@Artur ************
Yes but 500K is all you need. You need to set aside those funds for the visa. Otherwise, what you are saying is that Penang is looking for those with say 700K, of which 200K is to be spent.
I would think any statement showing an end balance of 500K but with regular transactions is enough.
I was also under the impression that Malaysia required 500K to be parked there for a period of time, and not just recently deposited (which is similar to Laos).
In any case, I won't be going to Malaysia to apply. They seem to be the strictest. Laos is fine, but they're looking for funds to be parked for 3 months.