Use BookMyEssay:Retail Banking Assignment Help

Also recognized as personal banking or consumer banking, retail banking is banking that proposes financial services to many individual consumers in place of businesses. This is a method for an individual consumer to manage his money, deposit his money, and have a right of entry to credit in a safe and secure process. 

A bank charges rates on interest on these loans and that too at a higher rate compared to what it pays on customer deposits. This is the method by which a bank earns income.

When the matter comes to the industry of banking, then consumers depend on the FDIC or Federal Deposit Insurance Corporation for insuring their bank deposits.

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Types of Retail Banking

Retail banking proposes financial services to families and individuals and here, the 3 vital functions are deposit, credit, and money management.

Retail banks propose consumers credit and with it, they buy cars, homes, and furniture. They comprise auto loans, mortgages, and also credit cards. Credit permits individuals to spend their future earnings.

Retail banks also turn into secure place where people can deposit their money. Certificates of deposit, savings accounts, and various financial products propose an improved rate of return in comparison to keeping the money under the pillows. A bank bases its rates of interest on the rate of the fed funds as well as interest rates of Treasury bonds.

These things keep on rising and falling. Retail banks also permit customers to manage their money with debit cards and checking accounts. A person is not needed to do every transaction with his coins and dollar bills as they can do these things online.

Three Chief Features of the Retail Banking Sector

• Multiple paths of distribution, like the internet, branch, and call center.
• Multiple products, like insurance, credit cards, deposits, securities, and investments.
• Multiple groups of consumers like small businesses, corporate, and consumers.

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What is Known as Retail Banking?

Retail banking proposes financial services and it comprises different goods and services like the following:

• Automobile financing
• Savings and checking accounts
• CDs or Certificates of deposit
• Credit cards
• Mortgages
• Remittance services and foreign currency services
• Lines of credit, like HELOCs (home equity lines of credit) besides various personal credit products.

At times, retail banking clients are proposed some services commonly via another division like:

• Insurance
• Private banking
• Wealth management
• Stock brokerage

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