There are many banks operating in Pakistan, most have been nationalized or privatized. Some improved their services coming in the open market competition, but some have deteriorated to the extent that working with them has become impossible. My personal experience with the government owned National Bank was beyond horrendous. I made an internet transaction from my overseas account to National Bank account in Pakistan and it has taken over four months for the money to be deposited into my account. There are international laws governing the movement of currency but what could take a bank four months to transfer money from one account to another?

SAHAR REHMAN,

Lahore, October 24