Promoting Orderliness

Ethical Banking

New Policies

Annual Report

Consumer Education

Human07 Capital Development

New Channels

Regional Cooperation Promoting Orderliness

Ethical Banking

New Policies

Consumer Education

Human Capital Development

New Channels

Regional Cooperation Contents

Corporate Information 2

The Council 3-4

Chairman’s Statement 5-6

Notice of Annual General Meeting 7

Report of the Council 8-12

Financial Data 13-16

Touching Lives in the Community 18-22

The Association - Its Scope 23

Directory of ABM Members 24

ABM State Sub-Committees 25 Annual Report 2007 2 (as at May 1, 2008) (from May 1, 2008) (until March 18, 2008) til June 1, 2007) September 1, 2007) laysia) Berhad (un (Ma (from

(until September 1, 2007) (from June 1, 2007) arrett nformation iyush Gupta s. Irene Dorner itibank Berhad Mr. Chan Kok Seong Mr. Standard Chartered Berhad Julian Francis Wynter Mr. EON Bank Berhad Albert Lau Mr. Berhad Chia Yvonne Mrs. HSBC Bank Malaysia Berhad YBhg Dato’ Zarir J Cama M Malayan Banking Berhad Aziz A Amirsham YBhg Datuk Omar Abdul Wahid YBhg Dato’ Sri OCBC Bank (Malaysia) Berhad Tit Beow Yeoh Albert YBhg Dato’ Ah Lek Tay YBhg Dato’ Sri RHB Bank Berhad Michael J. B Mr. Affin Bank Berhad Affin Bank Abdul Hafiz Abdul Hamidy Sri YBhg Dato’ Suan Lye Mrs. Wong Executive Director C Sanjeev Nanavati Mr. Alliance Bank Malaysia Berhad Alliance Bank Malaysia Lai YBhg Datuk Bridget CIMB Bank Berhad Abdul Razak Nazir YBhg Dato’ Mohamed Mr. P Mr. AmBank (M) Berhad Kuang Tek Cheah Mr. orporate I orporate C Chairman Bank Chairman Principal Officer Council Salleh & Co Solicitors Messrs Skrine & Co Auditors Azman, Wong, Messrs Bankers Malayan Banking Berhad 50250 No Tel : 2078 8041 : 2078 8004 Fax No email : [email protected] Website www.abm.org.my Registered Office Tower UBN 34th Floor, Ramlee 10 Jalan P. 3 Annual Report 2007 The Council Executive Director Mrs. Wong SuanLye Affin BankBerhad YBhg Dato’Sri Abdul Hamidy Abdul Hafiz Public BankBerhad YBhg Dato’Sri Tay Ah Lek CIMB BankBerhad YBhg Dato’MohamedNazir Abdul Razak Sitting (fromlefttoright) Annual Report 2007 4 Picture taken April 4, 2008 Picture taken rrett . Ba artered Bank Malaysia Berhad el J Mr. Cheah Tek Kuang Tek Cheah Mr. Not in The Picture YBhg Datuk Amirsham A Aziz Malayan Banking Berhad AmBank (M) Berhad Chia Yvonne Mrs. Hong Leong Bank Berhad Micha Mr. RHB Bank Berhad Tit Beow Yeoh Albert YBhg Dato’ OCBC Bank (Malaysia) Berhad Julian Francis Wynter Mr. Standard Ch ) Berhad

Berhad Malaysia hg Datuk Bridget Lai ON Bank Berhad Mr. Albert Lau Mr. Mr. Sanjeev Nanavati Mr. HSBC Bank Malaysia Berhad YB Alliance Bank Ms. Irene Dorner Citibank Berhad United Overseas Bank (Malaysia E Standing (from left to right) Chan Kok Seong Mr. 5 Annual Report 2007 el eevd n te M0 mlin aiiy was facility million RM500 the and received well was initiative This 2007. of of beginning end and 2006 the at floods the by affected businesses where Relief Special to sector assistance providing (SRGF) the Facility Guarantee of supportive business fully were this they to responsibility financing schemes being introduced, particularly in consumption private strong demand, domestic robust by driven years, 3 in pace fastest its 6.3%, of growth strong showed also economy Malaysian recorded a 10-year (NPLs) low of 3.2% loans as at non-performing end 2007. The net the the whilst throughout year 13% ratio least at capital remained risk-weighted (RWCR) The year. previous 31, December the than higher 29% significant a was which 2007, at as billion RM15.6 of profit tax pre- unaudited preliminary a registered Malaysia diin bns lo eosrtd hi social their In demonstrated also SMEs. the banks to addition, out reach cast to also wider nets banks their member Our microfinancing. fully subscribed. new various via banks, funds for of focus provider main business the core (SMEs) a Enterprises remained Medium-sized and Small in responsetothechangingcustomerlandscape. services banking innovative and new introduce to continued banks member as demands and needs customer of recognition in focus customer-centric savvy, more a on taken has industry banking The spending andinvestmentactivities. in banks commercial that am I note industry. the to for year pleased good a was 2007 YBhg Dato’Sri Abdul Hamidy Abdul Hafiz Chairman | The Association ofBanksinMalaysia Chairman’s Statement

r cn e ru o is civmns n the in the Firstly, achievements development. its capital human of of proud area be can try Malaysia’s With and channels. these by afforded place time of flexibility the given transactions, ing cards ATM cards, credit for pricing tiered of tion hp ot R5000 wre t 5 deserving 57 to awarded RM570,000 worth ship n-er rgam i dsge t expose to designed is programme one-year scholarships in RM500,000 pledged institutions anniversary of independence, ABM and its member 50th Malaysia’s of commemoration In programme. o lcrnc amns n itre banking. internet and payments electronic move to the support to continued Association The 07 a as a er ht h bnig indus banking the that year a also was 2007 electronic payments. language andincommunication skills. Scheme), Training Industry (Banking BITS session of fourth the completing us saw also 2007 ship ofRM2,200permonth. the in role significant a played ABM Secondly, students, eachreceivingthesumofRM10,000. with regards to improving proficiency in the English particular in employers, by required skills the the with to commitment graduates young 750 equip and develop to earlier nation our fulfilling hence and on-the-job training exposure whilst receiving a scholar classroom intensive both to participants financial sector. Commencing the December 2007, the in shortage the address to talent available of pool a creating industry,thus the join to graduates high-calibre developing and attracting at aimed is support of Bank Negara Malaysia. This programme Talent Enrichment Programme (FSTEP) with the full industry programme known as the Financial Sector scholar total a of raise to able generosity was banks, member the with and Association, 3.5 The of CGPAabove. with studies their in excelled who students year final Malaysian deserving for in the launch of the ABM 50th Merdeka Scholarship Association played a key role in leading the industry for upon leveraged be to channel across another yet is penetration phone society,of device segments hand-held various this mobile significant bank for internet use the and Terminals to Self-Service customers among preference also growing a is There payments. electronic have encouraged applications facilitate and to services display channel business banks’ key member a becoming and websites cards introduc debit as the positioned as such mechanisms Various - - - - -

Annual Report 2007 6

- - industry in Malaysia is expected to remain resil continuing to play a operational key efficiency, role in driving the economy forward and contributing to the GDP growth of 5% - 6% anticipated by Bank Negara Malaysia. As competition intensify, banks will step continues up efforts to introduce to a wider range of new and innovative products and fellow Council members and member banks their valuable for insight and contribution throughout that sure am I support, unrelenting your With 2007. positive a play to continue will industry banking the role in the growth of the economy and the nation. role in the growth of the economy and the Last but not least, I would like to thank my services. Though there are challenges ahead in 2008, with the subprime mortgage crisis in the United States and high global oil and food prices, the banking regional forums. Going beyond Malaysian shores, ABM recognises the importance of regional interaction and coop eration and thus, will continue to encourage and provide opportunities for members to participate in ient with improved risk management practices and 7 Annual Report 2007 AnnualGeneralMeeting. 4. To transactanyotherordinarybusinesswhichmaybetransactedat 3. To appointauditors. 2. To electmembersoftheCouncil. Statementsofthe Association fortheyearendedDecember31,2007. To receiveandconsidertheReportofCouncilFinancial 1. 50088 Centre, City Lumpur Kuala Lumpur, Kuala Lumpuron Thursday,Kuala June26,2008at10.30a.m.forthefollowingpurposes: Oriental Mandarin 2, Level 3, Parkview at held be will May 26,200 Executive Director W By OrderoftheCouncil IS NOTICE ong Suan Lye Suan ong HEREBY GIVEN HEREBY 8 Notice of Annual GeneralMeeting

that the 34th Annual General Meeting of The Association of Banks in Malaysia Annual Report 2007 8

- - - . (SDBs). (Banking Industry and BITS safe deposit boxes 4th Intake of BITS Likewise, banks also responded swiftly to assist their customers middle the in floods flash by hit were Lumpur Kuala when several parts of were Visits the conducted year. to the business of premises of the affected customers and applica of their SDBs are adequately insured. In continuing support of the nation’s aspirations to improve the quality and skills of human resources in the country, several key initiatives were under IBBM since its inception in 2004. processed by the banks. During the ABM year, was in talks with Persatuan Insuran Am Malaysia (PIAM) and BNM to review the safe deposit boxes policy which was be to cover additional consider to 1996, in up drawn provided to hirers of tions for financial assistance were expeditiously chase additional insurance cover from an insurer of his choice and banks would facilitate customers to do so. Banks were also required to remind all existing and new hirers to ensure that the contents ABM. taken by The 4th intake of the Training Scheme), a specially designed programme training for unemployed is led and graduates coordinated by ABM was which held the year. during ABM is happy to report that more than 400 graduates have benefited from programme the which is training conducted for banks as well as investment banks through arrangements with After consideration of several options, it was agreed was it options, several of consideration After that each hirer would be given the option to pur

- - Visit to flood affected areas to flood affected Visit ReportCouncil the of special relief facility to by help businesses affected the floods to ABM restart went their to businesses, the flood affected areas to help assure the public that applications received by the banks under the be would (SRGF) Facility Guarantee Relief Special promptly processed. A list of the banks’ contact ABM to details for the SRGF was also compiled by facilitate enquiries of the facility and a hotline was customers. set up to help the affected rapidly changing competition due environment players to new of entry and liquidity high environment, with the deregulated intense operating responded to a wide range of issues impacting the industry. Bank staff lending a helping hand With the Government’s announcement of a waiver of certain charges. The start of the year saw the industry coming out in full support to provide relief and assistance to affected customers and their employees when the floods. by hit badly was country the of part southern To ease their burdens, affected bank customers were granted moratorium on monthly instalment payments, restructuring/rescheduling of loans and Some of the key highlights are: The industry continues to be challenged by a Year 2007Year the year ended December 31, 2007. the year ended December The Council has pleasure in submitting its Annual Report and the Audited Financial Statements for in the marketplace. As banks focus on build cerning needs of their customers. In tandem with these developments, the Association pursued and ing their capacity to compete, banks’ efforts were also intensified to innovate and introduce a wide range of products and services to meet the dis 9 Annual Report 2007 ne te rgam, ,0 hgl trained highly 1,000 programme, the Under the join to financial industry. learning higher of institutions foreign and local from graduates high-calibre develop and the (FSTEP) Programme Talent Enrichment on embarking BNM collaboration with in operators takaful and Islamic companies banks, insurance institutions, investment financial development banks, banks, commercial comprising industry financial the saw also year The the financialsector. to allocated graduates unemployed 1000 of out 750 help to commitment their fulfilled have would banks banks, 2 by trained those with together and intake other industries. With the completion of the from 4th BITS employment obtain to managed have Others banks. the with employment time full into absorbed attachment subsequently were and institutions banking the with offered were participants the of Most rm h idsr paes n BM o dniy 50 identify to BNM and players industry the from obtained also was Commitment recruiters. the train the to and recruiters develop for module training and orientation to group focus a formed ABM ment, included also which up drawn was programme sive eries o odc itriw ad eet the the FSTEP hadcommencedinDecember2007. select under graduates the and of batch first The interviews candidates. conduct to recruiters recruit and process selection the For internship. inten year one a design, programme the Under institutions. understanding amongstthefinancial of memorandum a of drafting the and participants the for format registration the at looked and Group Working Administration the in participant strong a also was ABM recruitment. and design programme i.e. members Council ABM by led groups working two in lead the took industry The 2009. of by end the sector financial the in shortage the address to produced be to expected are professionals industry FSTEP recruiters’briefing oftheCouncil Report FSTEP Financial Sector Sector Financial participants atwork to attract - -

h tmn, prah n ipeetto of implementation and approach timing, the were disclosures synchronizing include party These MASB. to highlighted related and instruments financial disclosure to year. relating the issues during Several Association the by addressed issues accounting and Tax for businesses. Framework Regulatory and Legal conducive a creating and Remedies and Right Members’ on Program Reform Law Corporate response on the different provisions reviewed industry by facilitated the and reviewed Association The transactions ofJuly1,2007. customers before the compliance deadline for repo approval their to Deposits Market BNM’s Money offer to banks obtained for have to pleased are We deposit. of type this for coverage deposit insurance no be would there and RM100,000 was day.threshold 1 minimum of The tenure minimum a with tenure any be could deposit the of tenure the where Deposits Market Money offer to BNM to Repurchase the Agreement. execute A to proposal was submitted banks for feasible be not would it that most repo transactions are short term in nature, view In transactions. repo their all for Agreement were required to execute the Global Master Repurchase banks 2007. Notes, Guidance 1, revised July the on Under effect into come would which BNM’s with complying revised Guidance Notes in on Repurchase banks Agreement the of concern the was year the during resolved Association the front markets capital the On not besubjecttowithholdingtax. was requested that manufactured payment should payment manufactured that requested was it where treatment tax to relation in facility Lending also ABM proposed amendments to Securities Borrowing and addition, In the on Malaysia Bursa to responded 2. and reviewed Basel and FRS139 a e ise that issue key a , otne t be to continued covering areas covering

Annual Report 2007 10

- security at current fraud

- - booklets to educate the to prevent thefts of ATM remains

Dialogue with the Police my ATMs. Banks were reminded to improve to reminded were Banks ATMs.

and the modus operandi of the fraud cases fraud the of operandi modus the and collaboration collaboration with BNM had Consumer come up Education with the consumer of the banks’ products ensure To a wider and readership, ABM undertook the services. translation of the Consumer Education into booklets Mandarin and Tamil. For this purpose, ABM obtained the commitment of the Council banks to take on the translation of their allocated booklets. A total of 20 booklets were translated. happy to report that the translation was completed ABM is on the lighting and quality of the to CCTV assist images police investigations and also to deter secure the secure information on banks, thus giving members of the pub continued to update readers on the develop an important source of its monitoring mechanism. information. The Association has always remained committed measures necessary the take banks that ensure to to minimize the incidents of fraud. During the year, the Association held the talks with Criminal Investigation Dept to at explore Bukit measures Aman the to bank enhance premises machines. Measures taken by physical measures and alarms that banks are connected included to a centralized monitoring system in order to robbery attempts. ABM facilitated the trends sharing of impacting the industry. Measures to combat fraud were discussed which vigilant more be include policy, customer” your “Know banks place putting in in processing loan applications and strengthening ahead of the deadline set by BNM. ahead of the deadline The ABM’s newsletter, Balanced View also www.abm.org. ments in the banking sec tor. tor. The ABM website related banking to access lic - - Build , which is of the banking and financing to banking services, highlighted in the media and by the Bankers at one of ABM’s functions Bankers at one of manage public perception to the media. Financial Mediation Bureau

industry. industry. A key concern reported was that in banks were referring to credit the reference media agencies as a source of reference in their credit evaluation process. To alleviate public’s information on concern, rely not do banks that explained ABM from only one source and decisions are not based solely on checks made with an agency but are Efforts Efforts to improve consumer literacy of products banking and Association’s services agenda. Over remain the high years, ABM in on the an alternative to the courts. The Complaints/issues relating to bankcharges, easy availability ofcredit cards, servicesATM dependent on many other factors and criteria. swiftly were Centre Complaints Consumer National addressed. In addition, ABM also shared on the industry’s position on topical issues such as and Sell Concept, credit cards SMEs During the year, the Association took role to an active able. The banking industry’s commitment towards the the by reflected as strong remains SMEs of growth many innovative products that are developed meet to the wide spectrum of SMEs’ financial needs. In addition, activities and workshops were orga promoted by the industry, continues a to broad range the resolve provided has of It retail institutions. financial the consumer against issues raised public with a prompt and effective avenue to refer as compensation for claims or disputes complaints, nized by the banks for SMEs to educate them on the various products and services that are avail 11 Annual Report 2007 hogot h ya, aid nuty issues industry varied year, the Throughout r spot hw b al gnis o nue the ensure to agencies all by shown support firm expressed their appreciation on the cooperation and and on-going planned initiatives. The assessors had authorities the with cooperation national regime, AML/CFT the ABM in involvement (CFT). banks’ terrorism the presented of financing counter and improve efficiency, ABM also requested for incentives issues related resolve to Ministry the Finance the and with environment working include These forums. various in economy business the towards input improving give to continued Association The success oftheon-sitevisit. on international standards the with compliance country’s the of who were in Malaysia to perform a mutual evaluation assessors their with meet to Laundering Money on Group Asia/Pacific the by requested also was ABM was raisedtoBNM. Requirements Programme and reviewing Bursa Malaysia’s penalty fees late and interest interest-in-suspense, of waivers giving and facilities, the on credit AKPK to input revolving and overdraft the reviewing Lumpur, Kuala to states various the from cheques arrangements courier the for time property and closing of a the business, coordinating shortening as such ranking in Malaysia’s the World Bank improve Report on Doing Business to PEMUDAH by up set were include giving input on the various focus groups that continued to be addressed by the Association. These oftheCouncil Report ofietaiy sauoy biain o bns as entities non-bank of banks obligations contractual against of obligations statutory confidentiality, data of issue the where creditors non-bank to base user bureau credit the expand to BNM by proposal the on concern industry’s the highlighted also ABM . fetn te akn sco. To sector. banking the affecting omtet fee commitment anti-money laundering laundering anti-money under the Debt Management matrix for interest rates rates interest for matrix for the timely delivery of o unutilized for

registering of of registering income tax tax income Listing Listing (AML)

thanks go to our member banks for their support their for banks member our to go thanks heartfelt Our recipients. 57 to out given were and target the exceeded scholarships of number the that report to happy is ABM received, applications of number overwhelming the to Due potential. full their reach may they that so talents young nurture ABM also participated in the in participated also ABM incurred. withholding in reduction development, product for activities development and research on banks for and generosityinmakingthisinitiativeasuccess. a rt o RI ad egr eae expenses related merger and REIT on rate tax nation by pledging RM500,000 i.e 50 scholarships 50 i.e RM500,000 pledging by nation the to back contribute to decided members its and To commemorate Malaysia’s 50th anniversary, ABM nation the to Contribution energy efficiencyinMalaysia. Communications, ABM looked at efforts to promote and Build Water Energy, of Then Ministry the Sell With or concept. Sell Then Build for whether assessment and criteria lending bank’s individual the developers’ credit standing, project viability and to subject be to continue will developers to funding concept Sell Then the was Government Local and Housing of Ministry the with reviewed was that issue major A Affairs.Consumer and Trade Domestic of Ministry the Ministry of International Trade and Industry and Recipients ofthe ABM 50thMerdekaScholarship where ABM had reiterated that Scholarship Merdeka 50th The ABM study. of year final their Malaysian in students to each worth annual dialogues annual

0 0 0 , 0 1 M R aimed to Build Build of

Annual Report 2007 12

- - -

- assistance and guidance. On behalf of the Council Wong Suan Lye Executive Director December 31, 2007. December 31, 2007. Changes to the Council At the 33rd 2007, 15, June Annual on held Meeting General Public Bank Bhd and RHB Membership strength As at December 31, 2007, the ordinary member Bank Bhd were Alliance re-elect Bank Malaysia Bhd, AmBank (M) Bhd and Bank EON Bhd were co-opted Council as members for the year. Affin Bank Bhd remained ensuing the as for Bank Chairman year. Conclusion indus the for challenging been indeed has year The try. try. Going forward, the Association remains com mitted to assist member banks in addressing issues to forward looks Council The industry. the impacting member banks’ continued support and cooperation even as the industry strategically positions itself to remain relevant. The Council also wishes to thank Bank Negara, the Ministry of Finance, Government agencies and other regulatory authorities for their ship of the Association remained at 22 commercial banks operating in The Malaysia. branch network of at as branches 1993 to increased banks commercial ed as Council members.

- - - - . These meetings have

Association represents Malaysia at the at Malaysia represents Association the annual meetings of the APEC Financial Institu strategies for SMEs’ development. Regionally, Regionally, ABM also Banking Council Meeting hosted by participated Banks in Association. Taking into the cognizance the need for 37th banks to cooperate and work together to make ASEAN programmes the key several relevant, increasingly region Banking Council. ASEAN were adopted by the participating countriescreated opportunities to amongst forge the closer financial exchange institutions linkages ideas on in best APEC banking practices to and level. At the ASEAN level, ABM, as the chair of the RegionalActivities Permanent Committee on ASEAN Relations Inter-Regional organized and led a 16 member delega between ASEAN banks and banks in Mumbai and regional the at collaboration greater motion in set will tions dealing with SMEs. The objective of the an nual meetings is to review cooperation activities in the past year and discuss future plans among the tion from ASEAN 6 countries to India in early 2007. The ASEAN Banking Council had agreed that con tacts should be established with the region to build inter-regional relations with banks outside ASEAN. Arrangements were made to visit the Indian Banks’ Association and several of their The visit has member paved the way for banks. closer cooperation 13 Annual Report 2007 Total Assets, Total LoansandTotal DepositsofCommercialBanks Total Deposits Total Loans Total Assets Hawkers’ Deposit) Special deposits& NCDs, NIFdeposits, (excluding Total Total Assets Dep osits 329,639 355,780 629,635 million RM 2003 Increase 11.8 9.8 5.2 % 393,260 447,781 761,983 million RM Fin 200 Increase an 4 1 25.9 21.0 % 9.3 cial Data 432,297 526,227 885,909 million RM 200 Increase 5 17.5 16.3 9.9 % 1,025,317 489,305 584,950 million RM 200 Increase 6 13.2 15.7 11. % 2 Fixed Deposits Demand Deposits Savings Deposits 1,145,331 518,430 635,878 million RM 200 Increase 7 11. 6.0 8.7 % 7 Annual Report 2007 14 tio a ed t tio R h a

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e i o l t c � n n e a � m a n s r u m d h n i o a e � a a i h n � t o e o u g l d r � i n t r � � F B W a M A M E W E o P T C R O C � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 4,500,000 4,500,000 4,500,000 15 Annual Report 2007 4,500,000 4,500,000 4,500,000 1000 1200 1400 1600 1800 Other Self-ServiceTerminals (SSTs) Bank Branches/ATM/ No. ofBranches/SSTs

200 400 600 800 Other Self-Service Terminals (SSTs) Bank Branches/ATM/ 1000 1200 1400 1600 1800 of CommercialBanksfrom2003-2007 Growth ofBranchesandSelf-ServiceTerminals (SSTs) Commercial BanksasatDecember31,2007 Bank Branches,Self-ServiceTerminals & Alternative DeliveryChannelsof Financial Data 1000 1200 1400 1600 1800 Other Self-ServiceTerminals (SSTs) Bank Branches/ATM/ No. ofBranches/SSTs 1000 2000 3000 4000 5000 6000 7000

200 400 600 800 No. ofBranches/SSTs

200 400 600 800 1000 2000 3000 4000 5000 6000 7000 0 1000 2000 3000 4000 5000 6000 7000 0 0 0 0 Other Self-ServiceTerminals (SSTs) Bank Branches/ATM/ Other Self-Service TerminalsOther Self-Service Terminals (SSTs) (SSTs) Bank Branches/ATM/Bank Branches/ATM/ Perlis 1000 1200 1000 1000 1400 1200 1200 1600 1400 1400 1800 1600 1600 1800 1800 0

No. ofBranches/SSTs No. ofBranches/SSTsNo. ofBranches/SSTs Perlis

200 400 200 200 600 400 400 800 600 600 800 800 1000 1000 1000 2000 2000 2000 3000 3000 3000 4000 4000 4000 5000 5000 5000 6000 6000 6000 7000 7000 7000 2003 Perlis

Kedah 2003 0 0 0

0 0 0 Kedah 2003 Perlis Perlis Kedah

2003 2003 2003 Penang Kedah KedahKelantan 2004 Penang Terengganu

Penang Penang Kelantan 2004

Kelantan 2004 2004 2004 2004

Kelantan Kelantan 2005 Terengganu Pahang TerengganuTerengganu Terengganu

Perak 2005 2005 2005 2005

2006 Pahang PahangWPPahang KualaSelangor Lumpur 2005 Pahang

Perak Perak WP Putrajaya Perak 2006 2006 2006

WP KualaWPSelangor Lumpur KualaSelangor Lumpur 2007 Perak WP KualaSelangor Lumpur 2006 WP Labuan WP KualaSelangor Lumpur 2006 Negeri Sembilan WP PutrajayaWP Putrajaya Year 2007 2007 2007

WP Putrajaya WP LabuanWP Labuan 2007 Negeri SembilanNegeri Sembilan WP Putrajaya Melaka Year YearYear 2007 WP Labuan Johor NegeriWP SembilanLabuan

Melaka Melaka Year Sabah Self-Service Negeri Sembilan Terminals Year (SSTs)

Sarawak Branches No. ofBank Other SSTs ATMs Johor Johor

Sabah Sabah Melaka

Sarawak Sarawak Melaka 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 0 Population Johor Johor

(SSTs) Terminals Self-Service Other ATM Network Bank Branches Population Sabah 500,000 500,000 500,000 1,000,000 1,500,000 1,000,000 1,000,000 2,000,000 1,500,000 1,500,000 2,500,000 2,000,000 2,000,000 3,000,000 2,500,000 2,500,000 3,500,000 3,000,000 3,000,000 4,000,000 3,500,000 3,500,000 4,500,000 4,000,000 4,000,000 4,500,000 4,500,000 0 0 0 Population Population Population Sabah Sarawak

Sarawak 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 0 Population 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 0 Population Annual Report 2007 16 3 ------✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Banking PC / Desktop ------✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Tele - Tele Banking 4 ------✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Mobile Banking Alternative Delivery Channels ------✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Internet Banking 2 ------1 70 140 195 129 222 891 204 301 220 147 540 254 128 4985 1543 Others ------4 85 38 65 82 190 291 123 421 511 137 148 309 Self - Service 6147 1245 2498 ATM Terminals (SSTs) Terminals 7 1 1 5 4 1 1 1 1 40 29 37 41 84 86 135 185 371 241 184 174 364 Bank 1993 Branches 1

Banks ABN AMRO Bank Bhd Bank Berhad Affin Alliance Bank Malaysia Bhd AmBank (M) Bhd Bhd Bhd Bank of America Malaysia Bhd Bank of (Malaysia) Bhd UFJ (Malaysia) Bank of Tokyo-Mitsubishi CIMB Bank Bhd Citibank Berhad Deutsche Bank (Malaysia) Bhd EON Bank Berhad Hong Leong Bank Berhad HSBC Bank Malaysia Bhd Bank Bhd Morgan Chase J.P. Malayan Banking Berhad OCBC Bank (Malaysia) Bhd Public Bank Bhd RHB Bank Bhd Standard Chartered Bank Malaysia Bhd The Bank of Nova Scotia Bhd United Overseas Bank (Malaysia) Bhd Total 4. Standard Chartered Bank Malaysia Bhd’s Mobile Banking refers to sms banking and sms alerts 4. Standard Chartered Bank Malaysia Bhd’s Notes: Bank Branches, Self-Service Terminals & Alternative Delivery Channels of Delivery Channels Alternative & Terminals Self-Service Bank Branches, December 31, 2007 Banks as at Commercial 1. With effect from 14 April 2008, ABN AMRO Bank Bhd is known as The Bhd AMRO Bank Bhd is known as ABN April 2008, from 14 1. With effect Update include Cash Deposit Machines, Cheque Deposit Machines, Cheque Scan Machines, Passbook Other SSTs 2. Internet Kiosks Machines, Statement Printers, only) UFJ (M) Bhd’s PC/Desktop Banking - Internet banking (for corporate customer Tokyo-Mitsubishi 3. Bank of

g h c Annual Report 2007 18 ouse of one of ouse s. m roo ws & walls, whi walls, & ws r visited the h the visited r windo of the SJK Tamil Ladan Tamil SJK the of g rs late rs

up the up eanin g -cl ring eanin e furniture, and other and furniture, e the sp the ent the cl the ent ning of th of ning 5 feet. The voluntee The feet. 5 s ated in ated clea rs sp rs p ctims i rtici Presentation ceremony of v a high a high s the ABM 50th Merdeka Scholarship the ns a ns ped with the with ped Muar p Muar l e ar. The voluntee The ar. Bank staff hard at work helping in restoration efforts Bank staff r Mu r s and h and s o Another achievement that The Association is proud announce to is the successful completion of the Industry Banking Training Scheme in October 2007. Known BITS, as this training graduates unemployed programme of competencies and marketability aimed to improve the to the level expected by employers, in response to government’s call to re-train unemployed graduates. the Developing the Community The banking industry has always been committed to the development of human capital with to build various the initiatives potential of productive. Malaysians In to celebration be of skillful the and nation’s independence, 50th the year Association of initiated the ABM Merdeka 50th Scholarship. Under scheme, this member ABM banks final sponsorship year sponsored students in local universities nationwide of 3.5 or higher. who achieved a score of CGPA well-deserving With a total scholarship amount awarded to 57 students, of it is hoped that the sponsorship RM570,000 being and studies their in excel to recipients the motivate would be eager to contribute to the nation upon graduation. and facilitated the collection of funds for Tabung Bantuan and facilitated the collection Tabung of funds for clothes food, of terms in provided also was Aid TV3. Banjir and building materials. Furthermore, availed themselves bank to help staff in the also areas. cleaning-up, of affected and restoration efforts moving Cleaning for Flood for Cleaning with mud stai mud with gue nch d a rs from HSBC from rs 2007 re Pa n

dro 6 January 6 voluntee 10 were cove were of their colle their of Lana MUA Spring MUA in CSR for Focus on CSR on CSR Focus Responsibility(CSR), Touching Lives in the Community in Lives Touching significant achievements in Malaysia as banks have long been long have banks as Malaysia in Flooding and torrential rains led to unexpected national disasters experienced in several parts of the country in late 2006 and early 2007, leaving many lives reeling in its aftermath. The humanitarian face of the industry was seen when banks galvanised into action to support the Responding to communities in need both the Association and its members. Association both the

The humanitarian face of further revealed the when member banks banking donated millions industry of ringgit in cash as well as was made contributions to public funds such as NSTP Flood Assistance, Victims Yayasan small businesses received the necessary aid. The industry’s resolve was reflected in the extra effort put effort extra the in reflected was resolve industry’s The in by bank staff who worked overtime during that period to expedite processing the SRGF loans for their Malaysians. fellow This resulted in an average processing time of a As week at or 23 less March for the loan application. 2007, it was officially announced that about 60% of the approvals were for loans RM100,000 and 37% for below, loans with RM50,000 and below, an indication that and rescheduling of loans. Both the Association and member banks to went expedite all processing out of loans RM500 available made which (SRGF), for Facility Guarantee the Special Relief million to assist businesses affected by the floods. The Association visited flood features of affected the areas Facility information. further obtain to public the for banks member and to also provided explain contact Besides banks actively proactively publicising the facility, of approached their customers in enquire the if affected assistance areas was needed. to banking damaged of replacement free offered also banks At the same late of waiver cards, time, ATM and chequebooks as such items payments instalment loan of deferment charges, payment victims in a variety of ways. Today, termed as Corporate Social Corporate as termed Today, 2007 was a year of contribute to the other areas of community life. contribute to the other itisnot newa area that benefitinvolved in various activities the community. Banks often grow and develop with a community. Being among the earlier services offered, banks enjoy a long history with the communities This in relationship moves which beyond they economics operate. as banks Nanyang Press, Help a Family Campaign by The Star 19 Annual Report 2007 banking industry itself whilst others found employment in employment found others whilst itself industry banking the in employed being graduates several with graduates unemployed 750 training in resulted has banks member with partnership this 2004, in commencing Since bank. the added opportunity of being attached to the sponsoring with programme the for graduates unemployed sponsor and identify to members its organised Association The adopted bythebank. examples are: Some operate. they which in communities the involving projects in engage relationship banks as years, the symbiotic over grown has this Malaysia, socio-economic In their for development. them on dependent also are which communities within grow and interact live, Banks Community the to Going various areas. in community the of needs the met and lives the touched that initiatives banks’ member highlight to pleased thus is Association The aid. provide to way their of out went banks member efforts, relief official the above and Over other industries. ee wlae homes welfare seven and effort to assist in time the their volunteered the employees programme, Under Cahaya Kasih Maybank outreach its efforts. in community employee volunteerism include to initiatives responsibility corporate its

expanded social

atesi wt te oa cmuiis t evs serves. it communities local the with partnership rnhs ae en dnie a a Dcme 2007. December at as identified been have branches utemr, 7 epoes ae atcptd as participated have employees 170 Furthermore, odc tann itral ad xenly including externally, and internally training conduct n a 20, 5 omnt Ln poet wt a with projects conduct Link involving Community million customers RM2.25 55 inception of value time Since 2007, branch. May each specific in the fund pre-determined at the a transactions contributes to and sum project relevant volunteers intheseCommunityLinkprojects. branch Communit rie bn saf nw a HV Champions HIV as known Specially staff adults. bank young among trained the of especially awareness the raise disease to aims HIV” with “Living local community. of Charter two are Standard Believing” is “Seeing and HIV” with “Living out in‘gotongroyong’activitieswiththevillagers. AFFINB Besides, financial aid, AFFINBANK employees also help also employees aid, AFFINBANK financial Besides, Terengganu.and Kedah Melaka, as such states other to extended now have Efforts Kelantan. Bachok, in families poor core hard 43 of houses the rebuild to RM500,000 of excess in aid financial provided AFFINCare whereby poor hardcore the for key houses of building Athe was project AFFINCare. in resulted society the of members

ANK ok wt cmuiy edr t ietf a identify to leaders community with works y ’s Link eemnto t rah h tuy needy truly the reach to determination , launched ed ’s ntaie ipeetd n the in implemented initiatives n a 20 is 2007 May in universities. col, olgs and colleges schools, in workshops running

atcpto b 60 by participation CI MB Each ’s ’s

Annual Report 2007 20

to The contributed contributed (Malaysia) in a lurch. RM100,000 Star’s “Help A Family” campaign to ease the burden of families left

United Overseas Bank will encourage prudent financial “Adventures with Agent Penny” is a comic ’s nk colourful, comic-styled activity comic-styled colourful, money, money, interactive and financial tips is designed puzzles to captivate 10-14 year olds. This financial literacy booklet produced by secondary schools. also bank the banner, Kewangan Kelab Alliance the Under participated in a series of financial education workshops throughout the country. Citiba to 72 schools. In another effort, Citibank’s Young Enterprise Program, whereby Klang Valley the sponsors secondary schools in staff volunteers work learning the fundamentals of building a viable business. with 16-year-olds to facilitate Recognising Recognising that the affect floods the in early Chinese 2007 New would Year festivities which GoingYoung Not only are they involved in current community projects, banks also recognise young develop to contributed been has much and leaders the importance of people. tomorrow’s Money”, of Quagmire the “Solve a book, with fun facts about was around that time, Alliance Bank management amongst school-going children. Thus far, 20,000 copies have been distributed to 163 primary and book designed to instill good money management for the 10-12 year olds. Agent Penny takes on the and saving of importance the element on children these educating of date, budgeting. 37,000 To copies have been distributed

mBank Group A The Bank of Nova participated in the Terry to the Cancer Research Initiatives Initiatives Research Cancer the to Foundation. Employees of Scotia for funds raise help to KL Run Fox cancer research. Fifty countries around the world Terry Fox organise Run annually, the inspired funds raise to vision man’s one by for cancer research. donated In were 2007 in raised KL, funds the

distributed RM500,000 worth of relief of worth RM500,000 distributed HongLeong Bank goods to various relief centres in Johor in aid of the flood provided manpower and equipment in the form of 10 jet skis and 10 boats for much-needed transportation during this period. AmBank Group’s relief deployed in sub-teams team to assist in of various areas 95 in the Kota one Tinggi were vicinity, of the worst hit areas, to help in supplies disbursing and moving premises, of clean-up the victims. to these victims. Moved by the plight of the flood victims, flood the of plight the by Moved shown below: programmes. Many member banks came forward to provide aid relief during the floods in a variety of ways, some of which are “Seeing “Seeing is Believing”, is a partnership the with Malaysian Medical Association of Fund. Eye over RM400,000 Contributions have been made efforts towards to sight of those from suffering curable blindness as well as restore the to produce an awareness programme on prevention of such blindness. Over 1,500 poor and needy Malaysians have had their sight restored. A critical element of both programmes is staff engagement gives two additional days whereby for staff to participate in the these Bank 21 Annual Report 2007 as well as to encourage early savings among Malaysian among savings early encourage to as well as youths the and for inspiration an SPM as acts PMR, award The STPM. UPSR, as such examinations public government in well scored who holders Account Junior o h Gr Gie soito o Mlyi’ cl wt a with call Malaysia’s of Association Guides Girl the to eeomn a te onr’ ftr wl dpn on depend will youth future calibre. moral high with of leaders country’s part the important as very development a is character Building potnt t sed dy ad ngt wt them, with nights 2 and days 2 spend to the opportunity given were children The Anak-Anak. Asrama from children 2 of maximum a adopt to choice the given were Staff Valley. Klang the in programme Adopt-An-Orphan youth. Awards by Junior Smart the results, academic excellent Rewarding participating inthefamily’sregularroutines. 2007, of month fasting the During educating childrenoncrimepreventionmethods. at aimed Kids” 12- for Tips Prevention “Crime a booklet page launched Ministry Education and police the with transport public major hubs. group In addition, the RHB and Banking banking Group in collaboration malls RHB shopping all branches, at available made also were information relevant with leaflets and Posters children. information via online and e-mail alerts with latest Police updates on missing the dedicated with link direct Families a and call a to public for Reuniting hotline provided – RHB Children programme. Missing the initiated Police, Malaysian Royal the with closely Working donation ofRM50,000. EON Bank EON is an annual cash award for Smart Public Bank Public AFFINBANK responded launched RHB RHB aiu aece, h cmag am t pat 20,000 Cheras, in Pond Retention plant Flood Johor Seri the at to trees aims campaign the agencies, various with collaboration in and Bank Public by RM1million pledge of a With generations. to future of enjoyment need the for critical the environment the of preserve and emissions carbon reduce awareness greater create to niomn a a eay o te uue eeain of generations future the for legacy a as our environment of efforts conservation the in engaged actively are banks member hence, and leave in live can they to world a them important is it young, the developing Besides Green Going to takeapicturewithher. hesitate didn’t who children the with hit a was Manja utan, orang cuddly zoo’s The Negara. Zoo at programme literacy and party DeepaRaya their of culmination the at homes and orphanages hosted 196 children from various conductingreefchecksurveyswithReefCheck ConservationoftheKualaSelangorNatureParkin > Malaysia Goingoffshore, HSBC’sstaff areinvolvedin wetlands. > SupportfortheSoutheast Asia RainforestResearch > in se this In Malaysia. Bank Chase Morgan JP and preservationoflocalheritage. exhibitions of patrons and sponsors main the among are as well as have an appreciation of arts and culture. Banks heritage local country’s the of proud are citizens its that As Malaysia progresses in the 21st Century, it is important Culture and Art Going award (OSHA) Act National Health competition 2007. the and in Safety category Occupational Estate Real and Insurance Institution, Financial the under Minister Prime the by out practices. Its Prai branch won an excellence award given the area of Occupational Safety and Health management Bank’s Leong Hong Kuala Lumpuroverthenext2years. of thrust the was Treeplanting PartnershipwithWWFMalaysiatopromote partnershipwiththeMalaysianNatureSociety > Programme (SEARRP) veral programmes rea of environment conservation, environment of area niomna peevto i in is preservation environmental : in DanumValley, Sabah. Public Bank’s Public

HSBC

campaign is a is

ctive Annual Report 2007 22

HSBC’s Maybank’s decided to enlarge its CSR footprint. RM2million extensive involvement in the art scene has OCBC Through its Operations & Technology Division, week full a for Indonesia Bandung, to travelled Managers Senior of community development work. Working with Habitat for Humanity and Mercy and Relief, distributed they essential built items 3 three to orphanages. houses The 250 team orphans also sponsored from the final over 3 years has allowed the full Suffolk House, restoration “Great the House of of first Penang” and the purest example of Anglo-Indian architecture In conclusion, the banking industry remains committed to committed remains industry banking the conclusion, In Responsibility Social Corporate its through community the activities and will continue to play a part in the life of the community for the long term. examination fees for orphans of school-leaving age. In 2007, landslide victims of Guinsaugon. In true Malaysian spirit, banks have moved beyond our In reaching communities outside Malaysia, Going Regional countries. shores to help the needy communities in other contributionof outside India. international offices also engaged with the communities to support provided Maybank locations. respective their in ongoing help to (PNRC) Cross Red National Philippine the rehabilitation efforts for displaced MAYBANKALINGA the expanded also It Bicol. in Reming victims of Typhoon project, extending help to children of Caritas Manila and In the area of building restoration, Kelantan. “Landscapes” art exhibition by artist from Guangdong which provided Malaysians a rare a paintings. landscape renowned Chinese exquisite view Chinese to opportunity Over RM420,000 was exhibition raised for from two the Upaya Kurang Orang Yayasan and charities, Malaysia Foundation “Landscape” the Alzheimer’s Disease Also in May 2007, Maybank showcased The Maybank’s fellow of benefit the for displayed exhibitions art many seen Malaysians.In May 2007, for the first collection time, of Cuban art in Malaysia the by Cuban artists was largest 50th the commemorate to work their showcasing featured Merdeka celebration of Malaysia. This was a partnership between Maybank and the Cuban Embassy to host an art exhibition entitled “Independence Convergence Presumptions : A Homage & to Malaysia’s Independence Art”. through 23 Annual Report 2007 The Association Regulation Rules and and Policy Operations 30% Akademi IBBM Holdings SdnBhd ABM-MCD Sdn Bhd Education and Awareness Consumer Communications - ItsScope environment, Facilitating aconducivebanking and ethicalbankingpractices Risk Fraud and Compliance Sdn Bhd BCF Holdings Liquidation) (under MembersVoluntary Clearing CorpSdnBhd 18% MalaysianFutures ABM promoting orderliness Association Bankers ASEAN of Capital Development Markets Money and Development Capital Human 20% ASEAN Limited Corporation Finance (Malaysia) SdnBhd AFC Holdings Forums APEC Service Information to Members

Regional Bureau Mediation Financial Fund Supreme ASEAN Annual Report 2007 24 -

email: [email protected] tered.com BERHAD SCOTIA THE BANK OF NOVA Menara Boustead 69, Jalan Raja Chulan LUMPUR 50200 KUALA Tel : 03-2141 0766 Fax : 03-2141 2160 www.scotiabank.com.my Website: email: [email protected] BANK OF THE ROYAL SCOTLAND BERHAD (Formerly known as AMRO Bank Berhad) ABN Level 1, Menara Maxis Kuala Lumpur City Centre 50088 Kuala Lumpur Tel : 03-2160 9888 Fax : 03-2160 9993 www.abnamro.com.my Website: email: mail my-communication @abnamro.com.my UNITED OVERSEAS BERHAD BANK (MALAYSIA) Menara UOB Jalan Raja Laut LUMPUR 50350 KUALA Tel : 03-2692 7722 Fax : 03-2691 0281 www.uob.com.my Website: PUBLIC BANK BERHAD PUBLIC BANK Bank Menara Public Ampang 146, Jalan LUMPUR 50450 KUALA Tel : 03-2176 6000 Fax : 03-2163 9917 www.pbebank.com Website: email: [email protected] RHB BANK BERHAD 2 & 3 Towers Head Office, RHB Centre Razak Tun Jalan LUMPUR 50400 KUALA Tel : 03-9287 8888 Fax : 03-9287 9000 www.rhbbank.com.my Website: email: [email protected] CHARTERED STANDARD BERHAD BANK MALAYSIA Menara Standard Chartered 30, Jalan Sultan Ismail LUMPUR 50250 KUALA Tel 7777 : 03-2117 Fax 6006 : 03-2711 www.standardchartered.com.my Website: email: [email protected]

Menara Maybank Perak Tun 100 Jalan LUMPUR 50050 KUALA Tel : 03-2070 8833 Fax : 03-2070 2611 www.maybank2u.com.my Website: email: [email protected] BERHAD OCBC BANK (MALAYSIA) Menara OCBC Perak Tun 18, Jalan LUMPUR 50050 KUALA Tel : 03-2034 5034 Fax : 03-2698 4363 www.ocbc.com.my Website: email: [email protected] MORGAN CHASE BANK BERHAD J.P. Level 26, Menara Dion Jalan Sultan Ismail LUMPUR 50250 KUALA Tel : 03-2270 4111 Fax : 03-2270 4110 BANKING BERHAD MALAYAN 288, Jalan Raja Laut LUMPUR 50350 KUALA Tel : 03-2694 1188 Fax : 03-2694 9588 www.eonbank.com.my Website: email: [email protected] HONG LEONG BANK BERHAD Level 2, Wisma Hong Leong 18, Jalan Perak LUMPUR 50450 KUALA Tel : 03-2164 2828 Fax : 03-2715 6363 www.hlbb.com.my Website: email: [email protected] BERHAD HSBC BANK MALAYSIA Ampang 2, Lebuh LUMPUR 50100 KUALA Tel : 03-2070 0744 Fax : 03-2070 1146 www.hsbc.com.my Website: CITIBANK BERHAD Citibank Level 45 Menara Ampang 165, Jalan LUMPUR 50450 KUALA Tel : 03-2383 8585 Fax : 03-2383 6000 www.citibank.com.my Website: email: [email protected] BERHAD DEUTSCHE BANK (MALAYSIA) Level 18-20, Menara IMC 8, Jalan Sultan Ismail LUMPUR 50250 KUALA Tel : 03-2053 6788 Fax : 03-2031 9822 www.db.com/malaysia Website: EON BANK BERHAD 12th Floor, Menara EON Bank Menara EON 12th Floor,

Directory of ABM Members ABM Directory of email: callcentre@.com CIMB BANK BERHAD Bangunan CIMB 5th Floor, Jalan Semantan Damansara Heights LUMPUR 50490 KUALA Tel : 03-2084 8888 Fax : 03-2093 9688 www.cimb.com Website: email: [email protected] 8, Jalan Sultan Ismail LUMPUR 50250 KUALA Tel : 03-2034 8000 Fax : 03-2078 8870 email: [email protected] TOKYO-MITSUBISHI BANK OF BERHAD UFJ (MALAYSIA) Menara IMC Level 9 - 11, Wisma Goldhill Jalan Raja Chulan LUMPUR 50200 KUALA Tel : 03-2032 1133 Fax : 03-2031 9087 www.bankofamerica.com Website: BERHAD (MALAYSIA) BANK OF CHINA Plaza OSK Grd, Mezz. & 1st Floor, Ampang 25, Jalan LUMPUR 50450 KUALA Tel : 03-2162 6633 Fax : 03-2161 4240 www.boc.cn Website: email: [email protected] BERHAD MALAYSIA AMERICA BANK OF BANGKOK BANK BERHAD H S Lee Tun 105, Jalan LUMPUR 50000 KUALA Tel : 03-2072 4555 Fax : 03-2078 8569 www.bangkokbank.com Website: email: [email protected] AMBANK (M) BERHAD AmBank Group Bangunan 22nd Floor, 55, Jalan Raja Chulan LUMPUR 50200 KUALA Tel : 03-2078 2633 Fax : 03-2031 6453 www.ambg.com.my Website: email: [email protected] Capital Square Abdullah 8, Jalan Munshi LUMPUR 50100 KUALA Tel : 03-2694 8800 Fax : 03-2694 6727 www.alliancebank.com.my Website: 80 Jalan Raja Chulan 80 Jalan Raja LUMPUR 50200 KUALA Tel : 03-2055 9000 Fax : 03-2026 1415 www.affinbank.com.my Website: email: head.cf@affinbank.com.my BERHAD ALLIANCE BANK MALAYSIA Menara Multi-Purpose 5th Floor, AFFIN BANK BERHAD AFFIN BANK AFFIN Menara 17th Floor, 25 Annual Report 2007 State ABM NegeriSembilan ABM MelakaState ABM SelangorState

Sub-Committee State ABM Perak

State ABM Penang

Sub-Committee

Sub-Committee

Sub-Committee ABM StateSub-Committees

Sub-Committee

ABM PerlisStateSub-Committee ABM JohorState

ABM KedahStateSub-Committee

StateSub-Committee ABM Kelantan ABM PahangState

Sub-Committee

StateSub-Committee ABM Terengganu Sub-Committee ABM SarawakState Sub-Committee ABM SabahState

Sub-Committee