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    Wholesale Banking

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    Ashutosh Saraiya
    Wholesale banking provides high value banking services to large corporations, financial institutions, and other banks, rather than individual consumers. It offers products like lending, foreign exchange, derivatives, deposits, and government securities. Wholesale banking contrasts with retail banking, which provides banking services to individuals and includes products like checking and savings accounts, credit and debit cards, mortgages, and personal loans. Modern wholesale banks engage in activities like underwriting, market making, mergers and acquisitions, and fund management.

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    Wholesale Banking

    Uploaded by

    Ashutosh Saraiya
    640 views3 pages
    Wholesale banking provides high value banking services to large corporations, financial institutions, and other banks, rather than individual consumers. It offers products like lending, foreign exchange, derivatives, deposits, and government securities. Wholesale banking contrasts with retail banking, which provides banking services to individuals and includes products like checking and savings accounts, credit and debit cards, mortgages, and personal loans. Modern wholesale banks engage in activities like underwriting, market making, mergers and acquisitions, and fund management.

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    Wholesale banking provides high value banking services to large corporations, financial institutions, and other banks, rather than individual consumers. It offers products like lending, foreign exchange, derivatives, deposits, and government securities. Wholesale banking contrasts with retail banking, which provides banking services to individuals and includes products like checking and savings accounts, credit and debit cards, mortgages, and personal loans. Modern wholesale banks engage in activities like underwriting, market making, mergers and acquisitions, and fund management.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    640 views3 pages

    Wholesale Banking

    Uploaded by

    Ashutosh Saraiya
    Wholesale banking provides high value banking services to large corporations, financial institutions, and other banks, rather than individual consumers. It offers products like lending, foreign exchange, derivatives, deposits, and government securities. Wholesale banking contrasts with retail banking, which provides banking services to individuals and includes products like checking and savings accounts, credit and debit cards, mortgages, and personal loans. Modern wholesale banks engage in activities like underwriting, market making, mergers and acquisitions, and fund management.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    of 3

    Wholesale banking is the provision of services by banks to the likes of large corporate clients, mid-sized companies, real estate

    developers and investors, international trade finance businesses, institutional customers (such as pension funds and government entities/agencies), and services offered to other banks or other financial institutions. In essence, wholesale banking services usually involve high value transactions. Wholesale banking contrasts with retail banking, which is the provision of banking services to individuals. (Wholesale finance means financial services, which are conducted between financial services companies and institutions such as banks, insurers, fund managers, and stockbrokers.) Modern wholesale banks are engaged in: finance wholesaling, underwriting, market making, consultancy, mergers and acquisitions, fund management.

    Wholesale Banking PRODUCTS:


    Lending Foreign Exchange (Spot & Forward) Derivatives (Fx & Commodities) Deposits Government Securities (T-bills & bonds)

    Products

    A former building society, now a modern retail bank in Leeds, West Yorkshire.

    An interior of a branch of National Westminster Bank on Castle Street,Liverpool

    [edit]Retail Banking product Checking Account Savings Account Money Market Account Certificate of Deposits (CD's) Individual Retirement Accounts (IRA's) Credit card Debit card Mortgages Home Equity Loan Mutual Funds Personal Loan

    [edit]Business (or Commercial) Banking Business loan Capital raising (Equity / Debt / Hybrids) Mezzanine finance Project finance Revolving credit Risk management (FX, interest rates, commodities, derivatives) Term loan Cash Management Services (Lock box, Remote Deposit Capture, Merchant Processing)

    [edit]Risk

    and capital

    RETAIL BANKING
    Retail banking is banking in which banking institutions execute transactions directly with consumers, rather than corporations or other banks. Services offered include: savings and transactional accounts, mortgages, personal loans, debit cards, credit cards, and so forth.

    Types of banking
    Commercial bank has two meanings: Commercial bank is the term used for a normal bank to distinguish it from an

    investment bank. (After the great depression, the U.S. Congress required that banks only engage in banking activities, whereas investment banks were limited to capital markets activities. This separation is no longer mandatory.) Commercial bank can also refer to a bank or a division of a bank that mostly deals

    with deposits and loans from corporations or large businesses, as opposed to normal individual members of the public (retail banking). It is the most successful department of banking. Community development bank are regulated banks that provide financial services and credit

    to underserved markets or populations. Private banks manage the assets of high net worth individuals. Offshore banks are banks located in jurisdictions with low taxation and regulation.

    Many offshore banks are essentially private banks. Savings banks accept savings deposits. Postal savings banks are savings banks associated with national postal systems.

    Retail Banking services are also termed as Personal Banking services

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