Answers

what is the essential difference between retail and business banking?
Credit, Debit, and Gift Cards

If retail banking deals with individual day-to-day customer then what does business banking involve? Are they closely interrelated?
Thank you.


"Business Banking" tends to work with small-to-medium sized enterprises (SMEs). Business banking does all the things that retail banking does but adds the following things:

1) More services. Business Banking includes things like more treasury services, revolving credit, merchant credit, cash management, group insurance, corporate cards and secure Internet banking (e.g. server-to-server).

2) Better rates. Since SMEs bring in more money, they tend to get better rates than the retail banking customer, who tends to need lots of maintenance compared to their deposit sizes.

Retail, SME and corporate banking customers use the same infrastructure, but the sales platforms tend to be different to cater to their specific needs.

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Rebecca Lorenz shares her testimony, and speaks to the growth opportunities within USAA. As a Retail Banking Field Senior, she continues to serve ...

I have 4 year retail banking sales experience and want to get in on the investment side. Where should I apply
ShopaLite_VODAFONE

I have been an unlicensed financial specialist at Wachovia and have mortgage and real estate experience as well. I applied at UBS and Merrill Lynch and am wondering what other firms have a financial advisor development programs? I have a bachelors degree but no investment banking experience so I figured one of the big boys is a good place to get my feet wet.


Have you tried to search the internet for "financial advisor development program"? I did and there are thousands of relevant links. I would also add my city in the search if I were you. Also, asking people with similar background to you what they would do in your position can help! Good luck!

impact of banking sector on retail sector plz give me answer in a big way?
ShopaLite_WESTPAC

i have a project upon retail and banking sector.this is a sub topic .give me some information upon impact of banking sector on retail sector so i will able to speak 5 minute cont.

what are the objectives of retail banking?
ShopaLite_COMMONWEALTH_BANK

also what are channels used, services provided and tools used by retail banking?


Retail banking is having all chanels expect loans as the loan is just a part of retail assets.............

In the state of Illinois is it legal for a retail banking institution to open a home equity line of credit for
ShopaLite_FONE_ZONE

a customer, if an the customer already has an existing line of credit open with the same bank but it has a zero balance? The problem being my brother who had my mother's POA opened a second home quity line of credit for our mother without closing the existing line of credit, therefore leaving two liens out there of the property. Was that legal for the bank to do so?


Yes, there are no limits to how many liens can be placed on a property.

Edit: If anything it would be more of an issue for the title company than the bank. But having 2,3, or even 4 liens isn't unheard of.


retail banking

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Integra Bank Corporation Q4 2009 Earnings Call Transcript Seeking Alpha (blog)

Integra Bank Corporation ( IBNK )

Q4 2009 Earnings Call

March 5, 2010 11:00 am ET

Executives

Michael Alley – Interim Chairman and CEO

John Key – EVP, Chief Credit and Risk Officer

Mike Carroll – EVP and CFO

Roger Duncan – EVP, Retail Manager-Community Markets Manager, and President of Evansville Region

Analysts

Stephen Geyen – Stifel Nicolaus

Ross Demmerle – Hilliard Lyons

Presentation

Operator

Welcome to Integra Bank Corporation's fourth quarter 2009 earnings conference call. This call is being recorded. Before we proceed, the company would like to note that statements made in the course of this conference call that are not based on historical facts are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

The risk factors and cautionary statements in the forward-looking statements are detailed in the company's filings with the Securities and Exchange Commission, and in the press release issued earlier today. The company makes no commitment to update any forward-looking statements based on new information, future events or otherwise. Please note that a replay of this call will be available for 30 days through our website at www.integrabank.com and by telephone at 1-800-642-1687, pass code 58307174.

News

C&F Financial Corporation Announces First Quarter Earnings - PR Newswire (press release)

PR Newswire (press release), NY - Apr 30, 2009

C&F Financial Corporation Announces First Quarter Earnings - PR Newswire (press release) Fibre2fashion.comC&F Financial Corporation Announces First Quarter EarningsRetail Banking Segment. First quarter net income for C&F Bank was $139000 in 2009 compared to $609000 in 2008. The decline in 2009 earnings included the effects of (1) margin compression and competition for loans and deposits on net interest income, 10-Q: CASCADE BANCORP FedFirst Financial Corporation Announces First Quarter 2009 Results First Financial Service Corporation Announces Quarterly Results  -
Moelis & Company Announces Joseph B. Kennedy has Joined as a ... - Business Wire (press release)

Business Wire (press release), CA - Apr 30, 2009

Moelis & Company Announces Joseph B. Kennedy has Joined as a Mr. Kennedy joins from Wachovia where he was most recently Head of Retail Investment Banking. Prior to this, Mr. Kennedy was the Co-Head of Retail Investment Banking and the Sector Head of Restaurants at Bank of America, where he managed a leading Moelis & Co. recruits Wachovia's retail banking head
Cleaning up bankers' mess - BBC News

BBC News, UK - Apr 30, 2009

Cleaning up bankers' mess - BBC News Which?Cleaning up bankers' messThis would mean that the likes of RBS would be split into a putatively safe and simple retail bank and into a supposedly riskier investment bank playing in the global casino. The argument is that such a division of banking activities would make it UK Lawmakers Blame Bankers for Financial Crisis Bankers blamed for meltdown Banks 'responsible for their own demise'  -
FEATURE-Canada banks target immigrants for retail growth - Reuters

Reuters - Andrea Hopkins - Apr 30, 2009

FEATURE-Canada banks target immigrants for retail growthReuters - Andrea HopkinsRecent arrivals in Canada have become an appealing target for Canada's big banks as they seek to expand the safe and reliable money-maker that is retail banking. The renewed push to win new customers among the country's fastest-growing population
End of the Road for Bouton - Wall Street Journal

Wall Street Journal - Matthew Curtin - Apr 29, 2009

End of the Road for Bouton - Wall Street Journal Straits TimesEnd of the Road for BoutonWall Street Journal - Matthew Curtin, Matthew CurtinThe two other pillars of Mr. Bouton's strategy were asset management as well as retail banking in Eastern Europe and other emerging markets, responsible for 30% of net profit last year. Derivatives have been Mr. Bouton's undoing because Societe SOCIETE GENERALE : Message from Daniel Bouton

Banking Directory

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