Beruflich Dokumente
Kultur Dokumente
MBA (FINANCE)
HE IS ONE ALLAH,
THE CREATOR, THE INITIATOR,
THE DESIGHNER
TO HIM BELONGS THE MOST
BEAUTIFUL NAMES,
GLORIFYING HIM IS EVERYTHING
IN THE HEAVENS AND EARTH,
HE IS ALMIGHTY, MOST WISE.
TABLE OF CONTENTS
CONTENTS
Acknowledgement
Dedication
Executive Summary
Introduction
Bank Alfalah Objectives
Branches Network of Bank Alfalah
Nature of the Organization
Vision of Bank Alfalah
Mission of Bank Alfalah
Core Value/Groups
Feature and Finance Policy
Departments
Funded and Non Funded Facilities
Exports and Imports
Work done by me
Introduction of the branch of Bank Alfalah in which I worked
Clearing Department
3rd Week Of Internship
Cash Department
4th Week Of Internship
Token Department
5th Week Of Internship
Credit Department
6th Week Of Internship
Collection of Bills
Learning as an Internee
Swot Analysis
Recommendation
Coclusion
Reference
ACKNOWLEDGEMENT
First of all I would like to thank ALLAH, without who it would have
been impossible for me to reach where I am at the moment. I
have completed this report with the help of a lot of people and I
would like to thank all the people who helped me out for the
completion of my report and for helping me out regarding many
problems which I faced during the internship tenure. It is only due
to divine help and courage that I am able to do all , and all the
people at BANK ALFALAH LIMITED, who helped me to collect
information, which was necessary for the completion of this
internship report.
I would also like to thank my family who helped me a lot in the
ups and downs of my career.
Executive Summary
Following privatization, Bank Alfalah emerged as new identity of
Habib Credit and Exchange Bank with a revived purpose and
commitment. Charged with the strength of Abu Dhabi consortium
and under the leadership of His Highness Sheikh Nahayan
Mabarak Al-Nayayan, the bank has already made significant
contributions in building and strengthening both corporate and
retail banking sector in Pakistan.
Designing the product portfolio of bank in response to the
customers preferences, the product like Royal Profit, Royal Patriot
and Royal Custodial are prime examples of quality and innovation
providing timely banking opportunities to the customers of bank.
Assessment of the needs and wants of the customers is an
ongoing process at Bank Alfalah, which helps to continually
develop new products and services. To continuously offer
courteous, professional and advanced banking solutions, the team
of bank has recently been rejuvenated by going though training
programs with a focus on information technology.
To make their banking solutions become accessible to more and
more people, they have embarked upon a rapid expansion
program, aiming to provide a networking that makes the services
available to any of their customers in all the major urban centers
of Pakistan- with a view to go international in the near future.
With their key indicators of progress already soaring to new
heights, the bank is committed to dedicate all its energies,
resources and time to bring higher value and satisfaction to their
customers, employees and shareholders.
was that BCCI was of Islamic mode. Therefor, the bank was closed
due to international pressure. Then, its 3 Pakistani branches were
taken over by the Government of Pakistan, which were named as
Habib Credit and Exchange Bank (HCEB) and these were working
as subsidiary of Habib Bank Limited.
Following the privatization in July 1997, Habib credit and
Exchange Band assumed the new identity of Bank Alfalah on
February 25, 1998. It is now Abu Dhabi based bank as the family
of Sheikh Nahayan Mubarik Al-Nahayan purchased 70% of its
shares and 30% shares remained with Habib Bank on behalf of
Government of Pakistan.
It has its 18 branches in 8 cities of Pakistan. The Multan branch
has recently been opened in May 1999. It is not listed on any
stock exchange of Pakistan.
Charged with the strength of Abu Dhabi consortium, and under
the leadership of His Highness Sheikh Nahayan Mabarak AlNahayan, Minister of Higher Education and Scientific Research,
Government of Abu Dhabi, and a prominent member of Royal
Family, the bank is energized with the vision, envisaging the
development of various sectors in Pakistan.
Mission/Objectives
Edge on competitors.
High profits.
Expansion of strong structure.
Variety of Products.
A good banking standard.
Bank Believes
Every door leads to our customers.
The legacy of leadership stands as our guiding light.
The strength of chain relies on the strength of each link.
A keen ear is a key to understanding. Achievement is nothing
without target.
Time is our most valuable asset.
Performance is nothing without the ability to measure it.
Every drop counts.
Branches Network
Bank Alfalah has its 18 branches in 8 cities of Pakistan. Detail is
as under:
KARACHI
Main branch, B.A. Building, I.I. Chundrigar Road.
Cloth Market Branch.
Clifton Branch.
Shahrah-e-Faisal Branch.
Karachi (new Branch).
LAHORE
Kashmir Road Branch.
Gulberg Branch.
Defense Branch
RAWALPINDI
Mall Road Branch.
OTHER BRANCHES
Other Branches are in:
Sialkot
Islamabad
Peshawar
Multan
Faisalabad
Quetta
Sukkur
Hyderabad
Gujranwala
Now, Bank Alfalah is going to establish its branches in some
foreign countries. Hopefully, in Dhaka (Bangladesh) and Bahrain,
its branches will be opened in the year 2001. Some branches will
also be opened in European countries.
The Board
The list of Board of Directors of Bank Alfalah Limited is as under:
H.H. Sheikh Nahayan Mabarak Al-Nahayan.
Mr. Abdulla Naseer Hawalled Al-Mansoori.
Mr. Abdulla Khalil Al-Mutawa.
Mr. Omar Z. Al-Askari.
Mr. Naeem Iqbal Sheikh.
Mr. Ikram-ul-Majeed Sehgal.
Mr. Muhammad Saleem Akhtar.
Mr.
Mr.
Mr.
Mr.
Omar Z. Al-Askari.
Abdulla K. Al Mutawa.
Ganpat Singhvi.
Bashir A. Tahir.
Executive Committee
Mr.
Mr.
Mr.
Mr.
Mr.
Mr.
Auditors
A.F. Ferguson & Co.
Chartered Accountants.
ORGANIZATIONAL CHARTS
FEATURES
Bank Alfalah Limited is and established bank. It has some special
features with the help of those it is growing rapidly.
Efficiency
Employees at Bank Al-Falah are quite efficient. As Multan branch
is a new one, its employees have to bring their bank among the
list of good banks. Therefore, they work more than their working
hours and it is all according to their will. It also shows their
loyalty, commitment to organization.
Customer Services
All the customers are entertained individually. Same kind of
behavior and attention is given to all the customers.
Employee Benefits
Employees are given the benefits like bonus, gratuity funds,
loans, increments, house rent, medical and conveyance.
Share Capital
The authorized capital of Bank Alfalah is of Rs. 1000 Million
(100,000, 000) Paid-up capital is of Rs 600 Million (600,000,000)
ordinary shares of Rs.10 each issued for cash.
Products
Prioritizing its product portfolio in line with its corporate and
consumer needs and wants the bank is committed to develop
products that give more value to its customers in both the
sectors.
Following their trend of bringing value added products and
services to their customers the bank has present Royal Group,
Royal Profit and Royal Patriot.
ROYAL GROUP
Royal Group is a joint investment plan that allows individuals to
invest money collectively and earn higher rate of profit.
Deposit Amount
Rate
100,000-999,999
9.50 %
1,000,000-9,999,999
9.70 %
10.00 %
ROYAL PROFIT
It is the profit obtained by individuals on their deposited amount.
Deposit Amount
Rate
50,000 to 999,999
9.00 %
1,000,000 to 9,999,999
9.50 %
10.50 %
ROYAL PATRIOT
It is similar to term deposit. In term deposit one get no benefit of
profit when he withdraws his money before maturity date. But in
Duration
Amount
Rate
Rate
Rate
Rate
Rate
25,000-999,999
8.00 %
10.00 %
10.50 %
11.00 %
11.00 %
1,000,000-4,999,999 8.10 %
10.10 %
10.60 %
11.10 %
11.25 %
10.25 %
10.70 %
11.20 %
11.50 %
8.20 %
FINANCE POLICY
Bank Alfalah finance on short term basis only against current
assets to its customers in both corporate and consumer sectors.
They dont invest too much in fixed assets. Maximum credit for
short term is Rs. 50 Millions for one party, they dont go beyond
five years financing.
FINANCING SCHEMES
The bank has introduced many financing Schemes such as Term
Finance & Royal Personal Finance. The bank has recently
introduced a Car Finance Scheme.
1 year
2 years
3 years
Factors
0.09168
0.04993
0.03615
ALFALAH CAR
Its a scheme that enables one to own his desired car at easily
affordable and flexible installments with a minimum down
payment and insurance.
Salient Features
Lowest Financing cost available in the market
Tenure of 1 to 5 years as per individual requirement
Quickest processing
rates
available
from
banks
approved
Monthly Installments
Monthly Installments for Alfalah Car can be calculated by
multiplying Banks financing amount with the following factors:
Periods
Factors
For 12 months
0.09072
For 24 months
0.04962
For 36 months
0.03609
For 48 months
0.02944
For 60 months
0.02553
Eligibility Criteria
All Businessmen, Corporate Employees, and other salaried or selfemployed professionals having net take home income in excess of
three times the monthly installment.
Types of Account
1. Current Account
2. Saving Account
3. Notice Deposit
4. Term Deposit
Current Account
There is no interest on these accounts. It is only for transaction
purposes. They paid on demand. Where a banker accepts, paying
all checks drawn against him to extend of the balance in the
Saving Account
The purpose of this account is to introduce the habit of saving
individuals in the neighborhood. The profit on saving accounts is
paid on the basis of profit and loss sharing at 9 % six monthly. The
minimum balance requirement for opening the account is
Rs.5000.
Notice Deposits
Notice Deposits are kind of fixed deposits. The minimum balance
requirement for opening the account is Rs. 5000 and payment is
drawn on maturity of the specific period.
Term Deposit
A term deposit is a deposit that is made of a certain period of
time. At the end of specific period the customer is allowed to with
draw the principal amount. The rate of return of this account
varies from 8 % to 13 %. The term deposit account varies from
one month to 5 years and the minimum balance requirement is
Rs. 5000.
Individuals Account
When a single man or woman opens an account in his or her own
name and has the right to operate, it is called individual A/C.
Documentation
Copy of National Identity Card.
Proper Identification ( Introduction ).
Operation
The person place in the type of account and type of operation
required in the account opening form.
He/she fills in part 1 of the form, a fix his/her either two of four
similar signature ( or thumb expression in the signature space )
and get it introduced and signed by a person who already has an
account with the bank and write his account number in the
specific rows in a specific space.
The person fills his or her father, mother, husband/wife or any
other relatives name, his/her address, phone number, his or her
sign to certify this requirement. This requirement is needed
because in his/her absence bank can have correspondence with a
specific person.
The person deposits the initial amount for opening account onto
the cash counter. The person put his signature on form on two
places in authorized Signature and fills in the Title of Account
space by writing his name.
If the person put his signature in Urdu or any other language
other than English, he signed a Vernacular Form.
The next day is opening of account
Joint Account
When two or more persons neither partners nor, trustees, open an
account in their name is joint account.
Documentation
copy of N.I.C card.
Identification ( Introduction ).
Operation
The person checks the type of account and type of operation
required in the respective box on the form.
The person fills the Part-1 and Part-II
Signature of box or all persons are obtained on the formed in the
area specified for signature.
In the title of account space names of all persons maintained.
Account holders specified in the form that they will operate the
form singly or jointly.
Proprietorship Account
When the owner of the firm operating singly, open an account in
his firm name.
Documentation
Copy of N.I.C.
Status of the firm.
Copy of Sole Proprietorship Declaration.
Operation
All operation remains the same, except that the firm name is
written in title of account area and Signature of the proprietor in
the specified area.
Partnership Account
The account is opened in the firm name and all partners
designate one or two persons to act behalf of the partnership firm
all acts of the firm jointly and serverly.
Documentation
Copy of N.I.C of all partners.
Status of the firm ( In case of registered firm ).
The attested copy of Partnership Deed (in case of registered firm
).
Operation of the A/C (as per deed).
Third party Mandate.
Letter showing the authority of one or more partners to act on.
Operation
All other requirements are same except that all partners dully sign
the form, cards are signed by all of those partners who will act on
behalf of the firm.
Operation
The person authorized in the resolution of the board of directors
put their signature on the S.S Card.
Next of Kin requirement is not need in a case of Private Limited
Company. Other procedure is same.
After completing each and every formalities are signed by all
partners who will act on behalf of the firm.
Operation
Operation is same as Private Limited Company
ACCOUNT CLOSING
When a customer wants to close his account because of any
reason, he has to give a hand written application to the head of
PROCEDURE
All the account opening formalities must be completed before,
issuance of cheque book. Particulars of the chequebook
requisition should be completed containing title of account,
account number, type of currency, number of leaves and
signature of the customer. Signature of, the customer are verified
on the requisition.
If customer is unable to collect his chequebook, then he can give
authority to the 'third person to collect his cheque book' on his
behalf by signing on the back of .the requisition. In such case, the
particulars of the third person are required like name of the
person, NIC number and signature of that person on requisition
and chequebook issuance register.
CASH DEPARTMENT
Mr. Aqeel and Mr. Jawad helped us in learning about Cash
Department. Cash Department performs two main functions:
1. Cash Deposits
2. Cash Payments
CASH DEPOSITS
Cash receiving officer receives cash along with pay-in slip from
the customer. He checks if the deposit slip is properly filled up
containing title of account, account number, date and amount in
word and figures. He also verifies signature. Detail on both
counter file and cash receipt voucher should be the same.
Cash is received by the cash receiving officer, twice counted and
matched with the deposit slip. The cash details are written on the
back of the deposit slip and are also entered in cash receiving
register. Cash received stamp is affixed on the face of the deposit
slip along with the signature of the cash receiving officer.
Deposit slip and cash receiving register is given to the officer in
cash department. Again proper scrutiny is made by the officer
cash department both on cash receipt and cash receiving register.
Officer cash department signs both the deposit slip and register;
Deposit slip is credited and posted in the concerned account in
the system.
Counter folio is given to the depositor as receipt. One
consolidated cash debit voucher is posted in the system to
balance the cash.
PAYMENT OF CHEQUES
The process for payment of cheques for local and foreign currency
is same. First the customer presents the cheque or holder to
branch and the particulars of cheque are properly filled in.
Signature of the holder is taken on the back of the cheque.
Cheque handed over to the officer cash department for scrutiny
where officer checks the date, amount in words and amount in
figures, payee's name crossing if any, account number, cheque
serial number, any material alterations, endorsements and
signature of the customer.
Account is debited and then the officer cancels cheque. It is
posted in the system and posting stamp and number is affixed on
it. Cheque is handed over to the cash payment officer for
payment. One more signature on the back of the cheque is taken
from the holder to match with the first one, and then cash is paid
to the payee. Cash detail is written on the back of the cheque.
Cash paid stamp is affixed on the face of the cheque. Entry is
passed in the cash payment register.
If the payment is of Rs. 50000 the cashier can make it on its own.
If the amount is greater than Rs. 50000 to Rs. 100,000 the cashier
and cash deposit Incharge will verify the check and will sing it.
Then the payment will be made. But, if the amount is greater than
Rs. 100000 to Rs. 1000,000 the manager operation will also verify
the check and sign it so that the payment can be made. If the
amount is greater than Rs. 1000,000 the Branch Manager
Will also verify the check and sign it. Otherwise the payment will
not be made.
CLEARING DEPARTMENT
In clearing, Mr. Anees remained so helpful. The clearing process
majority involves receiving the cheques and making payments.
This process can be inward or outward.
Remittances Department
1.Pay Order
A pay order is a written order issued by a bank, drawn upon &
payable by itself, to pay a specified sum of money to or to the
order of a specified person.
2. DEMAND DRAFT
A Demand Draft (DD) is an instrument, which is drawn by one bank upon another
bank for a specific sum of money payable on demand. It is made by the bank,
given to the purchaser against cash or cheque.
3.Telegraphic Transfer
Sometimes, when the remittance is urgently required by the
remitter, Telegraphic Transfer (TT) is issued . TT may be issued to
general public on their written request and against the value
received.
maintaining his account with the branch, he can give cheque and
application form is then given to the officer for the payment of
cheque.
After proper scrutiny, Officer Cash Department posts the cheque
Telegraphic Transfer message is written in the telex containing
name of transferring branch, name of receiving branch, date,
amount, currency, payees name and account number or
identification if any, payer name and payment advice. A test
number is given to the T. T. message for receiving branch. This
message is then sent through telex to the receiving branch
followed by a T.T. advice. The customer is confirmed that T.T. has
been sent.
the reimbursement. Copies of the FTT and ETCA are kept in the
record of the bank.
Collection
All the cheques under collection are called cheques under
Collection in Bank Alfalah Limited. There are two types of bills for
collection:
1. Outward Bills for Collection
2. Inward Bills for collection
1. CREDIT PRINCIPLES
It includes principles to be adopted for lending authority,
approval, monitoring and control on a basis consistent with Bank
Alfalah Ltd.
The operational objectives and business strategies regarding
objectives, structure, performance and administration are also
included.
2. CREDIT PORTFOLIO
These are the guidelines set down by Credit Committee regarding:
Total facilities
Term facilities
3. CREDIT APPROVAL
When the terms and conditions are set and both parties are
agreed, the Credit committee makes approval for the credit.
4. CREDIT ADMINISTRATION
The credit application when handed over to Credit Administration,
then they critically examine securities given by client to bank
against credit facilities. Credit Administration keeps liaison with
lawyers, surveyors, valuators and other corporate bodies.
5. CREDIT MONITORING
The client can present his own account insurance policy as
security for credit. When he presents his own account as security,
his account is blocked for the same amount, which the bank is
granting him. When the facility is adjusted at that time, the
blocking is released from the account. Clients can also use third
partys account for getting credit. Shares can also be kept as
security in this case these are verified and duly signed. These are
kept separate to avoid theft. The company whose shares are used
is informed that its shares are in the custody of the bank.
Advances
Bank Alfalah Limited, Abdali Road Multan, provides the following
facilities in Advances Department:
Funded facilities
Non-funded facilities
FUNDED FACILITIES
These are the facilities in which funds like cash fund are included.
LPO
Goods purchased on behalf of bank and provided to customers.
PRE-SHIPMENT
It provides to prepare consignment. Maximum tenor is about 150
days. Profit may be 16% per annum. The repayment is generally
from sale proceeds. This is for preparation of consignment.
POST SHIPMENT
During export process, funds are required for preparation of next
consignment that is provided by post-shipment facility. Maximum
tenure is 150 days. Profit rate is about 15% per annum.
CREDIT CARDS
Bank Alfalah has no credit card facility but, Inshallah, in March the
credit cards will be issued by bank
ADVANCES IN 1999
Rs. 10,327,324,000 All in Local Currency
Exports
EXPORTER
When the bank becomes the exporter bank for a party then the
market stability, reputation, financial position of the exporter is
first of all checked.
FORM E
Certificate of Origin (Form A)
Government has provided facility to exporter in taking E-Form
from any bank and he can present it to any bank for negotiation.
Export Proceed Realization Certificate
SBP gives rebate to exporter against export after realization. It is
paid according to commodity wise and bill wise.
Claim period: 1 year.
E-FORM CERTIFICATION
When export is done on C&F basis, so bank issues E-form
certification to exporter and he submits it to the custom officer
along with E-form certification to certify E-form.
CERTIFICATE OF ORIGIN
This certificate shows that goods are from Pakistan.
COVERING SCHEDULE
BENEFICIARY CERTIFICATE
If L/C requires some information as proof of anything from
exporter then exporter has to present beneficiary certificate for
that proof.
E-FORM
E-form has four copies:
1. One for custom officer
2. One for exporter
3. Triplicate copy for SBP
4. Duplicate copy for bank
Bank reporting or duplicate and triplicate is done by bank. Custom
Officer (date is given on the foot of form) should clear product.
SWIFT
It is network among all banks. No other institute can get involved
in it.
BILL OF LADING
Certificate from shipping company for loading documents. If
requirement of L/C is to issue Bill of Lading in favour of L/C
opening bank, then authorized dealer certificate will be provided
by bank in favor of L/C opening bank.
IMPORTS
L/C is opened by the importer. There are two types of L/C.
1. Revocable
2. Irrevocable.
NECESSARY REQUIREMENT
If place of issue and port of loading is different on Bill of Lading,
then along with the stamp of shipment on board, vessel name and
port of shipment is written.
1) Issue date of Bill of Lading shipment on board.
2) There should not be cutting on bill of lading without
authentication.
3) Bill of lading should show capacity of agent. If bill of lading can
be taken by the agent of Importer Company, then his name
should be mentioned on bill of lading.
4) Original GSP should be presented.
5) If TT reimbursement is not acceptable, it means bill of lading is
necessary.
When documents are received for export, do enter into lodgment
register.
Account Department
Most important department of bank as it is concerned with:
Revenue
Expenses
Assets
Liabilities
These are the pillars of any business. This department is
supervised by Mr. Masood Ahmad. In this department, all the
vouchers that are posted during one day are sent to the Account
Department next day. These vouchers
already posted to
computer by the concerned department. So computer also sends
LEARNING AS AN INTERNEE
Duties and Accomplishment
My duties at the bank were of different types. I was rotated in
different departments in different weeks. But my duties were
always supervised by the employees of BAL so that I do not
make any major mistake, as I was an internee and didnt go
through the training of three months, as all the employees of BAL.
Individual account
Individuals Account
When a single man or woman opens an account in his or her own
name and has the right to operate, it is called individual A/C.
Documentation
Copy of National Identity Card.
Proper Identification ( Introduction ).
Partnership Account
The account is opened in the firm name and all partners
designate one or two persons to act behalf of the partnership firm
all acts of the firm jointly and serverly.
Documentation
Copy of N.I.C of all partners.
Status of the firm ( In case of registered firm ).
The attested copy of Partnership Deed (in case of registered firm
).
Operation
All other requirements are same except that all partners dully sign
the form, cards are signed by all of those partners who will act on
behalf of the firm.
Cash Department
In cash department different kinds of facilities are given to the
customer such as: received cheques, pay cash, receive cash, ,
online transaction. Online service is provided by the bank to
transfer money from one account to another.Cash department
deals with the cash, which either comes in the Bank or goes out
side the Bank. Cash can be in any form of currency.
Having work in cash department I learnt how to accomplish
different tasks like deposit, credit card slips. I have counted
bundles of cash, sorted the cash and make their packets and
bundles again. If there is spoiled cash then it is sent to the head
office. Head office sent this to State Bank, which after checking it
burn the spoiled notes.
DEPOSITS
This is the major source of the cash inflow.
When someone
deposits the cash in the Bank in any currency, it means that the
cash is coming in the Bank.
Check following things to ensure:
Deposits slip date.
with the cash department amount, that which has been paid. Any
cheques that is returned from the current department because of
any discrepancy, is debited from the total amount on the register
in token department.
mark
up
rate
has
been
decided
and
clean
up
gold .Advances
SWOT ANALYSIS
Strengths
Bank has a belief in customer service
Backed by strong Abu Dhabi Consortium
Customer give suggestion for the improvement of bank and
these suggestions are listened carefully.
Manager & EVP Mr. Asif A. Sheikh has good coordination with
staff members.
Environment is friendly.
Products are excellent
Expansion is consistent
Modernized banking (online + Internet)
Fully computerized, each department has to own PC.
WEAKNESSES
BCCI Image.
Mixed Culture
New Setup
No ATM facility is provided
No traveler cheques are issued.
Tokens are not issued to customer so the chances of doubling
are present.
OPPORTUNITIES
Information Technology.
Credit Card Facility
Internet Banking
Establishing Foreign Branches
Local Setup Expand
THREATS
Competition
Legal Reputation
Recommendations
CONCLUSION
BANK ALFALAH ( BAF ) under the leadership of Sheikh Nahayan
Mabarak Al-Nahayan has made significant in building of
strengthening both the corporate and retail banking sectors in
Pakistan.
The Bank attained Number two (2) position in terms of its Balance
Sheet size amongst the private banks in Pakistan in 1999. The
They are aware that they have stepped into the 21 st century and
they must meet its challenges by acquiring the highest levels of
Technology. They will thus be accelerating their enable them
distribute their products and services through most efficient and
high-tech means. Their programme to launch real time on line
Banking Services and introduction of ATMs at strategic locations
have been firmed up and it will be fully operational during the
year 2001.
Their focus would be to constantly seek out growth opportunities
through increased quality assets and by offering a wider range of
products and services to their esteemed customers They are
committed to enhancing the shareholders value and look forward
with greater optimism to a prosperous future for BANK ALFALAH
Based on the profit of Rs.354 million, the Board has proposed that
a cash dividend at a rate of Rs. 2.00 per share i.e. 20% of share
capital be distributed among the shareholders.
REFERENCES
WWW.GOOGLE.COM
WWW.BANK ALFALAH.COM
WWW.WEBCRAWLER.COM/BANKING
WWW.BANKINGNEWS.COM