yínhángwǎngdiǎn zài zhèlǐ, ér guìtái zài nàbiān.

Not quite. 银行 means bank, while 网点 literally means something like service point, branch location, or outlet.

So 银行网点 refers to a bank branch or bank service outlet, not the bank as an institution in general.

In this sentence, it most likely means the bank branch/location is here.

在 is used to show location.

• A 在 B = A is at/in/on B
• 是 is mainly used to say that one thing is another thing, like identification or classification.

So:

• 银行网点在这里。 = The bank branch is here.
• 柜台在那边。 = The counter is over there.

Using 是 here would sound unnatural because the sentence is talking about where something is, not what it is.

In Mandarin, 在 already does the job of expressing location, so you do not need a separate word like English is.

English:

• The counter is over there.

Chinese:

• 柜台在那边。

Here, 在 covers the idea of is located at.

而 here links two parts of the sentence and gives a mild sense of while, whereas, or and... meanwhile.

So the structure is:

• 银行网点在这里， = The bank branch is here,
• 而柜台在那边。 = while the counter is over there.

It sounds a bit more written or formal than everyday spoken Mandarin. In casual speech, people might simply say:

• 银行网点在这里，柜台在那边。

or even use 但是 only if they really want a contrast, though 但是 is usually stronger than needed here.

It is understandable and correct, but it sounds a little more written, formal, or neat than plain everyday speech.

In normal conversation, many people would just say:

• 银行网点在这里，柜台在那边。

The meaning stays the same.
So yes, you should recognize 而, but you do not need to use it all the time in speech.

Both refer to place, but they feel slightly different:

• 这里 = here
• 那边 = over there / that side

这里 points to a location near the speaker.
那边 points to a place farther away, often with a sense of over in that direction.

So 那边 can sound a little more directional than 那里.

They are similar, but not identical:

• 那里 = there
• 那边 = over there / that side / in that direction

那边 often emphasizes direction or area a bit more.

For example:

• 洗手间在那里。 = The restroom is there.
• 洗手间在那边。 = The restroom is over there.

In your sentence, 柜台在那边 sounds very natural because someone is likely pointing toward the counter.

Yes, often it can.

• 这里 = here
• 这边 = this side / over here

In many real-life situations, both work:

• 银行网点在这里。
• 银行网点在这边。

这边 can feel slightly more like over here on this side, especially when giving directions.

柜台 literally means counter. In a bank, it usually refers to the service counter or teller counter where customers go for transactions.

So depending on context, you could understand it as:

• counter
• service desk
• teller counter/window

In this sentence, it most likely means the place where customers are served.

Mandarin commonly uses this pattern for location:

thing + 在 + place

So:

• 柜台在那边 = The counter is over there
• 银行网点在这里 = The bank branch is here

This is one of the most basic and important location patterns in Mandarin.

Normally, no. Each clause needs its own location marker.

So this is natural:

• 银行网点在这里，而柜台在那边。

But this would sound incomplete or incorrect:

• 银行网点在这里，而柜台那边。

Because 柜台 still needs 在 to show where it is.

The comma separates the two clauses:

• 银行网点在这里
• 而柜台在那边

This is very common in Chinese punctuation when two related statements are joined together, especially in slightly more formal writing.

Chinese commas are often used a bit more freely than English commas to mark pauses and clause boundaries.

It is pronounced:

yínháng wǎngdiǎn

A helpful breakdown:

• 银 — yín
• 行 — háng
• 网 — wǎng
• 点 — diǎn

A useful note: 行 has more than one pronunciation in Chinese, but in 银行 it is pronounced háng, not xíng.

Yes, it is natural and clear, especially in a slightly formal or informational style.

It sounds like someone is explaining the layout:

• The bank branch/service point is here, while the counter is over there.

In very casual speech, a person might simplify it, for example:

• 银行在这里，柜台在那边。
• 这边是银行网点，那边是柜台。

But your original sentence is perfectly correct and understandable.