supervise and ensure fair treatment for retail and SME customers will pose a heightened challenge to banking performance. To cope with these issues, commercial banks may have to fine-tune their strategies

Stock Market The prospect of slower momentum in economic growth caused by various risk factors will pose a greater challenge for corporate performance in 2005. With rising oil prices and interest rates

fulfilling transparency requirements and to im- pose substantial sanctions for wrongdoing; (ii) clarifying and strengthening the duty of board members to act in the interest of the company and all of its