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Retail generally refers to individuals as customers and small business customers. Generally it takes place in local branches, online sites, and bank by phone. The same bank may serve commercial customers but typically these customers have an assigned officer and a special terminal in their Treasury Department to transact business. Investment banks focus on the capital markets.
Definition of Wholesale. Wholesale refers to the selling of goods to the customers like retailers, industries, and others in bulk, at a low price. It is a type of business in which goods are being purchased from the producers by the wholesaler in big lots, and then the bulk is split into comparatively smaller lots.