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Full Description
This fourth edition of Retail Banking is a comprehensive, up-to-date introduction to the principles of banking. Aimed at bank staff and students the text is packed with international examples and case studies and covers all aspects of banking in the modern financial services industry. It clearly explains the regulatory, social, technological and practical environment in which retail banks operate. Topics covered include:banking risks and regulationpayment methods, fund transfers, collecting and paying banksprinciples of the banker-customer relationshipthe balance between liquidity and profitabilityprinciples of lending and key credit risk tools.The text is complemented by online support material and a tutor resource containing dozens of practice tasks for students.
Contents
Part I THE RETAIL BANKING ENVIRONMENT1 The retail banking environment2 What is retail banking?3 How do retail banks work?4 Retail banks and the economy5 Retail banking regulation6 Competition in retail bankingPart II INSIDE THE RETAIL BANK7 Retail banking products8 Retail banking channels9 Payments and payment systems10 Credit appraisal11 Banking securities12 The recovery of moneyAppendix A Personal credit scoringAppendix B Business lending propositionAppendix C Personal case studies



