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In my opinion, since the period from January 25 to February 25 contain 31 days, whereas the period from February 25 to March 25 only have 29 days, the amount of second interest is less than in January. Because the interest on fixed deposits is calculated based on the number of days, the second interest is lower than the first. Even though the deposit amount has already been increased by the previous interest and the interest rate has increased in the second month, the deposit's maturity period will have an overall impact.

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Greetings to all. Today's lesson can be found in the video lecture: If I had to convey today's lesson to a friend, I would tell him or her that in the Malaysian financial system, commercial banks are the largest and most significant sources of funds. The Bank Negara Malaysia has granted them permission to operate under the Financial Services Act (FSA) of 2013. Accepting deposits, giving loans and advances, trading finance facilities, treasury services, cross-border payments, and custodial services are just some of the services they give to their retail customers. In the commercial banking industry of Malaysia, I discovered that there are nine large domestic banks and thirteen international banks. Local commercial banks include Maybank, Public Bank, and CIMB Bank, as well as Citibank, OCBC Bank, and HSBC. In Malaysia, foreign-owned banks such as Standard Chartered Bank are examples. Aside from that, commercial banks have specific characteristics that allow them to offer products to small and medium-sized firms, despite being mass market-driven. They offer physical (ATM) and online (internet and mobile banking) banking services. Furthermore, while the organizational structure of commercial banks is complex, the basic structure of commercial banks includes commercial retail banking, corporate banking, treasury/investment, and banking support. The structure varies as a result of the various requests of the clients, which are detailed in detail in the movie.

Thank you very much for your time and consideration.

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In my point of view, I strongly believe that the expansion of commercial banks operates entirely online, requiring all transactions with the bank to be completed via electronic means. The huge reduction in operational expenses is the impact of digital banking on commercial banks. Automated applications and processes have reduced the likelihood of error and enabled efficient results at a lesser cost by eliminating superfluous labour and effort. Furthermore, artificial intelligence (AI) is redefining automation possibilities while preserving the authenticity of back-end procedures. Because these banks do not have physical facilities, they can provide a greater range of products and services to their consumers at a cheaper cost or none at all.

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Operational specialized risk unit is the supervision department that related to the checking and auditing of the banking institutions in Malaysia.

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When Bank Islam engages in such initiatives, they will reap a slew of rewards. This initiative is part of Bank Islam's public-facing corporate social responsibility (CSR). Bank Islam stands to get a lot of benefits from this action, since it allows them to indirectly market their firm in front of the public. Instead of providing a little donation to the public, this can assist them spread the word about their company's organisation to a large number of people. Furthermore, Bank Islam will gain a positive public image, which will encourage people to use their services. As a result, they will have a great possibility of attracting new clients to their business. Besides that, this event is organised by Bank Islam to assist those who require assistance to continue their lives. This is an example of a contribution to society. By doing so, Bank Islam will be able to benefit from the promotion of their names in the social media, attracting more individuals to make deposits, loans, and other transactions with Bank Islam.