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Corporate Banking means Financing to coporate institutions which has been declared as Corporate entity. Corporate entity means if more than one company falls in the same line of business, financing terms will be same to all the corporate insitution as whole. Enterprise banking means each individual business units will be covered separate, according to the specific requirements for financing. Though more than one company falls in the same group, the financing terms will differ according to each enterprise demands and needs.
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Retail banking directly deals with the individual end users , whereas corporate banking mainly deals with companies.
Corporate banking is the handling of money between banks and companies. Private banking is where individuals deal directly with banks, engaging in activities such as ATM w…ithdrawals and borrowing loans.
There is no didderence as such! Corporate Banking fall under wholesale banking.
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Commercial banking is primarily concerned with receiving deposits and lending to businesses, whereas Retail Banking provides the same products (such as deposits or loans…) just to individuals. Not trying to make this more complicated, but Commercial & Retail Banks (depending on the organisation and region) also differentiate here by investable assets per customer (e.g. US$ 100.000 US$ 200.000).
Retail banking is mostly associated with single customers of small business customers. When you open an account or one for your spouse, that is retail banking. If you have a s…mall business, and it opens an account that is retail banking. If you are an employer of 5,000 people and you open a company account with the bank, that is still retail banking. However, when you for example do imports/exports, you are not dealing with commercial banking section of the bank. When you do payroll management, you are working with transactional banking section, which works under commercial banking. When your bank offers you cash management from your 100 stores across the country, that is commercial banking.
Commercial banks accept deposits from customers (which are insured by the FDIC in the U.S.) and also make consumer and commercial loans. The vast majority of the loans m…ade by commercial banks are "held" on the bank's balance sheet as an asset of the bank. Investment banks are simply intermediaries. They do not accept deposits. Instead, they sell investments. Also, any loans (or other debt or equity issues originated by an investment bank) are typically NOT held by the company, but instead sold to a third party.
The functions of the central bank are two oversee commercial banks and other financial organizations. Commercial banks deal directly with the general public
There are certain basic differences between a central bank and a commercial bank. They are: (i) The central bank is the apex monetary institution, which has been specially e…mpowered to exercise control over the banking system of the country. The commercial bank, on the contrary, is a constituent unit of the banking system. (ii) The central bank does not operate with a profit motive. The primary aim of the central bank is to achieve the objectives of the economic policy of the government and maximise the public welfare through monetary measures. The commercial banks, on the other hand, have profit earning as their primary objective. (iii) The central bank is generally a state-owned institution, while the commercial banks are normally privately owned institutions. (jv) The central bank does not deal directly with the Public. The commercial banks, on the contrary, directly deal with the public. (v) The central bank does not compete with the commercial banks. Rather it helps them by acting as the lender of the last resort. (vi) The central bank has the monopoly of note-issue, whereas the commercial banks do not enjoy such right. (vii) The central bank is the custodian of the foreign exchange reserves of the country. The commercial banks are only the dealers in foreign exchange. (viii) The central bank acts as the banker to the government, the commercial banks act as bankers to the general public. (ix) The central bank acts as the bankers' bank : (a) The commercial banks arc required to keep a certain proportion of their reserves with central bank ; (b) the central bank helps them at the time of emergency ; and (c) the central bank acts as the clearing house for the commercial banks. But, the Commercial banks perform no such function.
Commercial Banking is a bank whose principal functions are to receive demand deposits and to make short-term loans. Corporate Banking is Any financial or monetary activity t…hat deals with a company and its money. so Commercial focus on Individual and Corporate focusses on Companies..
Commercial Bank: Commercial banks form a significant part of the country's Financial Institution System. Commercial Banks are those profit seeking institutions which accept d…eposits from general public and advance money to individuals like household, entrepreneurs, businessmen etc. with the prime objective of earning profit in the form of interest, commission etc. The operations of all these banks are regulated by the Reserve Bank of India, which is the central bank and supreme financial authority in India. The main source of income of a commercial bank is the difference between these two rates which they charge to borrowers and pay to depositers. Examples of commercial banks - ICICI Bank, State Bank of India, Axis Bank, and HDFC Bank.
A commercial bank is a financial institution which lends out money to potential borrowers and implement plans on behalf of the central bank while Anon commercial bank is a fin…ancial institution that lends out money on long term basis and does not carry out credit creation
Corporate banking refers to bank accounts for businesses with formalized requirements. A corporate bank account can only be opened by decision of the board of directors. P…ersonal banking is used by individuals to pay bills, expenses, and make withdrawals for personal use.
Im not entirely sure what you are asking by rural bank, because this could be a community bank meaning they serve that community specifically and that's their specialization. …A commercial bank would serve at a minimum multiple cities typically multiple states or the entire US. Some small cities have family owned private banks which could be considered rural banks. There are advantages and disadvantages of rural banks. Rural banks have advantages such as community ties and market specialization. However they have don't have the resources or capital larger (commercial banks) have.
Specialised banks are formed to cater specific needs of industries,export units etc.These are Foreign exchange banks,Industrial development banks,Export -import banks etc. Com…mercial banks are governed and regulated by Indian Banking Regulation Act 1949 and according to it banking means accepting deposits from public for the purpose of lending investment.
1. Registration ↓ In India, the Commercial Banks are required to be registered under Banking Regulation Act, 1949. In India, the Co-operative Banks are required to be regis…tered under the Co-operative Societies Act, of the concerned state. 2. Main Objective ↓ The main objective of a Commercial Bank is to accept deposits from public for the purpose of lending to industry and commerce. The main objective of a Co-operative Bank is to accept deposits from the members and the public for the purpose of providing loans to farmers and small businessmen with a motto of service. 3. Availability of Funds ↓ Massive funds are available at the disposal of Commercial Banks. Limited funds are available at the disposal of Co-operative Banks. 4. Area of Operation ↓ Commercial banks operate over a larger area. Some commercial banks even have branches in foreign countries. The area of operations of Co-operative Banks is limited and mostly confined to State. They do not operate at national level nor international level. 5. Nationalisation ↓ At present 20 Commercial Banks have been nationalised in India. In India Co-operative Banks are not nationalised. 6. Merchant Banking Services ↓ Commercial Banks provide merchant banking services such as advising the companies regarding the public issue of shares. Co-operative Banks do not provide merchant banking services. 7. Mutual Funds ↓ Commercial Banks in India such as Canara Bank, Bank of India, State Bank of India, do operate mutual funds. At present co-operative banks in India do not operate mutual funds. 8. Basis of operation ↓ Commercial banks operates on the commercial principles. They operate to earn a profit. The basis of operations is on co-operative lines, i.e. service to its members and the society. 9. Rate of Interest ↓ The Commercial Banks provide a lesser rate of interest as compared to co-operative banks. The Co-operative Banks provide a little higher rate of interest on deposits as compared to commercial banks.
The difference between corporate banking and ordinary civilian banking is that corporate banking helps businesses with their international transactions, by receiving and sendi…ng money as well as manage foreign currency.