From my perspective as a seasoned trader, I must emphasize the importance of regulatory oversight and platform transparency before considering any broker for trading assets like gold (XAU/USD) or crude oil. Based on my careful review of the available facts, Johnan Shinkin primarily operates as a traditional banking institution with services tailored towards personal and business banking, deposit accounts, various loan products, and insurance offerings. Their business model and stated services do not clearly include access to leveraged trading instruments or contracts for difference (CFDs) on commodities such as gold or crude oil. Additionally, a key issue for me is the lack of valid regulatory information for Johnan Shinkin in relation to offering trading services. The absence of oversight from a recognized financial authority is a considerable risk, particularly when dealing with speculative markets like forex or commodities. While I understand that some customers may use banks for foreign exchange or remittance purposes, this is distinct from active commodity or spot trading as practiced on specialized platforms. I would also caution that multiple fees are noted for typical banking services, which can affect cost efficiency. For genuine access to assets such as gold or crude oil, I personally prefer to use regulated brokers with clear product disclosures and a longstanding reputation in the trading community. In summary, I have not found any evidence that Johnan Shinkin provides direct or suitable facilities for trading instruments like XAU/USD or crude oil, and I would proceed elsewhere for such needs, prioritizing safety and regulatory clarity above all.