Economics · Banking and Financial Institutions
Which of the following statements accurately reflects the structural and regulatory nuances differentiating Retail Banking from Corporate/Wholesale Banking within the Indian financial ecosystem?
- 1Retail Banking is entirely exempt from Statutory Liquidity Ratio (SLR) and Cash Reserve Ratio (CRR) requirements, unlike Wholesale Banking.
- 2Wholesale Banking is characterized by high value transactions with a limited number of large clients such as multinational corporations and public sector undertakings where the credit assessment is highly individualized and complex.✓
- 3Corporate Banking involves providing a wide range of services to small individual customers including personal loans and savings accounts with low ticket sizes.
- 4Retail Banking primarily focuses on mass market customers with low value transactions where the risk is highly concentrated in a few large accounts.
Correct answer
Wholesale Banking is characterized by high value transactions with a limited number of large clients such as multinational corporations and public sector undertakings where the credit assessment is highly individualized and complex.
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