Banks

If you work, you've probably got a bank account. Money in a bank savings account will earn interest (процент). It will help compensate for the effect of inflation.

Also banks offer other services like lending money. Businessmen and individuals often need to borrow money. Banks are reliable lenders.

Other banks' service is making money more accessible for customers. For example, banks help people transfer money securely. They give customers credit cards. They provide ATM machines, so people can get money any time of day and night