TITLE : BANKING AND YOU.

I have written this book as a comprehensive guide to the Malaysian banking industry, describing in detail all the relevant aspects of banking from my many years of banking experience.

This book is written for non-expert professionals, laymen and everyone in the business, financial and investment world, providing authoritative information on banking and finance. The main objective is to provide practical advice, explaining how complex financial instruments work in actuality and what goes on in the banking industry in clear, non-technical and simple Language.

In Banking & You, every chapter varies in length and approach depending on the subject covered. The length of each chapter is determined by the complexity of the subject. Practical examples and numerous cases are cited to bring clarity to complicated topics.

This book provides the reader with essential knowledge of the workings of the banking world and teachcs the reader to use the services available to the maximum. It is designed to be a practical and contemporary book on the workings of the Malaysian Banking Industry.

Many people encouraged me to write this book and have given me moral support, constructive criticisms and suggestions. To my family, I must thank them for their understanding and support during the preparation of this book.

As the author of this book, I must bear responsibility for all the comments and views expressed therein and I apologize for any shortcomings that may arise.

December 1990 Johnson Pang