In all this we have been greatly assisted by a fine Malaysian expert review team, who have brought both fresh ideas and a new stimulus to the continual process of adaptation to our changing market in banking and to the changing needs and  2  BIS Review 148/2007  perspectives of government.
We now have a flatter structure, sloughing off some of that cellulite, producing a faster more relevant response to the needs of our times and customers. We are seeing meetings more as means of resolving issues rather than just continually restating them.