This class includes the receiving of deposits and/or close substitutes for deposits and extending of credit or lending funds. The granting of credit can take a variety of forms, such as loans, mortgages, credit cards etc. These activities are generally carried out by monetary institutions other than central banks, such as: banks; savings banks; and credit unions.

This class also includes postal giro and postal savings bank activities; credit granting for house purchase by specialized deposits-taking institutions.

This class excludes:

Credit granting for house purchase by specialized non-depository institutions, see 6492;

Credit card transaction processing and settlement activities, see 6619.