RETAIL BANKING V/S CORPORATE BANKING

RETAIL BANKING V/S CORPORATE BANKING

195   07-May-2018, Mon

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

CAMELS Rating System - All you need to know

CAMELS Rating System - All you need to know

1699   07-May-2018, Mon

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

MASALA BONDS

MASALA BONDS

159   07-May-2018, Mon

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

LIST OF COUNTRIES & THEIR CENTRAL BANKS

LIST OF COUNTRIES & THEIR CENTRAL BANKS

248   06-May-2018, Sun

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

Shadow Banking: All You Need to know

Shadow Banking: All You Need to know

140   05-May-2018, Sat

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

Special Drawing Rights (SDR)

Special Drawing Rights (SDR)

105   05-May-2018, Sat

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

Inflation - Types, Causes, Measurement and Effects

Inflation - Types, Causes, Measurement and Effects

474   30-Apr-2018, Mon

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

Green Banking

Green Banking

115   30-Apr-2018, Mon

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

EXIM BANK

EXIM BANK

362   26-Apr-2018, Thu

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.

LIBOR and MIBOR

LIBOR and MIBOR

148   26-Apr-2018, Thu

INTRODUCTION TO BANKING:

In simple and easy language banking is an institution which deals with the activity of accepting deposits from the clients and lending this money to the borrowers. To accept deposit and lend it to the borrowers is a traditional activity along with this now a days banks are doing different types of banking activity.

But, all in all the banking is mainly divided two types i.e.

A) Retail banking

B) Corporate banking

 

RETAIL BANKING:

a) Retail banking is a part of bank that directly deal with consumers or individuals, located in the nearby city

b) Retail banking is an activity done by bank with the customers face to face.

c) Retail banking is clear or visible face to the consumer.

d) Retail banking is also named as Consumer banking or Personal banking.

e) Accounts (savings and current), wealth management, certificates of deposits, guaranteed investment certificates on residential and investment properties, automobile financing, stock brokerage, private banking, debit & credit cards, types of loans, retirement planning, insurance, foreign currency and remittance services, different types of loans, certificate of deposit, etc.

f) For retail banking, customer deposit is the most important source of fund.

g) Retail bank makes profit from the interest margin of the lender and borrower transaction.

 

CORPORATE BANKING:

a) Corporate banking only provide services to the large business corporations and business groups.

b) Corporate banking first used in United States of America to differ it from the investment banking.

c) Corporate banking is also known as Business banking.

d) In short corporate banking is a one type of segment that caters service to the range of clients from big corporate firm to mid-scale company.

e) Corporate banking earn profit from interest and fees they charge for services.

f) Corporate banking provide services like saving account, current account, loan facility like secured and unsecured and credit facility to corporates.

g) Providing credits to businesses, providing loans and other credit products, commercial real estate, savings and current accounts, trade finance, equipment lending, employer services, derivatives, custody, treasury and cash management, foreign exchange, and other services tailor-made for corporates.

 

Difference between Retail banking and corporate banking

BASIS

RETAIL BANKING

CORPORATE BANKING

Number of clients

Large number of clients

Small number of clients as compare to retail banking.

Cost

Low processing cost

High processing cost

Relationship

Medium level of relations

High level of relations

Transactions

lower value transactions

Higher level value transactions

 

CONCLUSION:

Both corporate and retail banks are important to global and domestic economies. The customer deposits brought in through retail banking enables banks to provide loans to business customers. For their part, corporate banks make loans available to businesses, thereby contributing to expansion of economy.

All in all, both retail and commercial banks are important for the smooth functioning of economy. A lot of large banks have special divisions to handle retail and corporate banking. Both are profitable for most banks. Both offers services related to the segment oriented. They design service keep in mind the need of the clients.


Top