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Banks act as intermediaries that borrow money through deposits and other liabilities, and lend money by issuing loans and holding securities. Over time, banks have shifted their assets away from cash and government securities toward loans, especially mortgages. Banks face various risks including credit risk, interest rate risk, liquidity risk, and trading risk. Major trends in banking include consolidation through mergers, engagement in more non-traditional banking activities due to deregulation, and global

Author

sandeep

Language

EN