Investing for Beginners , investing

A commercial bank also commonly called just a bank is financial institution that has a license to provide financial services. 

The principal services provided by banks:

• Taking the deposits
• Providing credits for institutions and individuals
• Execution of money transfers (including electronic banking)
• Providing credit and debit cards
• Trading in currencies

In most countries commercial banks have subsidiaries that provide leasing, brokerage, investment banking services. Bank groups have several sources of income: interest income from interest rate spread between deposits and credits, commissions (from account administration, money transfers, currency trading) and investment services.

Some banks specializes only on retail banking (financial services for individuals) or corporate banking (financial services for companies) but most banks if they are not very small works in both areas.