Identify and describe the revenue streams noting any significant changes year on year. Are there any threats to these revenue streams?

2. Is e-commerce a significant element for this bank? Explain.

3. Identify all the regional regulatory institutions within the banks regulatory framework. Which three regulators do you believe have the most significant impact on the operations of THE bank? Explain your answer.

For the year ended October 31,2022 (Expressed in thousands of United States dollars, except as noted) The accompanying notes are an integral part of the consolidated financial statements. For the year ended October 31, 2022 (Expressed in thousands of United States dollars, except as noted) The accompanying notes are an integral part of the consolidated financial statements