[Separation of Retail Banking From Other Types of Banking]

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ACKNOWLEDGEMENT

I would first like to express my gratitude for my research supervisor, colleagues, and peers and family whose immense and constant support has been a source of continuous guidance and inspiration.

DECLARATION

I [type your full first names & surname here], declare that the following dissertation/thesis and its entire content has been an individual, unaided effort and has not been submitted or published before. Furthermore, it reflects my opinion and take on the topic and is does not represent the opinion of the University.

Signed __________________ Date ________________

Table of Contents

ACKNOWLEDGEMENTii

DECLARATIONiii

BACKGROUND1

Background of Industry (The Retail Banking)1

HSBC case study2

Main aim and objective5

Aims and Objectives5

Research Question/Hypothesis6

BACKGROUND RESEARCH7

Review of Literature7

RESEARCH METHODOLOGY14

APPENDICES17

Time line17



BACKGROUND

Retail banking refers to the commercial banks, using modern management concept, relying on high-tech means to individuals, families and small and medium enterprises to provide comprehensive, integrated financial services including deposit, lending, clearing, exchange, investment and wealth management businesses(Boualem 2004, 155). , Retail banking business is not a short one, but many businesses in general. It has a wide range of business areas, both the traditional banking business, it can be a new business; either business assets, or a liability business, the middle of the business, but also can be online banking and so on. (Yue 2005, 36)

Background of Industry (The Retail Banking)

Retail banking services are market-oriented individuals, businesses and small and medium enterprises. Retail banking remains an operational to a broad base of customers who made large number of transactions involving small amounts, so that, according to the SDC, you need a "wide" network of branches to satisfy a large clientele and often dispersed (Kaynak 2002, 17).

The emergence of internet banking has encouraged many other banks and financial institutions to reinvent their strategy and adopt information technology to stay ahead of the competition (Farquhar 2004, 99.). Customer's needs and wants are unlimited; therefore, they have started demanding new, improved, more and more services from banking industry. Today customers want new levels of ease, flexibility and convenience from banking businesses, which traditional banking could not offer. Therefore, retail banks have started to keep existing customers and also started to attract new customers to the banks by providing online products and services (Paul 2007, 121).

Moreover, the system that the banks Use the risk of their loans, taking into account the specific and complex needs of the small business market, with accurate steering, efficient organizational risk management processes and supporting information. The model of successful banking, retail banks rely on satisfied SME clients and a better cross-selling, aspects that are central to any retail market growth in the small business market as possible..

HSBC case study

HSBC's universal banking model has evolved to meet customer demand and to build resilience so that HSBC can survive national or financial market crises. Given their global reach, we routinely face some degree of local crisis in some part of their business. But through strong risk management, traditional banking discipline and business diversification we offer their customers stability of access to ...