Iibhanki zorhwebo zahlukile kwiibhanki ezinobungcali. Ishishini leebhanki zorhwebo zibanzi ngakumbi, zinemisebenzi ebanzi, eqhuba lonke ishishini lezemali "lokuthengisa" (inkonzo yokugcina) kunye "neeshishini lokuthengisa kakhulu" (ishishini elikhulu lamatyala), ukubonelela abathengi ngazo zonke iinkonzo zemali
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