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http://www.worldbank.org/html/dec/Publications/Workpapers/wps1533-abstract.html
there are details about universal banking in this site. if u take lighter side of it its like kirane maal ka dukhan u get everything. as the banker classify ur regions into a b & c etc ie premium segment, middle and low. premium u do only class bkg. middle u do both class and mass. low for mass banking exclusive.
best benefits if u mix ur fund raising costs and effectively deploy it based on proper ror.
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