@Brandon ***********
interesting! I've never noticed there's a difference. In Viet Nam, virtually all the banks dealing with individuals are called "commercial banks" in their official names. And foreign banks like SC and HSBC provide retail/consumer services like in other countries. So you're saying those like SC and HSBC don't provide retail/consumer services for individuals in Thailand, but only serve commercial purposes for institutions? Am I understanding it correctly? I don't know anything at all about banking, and our system in VN is all kinds of weird, so I have no frame of reference.