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bank pakistan dubai islamic bank islamic modes islamic banking islamic finance modes of financing financial intermediaries finance financial markets airline pia local area network computers networking computer network computers and internet water dispute indian ocean social studies counties culture society and culture straight line loss of value depreciation methods of depreciation types of depreciation noi approach capital structure theory capital structure m&m approach net operating income approach modigliani and miller national investment trust investment trust investment nit loan international aid world bank international bank imp international monetary fund islamic bank