AMMB Holdings Berhad (223035-V) | Annual Report 2016

Corporate Social Responsibilities

At AmBank Group, we take pride in our role as part of the catalyst towards building a sustainable future in the industry. With over 40 years of legacy and achievements in developing the community in which we serve, AmBank Group remains focused on creating value and building an even stronger and enduring brand. As an institution, we strive to deliver value-creation practices over the long term for the society, our employees, customers, the marketplace and the environment.

Moving forward, the Group will continue to take a Group allocated a budget of RM1 million per year in leading role in sustainable growth of the industry, in sponsoring this programme, and it begins with the line with our aspirations by “running the Bank better” selection of families and uses factors such as household and “changing the Bank”. The Group has set clear income, number of children in a family and their ages. targets and milestones to measure its progress. With the support from local NGOs, these families are chosen regardless of creed, race or religion. As a testimony to our Corporate Social Responsibility (“CSR”) efforts, the Group was selected as the winner The AmBank-MyKasih Community Programme was for Best Corporate Social Responsibility in Malaysia at launched on 4 November 2009 helping 50 families in the Corporate Governance Asia 5th Asian Excellence Sentul, Kuala Lumpur, with Ong Tai Kim supermarket Recognition Awards 2015. as our partner. Leading-edge technologies via MyKad transactions ensure equitable distribution of the AmBank Group’s sustainability and success are linked welfare support as the beneficiaries received the aid to the community at large, the initiatives at the without any intermediaries. Under this programme, workplace, and the environment. each of these 50 families received RM40 every two weeks for two years to support their daily household Making A Difference In The Community needs. AmBank Group’s AmKasih serves as an umbrella platform for all of our CSR efforts in addressing a In August 2015, in conjunction with AmBank Group wide range of issues linked to the development of Southern Region Family Day, the Group launched communities that include the less fortunate, those in the AmBank-MyKasih Community Programme for the distressed situations, youth, sports, culture, and the first time in Johor, committing RM104,000 that will media. benefit a total of 100 families in Masai, Pasir Gudang. Since 2009, AmBank Group has contributed close to AmBank-MyKasih Community Programme RM3 million in assisting 2,157 families throughout the Making a difference in the lives of the underprivileged country in areas such as Kota Bharu and Kuala Krai, is the main objective of the AmBank-MyKasih Kelantan; Sentul, Kuala Lumpur, Ayer Keroh, Melaka; Community Programme, a food aid initiative that Arau, Perlis; Bayan Baru and Rifle Range, Pulau Pinang; provides targeted groups with an allowance to help , ; Menggatal and Sandakan, Sabah; offset the costs of essential daily food items. The Kuching, Sarawak; Pandan Jaya, Cheras, Klang and USJ, Selangor; Masai, Johor and Kuala Terengganu, Terengganu. Currently, these are the communities that are actively benefitting from the AmBank-MyKasih Community Programme:

COMMUNITY AmBANK- PROGRAMME MyKASIH DURATION RECIPIENTS (NO OF FAMILIES) Pasir Gudang, 19 August 2015 - 100 Johor 16 August 2016 Simon Su, Regional Director, Sarawak Region, AmBank (M) Bayan Baru, 5 November 2015 - Berhad (left) and Dennis Lau 50 (second from left) presenting Pulau Pinang 16 November 2016 goodie bags to the children 10 September 2014 - from Methodist Children Home Kuala Terengganu 50 Sibu at the Back To School event 26 October 2016 in Sibu held on 16 January 2016.

110 Tan Sri Azman Hashim (standing in the centre, wearing AmBank’s cap) accompanied by Datuk Mohamed Azmi Mahmood, Group Deputy Chief Executive Officer (to Tan Sri Azman’s left) and the Senior Management of AmBank Group during the programme launch in Johor.

AmBank Group Back To School Programme In December 2015 and January 2016, we resumed our annual Back To School programmes in six regions across the country. This time around, this programme benefitted more than 439 students in Subang Jaya, Selangor; Kota Kinabalu, Sabah; Sibu, Sarawak; Seremban, Negeri Sembilan; Dungun, Terengganu and , Perak. Our fun-filled activities for the children began with a “Back to School” shopping trip for school supplies to get them prepped and ready for the new school year, followed by a sumptuous lunch treat. With this programme, we aim to make a positive impact to underprivileged families and lend a helping hand in growing the children’s future. Below is the list of recipients for AmBank Group Back To School Charity Programme FY2015/2016:

COMMUNITY NO OF CHILDREN PROGRAMME DATE Subang Jaya, Selangor (Rumah Kebajikan Bur Hati, House of JOY, City Revival Children’s 110 30 November 2015 Home, Praise Emmanuel Children’s Home) Seremban, Negeri Sembilan (Pusat Jagaan Baitul Mahabbah, Pertubuhan Kebajikan & 71 3 December 2015 Pendidikan Asnaf Murni) Bagan Serai, Perak (Pertubuhan Kebajikan Anak-Anak Yatim dan Miskin Cahaya 50 6 December 2015 Ain Krian, Sekolah Khas Sekolah Kebangsaan Bagan Serai) Dungun, Terengganu 60 9 December 2015 (Kelab Komuniti Dan Rekreasi Terengganu) Kota Kinabalu, Sabah 88 13 December 2015 (Madrasah Wakaf Islamiah Sabah) Sibu, Sarawak 60 16 January 2016 (Methodist Children Home Sibu)

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From left to right: Syed Anuar Syed Ali, Head, Group Corporate Communications and Marketing, AmBank Group; Ramzi Toubassy, Chief Executive Officer, AmMetLife Insurance Berhad; Derek Roberts, Chief Executive Officer, AmGeneral Insurance Berhad; Nigel Denby, Chief Risk Officer, AmBank Group; Faradina Ghouse, Group Chief Compliance Officer, AmBank Group; Pushpa Rajadurai, Acting CEO, AmInvestment Bank Berhad; Dato’ Sulaiman Mohd Tahir, Group Chief Executive Officer, AmBank Group; Tan Sri Azman Hashim, Chairman, AmBank Group; Dato’ Seri Ahmad Johan Raslan, Senior Adviser and Board Member, AMMB Holdings Berhad; Datuk Mohamed Azmi Mahmood, Deputy Group Chief Executive Officer, AmBank Group; Uji Sherina, Group Chief Human Resource Officer, AmBank Group; Eqhwan Mokhzanee, Chief Executive Officer, AmBank Islamic Berhad; Anthony Chin, Acting Head, Retail Banking, AmBank (M) Berhad; Tengku Faradiza Tengku Baharuddin, Senior Vice President, Wholesale Banking Coverage, Institution, AmInvestment Bank Berhad; Thein Kim Mon, Chief Internal Auditor, AmBank Group and Mohamad Salihuddin Ahmad, Chief Executive Officer, AmMetLife Takaful Berhad wishing customers Selamat Hari Raya.

AmBank Group Charity Festivities AmBank Group also collaborated with Hafisya HH The festive seasons at AmBank Group are always filled Trading and Mydin Mohamed Holdings Berhad to with joyous occasions, connectivity and the spirit of purchase Deepavali clothing and casual wear for the giving back to the community. In June 2015, AmBank recipients. Besides that, the Group also sponsored Group together with its sports club Kelab AmBank three units of fan, two units of water heater, five units Group, organised the Majlis Berbuka Puasa Amal of single mattress, five units of double decker single Kumpulan AmBank. We invited 121 children, senior bed and daily essential items. citizens and single mothers from Rumah Kasih Nurul Hasanah for a day of Hari Raya shopping followed by a Earlier on 17 October 2015, Pusat Jagaan Anbe Sivam buka puasa treat with AmBank Group staff and senior received a fresh coat of paint in a Deepavali gotong- management. To further add to the joyful celebration, royong programme organised by the sports club our honoured guests from Rumah Kasih Nurul together with the AmBank Outer Central Region staff Hasanah also received a token of duit raya. Through mainly from the Klang Valley area. A total of 120 Kelab events such as this, we hope to create a deeper bond AmBank Group members took part in this activity. within the staff of AmBank Group and bring us closer to the community. For Chinese New Year, AmBank Group celebrated the Year of the Monkey in Taiping, Perak where the Aside from the Central region, Majlis Berbuka Puasa programme benefitted 75 children and youths from Amal Kumpulan AmBank was also carried out in Kuala Pertubuhan Pengurusan Rumah Anak-Anak Yatim & Kangsar, Perak where we invited 33 children from Miskin Anning, Anak Yatim from SJK (C) , Pemulihan Dalam Komuniti, Permata Indah, Kota Lama Anak Yatim from SJK (C) Aulong, Anak Yatim from Kiri, and 26 children from Pemulihan Dalam Komuniti, SJK (C) Sin Min and Anak Yatim from SJK (C) Phui Lempor, Kg Lempor for a buka puasa treat. We also had Choi around Taiping. After the shopping session, the the privilege of hosting a Hari Raya shopping session children enjoyed a sumptuous luncheon at Legend in the Southern region for 60 children from Yayasan Inn Hotel where they were entertained by a lion dance Bandaraya Johor Bahru in Masai, Johor. performance.

AmBank Group Deepavali Charity Programme was AmBank Group also celebrated Hari Gawai and Pesta held in Klang, Selangor for 50 children, youths, disabled Kaamatan in Sawarak and Sabah with underprivileged children and senior citizens from Pusat Jagaan Anbe families. The festival marks the end of the paddy Sivam in Taman Sri Andalas, Klang on 24 October 2015. harvesting season and the beginning of the new The recipients also had a mini carnival organised by planting season. Fifty students from SK St Alban Kelab AmBank Group members with booths set up Ampungan, Serian in Kuching, Sarawak and 60 in the home itself which included henna painting, students from SJK Sacred Heart and SRK Lok Yuk face painting, clown performance and magic show Tamalang in Sibu, Sabah joined us in this affair. followed by a sumptuous lunch of Indian delicacies.

112 Creating a Positive Workplace For The AmBank Family At AmBank Group, we place great importance in cultivating a cohesive and engaged workforce to ensure that we continue to connect with one another, grow and outperform. The Group’s ultimate aim is to provide employees with a balanced and healthy lifestyle, a vibrant and connected work environment, skills and personal development, and recognition and career growth.

A Balance And Healthy Lifestyle Through Kelab AmBank Group (KAG) AmBank Group aims to provide the best support to staff in order to foster their wellbeing, development and intellectual growth. These are intrinsically tied to the value that staff will be able to add to the Group and to the community at large. Kelab AmBank Group (“KAG”), AmBank Group’s sports and recreation club for all employees, provides a wide range of sports and social activities as well as competitive challenge events. Below is the full list of KAG’s sports and recreational activities throughout the financial year: AmBank staff at Wisma Pudu all decked out in colourful Indian clothing during the AmBank Group ACTIVITY DATE VENUE and KAG Deepavali Treats Giveaway on Tuesday, 3 November 2015. Kelab AmBank Group 9-A Side Football Saturday, 11 April 2015 Kem Batu Kentonmen, Tournament 2015 Jalan , Kuala Lumpur Kelab AmBank Group AmBagus 2015 Sunday, 24 May 2015 Dewan Tun Hussein Onn, Level 2, Putra World Trade Centre Kelab AmBank Group Badminton Saturday and Sunday, Uptown Sports Centre, Tournament 2015 5 and 6 September 2015 Kajang, Selangor Fitness@Zumba Class On-going Menara AmBank, Wisma AmBank, Menara MBf, and Asthana Arts AmGames 2015 Friday, 5 June 2015 UiTM Sports Centre, Saturday, 6 June 2015 Shah Alam, Selangor Scuba Diving Certification Session & Saturday, 12 September Pulau Tioman, Leisure Dive & Snorkeling 2015 to Monday, 14 September 2015 Pahang Darul Makmur Kelab AmBank Group Futsal Saturday, 31 October 2015 Uptown Sports Centre, Tournament 2015 Kajang, Selangor Kelab AmBank Group Bowling Saturday, 10 October Pyramid Mega Lanes, Tournament 2015 Sunday, 11 October 2015 Sunway Pyramid Mall, Selangor Kelab AmBank Group White Water Saturday, 17 October 2015 , Perak Rafting 2015 Kelab AmBank Group Blood Donation Throughout the month of October Across all regions Drive 2015 Kelab AmBank Group Eco-Challenge 2015 Saturday, 5 December 2015 Taman Botani Negara, Shah Alam, Selangor Kelab AmBank Group Sepak Takraw Saturday, 19 December 2015 Kompleks Sukan MSN, Tournament 2015 Taman Keramat AU2, Kuala Lumpur Kelab AmBank Group Zoo Negara Sunday, 20 December 2015 and Zoo Negara, Family Outing Saturday, 20 February 2016 Kuala Lumpur 35th Annual General Meeting of the Thursday, 24 March 2016 Bangunan AmBank Group Kelab AmBank Group

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As a caring corporate citizen and in response to Engagement Expo on 19 and 20 May 2015 at Menara our call to initiate a Corporate Social Responsibility AmBank. The two-day expo was a collaborative effort (CSR) programme in the flood affected areas that between Retail Bank and Group Operations with the regularly hit the country, AmBank Group are assisting purpose of creating awareness on departmental customers, staff and members of the public through functions and promoting employee engagement various initiatives through Kelab AmBank Group. amongst AmBank Group staff.

Based on our experience, Kelab AmBank Group (KAG) AmBank Group and Kelab AmBank Group also showed have seen the needs to establish a relief squad to be their appreciation for staff and customers through on standby to assist victims during national disaster. the distribution of treats during festive celebrations. The squad will be equipped with basic knowledge and During the month of Ramadhan, we distributed skills required for first aid and relief mission. bubur lambuk and other traditional treats such as kuih samprit. For Malaysia Day Celebration, we distributed Thus on 19 December 2015 and 9 January 2016, a specially designed Malaysia Day caps and miniature total of 60 KAG members from various departments Malaysia flags to staff and customers. Meanwhile for participated in the training and certification Deepavali, we distributed traditional Indian treats such conducted by Jabatan Pertahanan Awam Malaysia, as muruku, omapodi and milk burgos. JPAM. Through this training the volunteers are exposed and trained to the basic skills of first aid, For skills and personal development and recognition CPR, fire emergency procedure, and wall climbing. and career growth, please refer to the Human Capital Agenda section on page 104 in this Annual Report. KAG hopes that with the basic knowledge acquired during the brief training, we are ready with a squad Responsibility To The Marketplace that will be able to assist the community through any As part of its contribution in spurring growth and natural disasters and at the same time safeguard our prosperity in the country and region, the AmBank members’ safety. Group has continuously supported the spirit of innovation via initiatives that promote the growth of A Vibrant And Connected Work Environment the market as well as creating platforms for knowledge In line with fostering connectivity between AmBankers, sharing aimed at the development of the financial AmBank Group organised the first-ever Employee services industry.

As part of our Ramadhan tradition, KAG distributed packets of bubur lambuk to customers and staff. Tan Sri Azman Hashim (left) joined in the preparation of making the bubur lambuk, accompanied by Syed Anuar Syed Ali, President, KAG and Head, Group Corporate Communications and Marketing (right) and KAG members.

114 Fostering Innovation And Providing Value To The Market AmBank and Credit Guarantee Corporation Malaysia Berhad (“CGC”) signed a Portfolio Guarantee (“PG”) agreement on Friday, 24 April 2015 to further enhance Small Medium Enterprise (“SME”) financing in Malaysia. Through this partnership, both CGC and AmBank made a commitment to extend RM300 million of financing to five main sectors namely wholesale and retail trade, manufacturing, education, healthcare, construction and resources. These sectors have been identified under the SME Masterplan 2012–2020 with growth potential where Malaysia has both comparative and competitive advantages with a high multiplier effect. members of EduCare Club with privileged access to From left to right: Janey Lee, Head, In March 2016, AmBank Islamic Berhad inked a Bancassurance, AmMetLife Insurance exclusive benefits and discounts from these top child Berhad; Anthony Chin, Acting Head, financing agreement with UDA Holdings Berhad along development organisations. Retail Banking, AmBank (M) Berhad with four other financial institutions for a syndicated and Ramzi Toubassy, Chief Executive Officer, AmMetLife Insurance Berhad Islamic Financing Facility of up to RM500 million. In the same financial year, AmGeneral Insurance at the Launch of EduCare Club. AmInvestment Bank is part of the Joint Mandated Lead also launched its new AmDrive Plus policy for its Arrangers for the syndicated facility for the leading AmAssurance policyholders. This enhanced personal property developer. The signing ceremony was held accident protection plan provides coverage against at Premiera Hotel, Jalan Tunku Abdul Rahman, Kuala accidents as well as 24-hour vehicle breakdown Lumpur and this financing facility will be used to partly assistance and towing services within Malaysia. fund UDA’s eight property projects throughout the country with an estimated gross development value For RM70 per annum, the enhanced benefits of (GDV) of RM1.62 billion. AmDrive Plus includes:

Continuing on with its innovative streak, AmInvest • 24-hour vehicle breakdown assistance and FREE launched the Advantage Global Equity Volatility towing service up to 450km roundtrip within Focused, an innovative fund aimed at providing long- Malaysia (including unlimited toll charges) term total return from a combination of income and • Medical expenses, corrective dental and/or capital growth by investing in a portfolio of global cosmetic surgery and ambulance fees (up to equities. The Fund, a wholesale fund, feeds into HSBC RM1,000 per accident) Global Investment Funds – Global Equity Volatility • Hospital income per person up to 60 days per year Focused. • Compassionate flood expenses (up to RM1,000) • Double indemnity during a national public holiday In 2015, AmMetLife Insurance Berhad launched in Malaysia the ProtectSecure Prime, a life insurance plan with guaranteed premium from as low as RM150 per month. To complement AmDrive Plus, two key product ProtectSecure Prime offers three premium payment benefits have been unveiled namely AmAssurance term options – 10 years, 20 years or up to age 60 – after One Touch and our new Specialist Windscreen which no further payments will be required to keep Repairers. The AmAssurance One Touch is the latest From left to right: Grace Quah, Senior the policy in force. In addition, customers will enjoy an Vice President, Agency Distribution Android and iOS application that provides convenient & Operations, AmGeneral Insurance annual 10% increase on the initial sum assured upon access to Auto Assist services at the touch of a button. Berhad; Derek Roberts, Chief completion of policy year one up until policy year 10. Executive Officer, AmGeneral By tapping the SOS button, an emergency signal and Insurance Berhad and William Oh, The best part about ProtectSecure Prime is the unique GPS coordinates are sent to the KAA call centre. Senior Vice President, Bancassurance, double coverage feature for extra protection that AmGeneral Insurance Berhad. takes effect between policy year 11 to age 61, in the event of death, total permanent disability or any of the 36 critical illnesses depending on the plan selected. ProtectSecure Prime also offers four different plans with a premium waiver when one of the 36 critical illnesses is diagnosed.

Children are at the heart of everything parents do and with that focus in mind, AmMetLife launched the EduCare Club, an exclusive membership circle for Malaysian parents wanting the best for their children. EduCare Club is a strategic partnership between AmMetLife and leading organisations Kindermusik and Kaplan, renowned for their high quality child development programmes. AmMetLife education plan policy owners will automatically become

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From left to right: Derek Roberts, Chief Executive Officer, AmGeneral Insurance; Tan Sri Azman Hashim, Chairman, AmBank Group; Professor Datuk Dr Noor Azlan Ghazali, Vice Chancellor, UKM and Professor Dr Sahrim Hj Ahmad, Dean, Faculty of Science and Technology, UKM.

AmGeneral Insurance Berhad signed a Memorandum Chinese Chamber of Commerce and Industry (NPCCCI) of Understanding (“MoU”) with Universiti Kebangsaan attended the talk. The AmBank SBB team shared some Malaysia (“UKM”) on an internship programme to of the SBB solutions that AmBank is offering, namely sponsor four Actuarial Science final year students lendings products, deposits and cards. from UKM’s School of Mathematical Sciences. Upon completion of the final year, proven candidates will AmBank (M) Berhad completed its first PIN & PAY be further sponsored to undergo the Financial Sector transaction on 14 September 2015 to be amongst the Talent Enrichment Programme (FSTEP) with Bank first banks in Malaysia to deploy Personal Identification Negara Malaysia and offered a full-time internship and Number (“PIN”) enabled cards that are compliant employment with AmGeneral. with global Europay, MasterCard and Visa (“EMV”) standards. The transaction was conducted in Popular Improving Benefits To The Marketplace And Bookstore, Avenue K, Kuala Lumpur. This is following Celebrating Customers an industry-wide requirement for all domestic card As Retail Banking continues to strengthen our issuers and acceptors to migrate from signature to PIN business and franchise, we are determined to grow as the standard for verifying customers for all domestic Auto Finance, a key business of AmBank. On 20 June point of sale transactions by 1 January 2017. All credit, 2015, AmBank participated in the 44th anniversary debit, charge and prepaid cards in Malaysia that celebration dinner of the Penang and Province currently support signature will be replaced with new Wellesley Used Cars Autocycle Dealers and Motor cards programme to support PIN. This industry-wide Financiers Association that was held in Penang, in transition had commenced since July this year and will conjunction with the Federation and Credit Companies be completed by 1 January 2017. Association of Malaysia (“FMCCAM”) 37th Annual Delegates Conference. The dinner was graced by Dato’ On 25 September 2015, AmBank awarded RM150,000 Sri Liow Tiong Lai, Malaysia’s Minister of Transport, and to 20 young professionals who submitted their ideas attended by close to 600 guests that included auto and aspirations in the TRUE Potential Campaign, industry leaders, association members, customers and which was held from 6 January to 31 March 2015. AmBank staff. TRUE by AmBank is a banking solution targeting young professionals aged between 25 to 34 years old The Small Business Banking (“SBB”) team at delivering a simple and relevant banking experience. Northern Region 2 organised an SBB Partnership As part of the proposition, customers are able to Talk on 15 September 2015 at Hotel Taiping Perdana. access TRUE Lab, the first banking crowdsourcing Approximately 90 SME members from the North Perak platform in Malaysia where the online community is

116 empowered to collaborate and shape the future of AmBank organised a special Ola Bola movie screening banking with AmBank. The fully digital TRUE Potential appreciation night for 290 clients at GSC Signature, campaign was held online via TRUE Lab whereby Gardens Mid Valley, Kuala Lumpur as well as Melaka contestants had to submit ideas on how they can and Pulau Pinang. The happy occasion was made even live up to their TRUE potential if they were given more joyous with the presence of the full cast and funds to make their dream a reality. Alina Amir, 27, director of Ola Bola to socialise and take photos with was selected as the winner after presenting her idea guests and Senior Management of AmBank Group, of building a structured after-school programme as which include Tan Sri Azman Hashim, Chairman, a tool to motivate underprivileged students in the AmBank Group, and Dato‘ Sulaiman Mohd Tahir, Group country. Second place went to Azra Atiqka Md Rasid, Chief Executive Officer, AmBank Group. 28, who received RM30,000 for her dream of setting up a bohemian-themed fashion brand that offers items Caring For The Environment sourced from various communities around the world. Wastage reduction is an area of priority for the AmBank Third place was awarded to Joshua Chew Shern Ern, Group. Throughout the buildings and regional offices, 26, who received RM20,000 for his Queing Notification practices like double-sided printing, minimising App idea whilst fourth place went to Heidi Quah, 21, colour prints and using electronic communications the founder and director of Refuge for Refugees who instead of hard copy printouts are encouraged where aspires to own a premise to be used as a school. possible. Three of the Group’s buildings are designated as non-smoking buildings – Bangunan AmBank AmBank Group, in collaboration with Malaysian Group, Menara AmBank Group and the AmBank Australian Business Council, held a Networking Group Leadership Centre – to provide cleaner air for Evening and Talk event at Hilton Hotel in Kuala Lumpur. employees and customers alike. Pleasant greeneries The talk focused on the topic “What do Bankers Look and lush landscape areas, most notable in Bangunan for in a Business Loan?” and was presented by Wong AmBank Group and Menara AmBank Group in Kuala Yoke Kim, Vice President, Wholesale Banking Coverage, Lumpur, have been created to provide pockets of AmBank Group. The purpose of the talk was to help soothing beauty that make for a more pleasant business owners understand better and be more banking experience. The AmBank Group has also aware of what bankers look for in approving business sponsored Zoo Negara’s Dromedary for over 29 years loans. Some of the topics highlighted by the speaker and plans are being made to extend the sponsorship include the business loan application process, credit so that the wellbeing of the beautiful camels will be assessment, loan purposes, and types of financial extended in order for future generations to enjoy this products offered by banks. unique animal.

Dato’ Sulaiman Mohd Tahir, Group Chief Executive Officer, AmBank Group presenting a mock cheque to Dato’ Sr Zaharin Md Arif, President, Malaysian Zoological Society (right) during AmBank Group’s visit to Zoo Negara on Sunday, 20 December 2015. Looking on is Syed Anuar Syed Ali, President, KAG and Head, Group Corporate Communications and Marketing, AmBank Group (left).

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