https://admin.p-yes.gov.ngFresh celeb spills with instant click appeal.en-usWed, 17 Jun 2026 22:04:32 +0000https://admin.p-yes.gov.ng/are-bank-jobs-transferable.htmlhttps://admin.p-yes.gov.ng/are-bank-jobs-transferable.htmlAs it is a well known fact that banking job is a transferable one and the same is declared by all the Banks at the time of inviting applications as well as in the later stages of the recruitment process. Is bank clerk job transferable? For IBPS Clerk: A clerk after serving more than 5 years in a bra...Wed, 17 Jun 2026 22:00:56 +0000https://admin.p-yes.gov.ng/can-i-send-a-wire-transfer-without-a-bank-account.htmlhttps://admin.p-yes.gov.ng/can-i-send-a-wire-transfer-without-a-bank-account.htmlMoney orders and wire transfers are the old-school way to send money to people without a bank account. Money orders are inexpensive and very simple to use, but they also require you to mail a paper check to your recipient. Western Union and MoneyGram wire transfers are much faster, but you’ll pay fo...Wed, 17 Jun 2026 21:48:40 +0000https://admin.p-yes.gov.ng/is-dena-bank-private-or-government.htmlhttps://admin.p-yes.gov.ng/is-dena-bank-private-or-government.htmlIn July 1969 Dena Bank Ltd. along with 13 other major banks was nationalized and is now a Public Sector Bank constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970. Is Dena Bank now Bank of Baroda? Vijaya Bank and Dena Bank were merged with Bank of Baroda with...Wed, 17 Jun 2026 21:38:56 +0000https://admin.p-yes.gov.ng/should-the-government-intervene-in-the-economy-during-recessions.htmlhttps://admin.p-yes.gov.ng/should-the-government-intervene-in-the-economy-during-recessions.htmlFairness. In a free market, inequality can be created, not through ability and handwork, but privilege and monopoly power. Government intervention can regulate monopolies and promote competition. Therefore government intervention can promote greater equality of income, which is perceived as fairer. ...Wed, 17 Jun 2026 21:00:40 +0000https://admin.p-yes.gov.ng/are-national-banks-owned-by-the-government.htmlhttps://admin.p-yes.gov.ng/are-national-banks-owned-by-the-government.htmlIn the U.S., a national bank is a commercial bank chartered by the U.S. Treasury. Internationally, national banks are controlled by the international governments themselves and are also called “central banks.” National banks may facilitate daily transactions with their local Federal Reserve Bank. Wh...Wed, 17 Jun 2026 20:54:38 +0000https://admin.p-yes.gov.ng/can-you-get-an-overdraft-as-soon-as-you-open-a-bank-account.htmlhttps://admin.p-yes.gov.ng/can-you-get-an-overdraft-as-soon-as-you-open-a-bank-account.htmlWith overdraft coverage, however, you can use your overdraft as soon as you open the account and opt-in. Will an ATM let you overdraft? Overdrafts commonly occur when you make a purchase that exceeds your balance, but it’s also possible to overdraft at an ATM. Most U.S. banks allow account holders t...Wed, 17 Jun 2026 20:44:09 +0000https://admin.p-yes.gov.ng/what-is-a-check-drawn-on-the-bank-itself.htmlhttps://admin.p-yes.gov.ng/what-is-a-check-drawn-on-the-bank-itself.htmlCashier’s Check: A check drawn by the bank on itself, rather than on a drawer’s account, which constitutes the bank’s (i) promise to pay the payee on presentment and (ii) assumption of liability if the bank fails to pay. A teller’s check is usually drawn by a bank on another bank. What do you call t...Wed, 17 Jun 2026 20:28:09 +0000https://admin.p-yes.gov.ng/can-you-cash-a-cheque-for-someone-else.htmlhttps://admin.p-yes.gov.ng/can-you-cash-a-cheque-for-someone-else.htmlNo, the recipient of the cheque (sometimes called the “payee”) cannot remove a crossing from a cheque nor can the cheque be transferred over to a third party. It cannot be cashed over the counter by the payee; it must be paid into an account in the same name as that appearing in the payee line of th...Wed, 17 Jun 2026 20:15:41 +0000https://admin.p-yes.gov.ng/why-would-someone-be-taking-pictures-of-our-house.htmlhttps://admin.p-yes.gov.ng/why-would-someone-be-taking-pictures-of-our-house.htmlMaybe they admire something about your house and want to do something similar to theirs. Maybe they’re going to complain to the HOA about your house. Maybe your house is junky and you have things in violation of code in your area. Maybe they were actually taking a picture of your vehicle that has ex...Wed, 17 Jun 2026 20:12:36 +0000https://admin.p-yes.gov.ng/how-many-employees-does-apple-bank-have.htmlhttps://admin.p-yes.gov.ng/how-many-employees-does-apple-bank-have.html1,001 Apple Bank for Savings Type private Total assets US$ 14.307 billion (2018) Total equity US$ 1.196 billion (2018) Owner Trust for the benefit of heirs of Stanley Stahl Number of employees 1,001 (2018) Who took over Emigrant Savings Bank? Apple Bank for Savings Apple Bank for Savings Completes A...Wed, 17 Jun 2026 19:38:15 +0000https://admin.p-yes.gov.ng/what-is-drawing-power-in-sbi-account.htmlhttps://admin.p-yes.gov.ng/what-is-drawing-power-in-sbi-account.htmlDrawing power is the limit upto which one can withdraw money from a cash credit/over draft account. For term loan/demad loan accounts it is the expected balance in the account as on a particular date/month. What is drawing power cash credit? Drawing power is the limit upon which every borrower can w...Wed, 17 Jun 2026 19:27:13 +0000https://admin.p-yes.gov.ng/how-do-i-redeem-my-bank-guarantee.htmlhttps://admin.p-yes.gov.ng/how-do-i-redeem-my-bank-guarantee.htmlBeneficiary only needs to present a written request and invoices specified in the document, and the guarantor bank would pay after review the authenticity. Usually, guarantee would stipulate the form of claim, which is telegraphic claim or letter claim. What is bank guarantee process? A bank guarant...Wed, 17 Jun 2026 19:24:45 +0000https://admin.p-yes.gov.ng/how-do-you-write-400000-in-words.htmlhttps://admin.p-yes.gov.ng/how-do-you-write-400000-in-words.html400000 in Words 400000 in Words = Four Hundred Thousand. Four Hundred Thousand in Numbers = 400000. How do you write 400k in numbers? How do you write 400k in numbers? 400,000 written in lowercase: four hundred thousand. WRITTEN IN UPPERCASE: FOUR HUNDRED THOUSAND. Title Case: Four Hundred Thousand....Wed, 17 Jun 2026 19:23:36 +0000https://admin.p-yes.gov.ng/what-bank-does-not-use-chexsystems-near-me.htmlhttps://admin.p-yes.gov.ng/what-bank-does-not-use-chexsystems-near-me.html20 Banks that don’t use ChexSystems Chime Spending Account. Chime is a no credit check checking account with no monthly bank fees. Acorns Spend Account – $75 Bonus. Douugh Banking. Oxygen Business Account. Navy Federal Credit Union. First American Bank. PeoplesCashSolutions. Suntrust Bank. Do...Wed, 17 Jun 2026 19:16:11 +0000https://admin.p-yes.gov.ng/how-do-you-handle-hundreds-of-emails.htmlhttps://admin.p-yes.gov.ng/how-do-you-handle-hundreds-of-emails.html1) Email Management 101: Convert emails to tasks as they come in. 4) Don’t waste your signature. 6) Don’t field emails 24/7, take your time when you can. 7) Don’t hide your unanswered messages in folders. 8) Organize your emails by phases of progress. 9) Impose natural limits to future messages...Wed, 17 Jun 2026 19:15:54 +0000https://admin.p-yes.gov.ng/can-non-residents-open-bank-accounts-in-canada.htmlhttps://admin.p-yes.gov.ng/can-non-residents-open-bank-accounts-in-canada.htmlOpening a bank account if you’re not a Canadian citizen You may be able to open a bank account with the proper identification in Canada if you’re not a Canadian citizen or if you live in another country. You may need to go to the financial institution in person to open a bank account. Can I open a b...Wed, 17 Jun 2026 19:13:22 +0000https://admin.p-yes.gov.ng/who-can-freeze-a-joint-bank-account.htmlhttps://admin.p-yes.gov.ng/who-can-freeze-a-joint-bank-account.htmlBoth people are not required to authorize the freezing of a joint account; one person can do it. Can a partner freeze your bank account? Ordinarily, one partner cannot, in the absence of a clause to the contrary in the partnership deed, freeze the bank accounts. There is no specific section in the P...Wed, 17 Jun 2026 19:05:12 +0000https://admin.p-yes.gov.ng/who-would-be-responsible-for-the-investigation-of-a-bank-robbery.htmlhttps://admin.p-yes.gov.ng/who-would-be-responsible-for-the-investigation-of-a-bank-robbery.htmlThe FBI has had a primary role in bank robbery investigations since the 1930s, when John Dillinger and his gang were robbing banks and capturing the public’s imagination. In 1934, it became a federal crime to rob any national bank or state member bank of the Federal Reserve System. Who would most li...Wed, 17 Jun 2026 18:36:21 +0000https://admin.p-yes.gov.ng/what-is-e-banking-explain-its-features.htmlhttps://admin.p-yes.gov.ng/what-is-e-banking-explain-its-features.htmle-Banking: e-Banking or electronic banking is the latest wave in information technology. It can be defined as the services provided by the banks on the internet. These services help the customers to conduct banking transactions such as managing savings, applying for loans, checking accounts, paying ...Wed, 17 Jun 2026 18:32:37 +0000https://admin.p-yes.gov.ng/what-does-a-euro-equal-in-pounds.htmlhttps://admin.p-yes.gov.ng/what-does-a-euro-equal-in-pounds.html0.85805 GBP Are you overpaying your bank? Conversion rates Euro / British Pound Sterling 1 EUR 0.85805 GBP 4 EUR 3.43220 GBP 5 EUR 4.29025 GBP 6 EUR 5.14830 GBP How many euros will 500 pounds buy? If you need to know how much is 500 pounds to a currency of any country in the world – use an online co...Wed, 17 Jun 2026 18:11:16 +0000https://admin.p-yes.gov.ng/do-banks-charge-for-paying-in-cheques.htmlhttps://admin.p-yes.gov.ng/do-banks-charge-for-paying-in-cheques.htmlMany banks in the UK allow you to pay in cash and cheques at Post Office branches for free. As they’ll need to send the cheque to your bank, it could take a little longer for it to be paid into your account. Why do banks charge for checks? A: Essentially, it’s expensive to buy checks from banks beca...Wed, 17 Jun 2026 17:54:01 +0000https://admin.p-yes.gov.ng/does-the-federal-reserve-create-monetary-policy.htmlhttps://admin.p-yes.gov.ng/does-the-federal-reserve-create-monetary-policy.htmlThe Fed, as the nation’s monetary policy authority, influences the availability and cost of money and credit to promote a healthy economy. Congress has given the Fed two coequal goals for monetary policy: first, maximum employment; and, second, stable prices, meaning low, stable inflation. What part...Wed, 17 Jun 2026 17:49:36 +0000https://admin.p-yes.gov.ng/what-is-crr-currently.htmlhttps://admin.p-yes.gov.ng/what-is-crr-currently.html4% Current CRR, SLR, Repo and Reverse Repo Rates: The current rates are (as in Feb 2020) – CRR is 4% , SLR is 18.25%, Repo Rate is 5.15% and Reverse Repo Rate is 4.9%. What is current RBI cash reserve ratio? 3.00 per cent The cash reserve ratio (CRR) of all banks was reduced by 100 basis points to 3...Wed, 17 Jun 2026 17:37:52 +0000https://admin.p-yes.gov.ng/how-do-i-contact-eastwest-bank-by-phone.htmlhttps://admin.p-yes.gov.ng/how-do-i-contact-eastwest-bank-by-phone.htmlFor feedback on how our Stores served you, you may send us a message by texting us through Viber at 0928-5590458….Contact Information. Telephone Customer Service Hotline (+632) 8888-1700 Domestic Toll Free 1-800-1888-8600 US Toll Free 1-866-828-6296 What bank is associated with East West Bank? EastW...Wed, 17 Jun 2026 17:32:45 +0000https://admin.p-yes.gov.ng/did-maryland-support-the-national-bank.htmlhttps://admin.p-yes.gov.ng/did-maryland-support-the-national-bank.htmlThe government of Maryland did not want a national bank and did not want a branch in Maryland. Nevertheless, the branch opened in 1817. The state of Maryland decided to tax the Baltimore branch of the Bank of the United States in an effort to run it out of business. What is the purpose of the nation...Wed, 17 Jun 2026 17:25:00 +0000https://admin.p-yes.gov.ng/what-do-you-call-someone-who-has-money-in-a-bank.htmlhttps://admin.p-yes.gov.ng/what-do-you-call-someone-who-has-money-in-a-bank.htmldepositor. noun. someone who pays money into a bank. What type of people work in banks? Types of banking jobs Bank teller. Banker. Loan processor. Mortgage consultant. Investment representative. Credit analyst. Investment banker. Relationship manager. Can I pay someone to manage my money? Can hiring...Wed, 17 Jun 2026 17:24:09 +0000https://admin.p-yes.gov.ng/who-is-bobby-womack-married-to.htmlhttps://admin.p-yes.gov.ng/who-is-bobby-womack-married-to.htmlBarbara Campbellm. 1965–1970 Bobby Womack/Spouse Just five years later, Barbara discovered that Womack had been having an affair with Linda. She loaded a pistol, told him to get out of the house and took a shot at him; it grazed his scalp. They divorced later in 1970. He later married Regina Banks; ...Wed, 17 Jun 2026 17:05:57 +0000https://admin.p-yes.gov.ng/what-mistake-did-the-author-make-while-writing-a-cheque.htmlhttps://admin.p-yes.gov.ng/what-mistake-did-the-author-make-while-writing-a-cheque.html6: What mistake did author make when he wrote the cheque? Ans: When author wrote the cheque he wrote the figure of 56 instead of 6. What mistakes did the narrator make and why? Answer: The bank manager is obviously annoyed because the narrator causes so much trouble about opening what is a very smal...Wed, 17 Jun 2026 17:05:30 +0000https://admin.p-yes.gov.ng/how-can-i-get-anti-money-laundering-certificate-in-malaysia.htmlhttps://admin.p-yes.gov.ng/how-can-i-get-anti-money-laundering-certificate-in-malaysia.htmlEntry Requirements Have at least 2 years of compliance-related working experience OR completed any recognised foundation level certification in AML/CFT with at least 1 year of related compliance working experience. Have relevant qualifications in the related area (optional but an added advantage) Mu...Wed, 17 Jun 2026 17:04:03 +0000https://admin.p-yes.gov.ng/what-is-a-ante-dated-check.htmlhttps://admin.p-yes.gov.ng/what-is-a-ante-dated-check.htmlFrom Longman Business Dictionary ˌante-dated ˈcheque British English, ante-dated check American English a cheque on which you write a date that is earlier than the actual date → cheque. Is ante-dated Cheque valid? A cheque bearing a date prior to the actual date of signing the cheque or opening of a...Wed, 17 Jun 2026 16:57:19 +0000https://admin.p-yes.gov.ng/how-many-days-it-will-take-for-a-cheque-to-clear.htmlhttps://admin.p-yes.gov.ng/how-many-days-it-will-take-for-a-cheque-to-clear.htmlThe time-frame for collection of cheques drawn on state capitals and major cities has been capped at seven days and ten days respectively. For all other locations, banks have to clear the cheque within 14 days. Can a cheque clear on a Saturday? If you pay a cheque in on a Saturday or after 3.30pm on...Wed, 17 Jun 2026 16:53:40 +0000https://admin.p-yes.gov.ng/how-much-is-a-1954-dollar-bill-worth.htmlhttps://admin.p-yes.gov.ng/how-much-is-a-1954-dollar-bill-worth.htmlShare: These $1 bills from 1954 are valued at $7,000 Some $1 bills out there could be valued at $7,000 if they’re from 1954. There is a rare series of bills from 1954 called the “Devil’s Face” note. What is my old paper money worth? Generally speaking, most modern-era Federal Reserve Notes (or paper...Wed, 17 Jun 2026 16:41:40 +0000https://admin.p-yes.gov.ng/can-i-open-a-norwegian-bank-account-online.htmlhttps://admin.p-yes.gov.ng/can-i-open-a-norwegian-bank-account-online.htmlOpening a Bank Account Online in Norway as a Non-Resident You can also open a bank account online. You will need a Bank ID which you can get by presenting your passport and D-Number / National Identity Number to your chosen bank. Once you are issued your Bank ID you will be able to open your account...Wed, 17 Jun 2026 16:32:31 +0000https://admin.p-yes.gov.ng/can-someone-fake-a-certified-check.htmlhttps://admin.p-yes.gov.ng/can-someone-fake-a-certified-check.htmlPlus, certified checks do not have the same watermarks that cashier’s check have, making them slightly easier to fake. Can a cashier’s check be fake? Unlike a personal check, a cashier’s check is a direct obligation of the bank. As a result, there is virtually no risk that a cashier’s check will bou...Wed, 17 Jun 2026 16:30:34 +0000https://admin.p-yes.gov.ng/why-did-my-check-get-declined.htmlhttps://admin.p-yes.gov.ng/why-did-my-check-get-declined.htmlWhy Telecheck denied your check could be due to mismanagement of a previous bank account like having unpaid checks or owing a bank account debt or you may have been declined because of high-risk factors, despite having sufficient funds. This may occur even if you have sufficient funds in your accoun...Wed, 17 Jun 2026 16:06:28 +0000https://admin.p-yes.gov.ng/is-branch-code-same-as-swift-code.htmlhttps://admin.p-yes.gov.ng/is-branch-code-same-as-swift-code.htmlA SWIFT code is a code used to identify the country, bank and branch that an account is registered to. A SWIFT code is sometimes called a BIC (Bank Identifier Code) – but they’re exactly the same thing. Is SWIFT code branch Code? SWIFT codes are a combination of various kinds of letters and are used...Wed, 17 Jun 2026 15:51:34 +0000https://admin.p-yes.gov.ng/how-do-you-tell-if-a-cashiers-check-is-real.htmlhttps://admin.p-yes.gov.ng/how-do-you-tell-if-a-cashiers-check-is-real.htmlThe payee’s name should already be printed on a cashier’s check (this is done at the bank by a teller). If the payee line is blank, the check is fake. A genuine cashier’s check always includes a phone number for the issuing bank. That number is often missing on a fake check or is fake itself. Is a b...Wed, 17 Jun 2026 15:43:30 +0000https://admin.p-yes.gov.ng/how-can-you-tell-when-a-note-was-printed.htmlhttps://admin.p-yes.gov.ng/how-can-you-tell-when-a-note-was-printed.htmlYou can also use the serial number to tell when the banknote was printed. Look at the first two digits on this $50 note. This one was printed in 2009. How do I know where my Federal Reserve note was printed? The face plate number is found on the face of the note and the back plate number is found on...Wed, 17 Jun 2026 15:40:08 +0000https://admin.p-yes.gov.ng/who-owns-the-central-bank-of-germany.htmlhttps://admin.p-yes.gov.ng/who-owns-the-central-bank-of-germany.htmlDeutsche Bundesbank Deutsche Bundesbank Logo of the Deutsche Bundesbank Headquarters Frankfurt, Hesse, Germany Ownership 100% state ownership President Jens Weidmann Central bank of Germany (1990–present) West Germany (1957–1990) What is the name of central bank of China? The People’s Bank of China ...Wed, 17 Jun 2026 15:32:48 +0000https://admin.p-yes.gov.ng/which-is-the-oldest-bank-of-india-which-is-still-in-existence.htmlhttps://admin.p-yes.gov.ng/which-is-the-oldest-bank-of-india-which-is-still-in-existence.htmlThe oldest commercial bank in India, SBI originated in 1806 as the Bank of Calcutta. Three years later the bank was issued a royal charter and renamed the Bank of Bengal. What is the oldest bank still in existence? Banca Monte Dei Paschi di Siena Banca Monte Dei Paschi di Siena is the oldest survivi...Wed, 17 Jun 2026 15:31:05 +0000https://admin.p-yes.gov.ng/is-hsbc-bank-good-in-india.htmlhttps://admin.p-yes.gov.ng/is-hsbc-bank-good-in-india.htmlAlthough most banks will have unequal quality when compared globally to their own counterparts, within India HSBC is probably the best bank. So HSBC just due to its good capabilities to provide right banking service scores. How do I cancel my HSBC credit card in India? How can I close my HSBC Credit...Wed, 17 Jun 2026 15:30:40 +0000https://admin.p-yes.gov.ng/who-is-the-director-of-axis-bank.htmlhttps://admin.p-yes.gov.ng/who-is-the-director-of-axis-bank.htmlAmitabh Chaudhry Amitabh Chaudhry, aged 56 years, is the Managing Director & Chief Executive Officer (MD & CEO) of Axis Bank Limited. How many directors are there in Axis Bank? You can view name of Chairman, CEO, CFO, Management Team, Board of Directors and Key Executives of Axis Bank Ltd….P...Wed, 17 Jun 2026 15:18:59 +0000https://admin.p-yes.gov.ng/does-hsbc-operate-in-nigeria.htmlhttps://admin.p-yes.gov.ng/does-hsbc-operate-in-nigeria.htmlOn Friday, the Central Bank Of Nigeria (CBN) announced in a report that global banking giants HSBC, a British multinational banking and financial services holding company, and UBS, a Swiss multinational investment bank and financial services company, have closed their representative offices in Niger...Wed, 17 Jun 2026 15:13:54 +0000https://admin.p-yes.gov.ng/what-is-german-banking-system.htmlhttps://admin.p-yes.gov.ng/what-is-german-banking-system.htmlGermany’s banking system comprises three pillars — private commercial banks, public-sector banks, and cooperative banks — distinguished by the legal form and ownership structure. The private-owned commercial banks represent the largest segment by assets, accounting for 40% of total assets in the ban...Wed, 17 Jun 2026 15:11:19 +0000https://admin.p-yes.gov.ng/is-ruben-amaro-sr-still-alive.htmlhttps://admin.p-yes.gov.ng/is-ruben-amaro-sr-still-alive.htmlDeceased (1936–2017) Rubén Amaro Sr./Living or Deceased Is Ruben Amaro married? Jami Schnellm. 2014 Rubén Amaro Jr./Spouse Is Ruben Amaro Jr a real person? (born February 12, 1965) is an American former professional baseball outfielder and General Manager (GM). Amaro played in Major League Baseball ...Wed, 17 Jun 2026 14:59:44 +0000https://admin.p-yes.gov.ng/what-is-the-new-name-of-yes-bank.htmlhttps://admin.p-yes.gov.ng/what-is-the-new-name-of-yes-bank.htmlRBI later reconstructed the board and named Prashant Kumar, former Chief financial officer of SBI, as new MD & CEO at Yes Bank. Yes Bank is an associate of State Bank of India which has a 30% stake in the company as of 28 July 2020….Yes Bank. Type Public Website Who is CEO of Yes Bank? Prashant...Wed, 17 Jun 2026 14:31:28 +0000https://admin.p-yes.gov.ng/what-is-bic-code-for-maybank.htmlhttps://admin.p-yes.gov.ng/what-is-bic-code-for-maybank.htmlMBBEMYKL A: The swift code for Maybank is MBBEMYKL. What is Malaysia BIC code? Malaysia Swift Codes and BIC Codes Bank N° City BCQ 7714 KUALA LUMPUR Code Swift / BIC : AL RAJHI BANKING AND INVESTMENT CORPORATION (MALAYSIA) BHD BCQ 7715 KUALA LUMPUR Where can I find my swift code Maybank? The SWIFT...Wed, 17 Jun 2026 14:24:09 +0000https://admin.p-yes.gov.ng/why-do-banks-charge-a-higher-interest-rate-to-lend-money-than-what-the.htmlhttps://admin.p-yes.gov.ng/why-do-banks-charge-a-higher-interest-rate-to-lend-money-than-what-the.htmlYou borrow money from banks when you take out a home mortgage. Banks charge borrowers a slightly higher interest rate than they pay depositors. The difference is their profit. Since banks compete with each other for both depositors and borrowers, interest rates remain within a narrow range of each o...Wed, 17 Jun 2026 14:16:48 +0000https://admin.p-yes.gov.ng/how-much-interest-does-5-million-make-a-year.htmlhttps://admin.p-yes.gov.ng/how-much-interest-does-5-million-make-a-year.htmlHow much will an investment of $5,000,000 be worth in the future? At the end of 20 years, your savings will have grown to $16,035,677. You will have earned in $11,035,677 in interest. What is the interest rate on 10 million pounds? On 10 million pounds you could earn as much as 1 million pounds a ye...Wed, 17 Jun 2026 14:09:04 +0000https://admin.p-yes.gov.ng/do-i-sign-the-back-of-a-check-before-deposit.htmlhttps://admin.p-yes.gov.ng/do-i-sign-the-back-of-a-check-before-deposit.htmlBlank Endorsement for a Check You do a blank endorsement by simply signing your name on the back of the check. Then, when you’re at the bank, you tell the teller if you want to cash it or deposit it. If you’re doing a blank endorsement, sign the check just before you deposit the check. Who puts thei...Wed, 17 Jun 2026 14:02:59 +0000https://admin.p-yes.gov.ng/what-is-an-example-of-a-secured-transaction.htmlhttps://admin.p-yes.gov.ng/what-is-an-example-of-a-secured-transaction.htmlA secured transaction is a transaction that is founded on a security agreement. The purchase of a car through financing is an example of a secured transaction. The car dealership or some other lender pays for the vehicle in return for a promise from the buyer to repay the loan with interest. What ar...Wed, 17 Jun 2026 13:56:55 +0000https://admin.p-yes.gov.ng/what-is-a-bank-account-opening-confirmation-letter.htmlhttps://admin.p-yes.gov.ng/what-is-a-bank-account-opening-confirmation-letter.htmlA bank confirmation letter (BCL) validates that a bank has a line of credit in place with one of its customers. Bank confirmation letters are typically issued to business customers vouching for their creditworthiness. How do I write a letter requesting bank confirmation details? How to Write It? &am...Wed, 17 Jun 2026 13:53:51 +0000https://admin.p-yes.gov.ng/is-icbc-the-largest-company-in-the-world.htmlhttps://admin.p-yes.gov.ng/is-icbc-the-largest-company-in-the-world.htmlSubsequently, ranked the largest bank in the world 2017 and 2018, by total assets, (31 December 2018, US$4027.44 billion), ICBC was positioned at 1st in The Banker’s Top 1000 World Banks ranking, every year from 2012 to 2019, and first (2019) on the Forbes Global 2000 list of the world’s biggest pub...Wed, 17 Jun 2026 13:28:23 +0000https://admin.p-yes.gov.ng/what-is-a-biometric-used-for.htmlhttps://admin.p-yes.gov.ng/what-is-a-biometric-used-for.htmlFor a quick biometrics definition: Biometrics are biological measurements — or physical characteristics — that can be used to identify individuals. For example, fingerprint mapping, facial recognition, and retina scans are all forms of biometric technology, but these are just the most recognized opt...Wed, 17 Jun 2026 13:25:42 +0000https://admin.p-yes.gov.ng/are-there-12-regional-federal-reserve-banks.htmlhttps://admin.p-yes.gov.ng/are-there-12-regional-federal-reserve-banks.htmlThe system is comprised of 12 regional reserve member banks, each of which focuses on its particular geographical zone, in coordination with the New York Fed. These are based in Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, Dallas, and Sa...Wed, 17 Jun 2026 13:25:25 +0000https://admin.p-yes.gov.ng/what-is-isco-operative-bank.htmlhttps://admin.p-yes.gov.ng/what-is-isco-operative-bank.htmlCo-operative banks are financial entities established on a co-operative basis and belonging to their members. This means that the customers of a co-operative bank are also its owners. These banks provide a wide range of regular banking and financial services. Is cooperative bank A govt bank? Co-oper...Wed, 17 Jun 2026 13:06:12 +0000https://admin.p-yes.gov.ng/what-was-the-interest-rate-in-1944.htmlhttps://admin.p-yes.gov.ng/what-was-the-interest-rate-in-1944.htmlMonthly Interest Rates, 1937-99 Month 1937 1944 January 3.000 1.875 February 3.000 1.875 March 3.000 1.875 April 3.000 1.875 What was the mortgage interest rate in 1940? Interest rates for 30-year fixed-rate home mortgages slipped Thursday to just under 4 percent for the first time since the 1940s. ...Wed, 17 Jun 2026 12:48:20 +0000https://admin.p-yes.gov.ng/what-might-happen-if-the-government-did-not-insure-bank-deposits-brain.htmlhttps://admin.p-yes.gov.ng/what-might-happen-if-the-government-did-not-insure-bank-deposits-brain.htmlWhat might happen if the government did not insure bank deposits? Banks would be robbed far more often. People would lose their savings if their banks went out of business. What happens when an FDIC-insured bank fails? When a bank fails, the FDIC must collect and sell the assets of the failed bank a...Wed, 17 Jun 2026 12:17:07 +0000https://admin.p-yes.gov.ng/who-was-the-inventor-of-the-first-atm.htmlhttps://admin.p-yes.gov.ng/who-was-the-inventor-of-the-first-atm.htmlThe first ATM was set up in June 1967 on a street in Enfield, London at a branch of Barclays bank. A British inventor named John Shepherd-Barron is credited with its invention. The machine allowed customers to withdraw a maximum of GBP10 at a time. In the U.S., the deployment of the ATM was pioneere...Wed, 17 Jun 2026 12:15:31 +0000https://admin.p-yes.gov.ng/what-are-the-5-sources-of-funds.htmlhttps://admin.p-yes.gov.ng/what-are-the-5-sources-of-funds.htmlFive sources of financing every small business needs to know Friends and family. Contacting your closest connections is a crucial investment move for small businesses. Government Funding. Bootstrapping. Credit Unions. Angel Investors and Venture Capitalists. What are the sources of funds? Here’s...Wed, 17 Jun 2026 12:09:07 +0000https://admin.p-yes.gov.ng/can-i-charge-a-returned-check-fee.htmlhttps://admin.p-yes.gov.ng/can-i-charge-a-returned-check-fee.htmlWhether you write or receive a bounced check — also called a nonsufficient funds, or NSF, check — it will cost you. Write one and you’ll owe your bank an NSF fee of between $27 and $35, and the recipient of the check is permitted to charge a returned-check fee of between $20 and $40 or a percentage ...Wed, 17 Jun 2026 12:08:14 +0000https://admin.p-yes.gov.ng/what-does-cash-reserve-ratio-indicate.htmlhttps://admin.p-yes.gov.ng/what-does-cash-reserve-ratio-indicate.htmlUnder cash reserve ratio (CRR), the commercial banks have to hold a certain minimum amount of deposit as reserves with the central bank. The percentage of cash required to be kept in reserves as against the bank’s total deposits, is called the Cash Reserve Ratio. And Banks don’t earn any interest on...Wed, 17 Jun 2026 11:50:46 +0000https://admin.p-yes.gov.ng/who-owns-5th-3rd-bank.htmlhttps://admin.p-yes.gov.ng/who-owns-5th-3rd-bank.htmlFifth Third Bancorp Fifth Third Bank (5/3 Bank) is a bank headquartered in Cincinnati, Ohio, at Fifth Third Center. It is the principal subsidiary of Fifth Third Bancorp, a diversified bank holding company….Fifth Third Bank. Fifth Third Bank corporate headquarters in Downtown Cincinnati Net income $...Wed, 17 Jun 2026 11:23:06 +0000https://admin.p-yes.gov.ng/what-are-the-advantages-of-regional-rural-banks.htmlhttps://admin.p-yes.gov.ng/what-are-the-advantages-of-regional-rural-banks.htmlCompared to commercial banks, jobs in RRBs are less stressful and have less work pressure due to limited work. The bank timings are mostly fixed, which ensures that you have a good amount of time to spend with your family. RRBs also provide great job security compared to private sector banks. What a...Wed, 17 Jun 2026 11:17:51 +0000https://admin.p-yes.gov.ng/how-does-a-bank-teller-use-a-computer.htmlhttps://admin.p-yes.gov.ng/how-does-a-bank-teller-use-a-computer.htmlComputer knowledge Bank tellers will often use computers to access customer accounts and to complete teller responsibilities like transferring, depositing and withdrawing cash. How does computer help in banking? In banks, computers are used for keeping account information of customer accounts. Banks...Wed, 17 Jun 2026 11:13:08 +0000https://admin.p-yes.gov.ng/what-are-the-limitation-of-traditional-payment-instruments.htmlhttps://admin.p-yes.gov.ng/what-are-the-limitation-of-traditional-payment-instruments.html5 critical limitations of traditional payment gateway services Not Bank Independent. Lack of Support. Lack of Flexibility. Built for the mass market, not individual customer needs. More Reactive Than Innovative. Final Thoughts. What are the limitations of online payment system? Disadvantages of...Wed, 17 Jun 2026 10:57:43 +0000https://admin.p-yes.gov.ng/how-do-you-reconcile-outstanding-deposits.htmlhttps://admin.p-yes.gov.ng/how-do-you-reconcile-outstanding-deposits.htmlUsually, you reconcile your bank statement with your books at the end of each month. Check that the balances of your books and your bank statement are equal. Sometimes, items are recorded on one financial record but not the other. When reconciling the bank statement Outstanding deposits are? An outs...Wed, 17 Jun 2026 10:50:51 +0000https://admin.p-yes.gov.ng/can-you-open-a-bank-account-in-another-state-without-being-there.htmlhttps://admin.p-yes.gov.ng/can-you-open-a-bank-account-in-another-state-without-being-there.htmlNo, a bank branch will not open an account for you in a different state. Can I get bank account without ID? Personal identification is an obstacle when you are among the 10 million people in the U.S. without a bank account and you want to open an account. You cannot open an account without ID; howev...Wed, 17 Jun 2026 10:49:25 +0000https://admin.p-yes.gov.ng/can-a-crossed-cheque-be-cashed.htmlhttps://admin.p-yes.gov.ng/can-a-crossed-cheque-be-cashed.htmlA crossed check is any check that is crossed with two parallel lines, either across the whole check or through the top left-hand corner of the check. Therefore, such checks cannot be immediately cashed by a bank or by any other credit institution. How do I cash a crossed cheque without a bank accoun...Wed, 17 Jun 2026 10:47:02 +0000https://admin.p-yes.gov.ng/how-do-i-write-a-letter-to-activate-my-atm-card.htmlhttps://admin.p-yes.gov.ng/how-do-i-write-a-letter-to-activate-my-atm-card.htmlRespected sir, I am holding a ___________ (type of debit card) debit card for my ________ (current/savings account) account having Card number ___________ (Debit Card Number) in your bank and I have been operating that card since ____________ (Year). I request you to kindly activate my debit card no...Wed, 17 Jun 2026 10:19:02 +0000https://admin.p-yes.gov.ng/what-is-accounts-and-its-types.htmlhttps://admin.p-yes.gov.ng/what-is-accounts-and-its-types.htmlAccording to the double entry system of bookkeeping, there are three types of accounts that help you to maintain an error-free record of your journal entries. Each account type has a rule to identify its debit and credit aspect called as the Golden Rule of Accounting. Personal Accounts. Real Account...Wed, 17 Jun 2026 10:04:35 +0000https://admin.p-yes.gov.ng/how-do-i-withdraw-money-from-my-automatic-teller-machine.htmlhttps://admin.p-yes.gov.ng/how-do-i-withdraw-money-from-my-automatic-teller-machine.htmlHow to withdraw money from an ATM? Step 1: Insert ATM Card: Step 2: Select Language. Step 3: Enter 4-Digit ATM Pin: Step 4: Select the type of Transaction: Step 5: Select the Type of Account: Step 6: Enter the withdrawal amount. Step 7: Collect the Cash: Step 8: Take a printed receipt , if ne...Wed, 17 Jun 2026 10:03:42 +0000https://admin.p-yes.gov.ng/how-do-i-find-my-bank-account-details.htmlhttps://admin.p-yes.gov.ng/how-do-i-find-my-bank-account-details.htmlNavigate to your bank’s website on a computer or open up their mobile app on your phone or tablet. Sign in and click on the tab to view a summary of your account. Usually, the account number will be listed on this page. If it’s not, search through the website or use the “Help” function to find it. H...Wed, 17 Jun 2026 10:03:06 +0000https://admin.p-yes.gov.ng/what-bank-does-not-charge-international-fees.htmlhttps://admin.p-yes.gov.ng/what-bank-does-not-charge-international-fees.htmlIf you’re looking to open a checking account purely for international ATM purposes, then a Capital One 360 or Schwab Bank account makes the most sense with no monthly fees or minimum account balance requirements. Which banks offer free cash withdrawals abroad? Starling Bank is the only bank that off...Wed, 17 Jun 2026 09:59:46 +0000https://admin.p-yes.gov.ng/how-do-you-round-to-the-nearest-cent.htmlhttps://admin.p-yes.gov.ng/how-do-you-round-to-the-nearest-cent.htmlRounding to the nearest cent Look at the number to the right of the full cents, if the number is five or more, increase the cents by 1. If the number is four or less, keep the cents the same. What is meant by nearest cent? Explanation: The nearest cent would be a whole number – so you end up with no...Wed, 17 Jun 2026 09:52:32 +0000https://admin.p-yes.gov.ng/who-is-the-head-of-asian-development-bank.htmlhttps://admin.p-yes.gov.ng/who-is-the-head-of-asian-development-bank.htmlPresident Masatsugu Asakawa The Asian Development Bank (ADB) has appointed Woochong Um as its Managing Director General. He will assume office immediately and report to ADB President Masatsugu Asakawa. How many countries are in Asian Development Bank? From 31 members at its establishment in 1966, AD...Wed, 17 Jun 2026 09:50:02 +0000https://admin.p-yes.gov.ng/does-lloyd-banks-have-a-platinum-album.htmlhttps://admin.p-yes.gov.ng/does-lloyd-banks-have-a-platinum-album.htmlSolo career and The Hunger for More (2004–2005) Banks explained the reasoning behind the album’s title: When I say The Hunger for More, it could be referring to more success. The album has since sold over 1.5 million copies and has been certified platinum by the RIAA. How much is Lloyd Banks worth n...Wed, 17 Jun 2026 09:46:27 +0000https://admin.p-yes.gov.ng/who-does-the-world-bank-help.htmlhttps://admin.p-yes.gov.ng/who-does-the-world-bank-help.htmlThe World Bank is an international organization that offers developmental assistance to middle-income and low-income countries. Founded in 1944, the World Back has 189 member nations and aims to reduce poverty in the developing world. How many countries does the World Bank support? 189 member countr...Wed, 17 Jun 2026 09:29:53 +0000https://admin.p-yes.gov.ng/what-are-the-best-banks-in-romania.htmlhttps://admin.p-yes.gov.ng/what-are-the-best-banks-in-romania.htmlThe leading bank in Romania in 2020 was Banca Transilvania, with financial assets worth over 103 billion Romanian lei. It was followed by Banca Comercială Română and BRD-SOCGEN, both with revenues above 60 billion Romanian lei. Who owns the National bank of Greece? Hellenic Financial Stability Fund ...Wed, 17 Jun 2026 09:24:06 +0000https://admin.p-yes.gov.ng/why-do-checks-become-stale.htmlhttps://admin.p-yes.gov.ng/why-do-checks-become-stale.htmlPut the Date On the other hand, if the date is older than ​six months​, some banks consider it stale-dated and will not cash it. The reasoning behind it is that the checking account may not still have the funds available for that check, and the check has a higher chance of bouncing. What is a stale ...Wed, 17 Jun 2026 09:09:00 +0000https://admin.p-yes.gov.ng/how-many-digits-are-in-a-us-bank-account.htmlhttps://admin.p-yes.gov.ng/how-many-digits-are-in-a-us-bank-account.html10-12 digits Your account number (usually 10-12 digits) is specific to your personal account. It’s the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number. Do all bank accounts have 10 digits? Usually, an account number will be 10-12 digits long, ...Wed, 17 Jun 2026 08:37:57 +0000https://admin.p-yes.gov.ng/which-bank-first-time-introduced-atm-facility-in-india.htmlhttps://admin.p-yes.gov.ng/which-bank-first-time-introduced-atm-facility-in-india.htmlHSBC The first ATM in India was set up in 1987 by HSBC in Mumbai. In the following twelve years, about 1500 ATMs were set up in India. When was ATM introduced? The decades that followed the introduction of the ATM transformed this new form of banking. In the U.S., Dallas-based engineer Donald Wetzel...Wed, 17 Jun 2026 08:13:31 +0000https://admin.p-yes.gov.ng/which-banks-operate-on-sundays.htmlhttps://admin.p-yes.gov.ng/which-banks-operate-on-sundays.htmlBanks Open on Sunday Bank Sunday hours (applicable branches) PNC Bank 9 AM to 3 PM (Supermarket locations and some Pittsburgh branches) Sterling National Bank 9 AM to 2 PM (Some locations) TD Bank 11 AM to 3 PM Valley Bank Ranges from 10 AM to 3 PM (Some locations) Why do banks close on a Sunday? On...Wed, 17 Jun 2026 08:04:30 +0000https://admin.p-yes.gov.ng/how-much-is-the-fee-for-money-transfer.htmlhttps://admin.p-yes.gov.ng/how-much-is-the-fee-for-money-transfer.htmlWire transfers send money nearly instantly to another person’s account. Wire transfer fees are generally between $25 and $30 for outgoing transfers to a bank account within the US, and between $45 and $50 for transfers going out of the US. There can also be fees to receive the money, generally aroun...Wed, 17 Jun 2026 08:04:09 +0000https://admin.p-yes.gov.ng/what-hsbc-branch-is-40-11-00.htmlhttps://admin.p-yes.gov.ng/what-hsbc-branch-is-40-11-00.htmlThe Sort code, which is a six-digit number, is usually formatted as three pairs of numbers 40-11-00….Sort Code 401100 – Hsbc Bank Plc. Sort Code 40-11-00 Details Bank Name Hsbc Bank Plc Bank Branch National Sort Code 10 Address Banking Operations Coventry, Harry Weston Road, Binley, Coventry, CV3, 2...Wed, 17 Jun 2026 07:58:13 +0000https://admin.p-yes.gov.ng/how-does-computer-impact-our-daily-lives-in-banking.htmlhttps://admin.p-yes.gov.ng/how-does-computer-impact-our-daily-lives-in-banking.htmlBanking – Banks are using computers daily for faster and accurate customer demands. Banks are using computers for many reasons from depositing customer money in their account to calculations. We can see and print our transaction records without visiting banks through these machines. What is new tech...Wed, 17 Jun 2026 07:54:55 +0000https://admin.p-yes.gov.ng/can-money-be-sent-from-iran-to-nigeria.htmlhttps://admin.p-yes.gov.ng/can-money-be-sent-from-iran-to-nigeria.htmlIran is one of the countries who have introduced this type of service to citizens. With this sites, you can now wire money from Iran to Nigeria which allows such transactions. This is an appealing option over sending money via mail or through inter-bank deposit as both may incur various fees and off...Wed, 17 Jun 2026 07:43:28 +0000https://admin.p-yes.gov.ng/can-collection-agencies-touch-your-bank-account.htmlhttps://admin.p-yes.gov.ng/can-collection-agencies-touch-your-bank-account.htmlCreditors cannot just take money in your bank account. Even if your account is levied, you’re usually protected by law from having certain federal benefits seized to satisfy most types of debt. Protected benefits can include aid from FEMA, Social Security income, and veterans’ benefits. Can collecti...Wed, 17 Jun 2026 07:42:30 +0000https://admin.p-yes.gov.ng/which-bank-has-highest-branches-in-usa.htmlhttps://admin.p-yes.gov.ng/which-bank-has-highest-branches-in-usa.htmlWells Fargo Wells Fargo was founded in 1852. Although the bank has focused on consolidating and eliminating branches, it still has the most branches of any bank in the country. How many commercial banks are in USA? In 2019, there were 4,519 FDIC-insured commercial banks in the United States. The FDI...Wed, 17 Jun 2026 07:30:15 +0000https://admin.p-yes.gov.ng/what-is-a-loan-category.htmlhttps://admin.p-yes.gov.ng/what-is-a-loan-category.htmlLoan Category means each group of Loans of a common type (e.g., consumer-purpose, business-purpose, or Line of Credit), and with a common credit grade and loan term (as set forth in the Credit Policy). What are the 3 classification of loans? A loan is a sum of money that an individual or company bor...Wed, 17 Jun 2026 07:24:31 +0000https://admin.p-yes.gov.ng/how-much-is-the-commission-for-western-union.htmlhttps://admin.p-yes.gov.ng/how-much-is-the-commission-for-western-union.htmlTo make a profit, Western Union will charge up to 6% on top of your transaction. How much can you make as a Western Union agent? Western Union Salary FAQs The average salary for a Sales Agent – Financial Services is $49,151 per year in United States, which is 39% lower than the average Western Union...Wed, 17 Jun 2026 07:20:29 +0000https://admin.p-yes.gov.ng/can-money-orders-be-tracked.htmlhttps://admin.p-yes.gov.ng/can-money-orders-be-tracked.htmlA bank or credit union will normally charge more than a convenience store to issue money orders. A money order is not a check, and it’s harder to trace one; keep your receipt until you are sure the order has been received and cashed. Without a receipt, tracing a money order can be difficult or even ...Wed, 17 Jun 2026 07:17:30 +0000https://admin.p-yes.gov.ng/will-a-bank-take-half-a-bill.htmlhttps://admin.p-yes.gov.ng/will-a-bank-take-half-a-bill.htmlBanks can exchange some mangled money for customers. Typically, badly soiled, dirty, defaced, disintegrated and torn bills can be exchanged through your local bank if more than half of the original note remains. These notes would be exchanged through your bank and processed by the Federal Reserve Ba...Wed, 17 Jun 2026 07:13:28 +0000https://admin.p-yes.gov.ng/how-do-you-write-a-cheque-in-rupees-and-paise.htmlhttps://admin.p-yes.gov.ng/how-do-you-write-a-cheque-in-rupees-and-paise.htmlIf you wish to write a cheque of some X rupees and Y paise (cheque of decimal value as you quoted), it is mandatory to write the amount in words too. You should write this cheque as “Rupees One Hundred and Paise Fifty Seven Only”. How do I write a cheque amount with Paisa? Rupees is always written w...Wed, 17 Jun 2026 07:13:17 +0000https://admin.p-yes.gov.ng/what-is-core-banking-and-its-features.htmlhttps://admin.p-yes.gov.ng/what-is-core-banking-and-its-features.htmlCore banking is account management back end and front end processes. It is a centralized system or a network made by a bank and its branches. It allows the customers to access their bank accounts to manage and perform basic transactions from any branch of the bank where they hold an account. What co...Wed, 17 Jun 2026 07:09:21 +0000https://admin.p-yes.gov.ng/who-are-the-major-shareholders-of-barclays.htmlhttps://admin.p-yes.gov.ng/who-are-the-major-shareholders-of-barclays.htmlBarclays PLC is a holding company… Who is Barclays Bank owned by? Barclays plc (/ˈbɑːrkliz, -leɪz/) is a British multinational universal bank, headquartered in London, England, UK. Barclays operates as two divisions, Barclays UK and Barclays International, supported by a service company, Barclays Ex...Wed, 17 Jun 2026 07:07:47 +0000https://admin.p-yes.gov.ng/how-do-you-stop-check-tampering.htmlhttps://admin.p-yes.gov.ng/how-do-you-stop-check-tampering.htmlHow should blank checks be protected? Maintain checks under lock and key. Limit access to those employees with check preparation duties. Seal boxes of blank checks with security tape. Periodically check the security of unused checks. Promptly destroy voided checks. What do you do if someone changes ...Wed, 17 Jun 2026 07:05:32 +0000https://admin.p-yes.gov.ng/why-did-you-choose-our-bank-answer.htmlhttps://admin.p-yes.gov.ng/why-did-you-choose-our-bank-answer.htmlPoint out the great reputation of their bank, their values, excellent product portfolio, or anything else. You can also say that you are their client–it typically helps. Pre-interview research will help you to identify the things you can compliment in the interview. What attracts you to career in ba...Wed, 17 Jun 2026 06:59:36 +0000https://admin.p-yes.gov.ng/how-is-executive-compensation-regulated.htmlhttps://admin.p-yes.gov.ng/how-is-executive-compensation-regulated.htmlFederal regulation of executive compensation is carried out by a combination of federal agencies, including the Internal Revenue Service and the Securities & Exchange Commission through two primary methods – taxation and disclosure. How can executive compensation be improved? When structuring yo...Wed, 17 Jun 2026 06:54:47 +0000https://admin.p-yes.gov.ng/what-are-the-two-parts-of-a-medicare-medical-savings-account.htmlhttps://admin.p-yes.gov.ng/what-are-the-two-parts-of-a-medicare-medical-savings-account.htmlMedicare MSA Plans have 2 parts High-deductible health plan: The first part is a special type of high-deductible. Medicare Advantage Plan (Part C) Medical Savings Account (MSA): The second part is a special type of savings account. The Medicare MSA Plan deposits money into your account. What does m...Wed, 17 Jun 2026 06:40:15 +0000