Final answer:
External customers in a bank are those who utilize the bank's services but do not work for the bank, specifically individuals and companies with accounts in the bank. Correct options are D and E.
Step-by-step explanation:
The external customers in a bank are defined as entities or individuals that engage in transactions with the bank but are not part of its internal staff or stakeholder structure. In the context of the options provided, the correct responses are D. individuals with money in the bank and E. companies with accounts with the bank. These entities rely on the bank's services, like checking accounts, savings accounts, and foreign exchange, and in return, the bank earns revenue through the provision of these services. On the other hand, bank tellers, security guards, and receptionists are considered internal customers as they are part of the bank's workforce.