What are the traditional and new businesses of commercial banks?

Banking business can be categorized into traditional and complex business according to the complexity of the business and the degree of dependence on the branch network.

Traditional business, including general lending, simple foreign exchange trading and trade finance, is mainly supported by a large branch network and business volume.

Complex business, such as derivatives, structured finance, leasing, introduction of strategic investors, acquisitions, mergers and listings, etc., which do not rely very much on the branch network, are highly technical and profitable business areas.