11.   At present, smaller Malaysian banks appear to have weaker assetliability management systems.

12.   Awang acknowledged that the Malaysian banks are more exposed to the Asian economic turbulence than the foreign-owned operations in Labuan.

13.   But he said it was possible that terrorists might have used Malaysian banks in the past, and they would have already closed their accounts.

14.   But people take the money out from Malaysian banks and put it in foreign banks.

15.   Consider, however, the advice by others that Malaysian banks and companies should not rush to accept the euro.

16.   Daim has said last Wednesday that if Malaysian banks continue to be unnecessarily strict in their lending, stagnant growth can be expected.

17.   FOREIGN investors have expressed interest in merger and acquisition possibilities in Malaysian banks and telecommunication companies, says a global management consultant.

18.   Fornow, the more staid Malaysian bank will have to undergo a total mindshift.

19.   He is head of audit for an established Malaysian bank.

20.   He said two Malaysian banks, Public Bank Ltd and Malayan Banking Ltd., had already opened their representative officers in China.