Retail Banking

The Retail banking is a typical mass-market banking where individual customers use the local branches of the larger commercial banks. The services offered by it include: savings and checking accounts, mortgages, personal loans, debit cards, credit cards, and so on.

After a long challenging period over recent years, the retail banks have enjoyed a low interest environment and relatively stable economic indicators over the past year to 18 months. The focal point for many has now shifted from focusing predominantly on the cost cutting to actively looking for the opportunities for growth. However, the regulatory environment remains a challenging backdrop to any growth strategy.

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