Chapters I-VI traced the history of Ban Hin Lee Bank from pre-1935 till mid-2000. Meanwhile, Chapters VII-X were more specific. For example, Chapter VII gave coverage on the Singapore branch of the banking business. A lot of fascinating details about the war years were uncovered, dealing not only about the bank but also life in general in Singapore and by extension, in Penang too as the situations in these two British settlements were somewhat not dissimilar. Chapter VIII discussed the use of technology in the bank from the 1980s. Chapter IX touched on the financial services that BHL Bank went into, in particular Unit Trust Investments and Wealth Distribution. Meanwhile, Chapter X rounded up the chapters by tracing the progression of the Board of Directors through the decades. For the first time, some light was shed on the external forces attempting to take control of the bank in the 1990s.
At first, the Appendices numbered five but they increased to seven subsequently when I decided to include the Financial Highlights for the 1990s (initially part of Chapter V) and the excellent reminiscences by the late Mr Ong Chin Seng that had appeared in an early bank newsletter.
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