Which statement is true regarding retail and wholesale clients in banking?

Wholesale clients can access a wider range of investments primarily due to their significant capital and the tailored services offered by financial institutions. This client group, often composed of corporations, institutional investors, and high-net-worth individuals, requires specialized financial products that are not typically available to retail clients. Banks are more inclined to provide these clients with unique instruments and comprehensive services, such as customized loans, private equity, and sophisticated derivatives, which can enhance their investment strategies and yield better returns.

Retail clients, in contrast, usually have access to more standardized investment options designed for the general public, which are easier to manage but might not offer the same level of customization or exclusivity that wholesale clients enjoy. This fundamental distinction underscores why wholesale clients are afforded broader access to investment opportunities, allowing them to navigate the financial markets more effectively.