Bulacan State University

College of Architecture and Fine Arts

SAVINGS BANK

Submitted by:
De Vera, Ian Ralph S.
BS Architecture – 2C

Submitted to:
Ar. Maria Lerma Kariz H. Tan

A research submitted in partial fulfillment of the requirements of Bachelor

of Science in Architecture

February 19, 2021

 TABLE OF CONTENTS
INTRODUCTION………………………………………………………………1

EXAMPLE OF SAVINGS BANK

1. Caixa Economica Federal…………………………………………...2

2. Sparkasse…………………………………………………………..2 –
3
3. Trustee Savings Bank………………………………………………..3
4. BPI Family Savings Bank……………………………………………4
5. RCBC Savings Bank……………………………………………..4 – 5
6. China Bank Savings……………………………………………..5 – 6

INSIDE OF A SAVINGS BANK………………………………………….6 - 9

INTRODUCTION

A savings bank is a financial institution that gathers savings, paying interest or

dividends to savers. It channels the savings of individuals who wish to consume less
than their incomes to borrowers who wish to spend more. This function is served by
the savings deposit departments of commercial banks, mutual savings banks or
trustee savings banks (banks without capital stock whose earnings accrue solely to
the savers), savings and loan associations, credit unions, postal savings systems,
and municipal savings banks. Except for the commercial banks, these institutions do
not accept demand deposits. Postal savings systems and many other European
savings institutions enjoy a government guarantee; savings are invested mainly in
government securities and other securities guaranteed by the government.

Savings banks frequently originated as part of philanthropic efforts to

encourage saving among people of modest means. The earliest municipal savings
banks developed out of the municipal pawnshops of Italy. Local savings banks were
established in the Netherlands through the efforts of a philanthropic society that was
founded in 1783, the first bank opening there in 1817. During the same time, private
savings banks were developing in Germany, the first being founded in Hamburg in
1778.

The first British savings bank was founded by Henry Duncan in 1810 as a
Savings and Friendly Society by a pastor of a poor parish; it proved to be the
forerunner of the trustee savings bank. The origin of savings banking in the United
States was similar; the first banks were nonprofit institutions founded in the early
1800s for charitable purposes. With the rise of other institutions performing the same
function, mutual savings banks remained concentrated in the northeastern United
States.

Many people choose to put their money to savings bank because it has a low
interest and also it is a safe avenue for your funds, you can save them there or
withdraw it whenever you want. And more importantly, putting your money in the
savings bank will help your family in the future.
EXAMPLE OF SAVINGS BANK

1. Caixa Economica Federal (Federal Savings Bank)

Caxia Economica Federal is a Brazilian bank located in the nation's capital,

Brasília. It is the largest 100% government-owned financial institution in Latin
America. It is the third largest bank in Brazil in terms of assets and one of the five
largest in Latin America. It aims to promote citizenship and sustainable development
throughout the country. In particular, CEF finances projects and programs in the
infrastructure, housing and sanitation sectors.

2. Sparkasse
 The German Savings Banks Finance Group (Sparkassen - Finanzgruppe) is
the most numerous sub - sector with 431 savings banks using the Sparkasse brand.
Savings banks in German-speaking countries are called Sparkasse (Sparkassen).
They work as commercial banks in a decentralized structure. Each savings bank is
independent, locally managed and concentrates its business activities on customers
in the region in which it is situated. In general, savings banks are not profit oriented.
Shareholders of the savings banks are usually single cities or numerous cities in an
administrative district. As banks under public law Sparkassen have a public mandate
which requires that they serve their local stakeholders and local communities.

3. Trustee Savings Bank

The Trustee Savings Bank (TSB) was a British financial institution. Trustee
savings banks originated to accept savings deposits from those with moderate
means. Their shares were not traded on the stock market but, unlike with mutually
held building societies, depositors had no voting rights; nor did they have the power
to direct the financial and managerial goals of the organization. Directors were
appointed as trustees (hence the name) on a voluntary basis.

The first trustee savings bank was established by Reverend Henry Duncan of
Ruthwell in Dumfriesshire for his poorest parishioners in 1810, with its sole purpose
being to serve the local people in the community.
 4. BPI Family Savings Bank

Bank of the Philippine Islands is a universal bank in the Philippines. It is the

first bank in both the Philippines and Southeast Asia. It is the fourth largest bank in
terms of assets, the second largest bank in terms of market capitalization, and one of
the most profitable banks in the Philippines. The bank has a network of over 900
branches in the Philippines, Hong Kong and Europe, and more than 3,000 ATMs and
CDMs (cash deposit machines). BPI was founded during the Spanish colonial era of
the Philippines as “El Banco Español Filipino de Isabel II”. It provided credit to the
National Treasury and printed and issued the Philippine peso fuerte, a precursor to
today's Philippine peso.

5. RCBC Savings Bank

 Rizal Commercial Banking Corporation (RCBC) is the financial flagship
company of the Yuchengco Group of Companies (YGC), one of the oldest and
largest conglomerates in the Philippines covering businesses which include banking,
insurance, construction, and education. The RCBC group is able to provide a wide
scale of services through its thrift bank, investment bank, foreign exchange
brokerage house, leasing company, and overseas remittance companies. RCBC is
among the top largest private domestic banks in terms of Assets, with 332 branches
and 1,117 ATMs all over the Philippines.

6. China Bank Savings

China Bank Savings (CBS) is the retail lending arm of China Banking
Corporation (China Bank) and one of the largest savings banks in the country today.
CBS began operations on September 8, 2008 following the acquisition of Manila
Bank by China Bank in 2007. Subsequent mergers with Unity Bank and Planters
Development Bank have bolstered CBS’ position as a leading thrift bank in the
industry. With 158 branches nationwide and a strong platform for retail banking,
auto, housing, teachers, and enterprise finance, CBS is dedicated to servicing the
needs of entry-level customers, the broad consumer market, and the strategic Small
and Medium Enterprise (SME) sector. CBS is committed to promoting financial
inclusiveness, and uplifting the quality of consumers and entrepreneurs in line with
its Easy Banking for You brand of service.
 China Bank Savings provides value-enhancing, customer-driven solutions
through your preferred channels: Deposits and Placements, Consumer Finance,
Housing Finance, Auto Finance, SME Finance, ATM and Payroll Services, Cash
Management Services, APD Salary Loan and Mobile App.

INSIDE OF A SAVINGS BANK

 Lobby

A lobby is a space from which one or more other rooms or corridors can be
accessed, typically found near the main entrance to a building. It may be used for
access, circulation, or as a waiting area, and is derived from the latin ‘lobium’,
meaning a covered walk, or portico. A lobby may be referred to as a vestibule,
anteroom or foyer.

The word lobby can also be used specifically to refer to a large space adjacent to
a legislative chamber where 'lobbying' may take place (that is, attempting to
influence members of the legislature).
  Teller / Cashier

Tellers are responsible for handling customer transactions and helping with
account related inquiries at banks. This most typically includes processing account
deposits and withdrawals for a variety of account holders. Some tellers are also
responsible for other banking services, including creating accounts, managing safety
deposit boxes, and helping customers order replacement checks.

Cashier’s duty is assisting customers with daily cash inquiries which includes
accepting credit slips, sorting of checks, and ensuring a balance in all transactions at
the end of the working period. Other tasks they perform are handling complaints and
requests from customers and resolving the issues.

 Loan Division
 Loan Officers evaluate and authorize approval of business, real estate, or credit
loans. They are specialists at evaluating the financial status of a loan applicant.
Duties include updating account records and reviewing loan files. They work for
commercial banks, mortgage companies or credit unions.

 ATM (Automated Teller Machine)

An automated teller machine (ATM) is an electronic banking outlet that allows

customers to complete basic transactions without the aid of a branch representative
or teller. Anyone with a credit card or debit card can access cash at most ATMs.

 Cash Vault
 Cash kept on hand in a depository institution's vault to meet day-to-day
business needs, such as cashing checks for customers; can be counted as a portion
of the institution's required reserves.

 Records Vault

A records vault is a secure space where valuables, records, and documents

are stored. It is intended to protect their contents from theft, unauthorized use, fire,
natural disasters, and other threats, much like a safe.
REFERENCES:

Savings bank. (2020, October 28). Retrieved February 19, 2021, from
https://en.wikipedia.org/wiki/Savings_bank

German public BANK. (2021, February 18). Retrieved February 19, 2021, from
https://en.wikipedia.org/wiki/German_public_bank

Caixa Econômica Federal. (2021, February 05). Retrieved February 19, 2021, from
https://en.wikipedia.org/wiki/Caixa_Econ%C3%B4mica_Federal

Trustee savings Bank. (2021, February 09). Retrieved February 19, 2021, from
https://en.wikipedia.org/wiki/Trustee_Savings_Bank

Bank of the philippine islands. (2021, February 02). Retrieved February 19, 2021, from
https://en.wikipedia.org/wiki/Bank_of_the_Philippine_Islands

Rizal commercial Banking Corporation. (2021, January 14). Retrieved February 19, 2021,
from https://en.wikipedia.org/wiki/Rizal_Commercial_Banking_Corporation

Lobby. (n.d.). Retrieved February 19, 2021, from

https://www.designingbuildings.co.uk/wiki/Lobby#:~:text=A%20lobby%20is%20a
%20space,main%20entrance%20to%20a%20building.&text=A%20lobby%20may
%20be%20referred,a%20vestibule%2C%20anteroom%20or%20foyer.

Vault cash definition. (n.d.). Retrieved February 19, 2021, from

https://www.nasdaq.com/glossary/v/vault-cash

Bank vault. (2021, January 24). Retrieved February 19, 2021, from
https://en.wikipedia.org/wiki/Bank_vault