KNB’s main role is to provide a bank account for every resident of the nation. Since this is essential, there will be only one bank that would have the ability to provide for accounts. This makes life easier for the consumer if there is only one bank to deal with. However, for credit lines, KNB doesn’t have exclusive rights on such realms. In turn, other banks can compete with KNB in providing for credit cards, and loans. No matter which bank provides the line of credit, they must meet with the Interest Calculations on Financial Standards. This is to even the playing field, and provide assurance that the bank is charging them a fair rate. The Kaldan National Bank is in charge of determining someone’s credit. They can see their credit score by simply logging into the bank account. Even if you don’t have any credit lines, there will still be a credit score.