One of the more discernible trends in the financial-service industry in re cent times has

been the adoption of programs designed to encourage more personalized relationships between an institution's employees and its clients, particularly those clients who are major depositors. The expression most commonly used to describe this type of program is "relationship banking". A good definition is provided in the 1985 book "Marketing Financial Services":

In relationship banking the emphasis is on establishing a long-term multiple-service relationship; on satisfying the totality of the client's financial service needs; and on minimizing the need or desire of clients to splinter their financial business among various institutions.

Implicit within any definition of relationship banking is recognition that the financial-service requirements of one individual or relatively homogeneous group. A successful relationship banking program is, therefore, dependent in a large part on the development of a series of "financial-serviced packages": each designed to meet the needs of identifiable homogeneous groups.

Another dimension of relationship banking is the development of highly personalized relationships between employee and client. In most financial institutions today the client is serviced by any employee who happens to be free at the time, regardless of the nature of the transaction. Personalized relation ships are therefore difficult to establish. In a full relationship banking pro gram, however, the client knows there is one individual within the institution who has intimate knowledge of the client's requirements and preferences regarding complex transactions. Over time, the client develops a high level of confidence in this employee. In short, a personalized relationship evolves between client and employee.

With what subject is the passage mainly concerned？

A．The decline of the financial-service industry.

B．Variety within financial services.

C．A way of making banking more personal.

D．Increasing everyday banking transactions.