Problem in adding a new business partner

hi all
           iam getting an error like "Bank account is missing",when i add a new business partner..i think iam missing any mandatory field..can anybody help me..i have posted my add BP coding in the last...
<?xml version="1.0" encoding="utf-8" ?>
- <env:Envelope xmlns:env="http://www.w3.org/2003/05/soap-envelope">
- <env:Body>
- <env:Fault>
- <env:Code>
  <env:Value>env:Receiver</env:Value>
- <env:Subcode>
  <env:Value>-5002</env:Value>
  </env:Subcode>
  </env:Code>
- <env:Reason>
  <env:Text xml:lang="en">Bank account is missing</env:Text>
  </env:Reason>
- <env:Detail>
  <Object>2</Object>
  <ObjectIndex>1</ObjectIndex>
  <Command>AddObject</Command>
  <SessionID>EE10Cu91-F252-CB47-58A6-9929L682316F</SessionID>
  </env:Detail>
  </env:Fault>
  </env:Body>
  </env:Envelope>
the coding for adding a new business partner is,,
<WebMethod()> Public Function QueryBP(ByVal SessionID As String, ByVal CardCode As String, ByVal CardName As String) As Xml.XmlDocument
        Dim DISnode As SBODI_Server.Node
        Dim strSOAPans, scmd As String
        Dim xmlDoc As Xml.XmlDocument
        xmlDoc = New Xml.XmlDocument
        DISnode = New SBODI_Server.Node
        sCmd = "<?xml version=""1.0"" encoding=""UTF-16""?> "
        sCmd += "<env:Envelope xmlns:env=""http://schemas.xmlsoap.org/soap/envelope/""> "
        sCmd += " <env:Header> "
        sCmd += "<SessionID>" & CStr(SessionID) & "</SessionID>"
        sCmd += " </env:Header> "
        sCmd += " <env:Body> "
        sCmd += "<dis:AddObject xmlns:dis=""http://www.sap.com/SBO/DIS"" > "
        sCmd += "<BOM>"
        sCmd += "<BO>"
        sCmd += "<AdmInfo>"
        scmd += "<Object>oBusinessPartners</Object> "
        scmd += "</AdmInfo> "
        scmd += "<QueryParams>"
        scmd += "<CardCode>" & CStr(CardCode) & "</CardCode>"
        scmd += "</QueryParams>"
        scmd += "<BusinessPartners>"
        scmd += "<row>"
        scmd += "<CardCode>" & CStr(CardCode) & "</CardCode>"
        scmd += "<CardName>" & CStr(CardName) & "</CardName>"
        scmd += "</row>"
        scmd += "</BusinessPartners>"
        sCmd += "</BO> "
        sCmd += "</BOM> "
        sCmd += "</dis:AddObject> "
        sCmd += " </env:Body> "
        sCmd += "</env:Envelope> "
        strSOAPans = DISnode.Interact(scmd)
        xmlDoc.LoadXml(strSOAPans)
        Return (RemoveEnv(xmlDoc))
    End Function

Hi michael,
                   Even if i declare like below it's showing the bank account is missing..
scmd += "<BusinessPartners>"
        scmd += "<row>"
        scmd += "<CardCode>" & CStr(CardCode) & "</CardCode>"
        scmd += "<CardName>" & CStr(CardName) & "</CardName>"
        scmd += "<BankCountry> </BankCountry>"
        scmd += "</row>"
        scmd += "</BusinessPartners>"

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