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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.
What is the RBI Regulatory Retail Portfolio (Basel III) aggregate exposure threshold per counterparty?
₹7.5 crore
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.
What is the Basel III risk weight assigned to the Regulatory Retail Portfolio?
75%
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