31M A L A Y S I A ’ S S T R O N G E S T B R A N D S |

Consumer financing – • personal Financing-i Aslah, Home Financing-i Manzili, Education Financing-i Falah, Car Financing-i AnNaqlu, Fixed Asset Financing-i Al-Mal, Share Financing-i, pawn Broking-i Ar-Rahnu/ Az-Zahab/ GENiUS, Leasing-i Ijarah, Home Financing-i Manzili (SJKp), Collateral Financing (pNB Investment Certificate), Bank Rakyat Credit Card-i and Land Financing-i Ardhi

Commercial financing – • Contract Financing-i, Share Financing-i, Bridging Financing-i, Hire purchase, and property Financing-i

financing for SMIs and Co-operative •Entrepreneurs – Revolving Credit Facility-i Tarkhis (SELAWAT), Joint Venture-i Syarik (Rakan Koop), Rural Development Financing-i Scheme (SpED), Micro Financing-i Scheme (MUsK), Business Financing-i Belia Niaga Scheme, Rakyat Franchise Financing-i Scheme, Credit Guarantee Corporation Scheme (CGC), Contract Financing-i Tijari, Term Financing-i and SME Assistance Guarantee Scheme (SAGS)

Services – • i-Rakyat Internet Banking, tele-Rakyat Call Centre, e-Rakyat Electronic Banking Centre, Off-premise ATM, Interbank Giro (IBG), Bankcard / MEpS, Interbank Fund Transfer, Autopay System, pension Scheme, Armed Forces Retirement pension payment Agent (JHEV), One-Stop Bill payment, payment Collection Agent, Zakat Collection Agent, Will Writing Services, Ar-Rahnu x’Change, Kop- Autopay Service Scheme, Bank Rakyat Service Agent, Foreign Currency Exchange, Remittance Services, Regional MEpS, Tabung Haji Services, Quit Rent Collection Agent, Takaful Hayati, Top-up prepaid (i-Rakyat and ATM)

Bank Rakyat is ahead of most of its major competitors in terms of financing products as it offers customers the fastest approval process and the longest payback period.

REcEnT DEvEloPMEnTsTo date, Bank Rakyat has 120 branches, more

than 200 ATMs, 14 Ar-Rahnu x’Change outlets and 42 Electronic Banking Centres. Customer reach was further boosted with the appointment of 15 co-operatives to represent the Bank as its Service Agents. Meanwhile, to maximise cost effectiveness of reaching its prospective customers, Bank Rakyat uses telemarketing as a mode to promote its selected products and services in the marketplace.

In conjunction with the Labour Day celebration in May 2008, Bank Rakyat was selected as the recipient of the Anugerah Majikan prihatin, Kategori Syarikat Besar (Caring Employer Award, Large Corporation Category) by the Ministry of Human Resource for having complied with stringent criteria such as a high level of commitment towards human capital development, providing OKU (disabled persons) facilities and allocating attractive allowances, incentives, medical and safety benefits for its staff.

PRoMoTion

Understanding the importance of how the Bank’s public image can affect how it is perceived by customers, the Bank places great emphasis on

communicating its unique service proposition through thoughtfully planned advertising

and media campaigns. An integrated media mix comprising electronic, outdoor, print and multimedia

tools is used to convey its strategic message to the public.

The Bank’s series of daily television advertisements during prime time slots, which featured the tagline ‘Saya

Mesti pilih’, was a great success and generated a high level of brand recall amongst customers. The Bank also sponsors ‘Detik Niaga’, a business segment programme on TV3, Mandarin News on 8TV, News on Bernama TV, an educational program for children called Trek Tek Tek on RTM as well as RTM State Radio. Bank Rakyat also regularly advertises in major Bahasa Malaysia, English and Chinese newspapers. The corporate branding campaign successfully projected Bank Rakyat’s image as a progressive Islamic Bank.

BRAnD vAlUEs

Bank Rakyat is well aware that investments channelled into building its brand values must have depth and breadth initiatives before they can demonstrate real impact, and they often yield benefits that are intangible. The Bank acknowledges that brand values are not only enhanced through branding and promotions per se. It can also be achieved through Corporate Social Responsibility initiatives that benefit the people and contribute towards better living in the community at large. The Bank takes pride in helping the less fortunate who need the Bank’s support, assistance and care; the philanthropic role of an institution in the society an Islamic Bank considers just as important as commercial ones.

In this respect, Bank Rakyat has set out seven Strategic Thrust priorities that are indirectly aimed at building its brand values. The priorities include:

prioritising its Customers.•

prospering its Members.•

Realising its Mandated Roles. •

Caring for the Community.•

practising the R.A.K.Y.A.T Culture.•

personal and Human Capital Development.•

practising Creative and Innovative Culture. •

The largest Islamic Co-operative Bank in Malaysia is owned by more than 790,000 individual Malaysians and 1,401 co-operatives.

The Bank has consistently paid dividend of 15 percent for nine consecutive years since 1999.

One of the few banks entrusted to boost the development of Small to Medium Industries; especially new and existing Bumiputera SMIs that require Bank Rakyat’s expertise.

THinGs yoU DiDn’T KnoW ABoUT BAnK RAKyAT