what is the concept of delegation and accountability in banks?

Delegation is the assignment of responsibility or authority to another person (normally from a manager to a subordinate) to carry out specific activities. In a bank a bank manager can can assign the customer services to authorise the work of subordinates on his behalf. then

accountability is

the quality or state of being accountable; especially : an obligation or willingness to accept responsibility or to account for one's actions. The manager who delegates work will be accountable of the mistakes and troubles that can be caused by his subordinate that he has hiven work to do on his behalf. delagated work is done by a subordinate but reported by the manager. the subordinate will give the manager the work after completion and the manager will report as if he is the one who has done the actual job. all the mistakes involved are accountable to the manager not the junior staff(the actual person who did the job) the delagator will have to check the work done and ensure that all mistakes are corrected before submitting further.

hope this will hint you.