Please study the full document along with the working modules which can be downloaded from the website given below.
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http://vijayavarma.com/wp-content/uploads/2014/08/Main-Savings-Account-VARMA.xlsx
http://vijayavarma.com/wp-content/uploads/2014/08/Functional-program-for-money-changes-in-banking-system.xlsx
http://vijayavarma.com/wp-content/uploads/2014/08/Bank-account-module-VARMA.xlsx
http://vijayavarma.com/wp-content/uploads/2014/08/Money-supply-Module-VARMA.xlsx
Article Banking Expanded to the Ultimate Level