首先，这些银行可以将来自零售银行部门的低成本存款转移到投资银行部门。

The first is that they are able to channel cheap deposits from their retail businesses into their investment banks.

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因此，随着其公司银行和零售银行部门遭受与投行部门相似的困难，银行将会遭遇第二次金融危机。

As a result, Banks will experience a second wave of financial difficulties, as their commercial and retail arms go through similar pain to their investment-banking divisions.

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例如，零售银行经常帮助小型企业对冲他们的货币敞口，他们的投资银行部门也提供这样的服务。

For instance, retail Banks often help small companies hedge their currency exposures, a service also provided by their investment-banking arms.

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