Abstract:

The company is the target of commercial banks in the structured address of range of products, because the bank works for clients using financial and nonfinancial resources largely derived  from some and sold in some other way to others for profit. It is a process of redistribution of resources between the two categories of private clients in a rude view, of those who save their funds and deposits in commercial banks and those who borrow under  various forms from banks in order  to meet certain requirements more or less urgent. All customers are characterized by the level of confidence in  the banking system which offers the possibility of saving by making deposits  and to which they receive the interest, according to the conventions transacted as well as the loans they take and for which they pay the  interests and commissions   according to the contracts signed with the bank .Innovation involves primarily a fast and flexible action to changes of the  competitive menu, maintaining and enhancing open market shares by adapting continuously to client expectations, overtaking natural saturation limits by creating alternative use of products and services offered by the  bank and the increase launching rate of  new products in order to reduce replacement time, adaptation and adjustment to the banks  portofolio for the products.