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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