<prompt> Translate the following text to EnglishSiku hizi benki ni kwa njia yoyote kuthibitishwa kufanya ili kugeuka faida wanapaswa kufanya kazi kwa bidii, uvumbuzi - na kuchukua hatari kubwa.  <response>: Nowadays banks are by no means guaranteed to make To turn a profit they must work hard, innovate--and take big risks. 