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5.0 REFERENCES

Editorial, i. (n.d.). Everything You Need To Know About Fixed Deposits In Malaysia. Retrieved from
iMoney: https://www.imoney.my/articles/what-is-fixed-deposit-how-do-fixed-deposits-work
Heakal, R. (2019, August 5). Forces That Causes Changes in Interest Rates. Retrieved from Investopedia:
https://www.investopedia.com/insights/forces-behind-interest-rates/

Johnston, K. (n.d.). How to Improve a Return on Total Assets. Retrieved from Chron:
https://smallbusiness.chron.com/improve-return-total-assets-56271.html

Khasawneh, A. Y. (2014, March 19). What could be a possible interpretation of having negative effect of
loans to total assets ratio on bank risks? Retrieved from ResearchGate:
https://www.researchgate.net/post/What_could_be_a_possible_interpretation_of_having_neg
ative_effect_of_loans_to_total_assets_ratio_on_bank_risks

Letter of Credit (LC). (n.d.). Retrieved from Malayan Banking Berhad:
https://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do?channelId=BBSM
E-Trade&cntTypeId=0&cntKey=BBSME-Trade_IMP-LC&programId=BBSME-
Trade_Import1&chCatId=/mbb/BBSME/BBSME-Trade

Letters of credit. (n.d.). Retrieved from nibusinessinfo.co.uk:
https://www.nibusinessinfo.co.uk/content/advantages-and-disadvantages-letters-credit
PIDM Brochure. (n.d.). Retrieved from maybank2u:
https://www.maybank2u.com.my/WebBank/PIDM_brochure.pdf

Sigbj. (2012, November 28). The declining deposit to loan ratio - What can the banks do? Retrieved from
ResearchGate:
https://www.researchgate.net/publication/258283509_The_declining_deposit_to_loan_ratio_-
_What_can_the_banks_do

Team, B. E. (2020, March 31). Savings Account Advantages and Disadvantages. Retrieved from
Banks.com: https://www.banks.com/articles/banking/savings-accounts/savings-accounts-
advantages-disadvantages/

Tsegaye, A. (2018, November 14). The impact of interest rate spread on the banking system efficiency in
South Africa. Retrieved from Taylor&Francis:
https://www.tandfonline.com/doi/full/10.1080/23322039.2018.1546417

Wathen, J. (2015, January 21). 5 Ways to Improve Return on Equity. Retrieved from The Motley Fool:
https://www.fool.com/amp/investing/general/2015/01/21/5-ways-to-improve-return-on-
equity.aspx
What is Capital Adequacy Ratio for banks? (2019, December 26). Retrieved from ETMarkets:
https://economictimes.indiatimes.com/markets/stocks/news/what-is-capital-adequacy-ratio-
for-banks/articleshow/72979397.cms?from=mdr

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