jbm@fe.unpad.ac.id
Dear authors,

This is the comment from our reviewer that you have received previously:

"Second, the classification of banks into State-owned banks, foreign exchange banks, and non-foreign exchange banks are misleading, considering that all state-owned banks are also foreign exchange banks. To resolve the problem, the authors can change the classification into only two kinds of banks, namely foreign exchange banks (including state-owned banks) and non-foreign exchange banks, or the authors classify those banks into three classified banks, namely State-owned foreign exchange banks, Private-owned foreign exchange banks, and Private-owned non-foreign exchange banks."

However, your manuscript still classified the bank types as previously. Besides, English needs to be improved as well. We attached some of the spots of those errors. Thus, our decision is: Revisions Required.

Egi Arvian Firmansyah
SCOPUS ID: 57216978125, Universiti Brunei Darussalam
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Jurnal Bisnis dan Manajemen
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