Facilitating Transactions is not always easy. First off, lets put things into perspective..... I'm of the belief that our Banks offer services to its "Clients". The Grocery store has "Customers", so a difference exist between Client Vs. Customer OK? Now, the next little concept is the "Know your Client" mantra. A Bank should know its clients; however, this day and age of branch-less banking it is becoming even more difficult to get to know your bankers and in turn, them knowing you. So, when something silly comes up and you plop yourself down in front of bank employees, they are caught a little off guard..... They don't know you and if you really represent what you say,. How do banks make a profit? Well, ya, they take deposits and then lend the money out but it's a bit more involved then that cause you have to understand the " Bank Efficiency Ratio ". So, the classical role of a bank is to efficiently manage funds. They nee
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