Fiduciary

I was reading a report analyzing the Iraqi Banking System on account of a project we're working on.
There is lots of problems, but I thought there was an interesting piece of irony in the summary.
[After talking about massive failure of the system]...The most critical shortcoming is the failure of the banks to perform their principal function as financial intermediaries--to attract deposits and lend funds to credit-worthy enterprises throughout the country.

Interesting.