Hi,
Bank Area is the controlling organisational entity within IHC, which would normally represent the independent account management within it. Normally Bank area represents an indepent IHC entiry which serves as a virtual bank, dealing with Central Payments, Internal payment and external payment.
I would understand you need to create multple bank areas if there are different IHC entities, operating independently of each other within your organisation.
So the question I would like to ask is why you would ned to establish the "levels" by creating multiple bank areas, rather than looking at the assigning different Products/Naming Convention of Current accounts to help distinguish them.You could also look at the Account hierarchy to establish the releationship within current acconnts of IHC.
Please comment if you like
cheers
taro