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Annual Report 2019

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Annual Report 2019 ANNUAL REPORT 2019 01 02 03 04 05 01 Yvonne Ngui Yew Kiong 02 Nur Sabrina Tajudin 03 Fadrul Azmil Jamalluddin 04 Mohamad Rizki Nadda 05 Shurinder Rahoo Review of the Year REVIEW OF THE YEAR How We’re Organised Key Messages Our Strategy 4 About This Report Performance by Divisions 5 Major Milestones Sustainability InsideGroup Performance FULFILLING 6 Corporate Events Corporate Governance 11 Key Highlights Financials AMBITIONS Additional Information HOW WE’RE ORGANISED This Cover Rationale 16 At a Glance 18 About Us KEY MESSAGES Report 22 Chairman’s Message 26 In Conversation with President/CEO OUR STRATEGY CORPORATE GOVERNANCE 34 Business Model 110 Board of Directors 36 Economic Review and Outlook 122 Management Team For many years, Credit 38 5-Year Strategic Plan 135 Organisational Structure Guarantee Corporation 40 Information Technology Blueprint 136 Corporate Governance Overview (CGC) has been extending its product range. In that 41 Performance Scorecard Statement time, CGC has progressed 43 Risks and Mitigations 149 Board Audit Committee Report from advising and 45 United Nations Sustainable 152 Risk Management and Internal guaranteeing credit to Development Goals Control Statement driving development and expansion. All with the sole PERFORMANCE BY DIVISIONS FINANCIALS intention of catalysing growth in Malaysian 52 Corporate 160 Directors’ Report MSMEs, the bedrock of the nation’s economy. This 54 Finance 165 Statements of Financial Position year, our theme and cover 55 Business 167 Statements of Comprehensive Income design exemplify our aim of 61 Operations and Information 169 Statements of Changes in Equity FULFILLING AMBITIONS, Technology 171 Statements of Cash Flows leaving no resolute 63 Credit 175 Notes to the Financial Statements entrepreneur behind in our 277 Statement by Directors MSME financial inclusion SUSTAINABILITY 277 Statutory Declaration agenda. The drive to 278 Independent Auditors’ Report succeed in these times requires more than just 66 Our People determination and dreams. 71 Economic Practices ADDITIONAL INFORMATION Inspiration, aspiration and 75 Corporate Partnership innovation, aided by CGC’s 78 Community & Stakeholder 281 Corporate Information commitment to assisting Engagement 283 Notice of 47th Annual General Meeting MSME growth, will ensure Proxy Form that solid, sustainable GROUP PERFORMANCE businesses grow with their people FULFILLING AMBITIONS. 100 5-Year Financial Summary and Highlights 104 Simplified Statements of Financial Position 106 Overview of Guarantee and Financing Schemes Annual Report 2019 1 Review of the Year How We’re Organised Key Messages Our Strategy “WithPerformance by Divisions the Sustainability Group Performance CGCCorporate Governance capital Financials IAdditional bought Information new large-scale equipment, upgraded my kitchen facilities and began to see my business expand with larger orders.” Realising Her SYERICH FOOD | Food PotentialSyarifah Munirah Syed Malek Shahabudin Kota Bahru, Kelantan After 20 years in business, Syarifah Munirah Syed Malek Shahabudin With a second financing, BizMula-i, she now has a new shop and a has learned a great deal about managing an establishment. In her most business that is growing incrementally. She constantly comes up with recent venture, she has acquired the knowledge to market online, arrange new products to expand her range and custom-makes orders according deliveries and appoint agents to distribute her renowned Hokkaido cakes. to her regular clients’ wishes. In May 2015, Syarifah Munirah set up her own bakery after a previous It was not always this simple. Nevertheless, putting a few failed initiatives enterprise with her friend had failed. As an agent for ‘Ketuk-Ketuk Aidilfitri’ behind her, she strides ahead with renewed enthusiasm. Her advice cookies, she also had the opportunity to conduct cooking classes for novice entrepreneurs? First, find your customers before setting up for government agencies such as Kemubu Agriculture Development premises. She states, “Operate from home, learn to sell other people’s Authority (KADA), RISDA and Jabatan Pembangunan Wanita. However, products and build a regular base. Not open a shop, then look for due to lack of capital her venture did not thrive, despite KADA supplying business.” equipment and machinery to produce bread, biscuits and cakes. Her ambition is to supply her signature product to supermarkets and In April 2018, she attended a CGC event to gain more market knowledge hypermarkets through Foodpanda and Grab Food. In addition to her and find out about its role in the MSME landscape. CGC’s attractive Kelantanese cooking classes, she plans to organise her own customised financing facilities persuaded her to apply for a BizWanita-i financing. classes for bakers and entrepreneurs. Syarifah Munirah recalls, “With the CGC capital I bought new, large-scale equipment, upgraded my kitchen facilities and began to see my business expand with larger orders.” 2 Credit Guarantee Corporation Malaysia Berhad Review of the Year How We’re Organised Key Messages Our Strategy “After Performanceobtaining by Divisions Sustainability Group Performance myCorporate Governancefirst Financials CGC BizMulaAdditional Information-i financing I was able to upgrade infrastructure and duck feed at the farm. The number of ducks has now increased to 2,500.” Realising His RIZKY FARM | Retail & Trading DreamsMohamad Rizki Nadda Sandakan, Sabah When Mohamad Rizki Nadda first started at his father’s duck farm With the funding received and subsequent upgrades, he can now producing salted duck eggs, he only had the capacity to raise 300 ducks. compete with his town’s bigger ‘salted duck egg’ players. He supplies “After obtaining my first CGC BizMula-i financing I was able to upgrade farm eggs to agents twice a week, and has also opened a small restaurant infrastructure and duck feed at the farm. The number of ducks has now and an outlet in Mydin Food Court. “It’s an opportunity to use my own increased to 2,500.” products in my meals, as well as sell the salted eggs.” “The salted egg business in Sandakan is popular, but very competitive,” Mohamad Rizki does not regret his decision to turn down a high-paying reveals Mohamad Rizki, a mechanical engineer by training. He has to job with PETRONAS Carigali. His ambition now is to grow his business into constantly think about how to stay ahead of the curve, as many smaller a medium or large enterprise, and to diversify by branching out to urban farms in Sandakan go out of business within two years. He constantly centres. analyses the problems of these failed businesses in order to find out more about running his own. “It’s a good business. But the root of the failure lies in the lack of capital,” he affirms. He is now in the process of receiving his second CGC Biz Mula-i financing, to use as working capital. Mohamad Rizki first heard about CGC at an entrepreneurship event in Sabah. He followed up his queries with the CGC Sandakan branch office. Rizky Farm was also a participant at the Karnival Kewangan BNM in Sandakan, sharing its success story. Annual Report 2019 3 REVIEW OF THE YEAR How We’re Organised Key Messages ABOUT Our Strategy Performance by Divisions Sustainability Group Performance THIS REPORT Corporate Governance Financials Additional Information Ambition requires courage, confidence and clarity. Ambition drives success, striving to reach goals through diligence, dedication and determination. These qualities played a central role in 2019 in Credit Guarantee Corporation Malaysia Berhad’s (CGC), Fulfilling Ambitions. The journey that CGC had begun close to 48 years ago, was equally well-meaning and ambitious, with the intent to grow Malaysia’s Micro, Small and Medium-Sized Enterprises (MSMEs). Recognised as engines of economic growth, MSMEs provide the entrepreneurial vibrancy and vitality that drives economic activity across different industries. MSMEs are crucial for economic growth in Malaysia, driving the nation’s Gross Domestic Product (GDP). This growth recorded a higher contribution Guided by visionary leaders, PEOPLE remain at CGC is at the cusp of developing an of 38.3% to GDP in 2018, valued at US$126.3 the core of CGC’s aspirations. Customers, staff, entrepreneurial culture, cutting across swathes billion (RM521.7 billion), as compared to 37.8% stakeholders and partners thrive together, of Malaysian MSMEs to compete internationally. the previous year. based on commitment, integrity and good This will contribute towards achieving the governance. The individual MSME narratives Shared Prosperity Vision 2030, the Malaysian Fortified by decades of experience in bridging here reveal inspiring rewards, of people and Government’s commitment to ensure the the investment gap between financial businesses enabled to realise dreams. Also, nation achieves sustainable growth, along with institutions and MSMEs, CGC celebrated a the current disruptive business environment, fair and equitable distribution across income record-breaking year in 2019. The Corporation including the mandatory digital transformation, groups, ethnicities, regions and supply chains. garnered its highest-ever profits, while has given way to new ways of working and remaining focused on its vision of dedicatedly connecting to discover novel methods of Globalisation and the Fourth Industrial promoting growth and development of engaging customers, building solutions and Revolution have created new opportunities for competitive, dynamic MSMEs. creating services. MSMEs that remain the source of
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