𝐁𝐚𝐧 𝐇𝐢𝐧 𝐋𝐞𝐞 𝐁𝐚𝐧𝐤 or 𝗕𝗛𝗟 𝗕𝗮𝗻𝗸 was Penang's own homegrown bank which was swallowed up by Southern Bank as part of a financial industry-wide consolidation process in 2000. Southern Bank was in turn taken over by CIMB Bank in 2006. The question is, could BHL Bank had survived by itself within its own niche market into the 21st Century? Was consolidation necessary in the first place?
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