Game World!

Join A World Of Gamers

Enter your email address:

Delivered by FeedBurner


Tuesday, 31 March 2020

All You Need To Know About Wise Man Daniel Ministries

Wise Man Daniel Ministries

Wise man Daniel

Wiseman Daniel Appreciating God and His Mentor Prophet TB Joshua after his release.

Wiseman, Preacher, Faith Columnist, Healing Minister at Synagogue Church of all Nation; (#SCOAN) and #EmmanuelTv. Restoring men and women to their destinies!

Evangelist at 
Synagague Church Of All Nations (SCOAN)


This is all about Jesus Our mission is to continue Christ mission here on earth To bring salvation, faith, healing, deliverance, blessing and breakthrough through the living and eternal word of God.

How To Minimize The Cost Of Living In Germany

Germany is one of the giant countries in Europe known for its production of good cars, cheap and lasting electronics like smartphones, laptops, computers, video games, TVs, good communication networks like telephoning, cheap and fast internet connections. Good and cheap transport systems like cheap bus fee tickets, cheap train fee tickets, free food, free festivals, free night clubs, cheap food, cheap beer, availability of good-paying jobs, free kitchen utensils, cheap kitchen utensils, free housing, cheap houses, free playgrounds, free parks, free schools, cheap education, free education.

List of charity organizations in Germany.

They specialize in helping certain groups of people, focus on particular areas and provide a broad spectrum of qualified assistance and support. The combination of paid staff and unpaid volunteers forms the special basis of these organizations.

Logo CKD

CKD – Caritas Conferences

CKD was founded in 1840 as the St. Elizabeth Association. CKD is a national network of roughly 80,000 Caritas volunteers who help people in need in parishes, centres, homes and projects.


IN VIA – Association of Social Work for Girls and Women

IN VIA is part of the International Catholic Society for Girls which engages in social policy and focuses on providing girls and young women with effective help for achieving fairer living conditions.

Logo Kreuzbund e. V.


The Kreuzbund Society Incorporated is the Catholic self-help and help community for addicts, ex-addicts and their relatives in Germany. It is the largest German self-help organization for addicts. Kreuzbund currently has 1,600 self-help groups in Germany and consists of roughly 15,000 members. Another approximately 15,000 people come to the group meetings every week. The association provides preventive and follow-up care for addicts, people with substance abuse problems, alcoholics and their relatives. The aim of the self-help groups is for individuals to achieve a stable recovery, personal growth and well-being. Objectives are the rehabilitation and reintegration of sufferers from addiction into family, work and society. Kreuzbund contributes significantly to maintaining an abstinent lifestyle by offering useful leisure time activities without alcohol.

Logo Malteser

Malteser Hilfsdienst – Order of Malta

35,000 volunteers and 3,000 paid employees work for Malteser Hilfsdienst, the German branch of the Order of Malta. Together with its 850,000 patrons, this makes Malteser Hilfsdienst one of the largest welfare organizations in Germany.
Malteser workers provide emergency and medical services, first aid training and social care on a volunteer basis. Its International Department supports partners all over the world and sends experts to disaster areas. Malteser Hilfsdienst runs hospices for people with terminal illnesses and their families. Malteser Jugend, its youth services organization, offers 9,000 young people the opportunity to play games, participate in sports or do charitable work.

Logo Raphaels-Werk

Raphaelswerk – Helping People on the Move

Raphaels-Werk provides counselling services to people who want to move abroad temporarily or indefinitely: Emigrants, people working abroad, refugees who want to continue to a third country or return to their home countries voluntarily, and multinational couples. Germans living abroad who would like to return to Germany may also receive assistance in one of Raphaels-Werk’s 23 advice centres.

Logo des Fachverbandes Sozialdienst Katholischer Frauen (SKF)

SkF – Catholic Women's Welfare Service

The Sozialdienst katholischer Frauen (Catholic Women's Welfare Service) is a professional women's association in the Catholic Church providing help to children, young people, women and their families in particularly difficult circumstances. Above all, the SkF is involved in supporting women on the fringes of society who suffer from discrimination and the feeling of being excluded.

Logo SKM

SKM – Catholic Association for Social Services in Germany

SKM, the Catholic Association for Social Services in Germany, is a league of action groups and associations who strive to fulfil the Christian mission of shaping the world and the Church by establishing professional counselling and support services for people in uncertain and critical situations. They provide assistance and legal advice to youths, families, homeless people, offenders, people in debt and people living in troubled areas.

Logo VKD

VKD – League of St. Vincence Associations in Germany

VKD is a charity organization which primarily takes care of older people and people who are lonely, offering them professional counselling and help. VKD was founded in 1845 as an association of volunteer laypeople.

How do you learn how to minimize the cost of living in a country owned by multi-billion dollar industries like Germany? Well read to the end and find out how to minimize the cost of living in Germany.

So when you get into Germany, you want to know how to get things first for free then you can know how to get cheap things in Germany.

How to get free housing in Germany?

Yes, it's possible to get free housing in Germany. All over Germany, there are free houses ready to accommodate people for a couple of days to a few years. These houses are locally known as Heims, Pension sponsored by Jobcenter.

So all you have to do when you get into Germany is contact these Heims or visit your local Jobcenter and you get your free housing in Germany.

How to get cheap houses for rent in Germany?

Normally Germany is very electronic. So most of the times you will have to find cheap houses for rent in Germany on the internet like immobilienScout24 where cheap houses for rent will be listed on their website and you will have to apply to rent one of these houses, ebaykleinanzeigen is also a good website to check out if you are looking to get cheap houses to rent in Germany, newspapers also have cheap houses to rent in Germany section, Radio broadcast also advertise cheap houses to rent in Germany, there are also a good number of TV shows advertising how to get cheap houses to rent in Germany.

How to buy cheap properties in Germany?

You can also head over to immobilienscout24 and ebaykleinanzeigen and find good listenings of properties that you can buy with the money you have.

How to get free food in Germany?

Yes in a great country like Germany you can still get free food. Most Heims will offer you free food from breakfast to dinner.

Also during the harvesting period in Germany, you can easily make a fortune if you visit farms just after the harvest session. You are going to gather a great number of potatoes and corn (maize)

How to get cheap food in Germany?

The mother of all the cheap food organizations in Germany is known as Die Tafeln. All you have to do is look for Die Tafeln in your local city or village and head over there and register and you start getting food every 2 weeks that will cost you just 1 euro.

Rewe is also a great supermarket in Germany to head to when it comes to getting cheap food in Germany. They sell from cheap food like Fleish Kaser ins brotchen that will cost you just 1.5 euros to cheap fast food, rice spaghetti, chicken, meat, eggs, vegetables, salat, fish, Jogurt, ice creams.

Aldi is also one of the great super markets in Germany to get cheap and fast food in Germany.

Lidl is yet another great super market in Germany to get cheap and fast food in Germany.

Tegut is still one of the great super markets in Germany to get cheap and fast food in Germany.

Mcdonalds stays the mother of cheap fast food in Germany. Head over to Mcdonalds and grab you a burger for 1 euros. Burger kings is the lil sis to Mcdonalds. You can still get some decent burgers at burger kings at an affordable price but not as good as Mcdonalds.

How to get cheap African food in Germany?

There are a good number of African festivals held every year in Germany. You can hop in there and eat some delicious African food where ever you are from Africa at a good and affordable price.

How to get free fruits in Germany?

Stop buying apples in Germany. In all the free parks in Germany, there are a good number of apple trees that if you are hungry to eat apples all you have to do is head over to these parks during the apple session then you can eat as many apples as you want. Not to talk of when you want to move in the bush, you are going to find a good number of free apple trees you can grab you an apple or 2 during the apple session.

How to get cheap fruits in Germany?

All the great German supermarkets like Lidl, Aldi, rewe, tegut have a variety of fruits at a cheap and affordable price.

How to get cheap salat in Germany?

If you come into Germany and you are looking for cheap salat then head over to rewe, tegut, Lidl, Aldi.

How to get cheap beer in Germany?

There is no way you can get free beer in Germany unless someone offer to buy you a beer. But you can head over to rewe, Lidl, Aldi and tegut. For example, beers like karlskrone and turmbräu will cost you just 54 cent for half a liter.

How to get free clothes in Germany?

Yes, you can get free clothes in Germany. When you move into these Heims looking for free housing in Germany, most of them also have the possibility to get you free clothes. Some of them will even go as far as taking you for shopping.

How to buy cheap clothes in Germany?

The mother of cheap clothes in Germany is known as DRK kleiderladen. It's an organization owned by Deutsches Rotes Kreuz. You can hop in there and get Jeans, T - shirts, sucks, pants and even bed sheets at a good and affordable price.

Rewe, lidl and aldi aslo have some cheap and affordable clothing section.

You can also head over to the mother of cheap clothing in Germany known as Primark.

How to get free shoes in Germany?

Yes most Heims in Germany will also offer you some free shoes. They can even buy them for you if you want.

How to get cheap shoes in Germany?

You can head over to Primark, rewe, Aldi, Lidl and get cheap shoes in Germany.

How to get free beauty products in Germany?

When you check into Heims in Germany, most of them will offer you free beauty products like soap, toothpaste, and toothbrush. They will also take you shopping so you can easily tell them to buy you some body lotion, perfumes, hair beauty products, and nail beauty products.

How to get cheap beauty products in Germany?

You can head over to dm and get cheap and affordable beauty products.

How to get free books in Germany?

If you are in Germany then the last thing you want to buy are books. There are many free public libraries where you can head over and read just any type of book.

Germans are also known to place free things outside like kitchen utensils, books, traveling bags, toys, video games, electronics that you can grab completely free.

How to get free electronics in Germany?

Each year Germany organizes a free public exhibition of cheap and affordable electronics known as Flohmarkt. You can check the listenings in your country to the date and time on the internet. Head over there you are going to find cheap video games, kitchen utensils, books, clothes, shoes, computers, laptops at a good and affordable price.

How to get free internet connection in Germany?

walk over to rewe with your smartphone or laptop and you get 1hr of free internet connection. Mcdonalds offers 3hrs of free internet connection.

How to get free entertainment in Germany?

There is a good number of festivals all over Germany where you will get free music, public shows for free. A good one is known as Rewe Fest.

How to get free night clubs in Germany?

You can head over to Metropol where you won't pay any gate fee and dance like you want.

How to get free education in Germany?

There are a good number of organizations in Germany that will offer you the chance to go to school completely free. Learn German, go in for normal school, learn a trade locally known in Germany as Ausbildung. Jugendamt and Jobcenter will offer you those options.

How to get a job in Germany?

If you head over to jobcenter they will send you to a 6 months program dedicated to getting you a job and it is totally free. They will even pay your car fuel, bus or train ticket. This organization is known as BBz.

Some organizations like Awo have personnel dedicated to making sure you get a job in Germany.

You can also head over to jobbörse. While you will find jobs covering any field of learning. You can then apply for these jobs. Don't be afraid this is a German government-controlled platform to get jobs in Germany. So you have a good chance of getting a job in Germany if you are consistent on this internet platform to get a job in Germany.

The complete infographics below will help you navigate your way through this free internet platform to get a job in Germany.

To increase your chances of getting a job in Germany then you will have to know how to write a good cv known in German has Lebenslauf. Then you will have to know how to go in for a typical German interview known as vorstellungsgespräch.

You can get help on how to write great lebenslauf and how to go in for a vorstellungsgespräch at your local jobcenter or ask a personnel at the Heim you are living in.

How to get free money in Germany?

Job center will pay you every month without doing any work. There are also a good number of organizations in Germany that will pay you without you doing any work like Awo.

Free ways to make money in Germany?

Germany is a very industrialized country. So your best option to make money in Germany is to get a job. Then another good free way to make money in Germany is to go through scrape collection. So all you have to do is walk around in every city or village in Germany you are going to notice a good tone of free things to take like kitchen utensils, tables, beds, toys, video games, books, bags... All you have to do is collect these things and create a shop and place them there for sale. Then you might also want to know there are many free ways to make money on the internet.

How to make free sports in Germany?

When you are in Germany and you want to make sports and keep fit or lose weight you know the weight lost plane: You don't have to pay for any gym fee. All you have to do is head over to free parks and all of them have a sports section you can make sports and lose weight for free.

“Germany Helps” Organization

Together we are stronger – and that goes for the large relief organizations as well. In “Germany Helps” (ADH – Aktion Deutschland Hilft e.V.), 22 of these organizations have joined forces to concentrate their expertise and provide humanitarian aid when catastrophe strikes, both in Germany and in crisis regions of foreign countries.

Aktion Mensch

“Everyone is handicapped to some extent” and the website operated by the German Aid for the Handicapped Association (Aktion Mensch e.V.) has something for everybody. This social organization emerged from the earlier campaign known as “Aktion Sorgenkind” (Problem Child Campaign).


The vision of providing professional medical care to the civilian population in war zones and disaster areas first gave rise to MÉDECINS SANS FRONTIÈRES, a private medical emergency organization. This organization was awarded the Nobel Peace Prize in 1999. ÄRZTE OHNE GRENZEN e.V. is the German section of the international network.

German AIDS Society

There is currently no cure for AIDS. The German AIDS Society (DAH - Deutsche Aidshilfe e.V.) has been helping HIV-infected persons to live as good as possible a “positive” life since 1983. The national German umbrella association with its local AIDS chapters provides information and counseling services that focus on HIV, AIDS, as well as on such other sexually transmitted diseases as hepatitis.

German Heart Foundation

Plenty of physical exercise, a low-fat diet and limited alcohol intake – that’s the best way to prevent a heart attack! The German Heart Foundation provides even more tips on how to live a healthier lifestyle. This association has been involved in the fight against heart and circulatory diseases since 1979. The Frankfurt-based foundation supports patients as well as medical professionals with awareness campaigns and research projects.

German Cancer Aid

Every year, more than 490,000 people in Germany develop cancer, making this disease the No. 2 killer in the country. German Cancer Aid has supported projects to improve diagnosis, therapy, aftercare and self-help since 1974.

German Catholic Welfare Association

Advocate and partner of the underprivileged: the German Catholic Welfare Association (Deutscher Caritas Verband) supports people who find no other assistance in their social environments.
German Association for the Protection of Children
Working together for the future of all our children: the German Association for the Protection of Children (DKSB - Deutscher Kinderschutzbund e.V.) lobbies and does public relations work for the youngest of us all, offers counseling and organizes such things as child care.

German Red Cross

The German Red Cross (DRK – Deutsches Rotes Kreuz), part of the international red cross and red crescent movement, offers assistance to people in distress. This charitable organization, with close to five million members in Germany, assumes a wide variety of different functions, such as rescue services, nursing care, emergency services and development aid.


As an expression of the life and character of the church, Diakonie (the Diakonisches Werk der Evangelischen Kirche Deutschlands) is a social welfare association of the German protestant church committed to supporting socially disadvantaged families, the unemployed, the elderly, and the sick. Diakonie also works toward achieving social justice in general.


Germany is a great country with a lot of money but filled with charity homes. You can easily minimize the cost of living in Germany if you know where to go.

Thursday, 30 January 2020

How North Korea Held the Greatest Pro Wrestling Event in History

Collision in Korea

Collision in Korea, officially known as the Pyongyang International Sports and Culture Festival for Peace (平和のための平壌国際体育・文化祝典, Heiwa no tame no Pyon'yan kokusai taiiku bunka shukuten), was a professional wrestling pay-per-view (PPV) event jointly produced by New Japan Pro-Wrestling (NJPW) and World Championship Wrestling (WCW). It took place over a period of two days on April 28 and 29, 1995 at May Day Stadium in Pyongyang, North Korea. It aired in North America on August 4, 1995, when WCW broadcast a selection of matches from the show on pay-per-view.

How North Korea Held the Greatest Pro Wrestling Event in History

The event was the first PPV from a North American wrestling promotion to be held in North Korea, and holds the current record for the largest combined attendance for a wrestling event, with a claimed crowd of 165,000 and 190,000 for the first and second day respectively. American wrestling journalist Dave Meltzer reported different attendance numbers of 150,000 and 165,000 respectively.

NJPW's Hidekazu Tanaka was the ring announcer for the show, while Masao Tayama and Tiger Hattori refereed the matches. Commentary for the WCW pay-per-view presentation of the event was provided by Eric Bischoff, Mike Tenay and Kazuo Ishikawa.

It is one of the few WCW pay-per-view events not made available for streaming on the WWE Network service.

The event included wrestlers from pre-existing scripted feuds and storylines. Wrestlers portrayed villains or heroes in scripted events.

The Greatest Bank Hesit In Japanese History (300 Yen Robbery)

The 300 million yen robbery (三億円事件, San Oku En Jiken), also known as the 300 million yen affair or incident, was the single largest heist in Japanese history at the time. It occurred on the morning of December 10, 1968, in Tokyo, Japan. Half a century later, the case remains unsolved.

This Is The Greatest Bank Heist in Japanese History

On the morning of December 10, 1968, four Kokubunji branch employees of the Nihon Shintaku Ginko (bank) transported 294,307,500 yen (about US$817,520 at 1968 exchange rates) in the trunk of a company car. The metal boxes contained bonuses for the employees of Toshiba's Fuchu factory. They were stopped in the street next to Tokyo Fuchū Prison by a young uniformed officer on a police motorcycle. The police officer informed them that their branch manager's house had been blown up, and they had received a warning that dynamite had been planted in the transport car. The four employees exited the vehicle while the officer crawled under the car to locate the bomb. Moments later, the employees noticed smoke and flames under the car as the officer rolled out, shouting that it was about to explode. When the employees retreated to the prison walls, the police officer got into the car and drove away.

The bank employees believed the thief was a police officer, and accepted his story about the bomb because threatening letters had been sent to the bank manager beforehand. The smoke and flames turned out to be the result of a warning flare he had ignited while under the car. At some point, the thief abandoned the bank's car and transferred the metal boxes to another car, stolen beforehand. That car too was abandoned, and the boxes transferred once again to another previously stolen vehicle.

There were 120 pieces of evidence left at the scene of the crime, including the "police" motorcycle, which had been painted white. However, the evidence was primarily common everyday items, scattered on purpose to confuse the police investigation.

A 19-year-old man, the son of a police officer, was suspected just after the robbery. He died of potassium cyanide poisoning on December 15, 1968. He had no alibi. However, the money was not found at the time of his death. His death was deemed a suicide and he was considered not guilty, according to official record.

Japanese Bank Robbery (1948)

A massive police investigation was launched, posting 780,000 montage pictures throughout Japan. The list of suspects included 110,000 names, and 170,000 policemen participated in the investigation — the largest investigation in Japanese history.

On December 12, 1969, a 26-year-old man was suspected by the Mainichi Shimbun. He was arrested on an unrelated charge, but he had an alibi; the robbery occurred on the day he was taking a proctored examination. As the arrest was made based on false pretenses, the arresting police officer, Mitsuo Muto, was accused of abuse of power.

A friend of the 19-year-old suspect was arrested on an unrelated charge on November 15, 1975, just before the statute of limitations. He had a large amount of money and was suspected of the robbery. He was 18 years old when the robbery occurred. The police asked him for an explanation for the large amount of money, but he did not say anything and they were not able to prove that his money had come from the robbery.

The seven-year investigation offered few answers, and in December 1975, the statute of limitations on the crime passed without an arrest. As of 1988, the thief has also been relieved of any civil liabilities, allowing him to tell his story without fear of legal repercussions. He has yet to come forward.

What Really Happened At The Greatest Bank Heist In Chinese History

The Agricultural Bank of China robbery was the embezzlement of nearly 51 million yuan (c.US$6.7 million) from the Handan branch of the Agricultural Bank of China (ABC) in Hebei province between March 16 and April 14, 2007. Perpetrated by two vault managers employed at the branch, it is the largest bank robbery in China's history.

This Is The Greatest Bank Heist in Chinese History

The idea for the heist had begun when one of the managers, Ren Xiaofeng, stole 200,000 yuan (c. US$26,000) in October 2006 with the complicity of two security guards, Zhao Xuenan and Zhang Qiang. Ren then purchased tickets for the Chinese lottery, with the intention of winning a sufficiently large prize that he could return the missing funds before their absence was noted, and still have money left over for himself.[2] Despite the unfavourable odds Ren was successful, and he was able to return the 200,000 to the vault.

Emboldened by his initial success, Ren joined forces with another manager, Ma Xiangjing, to perpetrate the same crime on a far larger scale. During March and April 2007, the two stole 32.96 million yuan (c. US$4.3 million), and spent almost the entire amount—31.25 million—on lottery tickets.[4] This time good fortune was not on their side. In desperation, they stole six cash boxes containing a further 18 million yuan (c. US$2.3 million) on April 14, spending 14 million in a single day in an effort to recover their losses. Despite Handan reporting record lottery ticket sales, the two recouped only 98,000 yuan (c. US$12,700).

On April 16, ABC branch managers discovered the missing money and notified the police. With insufficient funds to cover the losses, Ren and Ma bought fake IDs and cars with their meagre winnings, and fled.[5] This prompted an extensive manhunt, with the Public Security Ministry placing the two men on their "Most Wanted" list. Ma was arrested in Beijing on April 18, and Ren was found a day later in Lianyungang, a coastal town in Jiangsu Province.

Ren and Ma were charged with embezzlement, while Zhao and Zhang, the security guards, were charged with misappropriating public funds. A fifth man, Song Changhai, was also prosecuted for harbouring Ma while he was on the run. The three accomplices were all given sentences of up to five years in prison, while the two managers were sentenced to death. A landlord, a cab driver, and a car saleswoman in Lianyungang shared a 200,000 yuan reward for assisting police to arrest Ren, while in Handan five employees of the bank were fired. Only 5.5 million yuan was ever recovered by the police, with the remainder squandered by the perpetrators' gambling.

Both Ren and Ma were executed in Hebei province on April 1, 2008.

What Really Happened At The Bangladesh Bank robbery (Bangladesh Bank cyber heist)

The Bangladesh Bank robbery, also known colloquially as the Bangladesh Bank cyber heist, took place in February 2016, when thirty-five fraudulent instructions were issued by security hackers via the SWIFT network to illegally transfer close to US $1 billion from the Federal Reserve Bank of New York account belonging to Bangladesh Bank, the central bank of Bangladesh. Five of the thirty-five fraudulent instructions were successful in transferring $101 million, with $20 million traced to Sri Lanka and $81 million to the Philippines. The Federal Reserve Bank of New York blocked the remaining thirty transactions, amounting to $850 million, due to suspicions raised by a misspelled instruction. All the money transferred to Sri Lanka has since been recovered. However, as of 2018 only around $18 million of the $81 million transferred to the Philippines has been recovered. Most of the money transferred to the Philippines went to four personal accounts, held by single individuals, and not to companies or corporations. It was later suspected that Dridex malware was used for the attack.

The $1,000,000,000 North Korean Bank Heist

The Federal Reserve Bank of New York shares a large portion of the blame for this cyber heist because it failed to notice warning signs early enough, due to worrying weaknesses and disarray at their Central Bank and International Account Services (CBIAS) unit. The Federal Reserve Bank of New York lacked a system for detecting possible fraud in real time, although such systems are used everywhere, and instead it relied on random checks but only after payments were made. Usually these simple checks were for detecting United States sanctions violations and not fraudulence or theft. The suspicious activities of the staff at the Rizal Commercial Banking Corp (RCBC) in the Philippines cannot be ignored either because they acted with lightning speed to launder the money out of the bank and into the gambling industry, in complete violation of the Philippines anti-money laundering laws and in total disregard of the instructions of the central bank of the Philippines, which had ordered a freeze on the accounts. Nearly one year before the robbery, the Governor of Bangladesh Bank had foreseen cyber security vulnerabilities and had hired an American cyber security firm to bolster the firewall, network and overall cyber security of the bank. However, due to multiple bureaucratic hurdles, the security firm could not join and it only started its operations in Bangladesh after the cyber heist.

The 2016 cyber-attack on the Bangladesh central bank was not the first attack of its kind. In 2013, the Sonali Bank of Bangladesh was also successfully targeted by hackers who were able to remove US$250,000.

In both cases, the perpetrators were suspected to have been aided by insiders within the targeted banks, who assisted in taking advantage of weaknesses in the banks' access to the SWIFT global payment network.

Capitalizing on weaknesses in the security of the Bangladesh central bank, including the possible involvement of some of its employees,[10] perpetrators attempted to steal $951 million from the Bangladesh central bank's account with the Federal Reserve Bank of New York sometime between February 4–5 when Bangladesh Bank's offices were closed. The perpetrators managed to compromise Bangladesh Bank's computer network, observe how transfers are done, and gain access to the bank's credentials for payment transfers. They used these credentials to authorise about three dozen requests to the Federal Reserve Bank of New York to transfer funds from the account Bangladesh Bank held there to accounts in Sri Lanka and the Philippines.

Thirty transactions worth $851 million were flagged by the banking system for staff review, but five requests were granted; $20 million to Sri Lanka (later recovered), and $81 million lost to the Philippines, entering the Southeast Asian country's banking system on February 5, 2016. This money was laundered through casinos and some later transferred to Hong Kong.

Attempted fund diversion to Sri Lanka

The $20 million transfer to Sri Lanka was intended by hackers to be sent to the Shalika Foundation, a Sri Lanka-based private limited company. The hackers misspelled "Foundation" in their request to transfer the funds, spelling the word as "Fundation". This spelling error gained suspicion from Deutsche Bank, a routing bank which put a halt to the transaction in question after seeking clarifications from Bangladesh Bank.

Sri Lanka-based Pan Asia Bank initially took notice of the transaction, with one official noting the transaction as too big for a country like Sri Lanka. Pan Asia Bank was the one which referred the anomalous transaction to Deutsche Bank. The Sri Lankan funds have been recovered by Bangladesh Bank.

Funds diverted to the Philippines

The money transferred to the Philippines was deposited in five separate accounts with the Rizal Commercial Banking Corporation (RCBC); the accounts were later found to be under fictitious identities. The funds were then transferred to a foreign exchange broker to be converted to Philippine pesos, returned to the RCBC and consolidated in an account of a Chinese-Filipino businessman; the conversion was made from February 5 to 13, 2016. It was also found that the four U.S. dollar accounts involved were opened at the RCBC as early as May 15, 2015, remaining untouched until February 4, 2016, the date the transfer from the Federal Reserve Bank of New York was made.

On February 8, 2016, during the Chinese New Year, Bangladesh Bank informed RCBC through SWIFT to stop the payment, refund the funds, and to "freeze and put the funds on hold" if the funds had already been transferred. Chinese New Year is a non-working holiday in the Philippines and a SWIFT message from Bangladesh Bank containing similar information was received by RCBC only a day later. By this time, a withdrawal amounting to about $58.15 million had already been processed by RCBC's Jupiter Street (in Makati City) branch.

On February 16, the Governor of Bangladesh Bank requested Bangko Sentral ng Pilipinas' assistance in the recovery of its $81 million funds, saying that the SWIFT payment instructions issued in favor of RCBC on February 4, 2016 were fraudulent.


Initially, Bangladesh Bank was uncertain if its system had been compromised. The governor of the central bank engaged World Informatix Cyber Security, a US-based firm, to lead the security incident response, vulnerability assessment and remediation. World Informatix Cyber Security brought in the forensic investigation company Mandiant, for the investigation. These investigators found "footprints" and malware of hackers, which suggested that the system had been breached. The investigators also said that the hackers were based outside Bangladesh. An internal investigation has been launched by Bangladesh Bank regarding the case.

The Bangladesh Bank's forensic investigation found out that malware was installed within the bank's system sometime in January 2016, and gathered information on the bank's operational procedures for international payments and fund transfers.

The investigation also looked into an unsolved 2013 hacking incident at the Sonali Bank, wherein US$250,000 was stolen by still unidentified hackers. According to reports, just as in the 2016 central bank hack, the theft also used fraudulent fund transfers using the SWIFT global payment network. The incident was treated by Bangladeshi police authorities as a cold-case until the suspiciously similar 2016 Bangladesh central bank robbery.


The Philippines' National Bureau of Investigation (NBI) launched a probe and looked into a Chinese-Filipino who allegedly played a key role in the money laundering of the illicit funds. The NBI is coordinating with relevant government agencies including the country's Anti-Money Laundering Council (AMLC). The AMLC started its investigation on February 19, 2016 of bank accounts linked to a junket operator. AMLC has filed a money laundering complaint before the Department of Justice against a RCBC branch manager and five unknown persons with fictitious names in connection with the case.

A Philippine Senate hearing was held on March 15, 2016, led by Senator Teofisto Guingona III, head of the Blue Ribbon Committee and Congressional Oversight Committee on the Anti-Money Laundering Act.[19] A closed-door hearing was later held on March 17. Philippine Amusement and Gaming Corporation (PAGCOR) has also launched its own investigation. On August 12, 2016, RCBC was reported to have paid half of the Ph₱1 billion penalty imposed by the Central Bank of the Philippines. Prior to that, the bank reorganized its board of directors by increasing the number of independent directors to 7 from the previous 4.

United States

FireEye's Mandiant forensics division and World Informatix Cyber Security, both US-based companies, investigated the hacking case. According to investigators, the perpetrators' familiarity with the internal procedures of Bangladesh Bank was probably gained by spying on its workers. In a separate report, the US Federal Bureau of Investigation (FBI) says that agents have found evidence pointing to at least one bank employee acting as an accomplice, with evidence pointing to several more people as possibly assisting hackers in navigating the Bangladesh Bank's computer system. The government of Bangladesh is considering suing the Federal Reserve Bank of New York in a bid to recover the stolen funds.

FBI suspicion of North Korea
Federal prosecutors in the United States have revealed possible links between the government of North Korea and the theft. U.S. prosecutors are reportedly at work building potential cases that would accuse North Korea of directing the theft of $81 million from Bangladesh Bank's account at the Federal Reserve Bank of New York. The report also said that to be included in the charges are "alleged Chinese middlemen," who facilitated the transfer of the funds after it had been diverted to the Philippines.

Some security companies, including Symantec Corp. and BAE Systems, say that the North Korea-based Lazarus Group, one of the world's most active state-sponsored hacking collectives, were probably behind the attack. They cite similarities between the methods used in the Bangladesh heist and those in other cases, such as the hack of Sony Pictures Entertainment in 2014, which U.S. officials also attributed to North Korea. Cybersecurity experts say Lazarus Group was also behind the WannaCry ransomware attack in May 2017 that infected hundreds of thousands of computers around the world.

Some or all of the stolen funds may eventually have found its way to North Korea. The FBI is examining the possible North Korea's link to the hack, according to two officials with direct knowledge of the investigation.

US National Security Agency Deputy Director Richard Ledgett was also quoted as saying that, “If that linkage from the Sony actors to the Bangladeshi bank actors is accurate—that means that a nation state is robbing banks."

The U.S. has charged a North Korean computer programmer with hacking the Bangladesh Bank, alleging this was carried out on behalf of the regime in Pyongyang. The same programmer has also been charged in connection with two other global cyber attacks, the WannaCry 2.0 virus, the 2014 Sony Pictures attack.

Other attacks

Computer security researchers have linked the theft to as many as eleven other attacks, and alleged that North Korea had a role in the attacks, which, if true, would be the first known incident of a state actor using cyberattacks to steal funds.

The Rizal Commercial Banking Corporation (RCBC) said it did not tolerate the illicit activity in the RCBC branch involved in the case. Lorenzo V. Tan, RCBC's president, said that the bank cooperated with the Anti-Money Laundering Council and the Bangko Sentral ng Pilipinas regarding the matter. Tan's legal counsel has asked the RCBC Jupiter Street branch manager to explain the alleged fake bank account that was used in the money laundering scam.

The RCBC's board committee also launched a separate probe into the bank's involvement in the money laundering scam. RCBC president Lorenzo V. Tan filed an indefinite leave of absence to give way to the investigation by the authorities on the case. On May 6, 2016, despite being cleared of any wrongdoing by the bank's internal investigation, Tan resigned as President of RCBC to "take full moral responsibility" for the incident. Helen Yuchengco-Dee, daughter of RCBC founder Alfonso Yuchengco, will take over the bank's operations. The bank also apologized to the public for its involvement in the robbery.

Bangladesh Bank chief, governor Atiur Rahman, resigned from his post amid the investigation of the central bank robbery and subsequent laundering of the money by the RCBC staff in the Philippines. He submitted his resignation letter to Prime Minister Sheikh Hasina on March 15, 2016. Before the resignation was made public, Rahman stated that he would resign for the sake of his country. After his resignation, Rahman defended himself by claiming that he had foreseen cyber security vulnerabilities one year ago and had hired an American cyber security firm to bolster the firewall, network and overall cyber security of the bank. However, he blamed bureaucratic hurdles for preventing the security firm from starting its operations in Bangladesh until after the cyber heist.

On August 5, 2016, the Bangko Sentral ng Pilipinas approved a ₱1 billion (US$52.92 million) fine against RCBC for its non-compliance with banking laws and regulations in connection with the bank robbery. This is the largest monetary fine ever approved by BSP against any institution. RCBC stated that the bank would comply with the BSP's decision and pay the imposed fine.

The Bangladesh Bank continued its efforts to retrieve the stolen money and had only recovered about $15 million, mostly from a gaming junket operator based in Metro Manila. In February 2019, the Federal Reserve pledged it would help Bangladesh Bank recover the money and SWIFT has also decided to help the central bank rebuild its infrastructure. The Bangladeshi central bank also believed that RCBC was complicit with the robbery filing a legal case in U.S. District Court for the Southern District of New York regarding the case in early 2019 accusing the Philippine bank of "massive conspiracy". In response, RCBC filed a lawsuit accusing Bangladesh Bank of defamation believing that Bangladesh Bank's claims are baseless.

The case threatened to reinstate the Philippines to the Financial Action Task Force on Money Laundering blacklist of countries that made insufficient efforts against money laundering. Attention was given to a potential weakness of Philippine authorities' efforts against money laundering after lawmakers in 2012 managed to exclude casinos from the roster of organizations required to report to the Anti-Money Laundering Council regarding suspicious transactions.

The case also highlighted the threat of cyber attacks to both government and private institutions by cyber criminals using real bank authorisation codes to make orders look genuine. SWIFT has advised banks using the SWIFT Alliance Access system to strengthen their cyber security posture and ensure they are following SWIFT security guidelines. Bangladesh is reportedly the 20th most cyber-attacked country, according to a cyber threat map developed by Kaspersky Lab, which runs in real time.

Being a bank robber is bad for the soul in more ways than one.

Imagine your plans are successful. How do you sleep if you believe there’s nowhere safe to stash your ill-gotten gains?

Other people’s worries, best ignored perhaps, other than as a useful plot device for novels and films.

Except that, in the case of the Philippines-based hackers who stole $100m of the Bangladesh Bank’s money from the Federal Reserve in New York last month, it turns out to be everybody’s problem.

If ever a story had international crime and globalisation running through it as a thread, this is it.

Like other central banks, Bangladesh Bank uses the Federal Reserve as part of its stewardship of Bangladesh’s $28bn foreign currency reserves.

Most of Bangladesh’s reserves can be traced to remittances sent by hard-working migrants in the Middle East and the toil of the millions of garment workers who help clothe Europe and North America, and are responsible for the bulk of the country’s export earnings.

Thanks to the Philippine Daily Inquirer breaking the story, the world knows now that $100m of Bangladesh Bank’s funds was digitally stolen from the Federal Reserve last month. And that the hackers attempted to steal a whole billion dollars, but were foiled by an elementary spelling mistake.

It all sounds like a pulp fiction that would have been rejected as implausible a year ago. But it happened.

A quartet of hackers opens accounts at a Philippines bank. Months later, they fraudulently execute transfer orders from the Bangladesh central bank’s holdings in New York to coincide with not just the usual long weekend of the combined Bangladesh and US working weeks, but also the Philippines’ special Monday closure for Chinese New Year.

This allows extra time for stolen funds to be sent to a Chinese national with casino connections and be converted into pesos and hard to trace chips.

Along the way, half a dozen global banks duly execute orders, making use where called for of the protocols set by the Society for Worldwide Interbank Financial Telecommunication (Swift) based in Belgium.

Fortuitously, one of the routing institutions, Deutsche Bank, seeks clarification of an instruction for $20m to be sent to a Sri Lankan non-profit, because the hackers misspelled “foundation” in the NGO’s name.

Alarm bells ring and Bangladesh Bank scrambles to work with its Philippines counterparts and money laundering investigators to get to the bottom of it all.

That would be a happy ending, if the stolen money turns out to be recoverable. But instead, it’s more likely to only be the start of a tangled web of inquiries and litigation. Already, there is something of a Mexican stand-off between Bangladesh, Philippines, and the US over culpability for the fraudulent transactions going through.

As the prime victim, Bangladesh Bank has a right to expect strict liability for its losses from the Federal Reserve.

But equally the Federal Reserve will want to point to possible holes in BB’s internal security measures.

Throw in the Fed’s concern about the reputational damage of having to explain to its customers (essentially all the world’s banks) how funds earned by millions of poor Bangladeshi workers, were so readily stolen, and the only happy people left in the room will be everyone’s lawyers.

It is not known yet whether there was collusion by complicit individuals which enabled the hackers to mimic BB’s security protocols and passwords, or if the gang simply used diabolical malware to steal them. Take your pick. Either way, it does not change the fact Bangladesh Bank is the victim here.

And that systems used by the world’s most secure bank were spectacularly breached.

Ah, but wait a minute, chorus a plethora of comics and commenters on newspaper websites. Hallmark and various frauds in state-owned banks were a bigger loss for Bangladeshi tax-payers, weren’t they? And didn’t leading banks bankrupt the global financial system in 2008 by gambling trillions of dollars of other people’s money on worthless derivatives?

Well yes, that’s all true. But like should be compared with like.

Bangladesh Bank’s track record on repaying multilateral debt and managing international obligations is a sound one, particularly when compared to the government’s record in controlling state-owned banks. It is self-flagellation to imply as some do, that just because Bangladesh scores poorly on Transparency International’s corruption perception index, this cyber fraud is “just another” scandal to add to the list.

It is not. It is a scarily large and almost wholly successful international robbery. The entire point of systems adopted by Bangladesh Bank, the Federal Reserve, and Swift is to prevent theft, and in this case they were short-circuited.

Little light will be shed by pointing to the crony capitalism and corruption which underlay the many scandals that have plagued Bangladesh state-owned banks. Or for that matter similar dynamics at play in the lobbying that prevents US politicians from fixing the system that gave impunity to reckless Wall Street bankers. Not to mention (but I will) prolonged attempts by successive British governments to suppress reports on corruption allegations in the $40 billion plus Al-Yamamah oil for arms deal with Saudi Arabia in 1984. All these things matter. Venality knows no boundary. But, none of this makes it easier to steal from the Federal Reserve.  If it did, the Fed would be successfully robbed every day.

Of course, this sorry tale makes it imperative that Bangladesh Bank and the Federal Reserve do more to make security procedures as secure as they are meant to be. But let’s not overlook the human interest in the story of the Bangladesh cyber-heist. The greed of the cunning individuals involved does not need elaborate theories to be explained. It is the sheer size of the hackers’ ambitions that intrigues and appalls in equal measure.

To appreciate the scale of their theft, take a look at this week’s sentencing in London of the career criminals found guilty of last year’s Hatton Garden jewellery vault raid, which prosecutors called the biggest burglary in English legal history.

As an analogue “hole in the wall job,” carried out over last year’s Easter public holiday by a gang of senior citizens, the oldest of whom was 75 -- it inevitably fascinated tabloids. It even earned a compliment from the sentencing judge for standing “in a class of its own” in terms of planning and organisation.

Not surprisingly, movie producers and Sir Michael Caine have already expressed interest in filming the story. What leaps out most though, is that this raid involved “only” 14 million pounds worth of jewellery, cash, and gold.

Surely an attempted billion dollar robbery, from the Federal Reserve no less, must throw up similar interest from Hollywood? After all, the story is almost tailor-made for US film companies looking to appeal to expanding markets in Asia.

Maybe. But geeks at desks sounds a harder sell then Cockney pensioners “doing one last break-in,” so it would need something of the Mission Impossible to be visually appealing.

I had to ask a colleague for the name of the pre-millennial Sean Connery vehicle about a heist at the Petronas Towers which this chain of thought inevitably led to. All I could remember about Entrapment was Catherine Zeta-Jones limboing around some laser beams for some forgotten but presumably plot germane reason.

After some discussion, we both agreed the cast of international organisations, locations, and casinos involved in the Bangladesh cyber heist, means an Ocean’s Eleven-type scenario is definitely on the cards. It even has room for a role for Sir Michael at the location of his choice.

One day perhaps, an expatriate migrant worker in a desert kingdom whose remittances to Bangladesh found their way via New York to a casino in East Asia, will see a film on a plane about the cyber heist story. And the old Fleet Street cliché will pop up in every viewer’s mind.

You couldn’t make it up.

Floating Button