Banking agency

With the difference in the services of the seat of the Bank, a banking agency is a place open to the public making it possible to the customers to proceed to bank transactions.

Organization

These operations are ensured near the Guichetier S and of the advisers of customers. According to the establishments and the organizations, names of use can vary: charged with customers, advisers commercial, operating, etc…

The development of the transactions by networks Telematic S, of the automatic teller machines and more generally what is called the remote , pleasing bank to decrease manpower of Cash clerk S and makes the counter clerks general-purpose. Thus on the level of the buildings, the installation of the machines self-service service, and spaces of maintenance-customers (banks sitted) led gradually to the disappearance of the " Counter s" or comptoirs"

The most important agencies include/understand a back office, or more precisely a Middle office, treating various administrative operations, but the tendency is to make available the maximum of personnel to remain in contact with the customer (Front office).

The agency is placed under the authority of a Directeur of agency , him even dependant on a Directeur of network of agencies (areas, etc…) or of a Directing of market. The important agencies can have antennas locally decentralized, permanent or temporary, ensuring only the servicings. An organization by " groups of agences" with a principal agency and secondary agencies can also be installation.

Specialization and commercial role

The agencies can be more or less specialized according to the activity or the market:

arranges dedicated to the customers of private individuals
arranges dedicated to the customers of companies.

Certain agencies act thus like minis banks of companies or private banking.

Appear also virtual agencies based on the telephone and the Internet.

The purpose of the agencies of bank are, in addition to the quality of the customer service, the development of their " wallet of clientèle" and of the operations of these customers. The director of the agency is recipient of the Plan marketing bank, and the advisers of customers have commercial objectives, in particular of placement, generally monthly followed.

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