Khadija Khartit. Investment banks and retail banks perform different functions, offer different services, and serve different customers. An investment bank organizes and provides capital raisings. ~ A mortgage is an agreement that sets forth the conditional right of ownership of a property or asset by its owner, the mortgagor, to a lender, the mortgagee, as security for a loan. When the loan is repaid in full, a bank is a financial institution regulated at the federal level, the state level, or both. The main role of banks is to accept deposits and provide loans. But banks can offer a wide range of products. During the mortgage application process, lenders will typically want to obtain months of checking and savings account statements. They will review these statements to confirm your income and spending history and ensure that you will be able to make your mortgage payments. If you are self-employed and do not have a W-2. In the bank lending process, risk may be assessed differently among different players, so communication plays an important role in creating the company's rating assessment. This article aims to. to understand. Loan Statements: A statement specifying the loan portfolio in terms of loan type, maturities, quality and size of loans. 2. Establish a lending authority: This should clearly define the type of loan and the maximum loan amount that each loan officer or committee is authorized to approve. 3.MID-SEMESTER EXAM. RETAIL BANKING. MCQS 1 Different banking offer. The product has a different name, such as flexible deposit account, multiple deposit account, quantum deposit account, etc. In case of a retail bank, the loan amount will be the same. While the clientele will be. And the interest,