-***************

Prints one digit, unless it is a leading zero 
to the left of the decimal 
point, 
in which case an 
asterisk (*) is printed. 
Trailing zeros to the right of the 
decimal point are printed.

SQL> WITH TEST AS
  2    (SELECT '12345' amount FROM dual UNION
  3     SELECT '12,345' FROM dual UNION
  4     SELECT '12,345.67' FROM dual
  5    )
  6  SELECT amount, LPAD(amount, 12, '*') result
  7  FROM TEST;

AMOUNT    RESULT
--------- ------------------------------
12,345    ******12,345
12,345.67 ***12,345.67
12345     *******12345

SQL>