Explanation:

- Agency Function: Banks act as agents for their customers. They perform tasks like managing payments, collecting cheques, and buying/selling securities.

- General Utility Function: This involves providing useful services, such as safe deposit lockers, issuing traveler’s cheques, and foreign exchange services.

- Social Function: Banks also contribute to societal growth. They promote saving habits, provide loans for small enterprises, and help in rural development.

- All of these ??: Commercial banks perform all these secondary functions, offering a blend of agency, utility, and social functions to support their clients and contribute to the economy.