It has been canny with its liabilities, too: over a third of its deposits pay no interest, a trade-off its small-business clients are willing to make in return for sharp service.

• 同样，该银行对于负债一直比较谨慎：由于多于三分之一储蓄不用支付利息，所以小企业愿意与其交易以获得这一良好的服务。