What share of revenue is generated from Retail Banking?

The selection of 12% as the share of revenue generated from Retail Banking aligns well with typical financial industry benchmarks. Retail banking encompasses a variety of consumer banking services, including checking and savings accounts, personal loans, mortgages, and credit cards, which collectively contribute a significant portion of a bank's overall revenue.

In many financial institutions, the retail banking segment exhibits stable income streams due to a broad customer base and the continual demand for personal financial services. Industry reports often indicate that retail banking can account for roughly 10% to 20% of total revenues, with 12% being a realistic figure that reflects average performance across various institutions.

This revenue percentage considers factors such as interest income from loans and service fees from account management, which are consistent and predictable sources of revenue as everyday consumers utilize banking services. The choice of 12% effectively represents a conservative and realistic estimate based on various economic conditions and banking performance metrics.