首先可以先了解一下multiple bank。

A bank that provides more than one type of banking service. For example, a bank that provides retail services, investment banking services, and brokerage services is a multiple bank. In the United States, multiple banks have become more common since the repeal of the Glass-Steagall Act in 1999.

即所谓的全能银行，多功能银行。

multiple banking是指多功能银行业务或全能银行业务，指银行为客户提供多种类型的业务服务，而不仅仅是储蓄和贷款等几项专门服务。