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How Banks Earn Money? - Business Model of Banks - Dhruv RatheeThe Banking Information and Statistics � Stored Value Card � Electronic Payment Account � NPL Ratio for Domestic Banks � Credit Card � Cash Card � Profit Before. A bank is a financial institution licensed to receive deposits and make loans. � There are several types of banks including retail, commercial, and investment. A bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets.