MANAGEMENT TEAM PROFILES · !nancial accounting, !nancial management and information technology. Ee...

AFFIN BANK BERHAD (25046-T) 19Annual Report 2013

En. Amirudin Bin Abdul HalimDirector, Business Banking

En. Amirudin Bin Abdul Halim joined Af!n Bank Berhad as Director, Business Banking in July

2009. Prior to AFFINBANK, Amirudin was at a leading local bank for more than 21 years where he

gained extensive banking experience in Branch Operations, Credit Control, Business Banking,

Retail Marketing, Consumer Banking and Corporate Services. He has served in several senior

strategic roles, including Deputy Head of Business Banking Division, Head of Mortgage and

Automobile Financing and as the Deputy Chief Executive Of!cer of a subsidiary of a leading local

bank. Amirudin graduated with a Bachelor of Arts degree in Finance from St. Louis University in

1986.

Mr. Ee Kok SinChief Financial Officer

Mr. Ee Kok Sin joined Af!n Bank Berhad in 2005 as the Chief Financial Of!cer. Prior to his

appointment at AFFINBANK, Ee was the General Manager of Finance & Services at Pengurusan

Danaharta Nasional Berhad. Ee began his career in 1982 as a Trainee Accountant with a !rm of

Chartered Accountants in London. He has extensive experience in auditing, treasury functions,

!nancial accounting, !nancial management and information technology. Ee is a fellow Member of

the Association of the Chartered Certi!ed Accountants (ACCA) and a member of The Malaysian

Institute of Certi!ed Public Accountants (MICPA) and Malaysian Institute of Accountants (MIA).

MANAGEMENT TEAM PROFILES

Mr. Tan Kok ToonDirector, Treasury

Mr. Tan Kok Toon joined Af!n Bank Berhad as its Head of Treasury in October 2004 and is

responsible for managing all aspects of Treasury Division. He is currently the Honorary Secretary

of Persatuan Pasaran Kewangan Malaysia (Association Cambiste Internationale) and Chair to

the Seminar and Education Committee. Prior to AFFINBANK, Tan was with a leading bank in

Malaysia. Tan has more than 20 years banking experience, particularly in Treasury Operations. He

has served as Treasury Manager with the New York Branch, and was Treasury Business Advisor

to turn around a business project in the Philippines. Tan graduated from University Malaya in

1987 with a Bachelor of Science degree (honours) in Mathematics.

AFFIN BANK BERHAD (25046-T)20 Annual Report 2013


Pn. Nor Rozita Binti NordinChief Human Resource Officer

Pn. Nor Rozita Binti Nordin was appointed as Chief Human Resource Of!cer of Af!n Bank

Berhad in May 2011. Prior to joining AFFINBANK, Rozita was Executive Vice-President and Head

of Group Human Resources at a local banking group. Rozita has more than 30 years’ experience

in Human Resource Development and Customer Relations Strategy, in various industries which

include banking, oil and gas, manufacturing, retail, and shared services. Rozita has taken on

strategic and operational roles, both locally and abroad. Rozita graduated from Southern illinois

University with a Master of Science degree in 1984, a Bachelor of Science in Education and a

Bachelor of Arts degree in Linguistics, both in 1982.

Mr. Kasinathan T.KasipillaiGroup Chief Risk Officer

Mr. Kasinathan T. Kasipillai joined Af!n Bank Berhad in 2005 as its Chief Risk Of!cer. Kasinathan

has more than 35 years of local and overseas banking experience particularly in the areas of Risk

Management. He comes from a foreign bank background working in the risk function serving in a

number of countries including London, Singapore, Hong Kong, Mumbai and Jakarta. Kasinathan

holds a Masters in Business Administration from the University of Bath, UK and is a Certi!ed

Risk Professional awarded by Bank Administration Institute, Chicago, USA. Kasinathan is also an

Associate Fellow of Institute of Bankers Malaysia, and continues to serve as an active member

of CCP Examination Committee.

Pn. Khatimah Binti MahadiGroup Chief Internal Auditor

Pn. Khatimah Binti Mahadi joined Af!n Bank Berhad as Chief internal Auditor in 2004. Khatimah

has more than 30 years of experience in Internal Auditing. She has led the Audit and Compliance

function in a number of large local and foreign !nancial institutions. Khatimah graduated with a

Diploma in Accountancy from UITM in 1978.



Puan Nimma Sa!ra Binti KhalidHead, Legal & Secretarial

Puan Nimma Sa!ra Binti Khalid is the Head, Legal & Secretarial/Company Secretary of Af!n Bank

Berhad, a position she has held since 2005. Nimma joined AFFINBANK in 2001 as Manager, Legal

& Secretarial. She was subsequently assigned to the President/CEO’s of!ce as the Executive

Assistant from 2003 to 2005. Nimma started her career of 20 years as an Advocate & Solicitor of

the High Court of Malaya in 1994. She then moved in-house as Legal Of!cer/Company Secretary

of a commercial bank from 1995 to 2000. Nimma graduated with Bachelor of Laws in 1992 and

Bachelor of Laws (Shariah) in 1993; both from the International Islamic University, Malaysia.

En. Nazlee Bin KhalifahChief Corporate Strategist

En. Nazlee Bin Khalifah joined Af!n Bank Berhad in February 2009 as Head of Business Strategy

and Support, Business Banking Division. Subsequently, in April 2011, Nazlee was appointed as

Chief Corporate Strategist. Nazlee has more than 20 years’ experience in the banking industry.

Prior to joining AFFINBANK, Nazlee was with a leading local bank for 17 years in various

capacities, mostly in Strategic Management positions. Nazlee graduated from Simon Fraser

University in Vancouver in 1991, with a Bachelor degree in Business Administration, majoring in

Accounting and Finance.

Mr. Ramanathan RajooHead, Finance

Ramanathan Rajoo began his career in 1988 as an audit trainee with Coopers & Lybrand before

joining Af!n Bank Berhad in 1991. He has held various positions within the Finance Division

before being appointed to his current position in 2003. He has more than 25 years of extensive

working experience in auditing, !nancial accounting and !nancial management. He holds a

Master degree from University Putra Malaysia, Bachelor of Accounting degree from the National

University of Malaysia and Certi!ed Credit Professional from Institute Bank Bank Malaysia. He

is a member of the Certi!ed Practising Accountants, Australia (CPA) and Malaysian Institute of

Accountants (MIA).

En. Idris Bin Abd HamidDirector, Consumer Banking

En. Idris Bin Abd Hamid is the Director of Consumer Banking, a position he has held since May

2009. Idris began his career with Af!n Bank Berhad in 1994 as General Manager of Af!n Finance

Berhad. He was appointed as Deputy Chief Executive Of!cer for Af!n-ACF Finance Berhad from

2000 to 2005. Idris has over 30 years of experience in the banking industry, which includes

exposure as Branch Manager, and in Corporate and Consumer Loans Management. Idris

graduated with a Master in Business Administration from the University of Northern Colorado

in 1984.


CHAIRMAN’S

STATEMENT

Jen. Tan Sri Dato’ Seri Ismail Bin Hj. Omar (Bersara)Chairman

“

”

In 2013, the Bank registered

an 8.4% increase in its profit

before zakat and taxation,

which amounted to

RM762.2 million.


CHAIRMAN’S STATEMENT

Dear Shareholders,

I am pleased to report that AFFINBANK

registered another year of robust growth

in the !nancial year 2013. Although

the general consensus was that 2013

proved to be a competitive operating

environment for the banking industry as a

whole, AFFINBANK remained focused in

developing our strengths and continued

to perform well.

For the year under review, AFFINBANK

continued to record a steady increase

in revenues and earnings. In 2013, the

Bank registered an 8.4% increase in its

pro!t before zakat and taxation, which

amounted to RM762.2 million.

This year, we launched several new

products, services and campaigns that

boosted our revenue. AFFINBANK’s

business operations and market

presence also continued to thrive as a

result of these new initiatives with growth

in deposits by 11.7% while loans and

advances grew by 8.0%.

The Bank continued to place its brand

in the market and enhance accessibility

by expanding our network of branches.

Three new branches were opened in 2013

and as at December 2013, AFFINBANK

has 103 branches nationwide in Malaysia

to serve our customers better.

Risk Management, Operational and IT

improvements continued throughout

the year as these initiatives are crucial

in supporting the business. New Human

Capital Development initiatives were

carried out to ensure the Bank has a

team of professionals with the correct

skill sets and the right experiences to

serve our customers.

The pride of AFFINBANK stems not only

from our !scal achievements and success

but is also based on what we give back

towards the community. Our Corporate

Social Responsibility (CSR) is something

that we place great importance on and

the Bank reinforced its commitment to

society and their well-being through

various donations, outreach programs

and educational initiatives.

In 2013, two Blood Donation Drives

were organized at AFFINBANK’s Head

Of!ce where over 300 staff volunteered

and donated blood. This CSR initiative

provides a platform for the Bank’s staff

to participate and instills the culture and

spirit of caring within the workplace.

During the various festivities throughout

the year, AFFINBANK reached out to the

community through various activities. In

conjunction with Chinese New Year this

year, AFFINBANK visited the Ampang

Old Folks Home, where residents were

treated to lunch, money packets (“ang

pow”) and donation of a variety of

dry food. During Ramadan, the Bank

organised a scrumptious “Buka Puasa”

dinner for approximately 130 orphans

from selected orphanages and 30 new

Muslim converts from Pertubuhan

Kebajikan Islam Malaysia (PERKIM).

This is an annual event where the Board

of Directors and senior management of

the Bank will attend to host the dinner

and get to know the orphans and other

guests on a more personal level. Besides

dinner, the guests were delighted to

receive “Duit Raya” to add to the festive

celebration mood.

Being a part of the LTAT (Lembaga Tabung

Angkatan Tentera), which is a corporation

with the key objective of providing

maximum returns to non-pensionable

members of the Armed Forces as well

as other welfare bene!ts to members of

the Armed Forces as a whole, the Bank

channels many of its CSR activities

to the same cause. In 2013, several

contributions were made by the Bank

for the welfare of the Malaysian Armed

Forces, i.e. RM160,000 sponsorship to

the communication activities of Tabung

Hari Pahlawan; RM100,000 worth of Hari

Raya gift packages to the Welfare Fund

of the Malaysian Armed Forces; and our

yearly contribution of RM1 million to the

Contribution of RM100,000 worth of Hari Raya gift packages to the Welfare Fund of the Malaysian

Armed Forces.


Yayasan Warisan Perajurit, a foundation

established with LTAT to raise funds

to provide scholarships and education

assistance to the children of retired

Malaysian Armed Forces and those

currently in service.

Our educational initiatives this year not

only brought about new endeavours but

also continued with existing projects

from previous years. A new CSR initiative

in 2013 was AFFINBANK’s sponsorship

of RM50,000 worth of sports equipment

to selected schools, in support of the

“1Murid 1Sukan” policy, implemented

by the Sports Division in the Ministry of

Education. This program aims to provide

deserving students with the opportunity

to further develop their talent and

potential, and gain higher achievements

in sports.

AFFINBANK also continued to

sponsor the TrEES “Young Voices for

Conservation” Programme for the 3rd

Year, a program that educates the young

on environment conservation. The Bank

also !nds this program to be effective

in developing youths to be more “well

rounded” individuals with multiple skills

in the future.

This year, the Bank once again presented

awards to 107 deserving students via

the Af!n Education Excellence Award.

Our Af!n Education Excellence Award

is in its 10th year, and as of last year, a

total of RM1.5 million in cash awards

had been presented to more than 500

deserving students.

We continued to sponsor and support

BHPetrol’s TV Programme on RTM1

called “Di Celah-Celah Kehidupan” that

features selected Malaysians who are in

need of help and assistance. AFFINBANK

provided a convenient platform for cash

donations sent by the public to the

recipients, who also received RM1,000

each from the Bank.

During the year under review,

AFFINBANK and AFFIN ISLAMIC

collaborated to provide RM20,000 worth

of essential items for the "ood victims in

Kuantan. The Bank decided to extend a

helping hand to aid these victims who

suffered great losses. With the help of

the Malaysian Armed Forces, the goods

were distributed to the evacuees at all

"ood relief centres in Kuantan, Pahang.

The Bank continues to remain optimistic

for the year ahead, as we target to grow in

our core business and remain competitive

in the industry. New products/services

and initiatives will be launched so that we

can enhance our proposition to existing

customers, and acquire new business

relationship. We will reinforce the Bank’s

branding presence by increasing our

network of branches and improving

existing branches. All these will be made

possible with a team focused towards

achieving one common corporate

objective.

Sponsorship of sports equipment to selected schools in support of the “1Murid 1Sukan” policy.


AFFINBANK sponsors TrEES Programme for the 3rd

consecutive year.

Majlis Berbuka Puasa with orphans and new Muslim

converts at Menara Affin.


Colouring contest winners at Jom Karnival, Lahad Datu Branch.

Chinese New Year visit to Ampang Old Folks Home. New branch at Danga Bay, Johor.

BRANCHES NATIONWIDE IN

MALAYSIA


PROFIT BEFORE ZAKAT & TAXATION GROWTH

8.4%

103

At this juncture, I would like to extend my deep appreciation to the Board of Directors,

Management team and every staff at AFFINBANK. It is your dedication and hard work

that has produced the results we have achieved thus far. I would also like to urge

the Management team and staff to continue relying on the enduring power of great

teamwork to achieve our corporate goals.

I encourage each staff to always exhibit prudence and professionalism when working

with our customers, and become the embodiment of a responsible banker. The Bank’s

Corporate Values will dictate our actions at work so that we are continually delivering

great service and meeting the needs of our customers by truly providing “Banking

without Barriers”.

Jen. Tan Sri Dato’ Seri Ismail Bin Haji Omar (Bersara) Chairman


Our pro!t after zakat and taxation this

year escalated by 8.5% to RM569.8

million, from RM525.3 million in 2012.

AFFINBANK’s total assets achieved

a growth of 8.3% to RM56.4 billion,

compared to RM52.1 billion in the

previous !nancial year. Our Return-on-

Equity (ROE) after tax was recorded at

13.8%, while the Cost-to-Income ratio

improved to 44.5% from 45.2%.

The Bank’s total deposits continued to

"ourish in 2013 with an increase of 11.7%

to RM46.1 billion, compared to RM41.3

billion in 2012. Net interest income also

grew to RM813.1 million from RM788.7

million recorded in 2012, while gross

loans and advances added by 8.0%

in 2013. AFFINBANK succeeded in

maintaining asset quality with a lower

net impaired loan ratio of 0.9% in 2013,

compared to 1.1% in 2012. During the

year under review, the Bank continued to

remain vigilant to the economic signals.

The emphasis is on pro-active account

management to ensure that our assets

remain healthy.

PERFORMANCE

REVIEW

Over the last six years, AFFINBANK has been reporting steady growth in revenues and earnings. The Bank recorded a string of profits and increased returns in several areas. In 2013, this trend continued with a profit before zakat and taxation of RM762.2 million, which is an 8.4% increase from the year before.

Business Initiatives

AFFINBANK started the year with

the Chinese New Year Triple Fortune

Promotion, a deposit campaign that

allowed customers to enjoy higher

interest rates on their deposits and a

chance to win a limited edition gold

plated art.

The AFFIN Junior Saver (a children’s

savings account) was re-launched this

year with a new look and savings contest

for young account holders to win cool

IT gadgets and cash prizes. The fourth

OMG campaign, called “The Invasion of

the OMG”, was launched in April 2013

and generated double-digit growth in

retail deposits, and over 100,000 new

accounts compared to previous years.

AFFINBANK partnered with AXA Af!n

Life Insurance to provide a high interest

rate of up to 5.0% for a 12-month

Fixed Deposit placement with AXA’s life

insurance plan, called the Smart Income

Saver (SIS). This FD-SIS Combo Plan

allowed customers to enjoy the bene!t

of insurance protection with high interest

rate and guaranteed cash income.Re-launch of AFFIN Junior Saver for young

account holders.

RETURN-ON-EQUITY (ROE AFTER TAX)

GROSS LOANS/ADVANCES GROWTH

TOTAL DEPOSITS GROWTH

13.8%

8.0%

11.7%


PERFORMANCE REVIEW

Another product bundling initiative was

the “Spend, Save & Win” campaign that

was packaged to reward customers

with a combined product holding of

deposit accounts, debit and credit cards.

Customers who maintain a minimum

average balance in their deposit

accounts, as well as those who spend on

their debit and credit card, were rewarded

with monthly prizes and a Grand Prize of

a KIA Rio 1.4SX.

High-end auto !nancing and mortgage

continued to be key components of our

loan growth this year. During the year

under review, our online banking platform

was successfully upgraded, whilst we

targeted new merchants, implemented a

more ef!cient cash management service,

and improved our transaction banking

facilities for SME customers.

AFFINBANK also jointly organized

the “Experience IBG” road show with

Bank Negara Malaysia, the Association

of Banks in Malaysia (ABM), and the

Association of Islamic Banking Institutions

Malaysia (AIBIM). This 6-month road

show (October 2013 until March 2014)

will cover 12 major towns nationwide and

aims to create awareness among small

businesses about online banking and the

convenience of Interbank GIRO (IBG).

Operational Highlights

One of the key tactical moves to enhance

our branding image in 2013 was through

network expansion. Three new branches

were opened in key strategic locations

in Kota Kemuning (Selangor), Danga

Bay (Johor) and Lahad Datu (Sabah)

to enhance our visibility in these vital

locations and to improve accessibility

of the Bank for our customers. We

also relocated our Kuantan branch to

a brand new premise with the intention

of providing better customer service

through a modern interior and enhanced

infrastructure.

As always, IT and Operational Process

initiatives were implemented within

the year to boost our progress and

development. To enhance our loan

capturing and processes across all

businesses, we launched the Phase 2

enhancement to the Loan Origination

System. The Bank also recalibrated the

Consumer Credit Score Card System

to improve our asset quality and the

predictive capability of credit scoring.

During the year, AFFINBANK

implemented a New Statistical Reporting

System (NSRS) with a standardised

reporting framework and infrastructure

for data submission. We moved in

this direction to support Bank Negara

Malaysia’s (BNM) initiative to improve

statistical reporting by !nancial

institutions and data management. There

is much relevance and bene!t to this

new system of reporting as it increases

timeliness and enhances the integrity of

the statistics.

We are also proud to announce that

AFFINBANK is one of the premier banks

in the industry to have increased

frequency in the payment processing

of IBG transactions. This will result in

faster IBG payments and also encourage

customers to frequently use this mode of

payment. We are pleased to do our part

to support the BNM’s initiative to promote

electronic fund transfer payments.

Risk Management Initiatives

In 2013, we applied several key

measures to facilitate AFFINBANK’s risk

management initiatives. As we adhered

to the BNM’s guideline on Risk-Weighted

Capital Adequacy Framework - Internal

Capital Adequacy Assessment Process

(Pillar 2), the Group maintained a robust

ICAAP Framework to assess capital

adequacy.

Grand Prize winners for “The Invasion of the OMG” campaign.


PERFORMANCE REVIEW

At the start of the year, the Bank

embarked on Basel III, which introduced

new capital rules that included leverage

ratio and liquidity standards, with

phased-in arrangements. We are enroute

to full compliance by 2019. To date, the

Bank has ful!lled the quarterly reporting

requirement to BNM for the current

Observation Period (starting June 2012),

with regard to our leverage and liquidity

positions.

We have also been conducting periodic

industry studies and portfolio reviews

on the economic and regulatory

environment. In light of this, Group

Risk Management (GRM) closely tracks

unfolding events and adopts appropriate

measures to protect the Bank’s risk

position. To further strengthen our risk

culture, GRM conducted several internal

risk programs in 2013 to enhance the

knowledge and skill sets of our of!cers.

These included workshops that are

relevant to credit and operational risk

management, credit clinics focusing on

live case studies and assessments for

Internal Certi!cation in all three key areas

of risk - Credit, Operations and Market.

The Bank was steadfast in managing

and monitoring our loan, and credit

portfolios more ef!ciently in 2013. We

made certain that our focus was on

booking quality assets. AFFINBANK has

adopted prudent underwriting standards,

maintained a proactive approach to

account management, and employed

strict control and monitoring of all

account portfolios.

Human Resources Development

Our Human Resources division also

implemented several key initiatives in

2013 for human capital development.

In May 2013, a Memorandum of

Understanding (MoU) was signed with

the Institute of Bankers Malaysia (IBBM)

to enrol and sponsor our staff into The

Chartered Banker Program. This is a

recognized professional certi!cation

that addresses vital areas of !nance and

banking, and will prove to be a signi!cant

advantage for our staff. This initiative

is part of the Bank’s “Upward Mobility

Program: Empowering Employees to

Grow” to equip staff to become leaders

at the forefront of the banking and !nance

industry. It will also undoubtedly provide

them with the recognition necessary to

ful!l their role in the Bank.

The Af!n Management Programme

(AMP) recruited our 8th batch of AMP

trainees this year. This program is part of

the Bank’s Human Capital Development

Plan and the Young Talent Management

Programme, which aims to develop and

support the banking career of young

talents through engaging activities and

competency programs. To-date, a total

of 118 trainees have participated in this

program.

Throughout 2013, the Bank also

participated in the Skim Latihan 1Malaysia

(SL1M) program, which was established

by the Economic Planning Unit (EPU)

of Prime Minister’s Department in 2011.

One of the reasons that AFFINBANK is

committed to this program is its ability to

increase the employability of Malaysian

graduates, particularly those from rural

areas and low-income families. Through

this initiative, young graduates possess

a higher potential to secure employment

through extensive classroom and on-the-

job training. AFFINBANK was recognised

by the Minister in the Prime Minister’s

Department, Dato’ Seri Wahid Omar,

for its exemplary contribution to the

program.

This year, we further extended our

focus on developing strong talents

and leadership among our employees.

Various training programs were

conducted throughout 2013 on sectors

such as branch operations, marketing/

account relationship management and

soft-skills development, including online

learning program covering subjects in

areas on risk management and Islamic

banking.

Outlook and Prospects

Building on 2013 performance, we

have set a few goals for 2014. We are

projecting a loans growth between 8% to

10% and targeting deposits growth of a

minimum of 10%. AFFINBANK has also

set a target for key ratios to be at par or

above the industry average. The Bank

will continue to enhance its customer

touch point by expanding its network

of branches, Business Loans Centres

as well as off-branch ATMs. We are also

continuously exploring potential Merger

& Acquisition (M&A) opportunity, both

domestic and abroad, to expand our

presence.


FINANCIAL

HIGHLIGHTS

Earnings Per Share (EPS)(Sen)

Profit Before Zakat And Taxation (RM’million)

Total Assets(RM’billion)

Net Loans, Advances & Financing (RM’billion)

Deposits From Customers(RM’billion)

Shareholders’ Equity (RM’billion)

AFFINBANK’s EPS for the !nancial year

ended 31 December 2013 stood at

37.5 sen compared to 35.0 sen the year

before.

AFFINBANK’s net loans, advances and

!nancing grew by 8.2% to RM36.2 billion

compared to RM33.5 billion in 2012.

AFFINBANK achieved pro!t before zakat

and taxation of RM762.2 million, an 8.4%

rise for the year ended 31 December

2013, compared to RM703.2 million in

2012. AFFINBANK’s pro!t after zakat and

taxation also rose by 8.5% to RM569.8

million for the year ended 31 December

2013.

Total deposits increased by 11.7%

year-on-year to RM46.1 billion as at 31

December 2013 compared to RM41.3

billion in the year before.

AFFINBANK’s !nancial position as at

31 December 2013 continued to remain

strong with total assets of RM56.4 billion,

an increase of 8.3% compared with

RM52.1 billion as at 31 December 2012.

Total shareholders’ equity of AFFINBANK

is RM4.4 billion as at 31 December 2013

compared to RM4.1 billion in 2012.

09 10 11 12 13

09 10 11 12 13

09 10 11 12 13

09 10 11 12 13

09 10 11 12 13

22.1 26.5 30.6 35.0 37.5

22.0 26.0 29.7 33.5 36.2

425.1 521.9 613.1 703.2 762.2

26.4 31.0 36.5 41.3 46.1

35.6 42.1 49.2 52.1 56.4

09 10 11 12 13

3.0 3.3 3.6 4.1 4.4


CORPORATE

DIARY

The “OMG The Trilogy” Prize Giving Ceremony

The winner of the “OMG The Trilogy” deposit campaign walked away with gold worth RM333,888.

8 January 2013

Personalised Banking Cocktail Event 2013

Valued customers of the Bank were rewarded with an evening of great food and entertainment at this yearly event.

17 April 2013

CNY CSR Activity – Visit to Ampang Old Folks Home

AFFINBANK visited and brought cheers to senior residents at the Ampang Old Folks Home during the Chinese New Year celebration.

18 February 2013

The Chartered Bankers Programme MOU Signing Ceremony with IBBM

In a bid to develop top notch bankers, the Bank signed a MOU with IBBM to sponsor and enroll its employees for the Chartered Bankers Programme.

30 May 2013

Langkawi International Maritime and Aerospace Exhibition

AFFINBANK sponsored the Langkawi International Maritime and Aerospace Exhibition as the Of!cial Bank & Foreign Exchange Counter.

26 March 2013

Affin Education Excellence Award 2013

The Bank presented cash rewards to 107 students who excel in SPM and PMR exams.

3 June 2013


CORPORATE DIARY

Kuantan Branch Opening officiated by KDYMM Sultan Pahang

Kuantan Branch relocated to a brand new premise and the new of!ce was of!cially opened by KDYMM Sultan Pahang.

New Branch Opening and Jom Karnival

As part of its expansion plans, the Bank opened three (3) new branches in 2013, i.e. Kota Kemuning (Selangor), Danga Bay (Johor) and Lahad Datu (Sabah).

Majlis Berbuka Puasa Bersama Anak-Anak Yatim & Saudara-Saudari Baru

160 orphans and new Muslim converts were treated to a “Buka Puasa” dinner at the Bank’s head of!ce at Menara Af!n.

Sponsorship of Sports Equipment to Schools

In support of the “1Murid 1Sukan” Policy, AFFINBANK sponsored RM50,000 worth of sports equipment to selected schools in Malaysia.

AFFIN Banking Group Hari Raya Open House

AFFIN Banking Group management and staff came together as one entity to host customers and business partners to a scrumptious dinner to celebrate the Hari Raya.

TREES “Young Voices for Conservation”

AFFINBANK sponsors the TREES “Young Voices for Conservation” Programme where students are guided to implement environment protection projects in their schools. Winning teams are rewarded with cash prizes at the end of the project.

23 June 2013 19 July 2013 20 August 2013

23 September 2013 31 October 2013 12 November 2013

MANAGEMENT TEAM PROFILES · !nancial accounting, !nancial management and information technology. Ee...

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Transcript of MANAGEMENT TEAM PROFILES · !nancial accounting, !nancial management and information technology. Ee...