This document discusses retail banking in India. It provides an overview of retail banking, noting that it refers to banking services for individuals rather than businesses. It mentions several retail banking products including loans, credit/debit cards, insurance, and wealth management. The document also discusses challenges and opportunities in retail banking, such as adapting to technology and financial inclusion, as well as a future strategy of conducting marketing campaigns.

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Q & A
Retail Banking Products
Challenges
Retail Banking – Current Trend
Opportunities
Future Strategy
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Retail Banking - Overview

3. » Retail banking refers to the banking done with the
retail client (e.g. the normal people) rather than
business or organizational customers
» Retail Banking comprises of multiple products like
Loans, Credit / Debit Cards, Insurance, wealth
Management etc.,
» The product services are made available both
physically or through technology driven electronic off-
site delivery channels like, mobile banking, internet
banking, ATMs, etc.

4. » Growing at the rate of 25 to 30% per Annum
» Retail assets are about 20 to 25 % of the total banking
assets of India
» Retail loans growing by 14.5% year-on-year for March as
per data released by Reserve Bank of India (RBI) on
Tuesday.

6. » Deposits
» Credit and Debit Cards
» Loans (Home, Auto, Personal, Education
Mortgage)
» Financial Planning (Wealth Management,
Retirement Solution, Child Education)
» Insurances
» Travel and International Payments
» Demat Services

7. » Higher adaptability to technology
» Economic Growth
» Innovation in Banking Products and Services
» Changing Consumer Demographics
» Growing incomes
» Increasing literacy levels
» Growing consumerism
» Fiscal incentives for home loans
» Desire to improve lifestyles

8. » Sustaining Customer loyalty
» Customer Retention
» NPA reduction & Fraud prevention
» Bringing Rural masses into mainstream
banking.
» Avoiding Debt Trap for customers
» Financial Inclusion

9. » MEDIA ADVERTISING
» MOBILE MARKETING
» FLASH MESSAGE IN THE BANKS WEBSITE
» FLASH CARDS IN THE BRANCHES
» CONDUCT CAMPAIGNS
» IDEA GENERATION