• Post Graduate Program In Finance And Accounting
    Co-created with Grant Thornton
    4.9 out of 5 by 238 learners
    14 X industry demand
  • Professional Certification in FinTech
    Co-created with SP Jain School of Global Management
    4.6 out of 5 by 1250 learners
    6X industry demand
  • Credit Risk and Underwriting Prodegree
    Co-created with Moody’s Analytics
    4.5 out of 5 by 526 learners
    4X industry demand
  • Banking And Wealth Management Bootcamp
    4.7 out of 5 by 460 learners
    3X industry demand
  • Post Graduate Program In Capital Markets
    4.7 out of 5 by 807 learners
    3X industry demand
  • Certified Investment Banking Operations Professional
    4.8 out of 5 by 7600 learners
    8X indsutry demand
  • Post Graduate In New Age Banking
    4.6 out of 5 by 1726 learners
    4X industry demand
  • Financial Analysis Prodegree
    Co-created with KPMG
    4.7 out of 5 by 3311 learners
    4X indsutry demand

 
Investment banks help corporations, companies, and governments raise capital, assist in mergers and acquisitions, and provide ancillary services such as derivatives trading, foreign exchange, equity securities, and making markets. They act as intermediaries between buyers and sellers of stock as well. Investment banking training is extensive with the aim of having an in-depth knowledge of financial markets and concepts.
Commercial banks, or retail banks, on the other hand, are set up to deal with commercial transactions like legally taking money from individuals and corporations in the form of accounts and then lending the capital to others with interest.
Any investment banking course providing investment banking certifications will explain that an investment banker deals with companies as a financial intermediary and provides investment and financial advisory services. A commercial or retail bank provides banking services to the general public. Since a commercial bank works with the public, their customer base is much larger than that of investment banks who only works with companies.
One of the key differences between these two types of banking industries lies in the relationship and services offered by both. A commercial bank will only provide standardized services while an investment bank will personalize their services and give customer specific advice. Commercial banks are highly regulated by the government and Reserve Bank, making them more risk averse while investment banks have a higher tolerance for risk since they have lesser regulations. This makes the rewards for investment banking higher. Conversely, the losses in investment banking can be much more substantial.
The role of an investment bank is to identify companies that will benefit from their services and then make a presentation to them. For example, with Amazon looking to increase its footprint across sectors, an investment bank can identify other, smaller companies who already have existing inroads in that sector, and pitch to Amazon to try to acquire the smaller company. This was seen with Amazon buying Whole Foods.
Another way investment banks work is by identifying companies that require extra capital investment in order to increase their growth. While these companies might be considering traditional commercial banks for a loan, they might be deterred by the high-interest rates. An investment banker can pitch different ideas, mainly the creation of equity or releasing bonds, to the company. The investment bank is also responsible for drawing up the legal documents for such processes. They make money by charging a commission or a fee. Sometimes, they might even buy some bonds or stock in the company.
A commercial bank provides services that are associated with traditional banking systems for individuals. They will help you procure a loan against interest with collateral or help you open and create various accounts such as RD, FD, current deposits, savings accounts, and more. These services are already pre-defined and do not change from person to person.
There are many banks that proved both forms of banking. For example, it is not uncommon to see banks help a company set up and sell an IPO and then use the commercial side to provide a line of credit to the company. This will ensure that the company enjoys quick financial growth and in turn, increase its stock prices.

For Online Course Enquiries
About Imarticus
Imarticus Learning is India’s leading professional education institute that offers training in Financial Services, Data Analytics & Technology. We’ve successfully transformed careers of over 35,000+ individuals globally through our Certification, Prodegree, and Post Graduate programs offered in association with leading and renowned global organisations in the Financial Services, Data Analytics & Technology domain.
Related course
  • Post Graduate
    Post Graduate Program In Finance And Accounting
    Co-created with Grant Thornton
    Course duration(months)
    4
    Upcoming batches
    1
    Organizations enrolled
    20
    4.9 out of 5 by 238 learners
    14 X industry demand
    Upcoming Batches
    Date Location Schedule
    None DELHI Online
    Date Location Schedule
  • Prodegree
    Professional Certification in FinTech
    Co-created with SP Jain School of Global Management
    Course duration(Months)
    4
    Upcoming batches
    1
    Organizations enrolled
    20
    4.6 out of 5 by 1250 learners
    6X industry demand
    Upcoming Batches
    Date Location Schedule
    none ONLINE Online
    Date Location Schedule
  • PRODEGREE
    Credit Risk and Underwriting Prodegree
    Co-created with Moody’s Analytics
    Course duration(Months)
    3
    Upcoming batches
    1
    Organizations enrolled
    20
    4.5 out of 5 by 526 learners
    4X industry demand
    Upcoming Batches
    Date Location Schedule
    30th-May ONLINE Weekend
    Date Location Schedule
  • Certification
    Banking And Wealth Management Bootcamp
    Course duration(Months)
    2-3
    Upcoming batches
    1
    Organizations enrolled
    20
    4.7 out of 5 by 460 learners
    3X industry demand
    Upcoming Batches
    Date Location Schedule
    Not Available ONLINE Weekend
    Date Location Schedule
  • Post Graduation
    Post Graduate Program In Capital Markets
    Course duration(months)
    4
    Upcoming batches
    1
    Organizations enrolled
    20
    4.7 out of 5 by 807 learners
    3X industry demand
    Upcoming Batches
    Date Location Schedule
    Not Available ONLINE Online
    Date Location Schedule
  • Certification
    Certified Investment Banking Operations Professional
    Course duration(Months)
    2-3
    Upcoming batches
    1
    Organizations enrolled
    20
    4.8 out of 5 by 7600 learners
    8X indsutry demand
    Upcoming Batches
    Date Location Schedule
    26th-May THANE Weekday
    Date Location Schedule
  • Post Graduation
    Post Graduate In New Age Banking
    Course duration(months)
    4
    Upcoming batches
    1
    Organizations enrolled
    20
    4.6 out of 5 by 1726 learners
    4X industry demand
    Upcoming Batches
    Date Location Schedule
    None ONLINE Online
    Date Location Schedule
  • Prodegree
    Financial Analysis Prodegree
    Co-created with KPMG
    Course duration(Months)
    3
    Upcoming batches
    1
    Organizations enrolled
    20
    4.7 out of 5 by 3311 learners
    4X indsutry demand
    Upcoming Batches
    Date Location Schedule
    23rd-May ONLINE Weekend
    Date Location Schedule