Dhaka, Feb. 24 -- Can we not look for an alternative model of banking business where depositors would be placed in a new relationship, and lending conditionalities would change? Banks deal in money mostly owned by depositors while deposits are neither termed as equity fund nor borrowed fund, but the single largest source of a bank's life-blood. Money capital is primarily supplied by individuals and institutions popularly known as shareholders or owners of a bank. The size of paid-up capital contributed by traditionally and legally defined shareholders is very small in proportion to total capital of the bank. The fundamental question is: Who are the real owners of a banking firm- shareholders or depositors? Traditionally, historically and ...