Help: How to define the traditional business and emerging business of commercial banks? Specific classification

Traditional business mainly refers to lending, with deposit-loan spreads as operating income. Emerging businesses aim at collecting fees, such as paying wages, agency fund insurance, wealth management products, etc. Basically, these businesses only provide a platform for supply and demand, and some emerging businesses use venture capital as a means to obtain high profits. Of course, they are all accompanied by huge risks and strict regulatory requirements, which are rarely carried out in domestic banking.