Bank Audit - your views and Discussions

HELLO ALL

I AM DOING BANK AUDIT AND NEED TO CONFIRM SOME ISSUED A FACED DURING THE CUNCURRENT AUDIT.

1, when i was checking the accounts on FINACLE (Software used by Bank) I saw income and expenditure a/c

i didnt understand why they have prepared income and expediture though it was as per schedule.

2. i saw load to staff was not included in advances

3. i was unable to calculate short recovery.

can any one help.

or if you have any additional questions kindly post it