41.   William Middlemass is responsible for credit policy and asset policy in consumer and commercial banking.

42.   DBP chairman Alfredo Antonio said the separate units will be commercial banking, merchant banking, real estate, and insurance brokering.

43.   Ebner maintains that the commercial banking keeps the profits for the bank down.

44.   In the United States and Japan for instance, the barriers between commercial banking, securities business and insurance are likely to come down further, it noted.

45.   The bank also has commercial banking, mortgage lending and financial services operations in dozens of other states.

46.   The bank is involved in a wide range of financial services ranging from commercial banking, general insurance, consumer finance to stock brokerage and offshore banking.

47.   The branch, to be located in OSIC Building in Nguyen Hue Boulevard, will offer services such as commercial banking, investment banking and treasury services.

48.   The decrees will also change current commercial banking and finance company laws to allow majority foreign ownership.

49.   The financial services company that Daewoo hopes to set up will deal with commercial banking, insurance and consumer credit.

50.   The Monetary Authority of Singapore, the de facto central bank, announced a program Monday to liberalize its commercial banking sector over five years.