What is one major function of retail banks? A. Providing credit and debit cards to customers
B. Managing the payroll of major corporations
C. Keeping all deposits in reserve at all times
D. Offering loans that use car titles as collateral

D. Offering loans that use car titles as collateral

Explanation:

One vital source of income for commercial banks is the interest levied on loans. Therefore, issuing loans is a core function of commercial banks. Banks accept customer deposits, retain a small proposition as reverses, and loan out the bigger proportion to firms and individuals to make profits.

From the options provided , offering loans with car titles as collateral would be a key function of commercial banks.  Collateral is an asset provided by the borrower assures the bank of repayments.

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answer founder's agreement;