西方银行业将银行业务分为Wholesale Banking和Retail Banking两类。

wholesale一般指批发（将货物成批地卖给零售商，而不是向消费者直接出售。），在银行业也是如此。wholesale banking即批发银行业务。银行批发业务是指在货币市场和资本市场从事大额融资中介的金融活动，其对象是大型工商企业和机构，单笔业务数额大。主要从事批发业务的金融机构就是批发银行。

Wholesale banking refers to banking services sold to large clients, such as other banks, other financial institutions, government agencies, large corporations, and real estate developers. Wholesale banking services include currency conversion, working capital financing, large trade transactions, mergers and acquisitions, consultancy, and underwriting, among other services.

wholesale financing 批发融资：指金融机构之间融资资金量较大，戏称为批发性融资，主要方式一般为银行间的拆借款项。

wholesale lending批发贷款

retail一般指零售，retail banking即零售银行业务。

银行零售业务（也叫零售金融业务）一般主要指商业银行以自然人或家庭及小企业为服务对象，提供存款、融资、委托理财、有价证券交易、代理服务、委托咨询等各类金融服务的业务，是商业银行提供一站式打包产品和服务的主要途径，是商业银行开辟新市场、新领域、新经营方式的主要工具。

Retail banking, also known as consumer banking or personal banking, is banking that provides financial services to individual consumers rather than businesses. Retail banking is a way for individual consumers to manage their money, have access to credit, and deposit their money in a secure manner. Services offered by retail banks include checking and savings accounts, mortgages, personal loans, credit cards, and certificates of deposit (CDs).

以下为相关双语示例，供参考：

He has held a number of senior IT management and leadership positions with Pfizer and also previously worked for Braxxon Technology Limited and Data Logic Limited in the wholesale banking industry in London, specializing in front-office systems as well as IT operational effectiveness. 

他在英国的Pfizer公司担任过许多高级 IT 管理及领导职位，在此之前，他还在伦敦批发银行业里的Braxxon Technology Limited和Data Logic Limited工作过，专门从事前端办公系统及IT运行效能的工作。

After the transfer, Citibank HK Branch would continue to carry on its corporate banking business, private banking business and any other businesses other than retail banking business. 

完成移转计划后，花旗香港分行将会继续经营其公司银行业务、私人银行业务，以及零售银行业务以外的任何其他业务。