金融 5-functions of retail banks.ppt

Section 5Functions of retail banks零售银行的职能
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前节回顾
Provides an overview of the retail bank in the UK
Function
Products
Services
注:本案各业务分类均为最常见的普通分类!
Who are your customers?
Banks
?
?
Banks are often placed into two categories商业银行分两类
(Commercial)Banks
retail bank
wholesale bank
Target clients of retail banks目标客户
Retail Banks
Target clients:
1. Individuals
2. Households
3. SMEs
Services of retail banks你熟悉的零售银行业务
Retail Banks
1. Savings and checking accounts
2. Mortgages
3. Personal loans
4. Debit cards
5. Credit cards and so on.
Developing Trend of Retail Banking Business零售银行的发展趋势
International trend
Since the late 1990s.
Domestic trend
Since 2006.
the retail business are playing an increasingly important part in international banking industry.
The retail banking business is an important source of bank revenue.
Retail banking is the development trend of the future banking industry.
Reasons for Rapid Development of Retail Banking Internationally零售银行业长足发展的原因
Stable e, risk diversification.
Economic development leads to the growing retail banking business.
Disintermediation.
Some retail banks in the UK英国的零售银行巨头
巴克莱 Barclays
苏格兰皇家银行 RBS (Royal Bank of Scotland Group PLC)
汇丰 HSBC
渣打银行 Standard Chartered Bank
阿比国民银行Abbey National Bank
联合莱斯特银行Alliance & Leicester