maybe it's good for you to at least have a look at bank negara's monthly highlights and statistics first. it's available at bank negara's website. have a look at the 2019 loans approved and disbursed so far. OPR was revised down back in May. bank's QR is also around the corner. globally, US-China trade war has been escalated again and next is the Japan-South Korea trade dispute which is escalating as well. always good to know the potential downside risk. Just my opinion and hope it helps.