A bank has the authorisation to obtain deposits and loans from a financial institution. Banks may also provide economic facilities like asset management, exchange of currencies, and secure deposit boxes. Two kinds of banks exist: commercial/retail and investment banks. The national government or the central bank regulates banks in most nations. The banks are covered by the United States, the banks of Liechtenstein, Puerto Rico, Macau, the German banks, Swedish banks, Guernsey banks, South Africa banks, the top banks of the United Arab Emirates, the banks of Qatar, Bermuda banks.