📝 One-liners · 29 cards
Retail Banking: Introduction
1 — Characteristic / Operational Implication?
Characteristic: High Volume, Low Ticket Size; Operational Implication: A single home-loan officer may book ₹50 cr through 200 loans of ₹25 lakh each. Margins per account are thin; profitability comes from scale.
2 — Characteristic / Operational Implication?
Characteristic: Granular Risk Diversification; Operational Implication: Default of one borrower has negligible portfolio impact (law of large numbers); contrast with corporate where one ₹500-cr default can wipe out a quarter's profit.
3 — Characteristic / Operational Implication?
Characteristic: Technology-Driven Delivery; Operational Implication: ATM, internet, mobile, UPI, video-KYC, AA-based underwriting — straight-through processing is the operational backbone.
4 — Characteristic / Operational Implication?
Characteristic: Brand-Driven Acquisition; Operational Implication: Customer choice is shaped by trust, recall and service quality rather than rate negotiation; mass-media advertising matters.
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