Financial products in banking sector

There is a variety of services provided under the head of consumer bank. A commercial bank provides ATM, Locker, Loans, Home Loans, Study Loans and Credit Card services to end consumers. The reason why these are known as consumer banking services is because the amount of credit creation in this sector is limited as compared to corporate banking. ATM and Locker Services are mostly provided to deposit holders or account holders of a bank. They can store their valuables in lockers guarded by the banks own staff and can deposit and withdraw money using the ATM card provided by the bank. Similarly, Home Loans are provided on an application from the banks customers and same is the case with study loans. Credit Cards are not usually provided by banks. They are issued by international carriers