Lesson Plan

• Describe the main functions of commercial banks.
• Explain how commercial banks facilitate money creation and economic growth.
• Analyse the role of regulation in maintaining bank stability.
• Evaluate the risks associated with commercial banking.

• Projector and screen
• Whiteboard and markers
• Printed handout of bank functions table
• Calculator for each group
• Worksheet with money‑multiplier calculations
• Short video clip on bank regulation

Begin by asking students how they keep their money safe and how they access it for everyday purchases. Connect this to their prior knowledge of financial intermediaries from the previous lesson. Explain that by the end of the session they will be able to list bank functions, describe money creation, and discuss why regulation matters.

1. Do‑now (5') – Quick quiz on different types of financial institutions.
2. Teacher input (10') – Slide presentation covering the five key functions of commercial banks and their economic impact.
3. Guided activity (12') – In groups, calculate the money multiplier using a given reserve ratio and record the expansion of deposits.
4. Case‑study discussion (10') – Analyse a short news article about a bank run; discuss how regulation aims to prevent such risks.
5. Concept check (8') – Exit ticket: write one way commercial banks support the economy and one potential risk.
6. Summary & homework (5') – Recap main points and assign a worksheet that asks students to match bank services with their economic effects.

Summarise how commercial banks mobilise savings, create money, and underpin economic stability, while highlighting the importance of regulation. Collect exit tickets as a retrieval check and remind students to complete the worksheet for homework, which reinforces today’s concepts.