1.

Products and services of Commercial Bank SA:

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Commercial bank SA is founded in 1985, its headquarters is in Zgharta-main Road. It has 5

branches: Jbeil, Tripoli, Jounieh, Koura and Akkar.

It is a financial institution and intermediary that provides services such as accepting deposits,
giving business loans, mortgage lending, and basic investment products like savings accounts
and accepts time deposits.

It has a wide range of functions which satisfies the financial needs of sectors such as
communication, agriculture, industry and many more. It shows that they play a very significant
role in the process of economic social needs. There are 7 main functions of the bank which are
accepting deposits, giving loans, over-drafts, discounting of bills of exchange, investment funds,
agency functions and other miscellaneous functions.

The commercial banks accept deposits from the different sections of the society based on the
financial conditions. For example, a person from a lower income category deposit money into the
bank in small amounts for saving purposes but a businessman in the other hand deposits savings
for the convenience of payments. There are three types of deposits which are current deposit,
fixed deposit and savings deposit. Current deposit allows a person to withdraw and deposit their
money whenever they wish with a minimal interest rate or zero interest. Fixed deposit in the
other hand allows a person to deposit their money for a certain period of time with conditions
which is not less than a year and the interest rate in return is very high. Savings deposit is cash
that can be deposited and withdrawn once or twice a week. This is basically to muster small
savings in the forms of deposits.

Besides that commercial banks SA gives loans to its customers and charges interest which is the
main source of income for the bank. Types of loans offered are demand loans, short term loans,
and cash credit. Demand loans are loans which gives the lender the ability to demand full
payment of the remaining balance of the loan at any point in time after the loan is being issued.
These loans do not include specific schedules to make payments for the debt. Likewise short
term loans may be given as personal loans and the entire loan amount is transferred to the loan
account of the borrower and interest rates are very high. Cash credits are a form of short term
cash loan to a business. This type of loan is usually used for expenses in a business and the
repayment time is within 12 months or lesser.

Banks issues over drafts for its customers when there is no deposit in the current account and
they make sure there is a high security from their customers. Besides that, high interest rates are
also charged. In addition to that, banks have investment of funds whereby they invest their
surplus funds in 3 types of securities which is government securities, other approved securities
and other securities.

2. Organizational structure

General
Director

Vice director

Supervisor

Customer TELERS
relationship (caissier)s
agent (CRA) ))
The above document represents the hierarchy of the bank. The role of the General
Director is to direct the work of all Vice Director and is responsible for developing his
agency with a view to profitability, efficiency, risk control and quality. In addition, it
ensures the permanence of contacts with the private customers, professionals and
companies.

Then the vice director of the branch has the role of directing the work of its employees and
having a good relationship with its customers and gives a good advantage to increase the
percentage of customer in this branch.

The supervisor, is responsible for the work of the "Tellers" who are the cashiers,
Customer Relationship Agent (CRA): responsible of opening and closing an account of
different types; responsible for the implementation of the loans.
The "Tellers" who are the cashiers, are distinguished by their speed in serving the clients of the
agency.

Employees of the Commercial Banks SA are the following:

a. The director is Mr. Bassam Khoury, he is 42 years old and has a PHD in finance
from the Lebanese university.

b. The vice director is a woman, she is 38 years old and has a master in accounting and
auditing from the Antonine University

c. The supervisor is a man, he is 35 years old and has a master in accounting and
auditing from the Antonine University.

d. The customer relationship department has 4 employees, 2 men and 2 women who
has a master degree in marketing from the USJ and Balamand.

e. Commercial bank SA has 7 tellers: 4 men and 3 women who has bachelor and
master degree in accounting from different universities.
 3. Balance sheet
The balance sheet of a commercial bank is a statement of its liabilities and assets at a particular
point of time. Liabilities refers to all debit item representing the obligations of all the bank or
others claims of the bank. On the other hand assets refers to all credit items representing the
banks claims or other its ownership of wealth.

Thus, the balance sheet shows how a bank raises funds and how it invests. It is assumed that the
liabilities are mentioned on the left side and the assets on the right side of the balance sheet. A
balance sheet of a bank is shown on a below table:

Liabilities Assets
1. Cash-
(i) Cash in hand,
(ii) Cash with central bank and
1 Share capital (iii) Cash with other bank
2. Reserve fund 2. Money at call short run notice
3. Deposits-
(i) Demand deposits,
(ii) Time deposits and
(iii) Saving deposits 3. Bills purchased
4. Borrowing from other bank 4. Investment
5. Acceptance and endorsements 5. Loans and advances
6. Liabilities of customers for acceptance and
6. Other liabilities. endorsement
  7. Building and other fixed assets.

https://www.theeconomicsstudy.in/2021/07/balance-sheet-of-commercial-bank.html

4. Strengths and weaknesses

a. Strengths

 Experienced business units

 Reduced labor costs
 Loyalty of employees
 High growth rate
  Barriers of market entry

b. Weaknesses

 High loan rates are possible

 To many banks

 Fund is still small