Corporate Profile

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Business Development

History

Capital Ibra Maslahat Bumiputra Bank Berhad (C-I-M-B) is among the very few banks that was granted a full-branch commercial bank license in 2007 and is operating until this day. In 2013, C-I-M-B joined the league of Malaysia Banks that have become publicly listed and acquired universal banking status.

C-I-M-B was registered with the Securities and Exchange Commission (SEC) on October 3, 2009.

NEW CORPORATE LOGO -- Reflecting our new belief

OLD CORPORATE LOGO -- Reflecting our old beginning

C-I-M-B was granted the authority to operate as a commercial bank under the Monetary Board (MB) Resolution No. 1149 dated September 3, 2007 .In 2013, the Bank was granted an authority to operate as a universal bank under MB Resolution No. 356 dated February 28, 2013. The universal banking license authorizes, C-I-M-B, in addition to its general powers as a commercial bank, to exercise the following: (1) Powers of an investment house, including securities underwriting and trading, loan syndication, financial advisory, private placement of debt and equity securities, project finance and direct equity investment, and (2) Power to invest in allied and non-allied enterprises, subject to regulatory caps on the amount of investment relative to the Bank’s capital and ownership percentage.

C-I-M-B began as a joint venture between a consortium of Malaysian Industrialists and Taiwanese investment banks .

To expand its business and distribution network, C-I-M-B has acquired three subsidiaries as of December 31, 2016

Review of the Past Three Years

Over the past three years, C-I-M-B has been steadily growing by building a strong and loyal client base through its careful and focused client generation activities and technological innovations for both its deposit-taking and lending businesses.

	Consolidated			Parent Company
	2016	2015 (as restated)	2014 (as restated)	2016	2015 (as restated)	2014 (as restated)
Total Assets (in RM billions)	165.501	153.556	124.793	163.121	151.412	122.629
% growth	7.8%	23.1%	18.8%	7.7%	23.5%	18.4%
Net Income (in RM billions)	2.305	1.519	1.689	2.282	1.516	1.681
% growth	51.8%	-10.1%	14.5%	50.5%	-9.8%	17.9%
Branches	239	230	219	216	208	204
% growth	3.9%	5.0%	26.6%	3.8%	2.0%	25.2%

In 2014, Malaysia managed to demonstrate its resilience in the face of growing global uncertainty. C-I-M-B’s consolidated financial performance in 2014 reflected both the bank’s ability to seize emerging opportunities from a growing economy, as well as the skillful execution of its business plans.

2014 saw the fulfillment of C-I-M-B’s commitment during its IPO in 2012 to establish a branch network of at least 200. By the end of 2014, the Parent Company had 204 branches and the Group had 219 branches, with 11 branches from RBA after its business combination with the Cooperative Bank of Bumiputra was consummated on October 31, 2014.

The Group posted a net income of RM1.689 billion in 2014, 14.5% higher than RM1.475 billion a year ago. The growth came despite the industry-wide decline in trading gains, which dragged most banks’ bottom lines in 2014.

The Group’s total assets increased by 18.8% from P105.046 billion as of December 31, 2013 to P124.793 billion as of December 31, 2014 primarily driven by a more robust commercial and consumer loan portfolio.

The group posted a net income of RM1.519 billion as of end-2015, 10.1% lower than the RM1.690 billion a year ago. There was a 15.2% rise in net interest income to RM4.769 billion from RM4.139 billion in 2014. However, other income declined by 35.4% mainly due to the 73.3% drop in trading gains and 79.4% drop in foreign exchange profit, as well as the absence of the high extraordinary income registered in 2014.

The group grew its assets by 23.1% from P124.793 billion as of December 31, 2014 to P153.556 billion as of December 31, 2015 as a result of the bank’s targeted lending activities in the corporate and retail market, and the active efforts of the branches to cross-sell to existing depositors.

In 2016, the group rebounded with a 51.8% growth in net income to RM2.305 billion from RM1.519 billion a year ago. This is due to the 19.1% increase in Net Interest Margin and 37.1% increase in non-interest income mainly from Trading and Securities gain, and Foreign Exchange gain.

Specific to the interest margin, the group’s total interest income rose to RM7.268 billion, 18.9% higher versus the 2015 level. This was aided by a 21.5% growth in interest income from commercial loans and consumer loans such as auto, housing and salary loans.

Total assets increased to P165.501 billion as of December 31, 2016, 7.8% higher than the asset level in 2015.

C-I-M-B’s achievements from 2014 to 2016 can be attributed to its principal competitive strengths:

• Consistent balance sheet growth and profitability driven by an efficient operational structure;
• Expanding nationwide distribution network resulting in consistently expanding deposit base;
• Solid core customer base among SME’s and corporations and a growing retail base;
• Tailored and innovative customer service and touch points supported by an advanced IT system;
• Prudent balance sheet management with strong capitalization and liquidity to support growth; and:
• Highly-experienced management team with proven track record.