The key to National prosperity and development lies, in the effective combination of three factors - technology, raw material and capital, of which technology is perhaps the most important, since the creation and adoption of new scientific techniques can, in fact, make up for deficiency in natural resources and reduce the demands of capital. Banking is an important segment of the service providing sector and acts as a backbone of economic progress. The banking system is one of the few institutions that impinge on the economy and affect its performances for better or worse. They act as a...