Page 39 - Banking Finance November 2025

A R T IC L E
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interests of the customers and at the same time en- depend on customers for sales and customers depend
sure proper regulatory guidelines being followed by the on bankers for their operations and services.
banks invariably. Reliable: Banker is the ambassador between brand
Rules: These are the regulations and certain instruc- (bank) and reputation (customer). Trust is the bridge be-
tions which invariably need to be followed by the cus- tween banker and customer whereas loyalty is the
tomers and bankers equally. When a savings account is bridge between customer and banker. Highest degree
opened, it is the duty of a customer to maintain the which decides both is the Integrity and honesty.
stipulated balance and at the same time in case of non- Responsible: Bankers are always at the mercy of the
maintenance, banker is permitted to charge the ac-
customers and be responsible for them towards trans-
count. Some of the rules may be rigorous, but the pur- actions, service and sales. In case of transaction, it is
pose is nothing but to protect the customers' money the responsibility of a banker to execute proper way, in
and their trust in the banking industry.
case of service, responsibility of a banker to extend dili-
Regulations: These are the stricter policies like KYC gently and in case of sales, ensure sale of right product
norms to ensure Anti Money Laundering (AML) trans- for the right customer and post sales service is equally
actions are being strictly monitored. Due diligence is the more important to ensure whether customer satisfies
primary duty of the banker for which customers need with the product being sold by the banker.
to cooperate with the bankers with the aim of protect-
ing the interests of the customers only. Overall banker customer relationship strictly goes with the
proverb, like as you sow; so, you reap. For financial growth,
5. Customer Service: customer depends on the banker, whereas for company
Reachable: Banker should always be reachable for the growth, banker depends on the customer. Overall financial
customer, and both depend on each other. Bankers growth of the country depends on both two ambassadors.

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