ANNUAL REPORT 2013
FORGING PUBLIC UNDERSTANDING FOR A RESPONSIBLE AND RESPONSIVE BANKING INDUSTRY Cover Rationale
Contents
Page Number 01 Corporate Information 02 The Council 12 The Council – Alternates 15 The Association – Its Organisational Structure and Family Tree 19 ABM Permanent Committees and its Members 22 Chairman’s Statement 25 Financial Data 30 Report of the Council 39 Calendar of Events 45 Snippets of Our Journey towards e-Payment 54 List of Press Releases Issued by ABM in 2013 55 ABM State Sub-Committees 60 Member Banks 61 Directory of ABM Members 2013; QuahPohKeat, from 11 March 2014) (Alternate: Dato’ SriLeeKong Lam,until27 November Tan SriDato’ SriTay AhLek Public BankBerhad (Alternate: ChooYee Kwan) Chew SunTeong, Jeffrey OCBC Bank(Malaysia) Berhad (Alternate: Baldev Singha/lGurdial Singh) Mukhtar MalikHussain HSBC BankMalaysia Berhad (Alternate: ZulkifleeHashim) Tan Kong Khoon Datuk Yvonne Chia Hong LeongBankBerhad Sanjeev Nanavati Citibank Berhad (Alternate: Dato’ SulaimanMohdTahir) Dato’ SriNazirRazak CIMB BankBerhad (Alternate: binMohamad) Shariffudin Dato’ Zulkiflee Abbas bin Abdul Hamid Affin BankBerhad Council Members Executive Director Chuah MeiLin Principal Officer Hamirullah Boorhan, from 11 December2013) (Alternate: DatukLimHong Tat, until11 December2013; Datuk Abdul Farid Alias Dato’ SriAbdul Wahid Omar Malayan BankingBerhad(Maybank) Chairman Bank Corporate Information (from 1July2013) (until30June2013) (from 5August 2013) (until4June2013) (Alternate: Kevin LamSaiYoke) Wong KimChoong OverseasUnited Bank(Malaysia) Bhd (Alternate: Raymond Wong LaiLoong) Osman Tarique Morad BankMalaysia Berhad Chartered Standard (Alternate: Yeoh BengHooi,from 11 March 2014) Dato’ KhairussalehbinRamli Johari Abdul Muid RHB BankBerhad Website from 11 December 2013) 11 December2013; DatukMohamedAzmiMahmood, (Alternate: Dato’ JamesLimChengPoh,until Ashok Ramamurthy AmBank (M)Berhad (Alternate: Raymond LeungChun-Kow) Sng Seow Wah Alliance BankMalaysia Berhad Co-Opted Members Messrs Azman,Wong,Messrs Salleh&Co Auditor Malayan BankingBerhad Banker ABMConnect E-mail Fax Tel 50250 Kuala Lumpur 10, JalanP. Ramlee 34th Floor, UBNTower Registered Office
: www.abm.org.my : 1-300-88-9980 : [email protected] : 603-2078 8004 : 603-2078 8041 (until 18 July2013)
(from 13 December2013)
01 The Association of Banks in Malaysia • Annual Report 2013 02 The Association of Banks in Malaysia • Annual Report 2013 The Maybank DATUK ABDULFARID ALIAS Council TAN SRIDATO’ SRITAY AHLEK Public BankBerhad Builders Berhad.Builders of UEM World Berhad, PLUS Expressways Berhad and UEM Directors of Board the of member a also was He Exchange. bothPratamaTbk, of which are listed on Indonesia Stock as 2005 of PT BankLippoTbkand PT ExcelcomindoCommissioners March of in Board the of member a Bhd was He Investments. of Director Nasional Khazanah joined He 1997 inKuala until 2005,serving Lumpur andSingapore. He was in the Investment Banking division of J.P. Morgan from and Ltd Manhattan Bankandlater merged withJ.P. Morgan in2000. Schroders (MIMB), Jardine Fleming, whichwas subsequently acquired by Chase Berhad Bankers Merchant Aseambankers Malaysia Berhad, Malaysia International Over of hiscareer, the course he hasbeen attached to Panels ofRetirement Fund (Incorporated). Investmentthe InstituteBankersof Malaysia;of member and of Chairman Vice Berhad; Holdings Cagamas of Director Bhd; (ABC); Chairman of Malaysian Electronic Payment System Sdn Holdings on ASEANInter-Regional Relations, ASEANBankingCouncil Ageas Maybank Maybank of Directors and Berhad. He is also of the Chairman for Berhad the Permanent Board Committee Bank the of Investment member a is He of Head as Maybank 2009. International on 1January joined He Accounting. in Science of University Park, United States of America, withaBachelor graduatedfromPennsylvaniaStateHeUniversity, America. of Administration, Finance from Denver University, United States Datuk Abdul Farid hasaMaster’s degree inBusiness international businessfor theGroup, amongstothers. transaction banking, client coverage, global markets and responsibility were corporate banking, investment banking, Wholesale Global of areas 2010.July His 1 since Group (formerlyMaybank of Banking) Banking Global of Head and Prior to this, Datuk Abdul Farid was Deputy President inJune2013.Department who hasbeen appointed as Minister in the Prime Minister's former President andCEO,Dato'Abdul Sri Wahid Omar, & CEO of Maybank with effect from 2 August 2013 replacing Datuk Abdul Farid Aliaswas appointed as Group President Maybank President&ChiefExecutiveGroup Officer(CEO) DATUK ABDULFARID ALIAS Advisory Board. Advisory Companies Malaysia andisaMember of National Payments Purchase Hire of Association of Chairman the presently is He Institute of Australasia and Institute of Bankers Malaysia. Management and is aFellow of CPA Australia, Financial Services of Institute Malaysian the of Fellow Emeritus an is He School. Business Harvard at attended Programme Management Advanced and the Kingdom United Henley, from Administration Tan SriDato’ SriTay holds aMaster’s degree inBusiness Public Finance. former the of President Vice Executive was he appointment, Vice was Executive He President of Public Bankfrom 1995 to 1997 andpriorto this 2002. 1 July from effect with Officer and was re-designated asManagingDirector/Chief Executive Director of Public Bankfrom 18 June 1997 to 30June 2002 Public Bank Group as a pioneer staff in 1966. He was Executive joined He finance. and banking in experience of years 53 has Tan SriDato’ SriTay ManagingDirector AhLek, of Public Bank, Public BankBerhad Managing Director TAN SRIDATO’ SRITAY AHLEK The Council (Cont'd)
03 The Association of Banks in Malaysia • Annual Report 2013 04 The Association of Banks in Malaysia • Annual Report 2013 The Affin BankBerhad DATO’ ZULKIFLEEABBASBIN ABDULHAMID Council (Cont'd) CHEW SUNTEONG, JEFFREY OCBC Bank(Malaysia) Berhad Dato’ Zulkiflee holds a Master’s degree inBusiness degree Marketing, both from SouthernIllinoisUniversity. aMaster’s Administration and a Bachelor of Science degree in holds Zulkiflee Dato’ Banking, amongstothers. Manager,Officer,Credit Chief Enterprise Headof Global and career, he has assumed pivotal roles which include Regional banking inMalaysia, London and New York. Throughout his and internationalexperience, banking covering allaspects of local of years 30 than more him with carries Zulkiflee Dato' overseeing both business and consumer banking. Director, Bankingin2008withexpanded responsibilities in Executive the made subsequently was He 2005. March 1 on Berhad Bank Affin the joining upon appointed Banking Enterprise Director, was Zulkiflee Dato' role, current his to Prior and strategic since 2011. Group's Banking Affin developmental agenda for all entities within the Group lead been has to Zulkiflee entrusted Dato' 2009. a April since Bank Berhad, held position Affin theManaging of is Officer Executive Hamid Director/Chief Abdul bin Abbas Zulkiflee Dato' Affin BankBerhad Managing Director/ChiefExecutive Officer DATO’ ZULKIFLEEABBASBINABDULHAMID
he isacouncil member of Institute of Bankers Malaysia. and Credit Guarantee Corporation Malaysia Berhad. Presently, Berhad, e2 Power Sdn Bhd, Credit Bureau Malaysia Sdn Bhd Bank of Pac Lease Sdn Bhdand adirector ofOCBCAl-Amin from hisroleApart MrChew inOCBCBank, isalso Chairman Kingdom. fellow member of is athe Chartered Association of Certified Accountants, United he by training, accountant qualified A banking businessandDirector ofCiticorp CapitalSdnBhd. Commercial/SME of Manager General was position last His and productbanking international management. offshore customer relationship management, risk management and Malaysia where he held various roles overyears, 12 including in Citibank joined subsequently He years. four for taxation 1987and was involved the in area of corporate audit and Mr Chew began his career at PriceWaterhouse in Coopers was He appointed Executive VicePresidentinOctober Banking. 2006. Business of Head as subsequently and business SME Bank’s the of Head as initially 2003 April in Bank the joined He OCBC business. banking the Malaysian Group’s overseeing currently Berhad, (Malaysia) Bank ChewMr Jeffrey Sun Teong is Director and CEO of OCBC OCBC Bank(Malaysia) Berhad Director andChiefExecutive Officer CHEW SUNTEONG,JEFFREY The Council (Cont'd)
05 The Association of Banks in Malaysia • Annual Report 2013 06 The Association of Banks in Malaysia • Annual Report 2013 The HSBC BankMalaysia Berhad MUKHTAR MALIK HUSSAIN Council (Cont'd) SANJEEV NANAVATI Citibank Berhad a memberoftheNominatingCommittee oftheBank. Non- a is He also Berhad. Malaysia Amanah HSBC is of DirectorExecutive Hussain Mr role, current his to addition In Africa before he came tothe Middle East and North Malaysia. in activities banking wholesale HSBC’s and Finance Islamic Africa,adual role withglobalresponsibilities forand North and Chief Markets, East Middle and Banking Global Executive of Officer Amanah HSBC of Officer Executive Chief Global Limited, East Middle Bank HSBC Chairman, Deputy the was He Investmentsto2008. Principal from2006 of Head Global the as London to back headed He 2005. in Banking Global of Co-Head the became and Market and Banking Global of Officer Executive Chief of position the assumed he 2003, In investment bankinSaudiArabiafor HSBC. 2003 and established the initiative to create the first foreign (Middle HSBC East) Financial LimitedServices from 1995 to numerous posts in Dubai including Chief Executive Officer of held then Hussain Mr offices, London Group’s HSBC the in Samuel Montagu 1991.in close to After 11years ofworking International. He was then appointed as Assistant Director in Group in 1982as aGraduate Trainee Midland Bank in HSBC the joined first Hussain Mr Economics. in Science of 15 December Deputy on as Officer 2009. He graduated from appointedUniversity Executive of Wales with a Bachelor Chief was and Hussain Chairman Malik Mukhtar Mr HSBC BankMalaysia Berhad Deputy Chairman&ChiefExecutive Officer MUKHTAR MALIKHUSSAIN Chamber ofCommerce. At present, he is the President for the American Malaysian degree from SyracuseUniversity, United States ofAmerica. Mr Nanavati holds a Master of Business Administration America andHongKong. M&A and CapitalMarkets,bank in the inUnited States of and India. Beforein that, he alsoworkeda major with American Corporate of Head the was Investment Banking at one of the largest international banks he Citi, joining to Prior Citigroup joined Management team Receipt inJulyDepository 2001. Services Nanavati Mr Kong. Hong and York New in based Services Receipt Depository Citigroup of Head Global Before moving to Malaysia, he was ManagingDirector and its InstitutionalClientsGroup since2005. Malaysia. Prior to this appointment, he was Country Head for overall consumer and corporate activitiesin banking Citi’s for responsible 2007, October 5 on Officer Executive Mr Sanjeev Nanavati was appointed Chief Citibank’s Citibank Berhad Chief Executive Officer SANJEEV NANAVATI The Council (Cont'd)
07 The Association of Banks in Malaysia • Annual Report 2013 08 The Association of Banks in Malaysia • Annual Report 2013 The Standard BankMalaysia Chartered Berhad OSMAN TARIQUE MORAD Council (Cont'd) United Overseas Bank(Malaysia) Bhd WONG KIM CHOONG College ofVermont, United States ofAmerica. Marlboro the and University Punjab the from graduated He Vice appointed United ArabEmirates andSingapore. was and California President and Middle East Representative based in the of Bank Interstate in the Gulf. In 1987,departments he joined the First Operations, Credit, Corporate &Institutional Banking as America of a Management Trainee in 1977 Bank and worked in the bank’s the at career banking his started He Bank inBahrain. From 1999to he was2004, the CEO Standard Chartered India, Bangladesh, Pakistan, Sri Lanka and the Middle East. Bank FinancialInstitutions business teamsChartered in and East Middle South DubaiandwasAsia in responsible for the Standard Banking Institutional of Head Regional Mr Morad joined Standard Bank in1993as the Chartered Bangladesh, apositionheheldsinceSeptember 2004. Prior to this, he was the CEO of Standard Bank in Chartered ofSCBMB. Islamic Financesubsidiary Standard Saadiq Berhad, the wholly owned Chartered Price and Solutions Sdn Bhd.Mr Morad also sits on the board of Bhd Sdn (M) International Scope includes This operations inMalaysia. Governance not only for but SCBMB also for the Group’s business strategiesChartered’s and overall Corporate Morad is responsible for the implementation of Standard 20 on Board OctoberDirector,As the CEO andManaging 2009. Mr the to appointed was Malaysia and Bank (SCBMB) Berhad Chartered Standard for Officer Executive Mr OsmanTarique Morad is the DirectorManaging and Chief BankMalaysia Berhad Chartered Standard Chief Executive Officerand ManagingDirector OSMAN TARIQUE MORAD of Toronto, Canada. Mr Wong holds a Bachelor of Commerce from the University of UOBMalaysia inOctober 2012. appointment a positionheheld untilhis as Director and CEO CEO of United Overseas Bank (Thai) Public Company Limited, he wasIn 2004, 2003. appointed as Director and Country Commercialand subsequently Banking as Deputy CEO in and Corporate of Head as appointed was 1997he where in Malaysia UOB to transferred was He Banking. Commercial positions inConsumer CorporateBanking, and Banking Singapore, MrWong held various management and senior forhe served over 14years. During the 14years withUOB where 1983, in Singapore UOB with career his started He of years 29 has banking experience. He 2012. October 1 on Malaysia) (UOB Bhd (Malaysia) Bank Overseas United of Officer Executive Mr WongChoong was Kim appointed as Director andChief OverseasUnited Bank(Malaysia) Bhd Chief Executive Officer WONG KIMCHOONG The Council (Cont'd)
09 The Association of Banks in Malaysia • Annual Report 2013 10 The Association of Banks in Malaysia • Annual Report 2013 Foundation. of the Rahah Foundation and the Pride Trustee is He Centre. Financial Islamic member oftheMalaysia International Sdn Bhd and is an Executive Committee Malaysian Electronic Payment System directorships invarious CIMBcompanies, holds He Fund.Provident Employees the Investment Panel RiskCommittee of Investment Panel and Chairmanof the Dato’ SriNazirisamember of the Financial Markets. outstanding contribution to the Asian Award’in recognition of his ‘2012Achievement Outstanding was alsoawarded Euromoney’s Achievement Award’ in2009and recipient ofFinanceAsia’s‘Lifetime several occasions. He was the youngest as Malaysia’s top executive/CEO on Dato’ Sri Nazirhas been recognised throughout theregion. universal bank via several acquisitions investment bank to a leading ASEAN transformation from aMalaysian Sri Nazirspearheaded the Group’s Chief Executive on 1 June 1999. Dato’ in 1989and was appointeddepartment advisory corporate CIMB’s joined He of Cambridge. University the from (MPhil) Philosophy of Masters a obtained and (Hons) Science University of Bristol withaBachelor of Dato’ Sri Nazir graduated from the Commissioner of PT BankCIMBNiagaTbk. Executive Officer of CIMB and President the GroupDirector/Chief Managing Dato’ aged 47, Sri NazirRazak, is CIMB BankBerhad Chief Executive Officer ManagingDirector/ Group DATO’ SRINAZIRRAZAK The Council (Cont'd)
1 July2013. on Berhad Bank Leong Hong of Officer Executive Managing Director/Chief Mr Tan was appointed as the Group business and turnover. of Ayudhya hadexpanded rapidlyinits Exchange. Under Bank hisleadership, in Thailandlisted on the ThailandStock of Bank of Ayudhya, the largestfifth bank was President and Chief Executive Officer across the DBS Group. Prior to that, he execution for consumer bankingglobally and managed strategy formulation and 2010 to 15 April 2013 where he led Banking Group of DBSfrom 1December Consumer Executive, Group the was He BankandANZBank. Chartered in Asia for Standard Citibank N.A., franchises across multiple markets successfully build consumer banking in 1981 andhiscareer hasseen him Development Bank of Singapore (“DBS”) Mr Tan began his banking career with Advance Management Programme. alumnus of the Harvard Business School Bishop’s University, Canadaand isan degree inBusiness Administration from Singaporean, holdsaBachelor’s Mr Tan Kong Khoon, aged 56,a Hong LeongBankBerhad Chief Executive Officer ManagingDirector/ Group TAN KONG KHOON
Business School. Harvard at Programme Management a graduate ofthe Advanced Science of Washington University and is also Bachelor a Business Administrationin from holds He in 2012 from AlphaSoutheast Asia. Asia and the "Best CFO inMalaysia Award" Award" in2010 and2011 from Finance have experience earned himthe "Best CFO inMalaysia and knowledge His Malaysia, from 1990 to 1997. Bank Group, one ofthe top banksin Public with years seven spent He 2004. in Officer Financial Chief of post the to holding various positions before rising eight years Malaysia withBursa Berhad, spent also He Officer. Strategy Group two years withhislastposition being the inTelekomserved Malaysia Berhad for joining Maybank, Dato' Khairussaleh the top banks in Indonesia. Prior to Internasional Indonesia, ranked among Bank of Officer Executive Director/Chief from was appointed thereafter President He 2012. Officer January to 2008 Financial November Chief Group institutions. Dato' Khairussaleh was Maybank’s financial well-established where he hasheld senior positions in financial the in andcapitalmarketsservices industry, experience of years Dato' Khairussaleh hasmore than20 Strategy Committee. as a member of the Groupalso serves IT He 2013. December 13 effective Group Banking RHB the of Director Managing Bank Berhad andthe Deputy Group RHB of Officer Executive Director/Chief was appointed asthe Managing Dato' Khairussaleh Ramli,aMalaysian, RHB BankBerhad Chief Executive Officer Managing Director/ DATO’ KHAIRUSSALEH RAMLI
Group Berhad. Bhd, ASEAN Finance Corporation Ltd and Alliance Financial a Director of Malaysian Electronic Payment Systems Sdn Banking Programme at Macquarie University. He is currently of Pennsylvania, aswell asthe Corporate &Investment Management Programme School, University at the Wharton Advancedattendedthe He Singapore. Universityof National has aBachelor’s degreeMr Sng Accountancy in from the where he held several directorships across the Asian region. Holdings, Temasek of subsidiary owned wholly a Holdings, Human Resources and Special Projects of Fullerton Financial of EVP,Head the was Sng Mr Bank, Alliance joining to Prior engagement, customer focus andservice. the led he unitwithastrongperforming high reputation for employee where Banking Enterprise successful transformation of thebusinessinto asustainable, of Head the as Group,Singapore Bank Singapore and joinedCitibank OCBC Mr Sngwas the Managing Director of the Local Corporate regional andinternational banks. years of delivering a fewin performance high well respected experiencedan is commercialHe banker30 than more with the Alliance BankGroup on5July2010. joined He Berhad. Malaysia Bank Alliance of Director and Officer, Executive Chief Group the is Wah Seow Sng Mr Alliance BankMalaysia Berhad ChiefExecutiveGroup Officer&Director SNG SEOW WAH He is a Senior Fellow member of the Financial Services Services Financial the of Institute ofAustralasia. member Fellow Senior a is He Degree of Commerce (Accounting) from University of Madras. Administration from XLRI,Jamshedpur, Indiaand Bachelor has a Master’sMr Ramamurthy degree in Business banking. and personal management, productsbanking and transaction services, financial markets, funds management and insurance, wealth banking, commercial includes experience banking vast His including New Zealand, Australia, India and now Malaysia. record, holdingkey positionsacross various jurisdictions with ANZfor overyears 23 an impressive building track the AmBank Group,Prior to was Mr Ramamurthy serving Berhad. Berhad, AmInvestment Management Sdn BhdandAmLife Insurance Bank AmIslamic Berhad, AmInvestment Group Berhad, AmInvestment Bank Berhad, (M) AmBank namely He is also a Board member of several subsidiaries of AMMB, October 2008. roles as Deputy GroupDirector Managing dual and CFOin ofAMMB hold to appointed subsequently was He (CFO). Officer Financial Chief of position the holding (ANZ), Limited representative of Australia and New Zealand Banking Group an Australian, joined AmBank Group in 2007 as a Ramamurthy, Mr 2012.April 2 on (AMMB) Berhad Holdings Managing Director and a member of the Board of AMMB of Group the as Officer appointed also Executivewas He Berhad. Chief (M) AmBank the is Ramamurthy Ashok Mr AmBank (M)Berhad Chief Executive Officer ASHOK RAMAMURTHY The Council (Cont'd)
11 The Association of Banks in Malaysia • Annual Report 2013 12 The Association of Banks in Malaysia • Annual Report 2013 United States of America. a Bachelor inFinance degree from Southern Illinois University, Shariffudin Encik holds a Masters in Business Administration and graduated outfit. with outsourcing global acclaimed its and institution financial international well-known a with experience extensive of banking decades overtwo has He Communications. & Logistics, CustomerProperty Care & Quality andCorporate & Secretarial, Information Technology Management, Services oversees Documentation, Strategic including & Corporate Legal Services he Currently, Officer. Resourcethe Operations Division encompassing Loan Administration & Human Chief and Director, Operations, he was also the Chief Corporate Strategist Berhad effective 1November was the 2009.While EncikShariffudin Bank Affin in August 2007 andwas appointed to hispresent position of Operations Director, Services the as AFFINBANK joined He (AFFINBANK). Strategic and Operations binMohamad isthe ExecutiveEncik Shariffudin Director, Affin BankBerhad Services Executive Director, Operations andStrategic SHARIFFUDIN BINMOHAMAD Executive by London Banker Management –International Academy of Retail Banking. Retail International Certified a also is He University. Islamic International from Administration from Institut Teknologi Mara and holds a Masters in Business in Malaysia (AFCM). He graduated with a Diploma in Accountancy Companies Finance of the Association the as to Secretary served Honourable also Hamirullah Encik Boards. Committee Risk of Maybank Cambodia andsitsasamember of the Audit and Director a is He years. 27 past the over bank entire the almost and haswide andin-depth management experience covering of Network and Branch MaybankMalaysia. MaybankjoinedHe 1985in graduationupon Channel Banking, Affluent and Worth Net High Banking, Virtual Banking, Business and SME Finance, Community Head, and EVP withresponsibilities coveringFinancial Services Consumer the is Boorhan Hamirullah Encik Maybank Community FinancialServices Executive VicePresident(EVP)andHead, HAMIRULLAH BOORHAN The Council Maybank HAMIRULLAH BOORHAN Affin BankBerhad BIN MOHAMAD SHARIFFUDIN
-Alternates before joining Bank of Commerce (M) Berhad (now known as as known (now CIMB Bank)in1987. Berhad (M) Commerce of Bank joining before degree inAccounting, Dato’ Price Waterhouse Sulaiman served 2005.Agraduate Division ofRMITUniversity,in January Australia witha Distribution and Sales Retail of Head as appointment the byfollowed was This Sales. Retail of Head of position the to appointed to head the Credit Card Centre before being entrusted Credit for Selangor andWilayah Persekutuan. In2002,he was Alam and Petaling Jaya and Regional Manager for Business Branch Manager ShahAlam,Area Business Manager for Shah Unit, Business Japanese the of Head Group including Bank the consumer andcommercial banking,he held various positions in CIMBBankBerhad.within Withover 25years ofexperience in Board ofCIMBBankandvarious Management Committees in CIMB Singapore and Cambodia. Dato' Sulaiman sitson the he isalsoresponsible for the management of Retail Banking the Bank’s8.0million customers. centre to Besides that, service five (including branches 297Private Bankingbranches), 36mobile sales centres andcontact staff, 8,200 about encompass of the sales anddistribution channels for CIMBBankwhich responsible for the development, and management performance of Head Deputy Consumer Bankingon 22July 2013. Presently, the Dato’ Sulaiman is subsequently and Bank CIMB of Director On 1October 2009,Dato’ Sulaiman was appointed Executive Sales and Distribution Division,a position he held since July 2005. Consumer of Head the is 51, Tahir,aged Mohd Sulaiman Dato’ CIMB BankBerhad Banking &HeadofConsumerSalesDistribution Executive Director, DeputyHeadofConsumer DATO’ SULAIMANMOHDTAHIR currently the ChiefOperating Officer, Group Strategic Support. has and 1998 is He Bank. Leong in Hong in areas various in Bank responsibilities held Leong Hong of appointed Director Executive was an Zulkiflee Encik Department. Services Banking Banking, International Trade Finance, Operations andTransaction of Deutsche BankMalaysia andwas responsible for Corporate 1991 to 1997, he held the position of Deputy ManagingDirector From1990. December in President Vice its as N.A. Citibank with sector banking the in career his started Hashim Zulkiflee Encik Hong LeongBankBerhad Chief Operating Officer,Strategic Support Group ZULKIFLEE HASHIM CIMB BankBerhad MOHD TAHIR DATO' SULAIMAN Hong LeongBankBerhad ZULKIFLEE HASHIM
the Education Committee ofthe Institute since 2000. Fellowship by the Institute of Bankers Malaysia on and has served Associate conferredan was Wales.He and England of Bar the to of London respectively, and isaBarrister-at-Law following hiscall in Economics andLaw from University of Malaya and University Kingdom, in London and Malaysia. Mr Choo has Honours degrees he hadworked for the National Westminster BankPLC, United Bank Negara Malaysia. hiscareer withMaybank, Prior to starting of auspices the under up set (CDRC) Committee Restructuring Debt Corporate the on served also He Management. Risk Group International Banking,Corporate Remedial Management and Control, Credit for Head Division the was he Maybank, at career 14-year his During Group. Maybank of Officer Risk Chief the was 2007,in he OCBC joining to Prior (Malaysia)Berhad. Bank OCBC for Officer Risk Chief Country the currently is YeeKwan Choo Mr OCBC Bank(Malaysia) Berhad ChiefRisk Officer Country CHOO YEEKWAN Financial Officer for thepast 16 years. the senior Bank andhasbeen positions withinthe Bank’s Chief of number a held has he then, Since 1983. in HSBC joining to prior firms accounting four big the of one forwork to on moved of Taxation. He began his career with Inland Revenue Board and majoring inaccounting and is aFellow of the Malaysian Institute (Honours), Economics of Bachelor a with Malaya of University from graduated He 2011. November 10 Non-Independent on Director Executive as appointed was Baldev Mr Bhd. Sdn (M) Development Software HSBC of Director Non-Executive a and Berhad Trustee Malaysia HSBC of Chairman Mr Baldev the also is Berhad, Singh Malaysia Bank HSBC of Officer Financial In addition to hiscurrent role as Executive Director and Chief HSBC BankMalaysia Berhad Chief FinancialOfficer BALDEV SINGHA/LGURDIAL HSBC BankMalaysia Berhad GURDIAL SINGH BALDEV SINGHA/L
OCBC Bank(Malaysia) Berhad CHOO YEEKWAN several companies inthePublic BankGroup. subsidiary on of Directors of Board the position on member a is 2013. his present HeNovember 28 to was redesignated Mr Quah II. Officer appointment on 1October 2013 asDeputy Chief Executive Non-Executive Director of Public Bank from July 2008 until his Independent an was He firm. accounting established an in years for of work 25 partner experience of which he was apartner/senior Mr Quah Poh Keat, a qualified accountant, has more than 30 years Public BankBerhad Deputy ChiefExecutive Officer QUAH POHKEAT e od a ahlr f cnmc (aoig n Business in (majoring Economics of Administration) from University ofMalaya. Bachelor a holds He banking, business banking, corporate banking and distribution. has more than 30 years of banking experience covering retail He Bhd. KawalSdn RHB and (MEPS) Bhd PaymentSdn System Retail Group MalaysianBoardof Electronicthe on sits also He Berhad. Bank of RHB at Head Banking Retail Group the of Head currently Acting and Distribution is Hooi Beng Yeoh Mr RHB BankBerhad RetailGroup Banking RetailHead, Group andActing Distribution Head, YEOH BENGHOOI Public BankBerhad QUAH POHKEAT The Council -Alternates (Cont'd) RHB BankBerhad YEOH BENGHOOI
13 The Association of Banks in Malaysia • Annual Report 2013 14 The Association of Banks in Malaysia • Annual Report 2013 companies in Singapore, United States of America and Hong Hong and America Kong for more thanadecade before joining the UOB Group. of States United Singapore, in companies for several large international foreign banksandtechnology management products from 2006 to 2010. Mr Lamhasworked divisions inachieving record sales inboth loans andwealth UOB’s home loan market share and led the loans and sales Loans Singapore andRegional. While there, he successfully increased of Head the Distribution, and Sales of Head the Regional; including and and Singapore Singapore, UOB with positions Malaysia. Prior to joining UOBMalaysia, MrLamheld various UOB of Officer Executive Chief Deputy the as appointed was he member ofthe management committee. On1December 2013, development, andother areas of asasenior corporate services sales anddistribution, technology and bankinginfrastructure including years, strategic planning, business management, product 20 development, over for technology financial and services industry, having dealt withvarious aspects of consumer banking He Managing Services. brings withhimyears of valuable experience from the banking the Financial Personal as of 2011 Head Country January and Director 10 on Malaysia) (UOB Bhd (Malaysia) Bank Overseas United Yokejoined Sai Lam Kevin Mr OverseasUnited Bank(Malaysia) Bhd Deputy ChiefExecutive Officer KEVIN LAMSAI YOKE Global Management Accountant, Unitedthe Chartered Kingdom. experience inthe bankingindustry. MrWong isafellow member of invariousserved roles since 1980. Overall, he hasover 30years’ withOCBCMalaysiaearlier built hisbankingexpertise where he Champion. Prior to joining Standard in1991, Chartered he had Environmentin the Bank’ssustainability programme asCountry role lead a on takes also Wong Mr Officer. Information Chief the and Officer Risk Chief the with jointly Governance Quality Data Heads Business/Functional the with oversight responsibilities over the Risk/CapitalForum and with partnership in and CEO with effective corporate governance the Board/ insupporting agenda management financial strategic its of execution through SCBMB for value term long creating on focuses role His Berhad. Saadiq StandardChartered and (SCBMB) MalaysiaBerhad Bank is Lai Loong Corporate Treasury andTax functions of Standard Chartered Wong Raymond Mr responsible for the overall management of the Finance, Officer, Financial Chief As BankMalaysia Berhad Chartered Standard Chief FinancialOfficer RAYMOND WONG LAILOONG The Council Malaysia Berhad Standard Bank Chartered RAYMOND WONG LAILOONG -Alternates (Cont'd)
(Malaysia) Bhd United Overseas Bank KEVIN LAMSAI YOKE
operations, technology, internal audit andproduct management. for capacities regional and country both in keypositions held He Singapore. and York New Toronto, Kong, Hong in assignments diverse wealth of experience withover 30years inCitigroup, with delivery. Prior to MrLeung had gained a joining Alliance Bank, talent development,product and support, customer services all aspects oftheBank’sbusiness to drive growth. Thisincludes and is instrumental in developing key strategies that encompass the oversees functionsoperations, ofthe Bank, technology andvarious support He 2011. January 19 on Officer Operating Chief Mr Raymond Leung Chun-Kow joined Alliance BankasGroup Alliance BankMalaysia Berhad ChiefOperatingGroup Officer RAYMOND LEUNGCHUN-KOW on 11 October 2008. “Datuk” title the with Melaka” Seri was Mulia “Darjah He the conferred Council. Planning Financial Malaysian the of member of Companies Purchase Hire Malaysia, Fellow of the Institute ofBankers Malaysia and a of Association and Malaysia of Treasurerand Honorary of the Association of Finance Companies Bhd and FISDataLinkSdnBhd. Datuk AzmiisaCouncil Member Bhd, Akademi Sdn IBBMSdnBhd,FinancialInformation Services Payment System Sdn Bhd, MEPS Currency Management Sdn AmBankGroupwithin aswell asaDirector of Malaysian Electronic 2012.DirectorseveralApril a of in also position is He companies Management inthe Group andwas appointed to hiscurrent years, Datuk Azmihasheldvarious positions inthe Senior first He industry. banking the joined Arab-Malaysian Finance Berhad in 1981. Over the in experience of years 30 over Deputy Group ManagingDirector ofAmBankGroup andhas the currently is Azmi), (Datuk Mahmood Azmi Mohamed Datuk AmBank Group ManagingDirector Deputy Group DATUK MOHAMED AZMIMAHMOOD Alliance BankMalaysia Berhad CHUN-KOW RAYMOND LEUNG
AmBank Group MAHMOOD DATUK MOHAMEDAZMI
Organisational Structure Its OrganisationalStructureandFamily Tree The ABM’s OrganisationalStructureisdepicted below. toCouncil whiletheremainingfour theExecutive report Director ofABM. of the Committees, i.e. the Committee on Finance and the Committee directly to on Budget Recommendations, the report In addition, there are six Permanent Committees under ABM, whichcomprise senior bankers from our Council banks. Two andthreeAssociates. staff Strategy & Initiatives, Corporate and Rules & Affairs Compliance. As at the date of publication, ABM has a total of 16 full-time Refinement, & Operations namely divisions, core four into structured is MalaysiaThe AssociationofBanksin (ABM) Banking Legislations, Legislation Policies, Rules, Committee on Regulations & Interpretation Banking & Oversight* Compliance Compliance Division Rules & Association Regulations & Interpretation Rules, Refinement Division
Market Conduct Committee on Consumer & Forums Operations & APEC International Desk Executive Director & Public Relations Communications ASEAN Bankers Corporate Association Council Development Financial Markets Corporate Affairs Capital & Money Development of Committee on Markets Division Administration Finance & Consumer & Market Conduct Recommendations Committee on Budget Committee on Finance
Note: * to beestablished & Initiatives & Research Intelligence Committee Fraud Risk Financial Strategy Division Prudential Policy
15 The Association of Banks in Malaysia • Annual Report 2013 16 The Association of Banks in Malaysia • Annual Report 2013 Long hasthe post-box function been discarded – nodoubt ABM a pivotal role as the voice for the commercial banking industry. ABM hasevolved Indeed, under Mei Lin’sleadership, to assume fellow bankers in2013. with external ABM also held over parties. 50 meetings with the commercial banksinsixroad-shows and seven dialogues 2013flag for the tally-up, bearing quicksaw ABM a On agenda. Open Days, dialogues and ad hoc meetings dealing with various in 2013 as her small but industrious team took on road-shows, Mei Linhas had to sharpen her organisational skills seriously as PDPA,intriguing FATCA, CRA, FSAandGST. CA, Additionally, The issues have been meaty, straddling subjects as diverse and the myriad ofissuesfacingsectorthe banking recent in months. tackles ABM as stead good in her stands background legal Her year term beginning2011. Council fora member of the National Consumer Advisory a two- Corporation Limited, as Singapore. Besides this, MeiLinserved on the Board andExecutive Committee of ASEAN Finance Institute of Bankers Malaysia. Sheisalso an alternate director of Financial Mediation Bureau and the Education Committee of OctoberShe represents 2008. ABM onthe Board of Directors Mei Lin was appointed as the Executive Director of ABM on 6 Executive Director CHUAH MEILIN Leong,GerardForsythe, NgAiLeen,Michelle Standing, from Wong left: AiMei,JoanneWong ChuahMeiLin,FeizalSitting, from left: binHajiAhmad Senior Management Its OrganisationalStructureandFamily Tree The Association (Cont'd) her tenure thus far. Withthe establishment of muchonthe radar in In addition, consumerism has been very strategise andrecommend,value addandspeakout. out to grasp the underlying facts and issues, re-write, prioritise, in responding to the authorities and the public alike, ABM sets muchinvolvedstill very is the collation of viewsin anddata but the financial services group, Komplek Kewangan/Amanah Prior Partners). Komplek Capital Amanah – MIDF (now group, Partners Capital services financial the the corporate world 10 after years legal practice in began with into foray Her industries. securities the and services financial with her Mei Linbringsawealth ofexperience bothin the calendar ofevents. enterprises have become permanent features in ABM’sannual the small andmedium particular with the public andin issues on the groundunderstanding is crucial, engagements the handling or treatment of theircomplaints. Recognising that may also seek ABM’s intermediation if they are dissatisfied with general concerns about credit through these channels. They and practices best on clarification for request may customers the individual bank’s communication withitscustomers. Bank been able to assist inbridging any gapswhichmay occur in ABM has 2009, in and eABMConnect soon thereafter 2008 ABMConnect in f h Gop n 0220 ad eoe ht Sno Vice Senior MalaysiaBursa SecuritiesBerhad. that, before and of Division 2002–2005 Services &Membership President, Legal Advisory in Group the of (Malaysia) Berhad (UEM) Group during the major reorganisation of the Legal and Secretarial of the Division United Engineers Head Berhad, Bank has Affin of Division Strategy Corporate career the of interesting and Head including positions key several colourful succession, in straddled, Her countries. 35 in matters arising from the Group’s focused but diverse activities group of companies andenjoyed the challenges of overseeing Internal Complianceof ScomiGroup Division Bhd andits to this appointment, Mei Linheaded the Legal and Group Middlesex University, United Kingdom. with a Bachelor (Honours) degree in Accounting & Finance from Shegraduatedmagazine publication and customer service. AiMeialso gainedexperienceportfolio, eventin management, accounting her to addition In department. finance local the of leading Australiancompany magazine publishing as the head corporate world when she in 2003 joined the local arm of a From services. there, of taxshe ventured advisory into the for corporations and individuals, as well as the provision During her six years there, she was involved in tax compliance of Ernst & Young,part where she joined the Tax Department. which later Andersen, became She began her career at Arthur Corporate Administration Department. the overseeing includes aswell astheFinance& Communications Department portfolio current Her and was promoted to Director, Corporate in2013. Affairs Ai Mei joined ABMin2008as AssistantManager, Finance Director, CorporateAffairs WONG AIMEI Refinement fromwith effect March 2013. & Operations Director, as redesignated was She overseeing thehousingloansdivision. department credit and leasing its in officer an as company development with a career her started first Joanne Administration, Business graduate from University of Ottawa, Canada with aBachelor in on e-PaymentsPayments and ontheNationalBill Scheme. A Committee Working Malaysia’s Negara Bank Projects, Housing Local Government's WorkingGroup on the revival of Abandoned the Executive Director. These include the Ministry of Housing and various external workinggroups/committees as the alternate to changes. She also represents the Association at necessary theaim with of streamlining the same and/or introducing new sector policiesor banking commercial the of efficacy and division The oversees,issues the relatingmain, toin the overall Division. operations Refinement & Operations the heading She was subsequently promoted to Assistant General Manager, Assistant Manager, then to Manager and later, Senior Manager. 1991 and has over August the years in moved Officer up the Administrative ranks steadily,Senior firstas to ABM joined Joanne Director, Operations&Refinement JOANNE WONG management work. as Head, Auction Sales and continued to be involved in asset Head, the eventual she joined aforeign bank closure ofDanaharta, as company the Marketing Division. After & Sales Administration inProperty of functions management asset Nasional Berhad, where she was actively involved inthe consultant, and subsequently joined Pengurusan Danaharta her started career withErnst& Young first asanaudit & corporate recovery she Finance, & Economics in Business of Royal Melbourne Institute of Technology withaBachelor Planning Corporate & Financeatalocal commercial Agraduate bank. from of Head was she ABM, joining to Prior theAssociation’skeyissues to support objectives. relevant on research of conduct the and intelligence financial the commercialindustry, banking includingthe gathering of of the broad or macro aspects of the Association’s work for in the main, the planning, development and implementation from March 2013. TheStrategy & Initiatives oversees,Division General Manager before the redesignation to Director with effect 7 September and was2009 subsequently promoted to Assistant Ai Leen joined ABMasSeniorManager, Strategy &Initiatives on Director, Strategy&Initiatives NG AILEEN channel itsfeedback. general, thus providing anavenue to the bankingpublicto also attends to views in about commercial bankingservices relating to the local conventional banking industry, Feizal addition to managing queries andcomplaints on issues and subsequently the online version, e when hewas recruited to helm ABM’shotline, ABMConnect, Feizal 2009, hasbeen amember of the ABMteam January since Senior Executive, PublicRelations FEIZAL BINHAJIAHMAD stakeholder management. relations, event management, publications, website strategy and developer. inthe mainincludes media Michelle’s portfolio property leading a and regulator financial a with worked having of experience inexternal and internal corporate communications, reprieve from work to enjoy motherhood. She hasover 12years Michelle rejoins ABM as a Senior Associate taking a after Public Relations Senior Associate,CorporateCommunications& MICHELLE LEONG risk and cheque clearing. bank premises. Gerard also attends to issues relating to fraud Chip and PINproject andthe enhancements to security at currently assists withthemanagement of several projects such asthe He bank. international incorporated locally a work experience from of years 33 him with bringing Refinement, Gerard joined ABMas Senior Associate, Operations & Senior Associate,Operations&Refinement GERARD FORSYTHE The Its OrganisationalStructureandFamily Tree Association ABMConnect. In (Cont'd)
17 The Association of Banks in Malaysia • Annual Report 2013 18 The Association of Banks in Malaysia • Annual Report 2013 ABM's Family Tree Its OrganisationalStructureandFamily Tree The • • • Association
Sdn Bhd (“CBM”). shares inCredit Bureau Malaysia 20% of the ordinary (“AIBBM”) and Bhd Sdn IBBM Akademi a in stake 30% comprise presently investments Company’s The holding company, was incorporated inJuly1991. (“AISB”),InvestmentsBhd investmentABM Sdn an 20% 30% ABM Investments SdnBhd educational institution. business of a private higher or control of the supervision the formation, management, is to promote in or take part of AIBBM activity The principal Akademi IBBMSdnBhd a creditbureau. related torating and such services credit reference credit services, the business in of providingis CBM Bhd Credit Bureau Malaysia Sdn (Cont'd) • currently holds 20% of its ordinary shares. currently holds20%ofitsordinary (“AFCL”) and Limited Corporation Finance ASEAN 1981for the purpose of investingthe shares in of AFC Holdings (Malaysia) Sdn Bhd was set up in April AFC Holdings(Malaysia) SdnBhd 20% in theASEANregion. and overall economic development the promotion of industrialisation in to assisting and in order projects finance resources financial merchantof mobilising banking, AFCL’s principal activities are Limited ASEAN FinanceCorporation 4 3 2 1 Committee onBankingLegislations,Policies, Rules,Regulations andInterpretation 3 2 1 Committee onFinance and its Members asat31and itsMembers December2013 ABM Permanent 1a 5 1 June LeeSiew Yee (untilNovember 2013) Berhad Citibank Devabalan Theyventheran CIMB BankBerhad Ee Kok Sin(untilMarch 2014) BankBerhad Affin b. Abdul Razak Kamardin (Alternate) a. Dato' Mohd HanifSuadi Malayan Bank) Berhad(Chairman Banking Foong PikYee (replacedSanjay Uppal) BankBerhad Leong Hong Dato’ Sulaiman MohdTahir CIMB BankBerhad Dato’ Zulkiflee Abbas bin Abdul Hamid Bank) (Chairman BankBerhad Affin 1b 2 6 7a 3 2 7b 4 3 8 7 6 5 6 5 4 Committees Raymond Wong LaiLoong BankMalaysia Berhad Chartered Standard b. Fong KinLung (Alternate) a. EeYew Chai RHB BankBerhad Lim Yau Seong OCBC Bank(Malaysia) Berhad James Gossip HSBC BankMalaysia Berhad Osman Tarique Morad BankMalaysia Berhad Chartered Standard Yap ChoiFoong (replacedKellee Kam) RHB BankBerhad Chang Siew Yen Berhad Bank Public 5 8 4 6
19 The Association of Banks in Malaysia • Annual Report 2013 20 The Association of Banks in Malaysia • Annual Report 2013 2 1 Committee onBudgetRecommendations 4 3 2 1 Fraud RiskCommittee asat31and itsMembers December2013 ABM Permanent 6b 4a 1a 1 Baldeva/l Gurdial Singh Singh HSBC BankMalaysia Berhad Lee HengGuie CIMB BankBerhad b. AndreaLim a. DennisCheah HSBC BankMalaysia Berhad Chong Tong Lim Berhad Citibank Siva Subramaniam Seenivasagam (replaced Yunosb. Yusop) a. BalashanmugamVadivelu CIMB BankBerhad b. MohdNassir Abd Rahman(replaced Mustafa Hassan) a. LimChinHeng Malayan Bank) Berhad(Chairman Banking 1b 4b 7a 2 Committees 7b 2a 5a 3 (Cont'd) 5b 2b 3 7 6 5 Suhaimi Ilias Malayan Berhad Banking b. Tashvinder Singh(replaced Victor Ong) a. Steven Leong Wai Hoong BankMalaysia Berhad Chartered Standard b. V. Maslamani a/lVatharajoo a. Arivananthan a/lSupaya RHB BankBerhad b. Siew Lup Yan (replacedMatthias Chay) a. Veronica Foo Berhad Bank Public 6a 3 The Association would like to accord anote ofthanksto theabove for their contributionsto theAssociation andtheindustry. 3 2 1 Committee onDevelopment &Money ofCapital Markets 5 4 3 2 1 Committee onConsumer&Market Conduct 4 1 6 1 Yousuf Sandeela Berhad Citibank b. ThomasTan (Alternate) a. Dato' LeeKok Kwan CIMB BankBerhad Leslie Foo Chek Shen Malayan Bank) Berhad(Chairman Banking Josephine Leong BankBerhad Leong Hong Datin Aziyah Omar CIMB BankBerhad Yong Kok Mun Malaysia Bank Alliance Berhad Mohd AzharShahbudin BankBerhad Affin Chow YinLi Malayan Bank) Berhad(Chairman Banking 2a 2 5 7 2b 3 6 8 9 4 7 3 ABM Permanent 7 6 5 4 10 9 8 7 6
Leon Koay LiOnn Bank Malaysia Berhad Chartered Standard Datin Zaimah bte Zakaria RHB BankBerhad Lim Lye Ping Berhad Bank Public Alvin Kong (replaced PiyushKaul) HSBC BankMalaysia Berhad Michelle Liew Yang Har(replaced LauCheeKheong) Overseas Bank(Malaysia)United Bhd Jessie Liew BankMalaysia Berhad Chartered Standard Nesaratnam Somasundram RHB BankBerhad Siew Lup Yan (replacedMatthias Chay) Berhad Bank Public Leng Alvin LimKim OCBC Bank(Malaysia) Berhad 10 5 and its Members asat31and itsMembers December2013 Committees (Cont'd)
21 The Association of Banks in Malaysia • Annual Report 2013 22 The Association of Banks in Malaysia • Annual Report 2013 In particular, the eurozone continued its recession for much the year. for Ofcourse many countries, it was stillastruggle. global activity and world trade picked up in the second half of The world economy hadarelatively good 2013run in as Global Scenario prosper. environment are valued and can in whichbankingservices intention strengthen ABM’s role to in fostering further an is my It industry. banking commercial the in voice influential an admirable job in steering the Association to be a more My predecessor, Dato’ Sri Abdul Wahid Omar, hasdone stakeholders ingeneral. and our impact that the Association has had on the industry for work ABM’s several years now, Ihave in come to appreciate the positive involved been Having plays. it role the Be thatasitmay, nostranger to ABMand Iamcertainly Chairman inAugust 2013. helm as the over taking since my first Report, Annual 2013 (ABM)’s Association Malaysiaof Banksin I amhonoured to present The Chairman's Statement recording a downward trend in unemployment and boosting led by Germany,modest. The north, had a solidyear, the of second 2013,quarter although the recovery remains in recession from emerged finally eurozone the Meanwhile, its tapering tocommence 2013 Quantitative Easingprogramme. for meeting final its at this was a key factor behind the Federal Reserve’s decision has areasonable amount of underlying momentum. Indeed, economy the that suggests retrenchment fiscal this of spite economy managed to expand2013 asmuchitdidin in this, the US economy continued to grow. The fact that the US by introducing various measures including tax hikes. Despite policy fiscal its tightened significantly also government US the side, flip the On policy. monetary expansive Reserve's to the U.S. economysupport came from the Federal on the stock markets rise in the second half of 2013. Strong positive the and figures employment in improvement due to therevival ofthe real estate market, the continuous the shadow cast by the feud over its budget.was This large in The rate ofrecoveryseemsthe US to in have spedupdespite began torecession anditsaftermath recede. especially in the developed countries, and the long spell of of 2013, there were signs of improvements on many fronts, However,2007 their peak. below end still werethe world by of the year,standards and living in most of the developed recent years, high national savings with highreserves, rates, the fact that Asian economies have become more resilient in vulnerabilities and fulfil their potential. We draw comfort from are able to take onreform challenges to reduce their remain in place, investors will watch closely how countries Although the fundamental drivers for emerging economies • • • • depend onthefollowing factors: momentum of the improvement in global economy will from the expectedApart recovery of the US economy, the to invigorate cyclical demandintheAmericaneconomy. stimulus programmes werewhich introducedmonetary-led to inspire the most optimism as 2014 also marks the end of economic data and indicators. Inparticular, the US isseen growth for the developed economies, premised on recent more sustained and stronger in confidence renewed amid In 2014, global recovery isexpected to gather momentum continues to besmall. over-investmentafter China landing in and acredit boom investment. On the positive side,thelikelihood of ahard and business domestic consumption, and less exports it as itseconomy to towards shift urges the country (IMF) more Fund Monetary International the to according this year, the lowest rate years,23 in from 7.7%2013,in Meanwhile, growth China's expected is to slow to 7.5% consumption taxrate. stance in 2014-15 asaresult of atwo-step doubling of the policy fiscal tightening a to been termed response in moderately slow has to ofwhat projected is activity economic overall Japan's pillars “Abenomics”. two first monetary the and fiscal policies, expansive by driven development a In Japan, economic growth rose slightly to 1.5% in2013, prevent disinflation and/or deflation. further aggregatewill be to demand in a meaningful way, lift so as to past. Akey challenge for the eurozone the in next few years be may difficulties their of phase acute the but yet, woods tostarted improve. Europe and the euro are not out of the haveHowever, unemployment. numbers rising the of year a poorly, withItaly, and Greece all enduring Spain,Portugal standards.living TheMediterranean countries fared more stability. financial and fundamentals safeguarding and markets, financial and flows capital volatile with dealing growth, market economies to balance between sustaining emerging in policies and management Macroeconomic Japan’s policiesto reflate itseconomy; and China; in rebalancing and reforms economic of execution The Sustainability ofthemergingturnaround inEurope;
services sub-sectors. services in the progressively sectors, particularly liberalising certain also is government the deficit, budget the manage to as so to do so. Inaddition to measures to restrain spending growth are tobeginning show their positive impactcontinue andwill reforms these of effects consolidation.The fiscal tackling as numerous reform measures across the whole economy, such The Malaysian government has also been enacting sustain realgrowth intheeconomy. stable employmenthas very conditions which are helping to bythis has been supported household spending. Malaysia high levels of investment into infrastructure. Additionally, year-on-year. Oneofthe key reasons for this pickup hasbeen the economy quarter but in the fourth expanded by 5.1% The Malaysian economy grew byyear-on-year 4.7% in 2013, thenation’sreserves. prices willalsosupport the current account surplus andthe resilience of commodity the advancedin economies. The expected improvement in of foreign-reserve volatility normalisation caused the ringgit by in monetary terms in adequacy, and should be able to weather the short-term sufficient remains position benchmarkingBy againstthe IMF’s threshold, Malaysia’s debts and sufficient to cover 9.6 months of retained imports. externalequivalent short-term to times the country’s 3.7 stoodreserves at RM441.7 billionas at the end of 2013, are still healthy. BankNegara Malaysia’s international term adverse effects as its macroeconomic fundamentals Fundamentally, Malaysia should not experience any long- currentaccountsurplus.trade, to sustainthecountry’s advanced economies augur well for Malaysia’s international economy. ofamore Thesigns solid growth momentum the in their stable growth this year, this bodes well for Malaysia’s turnaround, expectedandJapan andChina with to maintain As developed economies begin to exhibit clearer signs of a Malaysian EconomicOutlookandPerspective encouraging thanithasbeeninyears. toAll inall,the outlook appears bemore balanced and 2014to beayear of transition for the global economy. expected to experience a mildpickup in 2014. We expect expected to three years stabilise after of slowdown and is Barring any major negative surprises, the global economy is term. transformations theirgrowth to lift trend over the medium reversals reforms whileimplementing and the necessary economies good in stead to weather the impact ofcapital systems financial and low external borrowings. Thisshould stand the Asian stronger rates, exchange flexible more Chairman's Statement (Cont'd)
23 The Association of Banks in Malaysia • Annual Report 2013 24 The Association of Banks in Malaysia • Annual Report 2013 that the bankswillhave to tussle withover the next year. and TaxServices (GST) in April 2015 is another major issue 2015.January The impending implementation of theGoods III liquidity standards, both of whichwillbe effected in reference rate framework andtransition into the new Basel issues, including the adoption ofthe newvarious industry 2014 willbeachallenging year for banksaswe tackle and sustainabilityofthebankingsystem in the long-term. Governance. reinforce All of these will certainly the integrity Exposure Limit and Risk Counterparty policies onSingle Personal Data Protection Act, and Bank Negara Malaysia’s Actthe industry, 2013, such as the Financial Services the enforcement of various regulations and policies affecting Commercial bankshadalso adapted well to the recent recovery emerge. developed economies as prospects for stronger economic arising from the policies in the unwinding of the monetary continue to bewell-positioned to manage external risks stood Thus, Malaysianat billion. more than RM79.3 banks the banks inexcess of the minimum total capital requirement 12.1%,13% and 14.4%respectively. of Thecapitalbuffers capital ratio well above levels, the minimum regulatory at equity tier 1 (CET1) capital ratio, tier 1 capital ratio and total system capitalisationremained strong withthe common 2013.began from January As at end 2013, the banking strengthened capital requirements under Basel IIIwhich of phase first the into transition smooth a achieved Banks and liquidity positions. quality, strong aswell capitalbuffers as favourable funding commendable scorecard in 2013, due to excellent asset The Malaysiansector banking delivered yet another and Issues Malaysian BankingSector–Developments cautious, largelyonheightenedexpectations. inflationary consumption may moderate turn more slightly as consumers in growth However, policies. monetary accommodative as still-healthy private consumption and investment as well driven by major infrastructure and investment projects, to by be supported a continued investment up-cycle, overallThe country’s economic growth in2014 isexpected rate environment andarelatively market. stableproperty growth, low unemployment rate, accommodative interest healthybenign due to domestic economic the country’s To date, the asset quality trend of household loans remains not expected to be a systemic threat to the banking system. Whilst the household debt level in Malaysia remains high, itis Chairman's Statement (Cont'd)
dedication and support inachieving ABM’scause. dedication andsupport for atABM theircontinued commitment, staff hard work, Finally, my sincere thanks goto the management team and and consumerassociationsfor theirsupport. Securities Commission, government ministries and business like to convey our appreciation toNegara Malaysia, Bank the wewhich hadset for the year. Onbehalf of ABM, Iwould have engaged with us and helped achievingus in the goals I would like to extend my gratitude to all stakeholders who look forward to delivering morepositive changein2014. productiveIt hasbeenabusyand very year for ABM andI operates. critical impact on how the commercial bankingindustry implementation issues concerning GST whichwillhave a new initiatives with regard to credit/debit cards as well as Other key onour areas be high agenda that are will several member banksasaresultofthechanges. public, wealso bedealingwiththe issues will faced by our (e-payments) payments through campaigns and engagements with the general electronic of use the promote to prominently ABM’s agenda. in NotABM continue onlywill the payment system landscape are expected to feature Going into 2014, the recent and upcoming changes in success mustbealignedwithwiderpublicinterest. of commercial banks is the key business objective, that growingappreciation that while the sustainable success it isclearon theiragenda that this ishigh too. There is a banking industry. From discussions withmy fellow bankers, forpublic understanding a responsible and responsive The guidingtheme of ABM’s work hasbeen to foster ABM’s Strategyfor2014 Economic Transformation Programme. the various projects under the 10th Malaysia Planand the by and continued investment the resurgence in exports in demand for business loans is expected to be supported and by Bank Negara Malaysia since mid-2013. However, the the macro-prudential measures announced via Budget 2014 consumer sentiment brought on by risingcost pressures and year. Retail loan growth is envisaged to ease amid weaker We also expect to see loan slowergrowth industry this Chairman Datuk AbdulFarid Alias Total Deposits Total Assets yoy =year onyear Total Assets,Total LoansandTotal DepositsofCommercialBanks Financial Deposits Total Total Loans Total Assets (RM Billion) (RM Billion) 1,000 1,200 1,600 600 200 400 800 400 800 1,111,386 0 0 644,980 587,375 million a RM RM a 2009 1,111.4 2009
2009 587.4 63% 23% 14% % Increase % Increase (yoy) 5.3 4.9 4.5 Data 1,197,711 Deposits Savings 623,262 716,879 million 1,197.7 2010 2010 623.3 62% 14% 24% RM RM 2010
% Increase % Increase (yoy) 11.1 6.1 7.8 1,356.9 1,356,862 2011 2011 700.2 25% 13% 62% 798,350 700,163 Deposits Demand million RM RM 2011
% Increase % Increase 12.3 13.3 11.4 (yoy) 1,453.3 2012 2012 771.2 13% 63% 24% 1,453,333 865,322 771,197 Deposits Fixed million RM RM 2012
% Increase % Increase 1,561.2 2013 2013 841.8 63% 25% 12% (yoy) 10.1 a 8.4 7.1 1,561,229 933,980 841,826 Year Year million RM RM 2013
% Increase % Increase (yoy) 9.2 7.4 7.9
25 The Association of Banks in Malaysia • Annual Report 2013 26 The Association of Banks in Malaysia • Annual Report 2013 Profitability, RatesofCommercialBanks RatiosandInterest Capital 3 2 1 Notes: Total Loans Financial Source:
(%) 20 15 10 (%) 0 5 0 6 7 3 4 5 1 2 Includes loansto individualbusinesses. The definitions oftheeconomicsectors/industries arebasedontheMalaysian Standard IndustrialClassification(MSIC)2000. Total loans asat end 2013 billion,andincludesloanssoldto isRM934.0 Cagamas. P =Preliminary b a 2009
Data for 2009to 2013 extracted from BankNegaraMalaysia's 2014. Monthly Statistical Bulletin February Profitability data for 2009 to 2013 extracted from BankNegaraMalaysia's Financial Stabilityand Payment Systems 2013. Report 2009 as atend2013 Total loans billion RM934.0 Data 1 by Sectorasatendof2013 * IncludesIslamicBanks 2010 (Cont'd)
2010 2011 2011 2012 2012 a 2013 Other Sector Household Sector -54.85% -2.71%Education, HealthandOthers -7.06%Financing, InsuranceandBusinessServices Transport, Storage andCommunication Real -6.26% Estate Construction Wholesale, Retail, Restaurants andHotels -8.57% Electricity, GasandWater Supply Manufacturing (includingagro-based) -0.69% Mining andQuarrying Agriculture Primary Sector (RM Billion) 2013 P 2 10.0 30.0 20.0 25.0 15.0 -4.03% 3 -1.41% -2.77% Interest Rates Interest 2013 2009-2012 Ratios* Capital Profitability* Savings DepositRate 1-Year Fixed DepositRate Base LendingRate Average LendingRate Basel IIICapitalAdequacy Framework. based on components are reported 2013, Beginning January capital Tier ICapitalRatio(%) Total CapitalRatio (%) Core CapitalRatio(%) Risk-Weighted CapitalRatio (%) FundsShareholders' (%) Pre-Tax Profit/Average Pre-Tax Profit (RMbillion) a,b -0.68% -8.70% -2.28% as at31 December2013 Terminals andSelf-Service ofCommercialBanks ofStaff Number Bank Branches, Total AmBank (M)Berhad Alliance Bank Malaysia Berhad Affin Bank Berhad Citibank Berhad Bangkok Bank Berhad Bank ofAmerica Malaysia Berhad Bank ofChina (Malaysia) Berhad (Malaysia) Berhad Bank ofTokyo-Mitsubishi UFJ Deutsche Bank(Malaysia)Deutsche Berhad BNP Paribas Malaysia Berhad CIMB Bank Berhad CIMB Bank Berhad Hong LeongBank Berhad Malaysia Berhad India International Bank China (Malaysia) Berhad and Commercial Bank of Industrial HSBC Bank Malaysia Berhad Malaysia Berhad Bank Chartered Standard RHB Bank Berhad J.P. Morgan Chase Bank Berhad The Bank ofNova Scotia Berhad Corporation Malaysia Berhad Sumitomo Mitsui Banking Public Bank Berhad The Royal Bank ofScotland Berhad (Malaysia) Bhd United Overseas Bank Mizuho Bank (Malaysia) Berhad Malaysia Berhad National Bank ofAbu Dhabi Malayan Banking Berhad OCBC Bank (Malaysia) Berhad
Branches 2,004 Bank Bank 184 399 194 103 257 297 277 89 42 32 45 11 41 5 1 7 2 1 1 1 4 1 5 1 2 1 1 Number of Number of 138,172 13,523 47,523 14,427 17,740 3,092 4,239 2,002 4,693 3,601 3,851 9,351 9,162 3,187 Staff 408 163 164 113 207 179 60 90 64 32 92 25 87 97 9,326 2,777 2,217 1,417 ATM 253 882 638 180 128 570 93 58 37 76 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Machine Deposit Deposit 4,386 1,034 1,112 Cash Cash 125 288 466 128 202 144 616 45 80 52 94 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Deposit/ Deposit/ Machine Cheque Cheque 3,059 Self-Service TerminalsSelf-Service (SSTs) Scan Scan 355 539 104 591 114 312 214 510 83 78 88 19 51 0 0 1 0 0 0 0 0 0 0 0 0 0 0 Electronic Electronic Payment Internet Internet 1,725 Financial Kiosk/ Kiosk 263 100 478 415 241 55 70 10 31 47 7 0 0 0 0 0 0 0 0 0 8 0 0 0 0 0 0 kiosks, 45phone banking,57 recycle 410 cashrecycler machines, 17 coin deposit machines, 16 EPFkiosks 6 coin deposit machines, 2 EPF 6 coin deposit machines, 2EPF 26 passbook update machines 82 smart recycler machines 82 smart 13 coin deposit machines, 13 coin deposit machines, 14 coin deposit machines, 14 coindeposit machines, 10 coin deposit machines, 10 coindeposit machines, 6 coin deposit machines, 6 coin deposit machines, 2 coin deposit machines, 2 coin deposit machines, 6 coin deposit machines, 6 coin deposit machines, 3 coin deposit machines, 3 coin deposit machines, 4 coin deposit machines, 4 coin deposit machines, 3 coin deposit machines 17 multi function kiosks, 6 phone bankingkiosks cash deposit machines Data 2 statement printers 32 phone banking 112 EPFkiosks 476 EPFkiosks 40 EPF kiosks, 40 EPFkiosks, 30 EPFkiosks 12 EPFkiosks 10 EPFkiosks 7 EPF kiosks, 7 EPFkiosks, 1,466 Others Others 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (Cont'd)
27 The Association of Banks in Malaysia • Annual Report 2013 28 The Association of Banks in Malaysia • Annual Report 2013 Alternative ChannelsofCommercialBanks Delivery Financial (Malaysia) Bhd United Overseas Bank Berhad The Royal Bank ofScotland Corporation Malaysia Berhad Sumitomo Mitsui Banking Malaysia Berhad Bank Chartered Standard RHB Bank Berhad Public Bank Berhad OCBC Bank (Malaysia) Berhad Mizuho Bank (Malaysia) Berhad Malayan Banking Berhad J.P. Morgan Chase Bank Berhad of China (Malaysia) Berhad and Commercial Bank Industrial HSBC Bank Malaysia Berhad Hong LeongBank Berhad Berhad Bank(Malaysia) Deutsche Citibank Berhad CIMB Bank Berhad BNP Paribas Malaysia Berhad (Malaysia) Berhad Bank ofTokyo-Mitsubishi UFJ Bank ofAmericaMalaysia Berhad AmBank (M)Berhad Alliance Bank Malaysia Berhad Affin Bank Berhad Data
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Internet Banking
(USSD) 3) MyMobile Service pbebank.mobi pbebank.mobi 2) https://www. pbebank.mobi/app 1) https://www. Corporate: (USSD) Service Retail: MyMobile on java midlet application that runs Retail customers, maybank2u.com.my Retail: mobile. hsbcnet.com/mobile Corporate: www. Retail: viamobile App Retail: viamobile App com.my www.mobile.citibank. Retail: 2) CIMBClicksApp com.my 1) mobile.cimbclicks. Retail: bofa.com https://cpmobile. Corporate: Retail: viaMobile App via mobile App Retail: viamobile App Mobile Banking Alternative Delivery Channels Alternative Channels Delivery
Call Centre: 1-300-88-0900 2) Corporate Overseas Sabah & Sarawak Melaka Kuantan Johor Bahru Penang Overseas 1) Retail Retail General Retail: 603-7626 8899 Kuala Lumpur 603-2034 8055 Domestic 1) Kota Kinabalu Kuching Johor Bahru Penang High Value SMEs SME Hotline Commercial Premier Kuala Lumpur Corporate Retail Retail: CallCentre 2)
Call Centre: 603-5516 9988 Platinum cardholders and Privilege Platinum cardholders andPrivilege Banking members: 603-5516Banking members: 9898
Telebanking
: : : : : : : : : : : : : : : : : : :
: : : : : : : :
603-7844 3696 603-7844 603-2883 0000 603-26128 121 1-300-880-028 603-2178 8888 1-300-88-7000 1-300-88-5000 1-300-88-6688 1-300-80-8888 1-300-88-9393 1-300-883-399 1-300-888-888 1-300-88-1388 1-300-88-1128 1-300-888-111 1-800-82-1010 1-300-888-742 606-852 0000 609-509 0000 604-296 0000 607-268 0000 6082-287 121 604-2401 121 6088-477 121 607-2881 121
Corporate customers com/index.html https://www.maybank2e. Management Services) (Regional Cash Corporate customers Corporate customers Corporate customers PC/Desktop Banking
12,000 2,000 2,500 3,000 1,000 1,500 10,000 Source: Number TerminalsGrowth and Self-Service ofBranches ofCommercialBanksfrom2009-2013 Source: as at31 December2013 Terminals Network andSelf-Service Branch ofCommercialBanksby State Bank Branches/Self-Service TerminalsBank Branches/Self-Service 8,000 2,000 4,000 6,000 500 0 0 c The populationandhousingcensus isconducted onceevery 10 years. ofStatisticsMalaysia.Housing CensusofMalaysia, Department Population DistributionandBasic DemographicCharacteristics 2010 (Table 1-Key statisticsby state, summary Malaysia, 2010), Population and Data regarding numberofbranchesfor commercial banksasat31 December 2013 -ABM'scompilation. Data from 2009to 2012, extracted from 2009to ABMAnnualReports 2012.
Perlis 2009
Branch Network Kedah
Pulau Pinang 2010
Kelantan
Terengganu 2011
ATMs Pahang Self-Service TerminalsSelf-Service
Perak 2012 Selangor Other SSTs WP Kuala Lumpur
2013 WP Putrajaya
WP Labuan Year Financial Negeri Sembilan Population (SSTs) TerminalsSelf-Service Other SSTs ATMs Bank Branches Melaka Population (Million) Johor Data
Sabah (Cont'd)
Sarawak C 5 4 6 0 1 2 3
29 The Association of Banks in Malaysia • Annual Report 2013 30 The Association of Banks in Malaysia • Annual Report 2013 INTRODUCTION 1. 31 December2013 for andonbehalfoftheCouncil. Report Annual the submitting and the Audited Financial Statements for the year ended in pleasure have I (ABM), As Executive Director of The Association of Banks inMalaysia oftheCouncil Report payment products to e-payments. required to drive behavioural change from paper-based took onboard their feedback asregards whatwould be andlistenedwith, to awide range of stakeholders, and ofoursecure work, and reliable. Inthe course we engaged community and customer needs, but alsothatitremains systems are competitive andresponsive to the business to e-payment. Itisnot only crucial thatthe payment and resources the national agenda of migration to support ABM had devoted asubstantial amount of its time, energy Towards thisend, since the beginning of the year, betterment ofthecountry. of this initiative for isinfull support the industry banking by We 2020. are proud to say that the commercial cleared, by half from2012in million 204 to 100million payment the number of cheques products,particular in 200 to transactions per capitawhilereducing paper-based (e-payments) payments electronic of use the meeting this agenda. One of these targets is to increase Malaysia has set out several targets to be achieved in developed nation status by the yearBank Negara 2020, investments. In linewithMalaysia’s visionto attain effect on the way we live, do business and attract is vitalto the Malaysian economy as it has a profound infrastructure systems payment efficient and sound A
A. 2. (i) Our ‘e’agenda OFKEYINITIATIVESREPORT IN2013 need to extend ourreachfor better accessto financing. complex changes to legal and regulatory the on-going issues ranging from the more wide spectrum of industry from the e-paymentApart agenda, ABM had to tackle a industry. presents this for the commercialopportunities banking the grasp will and confidence and optimism real with the next few years. We look forward to thischallenge is changingdramatically and will continue to do so over paymentslandscape Malaysianway”,electronic the the “Banking of year this rationale cover our in reflected As of benefits the of electronic awareness alternatives. public boosting and stakeholders to address existing tobarriers e-payments deepening engagements with businesses and promote, and improve e-payments, which included During the year, ABMcommitted to an action plan to of production,currentlyis which about per RM3 the cost to the customer closer to the actual cost The purpose of the cheque processing fee is to bring acceptance ofe-payments. government agencies to facilitate acomprehensive since been deferred 2015 to 2 January to allow implementation ofthe cheque processing fee has the for date effective the However, 2014. April 1 a cheque processing fee of 50sen commencing prong would have involved the introduction of 10 senwitheffect from 2May 2013. The second and mobile bankingfrom internet RM2to amaximum of via conducted transfer fund (IBG) GIRO saw the strategy pricing lowering of the transaction fee for Interbank of the prong first The Malaysia’s FinancialSector Blueprint2011-2020. driven by targets as set out in BankNegara towards a highvalue added, income high economy as Malaysia transitions important migration is the migration to e-payments. The need to accelerate instruments, with the key objective of accelerating between e-payments and paper-based payment to address the current price distortion services a new two-pronged pricing strategy for payment In March 2013, BankNegara Malaysia announced Accelerating themigration to e-payments
Questions (FAQs) in three languages (English, (English, onto ABM’swebsite, wwww.abm.org.my. languages three Bahasa Malaysia and Mandarin)have been posted in (FAQs) Questions fee guidelines together withthe Frequently Asked cheques were alsoaddressed. The cheque processing which were returned unpaid and re-presented imposition of the cheque processing fee on cheques fee atthe time ofapplication.Issues relating to the instrument willhave to pay the cheque processing order,demand draft/cashier’s theapplicant of the currency bank concerned)/bank draft/foreign (whether cheque banker’s in local or foreign currency, depending on the a of case the In bank. the stamp duty and commission collected by the The cheque processing fee will be in addition to charged to the drawer or issuer of the cheque. agreed thatthe cheque processing fee isto be processing fee. The industry, much deliberation, after set of guidelines for the imposition of the cheque in collaboration with member banks agreed on a Besides the payment reference standards, ABM reference fields. to explain to of the public the different members payee or recipient.Acommuniqué was drawn up was to of the facilitate reconciliation on the part The mainaimof the payment reference standards version of the recipient’s bank account statement. be shownname will onthe online and/or hard-copy relates. These details, together with the sender’s and the period for which the paymentparticulars the invoice,insurance bill, policy or car registration payer may choose to include information such as Other Payment Details field is optional. As such, the the while fields mandatory now are Name Sender’s or mobile banking. TheRecipient Reference and for transactions IBG made internetvia banking worked on aset ofpayment reference standards member banks togetherABM with our participating received through ToIBG. overcome this problem, to identify and reconcile funds recipient when trying common issue raised was the difficulty faced by the From our engagements with the public, one channels. more convenient for customers to use e-payment promote the use of e-payments but also make it Malaysia, work began in earnest at ABM to not only Following from thisannouncement by BankNegara 15 senstamp dutypercheque leaf. e-payment methods. At present, customers pay only the public from using cheques and thus move to cheque. It is hoped that this fee would dissuade
In conjunction with the road-shows, the banks held nationwide to showcase their e-payment products. The e-payment. Council banks had set up booths at the road-shows using of benefits numerous the IBG shared their knowledge and experience of customers as who/which have made a successful migration to well as bankers “Experience road-shows, the IBG” At campaign. transfer fund IBG were conducted to across promote the country the From October 2013 to March 2014, 12road-shows online bankingande-payments. security features and safe practices in conducting with their bankers to learn more about the benefits, tochambers to encourage their members engage engagement sessions with the SMEs and business its member banksalsoactivelyin participated funds severalvia outreach programmes. ABM and preferred mode of makingpayment and transferring to IBG as the adopt e-payment, in particular of the encourage public and businesses members member banks and Bank Negara Malaysia to to e-payment, ABM worked arduously with its of the national agenda for the migration In support e-payment products Road-shows,Open Days and Showcasing of guidelines aretargeted to berolled outin2014. draft banks and to Bar Council for feedback. The finalised The facilities. guidelines have been circulated to the member financing of disbursement for inter-bank e-payment in respect of redemption/ Bar Council, ABM drew up the proposed guidelines Following from the discussions held with the to allthebanks. persons,collatedliaison byhas been extended ABM, queries relating to the transaction. The listofthe providewill the details for of a liaisonperson any the electronic transmission. In addition, the banks additional information not necessarily contained in the redemption sum is to bepaidaswell as pertinent of the account tostatement, which the particulars the vendor’s financier will include in the redemption that agreed have banks member Briefly, property. sale and purchase transaction of an immoveable processesand disbursement the contextin ofa ofthebanks,would affect the redemption part to see how the new e-payment procedures on the 2013,heldABM discussions the with Bar Council cheques for inter-bank payments bySeptember 30 and RENTAS would members need to cease issuing mindful that our Being member are IBG banks which Report oftheCouncil Report (Cont'd)
31 The Association of Banks in Malaysia • Annual Report 2013 32 The Association of Banks in Malaysia • Annual Report 2013 Report oftheCouncil Report
i.e. English,Bahasa Malaysia, Chinese and Tamil were published advertisements in four languages, e-payment was adopted for the media campaign.Print using of benefits the highlights which The tagline,Fast,banking. Affordable, Convenient, maximum of10sen for internetand mobile banking inform the public of the reduction in the IBG fee to a to 2013) was December – (October phase first The campaignprint, radio and onlineadvertisements. via embarked on atwo phased mediaoutreach from the engagement sessions, ABM Apart Media Campaign participants. IBG transaction online was also provided to the step-by-step demonstration on how to an perform internetvia IBG A and mobilebanking. banking the use of cash management suites, in particular banks explained their respective ranges of online products offered by thesaidbanks.Participating showcase the various e-payment channels and of Malaysia of CommerceChambers to Industry with the media and with TheAssociated Chinese of itsmember banks held engagement sessions funds and pay bills,ABMtogether with several internetto andmobilebanking banking transfer regardingconcerns and reservations the use of Taking into consideration that there may be initial premises themselves. with e-payment channels positioned at the bank halls to assist customers to familiarize themselves will be assigned at ‘ambassadors’ the banking Staff have access toservices. and IBG onlinebanking their branches nationwide to enable the public to provide at least one internet banking kiosk at all internet access, member banks have committed to To cater for segments of the public that do not have with atake-up rate ofabout70%. attendees at these road-shows hasbeen positive to heartening noteis that the response from the about e-payments It and online banking services. encouraged to attend these events to learn more of Small businesses the public and weremembers over Day stretched a week to coincide with the relevant road-show. Open The more. out find just IBG for themselves or, asthe case may be, to able to visit the branches to or experience better try near-by cities/towns. In this way, customers were Oe Dy” t hi priiaig rnhs in branches participating their at Days” “Open (Cont'd)
(ii) be completed by of2014. first quarter envisaged that the review and selection process will recommendation to the Steering Committee. It is review the proposals received before making its RFP sub-committee itsmeetingskick-started to are to be submitted to Bank Negara Malaysia. The on the progress and PIN initiative. reports Quarterly various aspects for the implementation of the Chip and Technology and Communications to (RFP), look into the Proposal for Request Procedure, and setting upofthe various sub-committees, i.e. Policy time, the Steering Committee also formalised the submit their proposal for this project. At the same convened. has invitedABM several consultants to of the Chip and PIN Steering Committee were quickly Being cognizant of the extended deadline, meetings be shall which completed 2018. standard, by 1January EMV the to card debit required to for migrate the industry the domestic was granted taking into after account the resources be completed 2015. byJanuary 1 The deferment to remain shall ATMs at implementation However, point of sale from end 2014 2017. to 1 January brand credit, debit, charge and prepaid cards at implementation of Chip and PIN for international Malaysia wrote to ABM agreeing to defer the brand payment cards. In August 2013, BankNegara proposal to implement Chip and PIN for international Bank Negara Malaysia for a reconsideration of the During the year, ABMpersisted with itsappeal to Chip and PIN (EMV) ofEuropay-MasterCard-Visa Implementation to maketime andeffort thiscampaign asuccess. all our fellow bankers who have contributed their ABM would like to extend a note of appreciation to using e-payments to ofthepress. members of benefits the showcase to IBG on demonstration Marchon 6 2014,ABM hosted a step-by-step to the media the latest e-payment initiatives and was held on 13 2014 February to better explain sen cheque50 processing fee. A press conference 2014, focused on the impending imposition of the toThe second phase which ran from March January were placed on several key and websites. portals andadvertisements languages. Online banners were addition, aired three radio in advertisements and were featured in four major newspapers. In B. (ii) (i) Our consumerandSMEagenda Phase 1 of PARTNER (or PARTNER 1), ABM and its and ABM 1), PARTNER (or PARTNER of 1 Phase their growthof SMEsin anddevelopment. Under with line in 2010 the vision of commercial banks as a true partner in the “PARTNER” under called (SMEs) banner Enterprises Medium & Small for the services customer and first efficiency banking members bank commercial launched a series of initiatives towards enhancing its and ABM PARTNER, Phase 2 to of2014. beannouncedinthefirst quarter 2013December in kicked-off data findings the with agreed to in the survey. participate The collection of that nine Council banks ABM ispleased to report agreed upon. methodology to beused were ironed out and of customer satisfaction components and the Identification industries. various across benchmark Europe have already adopted this methodology to Singapore,South Koreacountries such as USA, and at the national and internationally level given that be benchmarked but also notthe industry onlywithin (ACSI) be carried out. The results from the ACSI model can Index Service methodology, Customer to work out the details of the survey to American the been has given out surveys based on thelicence to carry which (MPC), Corporation Productivity Several discussions were held with Malaysia the gapsandpriorityactionareas. improve customer satisfaction but will also identify measure the impact of the banks’ initiatives to excellence.of service Notthe index onlywill also standards and promotewill raise service a culture It was noted that a customer satisfaction index beconducted.on customer service benchmarkingexercise proposed that anindustry the Consumer and Market Conduct Committee 2011 and 2012 respectively, ABM together with or in staff Experience” centre frontline/call for Handbook Customer N1CCE Class First Nurturing for “Handbook the and Charter Service Customer Followingfrom the successful roll-out of the SatisfactionCustomer Index
(iii) a. PARTNER 2:- July 2013. The following were introduced under code-named PARTNER 2was rolled out on 15 member banks for PARTNER 1, asecond phase, from both SME businesses and ABM’s participating Spurred on by the positive response and feedback and procedures ofapplications for aSMEloan. processes the simplified and streamlined members banks withtheircustomers. that of 98% the cases were resolvedreport by the from of the public, and ABM ispleased to members attended to approximately 11,300calls andqueries its inception,ABMConnect or night, andremains apopular alternative. Since complaints and/or queries at any time of the day a 24/7is channel allowing tothe public submittheir banking industry. The online version, from the public on issues related to the commercial a key role in addressing queries and complaints was9980, setThe hotline2008. upin hasplayed ABMConnect ABMConnect ABM’s website. Documents relating to PARTNER 2are available on c. b. Report oftheCouncil Report • covering broad reasonssuchas:- in whichthe applicant has failed to satisfy, by, banks, which provides a checklist of areas A template for the guidance of, and adoption • • • • maximum of43days. fromshortened a maximum daysof 70 to a for straight-forward cases has been which of the processing of loan/financing applications respect in timeline refined a depicting chart A should take amaximumof52days; and straight-forward by cases supported CGCwhich for applications loan/financing of processing depicting the timeline in respect of the A chart •
The weaknesses ofthe business plan; The adequacy of the security /collateral; Corporation Malaysia Berhad (CGC); The back to back approval of Credit Guarantee The impact offinancialrecords; The relevance ofthecredit history; Such other reasons which may be applicable; , ABM’s hotline service on 1-300-88- , ABM’shotline service andeABMConnect have eABMConnect, (Cont'd)
33 The Association of Banks in Malaysia • Annual Report 2013 34 The Association of Banks in Malaysia • Annual Report 2013 C. Report oftheCouncil Report (i) Our bankingefficacyagenda (iv) • • • takes agreementasfollows:- theform ofa3-part effective 2013, fromJanuary 1 the main in which and belowsums principal of RM500,000 with home financing agreements for individuals involving terms and conditions in respect of housing loan or standardised template for the description of key The 13 Council Banks of ABM have adopted a and conditions Standardised template for of key description terms public ofthedifferent scamsandmodusoperandi. banks to educateparticipating of the members on the Do’s and Don’t’s were distributed by the Leaflets campaign. awareness e-banking the about to briefthe media at apress conferenceopportunity organisations and banks, ABM also took the and Kuching withBankNegara Malaysia, SME At the dialogue sessions held Kotain Kinabalu conjunction withitsbankingandfinance week. campaign whichwas aired in April 2013, in NTV7’s on spot Breakfast Show to promote the awareness a for arranged ABM addition, In by radioadsairedover threeradiostations. 2013. till6February 15 January was This followed scams were placed in sixnewspapers, from of the public of and email, SMS phone members In conjunction with the launch, print ads to alert regarding the methods deployed by cyber criminals. victims by empowering them with knowledge e-banking scams sothat they could avoid becoming awareness among the general public on current The six-month campaignwas aimed at creating fraud awareness campaign. Internet BankingTask Force launched the e-banking Police under the auspices ofBankNegara Malaysia’s Multimedia Commission, and the Royal Malaysian Malaysia, the Malaysian Communications and CyberSecurity (AIBIM), Malaysia Institutions Banking Council member banks,the Association of Islamic 2013,In January ABM,incollaboration with13 E-banking fraud awareness campaign at wih otis h rsetv bank’s Letter ofOffer. respective the contains which C Part A;and in Part standardised covered not terms other contains the which B Part contains which provisions; A Part (Cont'd)
D. (i) Our regulationsagenda (ii) financial institutions in December 2013 highlighting Commissioner as the agreed data user forum for the weAIBIM and our members, wrote to the new of Malaysian Investment Banking Association, PDPA Commissioner on the same day. Onbehalf and the appointment of En Abu Hasan Ismail as the following the announcement of the effective date The PDPA came into force on 15 November 2013 ProtectionPersonal Act Data (PDPA) Public Utilities,LegalandTelecommunications. set up under the FGPE.Theother four are Retail, groups taskforce five the of one Malaysia, Negara taskforce on Banking and Insurance chaired by Bank process Malaysia.in a member is of the ABM other hand, aims to look at ways to expedite theinsolvency the on FGRI, consumers. the benefit productivity in the industries concerned that will as a platformserves to identify initiatives to improve Malaysia, in registration of property whilethe FGPE transparency the in procedures the in pre and post of improvingprocesses and enhancing the The FGRPistasked to look at ways and means all established undertheauspicesofPEMUDAH. (FGPE), Consumerism towards Accountability and Efficiency Sector Private on Group as Focus well the as (FGRI) Insolvency Resolving on Group Focus the (FGRP), Property Registering on Group of the FocusABM remains an active participant Focus Groups under PEMUDAH ABM’s website. versions A are available of the standardised Part on A copyand BahasaMalaysia eachoftheEnglish in November 2013. standardised template was introduced subsequently and products offered. A BahasaMalaysia versionservices ofthe financial the of comparison direct the industry, also be ableto will consumers make amore across agreements financing home of the standardised template for housing loans or With greater consistency being introduced through the adoption needs. and circumstances financial make informed decisions that best meet their rights and obligations and enables them to promote of their understanding consumers’ clear and easy to It thus understand. helps to be presented in a manner which isconsistent, The standardised template, allows A, terms Part (iii) (ii) industry’s association, ABM’srole tois industry’s spearhead be adopted by Malaysia. As the commercial to banking (IGA) Agreement Intergovernmental the (MOF) on Finance of Ministry the with discussion its Negara Malaysia onthe developments relating to ABM has been actively following-up withBank Foreign Account Tax Compliance Act (FATCA) internal reference withinthegroup. butmore tofor athird of generating areport party as the shared information is not for the purpose in the same group would not come under the CRAA of information and credit data among the entities has since responded to indicate that the sharing 2014to discuss the issues raised. The Registrar A meeting withthe Registrar was held in January within thebankinggroup. sharing of credit information with another entity wasrelation in to the collecting, retainingand to Akey the CRAA. pertaining concern of the banks with regard to theissues raised by member banks ABM followed up with the newly appointed Registrar preparation for the implementation of the CRAA, The CRAA was gazetted on 10June 2010.In Act (CRAA) Agencies Credit Reporting banking sector. establishment of the data user forum for the that need to be taken in order to formalize the with the PDPA Commissioner to discuss the steps concerns and to seek engagement opportunities ABM willactively follow-up with JPDP on members’ subsequently. hold sent institutions also financial was the JPDP to registration should be on the basis of licences that letter Afollow-up our viewsputting forth and rationale as to why hold. institutions financial the basis ofof licences activitiesor that on thebasis the of theissue with whether registration for PDPA should be on the todiscuss (JPDP) sector services Peribadi financial Data Perlindungan 2013,a publicconsultation was held by Jabatan Communications and Culture. On 10September to the PDPA ofInformation, withthe Ministry the issues and concerns raised in connection ABM hadalready prior thereto continued to pursue registration regulations. the of aspects certain on clarification seeking and our concerns in respect of the PDPA regulations (v) (iv) within theStamp Act. areas specific on IRB by raised queries periodic to In the interim, we will share our feedback and input as well asthosewhichwillnot beconsidered. are proposedwhich by IRBto beincluded the Actin of suggested amendments made by stakeholders meeting, IRBbriefed all those present on the list the feedback andproposals submitted. At the all stakeholders was called by the MOF to discuss Stamp Act 1949in December 2011, ameeting with ontheproposedmembers amendments of the FollowingABM’s submission of feedback from its Proposed amendments to Act theStamp 1949 through theconduitofABM. requested to give their commentsthey which have of 2014the beginning and member banks were was issued by the Royal Malaysian Customs at GST guide on commercialFITR. Thedraft banking that could be included into the income based sought from the authorities on the income streams about by the irrecoverable input.was Agreement to the banks’ operating cost that would be brought be adopted. One ofthe key concerns the impactis the authorities should a revenue based approach banks and to the market were also highlighted to for our member banks. Theimpact to our member sheet method of computing the FITR bemaintained Appeals were made to the regulators that a balance tax input fixed recovery the rate (FITR) mechanism for on purposes of GST. Malaysia Negara Bank to During the year, ABMmade several submissions TaxGoods and Services (GST) steps totaking thenecessary comply. have made positive progress or are in the process of pleased to note thatthe majority of ABM’s members authorities foron a Model 1 IGA Malaysia. We are that MOF’s preference is to with the US pursue understand to given been haveMOF. We and (IRB) Negara Malaysia, Inland Revenue Board of Malaysia analysis was made to representatives from Bank models. A presentation on the the different IGA in forof the IGAs FATCA and the FATCA role Partner’s regard, we appointed solicitors to provide an analysis this In 1. Model IGA adopt to institutions financial rationale for local authorities of Malaysia and the and benefits the explain to Malaysia Negara Bank to written had ABM Accordingly, profiles. individual will review their own compliance based on their whilstthebanks the concerns of theindustry Report oftheCouncil Report (Cont'd)
35 The Association of Banks in Malaysia • Annual Report 2013 36 The Association of Banks in Malaysia • Annual Report 2013 E. Report oftheCouncil Report (ii) (i) Our collaborative agenda (vi) f bnoe Poet; b Wrig ru o the on Group Working (b) Projects; Abandoned of i.e. (a) Working Group on the Revival and Monitoring Taskforce, three workinggroups have been formed, abandoned projects Undersince 2009. the Special to address issues relating tothe Chief Secretary Taskforce on Abandoned Projects chaired by Special the in represented been has ABM (MHLG), Under the Ministry of Housing and Local Government ofHousing and Local Government Ministry forwarded to thebanks. Technical Note to ABM.Theseguidelines have been Securities and Guidelines on Sukuk &Issuance of extended its Revised Guidelines on Private Debt During the year, the Securities Commission forwarded to Malaysia Bursa for consideration. the various were consultation papers compiled and banks for review. Feedback from member banks on and other enhancements were extended to the review of time frame for issuance of annual reports Market Listing Requirements in relation to the to theMainMarket ListingRequirements and ACE independent adviser vis-à-vis adviser. Amendments such as the role of principal adviser and sponsor or review of the RequirementsListing various in areas MalaysiaBursa by providinginput on the proposed On the capital market front, ABM collaborated with MalaysiaBursa and the Securities Commission sheet for lessees. accounting and would bring most leases on-balance by leases. This isa fundamental change to lease and forliabilities the rights and obligations created that would require alessee to recognise assets to asa"right-of-use model" to lease accounting proposesexposure a new draft approach, referred lease assetson the or balance liabilities sheet. The for operating leases, a lessee does not recognise whereas leases financial for sheet balance the on a lessee recognises lease assets and lease liabilities provided to MASB.Under the existing requirements, were also Comments on the Leases Exposure Drafts 2013.which cameinto effect on1January torelating issues consolidated statementsfinancial on (MASB) Board Standards Accounting Malaysian previousAs in years,gave ABM input to the Accounting issues (Cont'd) (v) (iv) (iii) combat fraud. have provided an avenue for greater collaboration to We are appreciative to CCID for the dialogues which detect the branch where the fraud was committed. banks’ respective branch code to enable them to investigations such as providingthe police with the measures were proposed to facilitate police trends were shared with the banks. Additionally, the year. At the dialogue sessions, the latest fraud Committee and ABMheld two dialogues during between of the ABM Fraud CCID, members Risk stay on high ABM’s agenda. The joint taskforce Fraud related issues affecting the banking industry (CCID) Commercial CrimeInvestigation Department were alsodeliberated atlength. Issues in relation to facilitatingtrade across borders would be looking at positively on the exclusion. banks would be one to the categories that MITI ofthe STA. We are grateful that hasresponded MITI that the provisions under a broker of definition where banks have asked to be excluded from the 2010Trade(STA)StrategicAct the on MITI to given agencies such as MITI during the year. Input was ABM held engagements with other government ofInternational Trade (MITI) Ministry and Industry the developers hadwound up. where on projects assist to specifically requested titles were discussed and member bankshave been titles. Measures to expedite the issuance of strata addresses issues relating to the issuance of strata of Land and Mines which of the Department set up in2011 and chaired by the Director General ABM isamember of the Strata TitlesWorkingGroup ofLand and Mines Department Build-Then-Sell orSell-Then-Build. MHLG the projects that are viable, be it that banks will support to reiterated constantly has ABM and Then-Sell concept remains a hotly debated topic the revival of the same. The proposed 10:90Build- address issues relating to abandoned projects and workinggroups. Meetings are held regularly to Chairman Bankare active ofallthree members ABM together with representatives from the and Monitoring Mechanism. Enforcement Legal, the on Group Working (c) and Direction and National Housing Development Policy; F. (i) Our internationalagenda (viii) (vii) (vi) relations and close cooperation with Australian the study tour was to buildandfoster inter-regional tovisit purpose of Melbourne, Australia. The primary of theASEANBankers Association organised a study ASEAN Inter-Regional Relations under the umbrella as the Chair forABM the Permanent Committee on ASEAN Banking Council explore financingoptions. as banks have approached to them afterwards feedback Positive has been received from these companies financing. of terms in support them lend could better their operations and understand strategies,and products viability sothat the banks companies to present to the banks theirbusiness as well-structuredserve platforms for these biotechnology companies respectively. Thesessions MDeC andBiotech for companiesthe MSC/IT and jointly organised withBankNegaraMalaysia and In 2013, several business matching sessions were (Biotech) Malaysian Corporation Biotechnology Sdn Bhd Multimedia Development Corporation (MDeC)and purchase loans. interest for sale for loss after housing and/or hire- of parameters for interest rate and waivers of Malaysia. Proposals reviewed included the revision service to financial providers of Bank Negara under the purview obligations financial their by borrowersaimed at assisting whoare distressed to itsdebt management programme, aprogramme group formed by AKPKto address issues relating workingan activeis ABM member of the industry Kaunseling dan PengurusanAgensi Kredit (AKPK) will beupdated asandwhentheneedarises. and finalised been have notice standardised a as Procedures as wellfor the dissemination of the alert bank’s websites. A set of Standard Operating premises, on ATM screens and on the respective disseminated to the banks andposted at the bank where noticeschildren are ofmissing quickly Development initiative on the missing childalert ofWomen, Familyand the Ministry and Community is working together with the Royal Malaysian Police ofitscorporate socialresponsibility,As part ABM Family and Community Development Royal ofWomen, Malaysian Police and Ministry (ii) Meeting and Conference in2014. Taiwan Business Bank willco-host the 11th Annual alphabetical rotation. Taiwan Cooperative Bank and Ministers Meeting on Economies, and is hosted in is held at least once a year prior to the APEC Finance economies the meetingsigned in2003, of signatory accordance to the Memorandum of Understanding economies. In future plans among the participating cooperation the activities inpastyear and discuss The objective of the annual meetings isto review as “Banks Valued to SMEs”. Partners was Conference and Meeting Annual from several member banks. The theme for the May 2013 was attended by ABMand representatives by TheAssociation of Banks inSingapore from 9-10 The 10th Annual Meeting and Conference hosted Dealing with SMEs APEC Financial Institutions Association ofthePhilippinesin2014. Council Meeting willbe hosted by the Bankers ConferenceBanking ASEAN Banking and 44th rotating the venue of the meeting, the 20th ASEAN In accordanceof ISO 20022. to the tradition of conducting of workshops to promote the awareness for the ASEAN OneIntegration,Banking and preparation programme in certification wide ASEAN Council which included the establishment of an programmes were adopted by the ASEAN Banking region to cooperate amongst each other, several key Myanmar. Recognisingthe need for banks in the 43rd ASEAN Council Banking Meeting inYangon, In November 2013, in the ABMparticipated to Melbourne. that was extended to the delegation during the visit appreciation for the warm hospitality and reception name afew. ABMwishesto record itsthanksand developments in riskmeasurement models, but to Australia,in depositor protection, Basel IIIand for sector,the junior mining prudential regulation financing included hosts respective the by covered Australia Prudential Regulation Authority. Thetopics EquityMembers RMBResources Bank, and Australia and New Zealand Banking Group, organisations, namely National Australia Bank, During the visit, the delegation visited several Myanmar, SingaporeandMalaysia. 21 comprisingsenior bankers from participants study The tour was held Octoberin 2013 withatotal services. of financial wider and banking ofthe associations and members banks, industry Report oftheCouncil Report (Cont'd)
37 The Association of Banks in Malaysia • Annual Report 2013 38 The Association of Banks in Malaysia • Annual Report 2013 4. 3. oftheCouncil Report hiuslh al, aaig ietrCO f RHB Bank Berhad. of Director/CEO Managing Ramli, Khairussaleh Dato’ and Berhad Bank Executive Leong Hong of Officer Tan Kong Khoon, Group Managing Director/Chief Atwelcomes thesame time, ABM to the Council Mr future endeavours. them well ofABMandwish Council members their in during their tenurefor as their wisecounsel and support appreciation to both Datuk Yvonne and EncikJohari Chia be missed. We would like to record our sincere various banks, since 1995and she will certainly Chia hasbeen a member of the Council, representing Bank RHB of Berhad whoresigned from Datuk Yvonne the bank. Director Managing Muid, Abdul Johari Berhad who retired from the bank as well as to Encik Bank Director/ChiefLeong ExecutiveManaging Hong of ABM also bade farewell to Datuk Yvonne Chia, Group excel underhisleadership. further a warm welcome to Datuk Farid and look forward to was officially appointed as Chairman of ABM. We extend Alias, inAugust 2013. On5August 2013, Datuk Farid appointed its new President/CEO, Datuk Abdul Farid assumed the position of interim Chairmanof ABM untilthe bank Merican, Rafique Mohamed Encik Berhad, Banking Malayan of Officer-in-Charge The Department. his appointment as a Minister in the Prime Minister’s Omar, Malayan wholeft Berhad Banking following fond farewell to our Chairman, Dato’ Sri Abdul Wahid representation in June beginning when we bid a The year saw several the changes in Council Bank for theensuingyear. MalayanBerhad Banking was re-elected as Chairman foras Councilmembers theyear. Malaysia Berhad and AmBank (M) Berhad were co-opted were re-elected Alliance Bank asCouncil members. and retired Berhad Bank RHB and Berhad Bank Public Constitution, ABM's of 13(iii) Article to pursuant 2013, At the Annual 39th General Meeting held on 19 June CHANGES TOTHECOUNCIL at 31 December2013 stood at2,004. Malaysia. The branch network of commercial banks as ABM remained at 27commercial banks operating in As at 31 December 2013, of membership the ordinary MEMBERSHIP STRENGTH (Cont'd)
On behalfoftheCouncil 5. CONCLUSION Executive Director Chuah MeiLin the course oftheyear.the course Commission for their assistance and guidance during authorities including the Securities other regulatory of Finance, Governmentthe Ministry agencies and our appreciation highest to BankNegara Malaysia, Once again, ABMand the Council wish to record of thecommercial bankingindustry. strengthen the integrity andimprove theeffectiveness closely with them to address and resolve issues to collaborate to continue will We industry. the to benefit which have dedication and expertise been a support, and committees. We are grateful for their unwavering and commitment displayed by our various working groups I would like to record my appreciation for the enthusiasm to doduringtheyear. member banks, achieved much of what we have set out persevered and, withthe invaluable cooperation of our lots ofchallenges thrown our way. We have, however, hecticbutrewardingbeen avery one, fraught with indeed has it that say must we 2013, on reflect we As retain customers. standardsconcentrate to onhigherservice attract and value to the existingvalue chain, competeand onpricing haveplace, banks will to enhance product lines, add To meet the ever-changing demands in the market capitalisation, sustained profitability and ample liquidity. cog-wheel of the domestic economy, backed by strong willremain an important Malaysian bankingindustry expectedis to continue to bethe anchor of growth. The 2014. For the Malaysian economy, private sector activity The globaleconomy isexpected to grow moderately in to make better comparison of the financial products and offered. services products financial the of comparison better make to of the standardised template,also willbeable consumers With greater consistency needs. being introduced through the adoption and circumstances financial their meet best obligations to enable them to make informed decisions that of their rights and understanding thus boosting consumers’ presented in a manner which isconsistent, clear and simple, template, whichinthe main allows A, terms to Part be The media was briefed on the objectives of the standardised and below, of RM500,000 2013. witheffect fromJanuary 1 financing agreements for individuals involving principal sums of a standardised key terms and conditions in respect of housing loan or home adoption the template by itsCouncil banks relating to the description of announce to briefing media a held (ABM) Malaysia in Banks of Association The Financing Agreements for of KeyDescription TermsLoan/Home for Housing Documentation Standardised on Briefing Media 20133 January Calendar ofEvents Thursday tips on how to avoid being avictimto such scams. and new threats incyber security aswell asproviding useful financial development was aimed atraisingpublic awareness about e-banking scams the campaign awareness concerted and first This institutions. banks Islamic banks, Multimedia Commission, CyberSecurity Malaysia, commercial Royal Malaysian Police, Malaysian Communications and comprises representatives from Bank Negara Malaysia, in collaboration withtheInternet Taskforce Banking which Bank of Governor Negara Malaysia. Assistant ABMwas tasked to lead thiscampaign Yahaya, Alshari Hassan Encik Abu by officiated and 2013 January 15 on launched was awareness fraudcampaign (e-banking) electronicbanking An ofe-BankingFraud AwarenessLaunching Campaign explain thekey provisions of thesaidAct. to providean overview bankswith aswelland ashighlight AbdullahMessrs Chan,Advocates & Solicitors was invited banks. member for sessions briefing organised ABM 2013, the coming intoWith force Act Services ofthe Financial Act 2013 Briefing ontheFinancialServices 4 March 2013 201315 January Tuesday Monday
39 The Association of Banks in Malaysia • Annual Report 2013 40 The Association of Banks in Malaysia • Annual Report 2013 issues relatingto financing. day, involving andbankstobusiness chambers discuss A similarengagement session was held in Kuching the next Datu intrusion by providingadvice and rescheduling of loans. Sabah towere assistthe SMEs which affected by the Lahad up mobile counters inLahad Datu, Semporna and Tawau in financing the schemes which are available to them. Meanwhile, understand banksset better to community business dialogue. The event provided an interactive avenue for the to in Sabahan engage activewith the business chambers (AIBIM) Malaysia Institutions Banking Islamic of Association ABM collaborated with Bank Negara Malaysia and the Kinabalu &Kuching Kota Chambers/Associations, Business and Heads RegionalInstitutions’ with Financial Engagements 18-19 April2013 Calendar ofEvents (Cont'd) Thursday -Friday 9-10 May 2013 financing inthecountry. other signatories the progress of SME development and Malaysian to delegates share with the had the opportunity SMEs” to (ABS), Singapore in Banks of Association hostedThe byand Partners Valued as “Banks themed was which Institutions Dealing withSMEs. During the two-day event, the 10th Annual Meetingand Conference of APECFinancial in participated Berhad Bank RHB and Berhad Bank Leong Hong Berhad, (M) AmBank Berhad, Malaysia Bank Alliance ABM together with senior representatives from Maybank, Memorandum Septemberof Understandingon 5 2003, that signed the Members As one of the13Signatory Dealing withSMEs,Singapore Financial Institutions 10thConferenceand of APEC Meeting Annual Thursday -Friday on thenew schemes thatare available. to discussed. CGCalso took brief the banks the opportunity banks, issues relating to the CGCguaranteed facilities were At thedialogue session held with CGC and the Council Berhad (CGC) MalaysiaCorporation Guarantee with Credit Dialogue 16 May 2013 byABS alternately and ABM. is hosted in 1975, begun first which and friendship fostered over the years. tournament, This to networkopportunity together inthe spiritofcamaraderie inthe friendly game astheynations participated took the Club. Atotal of 76Island Country bankers from both host for thisyear’s event, ABS,was held atthe Singapore The 39thannual golftournament between ABMandthe 39th ABS/ABMAnnualGolfTournament 11 May 2013 Thursday Saturday
by almost 800 participants fromby ABMmember banks. almost800participants came into force inJune 2013. The workshops were attended Act which administration rules under the FinancialServices Kuala Lumpur, to brief bankers on the new foreign exchange Town, Johor Bahru, Kota Kinabalu, Kuching, Kuantan and workshops in major cities across the country, namely George ABM, incollaboration withBankNegara Malaysia, organised Foreign RulesWorkshop Exchange Administration scheme were raisedandclarified. were bybanks also deliberated and queries relating to the PR1MA home offered be to schemes financing possible on its programme and roll-out plans. Discussions on the a dialogue session for PR1MA Berhad to briefthe banks income households in key urban areas. ABM organised construct and maintain affordable housing for middle- houses, PR1MA Berhad was tasked to plan, develop, To enable buyers from the lower income brackets to own 1Malaysia Rakyat (PR1MA) Berhad by Perumahan session Briefing 20 June2013 3-8 July2013 Calendar ofEvents (Cont'd) Wednesday -Monday Thursday
41 The Association of Banks in Malaysia • Annual Report 2013 42 The Association of Banks in Malaysia • Annual Report 2013 discussed. and measures to combat these fraud schemes are also are shared withthe banks theaffecting bankingindustry as auseful forum where the latest fraud modus operandi Boo. The joint CCID/ABMmeetings have been recognised CharSAC Lim Dato'YDH by chaired was2013 it July and 9 The Joint Working Committee hadits3rd meeting on and ABM (CCID) InvestigationCrime Commercial Department of theJointWorkingMeeting Third betweenCommittee 9 July2013 Calendar ofEvents (Cont'd) Tuesday
to the press the benefits and salient features of PARTNER 2. explain better to held was briefing A cases. straight-forward for applications loan/financing of processing the of respect cases straight-forward supported by CGC and a depicting chart a refined timeline in for applications loan/financing of depictingthe respect timeline in of the processing chart applicant hasfailed to satisfy. PARTNERalso 2provides a by banks,whichprovides achecklist of areas in whichthe and introduced a template for the guidance of, and adoption refined the processes and procedures relating to a SME loan loan. Under PARTNER hadfurther 2,ABMand its members the processes and procedures of applications for a SME PARTNER,simplifiedstreamlined and members its and ABM PARTNER 2was rolled out on 15 July 2013. Under Phase 1 of to Phase 1 of PARTNER, a second phase, code-named member banks SME businesses and ABM’s participating Spurred by the positive response and feedback from both Media Briefingfor 2 PARTNER 18 July2013 Thursday requirements andbanks’compliance. Chong for his advice on issues relating to FATCA such as its FATCA. to of ABM also took Members ask Dr the opportunity for process registration the on members ABM’s to briefing from Ernst & Young, who is aFATCA consultant, to give a ABM invited Dr Chong Han Hwee, Director, Services Advisory for Foreign Account Tax Act (FATCA) Compliance Briefing & by Ernst ontheYoung Process Registration 6 August 2013 Tuesday the financial services industry in Australia. industry the financialservices of and insight to the challenges, changes and innovations in theywhich opinedhadgiven them a better understanding providedThe participants positive feedback to the study tour the Australia PrudentialRegulation Authority. Banking Group, Equity Members RMB Resources Bank, and organisations, services namely National Australia Australia Bank, and New Zealand financial related and banks with tour. Thedelegation engaged livelyin and interesting sessions Myanmar, Singapore and Malaysia in the study participated A total of21delegates comprisingsenior bankers from financial the and sector inAustralia.services banks ASEAN between information of as aplatform to promote better communication and sharing served also tour study The country. the in services financial of the banking and wider associations and members relations and close cooperation with banks, industry to Melbourne, Australia to buildand foster inter-regional Inter-Regional Relations, organised a two-day study tour ABM as the chair of the Permanent Committee on ASEAN Australia ASEAN Bankers AssociationStudyTour toMelbourne, 21-22 October 2013 Calendar ofEvents (Cont'd) Monday -Tuesday
43 The Association of Banks in Malaysia • Annual Report 2013 44 The Association of Banks in Malaysia • Annual Report 2013 banking procedures soasto assistfraudinvestigations. workshop for their investigating officers to better understand Additionally, CCIDwillcollaborate with ABMto set up a various scams related to the commercial bankingindustry. awareness programmes to educate of the consumers going forward, banks should organise greater consumer Md Isa, Deputy bin Director I, CCID.Itwas proposed that Tajudin Dato’ DCP YDH by chaired was meeting The 2013. 26 November on meeting first its had Committee Working The Joint Central Committee which oversees the Joint ABM betweenMeeting Committee Central Joint and CCID 26 November 2013 Calendar ofEvents (Cont'd) Tuesday banks. information and experiences shared by ABMand its member The delegates had a fruitful session and were grateful for the and recession. crisis financial global the despite Malaysia in system that have helped to sustain the stability of the banking factors as well as banker-customer relationship practices wanted to the various understand ethical and professional by the Malaysian commercial banking industry. They also best consumer practice in complaints management adopted tovisit to ABM a better gain oninternational understanding Professionalism of the Nigerian Bankers Committee paid a Seventeen delegates from the Sub-Committee on Ethics and of theNigerianBankers Committee Visit byon EthicsProfessionalism and Sub-Committee 28 November 2013 Thursday towards e-Payment Snippets ofOurJourney Phase 1PrintAdvertisements
45 The Association of Banks in Malaysia • Annual Report 2013 46 The Association of Banks in Malaysia • Annual Report 2013 throughout thisjourney. Weto wish recognise andthankallour banker friends from around Malaysia for their camaraderie, contributions and support details, pleaserefer itself). to oftheCouncilinthisAnnualReport theReport (for stakeholders to briefings and Days Open Forum, Systems Payment a road-shows, IBG” “Experience included initiatives included channels. This a media campaignencompassedwhich television, Other radio, print andonlineadvertisements. OctoberBeginning 2013,ABM anditsmember banks embarked onanationwide campaignto promotethrough IBG various towards e-Payment (Cont'd) Snippets ofOurJourney October-November 2013 -"ExperienceIBG"Road-shows Wednesday, 30October 2013 –Seremban, Negeri Sembilan Tuesday, 22October 2013 – SeberangPerai, Penang Monday, 18 November 2013 –Ipoh,Perak Wednesday, 13 November 2013 –Melaka Wednesday, 4December2013 – JohorBahru, Wednesday, 2014 8January –AlorSetar, Kedah Monday, 2December2013 –Kuantan, Pahang December 2013-January 2014 - December 2013-January "Experience IBG"Road-shows Monday, 2014 6January –Kangar, Perlis towards e-Payment (Cont'd) Snippets ofOurJourney
47 The Association of Banks in Malaysia • Annual Report 2013 48 The Association of Banks in Malaysia • Annual Report 2013 towards e-Payment (Cont'd) Snippets ofOurJourney Wednesday, 2014 12February –Kuala Terengganu, Terengganu Monday, 10 2014 February –Kota Bharu,Kelantan Monday, 3March 2014 –Kota Kinabalu,Sabah Wednesday, 5March 2014 –Kuching, Sarawak "Experience IBG"Road-shows February 2014-March 2014February 2014-March - the cheque processingfee beginning1April2014 andnew initiativesthe cheque Thursday, of February 2014 -Mediabriefingontheimposition 13 A mediabriefing was held to explain ofthepress,recentinitiativesto members relating to e-payment, includingtheintroduction of the payment reference standards. pertaining toIBGfundtransfers pertaining towards e-Payment (Cont'd) Snippets ofOurJourney
49 The Association of Banks in Malaysia • Annual Report 2013 50 The Association of Banks in Malaysia • Annual Report 2013 towards e-Payment (Cont'd) Snippets ofOurJourney ABM heldamediabriefing to sharethebenefitsofe-payments ofthepress.Duringbriefing, withmembers transactions viainternet bankingandmobilebanking, andsecurityfeatures ofonlinebankingincludingthe use ofpasswords, tokens andsecuritydevices. Inaddition,thebanksexplained their respective rangeof the banksshowcased theire-payment products andhighlighted theconvenience ofusinge-payments. Demonstrations to the media alsoencompassed astep-by-step walkthrough ofhow to IBG perform Thursday, 2014 -Mediabriefingtoshowcase 6March thebenefitsof online cashmanagement suites whichareavailable to andbusinesses. entrepreneurs internet bankingande-payment products
transaction onlineandalsoshowcase thevarious e-payment products offered by memberbanks. Thebanks explained theprocesses and controls thatareinplace sothatbusinesseswillhave theconfidence to adopt ABM organisedanengagement sessionfor ofThe Associated members ofCommerce Chinese Chambers and Industry ofMalaysia (ACCCIM)and Industry to provide astep by step demonstrationon how to anIBG perform e-payments asthepreferred method ofmakingpayments andtransferring funds. Engagement sessionwithACCCIM Wednesday, 2014 - 26March towards e-Payment (Cont'd) Snippets ofOurJourney
51 The Association of Banks in Malaysia • Annual Report 2013 52 The Association of Banks in Malaysia • Annual Report 2013 towards e-Payment (Cont'd) Snippets ofOurJourney ABM engagedwiththemedia viainterviews, holdingpress briefingsandresponding to media queries to promote ofthee-payment public understanding agenda. Press clippings The imposition ofthecheque processing fee hasbeendeferred 2015 to 2January following BankNegaraMalaysia's announcementon19 March 2014. Phase 2PrintAdvertisements towards e-Payment (Cont'd) Snippets ofOurJourney
53 The Association of Banks in Malaysia • Annual Report 2013 54 The Association of Banks in Malaysia • Annual Report 2013 List of Issued by ABMin2013 For thefulltext ofthepressreleases, pleaserefer to ABM's website, www.abm.org.my. 20 December 9 December 6 December 25 October 15 January 14 January 21 January 7 January 7 January 7 January 7 January 3 January 2 January 26 June 27 June 18 April 18 July 15 July 3 June 2 July Date PressReleases Announcement –Re-election ofChairmanBankABMandAppointmentInterim Chairman toCommercial VictimsofLahadDatuIntrusion BanksPledgeSupport Banks arefreeto - hike housingloaninterest rate atany 2013 buyers time"publishedon18 January house for tail the in twist "A entitled article Mail's Malay The of respect in Clarification ABM views Budget 2014 asapragmaticone Media Briefing for PARTNER 2 by TheAssociationofBanksinMalaysia "PARTNER" ABM Council Banksto Explain Why SMELoan Applications Cannot Be Considered in Phase 2 of “Go Green"Agenda ABM Member Banks to Recycle Fit Banknotes for Hari Raya in of Support Bank Negara Malaysia’s rise", TheSunonThursday, 20June2013 The Association of Banks inMalaysia: Inresponse to letter-to-editor titled "ATM still on the thefts ABM LaunchesNew Revamped Website 2013published on7January Clarification in respect of The Malay Mail’s article entitled “True competition lacking for mortgages” standardised housing loanagreementsfor loan below RM500,000" The Association of Banks inMalaysia: in Guang Ming Dailytitled "18 banks' Inresponse to article maintain healthy competition, incompliance withCompetition Act" The Association Malaysia:of Banks in Kwong in Wah Inresponse to article YitPoh titled "Banks adopt standardised 5bankswilljoinlater" housingloandocumentA, The Association Malaysia:of Banksin Press titled China "13 in banks In response to article agreements atmediabriefing The Association Malaysiaof Banksin introduces standardised documentation for housing loan gloss onmortgages” “Cosmetic titled Mail Malay The in article to response In Malaysia: in Banks of Association The in adilemmaover bankaccount” The Association of Banks in Malaysia: In response to letter-to-editor in The Star entitled “Foreigner toCommercial Customers Affected Support BanksOffer by Recent Floods Commercial BanksinJohorto continueto Saturday observe andSunday asrestdays Banks Team-up to Combat Online Fraud – Banksannounce latest e-banking awareness campaign Subject
Fax Tel 10200 Penang 8, Farquhar Street 1st Floor, PlazaMWE Malayan BankingBerhad Community FinancialServices Community Distribution Penang/Kedah/Perlis Regional Director (from 2014) 1February Rajenthiran Koru (until 31 2014) January Goay Yeap Siang PENANG/KEDAH/PERLIS ABM State Sub-Committees Penang : 604-264 4739: 604-264 : 604-2638841 Perlis Selangor Kedah Perak Territory Federal Melaka Kelantan Sembilan Negeri Pahang Terengganu Johor Secretary The Royal Bank ofScotland Berhad Christopher Looi Deputy Chairman CIMB Bank Berhad Liew Chee Cheang Chairman Malayan Banking Berhad (from 2014) 1February Rajenthiran Koru (until 31 2014) January Goay Yeap Siang PENANG Sarawak Auditor Malaysia Berhad Bank Standard Chartered Wong Kang Yang Auditor Public Bank Berhad Khoo GaikHong Treasurer United Overseas Bank (Malaysia) Bhd Tan Guan Leong Secretary Assistant AmBank (M)Berhad Ong GaikLeng Sabah
55 The Association of Banks in Malaysia • Annual Report 2013 56 The Association of Banks in Malaysia • Annual Report 2013 Committee Member Malaysia Berhad Bank Standard Chartered Wong Kang Yang Committee Member OCBC Bank (Malaysia) Berhad Choy Meei Jye Committee Member HSBC Bank Malaysia Berhad Christine Lee Wai Ying Committee Member Hong LeongBank Berhad Lai Hooi Lu Committee Member CIMB Bank Berhad Mohd Azrul Abdul Rahman Committee Member AmBank (M)Berhad Lee Jiun Han Committee Member Alliance Bank Malaysia Berhad Aphan Tri Auditor Public Bank Berhad Megat Zaidi Megat Mokhtar Auditor RHB Bank Berhad Lian Su Ching Treasurer United Overseas Bank (Malaysia) Bhd Chow Tow Heng Secretary Affin Bank Berhad Kalaiselvi M. Chairman Malayan Banking Berhad Fauziah bte Yahaya KEDAH ABM State Sub-Committees
PERLIS Fax Tel 30000 Ipoh, Perak Jalan Sultan Idris Shah 3rd Floor, 194-206 Malayan BankingBerhad Community FinancialServices Community Distribution Perak Regional Director Mohd Zaini binAris PERAK Committee Member Hong LeongBank Berhad Tiu Jon Sen, Johnson Committee Member CIMB Bank Berhad Abdul Halim Haji MatAlwi Committee Member AmBank (M)Berhad Leong Weng Onn Committee Member Affin Bank Berhad Abdul RahimbinSharif Treasurer Public Bank Berhad Lam Chee Yoong Secretary RHB Bank Berhad Soffiah bte Yakob Chairman Malayan Banking Berhad Badrulhisham Yahaya Chairman Malayan Banking Berhad Mohd Zaini binAris PERAK (Cont'd) : 605-2538366 : 605-2545818 Committee Member United Overseas Bank (Malaysia) Bhd Choo KinChuan Committee Member Malaysia Berhad Bank Standard Chartered Lim Boon Khai Committee Member RHB Bank Berhad Wong Peng Wan, Esmond Committee Member Public Bank Berhad Lee See Chuan Committee Member OCBC Bank (Malaysia) Berhad Chris Lu Koon Wing Committee Member HSBC Bank Malaysia Berhad Lee EngKhen Committee Member Hong LeongBank Berhad Lim Hui Boon Committee Member CIMB Bank Berhad Mohd Sayadi Damansuri Committee Member AmBank (M)Berhad Janny Cheah Committee Member Alliance Bank Malaysia Berhad Darren Lee Kwang Yong Committee Member Affin Bank Berhad Sherine Lee Guat Tin Secretary Malayan Banking Berhad Abdul RahimbinMohd Arif
Fax Tel 80000 Johor Bahru, Johor 108, JalanWong AhFook Johor Bahru CitySquare Level 8,Office Tower Malayan BankingBerhad Community FinancialServices Community Distribution Johor/Melaka Regional Director Md GharifbinHajiTalib JOHOR/MELAKA Fax Tel Selangor Seksyen 14, 40000ShahAlam Level 6,10, Persiaran Perbandaran Malayan BankingBerhad Community FinancialServices Community Distribution Selangor/Negeri Sembilan Regional Director Tuan Noor Tuan Mohd Zeinal Annual bin SEMBILAN SELANGOR/NEGERI Fax Tel 59200 Kuala Lumpur 1, Jalan Maarof Dataran Maybank Bangsar Level 6,Tower A Malayan BankingBerhad Community FinancialServices Community Distribution Federal Territory Regional Director MohdAli Abie @Jeffry Jattry FEDERAL TERRITORY : 607-224 4939 : 607-219 3630 : 603-5511 8171 : 603-5512 1754 : 603-22831186 : 603-22958668 JOHOR Committee Member Public Bank Berhad Peter Cheong Kwok Liong Committee Member OCBC Bank (Malaysia) Berhad Yee Fook Seng Committee Member Hong LeongBank Berhad Cynthia ChinOiKim Committee Member Citibank Berhad Wong Siew Fong Committee Member CIMB Bank Berhad Ang Ee Tiam Committee Member Bank ofChina (Malaysia) Berhad Chua Sher Yan Committee Member Bangkok Bank Berhad Ng Teck Lee Committee Member AmBank (M)Berhad Shaiful BahriMohd Yaacob Committee Member Alliance Bank Malaysia Berhad Fong Hong Meng Committee Member Affin Bank Berhad Maniza Mohd Abu Secretary Malayan Banking Berhad Shahar Abd Rashid Chairman Malayan Banking Berhad Md GharifbinHajiTalib ABM State Sub-Committees MELAKA Committee Member HSBC Bank Malaysia Berhad J. Saradaran Pillai Committee Member Citibank Berhad Sim Yeo Kim Committee Member CIMB Bank Berhad Rashid binIbrahim Committee Member Alliance Bank Malaysia Berhad Fong Hong Meng Committee Member Affin Bank Berhad Alex Lee Boon Hak Treasurer AmBank (M)Berhad Nazri binSomail Secretary Malayan Banking Berhad Haji Mahadzir Mohamad Chairman Malayan Banking Berhad Md GharifbinHaji Talib Committee Member United Overseas Bank (Malaysia) Bhd Koh Boon Huat Committee Member The Bank ofNova Scotia Berhad Lai Swee Kim Committee Member Malaysia Berhad Bank Standard Chartered Asmadi Jasin Committee Member RHB Bank Berhad Ahmad Zaini binSofian (Cont'd)
57 The Association of Banks in Malaysia • Annual Report 2013 58 The Association of Banks in Malaysia • Annual Report 2013 Secretary CIMB Bank Berhad Nik EdlinbinNawi Chairman Malayan Banking Berhad Haji Abd Halim Lehan PAHANG Tel 25000 Kuantan, Pahang 2nd Floor, 69–73,Jalan Tun Ismail Malayan BankingBerhad Community FinancialServices Community Distribution Pahang/Kelantan/Terengganu Regional Director Haji Abd Halim Lehan TERENGGANU PAHANG/KELANTAN/ Committee Member United Overseas Bank (Malaysia) Bhd Yeow Kheng Leh Committee Member Malaysia Berhad Bank Standard Chartered Cindy Yeoh Yee Lien Committee Member RHB Bank Berhad Wan Noriani Wan Hasan Committee Member Public Bank Berhad Lee Kee Chuan Committee Member OCBC Bank (Malaysia) Berhad Goh Wee Lei MELAKA (Cont'd) ABM State Sub-Committees
Fax :
: 609-516 1111 609-515 7262 609-513 5387 Secretary HSBC Bank Malaysia Berhad Simon Tan SaiHin Chairman Malayan Banking Berhad Mohd Razuhan Abdul Razab KELANTAN Committee Member United Overseas Bank (Malaysia) Bhd Liew ChaiKar Committee Member RHB Bank Berhad Shaharuddin binMing Committee Member HSBC Bank Malaysia Berhad Bonnie Lim Committee Member Hong LeongBank Berhad Melinda Chew Yuet Ling Committee (Non-Government) Malaysia Berhad Bank Standard Chartered Thong OiChyn Committee (Non-Government) Public Bank Berhad Tong TianSeong Committee (Government) Alliance Bank Malaysia Berhad Daniel ChanBoon Seng Committee (Government) Affin Bank Berhad Yusoff AhmadJalil Treasurer OCBC Bank (Malaysia) Berhad Ginny LimAiMei Secretary Assistant AmBank (M)Berhad Mohd Nawi binMohdYusof (Cont'd) Committee Member RHB Bank Berhad Aminudin binMohamad Napiah Committee Member Public Bank Berhad Kok Sze Huat Committee Member HSBC Bank Malaysia Berhad Jayne PuanGek Cheng Committee Member Hong LeongBank Berhad Ibrahim binHassan Committee Member CIMB Bank Berhad Muhamat binMustaffa Committee Member AmBank (M)Berhad Mohd Nasir binMohd Noor Committee Sports Public Bank Berhad Talahat binOmar Secretary Affin Bank Berhad Wan Nora bte Wan Ibrahim Chairman Malayan Banking Berhad Rasdi Hussin TERENGGANU Committee Member United Overseas Bank (Malaysia) Bhd Shaharom binKahar Committee Member OCBC Bank (Malaysia) Berhad Ong Pang Ming Treasurer CIMB Bank Berhad Abdullah binHattan Committee Member AmBank (M)Berhad Kathy Leong Committee Member Alliance Bank Malaysia Berhad Irene Chung Committee Member Public Bank Berhad Chieng Yew Hoon Committee Member RHB Bank Berhad Lo Mei Hwa Treasurer Hong LeongBank Berhad Philip Chua KhainWeo Secretary CIMB Bank Berhad Wong GinSang Albert President Malayan Banking Berhad Liew Kui Choi SABAH Fax Tel 88000 Kota Kinabalu, Sabah Karamunsing 1, Jalan Kemajuan Bangunan Maybank Malayan BankingBerhad Community FinancialServices Community Distribution Sabah Regional Director Liew Kui Choi SABAH : 6088-234743 : 6088-217 013
SARAWAK Committee Member Hong LeongBank Berhad Patrick Lau Sie Kong Committee Member AmBank (M)Berhad Simon Su Hiong Tiing Committee Member Alliance Bank Malaysia Berhad Kau Fook Chiang Committee Member Affin Bank Berhad Mohamad ShiblieAbang Sapuan Treasurer CIMB Bank Berhad David LingEe Kuong Secretary Public Bank Berhad Chua Ko Onn Chairman Malayan Banking Berhad Nasir KhanbinIstiarHussain Khan SARAWAK Fax Tel 93450 Kuching, Sarawak 88, JalanPending 4th Floor, Crown Towers Malayan BankingBerhad Community FinancialServices Community Distribution Sarawak Regional Director Nasir KhanbinIstiarHussain Khan : 6082-342529 : 6082-346281 ABM State Sub-Committees Committee Member United Overseas Bank (Malaysia) Bhd Emily Rolando Yong Committee Member Malaysia Berhad Bank Standard Chartered Iris Ngui Committee Member RHB Bank Berhad Hajah Johanna bte Abdullah Committee Member OCBC Bank (Malaysia) Berhad Jessie LimPei Lian Committee Member HSBC Bank Malaysia Berhad Loo Siong Ching (Cont'd)
59 The Association of Banks in Malaysia • Annual Report 2013 60 The Association of Banks in Malaysia • Annual Report 2013 as at31 December2013 Member Banks In accordance to Chairmanshipandinalphabetical order ofMemberBanks Bangkok BankBerhad AmBank (M)Berhad Malaysia Berhad Alliance Bank Affin BankBerhad Malaysia Berhad HSBC Bank Hong LeongBankBerhad (Malaysia) Berhad Bank Deutsche Citibank Berhad CIMB BankBerhad Malaysia Berhad BNP Paribas UFJ (Malaysia) Berhad Bank ofTokyo-Mitsubishi (Malaysia) Berhad Bank ofChina Malaysia Berhad Bank ofAmerica (Chairman Bank) Malayan BankingBerhad (Malaysia) Bhd United Overseas Bank of ScotlandBerhad The Royal Bank Corporation Malaysia Berhad Sumitomo MitsuiBanking Chase Bank Berhad J.P. Morgan Nova Scotia Berhad The Bank of Malaysia Berhad Bank Chartered Standard Malaysia Berhad India International Bank Malaysia Berhad National BankofAbuDhabi (Malaysia) Berhad Mizuho Bank Berhad Bank ofChina (Malaysia) andCommercial Industrial RHB BankBerhad Public BankBerhad OCBC Bank(Malaysia) Berhad Chief Corporate Strategist Chief HumanResource Officer Group ChiefInternal Auditor Chief FinancialOfficer, Finance Group ChiefRiskOfficer, RiskManagement Executive Director, OperationsandStrategic Services BUSINESS SUPPORTUNITS Director, Treasury Director, ConsumerBanking Director, BusinessBanking MANAGEMENT BUSINESSUNITS Company Secretary Managing Director/Chief Executive Officer Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Call Centre Tel 50200 Kuala Lumpur 80, JalanRajaChulan 17th Floor, MenaraAFFIN AFFIN BANKBERHAD (In accordance to alphabetical order ofMemberBanks) ofABMMembers Directory Nazlee binKhalifah Nor Rozita bte Nordin Khatimah bte Mahadi Ee Kok Sin(untilMarch 2014) Kasinathan a/lT. Kasipillai binMohamad Shariffudin Tan Kok Toon Idris binAbd Hamid Amirudin binAbdul Halim Nimma Safirabte Khalid Dato’ Zulkiflee Abbas bin Abdul Hamid (Alternate Director to Aubrey LiKwok-Sing) Cheng ShuiHee Gary Tan SriDato’ SeriMohamedJawhar Mohd SuffianbinHajiHaron Aubrey LiKwok-Sing Tan SriDato’ SriAbdul AzizbinAbdul Rahman Dr RajaAbdul MalekbinRajaJallaludin Tan SriDato’ SeriLodinbinWok Kamaruddin General (Rtd)Tan SriDato’ SeriIsmailbinHajiOmar : PHBMMYKL : www.affinbank.com.my : [email protected] : 603-2031 4721 : 603-55223000 : 603-20559000
Group Company Secretary Head, GroupHumanResource Group ChiefInternal Auditor Group ChiefInformation Officer Head, GroupCorporate Credit Head, GroupCorporate Strategy &Development Chief Executive Officer, AllianceIslamicBankBerhad Chief Executive Officer, AllianceInvestment BankBerhad Head, GroupTransaction &Alternate Banking Head, FinancialMarkets Head, GroupBusinessBanking Head, GroupConsumerBanking Group ChiefRiskOfficer Group ChiefFinancialOfficer Group ChiefOperatingOfficer Group ChiefExecutive Officer MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50100 Kuala Lumpur 8, JalanMunshiAbdullah Capital Square 3rd Floor, MenaraMulti-Purpose ALLIANCE BANKMALAYSIA BERHAD Lee Wei Yen Chew Siew Suan Leong Sow Yoke James Mary Peter Fong Seow Loong Amarjeet Kaur Fozia AmanullaKhan Rafidz Rasiddi Victor KhorEngSwee Yeo ChinTiong Steven Kenneth Miller Ronnie LimKhengSwee Pang ChoonHan TeoGary Wee Chee Raymond LeungChun-Kow Sng Seow Wah Lee AhBoon Kuah HunLiang Ou ShianWaei Tan Yuen Fah Kung BengHong Tuan HajiMegatDziauddinbinMahmud Sng Seow Wah Dato’ ThomasMunLung Lee : MFBBMYKL : www.alliancebank.com.my : [email protected] : 603-2694 6200 : 603-26043333
61 The Association of Banks in Malaysia • Annual Report 2013 62 The Association of Banks in Malaysia • Annual Report 2013 Chief OperationsOfficer Chief Internal Audit Chief RiskOfficer Chief Information Officer Chief HumanResource Officer Chief FinancialOfficer Managing Director, Retail Banking Managing Director, WholesaleBankingCoverage Managing Director, WholesaleBankingProducts HEADS OFDIVISION Managing Director/Senior Banker, GroupMD’soffice Datuk Deputy GroupManagingDirector Chief Executive Officer SENIOR MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Hotline Tel 50200 Kuala Lumpur 55, JalanRajaChulan 22nd Floor, BangunanAmBankGroup AMBANK (M)BERHAD (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Ross NeilFoden Thein KimMon Nigel Denby Charles Tan Keng Lock Fauziah Yacob Mandy Simpson Paul Lewis Pushpa Rajadurai Kok Tuck Cheong Dato’ JamesLimChengPoh Ashok Ramamurthy Ashok Ramamurthy Loh ChenPeng Cheah Tek Kuang Chin Yuen Yin Dato’ GanNyap Liou@GanYap Liow Tan SriDatukClifford Francis Herbert Tun MohammedHanifbinOmar Tan SriAzmanHashim MohamedAzmibinMahmood : ARBKMYKL : www.ambankgroup.com : [email protected] : 603-2031 6453 603-2178 8888 : 1-300-80-8888(Domestic) : 603-20362633 General Affairs Company Secretarial Compliance Chief Internal Auditor Budget &Planning Human Resources Credit Management Admin Branch Risk Management Treasury Business Banking Technology) Corresponding Banking,Settlement&Information TradeOperations (CreditAdministration, Finance, HEADS OFDEPARTMENT Chief OperatingOfficer Chief Executive Officer SENIOR MANAGEMENT Directors BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50000 Kuala Lumpur 105, JalanTun HSLee BANGKOK BANKBERHAD Arizal binAriffin@Sulaiman Loo ChoonKeow Mohd Yunos Yusop Chew BoonKeong Kaan Wai May Rebecca KhorYing Lim ChoongWeng Mariamah bte Abu Hassan Kwan KimFai LohWai Mun Calbert Ng Wai Hoy Amar JauharibinAbang Chaiwat Suvanasingha LokeRobert Tan Cheng Lee KheeJoo@YingChong YAM Tunku Redhauddin IbniTuanku Muhriz Chris ChiaWoon Liat Rushda Theeratharathorn Toh Chong LokeRobert Tan Cheng Piti Sithi-Amnuai : BKKBMYKL : www.bangkokbank.com.my : [email protected] : 603-2173 7300 : 603-2173 7200 Website E-mail Fax Tel 50200 Kuala Lumpur Jalan RajaChulan 18th Floor, WismaGoldhill BANK OFAMERICA MALAYSIA BERHAD Finance Human Resource Compliance Treasury Operations Credit MANAGEMENT Directors Executive Director Chairman BOARD OFDIRECTORS SWIFT Code Divyesh Shah Samuel Tan Bakri Jamaluddin Rodzlin Abdul Rahman Joanne OhPhaikEan Choong HengTheng Rodney Gordan Ward David AllenCairns Ayesha Natchiarbte Dato’ Maricar Dato’ Chew Kong Seng Tan SriDato’ IR(Dr)Wan Abdul RahmanbinWan Yaacob Raymond Yeoh ChengSeong Richard David Maloney Jr
: [email protected] : 603-2031 9084 : 603-20343900 : http://corp.bankofamerica.com/business/bi/Malaysia: : BOFAMY2X Director, HumanResource &Administration Director, Personal Banking GeneralManager,Assistant Internal Audit GeneralManager,Assistant Finance&OperationService General Manager, ChannelDevelopment General Manager, Corporate Banking ChiefExecutiveAssistant Officer Deputy ChiefExecutive Officer Deputy ChiefExecutive Officer Chief Executive Officer MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50450 Kuala Lumpur 25, JalanAmpang Ground, Mezzanine&1stFloor, PlazaOSK BANK OFCHINA(MALAYSIA) BERHAD Chew LeeLin Han JuiKwang Chong Siew Chin Cho LaiKuan Li Qiusheng An Qi Seet MengHui Xu Zanjun Liu Nengsheng Wang Hongwei Chai Woon Chew, Michael Datuk Ter LeongYap Liu Lijing Wang Hongwei Zheng Weiping ABM Members (Cont'd) ofABMMembers Directory : BKCHMYKL : www.boc.cn/malaysia/ : [email protected] : 603-2161 4240 : 603-2162 6633 (In accordance to alphabetical order ofMemberBanks)
63 The Association of Banks in Malaysia • Annual Report 2013 64 The Association of Banks in Malaysia • Annual Report 2013 DevelopmentEDP System Department Accounts Department Operation 2Department 5 Corporate Banking Department 3 Corporate Banking Department 1 Corporate Banking Department Planning &CoordinationDepartment SENIOR MANAGERS Human Resources Department 4 Corporate BankingDepartment SENIOR VICEPRESIDENTS HEADS OFDIVISION Chief RiskOfficer Executive VicePresidents President/CEO MANAGEMENT Independent Directors Non-Executive Directors Managing Director Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50250 Kuala Lumpur 8, JalanSultanIsmail Level 9,MenaraIMC BANK OFTOKYO-MITSUBISHI UFJ (MALAYSIA) BERHAD (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Ong ChinKee Lee SienTuck Adlin binAbdul Razak Patrick Liew SuWei Eric LeongYuh Haw Foo SeeHee Michelle DengYuet Yan bteNorsaida MohdSaid Ravi Buchia Thor BoonLee Christopher Danker Hideaki Yamashita Naoki Nishida Dato’ MohdSallehuddinbinOthman Dato Abdul RahimbinOsman Dato’ HashimbinDato’ DrMdSalleh Tetsuya Takahashi Ichinari Matsui Naoki Nishida Lee DangFook (until31 December2013) : BOTKMYKX : www.bk.mufg.jp/global/malaysia/ : [email protected] : 603-2078 8870 : 603-20348000,8008 Senior Banker Head ofTreasury ALM Head ofIslamicBanking Head ofStructured Finance Head ofGlobalTrade Services Head ofCashManagement Head ofFixed Income HEADS OFDIVISION Head ofLegal Head ofInternal Audit Head ofCreditRiskControl Head ofCompliance Chief FinancialOfficer Chief RiskOfficer Chief OperatingOfficer Chief Executive Officer MANAGEMENT Non IndependentNon-Executive Directors Independent Non-Executive Director Chief Executive Officer Chairman/Independent Non-Executive Director BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50400 Kuala Lumpur 182, JalanTun Razak The Intermark Level VistaTower 48A, BNP PARIBAS MALAYSIA BERHAD Tan ChongHin Ian GanKah Wai Syed AlwiMohammedSultan Chan Siew Kien Alvin AngHockSam Kenny Tan KianLye Jamzidi Khalid MohdKassim Marwalis Nasrul AzamMohdBakri Tan LanFong TanCheryl HooiLing Wong Poh Leng Jeremy Lewis Frederic Barcza Dayakrishna Vaidynatha Chetti Yves MauriceGuyMarieDrieux Jean PierreRoger BenoBernard Halim HajiDin Dayakrishna Vaidynatha Chetti Dato’ Abdullah binMatNoh : BNPAMYKL : www.bnpparibas.com.my : 603-2179 8203 : 603-2179 8383 Company Secretary Independent Non-Executive Directors Non-Independent Non-Executive Director Executive Director Executive Director Chief Executive Officer MEMBERS Chairman/Independent Non-Executive Director BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50470 Kuala Lumpur Kuala Lumpur Sentral Jalan Stesen Sentral2 13th Floor, MenaraCIMB CIMB BANKBERHAD Datin Rossaya MohdNashir Grace Yeoh GeokCheng Venkatachalam Krishnakumar Rosnah Dato’ Kamarul Zaman Datuk DrSyed MuhamadSyed Abdul Kadir Joseph DominicSilva Renzo Christopher Viegas Dato’ SulaimanMohdTahir Dato’ SriNazirRazak Dato’ ZainalAbidin Putih : CIBBMYKL : www.cimbbank.com.my : [email protected] : 603-2261 8889 : 603-2261 8888 Group ChiefRiskOfficer Group ChiefMarketing &Communications Officer Co-Head, Corporate ClientsSolutions/Advisory Deputy ChiefExecutive Officer, CIMBInvestment Bank/ Group ChiefPeople Officer Group ChiefInternal Auditor Group ChiefInformation &OperationsOfficer Chief Executive Officer, CIMBIslamic Bank Group Strategy andStrategic Investments Group ChiefFinancialOfficer&Executive Officer, Chief Executive Officer, Singapore CIMBBank, President &ChiefExecutive Officer, CIMBThai President Director &ChiefExecutive Officer, CIMBNiaga Chief Executive Officer, CIMBInvestment Bank Chief Executive Officer, ConsumerBanking Corporate Banking,Treasury andMarkets Chief Executive Officer Adviser, Investment Banking Group ChiefExecutive Officer SENIOR MANAGEMENT CIMB BANKBERHAD(Cont'd) David Richard Thomas ShahulHamid Effendy Kong SooiLin Hamidah Naziadin Lim TiangSiew Iswaraan Suppiah Badlisyah Abdul Ghani Kenny Kim Mak Lye Mun Subhak Siwaraksa Rasyid Arwin Tengku Dato’ ZafrulTengku Abdul Aziz Renzo Christopher Viegas Dato’ LeeKok Kwan Dato’ CheimDauMeng Robert Dato’ SriNazirRazak ABM Members (Cont'd) ofABMMembers Directory (In accordance to alphabetical order ofMemberBanks)
65 The Association of Banks in Malaysia • Annual Report 2013 66 The Association of Banks in Malaysia • Annual Report 2013 Internal Audit Head Enterprise RiskManagement Head IslamicHead Country Citi CommercialBankHead Global BankingHead Securities &Funds Head Services Treasury &Trade SolutionsHead Head Retail Banking&Mortgage Head Sales&Distribution Country Cards &ConsumerLendingHead TreasurerCountry &Markets Head Head Corporate Affairs Country Operations&TechnologyCountry Head LegalCounsel Country ComplianceHead Country HumanResource Head Country RiskHead Country ChiefFinancialOfficer Country Consumer BusinessManager Chief Executive Officer MANAGEMENT BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50450 Kuala Lumpur 165, JalanAmpang Menara Citibank CITIBANK BERHAD (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Chua Yew Lim Francis Lu Irnyza Ngah Alfred Chan Ho HengChuan Benedict Ler Noel Saminathan Elaine Fan Lum ChoongYu Anand Cavale Yousuf Sandeela Celina May Benjamin Christina Ong Lee CheeMing Shova Pushparajah Nikki Grant-Cook Suresh Raman Tang Wan Chee Elaine Fan Sanjeev Nanavati Terence Kent Cuddyre LiewAgnes Yun Chong Dato’ Siow KimLun @Siow KimLin Dato’ DrThillainathana/lRamasamy Tan SriDato’ HajiOmarbinIbrahim Sanjeev Nanavati : CITIMYKL : www.citibank.com.my : 603-23836000 : 603-23838585 IT Corporate Real &Services Estate Compliance INFRASTRUCTURE Corporate Market Finance/Capital Equity Research Global CreditTrading ClientGroup(ICG) Institutional Fixed IncomeCurrencies Trade Finance/CashManagementCorporates Cash Management-FI Direct SecuritiesServices Islamic Banking BUSINESS HEADS OFDEPARTMENT Human Resources Head ofOperations Head ofFinance Chief OperatingOfficer Chief Executive andManagingDirector SENIOR MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50250 Kuala Lumpur 8, JalanSultanIsmail Level 18-20, MenaraIMC BANK(MALAYSIA)DEUTSCHE BERHAD Sapian Rashid Vivian Chew Nadia Kamaruddin Jacqueline Ho Chia Aun Ling Syed NasirShahabudin Yvonne Phe Kevin Yam Chintan Shah Renee Lim Jacqueline William Norhaida Esa Nik Ilyana Mohamed Yap JenMei Elaine Liew Yeh Yin Donna ChangWai Kah Dato' Yusof AnnuarYaacob (from 2014) 20February Choo Nyen Fui Choy KhaiChoon Ng SoonLai@SiekChuan Dato’ AhmadJoharibinAbdul Razak Tun MohamedDzaiddinHajiAbdullah : DEUTMYKL : www.db.com/malaysia : 603-2031 9822 : 603-20536788 Islamic BankBerhad Managing Director/Chief Executive Officer, Hong Leong Head, HumanResources Chief OperatingOfficer, BusinessIntelligence &Analytics Chief OperatingOfficer, GroupALCO Chief Information &Technology Officer Chief Internal Auditor Chief SpecialAssetsOfficer Chief CreditOfficer, FinancialServices Personal Chief OperatingOfficer, GlobalMarkets Chief OperatingOfficer, FinancialServices Personal Chief RiskOfficer Chief FinancialOfficer Chief OperatingOfficer, Group Strategic Support HEADS OFDIVISION Group ManagingDirector/Chief Executive Officer MANAGEMENT Directors Group ManagingDirector/Chief Executive Officer Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50450 Kuala Lumpur 18, JalanPerak Level 3,WismaHongLeong HONG LEONGBANKBERHAD Raja Teh Maimunah RajaAbdul Aziz Roselaini Faiz Glenn Saunders Chee LiHar Kang Yew Jin Lim KimSeng Janet ChooKam Leng Leong Wai Mun Hor Kwok Wai Moey Tan Justin SoongJiaSeng Foong PikYee Zulkiflee Hashim Tan Kong Khoon Chok Kwee Bee Lim BengChoon Tan RazakbinRamli SriA. Lim LeanSee Quek Kon Sean Choong Yee How Dato’ MohamedNazimbinAbdul Razak Kwek LengHai Tan Kong Khoon Tan SriQuekLengChan : HLBBMYKL : www.hlb.com.my : [email protected] : 603-2732 7902 : 603-2180 8888 Senior Manager, Internal Audit Chief OperatingOfficer General Counsel Head ofCommunications &HeadofCorporate GovernanceCorporation Secretary Head ofHumanResources Chief RiskOfficer Head ofFinancialCrimeCompliance Head ofRegulatory Compliance Managing Director, HeadofGlobalBanking&Markets Head ofRetail Banking&Wealth Management Head ofCommercialBanking Executive Director andChiefFinancialOfficer Deputy ChairmanandChiefExecutive Officer SENIOR MANAGEMENT Independent Non-Executive Directors Non-Independent Executive Director/Chief FinancialOfficer Chief Executive Officer Non-Independent Executive Director/Deputy Chairmanand Non-Independent Non-Executive Director/Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50100 Kuala Lumpur 2, LebohAmpang HSBC BANKMALAYSIA BERHAD Fong Cha Ping James Gossip Elsie Kok Marlene Kaur Grace Tong Vincent Ho Ramnath Krishnan Joseph Ng Irene Tan Piyush Kaul Lim EngSeong Andrew Grisdale Baldev Singha/lGurdial Singh Mukhtar MalikHussain Lee ChooHock(from 5December2013) (from 5December2013) Datuk ShireenAnnZaharahMuhiudeen Ching Yew Chye @ChngYew Chye Datuk RamlibinIbrahim SackvilleBarlowDato’ Henry Tan SriDato’ SulaimanbinSujak Baldev Singha/lGurdial Singh Mukhtar MalikHussain Peter Wong Tung Shun ABM Members (Cont'd) ofABMMembers Directory : HBMBMYKL : www.hsbc.com.my : 603-2070 1146 : 603-2075 3000 (In accordance to alphabetical order ofMemberBanks)
67 The Association of Banks in Malaysia • Annual Report 2013 68 The Association of Banks in Malaysia • Annual Report 2013 Head, HumanResources Head, Information Technology Head, Compliance Head, Credit Head, Treasury Chief RiskOfficer Chief Internal Auditor Chief FinancialOfficer HEADS OFDIVISION Deputy ChiefExecutive Officer Chief Executive Officer MANAGEMENT Chief Executive OfficerandManagingDirector Non-Executive IndependentDirectors Non-Executive Non-IndependentDirector Chairman, Non-Executive Non-IndependentDirector BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50200 Kuala Lumpur 15, JalanRajaChulan Ground Floor, BangunanYee Seng BERHAD INDIA INTERNATIONAL BANKMALAYSIA (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Jayanthi Naira/pGovendan Basanta Kumar Patra Lohesh Kumar Subramaniam Vishwananda Kadamba Brahm Prakash Pallath Ramakrishnan K. Panir Selvam Muniandy a/lR.Krishnan Haresh JairamdasKeswani T.N. Ramakumar T.N. Ramakumar Gopala Krishnana/lC.P. Gopalan Datuk BhupatraiM.Premji Mairpady Narendra Subhash Mundra : IIMBMYKL : www.indiainternationalbank.com.my : [email protected] : 603-20261766 : 603-20261767
General Manager, Administration Branch Head, FinanceandSettlement Head, Information Technology Head, LegalandCompliance Head, Internal Audit Head, RiskManagement Head, ConsumerFinancialServices Head, Corporate FinancialServices Head, Investment Banking Head, GlobalMarket andTreasury Head, GlobalTrade Finance Head, HRandAdministration HEADS OFDIVISION CEO Assistant Deputy ChiefComplianceOfficer Deputy ChiefExecutive Officers MANAGEMENT Independent Non-Executive Directors Non-Independent Non-Executive Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50088 Kuala Lumpur Kuala Lumpur CityCentre Level 35,MenaraMaxis CHINA (MALAYSIA) BERHAD ANDCOMMERCIALINDUSTRIAL BANKOF Chew ChengChan Yang Ting Lin Pingfa Liau SeeCheek Kee ChinTeck Chong Foo Lim Liu Tingting Lim Kok Fuat Lim Kok Hoong Xu Hongtao Cai Hongbin Li Kezhao Lim Kok Hoong Liau SeeCheek Xie Shaoxiong Wei Xiaogang(Officer-in-Charge) Ong AhTin@CheeKwee Dato’ LeongSonny @LeongKheeSeong Hong Guilu Lan Li Tian Fenglin Mo Fumin : ICBKMYKL : www.icbcmy.com : [email protected] : 603-2301 3388 : 603-2301 3399
Head ofWholesaleOperations Human Resources Global Technology Infrastructure Priority Sector Finance HEADS OFDIVISION Client CreditManagement Compliance Global Corporate Banking Treasury Services Head ofTreasury Chief Administrative Officer Chief Executive Officer MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50400 Kuala Lumpur 348, JalanTun Razak The Intermark Level 18, Integra Tower J.P. MORGAN CHASEBANKBERHAD Chua SeuKee Francis Yoong Lau Kam Fatt Lee Teen Fai Mark Ling Leong Ket Ti Chan Yew Ling Nurjesmi MohdNashir Wong HooiChing Yong EngHwa Alex Law Steven Ronald Clayton Omar binMerican Faisal binIsmail Christine LauSoukHuan Anthony JulianCole Steven Ronald Clayton Kevin Wong CheeWah : CHASMYKX : www.jpmorganaccess.com.my : 603-2163 5370 : 603-2718 0500 Group GeneralCounsel&Company Secretary Non-Independent Non-Executive Director Independent Non-Executive Directors Non-Independent Executive Director/Group President&CEO Vice Chairman/IndependentNon-Executive Director Chairman/Non-Independent Non-Executive Director BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50050 Kuala Lumpur 100, JalanTun Perak 14th Floor, MenaraMaybank MALAYAN BANKINGBERHAD Mohd NazlanGhazali Zainal Abidin binJamal Riyana HardjapamekasErry Datuk Mohaiyani Shamsudin Dato’ JohanAriffin Cheah Teik Seng Alister Maitland(until28March 2013) Dato’ DrTan Tat Wai Dato’ SeriIsmailShahudin Tan Jalil SriDatukDrHadenanA. Datuk Abdul Farid Alias Dato’ MohdSallehHajiHarun Tan SriDato’ MegatZaharuddinMohdNor ABM Members (Cont'd) ofABMMembers Directory : MBBEMYKL : www.maybank.com : [email protected] (Customer Feedback & Resolution Management) : 603-2711 3421 3696(Overseas) 603-7844 1-300-88-6688(Local) Maybank Group Customer Care : 603-2070 8833(General) (In accordance to alphabetical order ofMemberBanks)
69 The Association of Banks in Malaysia • Annual Report 2013 70 The Association of Banks in Malaysia • Annual Report 2013 CEO, Maybank KimEngGroup&Maybank Investment Bank President Director, PTBankInternasional IndonesiaTbk Group ChiefOperationsOfficer Group ChiefStrategy Officer Holdings Berhad Group Head,InsuranceandTakaful &CEO,Maybank Ageas CEO, International Berhad Group Head,IslamicBanking&CEO,Maybank Islamic Officer Group ChiefHumanCapital Group ChiefTechnology Officer Group ChiefRiskOfficer Acting GroupHead,GlobalBanking &CEO,Singapore Services Deputy President,GroupHead,CommunityFinancial Group ChiefFinancialOfficer Group President&CEO MANAGEMENT MALAYAN BANKINGBERHAD(Cont'd) (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory John ChongEngChuan(from 2014) 12February Taswin Zakaria (from 11 March 2014) Jerome HonKah Cho Michael Foong SeongYew Kamaludin Ahmad Pollie SimSioHoong Hisham Muzaffar Nora Abd Manaf StecykGeoffrey Dr JohnLeeHinHock Datuk Abdul Farid Alias Datuk LimHongTat Mohamed Rafique MericanMohd Wahiduddin Merican Datuk Abdul Farid Alias Head ofInformation Technology Resource Head ofGeneralAffairs/Human Head ofCompliance/Legal Head ofInternal Audit Head ofIslamicFinance Head ofFinance Head ofOperations Head ofTreasury Head ofRiskManagement Head ofCorporate BankingII Head ofCorporate BankingI HEADS OFDIVISION Deputy ChiefExecutive Officer Managing Director/Chief Executive Officer MANAGEMENT Independent Non-Executive Directors Managing Director/Chief Executive Officer Non-Independent Non-Executive Director Chairman/Non-Executive Director BOARD OFDIRECTORS SWIFT Code Fax Tel 50088 Kuala Lumpur Kuala Lumpur CityCentre Level 27, MenaraMaxis MIZUHO BANK(MALAYSIA) BERHAD Ang Khay Hock Ikuro Nagano Shabreena Abdul Rahman Rajan Ganapathy Tomohiro Seo Angie Soo Kazuya Sakata Satoshi Obinata Shahriza Omar Hashim Norsiah Hiroshi Uematsu Fumio Sakurai Hiroyuki Yoshinari Dato’ SeriTalaat binHusain Mohd MokhtarbinGhazali Hiroyuki Yoshinari Katsuyuki Mizuma Hiroshi Suehiro : MHCBMYKA : 603-20586988 : 603-20586881 Head ofTreasury Head ofFinance Head ofOperations HEADS OFDIVISION Head ofTreasury Head ofFinance Head ofOperations Chief Executive Officer MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50088 Kuala Lumpur Kuala Lumpur CityCentre Level 28,MenaraMaxis NATIONAL BANKOFABUDHABIMALAYSIA BERHAD Sukardi Rahmani Tan HaiHuat Peter Cheah Sukardi Rahmani Tan HaiHuat Peter Cheah Leong SeeMeng Ahmad NazimbinAbd Rahman Datuk NikAzmanbinMohdZain Ernest Law SheeWing Qamber AliAlMulla Alexander VincentThursby : NBADMYKL : www.nbad.com : [email protected] : 603-23303801 : 603-23303800 Company Secretary Head ofHumanResource Head ofInternal Audit Division Head ofOperations&Technology Division Head ofTransaction BankingDivision Head ofInvestment BankingDivision Head ofTreasury Division Division Head ofConsumerFinancialServices Head ofBusinessBankingDivision Chief FinancialOfficer ChiefRiskOfficer Country Director &ChiefExecutive Officer MANAGEMENT Directors Deputy Chairman Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50050 Kuala Lumpur 18, JalanTun Perak Menara OCBC OCBC BANK(MALAYSIA) BERHAD Quah BoonHuat Cheah SynYeam Joseph ChanFook Onn Lim Yau Seong Chong LeeYing Tan AiChin Ng Seow Pang Sik Wan King,Charles Ong EngBin Teoh YinMeng Choo Yee Kwan Chew SunTeong, Jeffrey Tan Siew Peng, Darren Lai Teck Poh Tan SiokChoo Dr RajaLopebinShahrome Ching Wei Hong Samuel Tsien Chew SunTeong, Jeffrey Dato’ OoiSangKuang Tan SriDato’ NasruddinbinBahari ABM Members (Cont'd) ofABMMembers Directory : OCBCMYKL : www.ocbc.com.my : 603-26984363 : 603-20345034 (In accordance to alphabetical order ofMemberBanks)
71 The Association of Banks in Malaysia • Annual Report 2013 72 The Association of Banks in Malaysia • Annual Report 2013 Chief OperatingOfficers Senior ChiefOperatingOfficer Deputy ChiefExecutive Officer Managing Director/Chief Executive Officer MANAGEMENT Non-Executive Directors Managing Director/Chief Executive Officer Co-Chairman Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50450 Kuala Lumpur 146, JalanAmpang Menara PublicBank PUBLIC BANKBERHAD (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Sulaiman binAbd Manap Chang Siew Yen Dato’ ChangKat Kiam Quah Poh Keat Tan SriDato’ SriTay AhLek Lai Wai Keen Lai Wan Tang WingChew Dato’ HajiAbdul AzizbinDato’ DrOmar Dato’ Yeoh ChinKee Dato’ SriLeeKong Lam Tan SriDato’ SriTay AhLek Tan SriDatukSeriUtamaThongYaw Hong Tan SriDato’ SriDrTeh HongPiow : PBBEMYKL : www.publicbank.com.my : [email protected] : 603-2163 9917 603-2163 8899 603-2163 8888 603-2176 6666 : 603-2176 6000 Director, HPOperations Director, &Support PBCardServices Director, Division Property Director, BankingOperationsDivision Director, Treasury Division Director, RiskManagementDivision Director, CreditOperationsDivision Director, Division Retail FinancialServices Director, SecurityDivision General Manager, Information Technology Division General Manager, ComplianceDivision General Manager, HumanResource Division General Manager, Knowledge &Learning Division Supervision General Manager, & CreditAdministration Chief FinancialOfficer Group ChiefInternal Auditor Senior GeneralManager, Division Secretariat Senior GeneralManager, Corporate Banking Senior GeneralManager, Division PublicAffairs HEADS OFDIVISION PUBLIC BANKBERHAD(Cont'd) Wong ManHoe Tee 2014) ChuiChee (from 1January Sim Goay Chye Quah Ewe Lee Lim Lye Ping Jasmine LohSookLing Choo Yew Ching Chan Chiew Peng Wahab Raman Haji A. binA. Tan Teck Kong Patrick LimYoong Leng Marlene Goh Koay SeokKhim Chan Kok Kwai, Eddie Yik SookLing Lim ThenFui Dato’ ChiaLeeKee Chan Chew Fung Ab RazakbinMohdDali Group ChiefOperationsOfficer Group ChiefStrategy &Transformation Officer Group ChiefRiskOfficer Group ChiefHumanResource Officer Group ChiefGovernance Officer Group ChiefFinancialOfficer Managing Director, RHBIslamicBankBerhad Executive Director, GroupInternational Business Managing Director, RHBInvestment Bank Berhad Managing Director, RHBBankBerhad Deputy GroupManagingDirector Group ManagingDirector GROUP SENIORMANAGEMENT Managing Director Directors Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50400 Kuala Lumpur Jalan Tun Razak RHB Centre Towers Two &Three Head Office RHB BANKBERHAD Rohan Krishnalingam Christopher Loh Patrick Ho Jamaluddin Bakri Norazzah Sulaiman Yap ChoiFoong Ibrahim binHassan U ChenHock Mike Chan Dato’ KhairussalehbinRamli Kellee Kam Dato’ KhairussalehbinRamli Tan SriOngLeongHuat@Wong JooHwa Dato’ MohamedKhadarMerican Abdul AzizPeru Mohamed Choong Tuck Oon Ong SengPheow Haji KhairuddinAhmad Tan SriAzlanZainol : RHBBMYKL : www.rhbgroup.com.my : 603-9287 9000 : 603-9287 8888 Head, GroupCompliance Head, CommercialBankAudit Head, GroupCreditManagement Head, GroupTechnology Head, GroupOperations Head, EASY Head, GroupTransaction Banking Head, GroupCorporate Banking Head, GroupBusinessBanking Head, GroupJapaneseBusiness Head, GroupRetail Distribution Head, Retail Banking(Acting) Head, GroupTreasury &GlobalMarkets Managing Director, RHBBankBerhad Deputy GroupManagingDirector, RHBBankingGroup BUSINESS &FUNCTIONALHEADS RHB BANKBERHAD(Cont'd) V. Maslamania/lVatharajoo Chang Kong Chong Yeo HockLee Andy Tan EngTeik Ee Yew Chai Lee EeHui Michael LimKhengBoon Wendy TingWei Ling Amy OoiSwee Lian Akira Miyama Yeoh BengHooi Yeoh BengHooi Mohd RashidbinMohamad Dato’ KhairussalehbinRamli ABM Members (Cont'd) ofABMMembers Directory (In accordance to alphabetical order ofMemberBanks)
73 The Association of Banks in Malaysia • Annual Report 2013 74 The Association of Banks in Malaysia • Annual Report 2013 Chief Executive Officer, SaadiqBerhad Chartered Standard ChiefRiskOfficer Country Chief Information Officer HeadofCorporate Affairs Country Head ofLegal&Compliance Head,HumanResources Country Chief FinancialOfficer Wholesale Banking Managing Director, Origination&ClientCoverage, Head ofGlobalMarkets Head,ConsumerBanking Country HEADS OFDIVISION Chief Executive Officer&ManagingDirector MANAGEMENT Non-Executive Directors Executive Director Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50250 Kuala Lumpur 30, JalanSultanIsmail Menara Standard Chartered BERHAD STANDARD CHARTEREDBANKMALAYSIA (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Wasim AkhtarSaifi Matthew Nagy Dato’ ArifSiddiqui Christopher Domitter Kwan Keen Yew Rahmat Roslan Hashim Raymond Wong LaiLoong Saif Malik Leon Koay LiOnn Sonia BozenaWedrychowicz-Horbatowska Osman Tarique Morad Williams Edward Martin Judy HsuChungWei Datuk SeriMichaelYam Kong Choy Datuk IshakImamAbas Datuk Abu HassanKendut Neeraj Swaroop Osman Tarique Morad Tan MohdKassim SriDato’ MohdSheriff : SCBLMYKX : www.standardchartered.com.my : 603-2711 6006 : 603-2117 7777 Head ofIslamicBanking Head ofInternal Audit Head ofCashDepartment Head ofLegal Head ofCompliance Head ofHumanResource Head ofPlanning Head ofMarket RiskManagement Head ofCreditRiskManagement Head ofTreasury Head ofCashManagementServices Strategic BusinessPromotion Business Promotion2(Non-JapaneseCorporate) and Head ofBusinessPromotion1(JapaneseCorporate), Chief RiskOfficer Deputy President President/CEO MANAGEMENT Independent Non-Executive Director Non-Independent Non-Executive Directors Chief Executive Officer/Non-IndependentExecutive Director Chairman/Independent Non-Executive Director BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50400 Kuala Lumpur 348, JalanTun Razak The Intermark Level 51, VistaTower MALAYSIA BERHAD BANKINGCORPORATIONSUMITOMO MITSUI Ritzza Rosli Stephen Chin Joanne Khoo Gan HuaMay (from 2May 2014) TaiAlbert Ng SoonMong Osamu Kakinouchi Khaizy Osman Chew Ae Hoh Takafumi Aimoto Maszeri Maiseh Kazunori Murakami Tasuku Tanaka Atsushi Morimoto Yasuhiro Oashi Lim ChoonEng Hiroshi Irie Masayuki Shimura Yasuhiro Oashi Razman Hafidzbin Abu Zarim : SMBCMYKL : www.smbc.co.jp/global/malaysia/index.html : [email protected] : 603-2168 1770 : 603-2168 1500 Senior Relationship Managers Head ofHumanResources Head ofCompliance Senior Manager, Operations Director, CreditSolutions Director, Treasury Chief RiskOfficer Head Vice President&Country MANAGEMENT Directors Chairman BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50200 Kuala Lumpur 69, JalanRajaChulan Menara Boustead THE BANKOFNOVA SCOTIA BERHAD Mohamed AzmanTaufik Jasmand NgKok Khoon Lai Swee Kim Shaleza MohdHanif Terence Chin Shareen Tan Chia Kwai Fun Leong SoonCheong Caroline Ong Kenny Foong Sivadas Menon Lodewijk Govaerts Lodewijk Govaerts Theodoor JosephBark Murugiah MNSingham Rasool Khan Geh ChengHooi Dato’ Kok Wee Kiat Philip Victor Seymour Claude David Morin : NOSCMYKL : www.scotiabank.com.my : [email protected] : 603-2141 2160 : 603-2141 0766 Head ofMarkets Head ofLegal&Compliance CreditRiskOfficer Country Chief FinancialOfficer Chief OperatingOfficer ExecutiveManaging Director/Country MANAGEMENT Company Secretary Directors ExecutiveCountry Chairman BOARD OFDIRECTORS SWIFT Code Website Fax Tel 50088 Kuala Lumpur Kuala Lumpur CityCentre Level 1, MenaraMaxis THE ROYAL BANKOFSCOTLAND BERHAD Rozainol Bahari Karen NgSaw Gaik Ravi Verma Jeremy Loh Lim Yu Mei Andrew Mark Sill Mak ChooiPeng David Edward Hourican Peter Andrew Akwaboah Choo Tuck Wai Dato’ JorgenBornhoft Andrew Mark Sill Tan SriAsmatKamaluddin ABM Members (Cont'd) ofABMMembers Directory : ABNAMYKL : www.rbs.my : 603-2160 9993 : 603-2160 9888 (In accordance to alphabetical order ofMemberBanks)
75 The Association of Banks in Malaysia • Annual Report 2013 76 The Association of Banks in Malaysia • Annual Report 2013 Executive Director, Head,Corporate BankingII Country Executive Director, Head,HumanResources Country Executive Director, Banking Head,HighNetworth Country Executive Director, Head,CommercialBankingI Country Financial Institutions Executive Director, Head,Credit–Corporates & Country Executive Director, Head,CommercialBankingII Country Executive Director, Head,Transaction Country Banking Executive Director, Head,RiskManagement Country ChiefFinancialOfficer Services, Executive Director, Head,Finance&Corporate Country Services Managing Director, Head,Personal Financial Country Deputy ChiefExecutive Officer Chief Executive Officer SENIOR MANAGEMENT Directors Chairman Chairman Emeritus&Adviser BOARD OFDIRECTORS SWIFT Code Website E-mail Fax Tel 50350 Kuala Lumpur Jalan RajaLaut Menara UOB UNITED OVERSEAS BANK(MALAYSIA) BHD (In accordance to alphabetical order ofMemberBanks) (Cont'd) ofABMMembers Directory Lim JitYang Lee Voon Seng Goh ChengEan Kan WingYin David Tan Kok Soon Beh Wee Khee Andre LeeEanChye Alex Por Peng Seong QuahCheiJin Albert Annie Tan Huey Ping Kevin LamSaiYoke Wong KimChoong Wong KimChoong Datuk Abu HurairabinAbu Yazid Abdul LatifbinYahaya Francis LeeChinYong Wee EeCheong Ong Yew Huat Wee ChoYaw : UOVBMYKL : www.uob.com.my : [email protected] : 603-2691 0281 : 603-26927722 Executive Director, Head,Channels Country Executive Director, Head,Credit–Retail Country Executive Director, Head,SpecialisedFinancing Country Executive Director, Head,Corporate BankingI Country Executive Director, Head,BusinessBanking Country Corporate Finance,Investment Banking Executive Director, Markets/ Head,DebtCapital Country Executive Director, Head,Internal Audit Country Banking Executive Director, Head,Bumiputera Business Country Investment Management Executive Director, Head,GlobalMarkets & Country Executive Director, Head,Technology Country &Operations Executive Director, Head,Credit–MiddleMarket Country Management Executive Director, Head,SpecialAssets Country SENIOR MANAGEMENT (Cont'd) UNITED OVERSEAS BANK(MALAYSIA) BHD(Cont'd) Yap Kok Tee Wee HockKiong Steven NgLingTee Steven LoongSeeMeng Raymond ChuiKeng Leng Phoebe Yap Ong Yee Ben Mohd FhauzibinMuridan Michael BehSooHeng Lum CheeOnn Low ChoonSeong Linda Tan MeiLin Vision and Mission 34th Floor, UBN Tower, 10, Jalan P. Ramlee, 50250 Kuala Lumpur
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