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5.4pt;\r\n\tmso-para-margin:0in;\r\n\tmso-para-margin-bottom:.0001pt;\r\n\tmso-pagination:widow-orphan;\r\n\tfont-size:10.0pt;\r\n\tfont-family:\"Times New Roman\";\r\n\tmso-ansi-language:#0400;\r\n\tmso-fareast-language:#0400;\r\n\tmso-bidi-language:#0400;}\r\n\u003c/style\u003e\r\n\u003c![endif]--\u003e\r\n\u003c/head\u003e\r\n\r\n\u003cbody lang=EN-US style=\u0027tab-interval:.5in;text-justify-trim:punctuation\u0027\u003e\r\n\r\n\u003cdiv class=Section1\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eASSESSING\r\nTHE PERFORMANCE OF BANKING COURTS\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eBy\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eSayyed\r\nQalb-e-Abbas Kazmi\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eDeputy\r\nHead-Legal Affairs Division\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eBank\r\nAl-Habib Limited, Karachi\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003eThe Document discusses\r\nBanking Courts operating in Pakistan, their role and performance. Besides, the\r\nDocument analyzes the causes of delay in disposal of cases lying pending in\r\nBanking Courts, and gives Recommendations for improving the laws, system and working\r\nof Banking Courts so as maximum Non-Performing Loans (NPLs) are recovered and\r\nfinancial health of the Banks is restored on one hand and the customers\r\ncomplaints are resolved on other.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(1) Establishment of the\r\nCourts\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nFinancial Institutions (Recovery of Finances) Ordinance, 2001 has been\r\npromulgated to redress the issues relating to the Banking Companies loans,\r\nadvances, credits, finances and recoveries, etc.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eUnder\r\nsection 5 of the said Ordinance the Federal Government may establish as many\r\ncourts as it considers necessary to exercise jurisdiction in respect of cases\r\nin which the claim does not exceed one hundred million rupees or for the trial\r\nof offences under this Ordinance.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eA\r\nJudge of Banking Court shall be appointed by the Federal Government after\r\nconsultation with the Chief Justice of the High Court of the Province in which\r\nthe Banking Court is established and no person shall be appointed a Judge of\r\nBanking Court unless he is or had been or is qualified to be a District Judge.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(2) Procedure of the\r\nCourts\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eA\r\nBanking Court shall in all matters with respect to which the procedure has not\r\nbeen provided under this Ordinance, follow the procedure laid down in the Code\r\nof Civil Procedure, 1908 and the Code of Criminal Procedure, 1898.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eWhere\r\na borrower or customer or a financial institution commits a default in\r\nfulfillment of any obligation with regard to any finance, the financial\r\ninstitution or, as the case may be, the customer may institute a suit in the\r\nBanking Court by presenting a plaint which shall be verified on oath, in the\r\ncase of a financial institution, by the Branch Manager or such other officer of\r\nthe financial institution as may be duly authorized in this behalf by power of\r\nattorney or otherwise.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nplaint shall be supported by a statement of account which, in the case of a\r\nfinancial institution, shall be duly certified under the Bankers\u0027 Books\r\nEvidence Act, 1891 (XVII of 1891), and all other relevant documents relating to\r\nthe grant of finance. Copies of the plaint, statement of account and other\r\nrelevant documents shall be filed in the Banking Court in sufficient numbers so\r\nthat there is one set of copies for each defendant and one extra copy.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(3) Consolidated Statement\r\nof Cases disposed of by Banking Courts\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThere\r\nare 29 courts operating in Pakistan under The Financial Institutions (Recovery\r\nof Finances) Ordinance, 2001.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nperformance of these courts can be assessed, from the following Table, for the\r\ncalendar year ending on 31-Dec-2014.\u003c/p\u003e\r\n\r\n\u003ctable class=MsoNormalTable border=1 cellspacing=0 cellpadding=0\r\n style=\u0027margin-left:.5in;border-collapse:collapse;border:none;mso-border-alt:\r\n solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:0;mso-yfti-firstrow:yes\u0027\u003e\r\n  \u003ctd width=68 valign=top style=\u0027width:51.35pt;border:solid windowtext 1.0pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eNumber of Courts\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=79 valign=top style=\u0027width:59.1pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003ePendency on 1.1.2014\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=83 valign=top style=\u0027width:62.35pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eInstitution During the\r\n  year\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=73 valign=top style=\u0027width:54.4pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eTotal Cases for\r\n  Disposal\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=73 valign=top style=\u0027width:54.4pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eDisposal During the\r\n  Year\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eBalance on 31.12.2014\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=69 valign=top style=\u0027width:51.55pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e% Pending Cases\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:1;mso-yfti-lastrow:yes\u0027\u003e\r\n  \u003ctd width=68 valign=top style=\u0027width:51.35pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e29\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=79 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style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e22,474\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=73 valign=top style=\u0027width:54.4pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e64,024\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=73 valign=top style=\u0027width:54.4pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e26,772\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e37,252\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=69 valign=top style=\u0027width:51.55pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e58%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n\u003c/table\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan\r\nstyle=\u0027font-size:10.0pt;font-family:\"CG Times\";mso-bidi-font-family:\"CG Times\";\r\nletter-spacing:.2pt\u0027\u003e\u003co:p\u003e\u0026nbsp;\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAlthough\r\nthe above statistics are outdated (as of 31-Dec-2014), however, it can be seen\r\nfrom the above Table that the disposal ratio is just 42% for the year, whereas\r\n58% of the cases remained un-decided in the courts.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(d)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eBesides\r\nabove, there is no data available from Law and Justice Commission of Pakistan\r\nindicating the aging analysis of the pending court cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(4) Status of Pending\r\nLitigation in Banking Courts in Pakistan:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAs\r\nstated earlier, the Secretariat of Law and Justice Commission of Pakistan\r\nprepares the data of cases being tried in Banking Courts in Pakistan, but it is\r\noutdated and whatever is available for review, it does not indicate aging of\r\npending litigation cases in Banking Courts.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eState\r\nBank of Pakistan collects data of pending litigation regarding NPL of all banks\r\nand financial institutions on half-yearly basis. Lastly available data in this\r\nregard is of 31-Dec-2016, from which following summary is derived and\r\nconsolidated:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003ePending\r\nLitigation Cases of Banking Sector regarding recovery of NPL\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal align=center style=\u0027margin-bottom:12.0pt;text-align:center;\r\nmso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eStatus\r\nas of 31-12-2016\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003ctable class=MsoNormalTable border=1 cellspacing=0 cellpadding=0\r\n style=\u0027border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\r\n mso-padding-alt:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:0;mso-yfti-firstrow:yes\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e\u003cspan\r\n  style=\u0027mso-spacerun:yes\u0027\u003e \u003c/span\u003e#\u003c/span\u003e\u003c/b\u003e\u003cspan style=\u0027letter-spacing:\r\n  .2pt\u0027\u003e\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e\u003cspan\r\n  style=\u0027mso-spacerun:yes\u0027\u003e \u003c/span\u003ePeriod\u003c/span\u003e\u003c/b\u003e\u003cspan style=\u0027letter-spacing:\r\n  .2pt\u0027\u003e\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=253 colspan=4 valign=top style=\u0027width:189.55pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eNumber of Cases\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=339 colspan=4 valign=top style=\u0027width:254.4pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eAmount (Rs.\r\n  Million)\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:1\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e\u003co:p\u003e\u0026nbsp;\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e\u003co:p\u003e\u0026nbsp;\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eBanking Courts\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eHigh Courts\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eTotal\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eBanking Courts\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eHigh Courts\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eTotal\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:2\u0027\u003e\r\n  \u003ctd width=97 colspan=2 valign=top style=\u0027width:73.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eRecovery Suits:\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext 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valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eMore than 10 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e814\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e100\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 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style=\u0027letter-spacing:.2pt\u0027\u003e5%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e2,616.610\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e19,175.634\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e21,792.243\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e9%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:8\u0027\u003e\r\n  \u003ctd width=97 colspan=2 valign=top style=\u0027width:73.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eExecutions:\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e31,119\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e875\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e31,994\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e100%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e71,630.224\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e121,193.339\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e192,823.563\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e100%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:9\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e1\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eLess than one Year\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  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style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e125\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3,205\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 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style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e1 - 3 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e7,513\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 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windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e27%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:11\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3 - 5 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal 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style=\u0027letter-spacing:.2pt\u0027\u003e31,412.177\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e16%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:12\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e4\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e5 - 10 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e11,039\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e167\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e11,206\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e35%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e23,301.543\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e14,832.625\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e38,134.167\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e20%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:13\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e5\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eMore than 10 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3,032\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e213\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3,245\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e10%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e10,981.287\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e28,976.761\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e39,958.048\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e21%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:14\u0027\u003e\r\n  \u003ctd width=97 colspan=2 valign=top style=\u0027width:73.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eGrand Total:\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e47,655\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e1,823\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e49,478\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e100%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e121,076.78\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e312,073.139\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top 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style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e100%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:15\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e1\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eLess than one Year\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e6,962\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e249\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext 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style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e45,182.071\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e58,538.674\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e14%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:16\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e2\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e1 - 3 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e12,614\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e491\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e13,105\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e26%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e30,694.294\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e82,708.269\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan 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.75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3 - 5 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e9,574\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e316\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e9,890\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e20%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e27,146.614\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e62,265.401\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e89,412.015\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e21%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:18\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e4\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e5 - 10 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e14,659\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e454\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e15,113\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e31%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e36,281.372\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e73,765.003\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e110,046.376\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e25%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:19;mso-yfti-lastrow:yes\u0027\u003e\r\n  \u003ctd width=23 valign=top style=\u0027width:17.0pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e5\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=75 valign=top style=\u0027width:56.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eMore than 10 Years\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=74 valign=top style=\u0027width:55.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e3,846\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=63 valign=top style=\u0027width:47.35pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e313\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=60 valign=top style=\u0027width:45.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e4,159\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e8%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=89 valign=top style=\u0027width:66.8pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e13,597.897\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e48,152.395\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=97 valign=top style=\u0027width:73.0pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e61,750.292\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=55 valign=top style=\u0027width:41.6pt;border-top:none;border-left:none;\r\n  border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003e14%\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n\u003c/table\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:9.0pt;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;text-indent:-.3in;mso-pagination:none;\r\ntab-stops:.5in;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan\r\nstyle=\u0027font-size:10.0pt;font-family:\"CG Times\";mso-bidi-font-family:\"CG Times\";\r\nletter-spacing:.2pt\u0027\u003e\u003co:p\u003e\u0026nbsp;\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAs of\r\n31-Dec-2016, Banks and Financial Institutions in Pakistan are having NPL of Rs:\r\n619 billion, whereas an amount of Rs: 433 billion (70% of this portfolio) is in\r\nthe shape of recovery suits and executions lying pending in the Banking Courts\r\nall over Pakistan.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(d)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIt is\r\nan alarming situation that an amount of Rs: 172 billion (which is 39% of the\r\ntotal pending litigation) of these suits are not resolved despite of passing a\r\nperiod more than 5 years.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(e)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eFurther,\r\ndevastating situation that an amount of Rs: 62 billion (which is 14% of the\r\ntotal pending litigation) of these suits are not resolved despite of passing a\r\nperiod more than 10 years.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(5) Justice delayed is a\r\njustice denied\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003e\u0027Justice\r\ndelayed is justice denied\u0027 is a very common adage in the judicial domain. It is\r\none of the most burning problems in the administration of justice. This system\r\nof justice is so ambiguous and miserable for the people that it cannot be\r\nexplained in a word.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThere\r\nare many instances that people who went to court to address their grievances\r\nafter selling off their lands and property to meet the expenses of the court,\r\nbut did not get justice in their lifetime. At present, the only demand of\r\npeople is the speedy approach to justice. Certainly \u0027speedy approach to\r\njustice\u0027 is gradually getting the status of an important human right which is\r\nalso denied by some administrators in justice and the underprivileged people\r\ncontinue to be dominated by them.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThis\r\nday, the judiciary organ is an independent organ in our country from the\r\nexecutive. So, it is high time to adopt effective steps to dispense our justice\r\nas early as possible.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(d)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eHow\r\nmuch pain the delay process of justice involves need not be explained. This\r\npicture of justice is very much dreadful for our poor citizens. It is generally\r\nseen that a case is still hanging in court, which began more than one decade\r\nago. There are many victims who don\u0027t easily think of going to court seeking\r\njustice because they know it will take years to prove a clearly visible wrongdoer\r\nis the actual criminal.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(e)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eMoreover,\r\nthe impact of this unusual delay in disposal of cases falls on the victims. Due\r\nto delay in litigation, people become annoyed to obtain proper justice at any\r\nstage and also develop a negative outlook in their mind about the total\r\njudiciary schemes including judges, lawyers, associates and the administration\r\nof justice etc.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(f)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThe\r\nprocess of delay in litigation is equally known to all and nevertheless it may\r\nsound inconsistent with due process of law. The fact remains that the very\r\ncases are misused and abused in order to delay cases for an indefinite period\r\nand ultimate success in the cause often proves false. Now, law is an effective\r\nweapon in the hands of the state to mitigate the social needs by ensuring proper\r\njustice in time. Such effort of law is liable if justice fails to mitigate the\r\nmisery of the mass people due to delay in litigation only and the faith in\r\njustice can never be instilled in the mass people if the state doesn\u0027t ensure\r\nthe speedy process of justice.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(g)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\nthe field of justice, delay in litigation is traditionally practiced in our\r\ncountry as like at the same time as denying due process of law. The result is\r\nthat cases are piled up in all the courts hugely day by day. Basically, the\r\ndelay in litigation is incredibly practiced in civil courts. Our civil courts\r\nare governed by the Civil Procedure Code 1908 which was enacted during the\r\nBritish reign. But, after the independence, the government of Pakistan had\r\ntaken an attempt to accelerate the civil procedure system.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(h)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eDelay\r\nin litigation is still prevailing in the field of civil justice. On the other\r\nhand in criminal area, it is usually seen that a person, from the date of\r\narrest, is in custody without any trial for many days though it is not proved\r\nwhether he is an offender or not. Crime increases only when the justice is\r\ndelayed or do not take place. So, it is obviously a vital issue to change the\r\npresent scheme of our legal procedure. A number of causes seem to be\r\nresponsible for creating this crippling situation in the way of our justice. An\r\nattempt has been made here to pinpoint some of the causes and suggest measures\r\nto remove them. It appears that the main causes of delay are:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eLack\r\nof good lawyers.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nattitude of some of the lawyers is also to some extent responsible for delay.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eAccumulation\r\nof cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eInsufficient\r\nnumber of judges.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(v)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLack\r\nof proper observation of the provisions of the Codes.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(vi)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eA\r\nlarge number of cases that come before the Supreme Court cannot be concluded\r\nhastily due to interpretation of legislative enactment in question.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(vii) Delay in proper investigation or inquiry in a\r\nlitigation.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(viii) Variety of laws on a particular issue.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ix)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eInadequate\r\noffice equipment and machinery.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(x)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eUnreasonable\r\nabsence of witnesses.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(xi)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eCumbersome\r\nexecution procedure of decrees in civil cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(xii) Lack of utilization of modern technology in\r\nkeeping records and documents.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThe\r\ndelay in litigation is practiced in our judicial domain for many days. So, it\r\ncan\u0027t be removed in a day. But, it is as much crucial an issue that our\r\nGovernment has to take immediate steps to diminish this problem.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eHowever, following steps can be adopted to change the\r\ncurrent character of administration of justice:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThe\r\natmosphere of justice must be corruption free.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAdequate\r\nnumber of judges should be ensured.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:1.0in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eJustice\r\nadministration system should be easy and not much expensive. Although the\r\nConstitution guaranteed equal right.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(6) Impact of delay in\r\ndisposal of cases lying pending in Banking Courts:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAs\r\nper Prudential Regulations issued by the State Bank of Pakistan, the Banks are\r\nrequired not to book the mark-up recoverable on this portfolio to income of the\r\nBanks; and in addition, it is required to build a reserve for the NPL portfolio\r\nkeeping in view the aging of the loan and securities available to the Bank\r\nagainst these loans.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eKeeping\r\nin view the above, it is a matter of utmost importance to provide a mechanism\r\nand judicial support to the Banks for speedy recovery of the NPLs so as\r\nfinancial health of the Banks is restored, depositors\u0027 money is protected and\r\nbanks are assisted in performing the role of trustee for public deposit, so as\r\ndepositors are paid principal sum as well as appropriate profit thereon\r\naccordingly.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(7) Causes of delay in\r\ndisposal of cases lying pending in Banking Courts:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(a)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eDelay in dispensing justice is number\r\none problem:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eIn any literature on the legal system of Pakistan, delay\r\nin dispensing justice is considered as the number one problem that hinders the\r\naccess to justice. There are some civil cases which were filed during the life\r\nof grandfather litigants and are still under trial. Too much time, often\r\nresults into too much money.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(b)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eDeficiencies in The Financial Institutions\r\n(Recovery of Finances) Ordinance, 2001:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(i)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eInterim Decree:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eSection\r\n11(1) of F.I.O., 2001 has been amended through Financial Institutions (Recovery\r\nof Finances) (Amendment) Act, 2016.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eA\r\ncomparative sketch of the Section before and after the amendment is narrated\r\nhereunder:\u003c/p\u003e\r\n\r\n\u003ctable class=MsoNormalTable border=1 cellspacing=0 cellpadding=0\r\n style=\u0027margin-left:19.45pt;border-collapse:collapse;border:none;mso-border-alt:\r\n solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:0;mso-yfti-firstrow:yes\u0027\u003e\r\n  \u003ctd width=279 valign=top style=\u0027width:209.4pt;border:solid windowtext 1.0pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eBefore Amendment\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=276 valign=top style=\u0027width:206.9pt;border:solid windowtext 1.0pt;\r\n  border-left:none;mso-border-left-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cb\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eAfter Amendment\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/b\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr style=\u0027mso-yfti-irow:1;mso-yfti-lastrow:yes\u0027\u003e\r\n  \u003ctd width=279 valign=top style=\u0027width:209.4pt;border:solid windowtext 1.0pt;\r\n  border-top:none;mso-border-top-alt:solid windowtext .75pt;mso-border-alt:\r\n  solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eIf the Banking Court\r\n  on a consideration of \u003cb\u003ethe contents of plaint, the application for leave to\r\n  defend of the defendant and the reply thereto\u003c/b\u003e, is of the opinion that the\r\n  dispute between the parties does not extend to the whole of the claim, or\r\n  that part of the claim is either undisputed, or is clearly due, or that the\r\n  dispute is mainly limited to a part of the principal amount of the finance or\r\n  to any other amounts relating to the finance, it shall, while granting leave\r\n  and framing issues with respect to the disputed amounts, pass an interim\r\n  decree in respect of that part of the claim which relates to the principal\r\n  amount and which appears to be payable by the defendant to the plaintiff.\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n  \u003ctd width=276 valign=top style=\u0027width:206.9pt;border-top:none;border-left:\r\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\r\n  mso-border-top-alt:solid windowtext .75pt;mso-border-left-alt:solid windowtext .75pt;\r\n  mso-border-alt:solid windowtext .75pt;padding:0in 5.4pt 0in 5.4pt\u0027\u003e\r\n  \u003cp class=MsoNormal style=\u0027mso-pagination:none;mso-layout-grid-align:none;\r\n  text-autospace:none\u0027\u003e\u003cspan style=\u0027letter-spacing:.2pt\u0027\u003eIf the Banking Court\r\n  on a consideration of \u003cb\u003eaffidavit under oath by the customer supported by\r\n  certificate of a Chartered Accountant on the approved panel of the State Bank\r\n  of Pakistan under Section 35 of the Banking Companies Ordinance, 1962 (LVII\r\n  of 1962)\u003c/b\u003e\u003csup\u003e11\u003c/sup\u003e, is of the opinion that the dispute between the\r\n  parties does not extend to the whole of the claim, or that part of the claim\r\n  is either undisputed, or is clearly due, or that the dispute is mainly\r\n  limited to a part for the principal amount of the finance or to any other\r\n  amounts relating to the finance, it shall, while granting leave and framing\r\n  issues with respect to the disputed amounts, pass an interim decree in\r\n  respect of that part of the claim which relates to the principal amount and\r\n  which appears to be payable by the defendant to the plaintiff.\u003co:p\u003e\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n  \u003c/td\u003e\r\n \u003c/tr\u003e\r\n\u003c/table\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:6.0pt;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;text-indent:-.3in;mso-pagination:none;\r\ntab-stops:.5in;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan\r\nstyle=\u0027font-size:10.0pt;font-family:\"CG Times\";mso-bidi-font-family:\"CG Times\";\r\nletter-spacing:.2pt\u0027\u003e\u003co:p\u003e\u0026nbsp;\u003c/o:p\u003e\u003c/span\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(3)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eAs seen from above comparative study, the interim decree\r\nprior to amendment was based on judicial mind of the court for awarding interim\r\ndecree for an amount after considering:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003ethe\r\ncontents of plaint,\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003ethe\r\napplication for leave to defend of the defendant, and\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003ethe\r\nreply thereto,\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(4)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eBut, after the amendment, now the court is restricted to\r\nconsider the amount of interim decree based an amount for which:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAn\r\naffidavit of the customer is provided; and\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\namount is supported by the certificate given by a Chartered Accountant.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(5)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eAs the Customers are always seeking extended time for\r\nprolonging the recovery suits of the Bank, no customer be willing to provide\r\naffidavit for any amount for award of interim decree by the Banking Courts\r\nagainst them.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(6)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eThe aforesaid amendment is totally lopsided in favour of the\r\ncustomer. It neither takes the judicial approach of the court into account, nor\r\na viewpoint of the Bank (regarding amount of interim decree) is heard.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eHence, the amended law will drastically affect the\r\nrecovery of NPL of the Banks.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;text-indent:\r\n.5in;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(ii)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eOne Common Security with multiple\r\nlending banks:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003ePresently if a customer avails some finance from different\r\nBanks (say 3 or 4) against the same security, which is shared by the finance\r\nproviding banks, in case of default of the customer in repayment of finance,\r\neach Bank has to file separate recovery suit against the default customers.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eIn such like situation, default should be considered against\r\nall the creditors and recovery suit filed by any one creditor must be resulting\r\ninto a decree in favour of all creditors.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;text-indent:\r\n.5in;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(iii)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eRegistration of pleading documents:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eThe Registrar of the Banking Court ensures that all suits,\r\nleave to defend applications, applications, replications, appeals, criminal\r\ncomplaints being filed with the Banking Court by any party are compliant of\r\nrequirements of the Ordinance especially the requirements of section 9(1), (2)\r\nand (3) in case of a suit and section 10(2), (3), (4) and (5) in case of leave\r\nto defend application and he endorses an office note on each and every such\r\ndocument presented for filing stating findings of his scrutiny and date of\r\npresentation of such document.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eIf such a Note is made by Registrar, it must be construed a\r\ncertificate from the Court that pleading documents are in compliance of the\r\nLaw. Later on, either of the litigating party must be barred to raise an\r\nobjection against it.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(3)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003ePresently, despite of registration of these documents,\r\nadversarial objections are made by the litigating parties and substantial time\r\nis wasted in objecting, replying, arguing and deciding on these objections by\r\nthe Banking Courts.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;text-indent:\r\n.5in;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(iv)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eThe Panel of Amicus Curie:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eAs per section 5(8), the Banking Court may, if it so\r\nrequires, be assisted in technical aspects of banking transactions involved in\r\nany case by an amicus curiae who has at least ten years experience of banking\r\nat a senior management level in a financial institution of repute or the State\r\nBank of Pakistan and who has the qualifications of Commerce, Account or in\r\nEconomics; or in Business Administration; or who has completed a course in\r\nbanking from the Institute of Bankers, Pakistan.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eDespite of clear wording of the aforesaid Section, the\r\nBanking Court always hire Chartered Accountants at heavy costs as an amicus\r\ncurie.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(3)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eThe panel of amicus curiae must also contain some bankers,\r\npreferably law graduates having experience in management of Non-Performing\r\nLoans (NPLs).\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;text-indent:\r\n.5in;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(v)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eFurnishing of Security:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eIn case the Banking Court grants leave to defend to the\r\ncustomer and the case is not decided within the time frame as envisaged in\r\nsection 13(1) of the Ordinance then if the Banking Court, after examining the\r\ncourt diary, is satisfied that the delay is mainly attributed to the customer,\r\nit shall record its findings and shall forthwith pass an order for furnishing\r\nof security and in case of non-compliance by the customer the Banking Court\r\nshall proceed to pass a decree as mentioned in section 13(1) of the Ordinance.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e        \u003c/span\u003eThe security to be furnished must be a fresh security in the\r\nshape of immovable property or cash or otherwise.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eAlready mortgaged, hypothecated or pledged property or\r\ngoods shall not be considered as security.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003ePresently, the Banking Courts accept the property (which\r\nis subject matter of suit) as sufficient security while granting the stay,\r\nwhich is against the spirit of law.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;text-indent:\r\n.5in;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(vi)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eRealization of Decree:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eIt is well saying that, \u0026quot;Miseries of the litigant\r\nstarts, once he gets the decree is in his hands\u0026quot;. Over the time, the\r\ncollateral available with the Bank has been devalued. No genuine bidder comes\r\nto purchase the property because of disclosure of actual sale price and stamp\r\nduties etc. Even if it is sold in auction through bidding, it is very hard and\r\nlengthy process to take the possession of the property.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(c)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eSuit for rendition of accounts:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eIt\r\nis a routine matter in the Banking Courts that Courts are adjudicating suits\r\nfor rendition of accounts filed by the customers against the financial\r\ninstitutions.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIt\r\nis asserted that in case of partnership firms, registered firms (being the\r\ncustomer) can file the suits for rendition of accounts against the financial\r\ninstitutions, whereas unregistered firms are barred by law to do so under the\r\nprovisions of section 69(2) of the Partnership Act, 1932.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eIt\r\nis a matter of concern that banking courts are adjudicating suits for rendition\r\nof accounts filed by unregistered firms (which is barred by law) and sometimes\r\nBanks\u0027 recovery suits are clubbed with these suits, which results into wastage\r\nof time and cost for the Banks.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(d)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLoopholes in the civil and criminal\r\nLaws:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eLeakage of civil and criminal procedure codes allows the\r\ncases to be lengthy. Lawyers in some cases also play their part in delay\r\nbecause more delay will ensure more earning for them.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(e)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLitigation Database Management:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eIn\r\nPakistan, all superior courts (Supreme Court and High Courts) as well as\r\nsubordinate courts have moved towards automation of court files whereby cause\r\nlist and case information is available online. The progress in the pending\r\nlitigation as well as the reasons for pendency can be checked by any one and at\r\nany time. Similarly, the present status of the case as well as next date of\r\nhearing can be checked from the websites.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIt\r\nis unfortunate to state that despite of automation of the aforesaid courts, the\r\nbanking courts are not yet automated. It is strongly recommended to automate\r\nthese courts at the earliest.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(f)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eInsufficient Judicial Resources:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eThe lack of a sufficient number of judges and courts\r\nforce a judge to deal with two to three thousand cases in a year.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(g)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eOutdated Procedures:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eEven\r\nafter justice is delivered, it cannot be forced until the confrontational\r\nparties receive a written copy of the judgment.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\nsome cases, the judges ordered immediate issuance of the court order and signed\r\nit at once but in most cases, this whole process took a lot of time.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(h)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eDelays by assisting agencies:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eCriminal\r\ncases are delayed due to two reasons: The delay in submission of police report\r\nand the delay in court. Police takes long to submit an investigation report due\r\nto shortage of manpower and excessive workload as well as corruption in a\r\npolice station. When a final charge sheet is submitted to the court, it becomes\r\nthe place where justice is stuck.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eOn\r\naverage, 40% to 60% of the cases are charge sheeted yearly but only 25% of\r\nthese cases are put on trial. Following this rate, every year cases are\r\naccumulated causing a huge backlog.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(i)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eNon-availability of Judges:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eDissolution\r\nof a Bench stops the procedure of the cases entrusted to that Bench.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLater,\r\nwhen that particular Bench gains its jurisdiction again, the suspended cases\r\nare re-opened from the very first stage. As a result, justice is not delivered\r\nin time and a backlog is created.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(j)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eComponents of delay in civil cases:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eA\r\ngreat deal of delay occurs in summon service, processes filed by the parties\r\nare not promptly sent to the Nazir for service; unduly long adjournments are\r\nfrequently granted as a matter of course for filing deficit court fees on\r\nplaints, process-fees, cost, commissions etc.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eTardy\r\npractices are made in filing written statement; amendment of pleading even at\r\nbelated stage; substitution of parties also causes delay of disposal of suits.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eWant\r\nof skilled lawyer and indifferent court is also a contributing device for\r\ncausing delay of disposal of suits.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(k)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eComponents of delay in criminal cases:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eAbsence\r\nof witnesses in the criminal cases even after repeated issuance of summons and\r\nwarrants; driving out of the witnesses of the criminal case by the defense side\r\nin a collusive venture and connivance; absence of prosecutor and defiance\r\nlawyer; non-production of accused persons by the jail authority are the key\r\ncomponent hindering speedy disposal of cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eFailure\r\nof producing the accused persons by the jail authority outside the districts on\r\ngrounds of their involvement and being wanted in other criminals of the said\r\ndistricts for shortage of police escorts; ascendance of the accused persons and\r\ntheir voluntary surrender before the court in the middle of trial seeking for\r\nrecalling of the witnesses already examined which cause the delay.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eSplitting\r\nup of the criminal records for simultaneous trial of the adult as well as\r\njuvenile offenders at two separate court; frequent hearing to the bail matters\r\nfor the same accused persons; non-appearance of the magistrate recording the\r\nconfessional statements of the accused persons even after repeated issuance of\r\nsummons and processes; non-arrival of the Investigation officer even after\r\nexhaustion of all the process; non-compliance of warrants by the police\r\npersonnel; non-appearance of the expert witnesses for proof of the expert\r\nreports and dilatory tactics of the defense lawyer etc. are the usual\r\ncomponents of delay in the disposal of criminal cases. These are the common\r\ncauses of delay, which are generally faced by the Sessions, Special and\r\nTribunal Judges during the trial of criminal cases. Court supervision and\r\nmonitoring a consensus has emerged that a docket can be current only when a\r\njudge supervises the scheduling and progress of all steps of the case with\r\nsystematic case management.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eOnce\r\na litigant invokes the jurisdiction of the court, the court has the\r\nresponsibility of pressing the lawyers and litigants to prepare the case for\r\nadjudication without delay. The court\u0027s loss of control over the litigation\r\ninvariably leads to procedural inactivity. In reality, each case is to be\r\nsupervised throughout its life with no unreasonable interruption in its\r\nprocedural development.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(v)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eMonitoring\r\ncan play the pivotal role for improved court administration and case\r\nmanagement. In terms of monitoring, the District and Sessions Judges may hold\r\nthe key position in the lower judiciary and as such their responsibility to\r\nenhance improved court management is a must.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(l)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eOutdated Laws:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eIn\r\nthe case of laws, some of the primary legislations are almost 150 years old.\r\nThe British heritage still plays an important role and the judiciary still\r\nfollows some statutes, the sole purpose of which is to restrict the movement of\r\nthe unprivileged litigating parties.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIgnoring\r\nthe dynamicity of law is placing it in a static position where laws are not\r\nkeeping pace with the changing pattern of crime of modern nature in financial\r\nsector.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(m)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003ePoliticization of the Legal Sector\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eLegal\r\nsector has usually been considered as the utmost source of accountability.\r\nHowever, in recent years, the particular phenomenon-politicization has touched\r\nthis very sector. There is little doubt in the fact that the courts are often\r\npoliticized.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLack\r\nof accountability is paying its price. Bribery is quite common, even certain\r\ndocuments can be \u0026quot;lost\u0026quot;, if proper amount of money is spent. Also,\r\nthe High Court and the Supreme Court are not beyond its reach.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eSuperior\r\nCourts (High Courts and Supreme Court) are much focused in disposal of\r\npolitical cases, filed or defended by opposition (political parties) against\r\nthe government.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(n)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eCase Management\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eIn\r\nPakistan, lack of a systematic delegation of authority in court management\r\nmakes the judges overburdened. There is no database about the number and status\r\nof cases dealt by a court.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThough\r\nLaw and Justice Commission of Pakistan prepared a central database to monitor\r\nthe number of pending cases function of judges, but it is always outdated. The\r\nreport is prepared by the Commission on yearly basis and last available report\r\nis for the year ending on 31-Dec-2014.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(o)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLow Quality of Judges and Court Staff\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eFor\r\nadversarial system to work, efficient and qualified lawyers are an essential\r\nprecondition. During the British period, there was a provision that to practice\r\nlaw, a person had to be on one year probation in court and in the chamber of a\r\nsenior lawyer.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLong\r\ntimes ago, in order to enroll in the High Court, a lawyer had to practice five\r\nyears in lower courts. However, in 1962, President Ayub Khan simplified this\r\nprovision that after two years of practicing in lower courts, a lawyer could\r\nenroll in High Court.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eBesides,\r\nwe have observed that judges are sometimes appointed on political consideration\r\nwithout considering their educational background and training received.\r\nHowever, political appointments of public prosecutors are unavoidable, but such\r\nappointment will not work if the appointees don\u0027t know the law.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eIn\r\naddition, renowned lawyers are reluctant in taking up the job of judges, as it\r\nwould limit their income.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(p)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eShortage of Manpower\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eWith\r\nthe increase of the population of the country, the number of litigations has\r\nincreased as well. However, the number of courts and judges and other personnel\r\ninvolved in the system has not been increased sufficiently.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIt\r\nis found that almost about thousands cases are filed every day. Under the\r\ncircumstance, it necessitates to enhance the number of court and judges for\r\nspeedy disposal of the cases filed every day.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(q)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIneffective Law Enforcement Authority\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThere\r\nare many flaws in the law enforcement mechanism of both criminal and civil\r\njustice system. In the criminal cases, police reports are the foundation of\r\ncriminal justice. The police arrests, frames the case, investigates and submits\r\ncharge sheet to the court. Police does all the preliminary work of justice,\r\nbased on which judgment is delivered from the court.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAs\r\nthe police are the framer, investigator and reporter of the case, there is huge\r\nscope for manipulation. In some cases, charge sheet depends on the amount of\r\nthe bribe. Sometimes they even manipulate the murder case by tampering\r\nevidence.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eJustice\r\nis affected due to corrupt practices of police. They make weak charge sheets\r\nwith an attempt to weaken the case they get bribes from the offenders.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eMoreover,\r\npolice personnel are often used by the ruling political party. The ruling party\r\nalso appoints police personnel from the party cadre. As such, police normally\r\ncannot work independently.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(r)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eCorruption\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eAccording\r\nto 2016 results of Corruption Perception Index of Transparency International,\r\nPakistan ranks 116th place out of 176 countries with its previous score of 127\r\nout of 175 in 2013\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\n2002, in a report titled \u0026quot;Nature and Extent of Corruption in the Public\r\nSector\u0026quot;, Transparency International (TI) Pakistan reported that the\r\nhighest amounts of bribery were spent on people affiliated with the judiciary.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eLater in 2010, TI Pakistan presented a breakdown of the\r\nvarious actors in the judicial system involved in corruption. A majority of the\r\nparticipants reported that they, or someone in their household, have been\r\nsubjected to an act of corruption while interacting with someone from the\r\njudiciary. When asked of the actors involved, 33.62% people said court\r\nemployees, 23.73% said public prosecutors, 14.12% said witnesses, 12.43% said\r\njudges, 8.19% said opponent lawyer, and 4.52% said magistrates while 3.39%\r\nmentioned others.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eIn a\r\n2011 survey, TI Pakistan identified judiciary as the most corrupt institution\r\nin Pakistan alongside police.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eNevertheless,\r\nwith the proceedings of some high-impact corruption cases against government\r\nofficials, including the prime minister, the Supreme Court demonstrated its\r\npositive role in tackling corruption.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eWhere the apex court was being hailed for its\r\nanti-corruption efforts in 2013, Mehmoodul Hassan, a member of the Sindh Bar\r\nCouncil, alleged that nepotism and corruption were still \u0026quot;rampant\u0026quot; in\r\nthe lower judiciary, particularly high courts and the lower courts, where\r\npeople were unlawfully promoted within the judiciary.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(s)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eLack of Indigenization\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eWe\r\nhave so far failed to indigenize the judiciary. Instead, it is still operating\r\non the basis of British laws and systems. For instance, given the huge backlogs\r\nof cases mainly due to shortage of judges, three months\u0027 vacation in the High\r\nCourt is quite ridiculous.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\nfact, during the colonial days, judges coming from European countries needed\r\nthree months\u0027 yearly holiday to visit home, but in the present scenario these\r\nlong holidays are quite unnecessary and it only undercuts the performance of\r\njustice sector further.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eDuring\r\nthese three months\u0027 vacation witnesses may forget the case, evidence may be\r\ndistorted, litigating parties, advocates and judges may die or many other\r\nunpredictable things may happen.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eThe\r\nphilosophical, psychological, systemic and procedural barriers together create\r\na negative attitude and reservations towards formal courts for the poor. The\r\nsuspicion and distrust about the formal legal system is colossal. This negative\r\nattitude has been translated through the cultural system, and it is now a\r\nmatter of disgrace to go to court. As a saying goes, \u0026quot;only those people go\r\nto court who are bad and dangerous\u0026quot;. Another says; \u0026quot;in arbitration\r\nyou have no other way but truth, and in court you have no other way but to tell\r\nlies\u0026quot;. Therefore, it is a matter of shame and dishonor, for which a few\r\nare prepared to embrace. In some extreme cases, the same attitude goes even\r\nfurther and to protect the honor of the local community, all the local\r\ncommunity masses are prohibited or even barred from going to court.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(8) Recommendations:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(a)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eRecommendation for amendments in The\r\nFinancial Institutions (Recovery of Finances) Ordinance, 2001:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eIn\r\ncases, where multiple finances are provided by different Banks against the\r\ncommon security offered by the Customer, default of the customer with any one\r\nBank should be considered as a default against all the creditors. A recovery\r\nsuit filed by any one creditor must be decided and resulting into a decree in\r\nfavour of all creditors.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIf\r\nRegistrar of Banking Court makes a Note on pleading documents that documents\r\nare presented in compliance to provisions of FIO, it must be construed as a\r\ncertificate from the Court that pleading documents are in compliance of the\r\nLaw.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eLater on, either of the litigating party must be barred\r\nto raise an objection against it. It will save the time and result into early\r\ndisposal of cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eInstead\r\nof focusing on Chartered Accountants, the panel of amicus curiae must also\r\ncontain some bankers, preferably law graduates.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003ePresently,\r\nthe Banking Courts accept the property (which is subject matter of suit) as\r\nsufficient security while granting the stay, which is against the spirit of\r\nlaw.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eAlready mortgaged, hypothecated or pledged property or\r\ngoods shall not be considered as security.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(v)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003ePresently,\r\nrecovery suits of Rs: 100 million are filed in the Banking Courts, whereas the\r\nsuits involving an amount exceeding Rs: 100 million is filed in the High Court\r\n(having the jurisdiction of the Banking Court).\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eWhen a recovery suit is of Rs: 110 million and it is\r\nunder trial in the High Court (having the jurisdiction of the Banking Court),\r\nif the Customer is found of committing a criminal offence, the Bank has to file\r\nthe Criminal Complaint under section 20 of FIO in the Banking Court and not in\r\nthe High Court.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eIn such situation, the file of recovery suit is with the\r\nHigh Court who has fully cognizant of the facts; but criminal complaint is to\r\nbe decided by the Banking Court.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eIt is suggested that in such a situation, the High Court\r\nmust decide the criminal complaint and it should not be entrusted to Banking\r\nCourt.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(vi)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eAll\r\nspecial courts like as customs, tax and Labor Courts, there is a concept of\r\nBench having judicial and technical members.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eNormally, technical members are from the relevant\r\ndepartments. In case of Banking Courts, it is suggested that bankers having law\r\nbackground should be hired as technical members. If done so, it will result in\r\nearly resolution of the litigation and speedy disposal of the cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(b)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eQuarterly sitting arrangement:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cspan style=\u0027mso-tab-count:\r\n1\u0027\u003e            \u003c/span\u003eInteraction with Bar in respect of related matters;\r\ncoordination with the Judges of subordinate court; Monitoring in terms of\r\nproviding logistic support. Here logistic support includes skilled staff,\r\nnecessary Stenographer Typist, accommodation of office and residence and\r\ntransport facility of the judges.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(c)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIntroduction of informal justice system:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eAlternative\r\nDispute Resolution (ADR) system can be strongly recommended to overcome those\r\nsetbacks and delays beside the formal justice system in order to eliminate the\r\nendless sufferings of the litigants. This new device can be developed by\r\npracticing dispensation of justice in traditional methods like mediation,\r\nconciliation and arbitration.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eFor\r\nthe first time in our legal system the provisions with regard to ADR have been\r\nintroduced by amending the Code of Civil Procedure. Certainly, this concept is\r\nnovel in our civil justice delivery system and case categorization system.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eFor\r\nthe purpose of filing and record, cases will be classified according to subject\r\nmatter type and possibly also value and age. This could help with the\r\nconsolidation of similar types of cases for hearing and disposal by the judge\r\nat the same time and assist the case tracking and case flow management finally\r\nresulting in expeditious disposal of suits and cases.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(d)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eEffective legal aid system:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThe\r\nmain objective of legal aid system is to promote access to justice and ensure\r\njustice for all, without any discrimination. By providing legal aid system, a\r\ngood number of suits and cases can be disposed of at its earliest.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eA\r\nlarge section of justice seeking people is being hindered to proceed with their\r\ncases for financial constraints. In this circumstance, the effective legal aid\r\nsystem can play a vital role to minimizing the number of suits cases pending\r\nbefore the court of law.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(e)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eComprehensive legal reforms:\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThe\r\ngovernment has already introduced Alternative Dispute Resolution (ADR) in\r\njudicial system by amending the Civil Procedure Code. ADR introduced earlier in\r\nfamily courts, as pilot project has been proved successful.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eAnother\r\nreform as to formation of monitoring cell to discuss and highly sensational\r\ncases for quick disposal has also proved effective.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eThe\r\ngovernment is the major litigant in this country, either as plaintiff or\r\ndefendant. In many cases the government does not make any appearance. The\r\ngovernment is thus responsible in many cases to prolong the litigation.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eMajor\r\nreforms in our legal system are necessary for ensuring speedy justice. The\r\nfundamental aim or motto of the judiciary is to ensure justice within shortest\r\npossible time. Judiciary plays a co-ordination role between other two organs of\r\nthe state. Its role is not limited therefore merely in settling disputes within\r\nthe four walls of the court room in between two disputants. The judiciary\r\ncannot be oblivious of the social consequence that may follow from what it\r\ndecides and how it decides.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(v)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eFinally,\r\nit may be pointed out that no solution of the problems will ever be effective\r\nunless and until the parties including their advocates and also the judges come\r\nforward with all sincerity to end litigation in due time. Only then the maxim\r\nof equity which goes to say that \u0026quot;justice should not only be done but must\r\nbe shown to have been done\u0026quot; will come into reality.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(f)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eMediation\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eThe\r\nmost common type of ADR is mediation. Although the word\r\n\u0026quot;conciliation\u0026quot; is also used in ADR terminology, there is virtually no\r\ndistinction between mediation and conciliation, because mediation includes\r\nconciliation.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\nPakistan, at pre-trial stage, Family Courts ascertain the precise points of\r\ncontroversy between the parties and attempt to effect compromise between the\r\nparties. If reconciliation fails, the Family Court immediately passes a decree\r\nfor dissolution of marriage and, in case of dissolution of marriage through\r\nkhula, the court directs the wife to surrender up to 50% of her deferred dower\r\nor up to 25% of her admitted prompt dower to the husband.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eIt\r\nis generally recognized that when parties come to a stage of litigation when\r\nthe trial is imminent, alternative dispute resolution is too late a procedure\r\nto induce the parties to divert themselves to a different procedure, because by\r\nthat time the parties had already spent a substantial amount of money, time and\r\nenergy in the litigation. It is then too late to take an interest in a cost\r\nsaving or timesaving procedure. Attitudes had also hardened mutually on both\r\nsides.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eIt is\r\ndesirable that after the defendants file their written statements, the\r\npresiding judge should read both the plaint and the written statements and call\r\nthe parties and their lawyers, if any, to impress upon them the desirability of\r\nsettling their disputes through mediation or non-binding arbitration. If the\r\nparties agree the case is adjourned for three months, within which they have to\r\nobtain either a settlement or a failure of it from either the mediator or the\r\narbitrator. In the event of failure to settle, the court will proceed to try\r\nthe case, according to a time-calendar for each case, and the adversarial\r\nsystem will resume.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003e(g)\u003cspan\r\nstyle=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eCourt-Directed Mediation Proceedings\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(i)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e         \u003c/span\u003eMediation\r\nis a completely voluntary and non-binding process of settlement of disputes\r\nbetween parties. It is an informal, flexible, confidential, non-adversarial and\r\nconsensual procedure in which the Code of Civil Procedure or any law of\r\nevidence does not apply. The proceedings are immune from disclosure in any\r\ncourt of law. An impartial, disinterested and neutral person acts as a\r\nmediator.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eMediation\r\nmay be either (1) Direct or (2) Facilitative.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\nDirect Mediation, the mediator applies all methods of squeezing into the heads\r\nof the parties as his own idea of a settlement.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIn\r\nFacilitative Mediation the mediator facilitates settlement negotiations,\r\nimproves communication between the parties, helps the parties to articulate\r\ntheir respective interests and stakes in the litigation and helps each party to\r\nunderstand the interests and stakes of their opponent in the litigation. He\r\nprobes the relative strengths and weaknesses of each party\u0027s legal position,\r\nidentifies areas of agreement and helps to generate options amongst the parties\r\nthemselves to arrive at a mutually acceptable resolution of their disputes.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iii)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eThe\r\nlawyers of each party are entitled as of right to take part in the mediation\r\nproceedings, but the mediator in an informal and flexible proceeding of this\r\nkind, may like to sit alternately with the plaintiffs or the defendants, with\r\nor without their lawyers.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(iv)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eThe\r\nparties may disclose many things to the mediator not articulated in the plaint\r\nor written statements, but the mediator must maintain the confidentiality of\r\nthese disclosures and tell the other side so much of the disclosures as he has\r\nbeen expressly authorized to disclose.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(v)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eHe\r\nmust not lean on any side and both sides must have confidence and trust in his\r\nimpartiality and neutrality unto the end, even if there is no settlement. If\r\nthe decision makers of a dispute in respect of payment of legal fees to the\r\nparties or in respect of execution of the court\u0027s decree are operating from\r\nbehind using the plaintiffs or the defendants as proxies, the mediator has the\r\nright to call and listen them too.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(vi)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eAt a\r\ntrial the judge\u0027s hands are more restrained. It may so happen that the mediator\r\ngenerates so much of a spirit of compromise between the parties that they even\r\nagree to withdraw other civil suits pending against each other in other civil\r\ncourts or compromise compoundable criminal cases pending against each other in\r\nvarious criminal courts. The final settlement is thus not limited to the\r\nprayers in the plaint.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(vii) In a formal trial, a judge cannot go beyond the\r\nprayers in the plaint if the suit is decreed.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(viii) In court-sponsored mediation the terms of\r\nsettlement may travel beyond the scope of pleadings. When signed by the\r\nparties, their lawyers and the mediator, the presiding judge will pass a decree\r\nin terms of the settlement.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(ix)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eIf\r\nother civil and criminal cases are also compromised in the document of\r\nsettlement, the parties will have to approach the other courts to pass a\r\ncompromise decree or compound a compoundable criminal offence.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(x)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eIf\r\none party fails to do so, the other party may sue for specific performance of\r\ncontract or may claim damages for breach of contract, because the written\r\nsettlement operates as a binding contract between the parties. There is no\r\nappeal or revision against a settlement of this nature.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(xi)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e       \u003c/span\u003eHence\r\nif all parties adhere to the terms of settlement several cases are finally\r\ndisposed of and go out of the pending list. When a court directs mediation, it\r\nmeans facilitative mediation.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-bottom:12.0pt;text-align:justify;mso-pagination:\r\nnone;mso-layout-grid-align:none;text-autospace:none\u0027\u003e\u003cb\u003eBibliography\u003co:p\u003e\u003c/o:p\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(1)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eStatutes:\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(a)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nFinancial Institutions (Recovery of Finances) Ordinance, 2001\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(b)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nFamily Courts Act, 1964\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(c)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nPartnership Act, 1932\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(d)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nCode of Civil Procedure, 1908\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(e)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eThe\r\nCode of Criminal Procedure, 1898\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(2)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003e\u0026quot;Administrative\r\nTribunals and Special Courts, Annual Report 2014\u0026quot;, issued by The\r\nSecretariat of Law and Justice Commission of Pakistan\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(3)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eState\r\nBank of Pakistan, \u0026quot;Compendium on Banking\u0026quot;, Karachi, as of\r\n31-Dec-2016.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(4)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003ePrudential\r\nRegulation R-8 issued by State Bank of Pakistan.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(5)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eTransparency\r\nInternational Pakistan, \u0026quot;Nature and Extent of Corruption in the Public\r\nSector\u0026quot;\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(6)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003e\u0026quot;Police,\r\njudiciary among most corrupt institutions in Pakistan\u0026quot;. NDTV aired on 29\r\nDecember 2011.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(7)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003eBoone,\r\nJon (15 January 2013). \u0026quot;Pakistan Supreme Court orders arrest of prime\r\nminister on corruption charges\u0026quot;. Islamabad, Pakistan: The Guardian.\u003c/p\u003e\r\n\r\n\u003cp class=MsoNormal style=\u0027margin-top:0in;margin-right:0in;margin-bottom:12.0pt;\r\nmargin-left:.5in;text-align:justify;mso-pagination:none;mso-layout-grid-align:\r\nnone;text-autospace:none\u0027\u003e(8)\u003cspan style=\u0027mso-tab-count:1\u0027\u003e        \u003c/span\u003e\u0026quot;\u0027No\r\nmerit, only corruption qualifies for a promotion in the judiciary\u0026quot;.\r\nPublished in \u0026quot;The Express Tribune\u0026quot; on 17 June 201\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\r\n\u003c/body\u003e\r\n\r\n\u003c/html\u003e\r\n"