PREPARED BY : HAZRA FAZREENDA BINTI HAZMAN

(2019966251) NBF3C

CIMB Group Holdings Berhad is a

Malaysian Universal Bank

headquater in Kuala Lumpur &

operating in high growth economic

in ASEAN

An indigenous ASEAN
An abbreviation for
investment bank, the largest
commerce
Asia Pacific (ex-Japan) based
International Merchant

Bankers investment bank & one of the

world’s largest islamic bank

BACKGROUND
CIMB BANK

The group has over

40,000 employees located

in 18 countries covering
Has a wide retail
branch network with ASEAN & major global
1,080 branches across
financial centres, as well
the region
as countries in which its

customer have significant

business & investment

dealing

Vission

CIMB Bank was formed from the merging of

To be the leading Asean company various bank that had existed throughout the

decades

Bank Chiang Bank

Ban Hin Lee Bank (BHLB)

Mission Bank Lippo

    
Bank Niaga
To provide universal banking services as a high
Southern Bank Berhad (SBB)
performing, institutionalise &integrated company
Bank Bumiputra Malaysia Berhad (BBMB)
located in ASEAN & key markets beyond, & to

champion the acceleration of ASEAN integration United Asian Bank Berhad (UAB)

and the region’s links to the rest of the world

1) Merchant Solutions - Equipping you

with the necessary solutions & tools to

help your business go further

KEY 2) CIMB Cares - Living together all

NGO’s under one of & comments then to

SUBSIDIARIES those who want to help

3) Auto & Property Auction - Cimb

Auto & Property want is a solid reliable

platform that strives to fulfill your

investment dream

Services 4) CIMB Travel - Travel currency offers you

a convenient way to purchase currency online

at the most competetive rates of exchange

5) Currency Exchange & Services - provide a one stop

centre for your foreign exchange notes & other services

with more than 20 booth nationwide

6) Remittances - Send money easily within mInute with a range of

remottance services offered to you via online banking /cimb branches

nationwide

reference - kpmg plg. 2019. cimb : annual report, sustainability report. petaling jaya
 PREPARED BY : HAZRA FAZREENDA BINTI HAZMAN

(2019966251) NBF3C

Cards

i) Credit Card

Account ii) Debit Card

Financing
i) Saving Account ii) Prepaid Card
i) Personal Financing
ii) Current Account iv) Credit Card
ii) Property Financing
iii) Fixed Deposit

Product

Investment Remmittances

Insurance/Takaful

Has been listed on the Indonesia Stock

Exchange since 1989 with 376 branches

INDONESIA -CIMB
Sixth largest bank in Indonesia by
NIAGA
assets at the end of 2019

THAILAND - CIMB THAI

Has been listed on the stock Exchange of
BANK
Thailand

Seventh largest commecial bank in

Thailand by assets, 69 branches nationwide

HONG KONG & one overseas branch in Vientiane

INTERNATIONAL
OPERATION
SINGAPORE

Limited is the Group's banking franchise

in Vietnam

It offers a wide range of banking

VIETNAM products and services for individuals,

businesses, and corporate

Launched in 2018

PHILIPHINES  The all-digital mobile mobile-first retail

banking proposition scaled rapidly to 1.7

million customers in its first year of

operations.
BRUNEI

MNYAMAR

Adopt best energy management practices set

by the Malaysian Energy Commission

Monitor energy usage regularly

Report monthly energy usage

Identify and implement ways to increase

employee awareness
OBJECTIVES
Ensure that new appliances, equipment and OF BANK
systems are energy-efficient and cost-effective 2019

reference - kpmg plg. 2019. cimb : annual report, sustainability report. petaling jaya
 PREPARED BY : HAZRA FAZREENDA BINTI HAZMAN

(2019966251) NBF3C

How does CIMB Bank contribute

to the development of its

CUSTOMER INTEGRITY
sorrounding communities ?

OBSESSED We’re always

We are here for our honest responsible and

customers, to ensure accountable in everything

they’re happy and we do. Be vigilant, be

satisfied. alert, be thorough.

DIVERSITY AND
HIGH
INCLUSION
PERFORMANCE
We believe everyone AGILITY
We always strive to go
has something to We must respond
above and beyond in
contribute, regardless quickly to change
everything we do.
of race, gender or and be problem

opinions. solvers.

REVENUE
Summarize key
The Group performed well in 2019, reporting a
financial
BAU operating income of RM17.8 billion for
performance of
the year, a respectable 8.2% YoY growth on the
CIMB Bank (2019)...
back of improved non-interest income

(NOII) which was 12.9% higher YoY due to

EXPENSES
improved trading activity and 6.3% increase in
Operating expenses increased
net interest income (NII) mainly driven by 6.7%
9.8% YoY mainly from investments across all
loan growth.
businesses as well as incremental Forward23

expenses, resulting in a CIR ratio of 53.4%.

Excluding these incremental investment costs,

CIR would have been 50.3%. Asset quality remains

sound with a full year loan loss charge

coming in at 0.44%, within the FY19 target.

AWARDED BY
AWARD

Malaysia e-Payments Excellence

Best E-Payment Bank Awards (MEEA) 2019

Best IBFT Bank
Malaysia e-Payments Excellence
Some achievement of
MyDebit Market
Awards (MEEA) 2019
Expansion CIMB Bank (2019)
Malaysia e-Payments Excellence
Best Islamic Finance

Sukuk House Awards (MEEA) 2019

Best FX Bank for Alpha SEA Regional Islamic Finance

Corporate Islamic Award 2019

Treasury Alpha SEA Regional Islamic Finance

Award 2019

The risk face by bank

SOLUTION
& how CIMB Bank

manages it?
Data and analytics are leveraged to assess
CREDIT RISK portfolios, as well as to timely identify

problem areas and decide

on corrective actions.

The Group Asset Liability

Management Committee (Group

FUNDING & ALCO), a subcommittee of

LIQUIDITY RISK GRCC discusses the

liquidity risk and funding profile

of the Group.

Risk management tools are in place

to facilitate how Business Units

(BU)/Business Enablers (BE)

SHARIAH
identify and
NON-
manage inherent SNC risk.
COMPLIANCE

RISK

reference - kpmg plg. 2019. cimb : financial report, sustainability report. petaling jaya