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MALAYSIAN FINANCIAL SYSTEM STRUCTURE

MALAYSIAN FINANCIAL SYSTEM STRUCTURE Banking Institutions Non-Banking Financial Financial Markets Intermediaries Bank Islam Leasing BNM ROC SC Commercial Bank Factoring

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MALAYSIAN FINANCIAL SYSTEM STRUCTURE

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  1. MALAYSIAN FINANCIAL SYSTEM STRUCTURE Banking Institutions Non-Banking Financial Financial Markets Intermediaries Bank Islam Leasing BNM ROC SC Commercial Bank Factoring Finance Companies Development Fin.Inst. KLSE Merchant Banks Savings Institutions (Bursa Malaysia) Discount Houses Insurance Companies MDEX Foreign Bank Venture Capital Comp. (Bursa Derivative) Reps. Offices KWSP Tabung Haji Labuan Offshore Fin.Services Unit Trusts Money and Forex Property Trusts Malaysian Govt.Sec. Cagamas Private Debt Sec. Credit guarantee Corp. Rating Agencies

  2. Key trends reshaping banking & financial services today Service Proliferation Rising competition Government deregulation Interest-sensitive mix of funds Technological change and automation Consolidation and geographic expansion Convergence globalization

  3. Expanding menu of services New sources of revenue – service fee (fee income) 2. Rising competition To develop more services and to reduce operating cost 3. Government deregulation Loosening of control Freer and more competitive marketplace 1. Service Proliferation

  4. To earn higher and more flexible rates of returns on savings (adjustable) More sensitive to changing public preferences with regards to savings 5. Technological change and automation To reduce operating cost ATMs, cell phones, point of sales (POS) terminals, debit card 24 hours access More capital intensive, fixed cost industry and less labor intensive and variable cost industry 4. Interest-sensitive mix of funds

  5. Reaching into new and more distant market Branching activity to provide multiple offices Reduce the number and increase the size Resulted in a decline in employment in financial sector 7. Convergence Due to service proliferation and rivalry Movement of businesses across industry lines to broaden sales base 8. Globalization To compete more effectively and capture growing shares of global market for financial services 6. Consolidation and geographic expansion

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