Coming to what I like about Banks..
The best thing I can mention is indeed 'loan and debts'. One can finance expensive things which is usually not in his reach with bank loans. Moreover, interest rates as charged by banks are more or less within consumers reach. Most of the time, banks are cheapest mean of raising funds.
Now coming to what I not at all like about Banks..
The worst thing I can mention is indeed 'loan and debts'. From point of view of customers, banks generally manipulate customers due to their ignorance as well as own their commodity through 'hire purchases'. Most of the times, customers are not real owner of commodity until they pay off debts. While from the view of banks, usually big house as well as minor borrowers turn NPA thus contributing to the loss of national wealth.