hoiusepank

Hoiusepank, often translated as deposit bank, refers to a financial institution whose primary business is accepting deposits from the public. These deposits are then pooled and used by the bank to offer loans to individuals and businesses, invest in securities, and fund other financial activities. The core function of a deposit bank is to act as an intermediary between savers and borrowers.

Customers deposit their money into accounts such as checking, savings, or certificates of deposit, receiving interest in return for allowing the bank to use their funds. In exchange, the bank provides a safe place to store money and facilitates transactions through services like check clearing and electronic transfers. The safety of these deposits is often enhanced by government-backed insurance schemes, which protect depositors up to a certain limit in case of bank failure.

Deposit banks play a crucial role in the economy by facilitating the flow of capital, enabling investment, and supporting economic growth. They are a cornerstone of the modern financial system, providing essential services to individuals, businesses, and governments alike. The profitability of a deposit bank typically stems from the difference between the interest it earns on its loans and investments and the interest it pays out on deposits, known as the net interest margin.