Commercial banks are responsible for a variety of tasks that they handle in a well-organized manner, which allows for a division of labour. These tasks involve accepting deposits, distributing funds, managing payments, issuing bank drafts, and dealing with checks, among other related activities. Every staff member in the bank is assigned a specific role that they are trained for and supervised in, ensuring that all tasks are carried out efficiently and in an orderly fashion.
In Nigeria, banks have adopted specific building patterns and aesthetics to make them easily identifiable to customers across the country. In addition to their unique names, banks also use brand colours and patterns, which are applied consistently in all of their branches and outlets. The layout of most banking halls is generally similar, with sections such as a waiting area, counter and reception area, customer service area, sitting area, bulk room, and free area. Other sections include offices for the manager, transfers, vaults, storage, general offices, restrooms, dressing rooms, cafeterias, and conference rooms. External sections typically include a carport, a service area for ATMs, security posts, and open spaces.
Behind most banks, there are additional sections such as a security quarter, staff carport, restrooms, plant house, and control room. Bank buildings are designed to be fortified against extreme temperatures, fire, water damage, settlement issues, armed robbery, and burglary. They are equipped with sophisticated infrastructure and facilities to protect and secure money and sensitive documents, including security lights, CCTV cameras, fire-fighting equipment, heavy-duty transformers, and backup power systems to prevent electricity interruptions.
Additionally, robust security software, machines, and personnel are employed to safeguard customers’ databases, funds, and other valuables due to the use of high-tech facilities, equipment, and software in daily banking transactions. The banking system is designed as a fortress to ensure safety and security.