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E.R.

MODEL (CASHIER DEPARTMENT )


JENNIFER CABALUNA ANN CAROLINE CALIXTO FERRY JOY CASAS JENNIFER CATALUA PRINCESS CIPRIANO CARLA MARIELLE CRUZ DONNA MAY DE LA VEGA HAZEL ANNE ESTEBAN MARIEL GATCHALIAN ZERY PERALTA MELANIE VALONES BBF 3-6S

OVERVIEW: Banco De Oro is a full-service universal bank. It provide a products and services to the retail and corporate markets including Lending (corporate, middle market, SME, and consumer), Deposittaking, Foreign Exchange, Brokering, Trust and Investments, Credit Cards, Corporate Cash Management and Remittances. Through its subsidiaries, the Bank offers Leasing and Financing, Investment Banking, Private Banking, Banc assurance, Insurance Brokerage and Stock Brokerage services. Banco De Oro is a member of the SM Group, one of the countrys largest conglomerates with businesses spanning between retail, mall operations, property development (residential, commercial, resorts/hotel), and financial services. Although part of a family conglomerate, BDOs day-today operations are handled by a team of managers and bank officers.

BUSINESS OBJECT TYPES: Cashier : The cashiers role is to interact with the customers face-toface every day. The cashiers are the first port of call for customers and so will need professional and friendly manner to deal with their various transactions and account enquiries. Using a customized computer system, they'll be responsible for many of the bank's day-to-day routine and administrative jobs, working at the frontline to keep the branch running smoothly. Customers: Any person or business wishing to deposit money, or borrow money, or to convert money into a different form of currency. A Customer for a bank is a person who does some business with the bank. The business could be anything like: Depositing cash, Holding accounts, Withdrawing

cash, Use debit or credit cards, Foreign Exchange conversions, Insurance needs, Stock Trading requirements ,etc . Deposits: All deposits must be made by the depositor personally or by his representative by accurately filing out a deposit slip and presenting it, together with the passbook, to the Bank. If the depositor is unable to write for some reason, he must have the form filled-out by any person other than an employee of the Bank. The Bank shall not be liable for losses caused by any and all inaccuracies in filling out the deposit slip. The minimum amount acceptable for subsequent deposit shall be such as may be fixed by the Bank for all savings accounts. Withdrawal All withdrawals must be made by the depositor personally by properly filing out a withdrawal slip and presenting it together with the passbook to the Bank. Withdrawals by a person other than the depositor himself may be allowed only upon the depositor's written authorization which shall be verified by the Bank. The depositor will not be permitted to withdraw from his savings account any amount in excess of the Balance outstanding to his credit as shown by his passbook. Neither will he be permitted to withdraw a sum smaller than the amount fixed by the Bank except when closing the account. No maximum limit is set on the frequency of withdrawals that can be made from one savings account during the calendar month. However, the depositor may be requested to give at least one (1) day written notice in advance of any withdrawal where the interest of the depositor or the Bank so dictates.

Passbook: Upon opening of a savings account, the Bank will furnish the depositor a deposit passbook in which all deposits and withdrawals

made by the depositor will be entered by the Bank. A depositor must, under no circumstances, write anything on the passbook as the Bank will not be responsible for any sum not properly recorded and acknowledged thereon. No entries other than those affected by the Bank itself shall be recorded in the passbook. In the event of any discrepancy between the entries in the passbook and those appearing in the records of the Bank, the latter shall prevail. No deposit or withdrawal will be permitted by the Bank unless the passbook is presented by the Depositor. The savings passbook should be carefully kept by the depositor. If the passbook is lost, mislaid or stolen, the Bank should be immediately notified by the depositor in writing by executing an Affidavit/Declaration of Loss to be duly notarized and submitted to the Bank. Consequently no Affidavit/Declaration of Loss was submitted by the depositor prior to the payment.
Encashment: Checks: A cheque (or check in American English) is a document/instrument (usually a piece of

paper) that orders a payment of money from a bank account. The person writing the cheque, the drawer, usually has a current account (British and HK), or checking account (US), or chequing account (CAN) where their money was previously deposited. The drawer writes the various details including the money amount, date, and a payee on the cheque, and signs it, ordering their bank, known as the drawee, to pay that person or company the amount of money stated. Cheques are a type of bill of exchange and were developed as a way to make payments without the need to carry large amounts of gold and silver. While paper money evolved from promissory notes, another form of negotiable instrument, similar to cheques in that they were originally a written order to pay the given amount to whomever had it in their possession (the "bearer").
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Cashier to customers

** For a bank cashier can have one or more number of customers. In particular, it is not possible that there is no customer in a cashier. A customer can transact to one cashier per transaction. A cashier will also transact to one or more customers. It is possible that the cashier will not be assigned to any customers. Customers to deposits **All deposits must be made by the depositor personally or by his representative by accurately filing out a deposit slip and presenting it to the Bank. A customer can have several deposits. It is also possible that a customer will not have any deposit. Customers to passbook ** The Bank will furnish the customer a deposit passbook in which all deposits and withdrawals made by the customer will be entered by the Bank. A depositor must, under no circumstances, write anything on the passbook as the Bank will not be responsible for any sum not properly recorded and acknowledged thereon. A depositor may have one or more passbook; it is possible that a certain customer has no passbook. Conversely, a passbook is owned by one and only one depositor. Customers to checks ** A customer can issue many checks and it is also probable that the customer will not issue any check. Conversely, a check can only be issued by one depositor. Customers to withdrawals ** All withdrawals must be made by the depositor personally by properly filing out a withdrawal slip and presenting it together with the passbook to the Bank. Withdrawals by a person other than the depositor himself may be allowed only upon the depositor's written authorization which shall be verified by the Bank. The depositor will not be permitted to withdraw from his savings account any amount in excess of the balance outstanding to his credit as shown by his passbook. Neither will he be permitted to withdraw a sum smaller than the amount fixed by the Bank except when closing the account. It is possible that the customer will not withdraw money from his account. Checks to encashment ** Customers to Utilities

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Business Constraints:
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If the Bank fails to realize the value of the item by reason of the loss or forgery or any other cause of dishonor, the Bank is entitled at any time to charge back the amount credited or demand reimbursement from the depositor of such amount. Maximum withdrawal per day: P50,000 or five times per day (whichever comes first) The depositor will not be permitted to withdraw from his savings account any amount in excess of the Balance outstanding to his credit as shown by his passbook. Neither will he be permitted to withdraw a sum smaller than the amount fixed by the Bank except when closing the account.

Business Constraints: All deposits must be made by the depositor personally or by his representative by accurately filing out a deposit slip and presenting it to the Bank All withdrawals must be made by the depositor personally by properly filing out a withdrawal slip and presenting it together with the passbook to the Bank. Withdrawals by a person other than the depositor himself may be allowed only upon the depositor's written authorization which shall be verified by the Bank. A depositor must, under no circumstances, write anything on the passbook as the Bank will not be responsible for any sum not properly recorded and acknowledged thereon. The depositor will not be permitted to withdraw from his savings account any amount in excess of the Balance outstanding to his credit as shown by his passbook. Neither will he be permitted to withdraw a sum smaller than the amount fixed by the Bank except when closing the account.

E.R. MODEL
CASHIER
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CUSTOMERS

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PASSBOOK (account name, account no. etc.)

WITHDRAWALS

DEPOSITS UTILITIES

CHECKS

ENCASHMENT