Full service bank - This is the characteristic of commercial banks, The spread (net interest income) - The difference between what a bank pays in interest and what it receives in interest, Profit - what is left of revenue after costs are deducted, Identity theft  - occurs when some one intentionally obtains another person’s personal information to use that information for personal gain, Deregulation - loosening of government control, Niche market  - a specific customer base in a defined location that wants particular services, Depositor - a person who puts money into a bank, Creditworthy - describes a customer with a good credit rating, sufficient collateral for loans, and ongoing income., Wholesale bank - commercial banks that specialize only in business banking, Retail Banking - commercial banks deal with the common people or SMEs rather than big company or organization,

Chap1_Banking terms

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