JAIIB · RBWM · Chapter 2

Retail Banking: Role within the Bank Operations

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Retail Banking and Wealth Management — JAIIB.

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Organising axis — SBU / Departmental / Integrated?

SBU: Customer segment / product; Departmental: Function; Integrated: Overall strategy

Autonomy — SBU / Departmental / Integrated?

SBU: High; Departmental: Medium; Integrated: Low (coordinated)

Own P&L? — SBU / Departmental / Integrated?

SBU: Yes; Departmental: No; Integrated: Pooled

Best for — SBU / Departmental / Integrated?

SBU: Large diversified banks; Departmental: Mid-sized banks; Integrated: Strategy-driven modern banks

Corporate / Wholesale Banking — Mandate / Sample Head?

Mandate: Large corporates, MNCs, infra finance; Sample Head: Head – Corporate Banking

Retail Banking — Mandate / Sample Head?

Mandate: Individuals, salaried, self-employed, NRIs, HNIs; Sample Head: Head of Retail Banking (dedicated)

Treasury & Markets — Mandate / Sample Head?

Mandate: ALM, forex, investments, money-market; Sample Head: Head – Treasury

CPC (Centralised Processing Centre)?

Account opening, cheque book issuance, debit-card dispatch, mandate processing

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