Report subject money and capital markets topic commercial bank

TON DUC THANG UNIVERSITY FALCULTY OF BUSINESS ADMINISTRATION REPORT Subject: Money and Capital Markets Topic: COMMERCIAL BANK Lecturer: Do Thi Thanh Nhan Group: 02 Group members: To Vu Minh Chau Phan Tu Quyen Dinh Quang Hiep Nguyen Tran Dong Quan Major: International Business HCMC, 10th December , 2022 GROUP’S MEMBERS No Name Tô Vũ Minh Châu Student ID 720K0935 Phan Tú Quyên 720K0942 Đinh Quang Hiệp 720K0857 Nguyễn Trần Đông Quân 720K0982 Division work  Present  Summarize the report  Conclusion  Introduction  Chapter  Chapter  Powerpoint  Present  Present  Chapter  Present  Chapter Percentage 100% 100% 100% 100% Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank CONTENT INTRODUCTION .5 CHAPTER 1: GENERAL INTRODUCTION OF VIETNAM COMMERCIAL BANK SYSTEM 1.1 Definition of commercial bank 1.2 How does a commercial bank make money? 1.3 Function 1.3.1 Primary Functions 1.3.2 Secondary Functions 1.4 Types of commercial banks 1.4.1 Public Sector Banks .8 1.4.2 Private Sector Banks 1.4.3 Foreign Banks 1.5 Types of loans offered by commercial banks 1.5.1 Term loan .9 1.5.2 Bank Overdraft facility 1.5.3 Letter of credit .9 1.5.4 Bank Guarantee 1.5.5 Lease Finance 1.5.6 SME collateral-free loan 10 1.5.7 SME credit card 10 1.5.8 Commercial vehicle loans 10 1.6 Regulation by Central bank 10 1.7 SWOT analysis 11 1.7.1 Strengths 11 1.7.2 Weaknesses 11 1.7.3 Opportunities .11 1.7.4 Threat 11 CHAPTER 2: THE IMPORTANCE, THE ADVANTAGES, AND DISADVANTAGES OF COMMERCIAL BANK 12 2.1 The importance of commercial bank 12 2.1.1 Role of commercial banks in economic development .12 Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank 2.2 The advantages and disadvantages of commercial bank 13 2.2.1 The advantages of commercial bank .13 2.2.2 The disadvantages of commercial bank 14 CHAPTER 3: TOP OF THE BEST COMMERCIAL BANKS AND ANALYSIS OF THE BEST COMMERCIAL BANK IN VIETNAM 2022 .16 3.1 Top commercial Banks in Vietnam 2022 16 3.2 Analysis of Vietcombank commercial bank, Vietcombank South Sai Gon branch 16 3.2.1 Organization Structure 18 3.2.2 Capital analysis .21 3.2.3 Credit operations .22 3.2.4 Business report 23 CONCLUSION .25 REFERENCES 26 APPENDIX 28 Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank 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INTRODUCTION The banking industry consists of systems of financial institutions known as banks that assist people in storing and using their money Banks allow customers to open accounts for a variety of purposes, such as saving or investing money The banking industry is also beneficial to the economy because it provides resources for individuals, families, and businesses to use for transactions and investments One way the banking industry accomplishes this is by organizing and distributing loans to applicants for purposes such as purchasing real estate, starting a business, or financing a college education In the banking industry, there are many different types of professionals, each of whom serves a specific purpose in managing people's money Bank tellers, for example, can assist customers in opening and closing accounts, making deposits and withdrawals, and setting up recurring payments for other services A mortgage consultant is another type of baking professional who can assist individuals and families in applying for mortgages that allow them to purchase real estate Similarly, a credit analyst at a bank can examine a client's credit to determine whether they are a good candidate for a loan While the banking industry remains a constant in society, it changes as new trends emerge One of the most popular current banking trends is the use of online banking, which allows account holders to access and manage their funds from home via computer A closely related trend is the rise of mobile banking, which allows users to access their bank accounts via mobile devices Both of these trends are related to technological advancements that assist the banking industry in improving its processes The rise of investment banking is another widespread trend in the banking industry Investment banking is a service in which banking professionals advise their clients on where they should invest their money Investment banking is becoming increasingly popular as a result of advancements in artificial intelligence and automated banking processes Many people use investment banking to inform their investment decisions while also saving money on professional advice because many investment banking tasks can be automated Through a brief introduction to the banking industry, we can see that there are many types of banks in the banking industry Among the types of banks, my team chose commercial banks as the topic of this report Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank CHAPTER 1: GENERAL INTRODUCTION OF VIETNAM COMMERCIAL BANK SYSTEM 1.1 Definition of commercial bank A commercial bank may provide its customers with loans, certificates of deposit, savings accounts, overdrafts, and other banking goods and services Financial institutions earn a profit by lending customer money and collecting interest Commercial banks provide loans for companies, autos, residences, people, and even colleges.  Deposits made by customers in various accounts are used to fund loans Deposits are utilized to finance loan offers A country's economy must have access to commercial banks because of their role in developing new forms of money, credit, and market liquidity While the majority of these organizations are still located in metropolitan areas, their digital equivalents are becoming more prevalent 1.2 How does a commercial bank make money? Commercial banks provide typical banking services to individuals and small to medium-sized enterprises on behalf of the general public Banks make income via fees for customer service and other levies Fees that may be incurred include, but are not limited to, overdraft charges, safe deposit box fees, late payment penalties, and so on In addition to interest, other loan-related expenses may be incurred Profits are generated by banks via the issuance of loans using the funds deposited with them Banks earn more money from client deposits than from the interest they charge on loans they provide For example, a bank may give 0.30 percent yearly interest on savings accounts but 4.80 percent on mortgages Typically, commercial banks are headquartered in structures that provide customers with access to tellers and automated teller machines Since the introduction of faster and more dependable internet connections, the majority of banks now provide their clients the opportunity to complete the vast majority of their banking operations online People may now send money transfers, make deposits, and pay bills online 1.3 Function 1.3.1 Primary Functions Accepting Deposits – Commercial banks accept deposits from their customers in the form of saving, fixed, savings rent deposits.  Savings Deposits – Savings deposits allow a customer to credit funds towards their ato for up to a certain limit These deposits are preferred by individuals with a fixed income, utilized to create ate savings over time Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Which, mobilized capital accounts for a large proportion of 70%-80% and is the most important part of the bank's capital structure   Mobilized capital is a monetary asset of organizations and individuals that the bank only has the right to use but has no ownership right and is responsible for repaying both principal and interest when it is due or when customers have capital withdrawal demand Mobilized capital is also known as the Bank's liabilities and it exists in many forms, in other words, banks mobilize capital from many different sources, the most common are the following sources:       Demand deposit (checkable deposit) Term deposit Savings deposit Savings deposit without term Term Savings deposit Capital raised through the issuance of valuable papers  A significant amount of the bank's overall capital is made up of mobilized capital This capital is primarily what powers the bank This cash source dictates how big the bank's activities and credit are Because clients can withdraw money at any time, this source of funding is unstable, so the bank must have all payment reserves to be prepared to handle any withdrawal requests to maintain secure operations preventing an unexpected drop in the bank's capital This is a very competitive source of capital, and Vietcombank has continually raised the attractive interest rate range to entice customers As a result, this source of capital has a relatively high cost of use Mobilized capital determines the bank's solvency and guarantees its reputation in the market and economy Commercial banks are only permitted to use this capital in credit and guarantee activities; they are not permitted to use it for investment because of the characteristics above 3.2.3 Credit operations Credit operations in bank credit are very diverse and rich Here are some of the main types of credit        Advance credit Line of credit Overdraft Discount Factoring Leasing Bank Guarantee 22 Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank 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Recently, Vietcombank has been approved by the State Bank to increase its credit balance by 2.7% up to December 31, 2022, to support economic recovery and development in the final months of 2022 Thus, throughout the year, Vietcombank has increased its credit at a rate of 17.7% compared to the ending balance as of December 31, 2021 After being allowed by the State Bank to increase the maximum credit balance, Vietcombank will continue to control credit growth in essential sectors and industries of the economy, priority areas of the Government, and control good liquidity, good control of credit risk, ensuring that the bad debt ratio is controlled at a low level, maintaining the level of deposit interest rates, lending interest rates, ensuring at a reasonable level, support for the process of economic recovery and development as well as the recovery and development of businesses Vietcombank South Saigon Signed the “Midtown The Peak project” Credit and Guarantee Agreement:  On the morning of March 27, 2019, at the headquarters of Saigon South Branch, the signing ceremony of the Credit and Guarantee contract for the Midtown - The Peak (M8) project took place between Vietcombank South Saigon and Phu Hung Thai Joint Stock Company – is a joint venture of Phu My Hung Development Company Limited and DNS Asia Development PTE Ltd  Speaking at the ceremony, Mr Nguyen Nhu Tuong - Director of Vietcombank South Saigon - emphasized the good cooperation during the past 18 years between Vietcombank South Saigon and Phu My Hung Development Co., Ltd Vietcombank South Saigon has accompanied and sponsored many projects of Phu My Hung such as Crescent Mall, Crescent Residence, Chateau, Scenic Valley, Green Valley contributing to the creation of a modern and prestigious urban area Currently, in Vietnam, one of the most livable urban areas in Ho Chi Minh City is Phu My Hung Urban Area 3.2.4 Business report The finance report of Vietcombank on 31st December,2021 Target 2021 (million VND) 2020 (million VND) Net interest income  42.399.617  36.285.475 Net profit from service activities  7.407.073 6.607.317 Net profit from foreign exchange business 4.374.820  3.906.399 23 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Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Target 2021 (million VND) 2020 (million VND) Net profit from trading securities 104.114 1.810 Net loss from trading investment securities (85.126) (98) Net profit from other activities 2.393.261 1.800.253 Income from capital contribution, share purchase 129.810 461.385 Operation cost (17.574.188) (16.038.250) Net profit from operating activities 39.149.381 33.024.291 Provision expense for credit risk (11.760.801) (9.974.730) Total profit before tax 27.388.580 23.049.561 Cost of corporate income tax (5.449.535) (4.577.043) Total profit after tax 21.939.045 18.472.518 Non-controlling shareholder interests (20.232) (21.207) Net profit of the Bank's shareholders 21.918.813 18.451.311 Basic earnings per share (VND/share) 4.195 3.387 before the cost of provision for credit risk customers (adjustment) 24 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CONCLUSION From the work presented above, we have better overview what is commercial bank.; commercial bank’s function, it advantages and disadvantages of commercial bank and more basic information about commercial banks Also, we go into more detail about commercial banks and take the Vietcombank as an example of a commercial bank to analyze Our knowledge and skills have increased during searching the commercial bank information to Final Report of Money and Capital Market course In addition, the group work is evidence of our teamwork and also a skill that we need to gradually improve To manage something is not easy and with a project, it is way more difficulties There are some common points that each project can relate such as: not be able to manage the members and may have conflicts in between and there will be risks happen anytime and anywhere From that, we recognize the importance of planning carefully for any projects that can be carried out in the future or right away We found out that each project has a different goal and that goal is not always the same as the initial purpose During the process of practicing, we have improved ourselves with knowledge and skills of Money and Capital Market course Once again, we would to thank Ms.Do Thi Thanh Nhan, the lecturer of our course and the knowledge we gained for our major International Business in general Although we have tried our best, there will be some mistakes from our group and we are looking forward to the comments and evaluation from professional instructors so that we can have a better basement for future career 26 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   REFERENCES THANH THANH (2022 June 29), Vietnam Report công bố danh sách Top 10 Ngân hàng thương mại Việt Nam uy tín năm 2022, Retrieved from: https://www.invert.vn/ngan-hang-lon-nhat-viet-nam-ar5052#:~:text=Theo %20đó%2C%20Top%2010%20Ngân,Ngân%20hàng%20TMCP%20Á %20Châu Vietcombank (2019 August 06), Cơ cấu máy quản lý, Retrieved from: https://portal.vietcombank.com.vn/About/CCBMQL/Pages/home.aspx? devicechannel=default Baophapluat.vn (2022 July 03), Vietcombank công bố thông tin quan trọng cấu tổ chức, Retrieved from:  https://baophapluat.vn/vietcombank-cong-bo-thong-tin-quan-trong-ve-co-cauto-chuc-post453506.html Vietcombank (2022 January 1), Bản tin hình Vietcombank News số 79 hoạt động Vietcombank tháng 12/2021 + 1/2022, Retrieved from: https://www.youtube.com/watch?v=F7k0YVqS_uQ Phumyhungsale.com (2022 October 04), Vietcombank Nam Sài Gịn Ký Kết Hợp Đồng Tín Dụng Và Bảo Lãnh The Peak, Retrieved from: http://www.phumyhungsale.com/vi/tin-du-an/vietcombank-nam-sai-gon-kyket-hop-dong-tin-dung-va-bao-lanh-du-an-midtown-the-peak Vietcombank (2022 September 30), “ Báo cáo tài Hợp Quý III năm 2022(28/10/2022)”, Retrieved from: Báo cáo tài Hợp Quý III năm 2022  Vietcombank (2022 March 21), “ BÁO CÁO KẾT QUẢ HOẠT ĐỘNG KINH DOANH HỢP NHẤT - cho năm kết thúc ngày 31 tháng 12 năm 2021”, Retrieved from: https://portal.vietcombank.com.vn/content/Investors/Investors/Báo%20cáo %20thường%20niên/Năm%202021/HOSE%20-%20VN%20-%20BCTN%20-%20VCB%20%202904.pdf       Kiến thức 365 (2016 February 22), Báo cáo thực tập ngân hàng chi nhánh chương dương, Retrieved from: https://text.123docz.net/document/3419882bao-cao-thuc-tap-tai-ngan-hang-vietcombank-chi-nhanh-chuong-duong.htm  The banking industry: Definition, trends and key terms (n.d.) Retrieved December 9, 2022, from https://www.indeed.com/career-advice/careerdevelopment/banking-industry  Commercial banks: Advantages and disadvantages GeeksforGeeks (2022, December 2) Retrieved December 9, 2022, from https://www.geeksforgeeks.org/commercial-banks-advantages-anddisadvantages/  Role of commercial banks in economic development of a country - banking BrainKart (n.d.) Retrieved December 9, 2022, from https://www.brainkart.com/article/Role-of-Commercial-Banks-in-EconomicDevelopment-of-a-Country_37092/ 27 Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank  YouTube (2018, October 18) Commercial Bank YouTube Retrieved December 9, 2022, from https://www.youtube.com/watch?v=5ld2x94RuH0  Adil Shaikh Follow Manager (n.d.) Commercial banks Share and Discover Knowledge on SlideShare Retrieved December 9, 2022, from https://www.slideshare.net/MohdAadil/commercial-banks-12201083  Role of commercial banks in economic development of a country - banking BrainKart (n.d.) Retrieved December 9, 2022, from https://www.brainkart.com/article/Role-of-Commercial-Banks-in-EconomicDevelopment-of-a-Country_37092/  Stellinga, B., de Hoog, J., van Riel, A., & de Vries, C (1970, January 1) Conclusions and recommendations SpringerLink Retrieved December 9, 2022, from https://link.springer.com/chapter/10.1007/978-3-030-70250-2_8  The University of Newcastle, Australia (n.d.) Retrieved December 9, 2022, from https://www.newcastle.edu.au/ data/assets/pdf_file/0009/333765/LDConclusions-LH.pdf 28 Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank Report.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bankReport.subject.money.and.capital.markets.topic.commercial.bank