{"id":88088,"date":"2021-12-22T11:15:16","date_gmt":"2021-12-22T05:45:16","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=88088"},"modified":"2021-12-22T11:15:18","modified_gmt":"2021-12-22T05:45:18","slug":"retail-wholesale-and-international-banking","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/","title":{"rendered":"Retail Banking, Wholesale, and International Banking For JAIIB"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Retail_Banking_Wholesale_and_International_Banking_For_JAIIB_Download_PDF\" >Retail Banking, Wholesale, and International Banking For JAIIB | Download PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Sneak_peek_In_To_The_Ebook\" >Sneak peek In To The Ebook<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Retail_Banking\" >Retail Banking<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#ADR_vs_GDR\" >ADR vs GDR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Participatory_Notes\" >Participatory Notes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Why_are_participatory_notes_used\" >Why are participatory notes used?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Advantages_of_participatory_notes\" >Advantages of participatory notes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/retail-wholesale-and-international-banking\/#Disadvantages_of_P-notes\" >Disadvantages of P-notes<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Retail Banking, Wholesale, and International Banking For JAIIB is an important topic when it comes to JAIIB and CAIIB exams conducted by IIBF. In this installment of Short Notes For JAIIB we will cover the details on types of banking and related concepts. Readers can find most of the concepts in the article below and can download the entire PDF notes using the link given below. <\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/jaiib\/?ref=Contba\" target=\"_blank\" rel=\"noreferrer noopener\">Take A free JAIIB Mock Test Here<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retail_Banking_Wholesale_and_International_Banking_For_JAIIB_Download_PDF\"><\/span>Retail Banking, Wholesale, and International Banking For JAIIB | Download PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Use the link and the steps below to download the PDF.<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/free-ebook-pdf-download\/?ref=Contba&amp;cat=jaiib&amp;next=https:\/\/bit.ly\/Types-Of-Banking-JAIIB\" target=\"_blank\" rel=\"noreferrer noopener\">Download Types of Banking PDF for JAIIB<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>How To Download Ebooks On Oliveboard?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Click on the link given<\/li><li>You will be redirected to login\/signup page<\/li><li>Create an account or sign in if you already have an Olivebaord Account<\/li><li>You&#8217;ll see a message &#8211; &#8220;Please click here to download the Free Ebook&#8221;<\/li><li>Click on the link to get the PDF<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sneak_peek_In_To_The_Ebook\"><\/span>Sneak peek In To The Ebook<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"791\" height=\"448\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/12\/image-11.png\" alt=\"\" class=\"wp-image-88378\"\/><\/figure>\n\n\n\n<p><strong>The term retail banking refers to how commercial banks deal with individual customers on both the asset and liability sides.<\/strong> Products offered are: SB, RD, CA, TDR, STDR, No Frill A\/C, Home loan, auto loan, personal loan, education loan, crop loan, credit card, debit cards, lockers, bankassurance etc.<\/p>\n\n\n\n<p><strong>Business banking, also known as corporate banking or commercial banking, refers to doing banking business with businesses<\/strong> \u2013 mainly multinational corporations, domestic businesses, and public sector organizations. Products offered are: LC, BG, Collection of bills and documents, forex desk, tax collection, RTGS, term lending, etc.<\/p>\n\n\n\n<p><strong>International banking<\/strong> refers to dealing in cross-border transactions.<\/p>\n\n\n\n<p>Besides offering mutual funds and capital market-related products, like share broking and commodity broking,<strong> universal banking <\/strong>offers all types of financial products, including shares, commodities, and more services under one roof, such as gold\/bullion, government\/corporate bonds, merchant banking, general banking, health insurance (both life and non-life), etc.<\/p>\n\n\n\n<p><strong>A depository receipt (DR)<\/strong> is a form of negotiable (transferable) financial instrument that is traded on a local stock exchange of a country but represents a security, usually in the form of equity that is issued by a foreign publicly listed company.<\/p>\n\n\n\n<p><strong>Participatory Notes<\/strong> are like contract notes. They are issued by FII to entities that want to invest in the Indian stock market but do not want to register themselves with the SEBI. FII is not allowed to issue Participatory notes to Indian national or overseas corporate bodies (because the majority are owned\/controlled by NRIs).<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Retail_Banking\"><\/span>Retail Banking<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In retail banking, also known as consumer banking, banking services are provided to retail customers rather than institutional customers, such as companies, corporations, and\/or financial institutions.<\/p>\n\n\n\n<p>Today\u2019s Retail banking sector is characterized by three basis features:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Multiple products (deposits, credit cards, insurance, investments and securities)<\/li><li>Multiple channels of distribution (call centre, branch, Internet and Kiosk)<\/li><li>Multiple customer groups (Consumer, small business and corporate)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Retail Products<\/h3>\n\n\n\n<p>The Typical products offered in the Indian retail banking segment are:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Retail Deposit Products<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Saving Bank Account<\/li><li>Recurring Deposit Account<\/li><li>Current Deposit Account<\/li><li>Term Deposit Account<\/li><li>Zero Balance Account for salaried class people<\/li><li>Basis Saving Bank Deposit Account (BSBDA) for the common man<\/li><li>Senior Citizen Deposit Account, etc.<\/li><li>Retail Loan Products<\/li><li>Home loans to resident Indians for purchase of land and construction of residential<\/li><li>house\/purchase of ready built house\/for repairs and renovation of an existing house.<\/li><li>Home loans to Non- Resident Indians<\/li><li>Auto loans- for purchase of new\/used four-wheelers and two-wheelers<\/li><li>Consumer loans- for purchase of white goods and durables<\/li><li>Personal loans- for purchase of jewels, for meeting domestic consumption etc.<\/li><li>Educational loans- for pursuing higher education both in India and abroad<\/li><li>Trade related advances to individuals- for setting up business, retail trade etc.<\/li><li>Crop loans to agricultural farmers<\/li><li>Credit cards etc.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Retail Services<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Safe Deposit lockers<\/li><li>Depository services<\/li><li>Bancassurance Products etc.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Drives of Retail Banking in India<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Appreciable Growth Rate<\/h4>\n\n\n\n<p>The economic boom and the ensuing increase in purchasing power have boosted the economic boom in consumer spending. Since 1992, India&#8217;s economy has grown at an average rate of 6.8% and the growth should continue at a comfortable pace.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Changes in demographic profile<\/h4>\n\n\n\n<p>Change in consumer demographics shows vast potential for growth in consumption both qualitatively and quantitatively. It has been forecasted that BRIC nations have a bright future, in which India&#8217;s demographic advantage will have a key role.<\/p>\n\n\n\n<p>Today, the average age of borrowers has dropped from 40 years about five years ago too, now, an estimated 30 years. In the future, the average age is predicted to reduce further and hence it will indicate well for the housing finance market in terms of increased borrowers.<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/free-ebook-pdf-download\/?ref=Contba&amp;cat=jaiib&amp;next=https:\/\/bit.ly\/Types-Of-Banking-JAIIB\" target=\"_blank\" rel=\"noreferrer noopener\">Access the Entire Ebook Here<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ADR_vs_GDR\"><\/span>ADR vs GDR<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>ADR<\/strong><\/td><td><strong>GDR<\/strong><\/td><\/tr><tr><td><strong>Acronym<\/strong><\/td><td>American Depository Receipt<\/td><td>Global Depository Receipt<\/td><\/tr><tr><td><strong>Meaning<\/strong><\/td><td>ADR is a negotiable instrument issued by a US bank, representing non-US company stock, trading in the US stock exchange.<\/td><td>GDR is a negotiable instrument issued by the international depository bank, representing foreign company&#8217;s stock trading globally.<\/td><\/tr><tr><td><strong>Relevance<\/strong><\/td><td>Foreign companies can trade in US stock market.<\/td><td>Foreign companies can trade in any country&#8217;s stock market other than the US stock market.<\/td><\/tr><tr><td><strong>Issued in<\/strong><\/td><td>United States domestic capital market.<\/td><td>European capital market.<\/td><\/tr><tr><td><strong>Listed in<\/strong><\/td><td>American Stock Exchange such as NYSE or NASDAQ<\/td><td>Non-US Stock Exchange such as London Stock Exchange or Luxemberg Stock Exchange.<\/td><\/tr><tr><td><strong>Negotiation<\/strong><\/td><td>In America only.<\/td><td>All over the world.<\/td><\/tr><tr><td><strong>Disclosure Requirement<\/strong><\/td><td>Onerous<\/td><td>Less onerous<\/td><\/tr><tr><td><strong>Market<\/strong><\/td><td>Retail investor market<\/td><td>Institutional market.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Participatory_Notes\"><\/span>Participatory Notes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Participatory notes also called P-Notes are offshore derivative instruments with Indian shares as underlying assets. These instruments are used for making investments in the stock markets.<\/p>\n\n\n\n<p>However, they are not used within the country. They are used outside India for making investments in shares listed in the Indian stock market. That is why they are also called offshore derivative instruments.<\/p>\n\n\n\n<p>Participatory notes are issued by brokers and FIIs registered with SEBI. The investment is made on behalf of these foreign investors by the already registered brokers in India. For example, Indian-based brokerages buy India-based securities and then issue participatory notes to foreign investors. Any dividends or capital gains collected from the underlying securities go back to the investors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_are_participatory_notes_used\"><\/span>Why are participatory notes used?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>P-Notes are very easy to invest in, which makes them very popular among FIIs. Prior to investing in Indian shares, foreign investors who are not registered with SEBI have to undergo a lot of scrutiny, such as know-your-customer rules. Foreign investors use this method to bypass these obstacles. In addition, since the beneficiaries of these notes are not disclosed, many anonymous investors opt to use them. Instruments like these allow investors to trade in the Indian market without registering with SEBI and revealing their identities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages_of_participatory_notes\"><\/span>Advantages of participatory notes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Anonymity<\/strong>: Participants in participatory notes do not have to register with SEBI, whereas all FIIs are forced to register. The system makes it possible for large hedge funds to operate anonymously.<\/p>\n\n\n\n<p><strong>Ease of trading<\/strong>: Trading through participatory notes is easy because they are like contract notes transferable by endorsement and delivery.<\/p>\n\n\n\n<p><strong>Tax saving<\/strong>: Some of the entities route their investment through participatory notes to take advantage of the tax laws of certain preferred countries.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disadvantages_of_P-notes\"><\/span>Disadvantages of P-notes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Participatory notes are not very popular with Indian regulators because they have no way of knowing who owns the underlying securities. Several unaccounted funds are alleged to have entered the country through participatory notes.<\/p>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam-syllabus-pattern\/\" aria-label=\"JAIIB Exam Syllabus &#038; Pattern &#8211; List of Topics to Prepare\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/08\/JAIIB-exam-Syllabus.png\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"JAIIB exam Syllabus\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam-syllabus-pattern\/\">JAIIB Exam Syllabus &#038; Pattern &#8211; List of Topics to Prepare<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam-date\/\" aria-label=\"JAIIB Exam Date &#8211; For May &#038; Nov Exam Cycle\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/08\/JAIIB-exam-date.png\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"JAIIB exam date &amp; schedule\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam-date\/\">JAIIB Exam Date &#8211; For May &#038; Nov Exam Cycle<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam\/\" aria-label=\"JAIIB Exam &#8211; Eligibility, Schedule, Registration Details\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/08\/JAIIB-Exam-details.png\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"JAIIB Exam details\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam\/\">JAIIB Exam &#8211; Eligibility, Schedule, Registration Details<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-eligibility-criteria\/\" aria-label=\"JAIIB Eligibility Criteria &#8211; Age Limit, No. of Attempts\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/08\/JAIIB-Eligibility.png\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"JAIIB Eligibility\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-eligibility-criteria\/\">JAIIB Eligibility Criteria &#8211; Age Limit, No. of Attempts<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-admit-card\/\" aria-label=\"JAIIB Admit card &#8211; Steps to Download and Updates\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/08\/JAIIB-Admit-card.png\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"JAIIB Admit card\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-admit-card\/\">JAIIB Admit card &#8211; Steps to Download and Updates<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-registration-apply-online\/\" aria-label=\"JAIIB Registration &#038; Apply Online &#8211; Steps to Fill the Application Form\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2021\/08\/JAIIB-Registration.png\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"JAIIB Registration\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-registration-apply-online\/\">JAIIB Registration &#038; Apply Online &#8211; Steps to Fill the Application Form<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Retail Banking, Wholesale, and International Banking For JAIIB is an important topic when it comes to JAIIB and CAIIB exams<\/p>\n","protected":false},"author":2,"featured_media":88381,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,10427,10353],"tags":[],"class_list":["post-88088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-caiib","category-jaiib","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Types Of Banking \u2013 Retail, Wholesale, Intl | Short Notes For JAIIB &amp; 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