Final answer:
Central banks do not make loans to individuals, households, or businesses other than banks. They are involved in national monetary policy and bank oversight, unlike commercial banks, savings and loans, and credit unions, which do provide public loans.
Step-by-step explanation:
The banks that do not make loans to individuals, households, or non-bank businesses are central banks. Central banks, such as the Federal Reserve in the United States, are primarily involved in overseeing the banking system, managing the national monetary policy, and providing services to other banks rather than making loans to the public.
They operate differently from commercial banks, savings and loans, and credit unions, all of which do provide loans to the public. Commercial banks attract depositors and make various types of loans. Savings institutions, sometimes called savings and loans or thrifts, typically focus on housing-related loans, while credit unions are member-owned nonprofits that also offer deposit accounts and loans to their members.