<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31315951</termId><termName>financial institutions</termName><termType>PT</termType><termNote><![CDATA[ Institutions that provide financial services for clients or members, usually able to both accept deposits and make loans. Examples include banks, credit unions, savings associations, trust companies, and industrial loan and thrift companies.  ]]></termNote><termCreatedDate>2026-03-30 20:25:06</termCreatedDate><relation><relationType>UF</relationType><termId>31315952</termId><termName>financial institution</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31315953</termId><termName>institutions, financial</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31303503</termId><termName>institutions by activity</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31339360</termId><termName>clearinghouses</termName><termType>PT</termType></relation><relation><relationType>NT</relationType><termId>31339363</termId><termName>banks</termName><termType>PT</termType></relation><relation><relationType>RT</relationType><termId>31381005</termId><termName>financial institutions</termName><termType>PT</termType></relation></term>  </Zthes>