11.   The combined bank intends to cut its fixed costs to make itself more competitive.

12.   The Telegraph report said a statement on Monday would say the two banks intended to merge their retail banking businesses.

13.   Apichai said the bank also intends to unveil its plans for other banks who have similar computer systems to help them work on the problem.

14.   Even so, HSBC spokesman Kathleen Rizzo Young said Wednesday that the bank did not intend to change its position.

15.   He said Hong Kong banks intend to spread their businesses to unsecured loan markets such as credit cards and personal loans.

16.   HongkongBank Australia chief executive Chris Crook said the bank intends to open another five or six branches over the next two to three years.

17.   In Osaka, Daiwa President Takashi Kaiho told reporters the bank had never intended to improperly conceal information.

18.   It was not clear how the bank intended to do it.

19.   Sahas said the bank had intended to contact Kamphol on Monday, but he came to the bank first.

20.   The bank also intends to invest in Polish equities.