JAMB - Economics (1978 - No. 7)

A commercial bank is unique in that it is the only institution that
makes loans to private people and businessmen
accept deposits
can store peoples' valuables
can transfer money from one place to another for its customers
saves money through the granting of credits

Explanation

The most distinctive features of a commercial bank are borrowing and lending, i.e, acceptance of deposits and lending of money to earn Interest (profit). 

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