Bank Simpanan Nasional, set up by an Act of Parliament in 1974, continues with the social objective of raising savings rates and savings awareness among schoolchildren and the young. A system of registered banking agents has also been launched for a few years to bring banking services to rural areas. These created a win-win situation which allowed BSN to raise deposits cheaply, fulfil social objectives and bring customer traffic to these agents.

But in a very competitive banking landscape, is this enough?

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