Banks typically issue which of the following?

• A. Insurance policies
• B. Loans
• C. Credit scores
• D. Stock certificates

Answer: (B)

Banks issue loans because lending money and earning interest is their primary service. By taking deposits and turning a portion of those funds into loan agreements—mortgages, auto loans, personal loans, or business loans—banks help customers finance purchases and grow their activities. Insurance policies come from insurance companies, not banks. Credit scores are produced by credit bureaus and lenders and used to assess credit risk, not issued by banks. Stock certificates represent ownership in a company; while banks can issue stock as a corporation, that’s not the typical product customers interact with in everyday banking.