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Why and how are FIs are regulated in Pakistan? In view of your answer please analyze how financial institutions and their regulations failed in perspective

Why and how are FIs are regulated in Pakistan? In view of your answer please analyze how financial institutions and their regulations failed in perspective of this article:

https://fp.brecorder.com/2017/09/20170908215829/

https://www.thenews.com.pk/latest/228386-New-York-regulator-fines-Pakistans-Habib-Bank-225-million

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