In acting as financial intermediaries, what needs and desires of savers and borrowers must a bank consider?

The needs and desires of savers and borrowers must be considered for a bank to be a successful intermediary. Funds are gather by savers in hope to earn a return. The funds provided by savers are packaged and lended to the borrowers by the bank. The bank needs to consider how much savers hope to earn and how much are borrowers willing to pay. Further, savers usually save relatively small amounts while borrowers usually want to borrow relatively larger amounts. Therefore, the funds of savers must be packaged to meet the needs of borrowers. There is also duration to consider. A bank needs to consider how long a saver is willing to lend before they want their capital and the bank needs to determine how long a borrower needs to pay back funds with interest.