Certified Commercial Banker

VS-1038
Certified Commercial Banker
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Certified Certified Certified Certified Commercial Banker Commercial Banker Commercial Banker Commercial Banker

Certification Code Certification Code Certification Code Certification Code VS-1038
Commercial banking primarily involves providing banking services to individuals, small
businesses and large organiations! Commercial Banking as a career "as been gro#ing at a
very fast pace and offers e$citing opportunities to learn about business, interaction #it"
clients and develop business relations! %"ere is a #ide range of opportunities in
commercial banking, suc" as leasing, credit card banking, international finance and trade
credit!
&"y s"ould one take t"is certification' &"y s"ould one take t"is certification' &"y s"ould one take t"is certification' &"y s"ould one take t"is certification'
Vskills Certification in Commercial Banking are for t"ose candidates looking for
opportunities in commercial banking sector catering to #ide variety of services suc" as
leasing, credit card banking, international finance and trade credit! Vskills certification
significantly improves t"e c"ances of getting t"e desired role and is an added kno#ledge for
t"e candidate! %"is certification can be taken by candidates looking for ne# (ob
opportunities or promotion or (ust for skill assessment!
&"o #ill benefit from taking t"is certification' &"o #ill benefit from taking t"is certification' &"o #ill benefit from taking t"is certification' &"o #ill benefit from taking t"is certification'
Vskills Certification in Commercial Banking is for candidates #"o are #ell-prepared and
ent"usiastic about entering t"e field and )ob seekers looking to find employment in
*inance department of companies or candidates #"o #is" to improve t"eir skill set and
make t"eir CV stronger! %"e Certification also assists t"e e$isting employees looking for a
better role and proves t"eir employers t"e value of t"eir skills!
%est +e %est +e %est +e %est +etails, tails, tails, tails,
+uration, +uration, +uration, +uration, -0 minutes
.o! of /uestions, .o! of /uestions, .o! of /uestions, .o! of /uestions, 00
1a$imum marks, 1a$imum marks, 1a$imum marks, 1a$imum marks, 00, 2assing marks, 30 400567 %"ere is no negative marking in
t"is module!

*ee Structure, *ee Structure, *ee Structure, *ee Structure,
8s! 3,0009- 4:ncludes all ta$es6

Certified Commercial Banker
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Companies t"at "ire Companies t"at "ire Companies t"at "ire Companies t"at "ire Vskills Vskills Vskills Vskills Certified Commercial Banker Certified Commercial Banker Certified Commercial Banker Certified Commercial Banker

Vskills Certified Commercial Banker finds employment in big or small companies as a
Credit ;nalyst, <oan =fficer, Branc" 1anager or 1ortgage Banker! 1any companies
contact us on a regular basis, and #e for#ard t"em a list of our certified candidates, and t"e
candidates are "ig"ly in demand!
Certified Commercial Banker
www.vskills.in



%able of Content %able of Content %able of Content %able of Content


1! 1! 1! 1! %rends in Banking %rends in Banking %rends in Banking %rends in Banking
1!1 >lobal %rends
1!3 +omestic %rends
1!3 +ic"otomous ;pproac" in t"e Banking System
1!? @olistic =vervie#
1!0 ;utonomy in t"e Banking System
1!- ;sset Auality
1!B Currency Convertibility
1!8 =ff-s"ore Banking System

3! 3! 3! 3! Cvolution of Commercial Banking System Cvolution of Commercial Banking System Cvolution of Commercial Banking System Cvolution of Commercial Banking System
3!1 +ifferent *inancial Systems
3!3 1oney <ending System in ;ncient :ndia

3! 3! 3! 3! Banking Systems Banking Systems Banking Systems Banking Systems
3!1 :ntroduction
3!3 %ype of Banking Systems
3!3 Dniversal Banking System

?! ?! ?! ?! *unctions of a Commercial Bank *unctions of a Commercial Bank *unctions of a Commercial Bank *unctions of a Commercial Bank
?!1 .ature of Commercial Bank
?!3 C"aracteristics of Commercial Bank
?!3 :ntermediation
?!? 2ayment and Settlement System
?!0 *inancial Services

0! 0! 0! 0! Sc"eduled Commercial Bank Sc"eduled Commercial Bank Sc"eduled Commercial Bank Sc"eduled Commercial Bank
0!1 ;nalysis of ;ssets and <iabilities
0!3 Capital ;de/uacy and 8isk ad(usted 8e/uirement
0!3 8isk &eig"ted ;pproac"
0!? :nter Bank Borro#ing
0!0 C88 and S<8
0!- %ypes of +eposits
0!B =#ners"ip of +eposits
0!8 :nvestments in >overnment and ot"er Securities
0!E <oans and ;dvances
0!10 .2; 8esolution
0!11 1icro 2rudential .orms
0!13 CBS8 1EE8
0!13 Credit 8epression
Certified Commercial Banker
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-! -! -! -! Banking System and 2erformance 1easurement Banking System and 2erformance 1easurement Banking System and 2erformance 1easurement Banking System and 2erformance 1easurement
-!1 :nternal 2erformance

B! B! B! B! Capital 1anagement Capital 1anagement Capital 1anagement Capital 1anagement
B!1 :ntroduction to Bank Capital
B!3 <ong %erm +ebt and <oss 8eserves
B!3 Capital +eficiency Correction
B!? 8ecapitaliation

8! 8! 8! 8! Commercial Banking 8isk and uncertainties Commercial Banking 8isk and uncertainties Commercial Banking 8isk and uncertainties Commercial Banking 8isk and uncertainties
8!1 8isk and %ransformation Services
8!3 :nternationaliation of Banking System
8!3 8B: >uidelines for 8isk 1anagement

E! E! E! E! +erivatives for 8isk 1anagement +erivatives for 8isk 1anagement +erivatives for 8isk 1anagement +erivatives for 8isk 1anagement
E!1 .ature and %ype of +erivatives
E!3 8isk 8egulation

10! 10! 10! 10! <i/uidity 8isk 1anagement <i/uidity 8isk 1anagement <i/uidity 8isk 1anagement <i/uidity 8isk 1anagement
10!1 :ntroduction
10!3 1easuring <i/uidity
10!3 <i/uidity 1anagement

11! 11! 11! 11! Credit 8isk Credit 8isk Credit 8isk Credit 8isk
11!1 .ature of Credit 8isk
11!3 Selection and <imitation
11!3 Credit +erivatives
11!? Bank <ending Services
11!0 Syndicated <oan
11!- +irect and C$port Credit
11!B <easing

13! 13! 13! 13! :nterest 8ate 8isks 4:886 :nterest 8ate 8isks 4:886 :nterest 8ate 8isks 4:886 :nterest 8ate 8isks 4:886
13!1 .et :nterest :ncome
13!3 *uture, =ption and S#aps
13!3 *or#ard 8ate S#aps and :nterest 8ate S#aps

13! 13! 13! 13! :nvestment 1anagement :nvestment 1anagement :nvestment 1anagement :nvestment 1anagement
13!1 2ortfolio Be"avior of Commercial Banks
13!3 8C2= and 8everse 8C2=s
13!3 %ype of >overnment Securities
13!? Field Curve and Field 1easures
13!0 Bond 2ricing and price volatility

Certified Commercial Banker
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1?! 1?! 1?! 1?! *oreign Currency +ealing *oreign Currency +ealing *oreign Currency +ealing *oreign Currency +ealing
1?!1 *oreign C$c"ange 1arket
1?!3 %ec"nology and %rading
1?!3 2articipants in *oreign C$c"ange 1arket
1?!? *oreign C$c"ange 8ates and C$c"ange Auotations
1?!0 8eady C$c"ange 8ate and C$c"ange 8ate 2oints
1?!- Cross 2oints
1?!B Currency ;rbitrage

10! 10! 10! 10! *oreign Currency 8isk *oreign Currency 8isk *oreign Currency 8isk *oreign Currency 8isk
10!1 @edging and *or#ard Contracts
10!3 *or#ard 2remium and +iscounts
10!3 *utures
10!? Currency S#aps
10!0 *oreign Currency =ptions
10!- =ption Strategies
10!B Cross Currency =ption %rading in :ndia

1-! 1-! 1-! 1-! :nternational Banking :nternational Banking :nternational Banking :nternational Banking
1-!1 :ntroduction
1-!3 :nternational Banking 8egulation
1-!3 :nternational Banking ;ctivities
1-!? Country 8isk and Curomoney
1-!0 <oan Syndication and ;greement 2rovisions
1-!- Curo <oan Syndication










Certified Commercial Banker
www.vskills.in

Course =utline Course =utline Course =utline Course =utline



1! 1! 1! 1! %rends in Banking %rends in Banking %rends in Banking %rends in Banking
+emonstrates t"e global trends in t"e financial service industry suc" as
consolidation and convergence of banks, development of financial institutions,
banks, asset management firms and insurance firms!
+escribes t"e domestic trends prevalent in t"e financial system and financial
liberaliation!
C$plains t"e dic"otomous approac" in t"e banking system consisting of bot"
formal and informal sector!
C$plains t"e need for a "olistic overvie# to t"e banking system to appreciate t"e
development in response to t"e need!
C$plains t"e t"ree tier structure and t"e micro prudential norms
+escribe t"e need to "ave an autonomous central bank to facilitate t"e setting of
benc"marks, control inflation, asses t"e c"anging financial environment and
implementing policies!
C$plains t"e need to assess t"e /uality of asset and illustrates t"e activities
performed by Board of *inancial Supervision under of aegis of 8B:!
C$plains t"e process of converting currency i!e!, t"e restriction imposed on foreign
e$c"ange transactions or e$c"ange control!
+escribes t"e need for setting up off-s"ore banking system preface to convertibility
on capital account

3! 3! 3! 3! Cvolution of Commercial Banking System Cvolution of Commercial Banking System Cvolution of Commercial Banking System Cvolution of Commercial Banking System
C$plains different financial systems - 1arket and Bank =riented *inancial Systems
C$plains t"e money lending system follo#ed in ;ncient :ndia
%ypes of 1oney <enders and indigenous bankers

3! 3! 3! 3! Banking Systems Banking Systems Banking Systems Banking Systems
Brief introduction about t"e evolution of t"e banking system in :ndia
+escribes type of banking system and comparison bet#een t"eir operations
C$plains t"e #orking and functionalities of Branc" Banking
:llustrates t"e factors affecting Banking Systems
C$plains t"e concept of 8etail Banking and &"olesale Banking and t"eir practices
C$plains t"e reason for gap bet#een 8egulated and &"olesale deposit rates
C$plains t"e concept of banking marketisation!
Claborates t"e concept of Dniversal Banking in >ermany, DG and :ndia!

?! ?! ?! ?! *unctions of a Commercial Bank *unctions of a Commercial Bank *unctions of a Commercial Bank *unctions of a Commercial Bank
+escribes t"e nature and c"aracteristics of Commercial Bank
C$plains t"e functions of Commercial Bank
Certified Commercial Banker
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+escribes t"e role of *inancial :ntermediaries to provide intermediary services
suc" as brokerage and asset transformation!
+escribes t"e differences bet#een trading activities and commercial banking
C$plains t"e need of payment and settlement system for improving t"e conduct of
monitory policy in t"e economy!
C$plains ot"er financial services t"at a commercial bank provides H securities
related services, advice on managing t"e portfolio or investment counseling!

0! 0! 0! 0! Sc"eduled Commercial Bank Sc"eduled Commercial Bank Sc"eduled Commercial Bank Sc"eduled Commercial Bank
Banking 8egulation ;ct, 1E?E
;nalyses t"e assets and <iabilities of commercial banks
C$plains t"e functions of Bank Capital
+escribes t"e financial risks involved and need for capital ade/uacy in t"e financial
system
+escribes t"e prescribed capital standards to be follo#ed by commercial banks and
focus on ad(usting t"e risks faced by t"e entire banking industry on account of t"e
density of relations amongst banks!
Classifies t"e capital of banks, e$plains t"e funded risk assets, funded risk assets,
off-balance s"eet items and norms as prescribed to maintain minimum capital
funds!
C$plains t"e 8isk &eig"ted ;pproac" follo#ed to strengt"en t"e banking system
by addition to e/uity!
C$plains t"e concept of :nter Bank Borro#ing, functions of Call 1oney 1arket
and e$plains t"e collateralied borro#ing and lending obligation
+escribes t"e relation bet#een 1oney 1arket and *oreign C$c"ange 1arket
C$plains t"e concept of C88 and S<8 on inter-bank deposits
C$plains different types of deposits H %erm and *i$ed +eposits
+escribes =#ners"ip of +eposits
:llustrate different type of assets of commercial banks
:dentify :nvestments in >overnment and ot"er Securities
C$plains t"e accounting standards for investment, illustrate :nvestment *luctuation
reserve, maturity classification of investments in >overnment Securities
C$plains t"e process of 8etail Banking, gro#t" in "ousing finance and describes
risky loans 4also called non-performing assets6 as an indicator!
+escribes .2; 8esolution and 1oral @aards
Classification of assets
+escribes 1icro 2rudential .orms and its elements H income recognition, asset
classification, provision for loans I advances and capital ade/uacy!
:llustrates on Committee Banking Sector 8eform 4CBS86 1EE8
+escribes valuation of all investment on mark to market basis to facilitate t"e
development of a "ealt"y secondary market
C$plains t"e concept of Credit 8epression

-! -! -! -! Banking System and 2erformance 1easurement Banking System and 2erformance 1easurement Banking System and 2erformance 1easurement Banking System and 2erformance 1easurement
C$plains t"e need and importance of strengt"ening t"e financial system
Certified Commercial Banker
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+escribes t"e system and met"ods used in banks, structural issues being faced and
integration of financial markets
C$plains t"e legal and legislative frame#ork as recommended t"e amendment to
8B: and Banking 8egulation act!
+escribes t"e need for evaluation of bank performance H :nternal and e$ternal
performance!
:llustrates t"e planning process of t"e bank and personnel development
C$plains :ncome Statement, *inancial 8atios, 2rofit 8atios, ;sset Auality
1anagement, .on-2erforming ;ssets, <i/uidity 8atios and evaluating operational
efficiency!

B! B! B! B! Capital 1anagement Capital 1anagement Capital 1anagement Capital 1anagement
:ntroduction to Bank Capital
C$plain <ong %erm +ebt and <oss 8eserves
C$plains t"e corrective actions to be taken at t"e time of capital deficiency suc" as
c"ange in asset, c"ange in dividend payout ratio, employee stock o#ners"ip, c"ange
in profitability and addressing capital issues
C$plains t"e concept of 8ecapitaliation and merger among banks
C$plains t"e process of crisis management and recommendation
+escribes restructuring, process of addressing bot" systematic I 1acro level issues
and policies for orderly restructuring!

8! 8! 8! 8! Commercial Banking 8isk and uncertainties Commercial Banking 8isk and uncertainties Commercial Banking 8isk and uncertainties Commercial Banking 8isk and uncertainties
C$plains t"e nature of risk and need for risk management
+escribes 8isk %ransformation Services suc" as 8isk 1anagement, Source of 8isk,
Credit ;nalysis, Bank 1arketisation and liability management!
C$plains t"e concept of rollover loans and fle$i rates
C$plains t"e concept of Banking :nternationaliation to facilitate ;sset-<iability
1anagement!
:llustrates t"e overall and types risks of a bank H Credit 8isk, :nterest 8ate 8isk,
<i/uidity 8isk, =perational 8isk and *oreign C$c"ange 8isk!
C$plains t"e %reasury *unctions and tec"ni/ues to monitor risks!
C$plains t"e 8B: >uidelines for 8isk 1anagement

E! E! E! E! +erivatives for 8isk 1anagement +erivatives for 8isk 1anagement +erivatives for 8isk 1anagement +erivatives for 8isk 1anagement
+escribes t"e nature, type and c"aracteristics of derivatives
C$plains different categories of risk associated #it" derivates and risk regulation!

10! 10! 10! 10! 1anaging 1anaging 1anaging 1anaging <i/uidity 8isk <i/uidity 8isk <i/uidity 8isk <i/uidity 8isk
C$plains t"e concept of li/uidity risk and ability to meet anticipated and contingent
cas" needs
Claborates various sources of li/uidity and collateralied lending facility
C$plains t"e process and need for li/uidity measurement
C$plains t"e various t"eories of <i/uidity 1anagement including Commercial <oan
%"eory, S"iftability %"eory, ;nticipated :ncome %"eory and liability 1anagement
t"eory
Certified Commercial Banker
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11! 11! 11! 11! 1anaging 1anaging 1anaging 1anaging Credit 8isk Credit 8isk Credit 8isk Credit 8isk
C$plains nature of credit risk
C$plains t"e principles in credit risk management H selection, limitation and
diversification
C$plains t"e met"od of reducing credit risk
C$plains t"e relation bet#een credit risk and asset liability management
C$plains t"e importance of credit derivatives as a means of evaluating and
transferring credit risk
C$plains t"e uses of credit derivatives, types of credit derivatives, credit spread
options and credit linked notes
C$plains different type of bank lending services for infrastructure pro(ects, advances
against s"ares and debentures, bridge loans, loan against #orking capital etc
C$plains loans against cas" credit and features of loan system
C$plains t"e procedure of loan syndication, process of syndication and syndication
documents
:llustrates t"e terms and condition of term loans
C$plains t"e concept of direct and e$port Credit
C$plains t"e process of leasing and describes t"e type of leases H Sales and lease
back, operating lease and *inancial9 capital lease
C$plains t"e concept of "ousing finance

13! 13! 13! 13! 1anaging :nterest 8ate 8isk 1anaging :nterest 8ate 8isk 1anaging :nterest 8ate 8isk 1anaging :nterest 8ate 8isk 4:886 4:886 4:886 4:886
C$plains t"e concept of .et :nterest :ncome to determine t"e profitability of banks
C$plain derivative instrument t"at allo#s banks to alter interest rate e$posure i!e!,
*uture, =ption and S#aps
C$plain t"e %ypes of :nterest rate s#aps and t"eir uses
:llustrates for#ard rate agreement and interest rate s#aps

13! 13! 13! 13! :nvestment 1anagement :nvestment 1anagement :nvestment 1anagement :nvestment 1anagement
C$plains t"e portfolio be"avior of commercial banks by accommodation principle,
profit ma$imiing principle and stock ad(ustment principle
C$plains 8C2= and reverse 8C2=s as a tool to manage t"e li/uidity and ma$imie
bank returns
C$plains different type of >overnment securities
C$plains t"e different type of investment risks and security specific risk
C$plains t"e concept and be"avior of yield curve and measures to evaluate yield
C$plains t"e various measures of bond price volatility

1?! 1?! 1?! 1?! *oreign Currency +ealing *oreign Currency +ealing *oreign Currency +ealing *oreign Currency +ealing
+escribes *oreign C$c"ange 1arket and Curo-dollar market
C$plains t"e purpose and organiation of foreign e$c"ange markets
+escribes t"e impact of tec"nology on trading
C$plains t"e relations"ip bet#een e$c"ange and money markets
2articipants in *oreign C$c"ange 1arket H Commercial Banks, %raders and
:nvestors, +ealers and Brokers, :nvestment Banks, Central Banks and ;rbitrageurs
C$plains t"e concept of foreign e$c"ange rates and e$c"ange /uotations
Certified Commercial Banker
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C$plains t"e functioning of 8eady C$c"ange 8ate and C$c"ange 8ate 2oints suc"
as spot e$c"ange rates, for#ard e$c"ange rates and calculations
C$plains t"e concept of cross rates and spot contracts
C$plains t"e concept of currency arbitrage and t"eir type - t#o point currency
arbitrage and triangular arbitrage

10! 10! 10! 10! *oreign Currency 8isk *oreign Currency 8isk *oreign Currency 8isk *oreign Currency 8isk
+efines e$c"ange risk
C$plains t"e concept of @edging and *or#ard Contracts
C$plains t"e concept of transactional e$posure, translation e$posure, economic
e$posure and t"eir impact
+escribes t"e tec"ni/ue to cover e$c"ange risk
C$plains t"e concept of "edging #it" for#ard contract H @edging a long position
and s"ort position
C$plains t"e concept of for#ard premium and discounts
+escribes t"e money market alternative and its comparison #it" for#ard contract
C$plains concept of *utures H @edging #it" *utures, %rading of futures, %ypes of
%raders, Contract C"aracteristics, 2rices and +aily Settlement and determining
gains9losses
C$plains t"e concept of currency s#aps, uses and gro#t" of s#aps, pricing of s#aps,
s#ap transactions
+efines foreign currency options and its features
C$plains t"e concept of "edging #it" options and basic option strategies suc" as
buying a call, buying a put, selling a call and selling a put
C$plains t"e tec"ni/ues of pricing currency options and t"e role of *oreign
C$c"ange 8ate Volatility, Spot 8ate, C$piration %ime and :nterest 8ate +ifferential
C$plains t"e concept of Cross Currency =ption %rading in :ndia
8B: >uidelines for currency option trading in :ndia

1-! 1-! 1-! 1-! :nternational Banking :nternational Banking :nternational Banking :nternational Banking
:ntroduction, origin and development of international banking
+efines t"e :nternational Banking 8egulation
C$plains t"e activities of :nternational Banks suc" as bankers acceptance, C2 and
C+
:llustrates loan syndication and loan agreement provisions
+efines guidelines for Curo <oan Syndication pro(ects in :ndia





Certified Commercial Banker
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Sample Auestions Sample Auestions Sample Auestions Sample Auestions



1! 1! 1! 1! &"ic" of t" &"ic" of t" &"ic" of t" &"ic" of t"e follo#ing oug"t to be t"e core ob(ective of a monetary policy' e follo#ing oug"t to be t"e core ob(ective of a monetary policy' e follo#ing oug"t to be t"e core ob(ective of a monetary policy' e follo#ing oug"t to be t"e core ob(ective of a monetary policy'

;! Stability in employment
B! 2rice stability
C! 1oney supply
+! >ro#t" in employment

3! 3! 3! 3! %"e 8B: is assigned t"e role of performing supervisory functions by virtue of t"e %"e 8B: is assigned t"e role of performing supervisory functions by virtue of t"e %"e 8B: is assigned t"e role of performing supervisory functions by virtue of t"e %"e 8B: is assigned t"e role of performing supervisory functions by virtue of t"e
po#ers conferred po#ers conferred po#ers conferred po#ers conferred by t"e 8B: ;ct, 1E3?! &"ic" one of t"e follo#ing is not included by t"e 8B: ;ct, 1E3?! &"ic" one of t"e follo#ing is not included by t"e 8B: ;ct, 1E3?! &"ic" one of t"e follo#ing is not included by t"e 8B: ;ct, 1E3?! &"ic" one of t"e follo#ing is not included
under t"e 8B: ;ct, 1E3?' under t"e 8B: ;ct, 1E3?' under t"e 8B: ;ct, 1E3?' under t"e 8B: ;ct, 1E3?'

;! :nspection of banks
B! :ssues related to furnis"ing credit information from t"e commercial banks
C! 2o#er of 8B: to impose penalties
+! +efinition of .B*Cs

3! &" 3! &" 3! &" 3! &"ic" of t"e follo#ing is not true #it" regard to t"e impact of .2;s on banks' ic" of t"e follo#ing is not true #it" regard to t"e impact of .2;s on banks' ic" of t"e follo#ing is not true #it" regard to t"e impact of .2;s on banks' ic" of t"e follo#ing is not true #it" regard to t"e impact of .2;s on banks'

;! Crode current profits
B! +iminution in t"e value of loan assets
C! 8eduction in interest income
+! <imit recycling of funds

? ?? ?! ! ! ! ; loan t"at is structured and supported specifi ; loan t"at is structured and supported specifi ; loan t"at is structured and supported specifi ; loan t"at is structured and supported specifically by t"e operation and cally by t"e operation and cally by t"e operation and cally by t"e operation and
performance of a specific business or enterprise is called a performance of a specific business or enterprise is called a performance of a specific business or enterprise is called a performance of a specific business or enterprise is called a JJJJJJJJJJJJJ! JJJJJJJJJJJJJ! JJJJJJJJJJJJJ! JJJJJJJJJJJJJ!

;! Commercial loan
B! 2ersonal loan
C! Cducational loan
+! =verdraft

0 00 0! ! ! ! &"ic" country by t"eir policy statement, t"oug" often referring to price stabil &"ic" country by t"eir policy statement, t"oug" often referring to price stabil &"ic" country by t"eir policy statement, t"oug" often referring to price stabil &"ic" country by t"eir policy statement, t"oug" often referring to price stability, ity, ity, ity,
attac"es importance to controlling inflation' attac"es importance to controlling inflation' attac"es importance to controlling inflation' attac"es importance to controlling inflation'

;! DS;
B! >ermany
C! Canada
+! ;ustralia
;ns#ers, ;ns#ers, ;ns#ers, ;ns#ers, 1 4B 1 4B 1 4B 1 4B6, 3 4;6, 3 4 6, 3 4;6, 3 4 6, 3 4;6, 3 4 6, 3 4;6, 3 4B BB B6, ? 4 6, ? 4 6, ? 4 6, ? 4; ;; ;6, 0 4 6, 0 4 6, 0 4 6, 0 4; ;; ;6 66 6
Certified Commercial Banker
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