and better respond to customer needs. However, there is also more intense competition after fees were waived for transactions via banks’ digital banking channels. Banks therefore need to acquire more
fragile, others remained mired in uncertainty in terms of new modes of competition, a broader marketplace within the ASEAN Economic Community (AEC) and the digital age, along with external changes
products launched by some financial institutions as well as from auto-leasing. Meanwhile, demand for housing loans continued to decline after the implementation of the revised Loan-to-Value (LTV) measures
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