AFFIN BANK BERHAD (25046-T) 19Annual Report 2013
En. Amirudin Bin Abdul HalimDirector, Business Banking
En. Amirudin Bin Abdul Halim joined Af!n Bank Berhad as Director, Business Banking in July
2009. Prior to AFFINBANK, Amirudin was at a leading local bank for more than 21 years where he
gained extensive banking experience in Branch Operations, Credit Control, Business Banking,
Retail Marketing, Consumer Banking and Corporate Services. He has served in several senior
strategic roles, including Deputy Head of Business Banking Division, Head of Mortgage and
Automobile Financing and as the Deputy Chief Executive Of!cer of a subsidiary of a leading local
bank. Amirudin graduated with a Bachelor of Arts degree in Finance from St. Louis University in
1986.
Mr. Ee Kok SinChief Financial Officer
Mr. Ee Kok Sin joined Af!n Bank Berhad in 2005 as the Chief Financial Of!cer. Prior to his
appointment at AFFINBANK, Ee was the General Manager of Finance & Services at Pengurusan
Danaharta Nasional Berhad. Ee began his career in 1982 as a Trainee Accountant with a !rm of
Chartered Accountants in London. He has extensive experience in auditing, treasury functions,
!nancial accounting, !nancial management and information technology. Ee is a fellow Member of
the Association of the Chartered Certi!ed Accountants (ACCA) and a member of The Malaysian
Institute of Certi!ed Public Accountants (MICPA) and Malaysian Institute of Accountants (MIA).
MANAGEMENT TEAM PROFILES
Mr. Tan Kok ToonDirector, Treasury
Mr. Tan Kok Toon joined Af!n Bank Berhad as its Head of Treasury in October 2004 and is
responsible for managing all aspects of Treasury Division. He is currently the Honorary Secretary
of Persatuan Pasaran Kewangan Malaysia (Association Cambiste Internationale) and Chair to
the Seminar and Education Committee. Prior to AFFINBANK, Tan was with a leading bank in
Malaysia. Tan has more than 20 years banking experience, particularly in Treasury Operations. He
has served as Treasury Manager with the New York Branch, and was Treasury Business Advisor
to turn around a business project in the Philippines. Tan graduated from University Malaya in
1987 with a Bachelor of Science degree (honours) in Mathematics.
AFFIN BANK BERHAD (25046-T)20 Annual Report 2013
MANAGEMENT TEAM PROFILES
Pn. Nor Rozita Binti NordinChief Human Resource Officer
Pn. Nor Rozita Binti Nordin was appointed as Chief Human Resource Of!cer of Af!n Bank
Berhad in May 2011. Prior to joining AFFINBANK, Rozita was Executive Vice-President and Head
of Group Human Resources at a local banking group. Rozita has more than 30 years’ experience
in Human Resource Development and Customer Relations Strategy, in various industries which
include banking, oil and gas, manufacturing, retail, and shared services. Rozita has taken on
strategic and operational roles, both locally and abroad. Rozita graduated from Southern illinois
University with a Master of Science degree in 1984, a Bachelor of Science in Education and a
Bachelor of Arts degree in Linguistics, both in 1982.
Mr. Kasinathan T.KasipillaiGroup Chief Risk Officer
Mr. Kasinathan T. Kasipillai joined Af!n Bank Berhad in 2005 as its Chief Risk Of!cer. Kasinathan
has more than 35 years of local and overseas banking experience particularly in the areas of Risk
Management. He comes from a foreign bank background working in the risk function serving in a
number of countries including London, Singapore, Hong Kong, Mumbai and Jakarta. Kasinathan
holds a Masters in Business Administration from the University of Bath, UK and is a Certi!ed
Risk Professional awarded by Bank Administration Institute, Chicago, USA. Kasinathan is also an
Associate Fellow of Institute of Bankers Malaysia, and continues to serve as an active member
of CCP Examination Committee.
Pn. Khatimah Binti MahadiGroup Chief Internal Auditor
Pn. Khatimah Binti Mahadi joined Af!n Bank Berhad as Chief internal Auditor in 2004. Khatimah
has more than 30 years of experience in Internal Auditing. She has led the Audit and Compliance
function in a number of large local and foreign !nancial institutions. Khatimah graduated with a
Diploma in Accountancy from UITM in 1978.
AFFIN BANK BERHAD (25046-T) 21Annual Report 2013
MANAGEMENT TEAM PROFILES
Puan Nimma Sa!ra Binti KhalidHead, Legal & Secretarial
Puan Nimma Sa!ra Binti Khalid is the Head, Legal & Secretarial/Company Secretary of Af!n Bank
Berhad, a position she has held since 2005. Nimma joined AFFINBANK in 2001 as Manager, Legal
& Secretarial. She was subsequently assigned to the President/CEO’s of!ce as the Executive
Assistant from 2003 to 2005. Nimma started her career of 20 years as an Advocate & Solicitor of
the High Court of Malaya in 1994. She then moved in-house as Legal Of!cer/Company Secretary
of a commercial bank from 1995 to 2000. Nimma graduated with Bachelor of Laws in 1992 and
Bachelor of Laws (Shariah) in 1993; both from the International Islamic University, Malaysia.
En. Nazlee Bin KhalifahChief Corporate Strategist
En. Nazlee Bin Khalifah joined Af!n Bank Berhad in February 2009 as Head of Business Strategy
and Support, Business Banking Division. Subsequently, in April 2011, Nazlee was appointed as
Chief Corporate Strategist. Nazlee has more than 20 years’ experience in the banking industry.
Prior to joining AFFINBANK, Nazlee was with a leading local bank for 17 years in various
capacities, mostly in Strategic Management positions. Nazlee graduated from Simon Fraser
University in Vancouver in 1991, with a Bachelor degree in Business Administration, majoring in
Accounting and Finance.
Mr. Ramanathan RajooHead, Finance
Ramanathan Rajoo began his career in 1988 as an audit trainee with Coopers & Lybrand before
joining Af!n Bank Berhad in 1991. He has held various positions within the Finance Division
before being appointed to his current position in 2003. He has more than 25 years of extensive
working experience in auditing, !nancial accounting and !nancial management. He holds a
Master degree from University Putra Malaysia, Bachelor of Accounting degree from the National
University of Malaysia and Certi!ed Credit Professional from Institute Bank Bank Malaysia. He
is a member of the Certi!ed Practising Accountants, Australia (CPA) and Malaysian Institute of
Accountants (MIA).
En. Idris Bin Abd HamidDirector, Consumer Banking
En. Idris Bin Abd Hamid is the Director of Consumer Banking, a position he has held since May
2009. Idris began his career with Af!n Bank Berhad in 1994 as General Manager of Af!n Finance
Berhad. He was appointed as Deputy Chief Executive Of!cer for Af!n-ACF Finance Berhad from
2000 to 2005. Idris has over 30 years of experience in the banking industry, which includes
exposure as Branch Manager, and in Corporate and Consumer Loans Management. Idris
graduated with a Master in Business Administration from the University of Northern Colorado
in 1984.
AFFIN BANK BERHAD (25046-T)22 Annual Report 2013
CHAIRMAN’S
STATEMENT
Jen. Tan Sri Dato’ Seri Ismail Bin Hj. Omar (Bersara)Chairman
“
”
In 2013, the Bank registered
an 8.4% increase in its profit
before zakat and taxation,
which amounted to
RM762.2 million.
AFFIN BANK BERHAD (25046-T) 23Annual Report 2013
CHAIRMAN’S STATEMENT
Dear Shareholders,
I am pleased to report that AFFINBANK
registered another year of robust growth
in the !nancial year 2013. Although
the general consensus was that 2013
proved to be a competitive operating
environment for the banking industry as a
whole, AFFINBANK remained focused in
developing our strengths and continued
to perform well.
For the year under review, AFFINBANK
continued to record a steady increase
in revenues and earnings. In 2013, the
Bank registered an 8.4% increase in its
pro!t before zakat and taxation, which
amounted to RM762.2 million.
This year, we launched several new
products, services and campaigns that
boosted our revenue. AFFINBANK’s
business operations and market
presence also continued to thrive as a
result of these new initiatives with growth
in deposits by 11.7% while loans and
advances grew by 8.0%.
The Bank continued to place its brand
in the market and enhance accessibility
by expanding our network of branches.
Three new branches were opened in 2013
and as at December 2013, AFFINBANK
has 103 branches nationwide in Malaysia
to serve our customers better.
Risk Management, Operational and IT
improvements continued throughout
the year as these initiatives are crucial
in supporting the business. New Human
Capital Development initiatives were
carried out to ensure the Bank has a
team of professionals with the correct
skill sets and the right experiences to
serve our customers.
The pride of AFFINBANK stems not only
from our !scal achievements and success
but is also based on what we give back
towards the community. Our Corporate
Social Responsibility (CSR) is something
that we place great importance on and
the Bank reinforced its commitment to
society and their well-being through
various donations, outreach programs
and educational initiatives.
In 2013, two Blood Donation Drives
were organized at AFFINBANK’s Head
Of!ce where over 300 staff volunteered
and donated blood. This CSR initiative
provides a platform for the Bank’s staff
to participate and instills the culture and
spirit of caring within the workplace.
During the various festivities throughout
the year, AFFINBANK reached out to the
community through various activities. In
conjunction with Chinese New Year this
year, AFFINBANK visited the Ampang
Old Folks Home, where residents were
treated to lunch, money packets (“ang
pow”) and donation of a variety of
dry food. During Ramadan, the Bank
organised a scrumptious “Buka Puasa”
dinner for approximately 130 orphans
from selected orphanages and 30 new
Muslim converts from Pertubuhan
Kebajikan Islam Malaysia (PERKIM).
This is an annual event where the Board
of Directors and senior management of
the Bank will attend to host the dinner
and get to know the orphans and other
guests on a more personal level. Besides
dinner, the guests were delighted to
receive “Duit Raya” to add to the festive
celebration mood.
Being a part of the LTAT (Lembaga Tabung
Angkatan Tentera), which is a corporation
with the key objective of providing
maximum returns to non-pensionable
members of the Armed Forces as well
as other welfare bene!ts to members of
the Armed Forces as a whole, the Bank
channels many of its CSR activities
to the same cause. In 2013, several
contributions were made by the Bank
for the welfare of the Malaysian Armed
Forces, i.e. RM160,000 sponsorship to
the communication activities of Tabung
Hari Pahlawan; RM100,000 worth of Hari
Raya gift packages to the Welfare Fund
of the Malaysian Armed Forces; and our
yearly contribution of RM1 million to the
Contribution of RM100,000 worth of Hari Raya gift packages to the Welfare Fund of the Malaysian
Armed Forces.
AFFIN BANK BERHAD (25046-T)24 Annual Report 2013
Yayasan Warisan Perajurit, a foundation
established with LTAT to raise funds
to provide scholarships and education
assistance to the children of retired
Malaysian Armed Forces and those
currently in service.
Our educational initiatives this year not
only brought about new endeavours but
also continued with existing projects
from previous years. A new CSR initiative
in 2013 was AFFINBANK’s sponsorship
of RM50,000 worth of sports equipment
to selected schools, in support of the
“1Murid 1Sukan” policy, implemented
by the Sports Division in the Ministry of
Education. This program aims to provide
deserving students with the opportunity
to further develop their talent and
potential, and gain higher achievements
in sports.
AFFINBANK also continued to
sponsor the TrEES “Young Voices for
Conservation” Programme for the 3rd
Year, a program that educates the young
on environment conservation. The Bank
also !nds this program to be effective
in developing youths to be more “well
rounded” individuals with multiple skills
in the future.
This year, the Bank once again presented
awards to 107 deserving students via
the Af!n Education Excellence Award.
Our Af!n Education Excellence Award
is in its 10th year, and as of last year, a
total of RM1.5 million in cash awards
had been presented to more than 500
deserving students.
We continued to sponsor and support
BHPetrol’s TV Programme on RTM1
called “Di Celah-Celah Kehidupan” that
features selected Malaysians who are in
need of help and assistance. AFFINBANK
provided a convenient platform for cash
donations sent by the public to the
recipients, who also received RM1,000
each from the Bank.
During the year under review,
AFFINBANK and AFFIN ISLAMIC
collaborated to provide RM20,000 worth
of essential items for the "ood victims in
Kuantan. The Bank decided to extend a
helping hand to aid these victims who
suffered great losses. With the help of
the Malaysian Armed Forces, the goods
were distributed to the evacuees at all
"ood relief centres in Kuantan, Pahang.
The Bank continues to remain optimistic
for the year ahead, as we target to grow in
our core business and remain competitive
in the industry. New products/services
and initiatives will be launched so that we
can enhance our proposition to existing
customers, and acquire new business
relationship. We will reinforce the Bank’s
branding presence by increasing our
network of branches and improving
existing branches. All these will be made
possible with a team focused towards
achieving one common corporate
objective.
Sponsorship of sports equipment to selected schools in support of the “1Murid 1Sukan” policy.
CHAIRMAN’S STATEMENT
AFFINBANK sponsors TrEES Programme for the 3rd
consecutive year.
Majlis Berbuka Puasa with orphans and new Muslim
converts at Menara Affin.
AFFIN BANK BERHAD (25046-T) 25Annual Report 2013
Colouring contest winners at Jom Karnival, Lahad Datu Branch.
Chinese New Year visit to Ampang Old Folks Home. New branch at Danga Bay, Johor.
BRANCHES NATIONWIDE IN
MALAYSIA
CHAIRMAN’S STATEMENT
PROFIT BEFORE ZAKAT & TAXATION GROWTH
8.4%
103
At this juncture, I would like to extend my deep appreciation to the Board of Directors,
Management team and every staff at AFFINBANK. It is your dedication and hard work
that has produced the results we have achieved thus far. I would also like to urge
the Management team and staff to continue relying on the enduring power of great
teamwork to achieve our corporate goals.
I encourage each staff to always exhibit prudence and professionalism when working
with our customers, and become the embodiment of a responsible banker. The Bank’s
Corporate Values will dictate our actions at work so that we are continually delivering
great service and meeting the needs of our customers by truly providing “Banking
without Barriers”.
Jen. Tan Sri Dato’ Seri Ismail Bin Haji Omar (Bersara) Chairman
AFFIN BANK BERHAD (25046-T)26 Annual Report 2013
Our pro!t after zakat and taxation this
year escalated by 8.5% to RM569.8
million, from RM525.3 million in 2012.
AFFINBANK’s total assets achieved
a growth of 8.3% to RM56.4 billion,
compared to RM52.1 billion in the
previous !nancial year. Our Return-on-
Equity (ROE) after tax was recorded at
13.8%, while the Cost-to-Income ratio
improved to 44.5% from 45.2%.
The Bank’s total deposits continued to
"ourish in 2013 with an increase of 11.7%
to RM46.1 billion, compared to RM41.3
billion in 2012. Net interest income also
grew to RM813.1 million from RM788.7
million recorded in 2012, while gross
loans and advances added by 8.0%
in 2013. AFFINBANK succeeded in
maintaining asset quality with a lower
net impaired loan ratio of 0.9% in 2013,
compared to 1.1% in 2012. During the
year under review, the Bank continued to
remain vigilant to the economic signals.
The emphasis is on pro-active account
management to ensure that our assets
remain healthy.
PERFORMANCE
REVIEW
Over the last six years, AFFINBANK has been reporting steady growth in revenues and earnings. The Bank recorded a string of profits and increased returns in several areas. In 2013, this trend continued with a profit before zakat and taxation of RM762.2 million, which is an 8.4% increase from the year before.
Business Initiatives
AFFINBANK started the year with
the Chinese New Year Triple Fortune
Promotion, a deposit campaign that
allowed customers to enjoy higher
interest rates on their deposits and a
chance to win a limited edition gold
plated art.
The AFFIN Junior Saver (a children’s
savings account) was re-launched this
year with a new look and savings contest
for young account holders to win cool
IT gadgets and cash prizes. The fourth
OMG campaign, called “The Invasion of
the OMG”, was launched in April 2013
and generated double-digit growth in
retail deposits, and over 100,000 new
accounts compared to previous years.
AFFINBANK partnered with AXA Af!n
Life Insurance to provide a high interest
rate of up to 5.0% for a 12-month
Fixed Deposit placement with AXA’s life
insurance plan, called the Smart Income
Saver (SIS). This FD-SIS Combo Plan
allowed customers to enjoy the bene!t
of insurance protection with high interest
rate and guaranteed cash income.Re-launch of AFFIN Junior Saver for young
account holders.
RETURN-ON-EQUITY (ROE AFTER TAX)
GROSS LOANS/ADVANCES GROWTH
TOTAL DEPOSITS GROWTH
13.8%
8.0%
11.7%
AFFIN BANK BERHAD (25046-T) 27Annual Report 2013
PERFORMANCE REVIEW
Another product bundling initiative was
the “Spend, Save & Win” campaign that
was packaged to reward customers
with a combined product holding of
deposit accounts, debit and credit cards.
Customers who maintain a minimum
average balance in their deposit
accounts, as well as those who spend on
their debit and credit card, were rewarded
with monthly prizes and a Grand Prize of
a KIA Rio 1.4SX.
High-end auto !nancing and mortgage
continued to be key components of our
loan growth this year. During the year
under review, our online banking platform
was successfully upgraded, whilst we
targeted new merchants, implemented a
more ef!cient cash management service,
and improved our transaction banking
facilities for SME customers.
AFFINBANK also jointly organized
the “Experience IBG” road show with
Bank Negara Malaysia, the Association
of Banks in Malaysia (ABM), and the
Association of Islamic Banking Institutions
Malaysia (AIBIM). This 6-month road
show (October 2013 until March 2014)
will cover 12 major towns nationwide and
aims to create awareness among small
businesses about online banking and the
convenience of Interbank GIRO (IBG).
Operational Highlights
One of the key tactical moves to enhance
our branding image in 2013 was through
network expansion. Three new branches
were opened in key strategic locations
in Kota Kemuning (Selangor), Danga
Bay (Johor) and Lahad Datu (Sabah)
to enhance our visibility in these vital
locations and to improve accessibility
of the Bank for our customers. We
also relocated our Kuantan branch to
a brand new premise with the intention
of providing better customer service
through a modern interior and enhanced
infrastructure.
As always, IT and Operational Process
initiatives were implemented within
the year to boost our progress and
development. To enhance our loan
capturing and processes across all
businesses, we launched the Phase 2
enhancement to the Loan Origination
System. The Bank also recalibrated the
Consumer Credit Score Card System
to improve our asset quality and the
predictive capability of credit scoring.
During the year, AFFINBANK
implemented a New Statistical Reporting
System (NSRS) with a standardised
reporting framework and infrastructure
for data submission. We moved in
this direction to support Bank Negara
Malaysia’s (BNM) initiative to improve
statistical reporting by !nancial
institutions and data management. There
is much relevance and bene!t to this
new system of reporting as it increases
timeliness and enhances the integrity of
the statistics.
We are also proud to announce that
AFFINBANK is one of the premier banks
in the industry to have increased
frequency in the payment processing
of IBG transactions. This will result in
faster IBG payments and also encourage
customers to frequently use this mode of
payment. We are pleased to do our part
to support the BNM’s initiative to promote
electronic fund transfer payments.
Risk Management Initiatives
In 2013, we applied several key
measures to facilitate AFFINBANK’s risk
management initiatives. As we adhered
to the BNM’s guideline on Risk-Weighted
Capital Adequacy Framework - Internal
Capital Adequacy Assessment Process
(Pillar 2), the Group maintained a robust
ICAAP Framework to assess capital
adequacy.
Grand Prize winners for “The Invasion of the OMG” campaign.
AFFIN BANK BERHAD (25046-T)28 Annual Report 2013
PERFORMANCE REVIEW
At the start of the year, the Bank
embarked on Basel III, which introduced
new capital rules that included leverage
ratio and liquidity standards, with
phased-in arrangements. We are enroute
to full compliance by 2019. To date, the
Bank has ful!lled the quarterly reporting
requirement to BNM for the current
Observation Period (starting June 2012),
with regard to our leverage and liquidity
positions.
We have also been conducting periodic
industry studies and portfolio reviews
on the economic and regulatory
environment. In light of this, Group
Risk Management (GRM) closely tracks
unfolding events and adopts appropriate
measures to protect the Bank’s risk
position. To further strengthen our risk
culture, GRM conducted several internal
risk programs in 2013 to enhance the
knowledge and skill sets of our of!cers.
These included workshops that are
relevant to credit and operational risk
management, credit clinics focusing on
live case studies and assessments for
Internal Certi!cation in all three key areas
of risk - Credit, Operations and Market.
The Bank was steadfast in managing
and monitoring our loan, and credit
portfolios more ef!ciently in 2013. We
made certain that our focus was on
booking quality assets. AFFINBANK has
adopted prudent underwriting standards,
maintained a proactive approach to
account management, and employed
strict control and monitoring of all
account portfolios.
Human Resources Development
Our Human Resources division also
implemented several key initiatives in
2013 for human capital development.
In May 2013, a Memorandum of
Understanding (MoU) was signed with
the Institute of Bankers Malaysia (IBBM)
to enrol and sponsor our staff into The
Chartered Banker Program. This is a
recognized professional certi!cation
that addresses vital areas of !nance and
banking, and will prove to be a signi!cant
advantage for our staff. This initiative
is part of the Bank’s “Upward Mobility
Program: Empowering Employees to
Grow” to equip staff to become leaders
at the forefront of the banking and !nance
industry. It will also undoubtedly provide
them with the recognition necessary to
ful!l their role in the Bank.
The Af!n Management Programme
(AMP) recruited our 8th batch of AMP
trainees this year. This program is part of
the Bank’s Human Capital Development
Plan and the Young Talent Management
Programme, which aims to develop and
support the banking career of young
talents through engaging activities and
competency programs. To-date, a total
of 118 trainees have participated in this
program.
Throughout 2013, the Bank also
participated in the Skim Latihan 1Malaysia
(SL1M) program, which was established
by the Economic Planning Unit (EPU)
of Prime Minister’s Department in 2011.
One of the reasons that AFFINBANK is
committed to this program is its ability to
increase the employability of Malaysian
graduates, particularly those from rural
areas and low-income families. Through
this initiative, young graduates possess
a higher potential to secure employment
through extensive classroom and on-the-
job training. AFFINBANK was recognised
by the Minister in the Prime Minister’s
Department, Dato’ Seri Wahid Omar,
for its exemplary contribution to the
program.
This year, we further extended our
focus on developing strong talents
and leadership among our employees.
Various training programs were
conducted throughout 2013 on sectors
such as branch operations, marketing/
account relationship management and
soft-skills development, including online
learning program covering subjects in
areas on risk management and Islamic
banking.
Outlook and Prospects
Building on 2013 performance, we
have set a few goals for 2014. We are
projecting a loans growth between 8% to
10% and targeting deposits growth of a
minimum of 10%. AFFINBANK has also
set a target for key ratios to be at par or
above the industry average. The Bank
will continue to enhance its customer
touch point by expanding its network
of branches, Business Loans Centres
as well as off-branch ATMs. We are also
continuously exploring potential Merger
& Acquisition (M&A) opportunity, both
domestic and abroad, to expand our
presence.
AFFIN BANK BERHAD (25046-T) 29Annual Report 2013
FINANCIAL
HIGHLIGHTS
Earnings Per Share (EPS)(Sen)
Profit Before Zakat And Taxation (RM’million)
Total Assets(RM’billion)
Net Loans, Advances & Financing (RM’billion)
Deposits From Customers(RM’billion)
Shareholders’ Equity (RM’billion)
AFFINBANK’s EPS for the !nancial year
ended 31 December 2013 stood at
37.5 sen compared to 35.0 sen the year
before.
AFFINBANK’s net loans, advances and
!nancing grew by 8.2% to RM36.2 billion
compared to RM33.5 billion in 2012.
AFFINBANK achieved pro!t before zakat
and taxation of RM762.2 million, an 8.4%
rise for the year ended 31 December
2013, compared to RM703.2 million in
2012. AFFINBANK’s pro!t after zakat and
taxation also rose by 8.5% to RM569.8
million for the year ended 31 December
2013.
Total deposits increased by 11.7%
year-on-year to RM46.1 billion as at 31
December 2013 compared to RM41.3
billion in the year before.
AFFINBANK’s !nancial position as at
31 December 2013 continued to remain
strong with total assets of RM56.4 billion,
an increase of 8.3% compared with
RM52.1 billion as at 31 December 2012.
Total shareholders’ equity of AFFINBANK
is RM4.4 billion as at 31 December 2013
compared to RM4.1 billion in 2012.
09 10 11 12 13
09 10 11 12 13
09 10 11 12 13
09 10 11 12 13
09 10 11 12 13
22.1 26.5 30.6 35.0 37.5
22.0 26.0 29.7 33.5 36.2
425.1 521.9 613.1 703.2 762.2
26.4 31.0 36.5 41.3 46.1
35.6 42.1 49.2 52.1 56.4
09 10 11 12 13
3.0 3.3 3.6 4.1 4.4
AFFIN BANK BERHAD (25046-T)30 Annual Report 2013
CORPORATE
DIARY
The “OMG The Trilogy” Prize Giving Ceremony
The winner of the “OMG The Trilogy” deposit campaign walked away with gold worth RM333,888.
8 January 2013
Personalised Banking Cocktail Event 2013
Valued customers of the Bank were rewarded with an evening of great food and entertainment at this yearly event.
17 April 2013
CNY CSR Activity – Visit to Ampang Old Folks Home
AFFINBANK visited and brought cheers to senior residents at the Ampang Old Folks Home during the Chinese New Year celebration.
18 February 2013
The Chartered Bankers Programme MOU Signing Ceremony with IBBM
In a bid to develop top notch bankers, the Bank signed a MOU with IBBM to sponsor and enroll its employees for the Chartered Bankers Programme.
30 May 2013
Langkawi International Maritime and Aerospace Exhibition
AFFINBANK sponsored the Langkawi International Maritime and Aerospace Exhibition as the Of!cial Bank & Foreign Exchange Counter.
26 March 2013
Affin Education Excellence Award 2013
The Bank presented cash rewards to 107 students who excel in SPM and PMR exams.
3 June 2013
AFFIN BANK BERHAD (25046-T) 31Annual Report 2013
CORPORATE DIARY
Kuantan Branch Opening officiated by KDYMM Sultan Pahang
Kuantan Branch relocated to a brand new premise and the new of!ce was of!cially opened by KDYMM Sultan Pahang.
New Branch Opening and Jom Karnival
As part of its expansion plans, the Bank opened three (3) new branches in 2013, i.e. Kota Kemuning (Selangor), Danga Bay (Johor) and Lahad Datu (Sabah).
Majlis Berbuka Puasa Bersama Anak-Anak Yatim & Saudara-Saudari Baru
160 orphans and new Muslim converts were treated to a “Buka Puasa” dinner at the Bank’s head of!ce at Menara Af!n.
Sponsorship of Sports Equipment to Schools
In support of the “1Murid 1Sukan” Policy, AFFINBANK sponsored RM50,000 worth of sports equipment to selected schools in Malaysia.
AFFIN Banking Group Hari Raya Open House
AFFIN Banking Group management and staff came together as one entity to host customers and business partners to a scrumptious dinner to celebrate the Hari Raya.
TREES “Young Voices for Conservation”
AFFINBANK sponsors the TREES “Young Voices for Conservation” Programme where students are guided to implement environment protection projects in their schools. Winning teams are rewarded with cash prizes at the end of the project.
23 June 2013 19 July 2013 20 August 2013
23 September 2013 31 October 2013 12 November 2013
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