There is a growing importance of intangible assets in the stock markets. Nowadays, banking is not a business of tradition. Technology and competition are the main factors of lending and investing innovation at the most successful financial institutions. Most banks were in practical advice and good business judgement. The main functions of banking and finance are money and capital market from within that is why the business is still ongoing. A home area of banking and finance is the consultancy industry. It ensures the service quality given to organisations across all sectors, it contributes significantly to the efficiency, productivity and wealth of the economy.