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Commerce Asset-Holding Berhad (50841-W) Creating Value annual report 2004 Commerce Asset-Holding Berhad (CAHB) is today a leading financial services group in the region. This year’s annual report features a traditional game known as ’congkak’. Just as a congkak player strategises to accumulate as many playing seeds as possible, CAHB is focused on maximising its strengths to create long-term value. With well integrated capabilities, the Group will continue to move forward in an increasingly global and competitive operating environment. All with the aim of providing the level of returns expected of a world class financial services group. Five Year Group Financial 2004 2003 2002 2001 2000 1. Income (RM’000) (i) Profit before provision 2,224,085 1,872,388 1,548,366 1,494,666 1,331,025 (ii) Profit before taxation 1,090,124 1,240,867 747,575 515,568 830,032 (iii) Net profit for the financial year 752,227 782,300 565,444 357,546 535,745 2. Balance Sheet (RM’000) Assets (i) Total assets excluding contra+ 111,970,661 97,933,977 91,466,723 74,642,055 72,207,468 (ii) Total assets including contra*+ 120,546,815 105,658,371 98,591,949 81,913,336 79,098,983 (iii) Loans and advances 62,603,030 54,496,898 48,771,610 42,214,908 38,800,603 Liabilities and Shareholders’ Funds (i) Total deposits 81,623,044 71,505,038 69,068,298 55,109,043 53,732,092 (ii) Paid-up capital 2,691,740 2,628,960 2,586,290 1,184,647 1,183,312 (iii) Total shareholders’ funds+ 8,787,739 7,899,587 7,169,199 5,827,597 5,606,424 3. Per share (RM) (i) Profit before taxation 0.41 0.48 0.29 0.21^ 0.34^ (ii) Net profit for the financial year 0.28 0.31 0.22 0.15^ 0.22^ (iii) Net tangible asset+ 3.13 2.92 2.66 2.31^ 2.23^ (iv) Gross dividend 0.15 0.10 0.05 0.06 0.06 4. Financial Ratios (%) (i) Return on paid-up capital+ 28.28 30.56 22.19 14.52^ 21.72^ (ii) Return on average shareholders’ funds+ 9.02 10.38 8.70 6.25 10.10 * Including credit equivalent.^ Adjusted for Based on the weighted average number 1:1 bonus issue. of 2,660,245,301 (2003: 2,560,177,518) + Adjusted for the effects ordinary share of RM1.00 each in of prior year adjustments, issue during the financial year ended where applicable. 31 December 2004. Profit Before Provision RM million 1,872 2,224 1,331 1,548 Highlights 1,495 '00 '01 '02 '03 '04 Profit Before Tax RM million Total Assets RM million 1,241 111,971 97,934 1,090 830 72,207 91,467 748 74,642 516 '00 '01 '02 '03 '04 '00 '01 '02 '03 '04 Loans and Advances RM million Return on Paid-up Capital % 62,603 54,497 48,772 22.19 42,215 30.56 28.28 38,801 21.72 14.52 '00 '01 '02 '03 '04 '00 '01 '02 '03 '04 Total Deposits RM million Shareholders' Funds RM million 8,788 81,623 69,068 7,169 7,900 53,732 71,505 5,606 55,109 5,828 '00 '01 '02 '03 '04 '00 '01 '02 '03 '04 Commerce Asset-Holding Berhad (50841-W) 12th Floor, Commerce Square Jalan Semantan, Damansara Heights 50490 Kuala Lumpur Tel: (03) 2093 5333 Fax: (03) 2093 3335 www.commerz.com.my Notice of Annual General Meeting 2 Corporate Social Responsibility 57 • The Group that Cares 58 Statement Accompanying • CAHB Group 2004 Notice of Annual General Meeting 4 Calendar of Corporate Events 61 Achievements and Awards 9 Corporate Governance 71 Corporate Information 11 • Statement of Corporate Governance 72 • Corporate Profile 12 • Statement on Internal Control 76 • Group Corporate Structure 13 • Audit Committee Report 78 • Corporate Data 14 • Risk Management 80 • Board of Directors 15 • Additional Compliance Information 84 • Profile of the Directors 16 • Statement of Directors’ Responsibility 84 • Senior Management 18 • Profile of the Senior Management 19 Reports and Financial Statements 85 • Profile of Directors for Major Shareholders’ Statistics 213 Operating Units of the Group 20 Properties of the Group 215 Performance Review 25 The Commerce Group 222 • Group Financial Highlights 26 • Group Performance 27 Group Directory 225 • Financial Calendar 28 Directory of BCB Branches 228 • Share Performance 29 Directory of Bank Niaga Branches 236 • Chairman’s Message 30 • Key Business Review 37 Proxy Form – BCB Group 38 – CIMB Berhad Group 42 – Bank Niaga 46 • Economic Outlook 50 • Investor Relations 53 • Balanced Scorecard 2004 54 contents for for for the Shareholders Investors Community 26 Group Financial Highlights 53 Investor Relations 58 The Group that Cares 27 Group Performance 72 Statement of Corporate 61 CAHB Group 2004 Governance Calendar of Corporate Events 28 Financial Calendar 76 Statement on Internal Control 29 Share Performance 78 Audit Committee Report 30 Chairman’s Message 80 Risk Management 37 Key Business Review 50 Economic Outlook 54 Balanced Scorecard 2004 Notice of Annual General Meeting NOTICE IS HEREBY GIVEN that the Forty Eighth (48th) Annual General Meeting of Commerce Asset-Holding Berhad will be held at Emerald Room, Mandarin Oriental Hotel, Kuala Lumpur City Centre, 50088, Kuala Lumpur on Monday, 18 April 2005 at 10.00 a.m. to transact the following business:- AGENDA their absolute discretion deem fit provided that the aggregate number of shares to be issued does not exceed 10 percent 1. To receive and adopt the Audited Financial Statements for of the issued share capital of the Company for the time being, the year ended 31 December 2004 and the Reports of the subject always to the approval of all the relevant regulatory Directors and Auditors thereon. Resolution 1 bodies being obtained for such allotment and issue.” 2. To declare a first and final dividend of 10.0 sen less income 9. Proposed renewal of the authority for the purchase of own tax and special dividend of 5.0 sen less income tax for ordinary shares. Resolution 10 the year ended 31 December 2004 as recommended by the Directors payable on 11 May 2005 to shareholders “THAT, subject to the Companies Act, 1965 (as may be registered in the Company’s books at the close of business amended, modified or re-enacted from time to time), the on 26 April 2005. Resolution 2 Company’s Articles of Association and the requirements of the Bursa Malaysia Securities Berhad (“Bursa Securities”) 3. To consider and if thought fit, pass the resolution pursuant and approvals of all relevant governmental and/or regulatory to Section 129(6) of the Companies Act, 1965 to re-appoint authorities, the Company be and is hereby authorised to Tan Sri Dato’ Mohd Desa Pachi as Director of the Company, purchase such number of ordinary shares of RM1.00 each to hold office until the conclusion of the next Annual in the Company (“Proposed Shares Buy-Back”) as may be General Meeting. Resolution 3 determined by the Board of Directors of the Company from time to time through Bursa Securities upon such terms and 4. To re-elect the following Directors who retire in accordance conditions as the Board of Directors may deem fit and with the Company’s Articles of Association: expedient in the interest of the Company provided that the aggregate number of ordinary shares purchased and/or held 4.1 Dato’ Anwar Aji Resolution 4 pursuant to this resolution does not exceed ten per centum 4.2 Dr. Roslan A. Ghaffar Resolution 5 (10%) of the total issued and paid-up share capital of the 4.3 En. Izlan Izhab Resolution 6 Company at any point in time and an amount not exceeding the total retained profits of approximately RM735.1 million and/ 5. To approve the payment of Directors’ fees amounting to or share premium account of approximately RM1,881.1 million RM60,000 per director per annum in respect of the year of the Company based on the audited financial statements ended 31 December 2004. Resolution 7 for the financial year ended 31 December 2004 be allocated by the Company for the Proposed Shares Buy-Back AND 6. To re-appoint PricewaterhouseCoopers as Auditors of the THAT the ordinary shares of the Company to be purchased Company and to authorise the Board of Directors to fix their are proposed to be cancelled and/or retained as treasury shares remuneration. Resolution 8 and subsequently be cancelled, distributed as dividends or re-sold on Bursa Securities AND THAT the Board of Directors 7. To transact any other ordinary business. of the Company be and are hereby empowered generally to do all acts and things to give effect to the Proposed As special business: Shares Buy-Back AND THAT such authority shall commence To consider and if thought fit to pass the following Ordinary immediately upon passing of this ordinary resolution until: Resolutions: i. the conclusion of the next AGM of CAHB in 2006 at 8. Proposed renewal of the authority for the issue of new which time such authority shall lapse unless by ordinary ordinary shares. Resolution 9 resolution passed at that meeting, the authority is “THAT pursuant to Section 132D of the Companies Act, renewed either unconditionally or subject to conditions; 1965, the Directors be and are hereby authorised to issue ii. the expiration of the period within which the next AGM shares in the Company at any time until the conclusion of after that date is required by law to be held; or the next Annual General Meeting and upon such terms and iii.
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