cities and villages, and they are connected to branch offices (Banks), processing units. Accomplishment in on year period:

Financial changes over 10.000.000
Opened accounts over 1.000.000
Account holders over 300.000
Processing stations in networks a few hundreds

For this type of bank, we recommend realization of the complete IS base on the central bank's computer, and realization of IS bases on type A and type B banks' computers. With solid backup of network software, the data could be exchanged between the central bank and type A and type B banks. The distributed bank's database model would completely change.

Specification of Hardware and Software for this type of bank must be done after detailed analysis of bank's possibilities and needs

On branch offices' servers, and through operating stations located in banks (branch offices), data would be processed for certain subsystems:

Subsystem of national currency dealings
Subsystem of exchange currency dealings
Subsystem of citizens and small business
Subsystem of accounting department
Subsystem of earnings and personnel record
Subsystem of fixed assets
Subsystem of real-time surrounding retail banking

On the central bank's computer:

The data for the needs of the central bank would be processed
Daily uniting and processing of the data obtained from the DPC for deponents and gyro account for the whole bank , as well as distribution of data to all branch offices (type A and type B banks) would be performed
Daily uniting and processing of the data obtained from the banks outside the system (exchange of checks…), ptt, commercial network DPC, VISA credit cards.. for the entire bank and distribution of data to each branch office (type A and type B banks)would be performed.
Daily uniting and processing of the data obtained from each branch office (type A and type B banks) at the level of the General ledger, and forming of the states of analytics of certain accounts - account holders.

From the central computer, it would be possible to obtain:

All reports and information necessary for the bank's dealings and for the bank's management.
All reports and information about the bank's dealings for the National bank and other financial organizations.
All reports and information necessary for the bank's bussiness partners.
Inqueries about states at the level of the entire bank or at the level of individual branch offices (banks)

Analytics of dealings of certain accounts - account holders would be kept in the branch offices' computers (type A and B banks), where it originated.