In a dual banking system like Malaysia, most banking services and facilities offered via windows or subsidiaries are shared within the group. This practice may generally be advantageous to the group as a whole, but at a micro level it could potentially pose certain conflicts to the Islamic entities, for instance marketing and promoting Islamic products and services. (a) Discuss issues relating to marketing and distribution of Islamic banking products through conventional banking channels for subsidiaries or windows. (16 marks) (b) State three (3) examples. (9 marks)