Banking (1051)

Banking industry accepts deposits and make commercial, industrial, and consumer loans. Economic activity and the level of interest rates drive the demand. Individual banks’ profitability depends on marketing skills, efficient operations, and good risk management. In some segments of the industry large economies of scale exist, which has encouraged industry consolidation. Smaller banks and credit unions can compete in segments where customer service or knowledge of the local market is more important, big banks are becoming increasingly dominant. Mainly through interest income and service fees banks generate revenue. Some banks have significant revenue from investment activities and for commercial banks interest income generates more than half of revenue.

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