Banking end-users are divided into three major categories: the employees of a bank, business partners, and actual retail customers.

银行业务最终用户分为三大类：银行的员工、业务合作伙伴和实际零售客户。

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Mr Lewis has long wanted to expand in mortgages, the only "cornerstone" retail-banking business in which his bank is not a force.

Lewis先生对在抵押贷款市场的扩张期待已久，因为这是零售银行业务的基石中，美国银行唯一不擅长的一块。

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“He was good at fixing the infrastructure and the finances of the business, ” says Paul Lejuez, a retail analyst at CSFB, an investment bank.

瑞士信贷第一波士顿银行（CSFB）零售业分析师Paul Lejuez说：“保罗专擅基建及其财务方面。”

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"Our bank has to survive doing retail business, " says Kim.

CNN: HERE COME THE MAVERICKS

After warning of falling profits, and in the wake of a mix-up in March in the pricing of some options, it is being forced by unhappy shareholders to reconsider its strategy of building a global investment bank in tandem with its retail business.

ECONOMIST: Those two capitalisms, again

Instead of trying to expand into investment banking, a business with juicy margins in good times but horrible losses in bad, Erste Bank has instead concentrated on expanding its retail banking business into central and eastern Europe, where it has subsidiaries stretching from Austria to Ukraine.

ECONOMIST: Face value