Banks perform incidentally a further service in developing better business methods in the community.

They enforce promptness and exactitude in business dealings.

In supplying credit to enterprises, banks are constantly passing judgment on the collateral security presented to them and on the soundness of the enterprises that are seeking support.

This gives to bankers great economic power, capable at times of misuse in political and social affairs, especially where a group of selfish men come to exercise a practical monopoly of business credit in any community.
Sec.13.

#Income of banks.# The income of banks is drawn from different sources, according to the size of the community and the nature of the banks.