Select Goal &
City
Select Goal
Write a ReviewGet Upto ₹300*
Explore
Explore More
review_banner
Study AbroadCourse Finder
    No Data Found

What Does A Banker Do: Job Roles, Responsibilities, Top Recruiters, Required Skill set and Salary

Ahana Bhaduri's profile photo

Ahana Bhaduri

Content Writer | Updated 3+ months ago

MBA Banking And Finance Latest Updates

16 Feb, 2026 Subject-Wise Schedule of CUET PG 2026 has been released. Click to Download 

12 Feb, 2026 Registration has been started for MBA and MCA programs from 12th Februrary 

28 Jan, 2026 CUET PG Syllabus Out on the Official Website; Download PDF here

28 Jan, 2026 The OJEE 2026 application process started on 28th January and will end on 22nd March, 2026. Check Here

08 Jan, 2026 JEECUP application dates have been released. Application from 15th January to 30th April, 2026. Check Here. 

05 Jan, 2026 PESSAT 2026 registration has been started @admissions.pes.edu. Apply Here 

05 Jan, 2026 KMAT 2026 (Session I) has been postponed to 22 February 2026. Check Here 

03 Jan, 2026 SAAT 2026, the 17th edition of this entrance test, will be conducted in online format. Check Here 

03 Jan, 2026 Karnataka PGCET Exam Dates released for MBA,MCA,M.E./M.Tech. Check Dates Here

30 Dec, 2025 MAT registrations begin for Feb 2026 exam. Apply by 23rd Feb (PBT) and 2nd March (CBT). Check here  

23 Dec, 2025 MAH MBA CET 2026 exam will be held from 6th April – 8th April 2026. 2nd exam will be conducted on May 9, 2026. Check Here 

22 Dec, 2025 Online application for FDDI AIST 2026 will open from 1st January 2026. The exam will be held on 10th May 2026. Check Here 

15 Dec, 2025 HPCET 2026 exam schedule has been released. Exam will be held on 10th May 2026 for UG & PG Courses. Check Here 

In the last six years, the Indian banking sector has witnessed a substantial progress as a result of which people are becoming more financially literate. In order to become a Banker, candidates must complete their Undergraduation in relevant subjects followed by clearing the various banking entrance exams such as IBPS, SBI SO, SBI PO etc.

The major jobs of a Banker key include sanctioning loans, inducing customer to open savings and deposit accounts, managing taxes etc. Other than these some of the other crucial duties of a Banker include, authorising overdrafts and loans post evaluation, handling transactions such as writing cashier checks or money orders when necessary. Bankers are also responsible for recommending and explaining clients' banking services and products as per their needs. Also Check: Salary of a Banker

Candidates aspiring to study further can also choose to pursue MBA in relevant streams such as MBA Banking or MBA Finance or MBA Marketing for building a career as a Banker. Other than this there are several Undergraduate and Postgraduate Banking Courses that can be pursued in order to become a banker.In order to make a Career as a Banker in India, one needs years of education, dedication, financial knowledge, hard work, and drive. 

Check: 

How to Become a Banker after 12th  Government Jobs for Bankers

Who is a Banker

A banker is a person who performs banking tasks such as accepting deposits, lending money, withdrawing funds, and exchanging money. 

  • In other words, a Banker is someone who works directly in the banking industry. A banker is in charge of all of the bank's operations.
  • A banker is someone who is in charge of running a bank or who is in charge of the banking industry.  
  • A banker is a person who engages in direct banking activity. 
  • A banker is a responsible for taking care of various baking duties such as clearing cheque, giving loans, educating customers about investments etc. 
  • On behalf of the bank, the banker engages in activities with the consumer.

Check: Diploma in Banking and Finance

What Does a Banker do

Some of the crucial duties that are performed by a banker are listed below for your reference,

  • Personal bankers operate in retail banking locations and help customers with a wide range of banking and financial issues. 
  • Opening checking and savings accounts, acquiring home and vehicle loans, and investing in banking products such as CDs, money markets, and other commercial banking products are examples of such requirements. 
  • They might also be able to assist the customer with retirement or college planning.
  • Personal bankers work mostly with common people, and Investment Bankers work primarily with institutional investors.

Check: Investment Banker Salary in India

Roles and Responsibilities of a Banker

A banker has several broad obligations in addition to their day-to-day activities. Assessing a client's financial situation, offering bank programs, and monitoring the client's finances to assist in the efficient operation of the financial institution are just a few of the obligations that a banker must handle. Some of these are mentioned below.

Client Assistance

  • A banker's primary responsibility is to serve consumers who require financial services.
  • Bankers keep visiting the consumer to establish what kind of help he requires. Assisting the customer might entail getting a student loan for him, for example. 
  • Bankers are responsible for determining their clients bank's ability to meet the customer's financial needs, you must review his financial history.

Check: MBA Banking and Finance

Records Maintenance

  • A Banker keeps precise and full records of your institution's financial transactions. 
  • It requires recording all account payments and reconciling bank records at the end of the day. 
  • Bank statements and loan applications, for example, require correct filing and updating.
  • Keeping records in the appropriate order allows you to readily recover them when you need them in the future.

Check: Diploma in Accounting Management

Account Management

  • As a banker, you'll be responsible for aiding clients in managing their accounts.
  • Furthermore, account management comprises assisting a consumer in opening or closing his account if he so desires. 
  • Another vital job in supporting clients with account management is reviewing their financial histories and advising them of any account packages. 
  • You do not divulge a client's financial situation to anyone without his permission, as required by your bank's contract. 
  • One exception is if you are required to testify in court if your client is charged with treason or in the event of a national emergency.

Check: How to Become an Accounts Manager

Product Services

  • As a banker, you'll be responsible for implementing new services, processes, and products by senior management's instructions. 
  • Clients want you to notify them of new items or services as soon as they become available. 
  • Your bank, on the other hand, wants you to sell these goods to your customers. 
  • You'll also be selling these items to new clients. 
  • Knowing the aspects of your bank's products or services will help you sell more effectively.

Skills Required to Become a Banker

Personal banker, investment banker, corporate banker, and banking analyst are all possibilities. These are some important skills that every banker, regardless of concentration, should have.

Attention to Detail Problem Solving
Personable Attitude Good Communication
Discipline Technological Skills

Check: List of Top Banking Colleges In India

Top Banker Recruiters

Below we have provided a tabulation of the top recruiting firms that hire bankers:

Standard Chartered HDFC Asset Management Company
DSP Merrill Lynch SBI Capital
GE Caps Reserve Bank of India
IDBI Capital Markets Royal Bank of Scotland
Deutsche Bank American Express
Citi Bank IFCI Financial Services

Check: BCom in Banking and Finance Course

Salary of a Banker in India

  • A banker's remuneration in India is determined by their performance and rapport with their clients. 
  • Bankers who work for the RBI not only get a nice income, but they also get a lot of other benefits. 
  • At the outset of their career, a banker's typical compensation in India ranges from INR 4,00,000 to INR 6,00,000. 
  • However, with sufficient experience and professional advancement, a banker's pay can exceed INR 10,000,000.

The average starting salary of bankers as a freshers are as tabulated below:

Sources Average Monthly Salary
Indeed INR 19,520 
Glassdoor INR 26,036
Pay Scale INR 27,560

Check: BCom Banking Management Course

What Does a Banker do: FAQs

Ques. Is it true that bankers make a lot of money?

Ans. Investment bankers are not nearly as well compensated per hour. Because most analysts and associates work more than 100 hours a week, their hourly wages might range from INR 1,939 to INR 2,714. That's not awful, but it's not as wonderful as INR 77.58 LPA.

Ques. Is a banker a good job?

Ans. Anyone interested in personal finance, business, or arithmetic would be well-suited for a career in banking. Banks often offer excellent perks, growth chances, and a pleasant working atmosphere. There is also a range of occupations available, including customer-facing tasks as well as analytical responsibilities.

Ques. Why are bankers so rich?

Ans. Investment bankers make a lot of money by selling firms for a lot of money and earning a lot of money in the process while investing very little.

Ques. How can I be good at banking?

Ans. Be authentic in your curiosity so that your customers know you genuinely want to learn about them. Determine what your customer's financial goals are. Inquire about existing bank products and services, both at your bank and at competitors.

Ques. What should I study to work in a bank?

Ans. Although most banks provide on-the-job training for bank tellers, it is also beneficial to enroll in a university or college course in banking, commerce, business, accounting, or management.

Master of Business Administration [MBA] (Banking and Finance) : 17 answered questions

VIEW ALL

Ques. What is the difference between PGDM BFSI and PGDM Finance at IMT Ghaziabad ?

● Top Answer By Sreetoma Gupta on 04 Jun 23

Ans. The emphasis of the curriculum distinguishes the IMT Ghaziabad PGDM Finance programme from the full-time PGDM program. A general management education, including instruction in marketing, finance, operations, and strategy, is provided via the full-time PGDM programme. The program's participants will enroll in a range of business-related courses. On the other side, the PGDM Finance programme specialises in finance and related fields. With the option to specialise in fields including corporate finance, investment banking, and financial analysis, students in this programme will take courses that are highly focused on accounting and finance.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. What should be preference order of IMT Ghaziabad courses- PGDM, PGDM marketing, PGDM finance, PGDM DCP, PGDM banking, insurance and financial services?

● Top Answer By Dhruv Chatterjee on 25 Jan 23

Ans. IMT Ghaziabad offers a variety of courses that cater to various specializations. These courses have been listed and explained in their order of preference PGDM Marketing/PGDM Full Time (Marketing): This is the most coveted program among IMT students mainly because today its alumni have acquired top positions in big firms. Other major reasons include top-notch faculty, great internship and placement opportunities in terms of role and CTC, IMT’s eligibility, and excellent performances in recognized marketing and strategy B Schools competitions. PGDM Finance/PGDM Full Time (Finance): This one is most suitable for aspirants who are interested in Finance. However, this program offers lesser opportunities than the Marketing program in terms of role and CTC.  PGDM Full Time (Operations): This program offers opportunities similar to that of Finance. But the batch size of PGDM Operations is smaller than PGDM Finance, so it may be easier to secure an internship/final placement, but the opportunities come less compared to Finance. PGDM DCP: DCP or the Dual Country Program is for those who are keen to get international exposure. Compared to an MBA from a foreign university, this program is cheaper and yet offers an opportunity to explore a different culture and learn to make decisions in an international context. This is best suitable for those who are in the Marketing domain. PGDM Banking and Financial Services (PGDM-BFS): This program was launched in 2019 and is relatively newer. It targets the core Banking and Finance sector. While the MBA program aims to provide a holistic view of management, this program solely focuses on Banking and Finance. PGDM Full Time (HR): This is the least taken course and offers very less in terms of opportunities. The courses have been arranged preference-wise so will make it easy for you to choose one.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. Which course in TAPMI is better, the core PGDM, the HRM, or BKFS?

● Top Answer By Divya Kaur on 02 May 23

Ans. What's most important is that you enjoy it. The BKFS program is highly specialized and designed to equip students with the tools necessary to succeed in any financial-related field. The PGDM's first year emphasizes variety over specialization. Two years into the program, you'll have the option to focus on either Marketing, Operations, or Finance. It's up to you to determine the kind of career you want to have. Everything in the new system will be up to the individual, replacing both the major and minor systems. Although the HR course is brand new, it will be just as rigorous and cover the same ground as other courses.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. What's the difference between TAPMI core pgdm and bkfs?

● Top Answer By Vihan Manjunath on 28 Aug 20

Ans. The difference between PGDM and PGDM-BKFS is that PGDM is the general MBA program and the course curriculum comprises all fundamental and cross-sectional areas of management while the course curriculum of PGDM-BKFS is tailor-made for Finance. In the first year for PGDM students are required to study various management-related subjects like Marketing, Finance, HR, and Operation. However, the BKFS course only includes Finance related topics. TAPMI offers good infrastructure for BKFS. The institute has the largest state-of-arts finance lab in the country with 16 Bloomberg terminals. TAPMI also offers a unique Student Managed Investment Course (SMIC) for the finance stream in which BKFS students work in teams and each team has a mentor from industry currently working in the BFSI Sector. Also, unlike the traditional internship that PGDM students go through the BFS cohort had a two-month study tour in Bombay Stock Exchange where the students had their live projects. Given below is a comparison between the two courses. Categories PGDM PGDM-BKFS Course Name Post Graduate Diploma in Management Post Graduate Diploma in Management - Banking and Financial Services Intake 360 60 Course Fee 14.3 lakh (2 years) 14 Lakh (2 years) >Highest Salary Package 25 LPA 25 LPA Average Salary Package 11.50 LPA 12.75 LPA Recruiting Companies Alien Technology, Arcesium, Wipro, Capgemini, ITC, HCL, etc. Axis Bank, Yes Bank, HSBC, etc.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. Which school is better, MDI Gurgaon or IIM K, if I want to be an equity research analyst?

● Top Answer By Yash Gupta on 22 Feb 23

Ans. If you go to the official website and compare the placement reports, MDI Gurgaon fares better than IIM Kozhikode. Let’s have a look at the placement statistics of the 2 B Schools.   Particulars  MDI IIM Kozhikode  Number of Recruiters  87 116 Highest CTC INR 1.14 CPA INR 61.5 LPA Average CTC INR 26.65 LPA INR 29.5 LPA Top Recruiters  Microsoft, Google, HCL, Adobe Accenture, Amazon, Microsoft The best finance companies that offer roles like Equity Research Analyst roles, and Securities analysis visit both the B Schools. But the higher number of companies visiting MDI Gurgaon gives it a slight advantage over IIM Kozhikode. Yet I think both MDI Gurgaon and IIM-K are almost equal in terms of giving you the opportunity of getting an Equity Research Analyst role. If I was in your place I would have chosen MDI Gurgaon because of the following factors Location Infrastructure  The industry-academia relationship Live Projects Guest Lectures Corporate Talks Peer learningRead more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. Which is better, a PGDM in banking and financial services at IMI, Delhi or a PGDM general in LBSIM, Delhi?

● Top Answer By Rajan Patel on 03 Mar 23

Ans. I can speak with certainty that PGDM at LBSIM is a far better option than PGDM in Financial services at IMI Delhi. My brother is a recent pass out from LBSIM and the following highlight of the institute are based on his personal experiences  The IIRF ranks LBSIM 25th among private colleges It has a spectacular ROI in terms of placements and fees LBSIM is famous for its student culture You can get an insight into various angles of the industry you will be dealing with in the future  You can avail an abundance of opportunities through live projects and get to have a detailed experience in your specialization. The institute prioritizes a practical approach over theoretical knowledge through academic activities outside the classroom Various academic and non-academic clubs make the environment a friendly one  The institute boasts of a 100% placement record It has an elaborate alumni network that is spread across top companies like Big Four’s, Arcesium, Marsh & Mclennan, Asian Paints, Crisil LBSIM collaborates with various international universities for its student exchange program. Some of them include Nanyang Technological University, Singapore, Northern Illinois University, USA, European Higher School of Economics and Management, Bulgaria etc. A unique feature of the B School is its Bloomberg Terminal which is restricted to the top B Schools like IIM B, IIM C, and FMS only. All these points clearly state that LBSIM is a very good choice for a PGDM program.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. Which is better LBSIM, Delhi PGDM (general) or IMI, Delhi PGDM (B&FS)?

● Top Answer By Amay Singh on 03 Mar 23

Ans. PGDM BFS is a viable option if you are keen about numbers and finance in general. PGDM core and PGDM BFS rarely has a major difference in curriculum except that marketing subjects of BFS would be less intriguing and the major pedagogy is directed towards marketing of finance products and services only. A PGDM core student is open to a plethora of opportunities during placements as he is eligible to appear for companies offering marketing and sales profiles. On the contrary, a PGDM BFS student has been exposed to a customized curriculum that focuses mainly on Finance and lacks a wide range of opportunities. However, he has a more definite chance of securing placement at a company offering Finance roles like Banks and other financial institutions. This advantage seems very minimal right now but with the increase in the relevance of the curriculum and demand of the course, it will soon be coveted among Finance aspirants. The BFS faculties are considered to be among the best given the excellent performance of BFS students in the recent years and the increasing popularity of the course. The companies visiting the campus for BFS are not only banks but include AMCs, NBFCs, FinTechs and other Fin Services firms. The course targets the entire Banking and Finance sector.  At the end of the day, what remains of your college life is not the specific course you chose but the college you chose to pursue it. Be it PGDM Core or PGDM BFS, IMI Delhi is the perfect college to experience a great college life.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. What should be the preference order of IMI Delhi courses - PGDM, PGDM-HRM, and PGDM-BFS?

● Top Answer By Churni Sengupta on 31 Oct 20

Ans. IMI Delhi is among the top B schools of Delhi NCR. It holds a distinct reputation for the establishment of centers of excellence in different streams of management. The faculty is experienced and well qualified. Pre-placement offers are also a dominant feature of the institute. Apart from placements it has attractive internship statistics also relating to better career growth. It offers streams in three major areas which are General, Human resources, and Banking & Financial Services. All these streams are linked to a single program which is PGDM but the decision underlining preference depends on factors like fees and placements, etc which are discussed below. Academics: The eligibility stays the same for all streams which are graduation with CAT/GMAT Score. Fees also stand common for all streams at INR 17.5 Lakhs. Placements: PGDM holds a batch strength of 224 students and generally ends up providing the highest package of INR 22 LPA. The average package is also quite decent with a range of INR 13.07 LPA PGDM HR has 45 students and managed to provide a salary range of INR 12 – 14.5 LPA. PGDM had 48 students with a 100% placement criterion and the highest package of INR 20.75 LPA and an average of INR 12.88 LPA. Sector-wise Placements: The recruitment details can clearly specify the sector & domain which turns out to be favorable with respect to the investment made. The details are as follows. PGDM Banking is a preferable sector as it attracts 29% of the placements. HR is looked upon for the IT/ITES / Media / TELECOM sector. The top recruiters for the BFSI sector are American Express, ICICI Bank, HDFC Bank, Tata Capital, and SBI Capital The top recruiters for the HR sector are Accenture, Infosys, Genpact, Capgemini. Going for PGDM General can give an opportunity to focus on manufacturing / real estate and the FMCG sector. The general preference of courses looked upon by potential students and alumni are PGDM Marketing then Banking and at last Human Resources.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. How good in PGDM (B&FS) at IMI Delhi in terms of quality and placements?

● Top Answer By Kritika Jha on 26 Oct 20

Ans. International Management Institute has been ranked 9th and 28th for private MBA by Outlook and NIRF respectively. The college offers Post Graduate Diploma in Management in Banking & Financial Services as a two-year course. The fees for the course is 17.68 lakhs for the full period. Infrastructure & Facilities The college is built over a 3-acre campus and is home to a well-equipped library which includes journals, study material, magazines, and various e-learning facilities.  It has separate boys and girls hostels. The college has sporting facilities and sporting grounds available.  Other facilities such as an auditorium, gym, cafeterias, air-conditioned classes, and Wi-Fi are also available to the students. Placements The course has a perfect placement rate of 100%.  Top recruiters include Reliance, Genpact, Accenture, HDFC, and Deloitte.  The average offer received by students of PGDM (BFS) is 12 LPA. The highest package goes up to a whopping 20 LPA. IMI Delhi has been ranked highly among the top private universities in the country. The college has a very active placement cell which aims at providing a perfect placement rate consistently. The return on investment for the course is also extremely good, which makes it a recommendable institute. The curriculum is industry-based providing students with better knowledge for the corporate world.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Ques. Which college is better for Finance among IMT Ghaziabad (PGDM) & TAPMI BKFS?

● Top Answer By Manmeet Singh on 27 Jan 23

Ans. IMT is a well-established college and comparing it to a mediocre college like TAPMI is not justifiable. Of the two, IMT Ghaziabad is clearly a better choice. To explain further I have compared both these institutes on the basis of some parameters like Establishment: Both these institutes were established in 1980 so they carry an equal legacy. Alumni: Despite a similar legacy, IMT Ghaziabad alumni are placed in higher positions and top firms today. The extensive alumni network has opened gates for corporate and industry exposure. IMT Ghaziabad’s alumni comprise more than 300 CXOs. Location: IMT Ghaziabad enjoys a better location advantage over TAPMI Pedagogy: Both the Institutes are AACSB accredited and follow similar curriculums yet there is a stark difference in the quality of education. This is because of the better pedagogy at IMT Ghaziabad than at TAPMI. Faculty: IMT Ghaziabad's teaching methodology is way ahead of that of TAPMI and the credit goes to its excellent faculty with amazing profiles. They have great industry exposure and help the students grasp the concepts practically. Placements: IMT Ghaziabad has an upper hand in this aspect also. This can be explained further through the table below Particulars  IMT Ghaziabad  TAPMI Number of recruiters 130+ 21 Highest CTC INR 62 LPA INR 22.3 LPA Average CTC INR 15.28 LPA INR 15.7 LPA Top Recruiters  Morgan Stanley, BCG, Accenture Consulting, Goldman Sachs, Google, Infosys Consulting, Emami International, TATA Consumer Product  EY, HDFC Bank, HSBC Bank, Tata Capital From the table you can easily infer that the placement scenario is far better at IMT Ghaziabad than TAPMI. In fact in almost all aspects IMT Ghaziabad is way ahead so it’s definitely a better choice than TAPMI.Read more
0
0
1 Answer
●●●
Upvote
Downvote
Report

Comments

No Comments To Show
FEATURED COURSES
Also Visited Courses

Master of Business Administration [MBA] (Banking and Finance) Colleges IN INDIA

View All
SRM Institute of Science and Technology - [SRMIST]
follow

SRM Institute of Science and Technology - [SRMIST]

Chennai, Tamil Nadu
NCTE
MBA/PGDM(2 Yrs)10.0
₹ 4.6 L first year fees
VIEW ALL COURSES & FEES
"Tribhuvan" Sahkari University
follow

"Tribhuvan" Sahkari University

Anand, Gujarat
MBA/PGDM(2 Yrs)9.9
₹ 10.65 L first year fees
VIEW ALL COURSES & FEES
TAPMI Manipal
follow

TAPMI Manipal

Manipal, Karnataka
AICTE
MBA/PGDM(2 Yrs)9.9
₹ 10.35 L first year fees
VIEW ALL COURSES & FEES
Symbiosis School of Banking and Finance - [SSBF]
follow

Symbiosis School of Banking and Finance - [SSBF]

Pune, Maharashtra
AICTE
MBA/PGDM(2 Yrs)9.7
₹ 17.19 L first year fees
VIEW ALL COURSES & FEES
CMS Business School, Jain University
follow

CMS Business School, Jain University

Bangalore, Karnataka
AICTE
MBA/PGDM(2 Yrs)9.6
₹ 13.3 L Total fees
VIEW ALL COURSES & FEES
Amity University
follow

Amity University

Gurgaon, Haryana
AICTE
MBA/PGDM(2 Yrs)9.7
₹ 4.52 L first year fees
VIEW ALL COURSES & FEES
Amity Business School - [ABSM] Manesar
follow

Amity Business School - [ABSM] Manesar

Gurgaon, Haryana
AICTE
MBA/PGDM(2 Yrs)9.6
₹ 4.52 L first year fees
VIEW ALL COURSES & FEES
MIT World Peace University - [MIT-WPU]
follow

MIT World Peace University - [MIT-WPU]

Pune, Maharashtra
PCI
MBA/PGDM(2 Yrs)9.6
₹ 5 L first year fees
VIEW ALL COURSES & FEES

SUBSCRIBE TO OUR NEWS LETTER

COLLEGE NOTIFICATIONS
EXAM NOTIFICATIONS
NEWS UPDATES
TOP COLLEGES
m.b.a
b.tech/b.e
mca
bca
m.tech
ma
ba
TOP UNIVERSITIES
engineering
management
medical
law
commerce
science
arts
Top Exam
cat
gate
jee-main
neet
xat
clat
mat
study abroad
canada
usa
uk
uae
australia
germany
sweden
ireland
new zealand
hong kong
singapore
malaysia
netherlands
italy
other links
about collegedunia
contact us
advertising
career
terms & conditions
privacy policy
Download the Collegedunia app on downloadapp_banner imagedownloadapp_banner image
© 2026 Collegedunia Web Pvt. Ltd. All Rights Reserved