Read the case carefully and answer the questions In August 1975, Bank X was established in Malaysia. Being the sixth biggest banking group in Malaysia, it comprises of Bank Y and its subsidiaries Bank A, Bank B, Bank C, Bank D and Bank E. This group of bank offers a wide range of investment banking, commercial banking, retail financing, and related financial services, which includes Islamic banking, underwriting of general and life insurance, stock, share and futures broking, investment advisory as well as asset, property and unit trust management. The core philosophy of Bank X incorporates a deep-seated commitment to the satisfaction of its broad range of customers, with numerous customer-driven initiatives woven into all configurations of communication and interaction with all client groups. The G