Global banks and the internationalisation of retail banking

Numerous banks have expanded internationally in recent years. Research reluctant to accept that retail will prove a successful banking segment within those operations is not scarce. This study questions that notion by reviewing banks that operate on a wide international scale, and analysing their retail banking developments.

 

This paper finds that global banks rely heavily on retail as a source of income, especially from operations in foreign markets. Global banks successful in international retail banking are those that drastically improve foreign subsidiary performance to cultivate income-earning opportunities which may insulate them from adverse financial shocks.

 

Under that notion, this paper shows specific examples of relatively successful global banks, while also finding examples of banks not yet able to claim the same level of success.