Vertical
1. the cognitive process of thinking about what you will do in the event of something happening
2. a statement of recent transactions and the resulting balance
3. money that is invested with an expectation of profit
8. giving advice
9. act or preside as chair, as of an academic department in a university
Horizontal
4. engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit etc.
5. the persons (or committees or departments etc.) who make up a body for the purpose of administering something
6. slang for a paunch
7. charge against a citizen's person or property or activity for the support of government
10. serving to set in motion
11. a commercial or industrial enterprise and the people who constitute it
12. government income due to taxation