1. RETAIL
BANKING
CREATED BY
TRUPTI K &
SHATABDI R

2. INTRODUCTION
Typical mass market banking in which
individual customers use local branches of
larger commercial banks.
Aims to be the one-stop shop for as many
financial services as possible on behalf of
retail clients

3. Retail banking sector is characterized by
three basic characteristics :
Multiple products
Multiple channels of distribution
Multiple customer groups

4. WHY RETAIL BANKING?
Changing customer demographic demands.
Higher penetration of technology.
Reduction of cost.
Market demands and challenges.
Needs of individual customers.

5. ADVANTAGES
Retail deposits are stable and constitute
core deposits.
They are interest insensitive and less
bargaining for additional interest.
Retail banking increases the subsidiary
business of the banks.
Retailbanking results in better yield and
improved bottom line for a bank.
Retailsegment is a good avenue for funds
deployment.

6. DISADVANTAGES
Designing own and new financial products is
very costly and time consuming for the bank.
This does not allow banks to exploit the
advantage of earning huge profits from single
customer as in case of wholesale banking.
Though banks are investing heavily in
technology, they are not able to exploit the
same to the full extent.

7. CHALLENGES OF RETAIL
BANKING
The issue of money laundering is very
important in retail banking. This forces all
the banks to consider seriously all the
documents which they accept while
approving the loans.
Banks are expected to take utmost care
to retain the on going trust of the public.

8. Customer service should be at the end all in
retail banking.
Innovative strategies to meet customer’s
needs and requirements in terms of services,
products etc.
Dependency on technology has brought IT
departments 'additional responsibilities
 Security Level

9. The efficiency of operations would provide
the competitive edge for the success in
retail banking in coming years.
The customer retention is of supreme
important for the profitability in retail
banking business
Acute shortage of manpower talent of this
specific nature, modern banking professional,
for a modern banking sector.

10. LIST OF BANKS
State Bank of India
HDFC
ICICI Bank
Punjab National Bank
Hongkong & Shanghai Banking Corp(HSBC)
Kotak Mahindra Bank
Sundaram Bank
Oriental Bank of Commerce
UTI Bank (AXIS Bank)
Punjab National bank(PNB)

11. Thank You!!