briefly explain the merits and demerits of loans from commercial banks
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「ᴛʜɪs ʙᴀɴᴋ ɢɪᴠᴇs ᴍɪɴɪᴍᴜᴍ ɪɴᴛᴇʀᴇsᴛ ᴛᴏ ᴅᴇᴘᴏsɪᴛᴏʀs ᴀɴᴅ ᴅᴇᴍᴀɴᴅ ᴍᴀxɪᴍᴜᴍ ɪɴᴛᴇʀᴇsᴛ ғʀᴏᴍ ᴛʜᴇ ʙᴏʀʀᴏᴡᴇʀ. ʏᴏᴜ sʜᴏᴜʟᴅ ᴛᴀᴋᴇ ᴛʜᴇ ᴛɪᴍᴇ ᴛᴏ ᴀssᴇss ᴛʜᴇ ᴀᴅᴠᴀɴᴛᴀɢᴇs ᴀɴᴅ ᴅɪsᴀᴅᴠᴀɴᴛᴀɢᴇs ᴏғ ᴀ ᴄᴏᴍᴍᴇʀᴄɪᴀʟ ʙᴀɴᴋ ʙᴇғᴏʀᴇ ᴅᴇᴄɪᴅɪɴɢ ᴏɴ ᴏᴘᴇɴɪɴɢ ᴀɴ ᴀᴄᴄᴏᴜɴᴛ. ᴄᴏᴍᴍᴇʀᴄɪᴀʟ ʙᴀɴᴋs ᴄᴀɴ ʜᴇʟᴘ sᴍᴀʟʟ ʙᴜsɪɴᴇss ʙʏ ᴍᴀᴋɪɴɢ ɪᴛ ᴇᴀsɪᴇʀ ᴛᴏ ᴍᴀɴᴀɢᴇ ᴅᴀʏ-ᴛᴏ-ᴅᴀʏ ғɪɴᴀɴᴄɪᴀʟ ᴛᴀsᴋs.」♡
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