1.1.3.2 Based on the business strategy
a. Wholesale banking: NH kind transactions only and provide services for enterprise customers rather than dealing with individual customers.
B. Retail banking: the type of bank transactions and the provision of services for individual customers.
C. Wholesale Banking has retail medium: the kind of transaction banking and the provision of services to both corporate customers and individual customers.
1.1.3.3. Based on the nature of operations
a. Specialized Banks: NH just kind of professional activities in a sector such as agriculture, export, investment ...
b. Integrated business banking: NH kind operating in all areas of economic and perform almost all transactions that a bank can be allowed to perform.
1.1.4 Functions of commercial banks
generally Commercial Bank has three main functions include: A credit intermediaries, intermediary payments, money creation function.
a. Credit intermediation function
when performing the function of a credit intermediary, commercial banks act as a "bridge" between people who have excess capital and capital needs.
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