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The drawer is the party that issues a bill of exchange which is the creditors. In an export transaction, the exporter draws the bill as money is owed to him. The exporter draws the bill on the importer who is the drawee.  Drawee is the debtor who owes money to the exporter (the creditor).

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1.     Interest

= Principal (P) × Time (T) × Rate Quoted

= RM50,000 × 6/12 × 3.75%

= RM937.50

2.     Interest

= Principal (P) × Time (T) × Rate Quoted

= RM100,000 × 93/365 × 4.00%

= RM1019.18

3.     Interest

= Principal (P) × Time (T) × Rate Quoted

= RM65,000 × 90/365 × 3.5%

= RM560.96

Amount should Iqram deposit today

= RM560.96 + RM65,000

= RM65,560.96

4.     Interest rate per annum

= RM40,000 × 90/365 × rate = RM41,500

= RM9863.01 × rate = RM41,500

Rate = 4.21%

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The amount in February is less than the amount in January because the principal and the rate quote in February is higher than January. But, the time period of February is smaller than January.

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In picture 1 and 2, we can know that they are the relationship between banker and customer (BCR).  A complex relationship was resulted  from huge variety of products and services provide by the banks in modern era.   The banker-customer relationship is legal or contractual in nature.

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Financial conglomerates supervision is related to the checking and auditing of the banking institutions in Malaysia.