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Bank is a financial intermediary which mobilizes deposits from saver surplus to deficit spenders. A bank is a financial institution that accepts deposits from the public and creates demand deposits while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets."Chunk 2:"Banks play an important role in financial stability and the economy of a country. Most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized fractional-reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities."