• Bank Business Plan

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Bank Business Plan

Bank business plan helps the entrepreneur to understand, to visualize, to plan and to identify risks even before making any investments in the business. Preparing a business plan involves detailed research so that all the aspects of the given business are evaluated and appropriate decisions are made. A bank is a financial institution and a monetary middle person that acknowledges stores and channels those stores into loaning exercises, either specifically by advancing or by implication through capital markets. A bank is an association between clients that have capital shortages and clients with capital surpluses. Most banks work under a framework known as fragmentary save keeping money where they hold just a little save of the assets saved and loan out the rest for the benefit.

For example; the condition for beginning a business bank is not the same as the states of beginning a miniaturized scale fund bank. So likewise, the conditions and prerequisites for beginning a group bank are not the same as the conditions and necessities of beginning a Micro fund bank. In The year 2006-12, a rate of 12.03% deposits grew at CAGR and reached 1.54 trillion by the year end. ICRA estimates that credit growth in India’s banking sector would be at 7-8 per cent in FY 2017-18. Typical Banking services are Business loans, checking accounts, Savings accounts, Debit and credit cards, Merchant services (credit card processing, reconciliation, and reporting, check collection), Cash management (payroll services, deposit services).

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All organizations are made up of group of capabilities that are coming from People, Processes and Systems. These capabilities are working together in a seamless manner to deliver the requisite capabilities to the customer. The various capabilities that need to be addressed in a Bank business plan are given below:


The Bank are led by Chief Executive Officer (CEO), Chief Operating Officer (COO), Chief Financial Officer (CFO), then based on the line of business, bankers are classified in to various title and roles such as Branch Manager, Customer Service Representative, Compliance officer, Loan Officer, Investment Specialist, Financial Advisor, Personal Banker, Tellers / Cashier, Security guards, Operation.


Banking business are driven by Core Banking System, which consist of a database provides real-time information/services. Account opening / Loan Processing / Payment Processing / Re-consolation of the accounts / Statements are done on a regular basis. Risk, Fraud, Compliance, Sales, Marketing and HR are the other factor involves in the process.


Owned Office space or Leased Place, Computers, Server, Telephone, Documents / Various Slips for deposit/ fund transfer, Cheque books, Cards. IT Infrastructure is need to facilitate the service of banking through Internet / Mobile Service.

Most of the businesses have professional bodies across the globe and being associated with these organizations tremendously helps in understanding the current trends in business. Some of the professional bodies are listed below for your reference:

American Bankers Association
1120, Connecticut Ave NW Washington, DC 20036

The Association of Banks in Singapore
#12-08, MAS Building 10 Shenton Way, Singapore 079117

UAE Banks Federation
EIBFS Building, 4th street, AL Moroor street, Abu Dhabi, United Arab Emirates

Canadian Bankers Association
Commerce CourtWest,199 Bay Street, 30th Floor Toronto, Ontario M5L 1G2

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