Scale has become increasingly important for retail banking in America.

对于美国的零售银行业务来说，规模已经变得越来越重要。

Retail banking in Britain will probably become a lot more boring, quite a bit safer and somewhat less profitable.

英国零售银行业将可能将变得更加单调，更加安全，另外--从某种意义上来说--更加缺乏盈利性。

The growing popularity of such alternatives is upsetting the logic of retail banking.

此类替代方案的日益普及正在扰乱零售银行业务的逻辑。

But at Goldman Sachs, where net income was down by 43%, year on year, another problem is its expansion into retail banking.

但在净利润同比下降43%的高盛，另一个问题是其向零售银行业务的扩张。

The call sounds familiar. Foreign financiers have been knocking at China's door for generations, with an eye to every corner of the industry, from retail banking to securities.

这种呼唤似曾相识。几代外国金融家都在敲中国市场的大门，他们看上了这个行业从零售银行到证券的每个角落。