Explain the basic function of commercial banking and what are the main characteristics of universal, specialized commercial and personal banking 

. 2) How credits are classified in banking and what are the main financial services of banking in the USA other than credits 

. 3) What are the main passive banking operations. Differentiate very well between deposit instruments and other liabilities with third parties (Bonds, securitization or securitization, etc). Max 

. 4) State and explain what is meant by investors or institutional investors, what they are and what their function is in the financial and capital markets .