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TOP 5 COMMERCIAL BANK IN MALAYSIA
PRESENTED BY:
1.WAN NUR HASYIMAH BT WAN HANAFI2.SITI NUR NADHIRA BT MUHAMMAD NAFIZON3.SITI KHAIRUL ATHIRAH BT AZHAN4.JULIANA BT TAJUDDIN5.KHAIRUNISA BT KAMARUDIN
ABOUT CIMB CIMB Group is ASEAN's leading universal
banking franchise. We offer a full range of financial products and services covering consumer banking, corporate and investment banking, Islamic banking, asset management, wealth management, insurance and takaful, and private banking.
With over 37,000 employees, CIMB Group reaches 81% of the ASEAN population, representing 89% of the region’s gross domestic product. Our retail network of over 1,000 branches is the widest in the region.
In addition, we extend our reach and range of products and services through strategic partnerships. Our partners include the Principal Financial Group, Aviva plc, Bank of Tokyo-Mitsubishi UFJ, Standard Bank plc, Daishin Securities and the Kanoo Group, among others.
Headquartered in Kuala Lumpur, CIMB Group's main markets are Malaysia, Indonesia, Singapore, Thailand and Cambodia. Our presence in 13 countries covers ASEAN and major global financial centres, as well as countries in which our customers have significant business and investment dealings.
HISTORY CIMB BANK1965: Bank Bumiputra Malaysia Berhand (BBMB) was
incorporated. This was in line with government initiatives to increase Bumiputra participation in the national economy. The bank grew to be the most prominent bank for all Malaysians with branches throughout the country.
1974: Pertanian Baring Sanwa Multinational Berhad (PBS) was incorporated by Bank Pertanian, Baring Brothers of United Kingdom, Sanwa Bank of Japan and Multinational bank of the United Kingdom. It was managed by the Baring Brothers and provided corporate advisory and funding services to multinationals.
1979: Bian Chiang Bank was renamed Bank of Commerce Berhad. This was a result of its purchase by the UMNO-owned Fleet group. In 1982, the bank became an institution with RM367 million in total assets and total shareholders' funds of RM12.8 million.
1986: Pertanian Baring Sanwa Multinational Berhad was renamed Commerce International Merchant Bankers Berhad (CIMB). This was a result of Bank of Commerce Berhad replacing Bank Pertanian as the controlling shareholder of PBS. CIMB retained its corporate finance focus and added stock broking to its range of services.
2005: Commerce Asset Holdings Berhad (CAHB) announced its strategic decision to create a universal bank by combining its commercial and investment banks. Following this announcement, Bumiputra-Commerce Group was acquired by CIMB. As part of the exercise, CAHB was renamed Bumiputra-Commerce Holdings.2006: In January, CIMB completed its restructuring exercise under Bumiputra-Commerce Holdings Berhad. The new CIMB Group was known as a universal bank. It made a transition to a full-service banking provider serving corporates to individuals. Then in March, CIMB Group acquired SBB after extensive negotiations. After the acquisition, in September CIMB Group was launched by the Prime Minister of Malaysia, YAB Dato' Seri Abdullah bin Haji Ahmad badawi.
2007: Launch of CIMB FoundationCIMB Foundation is a non-for profit organisation launched in November 2007 to carry out the Group’s corporate social responsibility and philanthropic initiatives. Its focus is on sustainable programmes in community development, sports and education. In support of its commitment, CIMB Group pledged an initial sum of MYR100 million to CIMB Foundation.
2009- Launch of CIMB Bank SingaporeCIMB Group set up retail banking services in Singapore in September 2009. Through its strong service propositions, CIMB Bank Singapore has brought innovative products that maximize value for money in a competitive environment.The retail banking component complements CIMB Group’s existing securities, advisory and corporate lending businesses in Singapore.
ESTABLISHMENT OF CIMB
Businesses of CIMB are:Consumer bankingInvestment bankingIslamic bankingAsset managementInsurance
OVERVIEWCIMB Group Holdings Berhad, is the listed holding
company for Malaysia's second largest financial services provider, CIMB Group. As at 31 December 2010, CIMB Group was the largest company on Bursa Malaysia with a market capitalisation of RM63.2 billion. CIMB Group's primary emphasis is to create long-term value for its shareholders. Our management is committed towards good corporate governance, organisational effectiveness, capabilities enhancements and efficient capital management. Within this section, you will be able to find the most recent financial and other relevant information on CIMB Group.
SNAPSHOTTotal Assets: RM269.4 billionTotal Shareholders' Funds: RM23.2 billionTotal Funds Under Management: RM32.9 billionNet Profit (FY10): RM3.52 billionEarnings Per Share (FY10): 49.0 senGlobal Markets: Malaysia, Singapore, Indonesia,
Thailand, Hong Kong, China, UK, USA, Brunei, Myanmar, Vietnam, Bahrain, Cambodia and India.
Staff Strength: Over 37,000
HISTORY AND ESTABLISHMENT OF HSBC
The history of HSBC began in the 19th century when Hong Kong and Shanghai Banking Company Limited was established in Hong Kong to finance the growing trade between China and Europe.
HSBC Holdings plc is a global financial company headquartered in Canary Wharft London,United Kingdom
HSBC (abbreviation origin: the "Hongkong and Shanghai Banking Corporation") was founded in the former British colony Hong Kong (in March 1865) and Shanghai (one month later) by Scotsman Sir Thomas Sutherland (1834–1922)
• HSBC Holdings plc was required to relocate its world headquarters from Hong Kong to London in 1993
• In 1980, HSBC acquired a 51% shareholding in Marine Midland Bank, which it extended to full ownership in 1987
• In May 1999, HSBC continued its US acquisitions with the purchase of Republic National Bank of New York for $10.3bn
In July 2001 HSBC bought Demirbank, an insolventTurkish bank. Then in August 2002 HSBC acquired Grupo Financiero Bital, SA de CV, Mexico's third largest retail bank for $1.1bn.
The new headquarters of HSBC Holdings at 8 Canada Square, London officially opened in April 2003.
Then in September 2003 HSBC bought Polski Kredyt Bank SA of Poland for $7.8m
• June 2004 HSBC expanded into China buying 19.9% of the Bank of Communications of Shanghai
In April 2006 HSBC bought the 90 branches in Argentina of Banca Nazionale del Lavoro for $155m
In December 2007 HSBC acquired The Chinese Bank in Taiwan
In February 2008, HSBC was named the world's most valuable banking brand by The Banker magazine
HSBC is more well known in banking circles for its conservative and risk-averse approach in its business operations
As of April 2, 2008, according to Forbes magazine, HSBC was the fourth largest bank in the world in terms of assets ($2,348.98 billion), the second largest in terms of sales ($146.50 billion), the largest in terms of market value ($180.81 billion)
It was also the most profitable bank in the world with $19.13 billion in net income in 2007 (compared to Citigroup's $3.62 billion and Bank of America's $14.98 billion in the same period)
The HSBC Group has a significant presence in each of the world's major financial markets, with the Americas, Asia Pacific and Europe each representing around one third of the business
HSBC arguably has the most international presence among the world's multinational banking giants
The HSBC Group operates as a number of local banks around the world, which explains its advertising tagline "The World's Local Bank."
PUBLIC BANK
HISTORY OF ESTABLISHMENT OF PUBLIC BANK
The Public Bank was established in 1966 by its Founder and Chairman, Tan Sri Dato' Sri Dr. Teh Hong Piow.
The Public Bank Group is highly reputed for its prudent management, strong balance sheet, superior asset quality, superior customer service, strong corporate governance and effective corporate culture.
Public Bank Malaysia is the largest domestic bank in Malaysia after Malayan Banking Berhad.
The Public Bank Group's total assets rose to RM226 billion at the end of 2010, contributed by its high business growth strategies in the last ten years.
In the domestic market, Public Bank continues to sustain its strong lending and deposit-taking franchise as shown by its strong market leadership position in home mortgages, auto financing and lending to small- and medium-sized enterprises.
Public Bank has the highest return on equity amongst domestic banks.
From a one-branch bank in 1966, the Group now has 250 branches in Malaysia and extensive presence in the region.
the Group has 81 branches in Hong Kong, 3 branches in the People's Republic of China, 21 branches in Cambodia, 7 branches in Vietnam, 3 branches in Laos, a branch in Sri Lanka and 3 representative offices in Shanghai, Shenyang and Taipei.
ABOUT RHB BANK• Known as Rashid Hussein Bank• Headquartered in Kuala Lumpur,RHB main products are banking and
finance service.Specializes in commercial banking,corporate and investment banking services
• Formed after a merger between Kwong Yik Bank and DCB Bank, on 1st July 1997, and Sime Bank and Bank Utama later.
• On March 9, 2007, the Employees Provident Fund (EPF) gained control of the bank, after winning a bid against EON Capital and a Kuwait Finance House-led consortium.RHB Bank is a part of RHB Capital Berhad financial conglomerate.
• Our businesses are offered through our main subsidiaries-RHB Bank Bhd and RHB Investment Bank Bhd,which are wholly owned by RHB Capital ,RHB Insurances Bhd,which is 79.5% owned by RHB Capital
• Our Islamic banking Unit,RHB Islamic Bank Bhd is wholly owned by Rhb Bank,while our asset management and unit trust businesses are held under RHB Investment Management Sdn Bhd,a wholly owned subsidiary of RHB Investment Bank.
ESTABLISHMENT OF RHB BANK RHB Bank Banking Group is currently the fourth
largest fully integrated financial service group in Malaysia.Our core businesses are streamlined into seven Strategic Business Groups (SBG)
Business Banking Retail banking Group Transaction Banking Corporate & Investment Banking Islamic Banking Global Financing Banking Group Treasury
HISTORY OF RHB BANK• 1913 - Established with a start-up capital of
RM300,000 at the Old Market Square in Kuala Lumpur, making it Malaya's first local bank
• 1959 - A group of businessmen, led by Mr Chang Ming Thien, a prominent figure in the rubber industry in Malaya and Singapore, sets up the United Malayan Banking Corporation Berhad (UMBC)
• 1960 - Officially declared open by Prime Minister Tunku Abdul Rahman Putra Al-Haj. It is the first commercial bank to be established in independent Malaya
• 1966 - Establishment of Development and Commercial Bank (D&C Bank, later renamed DCB Bank)
• 1976 - A licensed commercial bank, is incorporated as a public company
• 1983 - Rashid Hussain secures a broker's licence and sets up Rashid Hussain Securities Sdn Bhd
• 1996 - UMBC becomes part of Sime Darby Berhad and is renamed Sime Bank Berhad
• 1996 - Rashid Hussain acquires a 75% stake in Kwong Yik Bank Berhad
• 1997 - Merger of Kwong Yik Bank Berhad and DCB Bank Berhad to form RHB Bank, then Malaysia's third largest financial services group
• 1997 - Merges with Kwong Yik Bank Berhad to form RHB Bank Berhad, turning a medium-sized bank into the third largest integrated financial services group in Malaysia
• 1999 - Merger of Sime Bank Berhad and RHB Bank Berhad to form the RHB Banking Group
• 1999 - Merges with RHB Bank Berhad and becomes part of the RHB Banking Group
• 2003 - Merger of RHB Bank Berhad with Bank Utama Berhad into the RHB Banking Group
• 2005 - RHB Banking Group received a license for its Islamic Banking arm - RHB Islamic Bank Berhad
MAYBANK……was incorporated in 1960.serving customers in 15 countries
worldwide . founded by Malaysian business tycoon Khoo
Teck Puat, who died in 2004.earliest local banks that initiated and
promoted the online banking services.
Continue…Maybank offers a full range of commercials,
corporate, and private banking services, with a network of more than 450 branch offices.
As of June 30, 2010, Maybank is the largest Malaysian bank, boasting group assets worth USD$106 billion.
Consumer banking remains one of the Group’s largest revenue earners with a variety of services and products.
Continue…..First to computerize its savings and current accounts
services.First to launch a wireless mobile payment facility.LARGEST Financial Services provider in Malaysia. NO. 1 Bank in Malaysia by assets and reach. FIRST Bank in Malaysia to cross USD100 billion in
total asset size and USD1 billion in profit after tax in 2010.
PIONEER in Internet Banking services in Malaysia in 2000.
Continue…..Maybank was accorded two awards by
Euromoney in the latter’s Private Banking and Wealth Management Survey 2009.
the Best Private Banking Services Overall and Malaysia’s Best Local Bank.
CHRONOLOGY…… 1960: Khoo Teck Puat founds Malayan Banking Berhad (Maybank).
1963: Maybank establishes a trustee branch, Mayban Trustees Bhd. 1973: Aseambankers Malaysia Berhad is founded. 1975: Aseambankers launches Kota Discount Berhad joint venture. 1987: Maybank establishes Mayban Securities Sdn Bhd. 1989: Kora Discount is renamed Mayban Discount Bhd. 1990: Maybank sets up offshore operations in Labuan, including an offshore Islamic banking unit. 1994: Maybank establishes a subsidiary in Papua New Guinea.
2001: Maybank opens its first branch office in China, in Shanghai. 2002: An Islamic insurance subsidiary is launched.
2007 (Nov) - MNI Insurance and Takaful Nasional were rebranded as Etiqa Insurance & Etiqa Takaful respectively. Subsequently, Mayban Takaful transferred all its business, assets and liabilities to Etiqa Takaful.
2008 (May) - Dato' Sri Abdul Wahid Omar, is officially appointed as President & CEO of Maybank Group.
2009 (January) - Renamed its subsidiary Aseambankers to Maybank Investment Bank.
2010 - Introduced a Dividend Reinvestment Plan, the first Malaysian company to do so.
CONCLUSIONMAYBANK
HSBC BANK
PUBLIC BANK
CIMB BANK
RHB BANK
BIGGEST ASSET
RM 151,469,585
RM 28,623,792
RM 150,983
RM 82,001,608
RM 7,217,574
BIGGEST LIABILITY
RM 175,379,742
RM 44,686,358
RM 176,872
RM 47,780,054
RM 60,460
PROFIT RM 3,968,450
RM 2,987,602
RM 2,987,602
RM 524,175
RM 2,685,612
LIQUID ASSET
RM 28,707,992
RM 11,709,558
RM 34,690
RM 7,927,617
RM 7,239,268
NET PERFORMING LOAN
0.20% 0.905% 0.15% 0.62% 1.15%
