MANAgEMENT TEAM - Affin Bank Reports/2012...Affin BAnk BERHAD (25046-T) 20 Annual Report 2012...

Affin BAnk BERHAD (25046-T) 20 Annual Report 2012

MANAgEMENT TEAM

YBhg. Dato’ Zulkiflee Abbas Bin Abdul HamidManaging Director / Chief Executive Officer

En. Amirudin Abdul HalimDirector, Business Banking

En. kamarul Ariffin Mohd Jamil Chief Executive Officer, Affin Islamic Bank

En. idris Abd. HamidDirector, Consumer Banking

En. Shariffudin Mohamad Executive Director, Operations

Mr. Tan kok ToonDirector, Treasury

Affin BAnk BERHAD (25046-T)21Annual Report 2012

MANAgEMENT TEAM

Mr. Ee kok SinChief Financial Officer

YBhg. Dato’ Mohammad Aslam khan Gulam HassanChief Recovery Specialist (Resigned w.e.f. 31.10.2012)

Mr. kasinathan T.kasipillai Group Chief Risk Officer

Pn. nor Rozita nordinChief Human Resource Officer

Pn. khatimah MahadiGroup Chief Internal Auditor

En. nazlee khalifahChief Corporate Strategist


YBHg. DATO’ ZuLkIFLEE ABBAS BIN ABDuL HAMID

Managing Director/ Chief Executive Officer

Dato’ Zulkiflee Abbas bin Abdul Hamid is currently Managing Director/ Chief Executive Officer of Affin Bank Berhad, a position held since April 2009. Dato’ Zulkiflee also holds the mandate to drive Affin Banking Group’s strategic and development agenda for all entities within the group.

Dato’ Zulkiflee joined AffinBAnk on 1 March 2005 as Director of Enterprise Banking. Subsequently in 2008, Dato’ Zulkiflee was appointed as Executive Director of Banking, which encompassed both Business and Consumer Banking.

Dato’ Zulkiflee carries with him more than 30 years of banking experience, both locally in Malaysia and internationally in London and new York. Dato’ Zulkiflee has assumed pivotal roles in banking, which include Regional Manager, Chief Credit Officer, and Global Head of Enterprise Banking, amongst others.

Dato’ Zulkiflee holds a Master in Business Administration (1981) and a Bachelor of Science degree in Marketing (1979), both from Southern illinois University.

EN. kAMARuL ARIFFIN MOHD JAMIL

Chief Executive Officer, Affin Islamic Bank

En. kamarul Ariffin Mohd Jamil joined Affin Bank Berhad in 2003 as Head, Corporate Strategy Division. in 2005, kamarul was appointed as Head, islamic Banking Division. With the establishment of Affin islamic Bank, kamarul was appointed as its Chief Executive Officer.

Prior to AffinBAnk, kamarul held various positions at Pengurusan Danaharta nasional Berhad, Trenergy Malaysia Berhad and Shell Malaysia Trading Sdn Bhd in various capacities including business development, and strategic planning.

kamarul graduated from the University of Cambridge in 1992 with a Bachelor of Arts in Economics.

EN. SHARIFFuDIN MOHAMAD

Executive Director, Operations

En. Shariffudin Mohamad joined Affin in 2007 as Director of Operations and was appointed as Executive Director, Operations in 2009.

Shariffudin has 25 years local and overseas experience in banking. His hands-on experience covers Branch Operations, Trade finance, Corporate Banking, Corporate Relationship Management, Credit Operations, Cash Management and Securities Services. His last position was Head, Project Management Services (Technology & Operations) in a leading foreign bank and its local outsourcing subsidiary.

Shariffudin graduated from Southern illinois University, with a Master in Business Administration (1981) and a Bachelor of Science degree in finance (1980).

MANAgEMENT TEAM PROFILES


EN. IDRIS ABD. HAMID

Director, Consumer Banking

En. idris Abd Hamid is currently Director of Consumer Banking, a position he has held since May 2009.

idris began his career with Affin Bank Berhad in 1994 as General Manager of Affin finance Berhad. He was appointed as Deputy Chief Executive Officer for Affin-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.


EN. AMIRuDIN ABDuL HALIM

Director, Business Banking

En. Amirudin Abdul Halim joined Affin Bank Berhad as Director, Business Banking in July 2009.

Prior to AffinBAnk, Amirudin was at Malayan Banking Group (Maybank) 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 at Maybank, including Deputy Head of Business Banking Division, Head of Mortgage & Automobile financing and as the Deputy Chief Executive Officer of Mayban fortis Berhad (a member of the Maybank Group of Companies).

Amirudin graduated with a Bachelor of Arts degree in finance from St. Louis University in 1986.

MR. TAN kOk TOON

Director, Treasury

Mr. Tan kok Toon joined Affin 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 one of the largest banks 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 turnaround a business project in the Philippines.

Tan graduated from University Malaya in 1987 with a Bachelor of Science degree (honours) in Mathematics.


PN. kHATIMAH MAHADI

Group Chief Internal Auditor

Pn. khatimah Mahadi joined Affin 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 financial institutions which include Bank Simpanan nasional, Citibank Berhad, Malaysia Credit finance, UAB/Bank of Commerce.

khatimah graduated with a Diploma in Accountancy from UiTM in 1978.


MR. kASINATHAN T.kASIPILLAI

Group Chief Risk Officer

Mr. kasinathan T. kasipillai joined Affin Bank Berhad in 2005 as its Chief Risk Officer. 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 Certified 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.

MR. EE kOk SIN

Chief Financial Officer

Mr. Ee kok Sin joined Affin Bank Berhad in 2005 as the Chief financial Officer. 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 firm of Chartered Accountants in London. He has extensive experience in auditing, treasury functions, financial accounting, financial management and information technology.

Ee is a fellow Member of the Association of the Chartered Certified Accountants (ACCA) and a member of The Malaysian institute of Certified Public Accountants (MiCPA) and Malaysian institute of Accountants (MiA).


PN. NOR ROZITA NORDIN

Chief Human Resource Officer

Pn. nor Rozita nordin was appointed as Chief Human Resource Officer of Affin Bank Berhad in May 2011. Prior to joining AffinBAnk, Rozita was Executive Vice-President and Head of Group Human Resources at EOn Bank 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.

EN. NAZLEE kHALIFAH

Chief Corporate Strategist

En. nazlee khalifah joined Affin 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 Maybank 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.



CHAIRMAN’S STATEMENT

Dear Shareholders,

On behalf of the Board of Directors, I am pleased to present the Annual Report and Financial Statements for Affin Bank Berhad for the financial year ended 31 December 2012.



During the year under review, Affin Bank Berhad (“AffinBAnk” or “the Bank”) registered another year of strong growth in revenue and earnings. The Bank recorded a profit before zakat and taxation of RM703.2 million, which is a growth of 14.7% compared to the previous financial year. The Bank also registered robust growth in loans, advances and deposits.

Throughout 2012, we continued to diligently focus on growing the Bank’s business and market presence. We launched new marketing campaigns, expanded our branch network and further improved on customer service levels by enhancing operational efficiency and productivity. The Bank also increased its investment in operational capabilities to support long-term business growth, particularly in Talent Management and information Technology (iT).

in line with this improvement, the Board is recommending a final dividend of 6 sen per share, subject to shareholders’ approval at the Annual General Meeting (AGM). Together with the interim dividend of 9 sen per share paid, the total dividend payout will amount to 15 sen per share or RM227.8 million, representing a record payment.

Aside from financial performance, AffinBAnk also saw healthy organic growth in its business operations.

We successfully opened three new branches to bring our network strength to 100 nationwide. Expanding our network is vital for further building our market presence and to tap growing opportunities, particularly in serving the retail and SME segments in which we already have a strong positioning.

Our O.M.G marketing campaign, O.M.G The Trilogy, now in its third year, has proven to be most successful in growing our deposits portfolio. The campaign was one of the key success factors towards the significant growth in the Bank’s customers and deposits.

internally, we focused on comprehensive human capital development and talent recruitment strategies to attract top industry talent and to retain our high performing employees. We also emphasised on the improvement of our working and organisational culture.

+14.7%Profit Before

Zakat & Taxation

+12.2%Loan Growth



+12.9%Customer

Deposits Growth

The Bank continued with its implementation of a structured talent and leadership development program aimed at effective succession planning and strengthening the performance of operational teams via further refinement of core functional competencies.

information Technology (iT) continues to be a key enabler for the Bank. iT is viewed as a key strategy in empowering the Bank to deliver its unique proposition and offerings faster, more conveniently and with greater customer satisfaction.

Besides ensuring sound financial achievements, the Bank also measures its success on other initiatives to reinforce the positive image of our brand. 2012 was also a year where AffinBAnk made a bigger contribution to Corporate Social Responsibility (CSR) initiatives.

for the second consecutive year, the Bank participated as the main sponsor for the Treat Every Environment Special (TrEES) programme. Rallying to the call to help protect the environment, over

500 students from 42 secondary schools came together to help reduce environmental problems. These students are all participants in “Young Voices for Conservation”, an environment education programme organised by TrEES in partnership with AffinBAnk. The TrEES programme is supported by the Ministry of Education and has been a successful CSR initiative in educating the community amongst the younger segment.

As a further support to schools, AffinBAnk sponsored the “Step Up” – niE Pullout for Primary Schools (organised by The Star Publications) to promote English amongst primary students. Under niE, The Star newspapers will be distributed to selected schools for students years four, five and Six. The objective of this program is to contribute to the community by helping students explore a more creative and innovative way of learning through the use of newspapers.

Reaching out to the poor, we supported BHPetrol’s initiative of the production and airing of a TV programme called ‘Di Celah-Celah kehidupan’ on



RTM1. The programme depicts real life stories of people who face poverty, who are disabled and old age in need of care and attention. Besides donating cash to the recipients, the Bank became the channel where the public can send their donations.

As in previous years, the Bank’s Educ-Aid (Scholarship Programme) is in its 9th year, awarding The Examination Excellence Award to students of Bank employees who excelled in their PMR and SPM examinations. This year, AffinBAnk awarded the Examination Excellence Award to 70 PMR and SPM achievers. The Bank also continued to provide scholarships to the employees’ children for their tertiary education, with a value of up to RM15,000 per year for each scholarship, up to a maximum of RM75,000 per scholar.

Other CSR activities for the year include our annual partnership with the national Blood Centre. A blood donation drive was held in AffinBAnk’s headquarters, where the Bank’s employees took the time to donate blood in between their work schedules. We also sent a team of five runners to The Bursa Edge Rat Race and donated to a fund which will benefit 26 charitable organisations around Malaysia. As in previous years, we continued to support the annual “Hari Pahlawan” or Warriors Day.

Going forward, whilst we expect the upcoming financial year to present many challenges, we also see opportunities ahead. The global economy is expected to remain sluggish and the domestic environment is also expected to be impacted. further market liberalisation, new entrants and competing products will result in a more competitive environment.

However, we believe that AffinBAnk will continue to perform well in 2013.

Given the Bank’s sound fundamentals, our growing market presence and the continued improvement in efficiency and productivity, AffinBAnk is in a solid position to deliver another year of growth and progress.

in 2013, the Bank will be focusing on industries or sectors with high growth potentials. As we explore new collaboration and market opportunities, we will further tap the retail and SME segment, where we have already established our brand and solutions.

With more Entry Point Projects expected to be rolled out as part of the Economic Transformation Programme (ETP), we look forward to playing a role in the financing of these projects, particularly in key growth sectors such as healthcare, education and construction.

On behalf of the Board, i wish to express my sincere appreciation to our shareholders and business partners for their continued vote of confidence and support.

i wish to also take the opportunity to record our thanks to the senior management and our employees for their dedication, commitment and tireless effort during the year under review. Their contribution has been a key driver in our continued growth and success. Last but not least, i wish to say thank you to my fellow Board members for their counsel and stewardship in what has been a year of progress for AffinBAnk.

Jen. Tan Sri Dato’ Seri ismail bin Hj. Omar (Bersara)Chairman


AffinBAnk’s profit after zakat and taxation grew by 19.4% from RM440.0 million in 2011 to RM525.3 million in 2012. Total Assets reached RM52.1 billion in 2012, which is a growth of 5.8% compared to RM49.2 billion in the previous financial year.

The Bank also successfully achieved its target of double digit loans growth for 2012. During the year, gross loans and advances grew by 12.2%. Return-on-Equity (ROE) after tax was 14.1% while Cost-to-income ratio was recorded at 45.2%. The Bank also continued to grow its total deposit portfolio by 12.9% in 2012 from RM36.5 billion in 2011 to RM41.3 billion in 2012.

PERFORMANCE REVIEW

+5.8%Total Assets

+19.4%Profit After

Zakat & Taxation

For the year under review, AFFINBANK recorded a profit before zakat and taxation of RM703.2 million, which is a growth of 14.7% compared to 2011. The Bank has been registering consistent growth in revenue and earnings for more than 5 years and the profit before zakat and taxation this year is at an all-time high.

net interest income was recorded at RM788.7 million compared to RM784.9 million in 2011. islamic banking income grew by 14.8% to RM216.8 million from RM188.8 million in the previous year.

The Bank’s growth was tempered with fiscal prudence in ensuring that asset quality was not compromised in the pursuit of loans growth. Asset quality remained resilient with a lower net impaired loan ratio of 1.1% in 2012 compared to 1.3% in 2011. Operational Highlights in line with growing the Bank’s presence in key population areas, AffinBAnk opened three new branches in Selangor – Bangi, klang and Cyberjaya. This brings our branch network strength to 100 nationwide.

The move to launch new branches is aimed to increase our brand visibility, improve our accessibility to customers and to establish a credible presence in key population areas that offer exciting growth potential. The goal is to provide AffinBAnk products and services in locations which are within easy reach and convenient in fast expanding towns and communities.


As customers’ financial needs evolve and grow in sophistication, they would require new and comprehensive offerings. By being closer to these target groups, AffinBAnk can offer its financial solutions to them and ultimately tap this market segment effectively.

The most significant of these new AffinBAnk branches is the Bandar Bukit Tinggi (klang) operation. This is the Bank’s fourth ‘all under one roof’ branch, offering a complete portfolio of financial services and solutions, targeting the business community from the busy Port klang area and a prominent shopping centre.

The Bandar Bukit Tinggi Branch offers financial services from both AffinBAnk and Affin investment Bank Berhad.

in addition to these new branches, three other branches were relocated to Ara Damansara, Puchong and Muar while 15 additional off-site ATMs were installed for easier accessibility and customer convenience.

Building on the success of the O.M.G. deposit campaigns from previous years (O.M.G and O.M.G It’s Back!), AffinBAnk launched O.M.G The Trilogy from July to December 2012.

The campaign targeted new and existing conventional and islamic Savings, Current and fixed Deposit Account holders while encouraging customers to save more with the Bank. With the O.M.G campaign and other marketing promotions, the Bank recorded a healthy growth in deposits in 2012.

The campaign also created plenty of excitement and brand awareness for the Bank. The attractive prizes offered proved to be a major enticement in attracting and retaining customers.

PERFORMANCE REVIEW

45.2%Cost To

income Ratio

13.65%Risk Weighted

Capital Ratio

14.1%Return On

Equity

in collaboration with Permodalan nasional Berhad (PnB), AffinBAnk also launched its 24-hour, online ASnB Top-Up facility on 31 May 2012. AffinBAnk is one of only four banks in Malaysia to offer online additional ASnB funds subscription and only the second bank to provide a 24-hour service facility.

This is in line with the Bank’s objective of leveraging on digital technology to take customer service to a new level, to make banking as easy as possible for customers, while offering new services and initiatives that provide them with better access to a wider spectrum of online transaction options. AffinBAnk is also empowering investors to manage their own investment portfolio.

Through the 24-hour top up service, the Bank is also fulfilling its mandate of encouraging Malaysians to participate in the corporate sectors and equities market.

As in previous years, the focus on iT has continued to yield results – enabling the Bank to work faster and more effectively with improved turnaround time and security, better customer service levels, facilitation of more strategic decision-making and other benefits. One of the two areas where this was evident in 2012 was the launch of a new Loan Origination System to enable faster turnaround time in processing of loans applications. The other was the enhancement to the Retail internet Banking and Corporate internet Banking systems to improve the functional capabilities for customers’ convenience during online transactions.

A robust risk management framework is in place to balance the expected competitive market environment with business growth strategies.


PERFORMANCE REVIEW

Besides stringent loan monitoring processes, a Special Early Alert Committee was formed to track the loan portfolio of the Bank. There are also credit clinics and other credit related talks to inculcate a risk awareness culture amongst the employees of the Bank.

Recognised for Excellence

2012 also saw AffinBAnk garnering several awards. These include the Top 30 Most Valuable Brands by the Association of Accredited Advertising Agents (4As) and the Best of Malaysia Service to Care Champion in the category of Conventional Bank with assets less than USD20 billion.

The latter was awarded by MarkPlus insight in conjunction with the Philip kotler and the Christopher Lovelock Centre for Services Marketing. This Award is given in recognition of best performers and companies with best practices in customer service and customer care in the ASEAn region.

During the inaugural Service to Care Award in 2011, AffinBAnk was also awarded the Malaysia Service To Care Champion for Customer Satisfaction (Category: Conventional Bank with assets below USD20 billion).

These recognitions in customer service excellence re-enforces the Bank’s commitment to continuously improve our service levels and our relationships with customers. We wish to thank all our customers for their endearing support.

HR and Talent Management

During the year, AffinBAnk continued to focus on the development of its human capital. This was achieved through a structured talent and leadership development program, which emphasises on succession planning and enhancing team performance via development of functional competencies.

The Leadership Development Program (LDP) is implemented at all levels from junior to senior management to inculcate new mindsets and behavioural capabilities in view of developing potential leaders to undertake greater roles and responsibilities within the Bank.

in nurturing young talent, the Affin Management Training Programme (AMP) continued to be an effective tool in developing our human capital pool and identifying the future leaders of the Bank.

Prospects & Outlook

Moving into 2013, the Bank’s robust financial position together with new emerging market opportunities present bright prospects going forward.

in growing its business, AffinBAnk will continue to emphasise key business drivers such as growing its loans and advances as well as customer deposits. The Bank waits in much anticipation for its 101st branch opening, which will be a major milestone. in addition, the success of the O.M.G campaigns will be built on further to grow AffinBAnk’s presence in the market. This will be supported by more innovative product offerings that appeal to the retail and commercial segments.


FINANCIAL HIgHLIgHTS

AffinBAnk’s EPS for the financial year ended 31 December 2012 stood at 35.0 sen compared to 30.6 sen the year before.

35.0

26.5

30.6

23.0

22.1

1210 1108 0970

3.2

521.

9

613.

1

454.

6

425.

1

1210 1108 09

52.1

42.1

49.2

33.0

35.6

1210 1108 09

33.5

26.0

29.7

19.5

22.0

1210 1108 09

41.3

31.0

36.5

25.2

26.4

1210 1108 09

4.1

3.3

3.6

2.7

3.0

1210 1108 09

Earnings Per Share (EPS)(Sen)

Profit Before Zakat And Taxation (RM’million)

Total Assets(RM’billion)

AffinBAnk’s net loans, advances and financing grew by 12.77% to RM33.5 billion compared with RM29.7 billion in 2011, as economic activities and demand for credit gathered momentum during the year under review.

Net Loans, Advances & Financing(RM’billion)

Deposits From Customers(RM’billion)

Shareholders’ Equity (RM’billion)

AffinBAnk achieved profit before zakat and taxation of RM703.2 million, a commendable 14.7% rise for the year ended 31 December 2012, compared to RM613.1 million in 2011. AffinBAnk’s profit after zakat and taxation also rose by 19.4% to RM525.3 million for the year ended 31 December 2012.

AffinBAnk’s financial position as at 31 December 2012 continued to remain strong with total assets of RM52.1 billion, an increase of 5.8% compared with RM49.2billion as at 31 December 2011.

Total deposits increased by 12.9% year-on-year to RM41.3 billion as at 31 December 2012, in correspondence to AffinBAnk’s loan growth.

Total shareholders’ equity of AffinBAnk increased by 14.36% to RM4.1 billion from RM3.6 billion the year before.


CORPORATE DIARY

18 January 2012

AffinBAnk holds its OMG It’s Back! prize giving ceremony, where Suzi Zuliana Zalekan won a Volkswagen Golf GTi and RM300,000 cash deposit. Second prize winner, Mardziiah Mansor drove away a Toyota Prius and RM120,000 whereas third prize winner Liew Yen fui took home a Perodua Myvi and RM60,000.

20 March 2012

AffinBAnk hosts ‘An Evening of Splendour’ as a form of appreciation towards its top valued corporate and consumer clients.

16 March 2012

AffinBAnk sponsors RM70,000 for Lembaga Tabung Haji’s “Wirid Terpilih untuk Dhuyufurrahman”, a book to be distributed to pilgrims during their stay at the Holy land.

21 May 2012

AffinBAnk and Affin inVESTMEnT officially and jointly opens its doors, offering an ‘all under one roof’ branch of financial services and solutions to the growing 80,000 residents of Bandar Baru Bukit Tinggi.

16 April 2012

Partnering with the national Blood Centre, AffinBAnk holds a blood donation drive to encourage a joint effort between its staff and customers in meeting their roles as conscious citizens and humanitarians.

24 April 2012

AffinBAnk sponsors RM100,000 to Majlis Bekas Wakil Rakyat Malaysia (MUBARAk) to support the launch of the book, “100 Wira negara”. it is a form of recognition and appreciation for the heroes and icons in various fields and institutions that had great impact on national development.


CORPORATE DIARY

31 May 2012

in collaboration with Permodalan nasional

Berhad (PnB), AffinBAnk officially launches its new 24-hour online service – Amanah Saham nasional Berhad (ASnB) funds Additional Top Up via its website affinOnline.com, placing AffinBAnk amongst the four main banks in Malaysia to provide this service to the public.

June – November 2012

Rallying to the call to help protect the environment, over 500 students from 42 secondary schools come together to help reduce environmental problems at their schools. These students are all participants in “Young Voices for Conservation”, an environment programme by Treat Every Environment Special (TrEES) in partnership with AffinBAnk.

3 August 2012

160 orphans and 30 new Muslim converts from the klang Valley area enjoy a hearty ‘buka puasa’ feast at AffinBAnk’s headquarters, Menara Affin. The board of directors, management staff, AffinBAnk and Affin iSLAMiC employees get to know the orphans and newly converts on a more personal level.

3 November 2012

AffinBAnk holds a colourful come-one-and-come-all ‘Jom Karnival’ for its newly opened 100th branch in Cyberjaya.

4 June 2012

in a bid to support deserving youths in achieving their dreams, AffinBAnk rewards the Examination Excellence Award to a total of 70 PMR and SPM achievers, as well as award scholarships to deserving students to pursue their tertiary education.

10 July 2012

AffinBAnk sponsors The Star’s Step-Up niE, a pullout for primary schools, distributed to selected schools and caters specifically for students year four, five and Six. The objective of this program is to contribute to the community by helping students explore a more creative and innovative way of learning through the use of newspapers.

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MANAgEMENT TEAM - Affin Bank Reports/2012...Affin BAnk BERHAD (25046-T) 20 Annual Report 2012...

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