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advisory services Annex areas assets authorised authorities bank lending banking and finance banking sector brokerage Canada capital cent certificates of deposit cheque CM CM commercial banks commercial paper competition policy concentration conflict of interest considerable controls corporate credit card deposit rates deregulation domestic efficiency fees and commissions financial institutions financial markets financial policy financial regulation financial sector financial service markets Finland foreign banks funds government bonds increasing increasingly instruments interbank agreement interest rates international financial investment investor protection issue Japan lending and deposit liberalisation loans market forces measures mergers monetary policy money market mortgage national financial systems Netherlands number of countries OECD OECD countries operations organisation payment systems regulatory Restrictions on Interest retail banking savings banks scope Section securities firms securities markets securities-related activities specialised stock exchange strengthening sub-markets tion Treasury bills trend United Kingdom universal banking