Retail Banking

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Description
Retail Banking has become a very important component in the business mix of banks. Retail Banking offers multiple comfort factors for banks to do business. Large and divergent customer base across income segments offers huge scope for banks to develop and offer multiple products and services. In addition to traditional products and services offered by banks over the years, the retail model has undergone rapid innovation in the past decade with regard to products, processes, people and technology. Technology has become the driver for retail banking explosion, and technology products like ATM, Internet Banking, Mobile Banking, Card products like Debit Cards, Credit Cards and remittance products like RTGS and NEFT are making their presence felt in the retail space. Banks are embracing different strategies, redesigning their conventional business silos, re-engineering their channels, products and services to increase the share of the customer wallet.
In this scenario, it is imperative that every present-day banker is updated with these concepts and this book is an attempt to achieve that objective. The book covers the different dimensions of retail banking and presents a broad canvas containing the important facets of retail banking.
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Contents
Module A Retail Banking
1.  Retail Banking - Introduction
2.  Retail Banking - Role within the Bank Operations
3.  Applicability of Retail Banking Concepts and Distinction Between Retail
     and Corporate/Wholesale Banking
Module B Retail Products
4.  Customer Requirements
5.  Product Development Process
6.  Credit Scoring
7.  Important Retail Asset Products
8.  Credit and Debit Cards
9.  Remittance Products
Module C Marketing In Retail Banking
10.  Marketing in Retail Banking
11.  Delivery Channels in Retail Banking
12.  Delivery Models
13.  Customer Relationship Management in Retail Banking
14.  Service Standards for Retail Banking
15.  Technology in Retail Banking
Module D Other Issues Related To Retail Banking
16.  Recovery of Retail Loans
17.  Securitisation
18.  Other Financial Services Provided by banks
Module E Additional Reading Material on Home Loans
19.  Lender's Appraisal ProcedureSecuritisation - Mortgage Backed Securities
20.  Housing Finance and Tax Planning
21.  Mortgage Advice
22.  Valuation of Real Property
Appendix
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Author Details
Indian Institute of Banking & Finance (IIBF) formerly The Indian Institute of Bankers, established in 1928, is a professional body of banks, financial institutions and their employees in India. During its 82 years of service, IIBF has emerged as a premier institute in banking and finance education for those employed in the sector, aiming for professional excellence. Since its inception, the Institute has awarded over 5 lakh banking and finance qualifications, viz; JAI IB, CAIIB, Diplomas and Certificates in specialized areas. The pedagogy of Distance Learning offered by the Institute comprises (i) publishing specific course ware for each paper/examination; (ii) publishing work books; (iii) holding tutorials through accredited institutions; (iv) organizing contact classes; (v) conducting virtual classes; (vi) offering e-learning through portal; (vii) organizing campus training for selected courses, etc.
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