Another respondent, a retail bank, recouped its investment in real-time decision analysis in just four months.
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Its financing partner, Sberbank, Russia's biggest retail bank, will have 35% and employees 10%.
As the largest retail bank in the UK, Lloyds is preparing for years of hard grind.
The uneven results of the North American retail bank have weighed on Citigroup's results.
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Lloyds, for instance, has a net-interest margin of more than 2% in its retail bank.
BfG Bank, a retail bank, in a deal that could cost it DM5 billion.
IPB, although a popular retail bank, had a bad reputation for buying political favours from both main parties.
Indeed, with a nice irony, apart from the post office, the best retail bank in Japan is Citigroup.
The retail bank will hold thick buffers of equity and loss-bearing debt that far exceed those agreed to internationally.
Earlier in April Credito Italiano, another retail bank, and Unicredito, a trinity of savings banks, announced that they will join forces.
One large retail bank working with RainStor has a data warehouse with about one petabyte of data dating back to 2009.
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It wants lots of profitable retail business (which, together with SocGen, France's most efficient retail bank, it thinks it could create).
Its Comdirect subsidiary was originally a remote version of the retail bank.
This is expected to lead to the partial nationalisation of Bankia, which is Spain's biggest retail bank with around 15% of domestic banking assets.
It is not a grotesque caricature to describe Deutsche these days as an investment bank, with a German commercial and retail bank tacked on.
The big flotation scheduled for this year, however, is that of Postbank, a subsidiary of Deutsche Post that is Germany's most successful retail bank.
Deutsche has vowed to go on as before, expanding its investment bank organically and trying to squeeze decent returns out of its retail bank.
DWS, or a big stake in Deutsche Bank 24, the new retail bank through which it wanted to distribute its insurance and fund-management products.
Ignacio Mas of the Gates Foundation explained that mobile banking enables financial transactions without the need for cash or brick and mortar retail bank locations.
TSB, a British retail bank formed by a merger in 1996.
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The jump in the bitcoin exchange rate this week also coincides with concerns euros could be taken from retail bank accounts in Cyprus to fund a bailout.
"There was a point at which the retail bank was not performing and not delivering on the expectations and I was asked to step in, " said Mr Cummings.
The user experience for retail bank customers is much improved.
Melissa Mounce, the company's senior vice president of corporate talent acquisition, says the company became concerned that its slow response time to applications was hurting its retail bank's brand.
Or, some might argue, a cleaner solution would be to physically separate the retail bank and investment bank - or to put it in starker terms, to break up Barclays.
Deutsche Bank is more like a bunch of franchises that include an investment bank, an asset-management arm, a retail bank, a commercial bank and a private bank for the well-off.
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And what of the Spanish government's supposedly bold plan to inject 19bn euros of new capital into Bankia, the country's largest pure retail bank, laid low by reckless property lending?
Bankinter, a retail bank, has responded to fury over home repossessions by introducing the first Spanish mortgage that can be walked away from, American-style, simply by handing over the keys.
Barclays' executives are Wall Streeters at heart, but that sentimental attachment counts for little with American regulators and politicians, who would hesitate to take responsibility for a too-big-to-fail British retail bank.
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