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A bank is a financial institution that creates credit by lending money to a borrower, thereby creating a corresponding deposit on the bank's balance sheet. Lending activities can be performed either directly or indirectly through capital markets . Due to their importance in the financial system and influence on national economies , banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only
Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world . In the history of banking , a number of banking dynasties — notably, the Medicis , the Fuggers , the Welsers , the Berenbergs and the Rothschilds — have played a central role over many centuries. The oldest existing retail bank is Monte dei Paschi di Siena , while the oldest existing merchan
BankÉ™ (also, Bank , Banka , Bankov , Imeni Kirova , Rybokombinat Imeni Kirova , Severo-Vostochnyy Bank , and Severo-Vostotchnyi Bank ) is a village and the most populous municipality, except for the capital Neftçala , in the Neftchala Rayon of Azerbaijan . It has a population of 7,574.