Commercial bank vs universal bank

Answer 1

Mixed banking combines both deposit banking and investment banking. The main purpose is to raise money from the public and lend for business and industries for productive purposes. This trend of combining traditional banking and industrial banking was first noticed after the World War I in England and Germany.

In England banks were finding it diffcult to pay back money to their depositors as many industrial borrowers failed to repay the loan dues and banks had to go for long term investments to safeguard their position.

In Germany banks did quite opposite what banks were doing in England. In Germany, as a measure of abundent precaution the Government discouraged banks to go for long term investments. Therefore, banks there started deposit banking. The public also due to post war effects, were looking for risk-free investments and they found these banks as heaven and started investing thier hard earned money in banks.

Universal Banking is making available all banking services and products under one roof. In other words, universal banking is a supermarket of financial services, where the bank customer can get all banking products and services at one place under a single roof. This type of banking started in Germany around the end of the 19th century.

M.J.SUBRAMANYAM, XCHANGING, BANGALORE.

Answer 2

The difference between a universal bank and a commercial bank is that a universal bank generally offers more services than the commercial bank does. A universal bank offers additional services such as underwriting, intermediary services for issuers of securities and the public that would like to invest, and more.

Answer 3

A commercial bank provides services like taking deposits, making loans, and offering basic investments. A universal bank does what both commercial and investment banks do, while also providing other financial services.

Answer 4

The difference between a universal bank and a commercial bank is

that a universal bank generally offers more services than the

commercial bank does. A universal bank offers additional services

such as underwriting, intermediary services for issuers of

securities and the public that would like to invest, and more. And vice versa

Answer 5

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