The "Commercial Banking, SOP Manual" offers numerous advantages in the financial industry, serving as a comprehensive guide for standardized operating procedures. First and foremost, it promotes consistency and efficiency in banking operations, ensuring that routine tasks such as account management, loan processing, and financial transactions adhere to established protocols. This manual becomes a crucial tool for risk management, outlining procedures for compliance with regulatory requirements, security measures, and fraud prevention. Additionally, the SOP manual facilitates staff training, enabling banking professionals to stay abreast of industry best practices, legal standards, and evolving technologies. It enhances customer service by streamlining processes, reducing errors, and ensuring a uniform customer experience. Ultimately, the "Commercial Banking, SOP Manual" contributes to operational excellence, regulatory compliance, and customer satisfaction, positioning banks to navigate complexities, mitigate risks, and deliver reliable financial services.

CLICK HERE to download the List of SOPs Document in PDF format. Please share this document with your clients, colleagues and senior officers.

Top 50 Standard Operating Procedures (SOPs) for Commercial Banking

SOP-144-001: Standard Operating Procedure for Customer Onboarding
SOP-144-002: Standard Operating Procedure for Account Opening
SOP-144-003: Standard Operating Procedure for Know Your Customer (KYC) Compliance
SOP-144-004: Standard Operating Procedure for Credit Risk Assessment
SOP-144-005: Standard Operating Procedure for Loan Application Processing
SOP-144-006: Standard Operating Procedure for Credit Approval
SOP-144-007: Standard Operating Procedure for Collateral Evaluation
SOP-144-008: Standard Operating Procedure for Loan Documentation
SOP-144-009: Standard Operating Procedure for Disbursement of Loans
SOP-144-010: Standard Operating Procedure for Loan Monitoring and Repayment

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SOP-144-011: Standard Operating Procedure for Risk Management
SOP-144-012: Standard Operating Procedure for Fraud Prevention
SOP-144-013: Standard Operating Procedure for Anti-Money Laundering (AML) Compliance
SOP-144-014: Standard Operating Procedure for Transaction Processing
SOP-144-015: Standard Operating Procedure for Cash Management
SOP-144-016: Standard Operating Procedure for Trade Finance Operations
SOP-144-017: Standard Operating Procedure for Treasury Management
SOP-144-018: Standard Operating Procedure for Foreign Exchange Transactions
SOP-144-019: Standard Operating Procedure for Risk-Based Pricing
SOP-144-020: Standard Operating Procedure for Financial Statement Analysis

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SOP-144-021: Standard Operating Procedure for Deposit Management
SOP-144-022: Standard Operating Procedure for Overdraft Facilities
SOP-144-023: Standard Operating Procedure for Electronic Banking Services
SOP-144-024: Standard Operating Procedure for Account Reconciliation
SOP-144-025: Standard Operating Procedure for Customer Complaint Resolution
SOP-144-026: Standard Operating Procedure for Regulatory Compliance
SOP-144-027: Standard Operating Procedure for Internal Audit
SOP-144-028: Standard Operating Procedure for Technology Risk Management
SOP-144-029: Standard Operating Procedure for Data Security
SOP-144-030: Standard Operating Procedure for Disaster Recovery Planning

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SOP-144-031: Standard Operating Procedure for Vendor Management
SOP-144-032: Standard Operating Procedure for Branch Operations
SOP-144-033: Standard Operating Procedure for ATM Management
SOP-144-034: Standard Operating Procedure for Credit Card Operations
SOP-144-035: Standard Operating Procedure for Cross-Selling Products and Services
SOP-144-036: Standard Operating Procedure for Employee Training and Development
SOP-144-037: Standard Operating Procedure for Performance Measurement
SOP-144-038: Standard Operating Procedure for Budgeting and Financial Planning
SOP-144-039: Standard Operating Procedure for Marketing and Branding
SOP-144-040: Standard Operating Procedure for Compliance Training

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SOP-144-041: Standard Operating Procedure for Corporate Social Responsibility
SOP-144-042: Standard Operating Procedure for Crisis Management
SOP-144-043: Standard Operating Procedure for Succession Planning
SOP-144-044: Standard Operating Procedure for Business Continuity
SOP-144-045: Standard Operating Procedure for Board Reporting
SOP-144-046: Standard Operating Procedure for Financial Reporting
SOP-144-047: Standard Operating Procedure for Regulatory Reporting
SOP-144-048: Standard Operating Procedure for Market Research
SOP-144-049: Standard Operating Procedure for Product Development
SOP-144-050: Standard Operating Procedure for Customer Relationship Management

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Standard Operating Procedure - SOP ToolBox (1)

SOP ToolBox: If you are reading these lines, I am sure you are looking for Standard Operating Procedure guidelines or SOPs itself. In both the cases, searching in internet will not be yielding any great help. Because no company shares their SOP Development Process and certainly don’t share their SOP Documents. The best way to develop an SOP is creating one for yourself. At Fhyzics, we write SOPs day-in and day-out for companies across the globe including some of the Fortune 500 organisations. Our charge ranges from USD 5000 to USD 50000 depending upon the number of processes to be covered. Certainly, this is not affordable to small and mid-size organisations. Hence, we decided to create this SOP ToolBox to disseminate our 8-Step SOP Development Life-Cycle and best practices at an unbelievably low price.

I always say, writing an SOP is somewhere between art and science. So far you may be clueless on where to start and how to progress on an SOP? This will not be the case after you diligently go through this SOP ToolBox. We have summarised all our secrets here to get you started and to deliver a stunning SOP to your management.

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Industry’s Subsector:

Banks, commercial
Branches of foreign banks
Commercial banking
Commercial banks
Depository trust companies
National commercial banks
State commercial banks

Typical Types of Departments Performed in Commercial Banks:

Paying Teller’s Department
Receiving Teller's Department
Note Teller's Department
Collection Department
Transit Department
Loan or Discount Department
Credit Department
Analysis or Statistical Department
Individual Ledger Department
General Ledger Department
Country Bank Account Department
Auditor's Department
Exchange Department
Purchasing Department
New Business Department
Safety Deposit Department
Special Deposit Department

Industry Process:

Banking is the one of the major segments that determines the wealth of the nation, so it is considered as a part and parcel in economic growth. Commercial banks are regulated and standardized by the respective reserve bank of the country, where the reserve banks implement the banking laws and those are followed by the commercial banks. The industry operation consists of various functions and process. This Industry generates revenue by earning interest for the loan they lend to the customers, and also by collecting charges for the service they provide. Innovative strategies, services, and customer satisfactionare the major facts that determines the success of the commercial banks.

Functions of Commercial Banks:

Primary Functions:

Deposit Acceptance
Fixed Term deposits
Current A/c deposits
Recurring deposits
Saving A/c deposits
Tax saving deposits
Deposits for NRIs
Lending Money
Overdraft facility
Loans & Advances
Cash Credit

Secondary Functions:

Payment of taxes, bills
Fund collection through bills, Cheques etc.
Transfer of funds
Sale-purchase of shares and debentures
Collection/Payment of dividend or interest
Perform as a trustee and executor of properties
Foreign exchange Transactions
General Utility Services: locker facility

International Standardand Association Regarding this Industry:

ISO 35.240.40| International Standard of Organization- https://www.iso.org/ics/35.240.40/x/
ISO 03.060| International Standard of Organization- https://www.iso.org/ics/03.060/x/
ISO/TR 17944:2002| International Standard of Organization- https://www.iso.org/standard/33285.html#:~:text=ISO%2FTR%2017944%3A2002%20provides,relevant%20existing%20standards%20are%20given.
International Banking Association- https://www.iba.cw/
World Bank Group- https://www.worldbank.org/
Institute of International Bankers- https://www.iib.org/

Leading Commercial Banksin the world:

Industrial and Commercial Bank of China| Beijing, China| http://www.icbc-http://icbc.com.cn/
China Construction Bank| Beijing, China| http://www.asia.ccb.com/
Agricultural Bank of China| Beijing, China|http://www.abchina.com/en/
Bank of China|Beijing, China|http://www.boc.cn/en/
Mitsubishi UFJ Financial Group| Tokyo, Japan|https://www.mufg.jp/english/index.html
HSBC|London, United Kingdom|http://www.hsbc.com/
JPMorgan Chase| New York, United States|http://www.jpmorganchase.com/
Bank of America| North Carolina, United States|http://www.bankofamerica.com/
BNP Paribas| Paris, France|https://group.bnpparibas/en/
Crédit Agricole| Montrouge, France| https://www.credit-agricole.fr/

Journals and MagazineRelated to this Industries:

Magazine| Banking Finance-https://www.bankingfinance.in/magazine
InsideBanking- https://www.insidebanking.net/magazines-and-periodicals
BFSI- https://bfsi.eletsonline.com/
Finance Monthly- https://www.finance-monthly.com/
Global Finance Magazine- https://www.gfmag.com/
ABA Banking Journal- https://bankingjournal.aba.com/
Journal of Banking & Finance| Elsevier- https://www.journals.elsevier.com/journal-of-banking-and-finance
The Past and Future of Commercial Banking| JSTOR- https://www.jstor.org/stable/2601255?seq=1

Video related to this article:

https://www.youtube.com/watch?v=5ld2x94RuH0

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Fhyzics supports organisations in developing the following documentations:
Standard Operating Procedures (SOPs), Work Instructions, Policies and Procedures, Process Flow Diagrams, Job Descriptions, Training Manuals, Employee Handbooks, Compliance Guidelines, Quality Assurance Manuals, Health and Safety Procedures, Risk Management Plans, Business Continuity Plans, Internal Audit Procedures, Incident Reporting Forms, Performance Management Guidelines, Change Management Procedures, Vendor Management Guidelines, Customer Service Protocols, IT Security Policies, IT Support Documentation, Disaster Recovery Plans, Operational Checklists, Data Management Policies, Confidentiality Agreements, Non-Disclosure Agreements, Employee Onboarding Procedures, Employee Exit Procedures, Performance Appraisal Forms, Employee Code of Conduct, Conflict Resolution Procedures, Product Development SOPs, Supply Chain Management Guidelines, Procurement Guidelines, Inventory Management SOPs, Shipping and Receiving Procedures, Production Scheduling SOPs, Maintenance Procedures, Equipment Calibration Documents, Environmental Compliance Documentation, Sustainability Policies, Customer Feedback Forms, Marketing Strategies, Advertising Guidelines, Brand Management Guidelines, Product Packaging SOPs, Laboratory Testing Procedures, Regulatory Compliance Documentation, Tax and Accounting Procedures, Contract Management Procedures, Legal Compliance Guidelines, Financial Reporting Procedures, Budgeting Procedures, Internal Control Procedures, Fraud Prevention Policies, Asset Management Guidelines, Purchase Order Procedures, Sales and Distribution Guidelines, Client Contracts, Customer Return Policies, Internal Communication Protocols, Vendor Evaluation Forms, Product Safety Standards, Workplace Health and Safety Standards, Public Relations Procedures, Social Media Management Guidelines, Crisis Management Plans, Employee Grievance Procedures, Privacy and Data Protection Policies, Digital Transformation Guidelines, Innovation Management Procedures, Continuous Improvement Guidelines, Strategic Planning Documents, Corporate Social Responsibility (CSR) Guidelines, Audit Trails and Records, Employee Training and Development Records, Succession Planning Documents, Talent Acquisition Procedures, Team Collaboration Protocols, Employee Benefit Plans, Workplace Diversity Guidelines, Time and Attendance Tracking, Payroll Procedures, Employee Leave Policies, Conflict of Interest Policy, Emergency Response Procedures, Environmental Impact Assessment Procedures, Transportation and Logistics Procedures, Inventory Control Forms, Warehouse Management Guidelines, Product Lifecycle Management SOPs, Customer Satisfaction Surveys, Third-Party Risk Assessment Guidelines, Technology Adoption Policies, Software Licensing Guidelines, Security Incident Response Procedures, Supply Chain Risk Management Policies, Product Recall Procedures, Food Safety Guidelines, Employee Wellness Programs, Workplace Ergonomics Guidelines.