banking products, banking services, consumer loans, financial advising, cash management, equipment leasing, financial lease, lease with an option to buy, venture capital loans, insurance policies, retirement plans, security dealing, security dealer, security broker, mutual fund management, other investment products, merchant banking, investment banking, risk management, hedging, intermediation function, payments function, guarantor function, trust, trustee, trust service, risk management function, investment banking function, financial advisory function, safekeeping function, agency role, policy role, monetary policy, fiscal policy, monetary policy transmission mechanism, liquidity function,