Investment banks are permitted to undertake fund management and until trust activities comply with securities laws and guidelines issued by the SC. Regarding the banking activities of investment banks, deposit acceptance and lending are applied. For the deposit collection function, investment banks are allowed to mobilize deposits. But the minimum deposit they hold will increase from the current RM200,000 to RM500,000, which excludes repo agreements where the minimum transaction amount is RM50,000. Investment banks will also be interbank players. Investment banks should use the capital market to meet their financing needs, as international investment banks practice in the long term. On the other hand, investment banks' lending activities should be limited to those necessary for them to complement their fee-based activities and offer comprehensive investment banking packages to their clients. The commercial banking arm of the banking group is expected to provide loans with the aim of cultivating a relationship with customers so that they become paying customers in the future. Investment banks are authorized to provide equity margin financing facilities to their clients. Rules to resolve conflict of interest issues and ensure