2022-04-29 17:40:07版本: Higher deposit balances per branch, higher rates of customer retention, lower cost of deposits, lower efficiency ratio and lower charge-offs. 这些优势有：每个支行更高的存款余额；更高的客户维系率；更低的存款吸纳成本；更低的效益比率；以及更少的坏账注销等。