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What is the difference between an investment bank and a retail bank?
Wiki User
∙ 14y ago
an investment bank is a non depository institution, and a commercial bank takes customers' deposits.
Wiki User
∙ 12y ago
Tristan Mcgowan
Wiki User
∙ 14y agoA retail bank is the building on the corner where you cash your checks, make deposits, go to the atm, etc. An investment bank works exclusively on an institutional level with other banks, investment firms, lenders, and securities dealers.
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According to my research on our friendly world wide web i found out that, Investment banks: Are those banks which raise money by selling securities to other companies and government. At present (since Lehman brothers & Merill Lynch are out of picture) Goldman sachs and Morgan Stanley are largest investment banks in USA. Retail banks: Are those banks which directly deal with customers. It deals with savings account, checking account, personal loans etc Commercial banks: Take deposits and gives loan to corporations. Bank of America is the largest commercial bank. Universal banks: are banks that participate in activities of commercial banks as well as investment banks. Bank of America is an universal bank
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The answer is May be. An investment bank may or may not provide retail banking services like checking accounts, credit cards etc. Their area of expertise is investment services, mutual funds, underwriting services etc.
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A "boutique" investment bank is one that is not full service. A full service investment bank includes retail brokerage, institutional brokerage, trading, underwriting, corporate finance, and money management. A typical boutique specializes in <a href="http://www.pegasusics.com/mergers-and-acquisitions.php">mergers and acquisitions</a> and/or capital raising. See:
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In contemporary terms, the natural rate of interest is what businesses expect to earn on real investment. The bank rate is the return on financial assets in general and commercial bank loans in particular.
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Mortgage lenders provide the actual money for the loan and take homeowners through the funding/approval process. Mortgage lenders may sell your mortgage to an investment bank after it is funded, and that investment bank becomes the note holder. Any bank that buys your mortgage after it is funded becomes the note holder.
