Recently bearingpoint released a research report revealing the business model for the 21st century ' s retail bank , at the same time unveiled its global research report targeted at 21st century ' s insurance firms 近日毕博管理咨询在北京发布了提示21世纪零售银行业务模式调研报告，并同时揭晓了近期所做的针对21世纪保险企业的全球调研报告。
This transaction will allow icbc asia to become the sixth largest bank in terms of total assets among listed banks operating in hong kong , with substantially larger and stronger commercial and retail banking operations 这项交易令中国工商银行亚洲成为全港上市银行中之第六大银行以总资产值计算，拥有更具规模更完善的商业及零售银行业务。
On sep . , 13 , flagship branch of the bank formally practiced in shanghai , still with focus on providing plentiful retail banking products ? that is to say , the bank is sparing no pains to develop its retail banking 9月13日，花期银行旗舰分行正式在上海开业，这加分行将仍然以提供丰富的零售银行产品为核心花期正在为推广其零售银行业务而不遗余力。
This transaction will allow icbc ( asia ) to become the sixth largest bank ( in terms of total assets ) among listed banks operating in hong kong , with substantially larger and stronger commercial and retail banking operations 这项交易令中国工商银行（亚洲）成为全港上市银行中之第六大银行（以总资产值计算） ，拥有更具规模、更完善的商业及零售银行业务。
Mr wong said at the ceremony : " the further development of retail banking remains a major target of icbc asia . our ongoing network re - alignment and enhancement efforts will help drive our strategy to recognize new growth opportunities in retail banking 黄远辉先生表示：零售银行业务是中国工商银行亚洲重点拓展的业务领域，本行将继续重整分行网络，逐步将现有的分行扩充和优化翻新，或迁至更佳的地点。
It must be noted that the west in particular in some countries , such as manufacturers and retailers non - bank competitors , the industry is also using its own extensive sales distribution network through its various retail banking institutions in market segmentation 特别必须指出的是西方一些国家的制造商和零售商等非银行的业外竞争者也利用自己分布广泛的销售网络,通过自己的机构开展各类零售银行业务,参与市场分割。
Retail banking is traditional commercial banking field advantage , but as countries have open financial markets over the past financial management classification threshold is gradually blurred out , the banking , securities and insurance companies operating cross - cutting growing 零售银行业务是商业银行传统的优势领域,但随着各国先后开放金融市场,过去金融分类管理的界限正在逐渐模糊淡化,银行、证券与保险公司业务的相互交叉日益普遍。
This grouping comprises all the locally incorporated banks plus a number of the larger foreign banks that are not locally incorporated but whose operations are similar to those of the locally incorporated banks in that they operate a branch network and are active in retail banking 这个组别包括所有本地注册银行及几家大型境外银行；这些大型境外银行虽然并非在本港注册成立，但其业务与本地注册银行近似，同样设有分行网络，亦活跃于零售银行业务。
Part ii ( the case analysis ) : according the statistics of hsbc ( macau ) , the gross profit of the whole banking business in 2001 was slightly increased even the economic was slow . also , the bank considered that the profit from interest - income business should be the main business if the interest rate is increased . also , the needs of customers in personal financial services are being increased 第二部分(案例分析) ：根据汇丰银行的主要财务数据分析得出，即使在经济市况疲弱的环境下，银行的整体收入在2000年至2001年的盈利录得轻微增长，因此银行考虑到当利率回升的时候，贷款业务所带来的利润，将会再次成为银行的主要收入来源，此外随着客户对个人理财服务的需求增大，银行将在个人零售银行业务取得稳定的收益。
