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Sagot :
The correct answer is D. creating liquidity, lowering the cost of borrowing, lowering the cost of monitoring borrowers, and pooling risk.
They offer liquidity, safekeeping services, a check and electronic funds transfer payment system, pool the savings of numerous depositors and lend the money to individuals and businesses, and invest in assets. In the United States, there are three main categories of depository institutions. These include credit unions, commercial banks, and thrifts (which also include savings and loan organizations and savings banks). Organizations, banks, or other institutions that keep securities and support the trading of securities may act as depositories. They give safety and liquidity, invest in assets, lend to others with the money deposited, and provide a means for transferring cash.
To learn more about pooling risk click the link below:
brainly.com/question/13105567
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