Russian banks tend to be small, badly run, and do little deposit-taking and lending.
And Mr Sun is scaling down his deposit-taking operation, restricting it now to company workers.
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You can see the problem of combining high-risk trading with lower-risk deposit-taking at J.
The firm at the center of the storm, American International Group, had only a minor deposit-taking operation.
Take the distinction that some make between deposit-taking institutions, which should be protected, and wholesale-funded entities, which should not.
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Its deposit-taking prowess rested on alluring interest rates rather than relations with customers.
BNP's tortuous capture of Fortis gives it the euro area's biggest deposit-taking franchise.
There is money to be made in foreign exchange, deposit-taking, and careful corporate lending (to oil exporters, for example).
Their deposit-taking more than matches their loan-making, and they keep a fifth of their deposits in reserve at the central bank.
Banking reforms now before parliament would allow regulators to focus on deposit-taking banks and not waste their resources on the pocket banks.
Diversified, deposit-taking universal banks can maintain higher credit ratings and can borrow more cheaply than specialist investment banks such as Morgan Stanley or Goldman Sachs.
They placed limits on interest rates, prohibited deposit-taking institutions from issuing securities, and, by preventing financial institutions from merging with one another, kept most of them relatively small.
The ring-fence structure makes a distinction between the bits of banking that need saving (deposit-taking banks, payment systems and the like) and the bits that do not (bonus-gorging investment bankers).
Regulators want to encourage more long-term funding and deposit-taking.
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For the same reason, he argues, the risk inherent in commercial banks' proprietary trading activities is not warranted and should not be backstopped by the safety net provided to ensure deposit-taking institutions' core activities.
In part that is because banks are keen to shed their fund-management arms, either because they need to raise capital or because they no longer see a business case for combining deposit-taking with portfolio management.
The Volcker rule, part of the Dodd-Frank legislation, which says that deposit-taking banks (as most investment banks scrambled to become in the financial crisis so they would have Fed access) cannot run proprietary trading desks.
The Prudential Regulation Authority, which will become the UK's regulator for deposit-taking institutions in April under the Bank of England, would have the power to ensure the ring-fenced bank to carry on with its business.
He said president Obama was not talking of a full-scale break-up of the banks but wanted to "separate retail deposit-taking from large-scale proprietary trading, large internal hedge funds and large internal private equity funds and I agree with him".
At the Davos conference in Switzerland, Bank of Canada Governor Mark Carney said U.S. efforts to prevent deposit-taking banks from trading with their own money could damage markets in government bonds and other securities unless the plans are revised, according to Bloomberg Businessweek.
In February, US businessman John Napoli, 51, of Sevenoaks, Kent, was given a 12-month suspended sentence for unauthorised deposit taking.
Forcing banks back to the short-term debt markets for funding (or even to rely on their own deposit taking operations) is another baby step to getting the banks out of the emergency safety net.
Fonseka, 41, of Spring Grove Crescent, Hounslow, west London, is serving an eight-year sentence after being convicted of money laundering, 30 counts of deception and unauthorised deposit taking.
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