[id62000]

For starting a normal bank, basically a huge capital is needed.
For eg. In India it's estimated to be a minimum of Rupees 6 Crores.
Getting a license is easy, once you have enough money, you can get it done through agents. The next step would be to register with the RBI (Reserve Bank of India), and it would be necessary taht you deposite the 6 crores in RBI under the name of your bank.
With this, basically you own a bank in India. In each district you're setting out an outlet, you need to get the registration again done, again through agents.
Well, basically, you won't be able to touch the 6 crores again, so you'll need extra funds to start business, getting people to deposit, finding the right people to lend it to etc.
Whatever money you get, about 5-10% should be put away in forms like gold, etc. The rest should be for loan and other purposes. Only 5% should be invested in stocks and stuff.

As for employees, usually a private bank does not directly employ people, mainly because if a bank has more than 30 direct employees, they need to be given permanent jobs. And this will give rise to troubles in the future.
So, most of the work in a pvt bank is done through agents.

Setting up a bank is easy once you have the capital and influence, but maintaining it should be done carefully. Customers should be carefully picked.