Banks are more than just vaults for savings or gateways to loans, they’re the lifeblood of a modern economy. But how do we measure their efficiency? What role do monetary policies play in shaping performance? And how should Malaysia’s banks evolve to stay competitive, especially with the rise of digital banks and fintech?

In this episode of Enterprise Explores, we speak with Dr. Chan Sok Gee, Associate Professor at the University of Nottingham Malaysia, to unpack the economics of banking and what it means for Malaysia’s financial future. We explore:

• The true economic functions of banks beyond deposits and loans

• How OPR changes influence bank profitability and lending

• Why banking efficiency matters and how it’s measured

• Malaysia’s post-Asian Financial Crisis reforms and strengths

• The risks of rising NPLs and poor internal governance

• How digital banks could improve financial inclusion and SME access

• The disruptive potential of AI, blockchain, and behavioral data

Whether you’re in finance, tech, or business leadership, this episode will help you better understand the shifts reshaping our banking landscape.

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