Welcome to IBA . Can I help you ?   Yes , hello . Our company used your bank to send some documents to Malaysia last week . Could you check and see if the proceeds have come back yet , please ? It's Sang Hung Enterprises , based in Kula Lump .   OK , just a moment ... yes , it has arrived . The amount is 51,998 US dollars net , 12 US dollars has been deducted by the intermediary bank .   That's as it should be . When will it be paid in and credited to our account ?   It's already credited to your account . 