Professional Documents
Culture Documents
The Management Committee in its 365th meeting held on 8th September 2015
approved the Compliance & Control Program for its implementation.
This document is for internal use of National Bank of Pakistan employees only. Any
act of divulgence to third parties shall be viewed seriously and warrant disciplinary
action.
Page 2 of 54
Contents
Items
Page
Number
1. Introduction
Compliance Function
Objective
Core Functions
Core Functions
11
14
16
17
18
19
26
29
37
46
Page 3 of 54
Home
Introduction:
Compliance is rapidly evolving as a tool for good corporate governance. The regulator has made it
mandatory for the banks to have an independent and effective compliance setup for ensuring strict
observance of all statutory provisions contained in various regulatory guidelines issued from time to
time and also bank's internal policies and fair practices code, which typically include specific areas
such as know your customer, the prevention of money laundering and terrorist financing.
A separate Compliance Set-up was introduced in the Bank vide President Office Circular No.
16/2001 dated 21st June 2001 as a part of Operations Group. Subsequently, Compliance Set-up was
separated from Operations Group and an independent Compliance Group was created vide
President Office Circular No. 05/2004 dated 22nd March, 2004. During this period, different roles,
job & scope of Compliance were defined, which sometimes created ambiguity in understanding the
actual role of the Compliance Group. The actual role of Compliance Group, as per international best
practices & SBP guidelines, is to ensure that bank is compliant with all the policies of regulators
and internal SOPs
The Board Audit Committee (BAC) in its 166th meeting held on 8th August 2014 directed that the
Internal Control Unit reporting at that time to Operations Group requires to be revisited for
enhancing its scope and should be merged with Compliance Group for synergy. In compliance of
the directives of BAC, the Internal Control Wing has been established in Compliance Group and
hence the Compliance Review Program (CRP) is being amended / updated to enhance the control
activities.
The function of Compliance Group is to identify the discrepancies, elevate and escalate them to the
concerned authorities and push them for their early and timely rectifications. The rectification of
discrepancy is a function of respective Group who committed the discrepancy, whether at Branch
Level, Regional Office Level or at Head Office Level. The compliance role / function has been
discussed at length in the 350th (A) Management Committee Meeting held on 21st April 2015 and
the worthy President defined the role of Compliance Group that:
The President said that the function of Compliance Group is not to rectify the errors of
field functionaries but to get the errors rectified by field staff. Their job is to identify the
discrepancies, elevate & escalate them to the concerned authorities and push them for their
early & timely rectifications. He said that if a circular or procedures having ambiguities
were issued in the past, the same may be reviewed and corrected so that ownership of those
activities and role is taken by respective groups in order to perform their responsibilities as
per their TORs/job responsibilities. He stated that no matter, whose job was prior to now,
but now clear demarcation should be made so that this matter is resolved without any
further delay.
The Banks Board of Directors in its 245th meeting held on 13.05.2015 also directed the compliance
role as quoted below:
Page 4 of 54
Compliance Function:
Compliance function is defined as an independent function that identifies, assesses, advises,
monitors and reports on the banks compliance risk, that is, the risk of legal or regulatory sanctions,
financial loss, or loss to reputation a bank may suffer as a result of its failure to comply with all the
applicable laws, regulations, codes of conduct and standards of best practices.
The function of Compliance Group is to identify the discrepancies, elevate and escalate them to the
concerned authorities and push them for their early and timely rectifications. The rectification of
discrepancy is a function of respective Group who committed the discrepancy, whether at Branch
Level, Regional Office Level or at Head Office Level.
Compliance function existed in the bank from the day it came into being. All unit heads were
responsible for compliance function in their areas of jurisdiction. Internal Audit function as an
independent entity within the bank was responsible for identifying, assessing, advising, monitoring
and reporting of irregularities and exceptions through various types of audit activities.
Presently, the Compliance Set-up has been established in all the layers of the Bank i.e.:
1.
2.
3.
4.
Head Office
Regional Offices
Cluster Area Branches
Other branches of Clusters
Purpose:
The Compliance & Control Program shall provide the understanding about the work flow of various
functions of the Compliance Group. The key principle underlying the design efficacy of policies
and procedures of a control objective is the principle of segregation of duties. It would hence be
essential for each Group to demonstrate adequate segregation of duties in terms of design and
operation to strengthen the internal controls. In addition, the internal audit shall in its periodical
review of processes ensure that no material areas which may compromise the effective applicability
of this principle is overlooked, whether this pertain to IT or functional controls.
Page 5 of 54
Objective:
The role of compliance function is to develop and promote the compliance culture in the bank.
Their job objective is to identify the discrepancies, elevate & escalate them to the concerned
authorities and push them for the early rectifications of the reported lapses/ discrepancies/
irregularities. At Head Office Level, the reported exceptions shall be taken up with the concerned
Groups for rectifications. At Regional Office Level, the exceptions shall be reported to the
concerned Regional Head for the earliest rectification.
A checklist has been designed containing the areas & items to be reviewed by the compliance
functionaries after a specified period as given therein. The given frequency of review of every item
is for the Area Compliance & Control Managers (ACCM), to be posted in Area Cluster Branches.
The Area Compliance & Control Inspectors (ACCI) shall visit the other branches of the cluster on
bimonthly basis (Once in two months). However, as soon as the required number of staff members
are posted in the Compliance Group having adequate experience, knowledge & skills, the frequency
of visits of ACCI shall be changed from bimonthly to monthly basis or fortnightly.
Promulgation:
The Compliance & Control Program (CCP) shall be promulgated after approval from the Banks
Management Committee. On approval & promulgation of the CCP, all the previously defined role,
functions & job descriptions of the Compliance Group and the Compliance Functionaries shall
stand withdrawn.
Updation:
The review and updation of the Compliance & Control Checklist this program shall be an ongoing
process to ensure continuous alignment between the regulatory framework and the bank-wide
strategy and the internal & external dynamics in which the bank operates.
The Compliance Group shall formally initiate any modifications to the Compliance & Control
Program keeping in view the developments, changes and trends in the compliance environment
whether required by law, regulator or the banks Senior Management/BoD. This program, in its
entirety, shall be reviewed on a periodic basis at least once in three years and updated. However,
updation of the checklist shall be a regular feature and an ongoing process. Upon issuance of any
new directive of the regulator or instruction from the banks management, the same shall be
incorporated in the checklist.
Page 6 of 54
Annexure-II
Group Chief
Divisional Head
Regulatory
Compliance Wing
International
Compliance Wing
Internal Control
Review Wing
Compliance
Monitoring Wing
SBP Inspection
Coordination Wing
Islamic Banking
Compliance Wing
Administration Wing
Compliance
Support staff
SAEED HABIB
SVP & DIVISIONAL HEAD
Page 7 of 54
Core Functions
Head Office Compliance Set-up has the following core functions:
1. Establishment and maintenance of compliance network in the bank by ensuring that:
a. Compliance function has a formal status within the bank with appropriate
standing, authority and independence.
b. Compliance staff has access to relevant and necessary documents, information
and personnel to carry out their responsibilities.
c. Compliance staff expresses and discloses its findings to Branch/Regional/ Head
Office Management without any fear.
d. Compliance staff is not placed in a position where there is a possible conflict of
interest between their compliance responsibilities and any other responsibilities
that may impair their independence and judgment.
e. compliance function assists the Senior Management in managing effectively the
Compliance risk faced by the bank
2. Compliance with relevant laws, regulations and banks policies with special emphasis on
KYC and Anti Money Laundering (AML).
3. To keep liaison with SBP Inspection Team in their Inspection and follow up with Groups at
Head Office for rectification of Irregularities and submission of Compliance Status Report
to the SBP.
4. Reporting of Suspicious / Currency Transactions to Financial Monitoring Unit.
5. Submission of Fraud & Forgery cases received from Regions to SBP and its escalation to
appropriate level.
6. Processing of Exception Reports Prompt and Monthly received from Regional Offices and
its reporting to the President and Group Chiefs as per Criteria of Reporting enabling them to
rectify the same.
7. Follow up with Groups at Head Office for rectification of the irregularities and closure of
diarized audit findings.
8. Processing of Internal Control Memorandum submitted by External Auditors. Follow up
with Head Office Groups for implementation of External Auditors observations reported in
Internal Control Memorandum (ICM) and presentation of Status Report to the Management
Committee.
9. Review of Head Office Revenue & Capital Expenditure at Financial Control Division.
10. Processing of Institutional Risk Assessment Framework Questionnaire in coordination with
Groups at Head Office and its submission to SBP on half yearly basis.
11. Vetting of Instruction Circulars and Policies developed by various Groups of the Bank.
12. Approval for opening of High Risk Accounts as per procedure.
Page 8 of 54
Core Functions:
1. Establishment and maintenance of compliance network in the region by ensuring that:
a. Compliance function has a formal status within the region with appropriate
standing, authority and independence.
b. Compliance staff has access to relevant and necessary documents, information
and personnel to carry out their responsibilities.
c. Compliance staff expresses and discloses its findings to Branch Management,
Regional Management, Regional Compliance & Control Head and Group Chief
Compliance at Head Office without any fear.
d. Compliance staff is not placed in a position where there is a possible conflict of
interest between their compliance responsibilities and any other responsibilities
that may impair their independence and judgment.
e. Compliance function is to assist the Branch/Regional Management in managing
the Compliance risk effectively.
Page 9 of 54
Page 10 of 54
Items of Review
Frequency
Review Function
1. Approval within delegated Business
Discretionary Powers as per Documents of
Empowerment.
2. Completion of Review Sheet for all finances
sanctioned / confirmed at Regional Office.
3. If there is violation of Business
Discretionary Powers, Prompt Exception
will be reported.
4. All other exceptions which are not prompt in
nature will become part of Monthly
Exception Report.
1. Expenses at Regional Office are approved
within financial powers as per Document of
Empowerment.
2. All relevant documents have been attached
with the Voucher.
3. With holding tax has been deducted as per
prevailing law. Sales tax Invoice has been
obtained (where applicable)
In case of exception/ violation, the RCCH will
report Prompt exception. All exceptions which
are not prompt in nature will become part of
Monthly Exception Report.
1. All Expenses for Purchase of Assets have
been approved as per document of
empowerment.
2. All relevant documents have been attached
with the Voucher.
3. Assets purchased for below Rs. 10,000 are
not charged to Asset Account (debited to
Charges Account) as per Instruction Circular
No. 89/2004 dated August 10, 2004.
4. General Sales Tax has been deducted
correctly and deposited in Govt. Account as
per Instruction Circular No. 126/2008 dated
24th October, 2008.
5. Withholding Tax has been deducted on
Gross Amount as per Income Tax Ordinance
In case of violation, the RCCH will send to
Compliance Group, Head Office as Prompt
1.
Sanctioning of
Fresh Finances/
Renewals
Daily
2.
Review of Expense
Vouchers (Running
Expenditure)
Daily
3.
Voucher
for
Purchase of Assets
(Capital
Expenditure)
Daily
Page 11 of 54
Items of Review
Frequency
Review Function
Exception. All exceptions which are not prompt
in nature will become part of Monthly Exception
Report.
1. Complaint Register is properly maintained.
2. Customer complaint is handled promptly.
4.
Processing of
Customer
Complaints
Monthly
5.
Consolidation of
Information
Monthly
6.
Review of SWIFT
Centre
Quarterly
Items of Review
Frequency
Review Function
15 days for all the three authorized persons
i.e. staff responsible for (i) input of message
(ii) verification of message and (iii) release
of message.
6. Physical or electronic lock is mounted on
the doors of server room to restrict the
access to authorized personnel only.
7. Logs to keep record of entry /exit to server
room are maintained.
8. Server room is equipped with smoke
detectors and fire alarms.
9. Training is imparted to staff and their back
up is prepared.
7.
Staff Rotation
Quarterly
8.
Quarterly
9.
Privilege Leaves
Annually
Review Sheet
Name of Branch
Loan Type
Loan
Amount
Sanctioning
Authority
1.
2.
3.
4.
Page 13 of 54
Business
Discretionary
Powers of
Sanctioning
Authority
Exceptions
If any
Page 14 of 54
Annexure
P-1
Mishap
2.
Leakage of Income
P-2
3.
P-3
4.
P-4
5.
P-5
6.
Shortage of Cash
P-6
7.
P-7
8.
P-8
P-10
9.
(Please note that under the column of Annexure, P stands for Prompt)
Page 15 of 54
P-9
Page 16 of 54
Page 18 of 54
Items of Review
Review Function
Frequency
Account Opening
1
2
3
Review Sheet
Daily
Review Sheet
Daily
Review Sheet
Daily
Suspense/Advance Mobilization
Account:
Collection Accounts
Daily
Daily
Daily
Daily
Monthly
Monthly
10
and
Page 19 of 54
Quarterly
Daily
11
Monthly
12
13
14
15
Dormant/Inoperative Account
Page 20 of 54
Daily
Daily
Monthly
Monthly
Deduction of Zakat
Quarterly
17
Un-delivered Statement of
Accounts
18
19
20
Expiry of CNIC
Half Yearly
Half Yearly
Monthly
Monthly
Remittances
Acknowledgement from customer is taken at the
time of issuance of all instruments (On random
basis).
21
Daily
22
Daily
23
Page 21 of 54
Daily
24
Daily
Daily
Daily
28
Non-Financial Report
29
Daily
Daily
Daily
30
Daily
31
Daily
32
Daily
Pension Payments
33
Pension Payment
Page 22 of 54
Monthly
34
Monthly
Monthly
Lockers
Quarterly
37
Staff Matters
38
39
Security Measures
Quarterly
Quarterly
Service standards
Banking Mohtasib complaint form displayed for
customers.
List of unclaimed deposits placed
Notice indicating acceptances of soiled notes
Internal complaint handling procedure.
Page 23 of 54
Monthly
41
ATM Operations
42
43
Physical
Count
Stationery
44
of
Security
Daily
Daily
Monthly
Quarterly
Letter of Credit (Import & Export) /Letter of Guarantee (Inland & Foreign):
45
Establishment/Amendment
Import LC
46
of
Review Sheet
Monthly
Review Sheet
Monthly
47
Issuance
Foreign)
Review Sheet
Monthly
48
49
Monthly
Monthly
50
Expired Guarantees
Review Sheet
Review Sheet
Branch is following up the matter with
beneficiaries for calling back of the expired
Guarantees.
Check that securities against expired LGs are
intact.
of
Guarantee
(Local/
Page 24 of 54
Quarterly
51
Monthly
Quarterly
53
Monthly
54
Reporting of
loans in SCA
Quarterly
all
non-performing
The Area Compliance & Control Manager/Inspector may check/inspect any item of review more
frequently than prescribed in the frequency as per his choice.
Page 25 of 54
Page 26 of 54
II
Region
Branch Team
Date of Present
Assignment
Name
Branch Manager
Operations Manager
Conducted
On (Date)
No. of
Irregularities
Pointed out
No. of
Irregularities
Rectified
No. of
outstanding
Irregularities
Date
Clearance
Certificate
Accepted
*Reasons
for nonrectification
SBP Inspection
Annual Audit
(Significant Findings)
Snap Audit
IS Audit
Credit Risk Review
(CRR)
Regional Inspection
The branch has been reviewed as per check list, which is attached duly filled from the period from
_________________ to ________________ and the pointed out exceptions have been discussed
with the branch management for on spot rectification. The Branch Manager / Operations Manager
has also signed the checklist, copy of which has also been handed over to him / them for
rectification of outstanding exceptions within seven (7) days.
Name:_______________________
Designation:___________________
Page 27 of 54
The exceptions pointed out have been discussed by the ACCM / ACCI for on spot rectification
thereof. However, the following exceptions could not be rectified due to the brief reason(s) given
against each. However, we will make utmost efforts to rectify these outstanding exceptions within
seven (7) days and will take measures for non-repetition in future.
Sr #
Items of Review
No. of
Brief Reason(s) for non-rectification on spot
Instances
Branch Manager:____________
Operations Manager:____________
Name:____________________
Name:__________________
Garde:_____________________
Grade:__________________
Page 28 of 54
Annexures
(Prompt Exceptions)
Page 29 of 54
2.
Regional Office
3.
Category of Branch
4.
Nature of Incident
5.
Date of Incident
6.
7.
8.
Amount Involved
9.
Recovery if any
Page 30 of 54
2.
Category of Branch
3.
4.
Amount involved
5.
6.
7.
8.
9.
2.
Regional Office
3.
Category of Branch
4.
Date of Report
5.
6.
7.
8.
Details of
Violation
Head of
Account
Amount
Sanctioned
Steps taken/ to be
taken
Regional Head
Comments
Page 31 of 54
Financial
Power
Over and
Above
Financial
Power
2.
Regional Office
3.
Category of Branch
4.
Type of facility
5.
Date of Sanction
6.
Amount Sanctioned
7.
Date of Disbursement
8.
Present Outstanding
9.
Page 32 of 54
2.
Regional Office
3.
Category of Branch
4.
Name of Borrower
5.
6.
Type of Facility
7.
Limit of Finance
8.
Date of sanction
9.
Date of Expiry
10.
11.
Mark-up outstanding
12.
Total Liabilities
13.
14.
15.
Nature of Stock
16.
17.
18.
19.
20.
21.
22.
23.
Page 33 of 54
Shortage of Cash:
1.
2.
Category of Branch
3.
4.
5.
6.
7.
Annexure P-7
2.
Category of Branch
3.
Regional Office
4.
Name of Borrower
5.
Nature of Finance
6.
Limit of Finance
7.
Date of Sanction
8.
Date of Availment
9.
Date of Expiry
2.
Category of Branch
3.
Regional Office
4.
Title of Account
5.
6.
7.
Difference
8.
9.
10.
11.
(4 5)
Annexure P-9
Disbursed/Renewed Finances without issuance of DAC
1.
2.
Regional Office
3.
Category of Branch
4.
Name of Borrower
5.
Nature of Finance(s)
6.
Limit(s) Sanctioned
7.
8.
# & date
Date
of Disbursement
9.
Amount Disbursed
Page 35 of 54
2.
Regional Office
3.
Category of Branch
4.
Nature of Exception
5.
6.
7.
Brief Details
8.
9.
Page 36 of 54
Page 37 of 54
______________________
Review Date
__________________________
Title of Account
______________________
Type of Account
CNIC #
______________________
Expiry Date of
CNIC
S.
No
1
2
3
4
5
Nature of
Account
Items of Review
Copy of valid CNIC of all account holders /partners
obtained.
Copy of CNIC of all account holders / partners verified
through NADRA Verisys.
Proper KYC completed and AOF has requisite
information regarding expected monthly turnover,
source of income, purpose of account, expected monthly
income, usual mode of transactions and maximum
expected transaction amount (DR & CR) etc.
Proof of profession (student/self employed/service/
pension etc.) obtained.
Identity documents of account holder(s) & next of kin
attested.
8
9
10
11
12
13
14
15
16
17
Page 38 of 54
Individual, Proprietorship,
Partnership etc.
Yes
No
If "No" comments
______________________
Review Date
__________________________
Title of Account
______________________
Type of Account
S.
No
1
2
4
5
6
7
8
9
Items of Review
Accounts were opened after obtaining special
resolution/ authority from the concerned administrative
department
Account holder authorized himself for account
operations in a joint account
Government accounts/deposits to be operated by an
officer of Federal/ Provincial/ Local Government in his
official capacity were opened after obtaining special
resolution/authority of the concerned administrative
department duly endorsed by Ministry of Finance or
Finance Department of concerned Provincial or Local
Government
Authority letter was obtained from the Government
Department and operating instructions by the
designated persons.
Copy of valid CNIC of concerned official(s) obtained and
verified from NADRA before opening of account.
Identity documents of concerned officials obtained and
attested.
Acceptance of Terms & Conditions for account opening
& maintenance obtained from account holder.
Acknowledgement of receipt of copy of account opening
form obtained from account holder.
Copy of Instruction Circular was not attached/ obtained
to open Office Collection Account
Page 39 of 54
Yes
No
If "No" comments
______________________
Review Date
__________________________
Title of Account
______________________
Type of Account
Nature of Account
S.
No
Items of Review
1
2
3
4
5
9
10
11
12
13
14
15
Page 40 of 54
Yes
No
If "No" comments
______________________
Review Date
______________________
L/C #
______________________
Sanctioned Limit
______________________
S.No
Items of Review
3.
4
5
6.
Yes
8.
10.
11.
12.
13.
14.
15.
16.
If "No" comments
7.
9.
No
Page 41 of 54
______________________
Review Date
______________________
L/G #
______________________
Sanctioned Limit
______________________
S.No
Items of Review
Yes
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
No
In case of "No"
comments
Page 42 of 54
Retirement of Documents
Name of Customer
______________________
L/C #
______________________
S.No
Items of Review
1.
2.
Review Date
______________________
______________________
Yes No
3.
4.
5.
6.
7.
8.
9.
10.
Page 43 of 54
In case of "No"
comments
Export Negotiation
Name of Customer
______________________
L/C #
______________________
Review Date
______________________
S.No
Items of Review
1.
Yes
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
and
Page 44 of 54
______________________
No
If "No" comments
Export Re-Finance
Name of Customer
______________________
Account #
______________________
Review Date
______________________
Items of Review
S.No
Yes
1.
2.
Disbursement Authorization
issued as per procedure.
3.
4.
5.
6.
7.
8.
and
the
proposed
Certificate has
application
is
been
within
Exporters entitlement.
9.
10
______________________
Page 45 of 54
No
In case of "No"
Comments
Page 46 of 54
M-1
Violations of Know Your Customer Reported For the Month of _____________________
Name of
Branch
No. of
Accounts
Opened
Copy of
CNIC
not
Obtained
CNIC not
verified
from
NADRA
FATCA
Form not
Obtained
Proof of
Profession
not
Obtained
Permission
for High
Risk A/c
not
Obtained
Acceptance
of Terms &
Conditions
of A/c
Opened not
obtained
Acknowledgement
of duplicate
AOF not
obtained
Page 47 of 54
Next of
Kin
Details
not
obtained
Letter of
thanks not
dispatched
Photograph of
illiterate A/c
holder not
obtained/ Shabby
signature
Zakat option
not properly
checked &
CZ-50 not
obtained (If
required)
Cheque book
issued before
received LOT
without
completing
formalities
AOF not
properly
signed by
Account
Holder(s)
Total No.
of
Violations
Reported.
M-2
Violations in issuance of Import Letter of Credit
Name
of
Branch
No. of
L/Cs
Opened
Letter of
undertak
ing not
obtained
Performa
Invoice/ Indent
Order was not
properly
signed/
stamped by the
Exporter & not
accepted by
the Importer
Cutting
alterations/
additions on
IB-8 not
authenticated
L/C has
not been
opened on
valid
Indent/
Proforma
invoice
110%
Insurance
has not
been
arranged
L/C value
L/C does
not
mentioned
same
country of
origin of
goods as
mentioned
in proforma
invoice
Grand
Total
Page 48 of 54
Signatures
on IB-8
Debit
Authority
and other
documents
not verified
SBP
authorized
Sign. on
SBP
permit not
verified
Reimbursemen
t instructions
not sent to the
Reimbursing
bank
Disbursem
ent
Authorizati
on
Certificate
has not
been issued
as per
procedure
Total No.
of
Violations
Reported
M-3
Violations Related To Retirement of Documents
Name of
Branch
No. of
Document
Retired
Nonnegotiable
shipping
documents
endorsed 100%
lien have not
been marked
on deposits of
importer
Not entered in
Inward Mail
register and
receipt date not
marked
Form-1 not
filled properly
SBP Permit
not endorsed
for the amount
utilized
(Partially/
Fully)
Grand
Total
Page 49 of 54
Documents
have not been
scrutinized
within a
reasonable
time,
preferably with
24 hrs from the
date of receipt
Lodgment of
documents not
in time
Bill of
Exchange have
not been
properly
endorsed and
delivered to
the Importer
Total No. of
Violations
Reported
M-4
Region-wise Violations of Prudential Regulation O-3 (Entries Outstanding Exceeding
30 Days) in the Month of __________
Name of Branch
Suspense Account
Sundry Deposit
Account
Grand Total
Page 50 of 54
NBP General
Account List ("B" )
M-5
Name of
Region
Name of
Branch
Nature of
Finance
Total No. of
Violations
Reported
Grand Total
Page 51 of 54
M-6
Violation Related to Letter of Guarantee
Name of Branch
Counter Guarantee
from the customer has
not been obtained
Grand Total
Page 52 of 54
M-7
Violation of the Financial Powers (Below the Limit from Prompt Exception)
Name of Region
Name of Branch
Sub-Head of
Charges Account
Violated
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Number of Instances
M-8
Miscellaneous Exceptions Reported during the Month______________________
Name of Region
Exception
No. f Branches
Involved
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Number of Instances