IBM研究报告：SMB Retail Banking Industry Brief

６６页 October 2002 pdf

The primary objective of any bank, just like any other business, is to generate a profit by selling goods and
services. The primary difference is the commodity for sale in a bank is money. The products that they have
are loans, deposits and the variety of other financial services that they sell in the marketplace. Top
objectives include:
　Obtain low cost funds,
　Generate revenue for the bank,
　 Control operating costs,
　Maintain and grow customer loyalty, and
　Manage risk.