3
Retail banking
At the heart of banking is the acceptance of deposits, the making of loans and enabling customers to make payments. This chapter describes the deposit-taking function of banks and introduces lending methods and structures for individuals and small and medium-size businesses. The next chapter looks at payment systems and the wide variety of other activities performed by retail banks.
Assets and liabilities
The main source of funds for banks is deposits, as shown in Table 3.1; this provides a very crude breakdown of the sources of funds available to banks. The proportions vary from bank to bank depending on whether the bank is purely retail banking focused or has moved into corporate or investment banking (indeed many investment ...
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