Welcome to Chapter 2 of JAIIB Paper IV – Retail Banking & Wealth Management. This chapter delves into how retail banking plays a pivotal role in a bank’s internal operations, profit generation, brand building, and overall strategic positioning. Far beyond just serving customers, retail banking is a core revenue engine and operational pillar of modern banks.

In this chapter, you will learn about:

✅ The key functions of retail banking beyond front-end service
✅ How retail banking mobilizes low-cost deposits (CASA)
✅ Its major contribution to bank profitability through interest and fee-based income
✅ The concept of risk diversification through small-ticket retail lending
✅ The role of retail banks in implementing RBI’s monetary policies
✅ Various business models of retail banking: SBU, Departmental, Integrated, and Target Market

We’ve designed this chapter with an exam-focused approach. You’ll find:

📄 Downloadable chapter-wise PDF with in-depth explanations
📌 Bullet-point summaries to help with quick revision
❓ Important questions based on the latest JAIIB exam pattern
🧠 Chapter-wise quiz to test your conceptual clarity and exam readiness

🚀 Tip: Don’t just read—revise and quiz yourself! The summary and quiz below will help you master this chapter effectively.