According to "Introduction to Banking", Barbara Casu, Claudia Giradone, Philip Molyneux; 2nd edition,

2.2 Why is the ability to collect retail deposits such an important feature? 2.3 How do banks create money? Explain the theory of the credit multiplier. 2.4 Define universal banking. Discuss the advan- tages and disadvantages of a universal bank- ing system. Has the 2007-2009 financial crisis exposed the weaknesses of the universal bank business model? 2.5 Discuss the main services offered by banks