Answer:
d) have become increasingly similar in recent years.
Explanation:
Commercial banks -
They are the type of financial institution , which offer account service , accept deposits , offer loan services .
These bank ear their income via providing loan and earning from the interests .
Similarly are the Thrift institution ,
They are also the type of financial institutions , and have the majority of the funds from the public savings .
And in the recent times , both Commercial banks and Thrift institutions are becoming almost the same .
