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ESTABLISHING NEW BANKS,
BRANCHES, ATMS, TELEPHONE
SERVICES AND WEB SITES
Dr Kyar Ngon Sann
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Options for Financial Firms
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• In US, a new one have to express the approval of federal
or state authorities
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• The banking commissions in each state and the OCC can
issue a charter of incorporation
• Can choose federal or state charter
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Choosing Locations and Designing New
Branches
• Branches are much cheaper and less capital are required
• Application is less detail and less duplication of staff
• Location, design and service depend on the preference of
customers, secondly, management and employees
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ATMs
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