• Ornapaper Berhad Was Listed on the Main Board of the KLSE Under

Mall-on-Call - Proudly presenting the Redhall Gallery Card are (from left), Encik Mohamed Azmi, Kuala Lumpur City Centre backdrop. From left: Managing Director, AmFinance, Tunku Arishah Tunku Ma’amor, YABhg Datin YBhg Dato’ Jegathesan Jegasothy, Seri Dr Siti Hasmah, YAB Dato Seri Dr Mahathir Chairman, e-Pedas Enterprise Planning and Tan Sri Dato’ Azman on the 48th Floor of Division and Mr Jim Cheah, Vice Bangunan AmFinance during its launch. President and Senior Country Manager, Malaysia and Brunei, MasterCard International.

AmPrivate Banking February Launched! From left: Mr Tai Terk Lin, • AmBank Group launched its new camel coinbox Director, AmPrivate • The Group launched the ‘Let’s Duit’ campaign, a Banking; Tan Sri hassle free credit card application that gave away a Dato’ Azman; DVD player with every Gold Card approved and a Mr Cheah Tek Kuang, compact digital web camera for every Classic Card Group Managing • The Payment Multi-Purpose Card or Bankcard was Director; and Mr Kok launched Tuck Cheong, Executive Director, March AmMerchant Bank. • AmBank Group launched the AmAZING Contest, a contest for AmBank Group’s new and existing customers who ‘Start A Relationship with Us’ (The • Ornapaper Berhad was listed on the Main Board of AmBank Group) the KLSE under the Advisory of AmMerchant Bank • AmAssurance introduced AmGold, a non-participating who also acted as Managing Underwriter guaranteed return savings policy • AmMerchant Bank signed an underwriting agreement • The Group launched the ‘Get Red 2 Get Smart’, a for the listing of an MSC-status company, Portrade contest which gave customers the opportunity to dotcom Berhad on the MESDAQ Market win RM10,000 worth of AmBank Group products • AmMerchant Bank was the Adviser, Managing by exchanging their ‘old’ magnetic ATM card to the Underwriter, Placement Agent and Sponsor for the upgraded ‘chip-based’ Bankcard listing of Karensoft Technology Berhad on the MESDAQ Market April • The Group’s AmDirect Online Banking (AmDirect) • AmMerchant Bank launched AmPrivate Banking, a introduced value-added services to its Internet new business unit which provides personalised Banking Service at ambg.com.my. Users are now solutions to fulfil customers’ holistic financial goals able to effect Interbank transfers of up to RM5,000 • AmBond declared a final income distribution of daily three sen to its unit holders January 2003 May • The Prime Minister, YAB Dato Seri Dr Mahathir bin • AmMerchant Bank was appointed the Facility Mohamad launched Bangunan AmFinance in Agent for the RM3.75 billion Credit Facility for Kuala Lumpur Telekom Malaysia • AmMerchant Bank was the Adviser and Lead • AmInvest’s premier bond fund, AmBond reached Arranger for the RM1.22 Billion Financing Facility the RM1.0 billion mark for Panglima Power Sdn Bhd for the construction • AmMerchant Bank and the Macquarie Bank Group of 720 mega watt combined cycle power plant in jointly launched the Am-Macquarie Sovereign Plus, Teluk Gong, Melaka the first primary listing of an open-ended fund on • AmMerchant Bank and Malaysian Industrial the Labuan Financial Exchange. AmInternational Development Finance Berhad (MIDF) completed (L) Ltd is the Listing Sponsor for the Fund the RM500.0 million Financing Programme for • The Group participated in the Annual Banking MIDF Summit organised by ASLI • AmMerchant Bank organised an Investors’ June Conference entitled ‘Asset Securitisation - The Way Forward’ • AmMerchant Bank acted as the Adviser and Sole • The Group organised a ‘Celebrate Your Life’ Arranger for the RM4.06 Billion Bai’ Bithaman Ajil contest for staff who performed the highest Notes Issuance for K.L. International Airport Berhad transactions via ambg.com.my website • The AmBank Group launched the ‘Customer First’ Campaign in conjunction with the airing of the Group’s series of TV commercials on national television

81 YAB Dato Seri Dr Mahathir and YABhg Datin Seri Dr Siti Hasmah together with (from left) Tan Sri Dato’ Azman, Puan Shalina, Ms Low and Mr Lok Eng Hong, Managing Director of Eu Yan Sang at the ‘Terima Kasih’ Gratefulness Merdeka Campaign. Calendar of Events

• The Group launched Personal Financial Planning Services, a financial service which offers customers advice on relevant products according to their financial needs • The Group launched the Redhall Gallery Card, Malaysia’s first Mall-on-Call concept using interest free credit card • AmMerchant Bank acted as the Adviser, Managing Underwriter and Placement Agent for the listing of Pembinaan Jayabumi (Sarawak) Berhad on the Second Board of the KLSE

Ms Pushpa Rajadurai, Tan Sri Dato’ Director/Head, Corporate Azman presenting Finance, AmMerchant Bank the mock cheque congratulating YBhg Dato’ to YAB Dato Seri Mohamed Feisal Ibrahim, Dr Mahathir and Executive Chairman, Bina Puri YB Dato’ Dr Haji Holdings on the company’s Shafiee, Deputy rights issue exercise. Finance Minister in support of the Pertandingan Golf Amal while YABhg Datin Seri Dr Siti Hasmah looks on. Kelab AmBank Group President, Encik Ahmad Zaini Othman (third from left) with the top three teams of the Treasure Hunt, and the Organising Chairman, Mr Tan Kok • APP Industries Berhad was listed on the Second Cheeng (fourth from left). Board of the KLSE by AmMerchant Bank, the Adviser, Managing Underwriter and Placement Agent July • AmMerchant Bank was the Adviser, Managing • AmMerchant Bank acted as the Adviser, Managing Underwriter and Placement Agent for the listing of Underwriter and Placement Agent for the listing of Pentamaster Corporation Berhad on the Second Hiap Teck Venture Berhad on the Main Board of Board of the KLSE the KLSE • AmMerchant Bank was also the Adviser, Managing • AmBank Group announced the winners of the Underwriter and Placement Agent for the listing of AmBank Group AmAZING Contest Englotechs Holdings Berhad on the Second Board • For the flotation exercise of Salcon Berhad on the of the KLSE Main Board of the KLSE, AmMerchant Bank acted • For the listing of Parade Season Berhad on the as the Adviser, Managing Underwriter and Second Board of the KLSE, AmMerchant Bank Placement Agent acted as the Adviser and Managing Underwriter • AmMerchant Bank was the Adviser, Managing • AmMerchant Bank acted as the Adviser, Managing Underwriter and Placement Agent for the listing of Underwriter and Placement Agent for the listing of Luster Industries Berhad on the Main Board of the KLSE BLD Plantation Berhad on the Main Board of the KLSE • Naim Cendera Holdings Berhad was listed on the • Coastal Contract Berhad was listed on the Main Board Main Board of the KLSE with AmMerchant Bank as of the KLSE with AmMerchant Bank as its Adviser, its Adviser, Managing Underwriter and Placement Managing Underwriter and Placement Agent Agent • AmMerchant Bank was the Adviser and Placement • AmMerchant Bank acted as the Adviser, Managing Agent for the listing of Crest Builder Holdings Underwriter, Underwriter and Placement Agent for Berhad for its listing on the Main Board of the KLSE the flotation exercise of AWC Facility Solutions • AmMerchant Bank also acted as the Adviser, Berhad on the Second Board of the KLSE Sponsor, Managing Underwriter and Placement • AmMerchant Bank was the Adviser, Managing Agent for the listing of Orisoft Technology Berhad Underwriter and Underwriter for the Rights Issue on the MESDAQ Market of the KLSE of 40,000,000 new ordinary shares of Bina Puri • AmBon Islam completed its final three sen income Holdings Berhad at RM1.00 each on the Main distribution to unit holders Board of the KLSE • The AmBank Group acquired Experian credit • AmAssurance recorded a 39.0% growth in premium scoring system from KPMG and Experian totalling RM43.0 million for the financial year ended 31 March 2003

82 Tan Sri Dato’ Azman Hashim and Tunku Arishah performing at the dinner co-hosted by AmBank Group for the delegates of the 13th Participants abseiling down Non-Aligned Movement (NAM). a 30-meter dam, one of the most challenging obstacles of the Eco-Challenge 2002.

• The Group contributed RM100,000 to the Malaysian Endurance Riding Society in support of promoting endurance riding in Malaysia

August • AmBank Group contributed RM50,000 to the Langkawi International Dialogue 2002 • The Group participated in The Edge Kuala Lumpur Rat Race 2002 for the third consecutive year • Kelab Rekreasi dan Sukan Cacat Penglihatan received RM5,200 sponsorship for their ‘Goalball

Tan Sri Dato’ Azman Hashim (eighth from left) in a group pose with Tournament 2002 THORA Championship’ long serving staff of the Group. • The Group, via Yayasan Arab-Malaysian, contributed RM500,000 to the Malaysian Liver Foundation • Kelab AmBank Group organised Eco-Challenge SOCIAL & SPORTS ACTIVITIES 2002 for 140 members at Taman Pertanian Malaysia, April 2002 Bukit Cerakah, Shah Alam • AmBank Group contributed RM150,000 in support of a charity golf tournament, Pertandingan September Golf Amal 2002, jointly organised with Yayasan • The camels at Zoo Negara Malaysia received Pembangunan Masyarakat dan Bestari Kuala RM20,000 contribution for their upkeep for the Langat 11th year running

May October • Kelab AmBank Group organised its first, themed Treasure Hunt to Lumut, Perak. The Hunt’s theme • Lembaga Kebajikan Perempuan Islam Malaysia was was Code Red the recipient of a brand new eight-seater Nissan • AmBank Group Footballers won top prize in the Vannette C22, 1500cc from the Group to assist its National Financial and Insurance Soccer League effort in helping the underprivileged 2002 Division One • AmBank Group staff talents emerged at the AmBagus 2002, a popular event organised by Kelab June AmBank Group • Peniagawati, a women entrepreneurs association • The New Straits Times received a RM7,500 support received a RM20,000 support from the Group from the Group for its AmBank Group-NST • AmMerchant Bank Soccer Team emerged as Inter-Editorial Tournament 2002 Champion in the 2002 Inter-Merchant Bank Soccer • Kelab AmBank Group organised Sukarama, a Tournament sporting event participated by contingents from • The Group, in collaboration with Redi 988 organised within the Group The Super Street Fun 2002 with the aim of introducing the Group’s new colours to the public November July • The Group participated as the main sponsor for the • AmBank Group, in association with Redi 988 Sunken Treasures from South East Asia Exhibition. participated in the ‘Terima Kasih’ Gratefulness As part of the event, an auction of an artefact was Merdeka Card 2002 Campaign, which garnered held with the proceeds, totalling RM3,000, given to signatures from Malaysians who wish to say ‘Thank the Women’s Aids Foundation you’ to the Prime Minister

83 Calendar of Events

January • AmBank Group contributed,2003 for the second time, RM73,195.40 to Rumah Berkat to assist the home’s operating cost as well as improve its facilities • The Group participated as one of the sponsors in the 988 AmBank Group Red Hunt, a Treasure Hunt organised by the Chinese radio station 988 • Kelab AmBank Group organised its Third Kelab AmBank Group Golf Tournament YABhg Datin Seri Dr Siti Hasmah Haji Mohd Ali receives a mock cheque from Tan Sri Dato’ Azman Hashim on behalf of the Malaysian Medical Association, in AmBank Group’s effort to February support the improvement of healthcare standards in Malaysia. • AmBank Group hosted a dinner for the delegates of the 13th Non-Aligned Movement (NAM) Business Forum on South-South Cooperation with • AmBank Group was the Champion for Division the Malaysian South-South Association One in the National Banks Sports Council Football • Long serving staff of the AmBank Group in the League Klang Valley were feted and awarded for their May loyalty • AmAssurance organised its 15th National • Yayasan Tunku Abdul Rahman also received a Convention to celebrate its agents and agency helping hand from the Group totalling RM10,000 leaders • The Group contributed RM10,000 to the Sultanah March Bahiyah’s Foundation via Yayasan Arab-Malaysian • AmBank Group, Southern Region, organised the • MMA Foundation receives a hand from the Group ‘Red and Yellow Nite Fever’ Annual Dinner via a contribution of RM100,000 • Staff of the AmBank Group ‘chilled-out’ at the • Kelab AmBank Group organised its annual Genting Highlands Theme Park for their Family Treasure Hunt to Kuantan, Pahang, the first of two Day, organised by the Sports Club hunts, themed ‘Let’s Duit’ • Yayasan Arab-Malaysian contributed RM100,000 • AmBank Group Hockey Team came in third in the on behalf of the Group to the Yayasan Raja Muda Inter-Financial Institutions League Selangor June • A prize-giving ceremony for the ‘Celebrate Your Life’ • Kelab AmBank Group organised its second Contest was held. Staggering prizes from holiday Treasure Hunt, the first time ever that two hunts packages to digital cameras were given away were organised in a year • Kelab AmBank Group held its 22nd Annual General Meeting July • ‘Formula One’ fever received a boost from the • Savers’ G.a.n.g members from AmFinance Melaka Group through its support of the inaugural AmBank were treated to an educational trip to TV3 and the Group KL Precision Driving Challenge 2002 National Science Centre, Kuala Lumpur • AmFinance Perak took its Savers’ G.a.n.g April accountholders to Perpustakaan Awam Negeri Perak • AmBank Group Southern Region organised ‘The • AmAssurance organised a ‘Gotong-Royong Nite of Brilliant Rouge and Sparkling Jaune’, the Programme’ to help clean-up Rumah Anak-Anak annual regional dinner Yatim Kota Tinggi, Johor. AmAssurance also • AmFinance Pulau Pinang organised an outing for contributed RM3,000 to Pertubuhan Kebajikan its Savers’ G.a.n.g members to the War Museum, Anak-Anak Yatim Islam Kota Tinggi, Johor, to Pulau Pinang assist them in their day-to-day operations

84 Corporate Calendar

15 August 12 May Completed the acquisition of minority stake in AmBank Berhad, The Company announced that Bank Negara Malaysia has 2002representing 20.0% equity interest in AmBank Berhad, granted its consent for AMMB Holding Berhad (AHB) to satisfied through the issue of 35,496,399 new ordinary commence discussion with EON Capital Berhad (ECB) for a shares at RM1.00 each in the Company. possible merger between the two (2) banking groups. Subsequently, the negotiation in respect of the possible 13 December merger between the banking subsidiaries of AHB and ECB was Issued the RM150,000,000 nominal amount of 3.0% five-year mutually terminated. redeemable unsecured bank-guaranteed bonds 2002/2007, with up to 141,195,050 five-year detachable Warrants 9 June 2003/2007 to two (2) primary subscribers. Obtained the approval of the Securities Commission (SC), for the Proposed Bonus Issue of up to 631,101,892 new ordinary shares and the Proposed Rights Issue of up to 378,661,135 9 January new ordinary shares. AmMerchant Bank Berhad completed the acquisition of the 10.0% equity interest held by International Finance 2003 10 June Corporation (the investment arm of the World Bank) in Acquired a new subsidiary, AmNotes Series-A Sdn Bhd. Malaysian Ventures Management Incorporated Sdn Bhd for a total cash purchase consideration of RM56,415/-. 9 July The Company announced that Bank Negara Malaysia 20 March has granted its consent to AMMB Holdings Berhad to Issued 125,201,248 Warrants 2003/2008, on completion of the commence discussion with Commerce Asset Holding Berhad offer for sale to the Company’s shareholders on a rights basis (CAHB) for the possible merger of AmBank Berhad with by the primary subscribers of the Warrants 2003/2008, at an Bumiputra-Commerce Bank Berhad and AmFinance Berhad offer price of 12.37 sen per Warrant 2003/2008, based on the with Bumiputra-Commerce Finance Berhad. The aforesaid their shareholding in the Company as at 22 January 2003. approval from BNM is valid until 15 September 2003.

Financial Calendar

20 May 21 February Announcement of audited consolidated results and dividend Announcement of unaudited consolidated results for the 2002for the financial year ended 31 March 2002. financial third quarter ended 31 December2003 2002. 7 August Announcement of unaudited consolidated results for the 30 May financial first quarter ended 30 June 2002. Announcement of audited consolidated results and dividend for the financial year ended 31 March 2003. 15 August Notice of 12th Extraordinary General Meeting. 29 August 30 August Issue of Notice of 12th Annual General Meeting, Notice of 12th Extraordinary General Meeting. Dividend Entitlement and Payment, and Annual Report for 3 September the financial year ended 31 March 2003. Issue of Notice of 11th Annual General Meeting, Notice of Books Closure and Annual Report for the financial year 24 September ended 31 March 2002. 12th Annual General Meeting. 27 September 11th Annual General Meeting. 8 - 9 October Books closure for determining entitlement to dividend. 22 October Payment of first and final dividend of 5% less tax for the financial year ended 31 March 2002. 27 November Announcement of unaudited consolidated results for the financial half year ended 30 September 2002.