How does wholesale banking differ from retail banking in terms of: (a) product range; (b) client...

How does wholesale banking differ from retail banking in terms of: (a) product range; (b) client coverage; (c) marketing; (4) risk management; (5) pricing.

Expert Solution

Wholesale banking differs from retail banking in the sense that in wholesale banking the customers are usually large corporates and businesses and while in retail banking the customers are individuals.

In wholesale banking products are commercial loan, working capital loans etc. While in a retail banking scenario, the products are personal loan, credit cards etc.

In terms of client coverage wholesale banking would be restricted to few firms while retail banking would have far larger number of clients.

Marketing of wholesale banking would be muted and more based on relationship marketing while retail marketing would be based on advertisement and promotion.

Risk management for wholesale banking would be based on study of financial performance while for retail banking it would be based on wider data related to customer behaviour and borrowing history.

Pricing for wholesale banking would be dependent on bond ratings and would be closer to cost of debt of the firm. For retail pricing would be based on CIBIL score

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