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Corporate Social Responsibility

As a responsible corporate citizen, The AmBank Group’s Corporate Social Responsibility (“CSR”) initiatives and programmes focus on the four main pillars of Marketplace, Community, Workplace and Environment. Our CSR activities and initiatives reaffirm our commitment to fulfil our social responsibility as we continue to contribute to a better society, concurrently contributing to the nation’s growth, development and prosperity.

RESPONSIBILITY TO THE MARKETPLACE

Continuously adding value to the marketplace and contributing to the development of the industry are considerations that are given priority in AmBank Group’s products, services and market initiatives.

The AmBank Group through its wide range of products, services and market initiatives continues to add value to the marketplace and contributes to the development of the industry with the belief that this will bring about both growth and prosperity.

Leading Innovation, Stimulating Market Participation

As a leader in the banking industry the Group continues to contribute to the marketplace, especially in terms of thought leadership and market innovation.

In January 2013, AmInvestment Bank was appointed as the Principal Adviser, Lead Placement Agent, Managing Underwriter, Joint Underwriter and Joint Placement Agent for China Automobile Parts Holdings Limited (CAP), a company based in Fujian Province, China.

AmBank Group was appointed as one of the Joint Leader Arrangers (“JLA”) and Joint Lead Managers (“JLM”) by DanaInfra Nasional Berhad (DanaInfra), for their fixed income securities i.e. Exchange Traded Bonds and Sukuk (“ETBS”), that was listed on Bursa Malaysia Berhad (“Bursa Malaysia”) on 8 January 2013. The launch of the RM8 billion Government Guaranteed Sukuk Financing Programme by YAB Dato’ Sri Mohd Najib Tun Abdul Razak, Prime Minister of Malaysia marked a historic milestone for the Malaysian

capital market with the maiden issuance by DanaInfra, effectively creating a new asset class on the Exchange to cement Malaysia as the world’s leading sukuk marketplace.

AmInvestment Bank was appointed as one of the Joint Principal Advisers/Joint Lead Arrangers/Joint Lead Managers for the 20-year Sukuk Musharakah Programme of up to RM2.0 billion in nominal value by Westports Malaysia Sdn Bhd on 2 June 2012. It was structured under the widely accepted principle of Musharakah to a wide investor base.

AmInvestment Bank was also the Sole Lead Manager for Gulf Investment Corporation GSC, Kuwait’s RM750 million (USD253 million) issuance under its existing 20-year RM3.5 billion (USD1.18 billion) Sukuk Wakalah bi Istithmar Medium Term Notes programme, where AmIslamic Bank was Transaction Agent to facilitate the commodity trading via the Suq Al-Sila’ trading platform on Bursa Malaysia.

To enable business customers to access both their international and local trade transactions in an accelerated way, AmBank Group launched its new corporate internet banking solution portal, AmTrade on 15 October 2012. The web-based service enables online submissions of trade applications and supporting documents, thus delivering greater efficiencies and enabling faster business growth.

The Funds Management Division (“FMD”), a member of AMMB Holdings Berhad unveiled a single brand name for its funds management business – ‘AmInvest’ on 25 February 2013, replacing three distinct brands under FMD namely AmMutual, AmIslamic Funds Management and Funds Management Division, AmInvestment

Bank Group. The AmInvest brand will represent both FMD’s conventional and Shariah compliant investment solutions for retail and institutional investors globally.

AmMutual or now known as AmInvest continued to bring to the market wide-ranging themes of funds to suit a variety of investor sector interests as well as risk appetites. Among the funds introduced are AmDynamic Allocator (aims to achieve capital growth over the Medium and Long-Term and at the same time, provide income), AmConsumer Select-Capital Protected (aimed at capital protection with potentially higher returns than fixed deposit rates), AmTactical Bond and AmAsia Pacific Leisure Dividend Fund (for investors seeking a medium to high-risk investment vehicle).

AmBank continued its structured warrant programme with 129 issuances that included call and put warrants over stocks primarily listed on Bursa Malaysia. The fourth edition of the Malaysia Corporate Bond Handbook was published in May 2012, once again providing an indispensable one-stop comprehensive reference to participants in Malaysia’s bond market.

Thought Leadership and Knowledge Exchange

The Group leads in various sectors of the marketplace and continues to emphasise knowledge sharing and exchange via forums, briefings and conferences. It continued its media briefing sessions, which included a series of briefings in mandarin, for the benefit of mandarin speakers, on investing on stocks and futures, and also on the outlook for the bond market.

For the seventh consecutive time, the Group via the AmIslamic brand was the

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Corporate Social Responsibility (Cont’d.)

Lead Partner in the IFN Asia Issuers & Investors Forum 2012. Held on 1 and 2 October the event addressed key issues pertinent to Asia’s current economic climate and the latest developments within the region’s Islamic financial market; including recent governmental efforts, issuer and investor interest, potential capital market issuances, as well as tax and regulatory updates.

AmIslamic came on board as Exclusive Partner at Global Islamic Finance Forum (“GIFF”) 2012, themed “Internationalision of Islamic Finance: Bridging Economies” organised to position Malaysia as a hub for international Islamic finance. AmIslamic was the Gold Sponsor for 9th Kuala Lumpur Islamic Finance Forum (KLIFF) held from 15-17 October 2012, a prestigious event that gathers a pool of industry experts ranging from regulatory authorities, Shariah scholars, bankers, experts, Takaful operators and academicians to share their views and experiences in developing Islamic banking and finance around the globe.

On 6 September 2012, AmInvestment Bank was the lead sponsor for the IFR Asia Malaysian Capital Markets Conference 2012, a one-day conference that saw interesting debates, discussions and knowledge exchange amongst the speakers and focused on Malaysian bonds, loans and equity markets in 2012-13 together with new origination and syndication opportunities for domestic and international financial institutions.

The Group was Titanium Sponsor for International Energy Conference 2012 held in Sarawak from 16-18 October 2012, with the theme “Energising Sustainable Transformation & Opportunities in Sarawak”. Tan Sri Azman Hashim, Chairman, AmBank Group chaired a panel discussion at the International Conference on Productivity and Sustainable Inclusive Development in Asia Pacific, held on 9 and 10 August 2012 in Taipei, Republic of China.

Improving Product and Service Benefits to Customers

The AmBank Group continuously strives to ensure better adoption of best-practices and understanding of customer

needs when preparing its pipeline of customer offerings. To accelerate the enhancement of the Group’s suite of foreign exchange products and services offerings, AmBank Group announced the establishment of a strategic business alliance with Travelex, the world’s largest foreign exchange specialist on 4 July 2012. On 30 January 2013 AmBank (M) Berhad and Rakuten Online Shopping announced a long-term partnership agreement to implement a series of joint promotions on the e-commerce platform.

As part of AmBank Group’s commitment as the Official Bank of The Royal Selangor Golf (“RSGC”) a new AmBank Cash Deposit Machine (“CDM”) was installed and AmBank RSGC World MasterCard was launched. The AmBank Rockwills Card, specially designed and packaged with great savings for consumers and giving them an avenue to contribute to charity was launched on 7 August 2012.

The various divisions of the Group were also recognised for their excellence in products and services by a number of awards. AmInvestment Bank on 26 April 2012 swept six of the top awards at the 9th RAM League Awards, recognising excellence in the Malaysian bond and sukuk markets. These included two Special Merit Awards “RAM Award of Distinction 2011” as Malaysian Top Lead Manager 2011 for the Corporate Bond Market as well as the Corporate Sukuk Market. The Asset magazine’s annual Triple A Country Awards 2012 have named AmInvestment Bank Berhad (“AmInvestment Bank”) as the Best Domestic Bond House, Malaysia for the fourth consecutive year and the fifth time since 2006.

At the Sixth Annual Alpha Southeast Asia Deal and Solution Awards 2012 on 31 January 2013, AmInvestment Bank won Best Initial Public Offering (IPO) Deal Of The Year In Southeast Asia & Best Deal Of The Year In Southeast Asia for Minority Shareholders (for the USD3.1 billion Felda Global Ventures Holdings IPO), Best Dual-Listed IPO Of The Year in Southeast Asia, Best Equity Deal Of The Year In Southeast Asia (for the RM6.7 billion IHH Healthcare Berhad (IHH) Equity Offering), Best REIT Deal Of The Year In Southeast Asia; Most

Innovative Deal Of The Year In Southeast Asia (for the RM837.5 million IGB Corporation Berhad REIT, Best Project Financing Deal Of The Year In Southeast Asia (for the RM2.4 billion DanaInfra Nasional’s Islamic Commercial Papers and Islamic Medium Term Notes) and Best Islamic Finance Deal Of The Year In Southeast Asia (for the RM23.35 Billion IMTN Programme + RM11 Billion PLUS Guaranteed Sukuk).

AmInvest, the new brand for the funds management business of AMMB Holdings Berhad which manages both conventional and Shariah-compliant funds, won Malaysia’s Islamic Fund House of the Year, Best Sukuk House and Best Asian Bonds (three years and five years for local currency) awards (Asia Asset Management’s Best of the Best Awards 2012), Investment Management Company of the Year, Malaysia (World Finance Management Awards 2012) while AmIslamic Bank was awarded the Best Corporate Bank in Asia (2012 Islamic Business & Financial Awards) on 5 December 2012, was named for the third consecutive year as “Asset Management Company of the Year, Malaysia” (The Asset Triple A Investment Awards 2012), “The Most Outstanding Islamic Fund Product” for Am-Namaa’ Asia-Pacific Equity Growth (KLIFF Awards 2012), the most coveted accolade in the industry for Malaysia’s Best Overall Fund Group and Best Bond Group and Best Bond MYR Fund (over 5 Years) for the sixth consecutive year and fifth consecutive year respectively (The Edge-Lipper Malaysia Fund Awards 2013).

AmBank Group won the awards for the Best Service Providers – Risk Management, Malaysia and also for Best Risk Management Solution, Malaysia from The Asset Triple A Transaction Banking Awards 2013 (Treasury, Trade and Risk Management) presentation held in Hong Kong on 21 March 2013.

At the 13th Customer Relationship Management and Contact Centre Association of Malaysia (CCAM) 2012 Awards, the AmBank Contact Centre won the Best Contact Centre Team Leader (open), Best Contact Centre Support Professional (under 100 seats),

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Corporate Social Responsibility Award (second place), Best In-House Outbound Contact Centre (third place, under 100 seats), Best Head of Contact Centre (third place, under 100 seats) and Best Contact Centre Professional (third place, under 100 seats).

RESPONSIBILITY TO THE COMMUNITY

The AmBank Group stays connected to the community by reaching out to society with compassion and remaining committed in addressing a wide range of issues linked to the development of sustainable communities. These include the less fortunate, those in distress situations, youth, sport, culture, and the media. At a parallel level, the Group also continues to contribute to healthy intellectual growth through various initiatives.

Caring for the Underprivileged and Needy

The AmKasih programme continued for the third year as the umbrella platform for AmBank Group’s CSR sustainable development initiatives, where the Group has allocated RM1 million per year in sponsoring the programme. On 19 May 2012 a total of 100 families from Kuching, Sarawak received a total sum of RM104,000, where each recipient will be provided an allowance of RM20 per family per week or RM80 per month for one year to help offset the costs of essential daily food items such as rice, sugar, flour, milk and cooking oil.

Between 6 and 13 August 2012, AmBank Group through its sports club, Kelab AmBank Group (“KAG”) held its annual shopping and Buka Puasa for the less fortunate from a total of six homes and 5 schools in Kuala Lumpur, Alor Setar, Kuching, Batu Pahat, and Kota Bharu. In this initiative under the CSR banner of AmKasih the homes were also presented RM5000 cash each.

On 13 September 2012, 50 less fortunate children and youth from Madrasah An Nuriah Ad Dinniah, Melaka were invited for a Hari Raya treat and distributed Duit Raya, school uniforms, shoes and stationery to them. A cash contribution of RM8000 was also presented to the home.

AmBank Group distributed 5,400 life jackets to fisherman and boat operators in Kelantan and Terengganu on 7 November 2012. A further 1,520 life jackets were distributed in Marang, Terengganu on 17/18 May 2013.

AmBank Group through KAG organised a Hari Gawai treat for 50 children from the Yayasan LaSallian Kuching in Kuching on 22 May 2013, where they were presented with cash contribution and then brought for Hari Gawai shopping. KAG also organised a similar Hari Kaamatan treat for 52 children from Rumah Anak Yatim Ar-Raudhoh and Taman Didikan Kanak-Kanak Kurang Upaya Sri Stella in Tawau, Sabah on 23 May 2013.

On 27 September 2012 AmBank Group donated new sets of chairs to the Tun Hussein Onn National Eye Hospital (“THONEH”) as part of its efforts to provide comfort and convenience to the community. The Group’s sports club, Kelab AmBank Group (“KAG”) organised a Deepavali treat for 45 children and youths from the Arul Perum Jothi Children Home in Ipoh, Perak, where they were presented with gifts such as school uniforms, school bag, shoes and socks, and mattress, pillow, bed sheet and electrical appliances to the home.

KAG also held a Chinese New Year celebration for 90 children and youths from Kuching Boy’s Home and Kuching Children Home in Sarawak on 23 February 2013. They received red packets, goodies, musical instruments, amplifier and computers, while the homes were presented with donation of RM5,000 cash each.

AmIslamic Bank signed a Memorandum of Understanding with Yayasan Pelajaran MARA (YPM) on 22 November 2012 to sponsor 282 needy students from all over Malaysia worth RM250,000 for year 2012. Part of this MOU is under the AmIslamic Bank Adoption Programme in collaboration, which provides financial aid for schooling to primary and secondary level students from low-income families.

Datuk Mahdi Murad, Chief Executive Officer, AmIslamic Bank Berhad, Tuan Syed Anuar Syed Ali, Senior General Manager, Group Corporate Communications and Marketing, AmBank Group, Haji Abd Rahim Abdul Ghani, Deputy Director General (Education), MARA, Tuan Haji Kamarul Ariffin, Board Member, Yayasan Pelajaran MARA and Dr Zubir Harun, Chief Executive Officer, Yayasan Pelajaran MARA.

Tan Sri Azman Hashim and Mr Jeff Pereira, Chief Executive Officer, MyKasih Foundation (centre, red shirt with red cap) taking a group photo with the AmBank-MyKasih Community Programme recipients in Sarawak.

YBhg Datuk Dali Hussain, Chairman, Parliamentary Agriculture Development Council of Pengkalan Chepa (front row, fifth from left) and Tuan Syed Anuar Syed Ali, Senior General Manager, Group Corporate Communications and Marketing, AmBank Group (front row, sixth from left) with the fishermen and boat owners at the ceremony in Jetty Kuala Besar, Kota Bharu, Kelantan.

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AmIslamic Bank continued to provide assistance is a sustainable manner to the underprivileged and presented business zakat to 14 Zakat collection centres as well as 16 homes and charity organisations across the country amounting to RM1,313,553 for financial year ending March 2012.

Supporting Youth, Sports and a Healthier Lifestyle

AmBank Group continues to support and promote programmes that encourage the holistic development of the younger generation and stimulates competitiveness and teamwork, and this is reflected in the themes of the events and initiatives supported by the Group.

The Group was the one of the sponsors for the Mega Konvoi MyAlza Owners Club (MAOC) My Book of Records 2012, held in conjunction with the Himpunan Jutaan Belia held from 23-27 May 2012. It was also the title sponsor for the 7th AmBank Group Malaysia Chess Challenge 2011, part of the annual Malaysia Chess Festival 2011. The Group was the Gold sponsor for the Ipoh Starwalk 2012 held on 17 June 2012, which attracted approximately 15,500 walkers. For the PJ Half Marathon 2012, AmBank Group came on board as one of the sponsors.

AmBank Group was the Bronze Sponsor and the Official Bank of the prestigious Langkawi International Mountain Bike Challenge (LIMBC) 2012, held in Pulau Langkawi from 14-20 October 2012, saw. Former Prime Minister, YABhg Tun Dr Mahathir Mohamad flagged off and gave away prizes to the winners.

In Golf, AmBank Group, the Official Bank for the Royal Selangor Golf Club (RSGC) sponsored the second RSGC AmBank Junior Amateur Open Golf Championship held from 4-6 June 2013. Further in support of the development of golf amongst youth, AmBank Group once again came on board for the AmBank SportsExcel International Junior Golf Championship 2012 with a sponsorship of RM26,860. AmBank Group was also the Main Sponsor for the Perodua World Golfers Championship held from May-October 2012.

Corporate Social Responsibility (Cont’d.)

Supporting Education, the Media and Intellectual Growth

Ever supportive of the media, the Group sponsored the AmBank Media Legend Award at the National Press Club (“NPC”) Naza Awards Night 2012 on 12 September 2012 where the Prime Minister of Malaysia, YAB Dato’ Sri Mohd Najib Bin Tun Haji Abdul Razak presented the award to former RTM Director-General Datuk Abdullah Mohammad. In support of the media, the Group had also sponsored RM5,000 towards the Malaysian Press Institute’s Malam Wartawan Malaysia 2012 journalists’ award ceremony on 12 June 2013.

AmBank Group was one of the sponsors for the Malaysian Press Institute (MPI) Fifth International Journalism Fellowship 2012 launch held on 18 September 2012. AmBank Group participated for the Thirteenth Consecutive Year in The Edge-Bursa Kuala Lumpur Rat Race 2012, held on 25 September 2012 by sending a team and sponsoring RM15,000 in the annual race which raises funds for charitable organisations.

The Group came on board as the title presenter for the Karnival Futsal dan Bola Jaring Harian Metro 2012 dibawa oleh Ambank. AmBank Group was one of the Major Sponsors at the National Press Club (NPC) Treasure Hunt 2012 held on 21 April 2012.

AmBank Group sponsored a Christmas cum back-to-school colouring contest on 15 December 2012 in Kuching. Through this sponsorship, AmBank as

a financial institution encouraged the young to save, using the prize money as a ‘start up’ fund.

Tan Sri Azman Hashim, Chairman, AmBank Group presented the inaugural Azman-Hashim-IIUM Ummatic Scholarship to 10 selected students of the International Islamic University Malaysia (“IIUM”) on 28 November 2012.

Supporting Social Causes and the Community

The AmBank Group was the platinum Sponsor for the Federation of Public Listed Companies Berhad (“FLPC”) 25th Anniversary Charity Gala Night on 19 June 2012. A group of AmBank Group’s Channels Department staff gave a helping hand at the SPCA Ampang by putting their energy, passion and funds together to volunteer at the animal shelter.

Promoting the Arts and Popular Interests

For the eight time, and for the first time in Putrajaya, AmBank Group successfully AMBANG 2013 PUTRAJAYA concert, staged its year-end celebration and concert extravaganza on 31 December 2012. Organised in collaboration with Perbadanan Putrajaya and NTV7, the highlights of the evening were the much anticipated stars including Dato’ M. Nasir, Mizz Nina, Jamal Abdillah, Dato’ Hattan, Ramli Sarip and Hujan. Wowing audiences also too were Kumpulan Wings, Stella Chung and Magen. A Gangnam Dance-AmBank Style performance by AmBank Group’s own staff added to the energy of the exciting evening. Tan Sri Azman Hashim, Chairman, AmBank Group also took to the stage to sing a few favourite numbers, together with The Singing Shop and their medley of popular hits. A brilliant show of fireworks ushered in the New Year, to the delight of an estimated 500,000-strong live audience at Dataran Merdeka.

The 33rd Malaysian Investment Banking Association (“MIBA”) Annual Dinner was held on 12 November 2012 and saw AmInvestment Bank take the title

The Group was the Gold sponsor for the Ipoh Starwalk 2012.

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of Overall Champion for the MIBA Games 2012. AmInvestment’s Dance team emerged third place in the dance competition held during the dinner.

AmBank Group dominated at the National Inter-Financial Institutions Table-Tennis and Bowling Tournament 2012, where they emerged Champions in the Inter-Financial Institutions Bowling League 2012, Ladies Masters category with Nurul Ain Hanzir from Risk Management, Piala Bank Rakyat-Inter-Financial Institutions Table-Tennis Tournament, Singles Table Tennis category with Ong Poi Seng and Doubles Table Tennis category withWong Jee Seng/Tan Ho Eng. AmFraser Securities was the Champion at the 14th Inter-Stockbroking Company Bowling Challenge 2012 held at Kallang Bowl Singapore on 12 July 2012.

RESPONSIBILITY TO THE WORKPLACE

The AmBank Group continues to provide the best possible support to foster its staff wellbeing, development and intellectual growth, realising the value which an engaged workforce will be able to add to the Group and to the community at large.

Balanced and Healthy Lifestyle

A wide range of sporting and competitive challenge events is hosted by the AmBank Group, through its sports club, Kelab AmBank Group to ensure that staff are fit, healthy and alert in body and spirit while having a sense of healthy competition, all valuable attributes at the workplace. These events also help staff take a break from their working lives and get to know their colleagues outside of their working environment. Staff had many opportunities to show their prowess in tournaments and championships for bowling, darts, go-kart, paintball, futsal, bowling and snooker.

The annual Kelab AmBank Group (KAG) Treasure Hunt, this year named as AmChill Out Hunt 2012 was held on 21-22 April and 30 June -1 July 2012. It was flagged off at Taman Metropolitan Kepong with Cameron Highland’s Hotel Equatorial the destination and a total

of 856 participants came from Kuala Lumpur, Kedah, Pulau Pinang, Pahang, Negeri Sembilan, Melaka and Johor.

Fadzlee Abbas from AmLife won the Tan Sri Dato’ Azman Challenge Trophy at the KAG Golf Tournament on 3 November 2012 which saw a total of 104 KAG members participating. Leading the tournament held at Impian Golf & Country Club, Kajang was Tan Sri Azman Hashim himself, Chairman, AmBank Group.

The KAG Blood Donation 2012 held at Bangunan AmAssurance, Bangunan AmBank Group and Menara AmBank in October 2012 saw a total participation of 648 staff. AmBank Group through its sports club, KAG organised a breast cancer screening campaign for its staff/spouses on 3 December 2012 at Menara AmBank, 10-11 December 2012 at Bangunan AmBank and 18-19 December 2012 at Bangunan AmAssurance.

AmBank Group Family Spirit

The Group places priority on fostering a sense of togetherness amongst its 10,000-strong staff and management, staff and staff family members get together in family days where greater interaction in a more informal setting that develops greater bonds and connectivity amongst all.

On 19 May 2012 more than 800 AmBank Group Sarawak Region staff celebrated the Sarawak Region Family Day at Damai Central, Kuching, held in recognition of

Staff and their children having fun at the AmBank Group Family Day held in Stadium Merdeka on 9 March 2013.

their contribution towards the Group. On top of the Family Day, a Long Service Ceremony for Sarawak Region staff was also held on the same day to honour their ceaseless dedication to the Group. A total of 62 staff were honoured for their contribution ranging from 15-30 year categories for the year 2010-2011.

Work Skills and Personal Development

Please refer to the Human Capital Agenda section on page 87.

RESPONSIBILITY TO THE ENVIRONMENT

AmBank Group entered its 26th year of sponsoring Zoo Negara’s Dromedary camels so that the wellbeing of the beautiful camels is extended in order for future generations to enjoy this unique animal. Additionally, in 2012 the Group also sponsored the cost of upgrading the stainless steel cable at the camels’ exhibit. So far, more than RM620,000 has been contributed to this noble cause. In support of green technology, the Group continues to plays its part in support of the Malaysian Government’s Green Technology Financing Scheme.

We at AmBank Group continue to environmentally responsible and reduce wastage by recycling paper, double-sided printing, minimising colour printing and using electronic communications instead of hard copy printouts where possible. Bangunan AmBank Group, Menara AmBank Group and the AmBank Group Leadership Centre are designated as ‘no smoking’ buildings aiming to provide cleaner air for employees and customers alike. Our buildings notably Bangunan AmBank Group and Menara AmBank Group in Kuala Lumpur have also pleasant greenery and landscaped planted areas created to provide pockets of soothing beauty that make for a more pleasant banking experience while at the same time help replenish the oxygen in the urban atmosphere.