cont'd - Institute of Bankers Malaysia

Institut Bank-Bank Malaysia Annual Report 2009Cover RationaleBraving ChallengesWe live in challenging times. And challenges create opportunities to excel.The global economic downturn has not dampened our spirits. Rather, it hasspurred us to be more resilient in confronting challenges, thus enablingus to sustain the momentum of learning among the banking and financefraternity.Metaphorically, like the mountain trekkers who defy the elements of natureand unimaginable perils to reach the peak, we have braved the challenges tofulfil our mission to produce a competent and competitive financial workforce.Such tenacity represents the journey IBBM took in 2009.

Institut Bank-Bank Malaysia Annual Report 2009Content23456822506768Notice of Annual General MeetingCorporate InformationCouncil MembersManagement TeamChairman’s ReviewSummary of IBBM’s Programmes and ActivitiesReports and Financial StatementsAppendicesForm of Proxy for the 32nd Annual General MeetingForm of Nominee for the 32nd Annual General Meeting1

Institut Bank-Bank Malaysia Annual Report 2009Notice of Annual General MeetingNOTICE IS HEREBY GIVEN that the 32 nd Annual General Meeting of Institut Bank-Bank Malaysia (Company No. 35880-P) willbe held on Saturday, May 22, 2010 at 9.30 am at the Tun Sri Lanang 1 Room, Ground Floor, The Royale Chulan Kuala Lumpur,5 Jalan Conlay, 50450 Kuala Lumpur, for the following purposes:1) To receive the Audited Financial Statements of Institut Bank-Bank Malaysia for the financial year ended December 31, 2009together with the Reports of the Council and Auditors thereon.2) To receive the Audited Financial Statements of the Staff Training Fund for the financial year ended December 31, 2009together with the Report of the Auditors thereon.3) To note the appointment of the following nominees as Members of the Council for the 2010/2011 term of office pursuant toArticles 60(a), 60(b), 60(c) and 60(d) of the Institute’s Articles of Association:Article 60(a):Article 60(b):Article 60(c):Article 60(d):Dato’ Muhammad bin IbrahimDato’ Sri Abdul Wahid bin OmarPuan Yvonne ChiaEncik Chan Kok SeongEncik Jeffrey Chew Sun TeongDato’ Tajuddin bin AtanTan Sri Dato’ Sri Tay Ah LekDatuk Mohamed Azmi bin MahmoodDato’ Charon Wardini bin Mokhzani4) To consider and if thought fit, to pass the following resolutions:(i)(ii)“That Tan Sri Dato’ Seri Azman Hashim who retires pursuant to Section 129(6) of the Companies Act 1965, be and ishereby re-appointed as Council member of the Institute to hold office until the next annual general meeting.”[Resolution 1]“That Encik Kung Beng Hong who retires pursuant to Article 62 of the Institute’s Articles of Association, be and is herebyre-elected as Council member of the Institute.” [Resolution 2]5) To re-appoint Messrs SJ Grant Thornton as Auditors and authorise the Council to fix their remuneration. [Resolution 3]6) To transact any other business duly notified. Such other business to be transacted shall be notified in writing to the Secretary,together with the names of the proposers and seconders, not less than ten (10) days before the date fixed for the Meeting.It is hereby informed that a Member shall not be eligible for election to the Council unless he/she is a Fellow or has been aMember eligible to vote for at least five (5) years.The Membership Register of Institut Bank-Bank Malaysia is available for inspection at the Institute’s registered address, WismaIBI, 5 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur.By Order of the CouncilHENDRY PANG (MIA 2667)TAN POH KIEW (MAICSA 7046258)SecretariesKuala LumpurApril 12, 2010NOTES:Every Individual Member of Institut Bank-Bank Malaysia entitled to attend and vote at this Meeting is also entitled to appoint a proxy to attend and to vote in his stead.A proxy shall be a member entitled to vote. The instrument appointing a proxy (Form of Proxy printed on page 67 of this Annual Report) must be deposited with theSecretary not less than forty-eight (48) hours before the time set for the Meeting or adjourned Meeting.Every Institutional Member of Institut Bank-Bank Malaysia is entitled to nominate one accredited representative (Form of Nominee printed on page 68 of this AnnualReport) to attend and vote at all General Meetings. Alternate representatives may be appointed by such Institutional Members, but no Member may have more than oneaccredited representative at one General Meeting. Every Institutional Member shall have one vote.2

Institut Bank-Bank Malaysia Annual Report 2009Corporate InformationINSTITUT BANK-BANK MALAYSIACompany No. 35880-P(Incorporated in Malaysia)Company Limited By GuaranteeAnd Not Having A Share CapitalChairman :Vice Chairman :Council Members :YBhg Tan Sri Dato’ Seri Azman Hashim, FIBM(appointed w.e.f . June 15, 2009)Chairman, AmInvestment Bank BerhadYBhg Tan Sri Dato’ Sri Dr Zeti Akhtar Aziz, FIBM(retired w.e.f. May 23, 2009)Governor, Bank Negara MalaysiaYBhg Dato’ Sri Abdul Wahid bin Omar(appointed w.e.f. June 16, 2009)President / Chief Executive Officer, Malayan Banking BerhadYBhg Dato’ Sri Abdul Hamidy bin Abdul Hafiz, FIBM(resigned w.e.f. April 5, 2009)Formerly Managing Director / Chief Executive Officer,Affin Bank BerhadYBhg Tan Sri Dato’ Sri Tay Ah Lek, FIBMManaging Director, Public Bank BerhadEncik Kung Beng Hong, FIBMDirector, Alliance Financial Group BerhadYBhg Datuk Mohamed Azmi bin Mahmood, FIBMManaging Director, Retail Banking, AmBank (M) BerhadPuan Yvonne Chia, FIBMGroup Managing Director/ Chief Executive, Hong Leong Bank BerhadYBhg Dato’ Charon Wardini bin MokhzaniDeputy Chief Executive / Executive Director,CIMB Investment Bank BerhadEncik Chan Kok SeongChief Executive Officer, United Overseas Bank (Malaysia) BhdYBhg Dato’ Muhammad bin Ibrahim, FIBM(Assoc)(appointed w.e.f. May 23, 2009)Assistant Governor, Bank Negara MalaysiaEncik Jeffrey Chew Sun Teong (appointed w.e.f. May 23, 2009)Chief Executive Officer / Director, OCBC Bank (Malaysia) BerhadYBhg Dato’ Tajuddin bin Atan (appointed w.e.f. October 1, 2009)Group Managing Director, RHB Bank BerhadEncik Julian Francis Wynter (resigned w.e.f. September 30, 2009)Formerly Managing Director / Chief Executive Officer,Standard Chartered Bank Malaysia BerhadEncik Michael Joseph Barret (retired w.e.f. May 23, 2009)Formerly Group Managing Director, RHB Bank BerhadChief ExecutiveOfficer : Dr Mohd Kamal bin Mohd Khir (resigned w.e.f. July 15, 2009)Secretaries :Auditors :Banker :Solicitors :Registered Office :Hendry PangTan Poh KiewSJ Grant Thornton(Member of Grant Thornton International) Chartered AccountantsMalayan Banking BerhadSkrineWisma IBI5 Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur3

Institut Bank-Bank Malaysia Annual Report 2009Council MembersYBhg Tan Sri Dato’ SeriAzman Hashim, FIBM (Chairman)YBhg Dato’ Sri Abdul Wahidbin Omar (Vice Chairman)YBhg Tan Sri Dato’ Sri Tay Ah Lek,FIBMEncik Kung Beng Hong, FIBMYBhg Datuk MohamedAzmi bin Mahmood, FIBMPuan Yvonne Chia, FIBMYBhg Dato’ Charon Wardinibin MokhzaniEncik Chan Kok SeongYBhg Dato’ Muhammadbin Ibrahim, FIBM(Assoc)Encik Jeffrey Chew Sun TeongYBhg Dato’ Tajuddin bin Atan4

Institut Bank-Bank Malaysia Annual Report 2009Management TeamStanding (from left)Muhammad Suhaimi SulongManager – Learning Solution 2Steven Yong Chee PengManager – Knowledge ManagementKamarudin AliManager – Learning Solution 1Not in the photo:Vivian Tan Poh KiewCompany SecretaryMohd Adli YahyaManager – Corporate CommunicationJoseph Leong Theng WaiManager – Learning Solution 3Prema Devi PalaniappanManager – Test DevelopmentSeated (from left)Susan Lee Yoon LianManager – Membership and Certification AdministrationHendry PangHead – MIS, Accounts and SecretariatJulie Tan Teck ChooHead – Corporate Resources5

Institut Annual Report Bank-Bank 2009 Malaysia Institut Bank-Bank Annual Report Malaysia 2009Chairman’s ReviewThe year 2009 was a challenging periodwith most countries throughout the worldexperiencing an economic downturn thatprecipitated from the financial marketturmoil in the United States. Despite thestrength of Malaysia’s fundamentals, oureconomy also contracted. The government’sproactive measures helped stabilise domesticeconomic growth through its stimulusinitiatives and preserve the nation’s financialstability through prudential and monetarypolicies.Against the backdrop of unfavourableeconomic conditions, the Institute did wellto achieve a decent set of performancefigures. A major contributing factor was thesupport from financial institutions for theInstitute’s programme offerings. This showsthat bank HR professionals had adapted tothe prevailing conditions by better managingcosts, thus enabling sustained investment inhuman capital.For 2009, statistics show a slight increase in thenumber of training programmes conductedand a marginal decline in the number ofattendees compared to the previous year. TheInstitute has been selective in collaborativeevents and focused on its bread-and-butterproduct offerings of banking-related andtechnical programmes. A total of 1,738programmes were delivered in 2009 against1,733 in 2008. The number of participantsregistered a 7% decline with 41,250 attendeesas compared to 44,146 in 2008.The enrolment for the Institute’s certificationexaminations in 2009 registered an overalldecline. The Certified Credit Professional (CCP)examinations had an enrolment total of 5,038candidates, a 7% reduction over the 5,387candidates in 2008. The Pasaran KewanganMalaysia Certificate (PKMC) examinations had555 candidates compared to 627 candidatesin 2008.6

Institut Bank-Bank Malaysia Annual Report 2009On the other hand, the attendance for the Certificate in Internal Auditing for Financial Institutions (CIAFIN) examinationsregistered an increase from 91 candidates in 2008 to 109 candidates in 2009. The Certified Documentary CreditSpecialist (CDCS) examination, which is administered in Malaysia by IBBM, saw a jump from 53 candidates (2008) to 92candidates in 2009.I commend those employees who took up the challenge to acquire further qualifications. They recognise the value ofenhancing their knowledge and skills in today’s highly competitive job market. The financial institutions too should becommended for motivating their staff and providing them learning and skill-building opportunities.The Institute’s 12th Graduation and Awards Ceremony, held in May 2009, was a memorable and poignant event. Itwas the last official event officiated by Tan Sri Dato’ Sri Dr Zeti Akhtar Aziz in her capacity as the Institute’s Chairman.The Institute has benefitted immeasurably from Tan Sri Dr Zeti’s exemplary leadership during her tenor as Chairman,a role she assumed in May 2000. Her passion in the area of banking education and training was manifested by herkeen interest and involvement in the Institute’s learning events and discussions at the Council’s meetings. She alsochaired the Education Committee and had at one time served as an examiner for the Diploma in Banking and Financeexaminations.The Council would like to place on record its deep appreciation to Tan Sri Dr Zeti for her invaluable contribution to theInstitute. We are confident that she will continue to take a keen interest in the Institute’s programmes and activities inher role as Chairman of the Asian Institute of Finance (AIF), of which IBBM is an Affiliate Institute.Going forward, IBBM will forge increasingly closer ties with AIF and the sister Affiliate Institutes comprising theSecurities Industry Development Corporation (SIDC), The Malaysian Insurance Institute (MII) and the Islamic Bankingand Finance Institute Malaysia (IBFIM). This will enable IBBM to leverage synergistic opportunities with AIF and thesister institutes.In late 2009, the Institute commissioned Ernst & Young to develop a Strategic Blueprint to address IBBM’s strategicchallenges and direction. The Blueprint takes into consideration the IBBM-AIF linkage and, amongst others, outlinesinitiatives to strengthen the Institute’s corporate governance and management processes, enhance product offeringsand delivery channels, and restructure its funding model. Following a presentation to the Council in early 2010, thefirm is fine-tuning the Blueprint before it is presented for Council’s approval.In concluding, I would like to take this opportunity to thank everyone who has contributed in one way or another to theInstitute’s achievements during the year under review. Special mention goes to the various Examination Committees,the IBBM Networking Groups, the IBBM State Advisory Committees and course facilitators. Last but not least, mygratitude also goes to my fellow members of the Council and its Committees for their support and contribution to theInstitute’s cause.Tan Sri Dato’ Seri Azman Hashim7

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and ActivitiesLEARNING, EDUCATION AND DEVELOPMENTSustained Investment in TrainingDespite the challenging global and domestic economic environment during the year 2009, financial institutions in Malaysia continuedto invest in human capital development. Against this backdrop, the Institute managed to deliver a total of 1,738 programmes with3,595 training days, which saw 41,250 participants being trained. Table 1 gives a summary of the number of programmes conductedwith the corresponding number of participants and training days between the years 2007 and 2009.The demand by financial institutions for customised in-house training has been on the uptrend since year 2000. These programmesconstituted 90% of the 1,738 programmes conducted in 2009. Table 1 also gives a comparative summary of the public and in-houseprogrammes and enrolment for 2007 to 2009.During the year under review, the Institute made available the following e-learning courses to complement selected instructor-ledtraining:• Financial Institutions Analysis – CAMEL Approach,• Core Financial Concepts – FX Management, Treasury Analytics, Interest Rate Risk, Management, Funding and Investment,• Banking Regulation, Basel I and II,• Market Risk Management,• Credit Risk Management – Credit Ratings,• Operational Risk Management,• Asset Liability Management, and• Global Financial Markets.Table 1: Number of Programmes, Training Days and Participants (2007–2009)ProgrammeCategoryNo. of Programmes No. of Training Days No. of Participants2009 2008 2007 2009 2008 2007 2009 2008 2007PublicProgrammes179 201 248 400 454 511 4,246 5,516 7,356In-houseProgrammesfor Financial1,559 1,532 1,389 3,195 3,321 3,177 37,004 38,630 39,125InstitutionsTotal 1,738 1,733 1,637 3,595 3,775 3,688 41,250 44,146 46,4818

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Programmes on Core Banking AreasIBBM continued to offer learning and development programmes in the core banking areas especially credit and management. Over36% of the training programmes conducted in 2009 were credit-related programmes. The majority of these credit-related programmeswere designed to prepare bankers for the Certified Credit Professional (CCP) examinations.Personal management and development programmes constituted 32% of the programmes delivered. This shows that the financialinstitutions were giving focus to enhancing the leadership and business acumen of their core staff in anticipation of a recovery fromthe economic downturn.Given the global economic crisis and an environment of heightened uncertainty and volatility, financial institutions in Malaysiacontinued to accord importance to managing risk. This is reflected by the fact that over 10% of the programmes conducted in 2009were in the areas of compliance, risk management and audit.Collaborative Learning EventsA two-day International Conference on Financial Crime and Terrorism Financing was held at a leading hotel in Kuala Lumpur on April16 and 17, 2009. A total of 299 bankers attended the event which featured 21 local and foreign speakers and panellists.IBBM and Perbadanan Insurans Deposit Malaysia (PIDM) continued to jointly organise briefing sessions on the Malaysian DepositInsurance System. A total of 989 bankers attended the 16 sessions which were held nationwide.In September 2009, IBBM collaborated with The South East Asian Central Banks (SEACEN) Research and Training Centre to organisethe Banking and Financial Law School. It was held at Lanai Kijang, Kuala Lumpur on September 24 and 25. A total of 92 bankers andregulators attended the event which featured speakers and panellists from various countries.IBBM also partnered with the following conference organisers which provided a platform for IBBM members to participate ininternational learning events at preferential rates:• Leadership Workshop on Lead Without Title: High Performance Leadership in Turbulent Times by Robin Sharma; organised byHR Net Performance Consultants, May 11, 2009;• 13th Malaysian Banking Summit, organised by the Asian Strategy and Leadership Institute (ASLI), May 11–12, 2009; and• IT Governance Conference 2009: Value and Relevance of IT Governance in Challenging Times, organised by the InformationSystems Audit and Control Association (ISACA Malaysian Chapter), May 26–27, 2009.9

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Foreign Participation at IBBM Learning EventsDuring the year, IBBM continued to play host to foreign bankers who travelled to Malaysia from as far as Saudi Arabia and the UnitedKingdom to participate in the Institute’s learning programmes. Table 2 gives a summary of the 12 programmes which had enrolmentby foreign participants.Table 2: Summary of Learning Programmes with Foreign Delegates (2009)Programme TitleEffective Risk Management: Treasury, ALM andDerivativesNo. of ForeignName of Bank / EmployerParticipants1 • PT Bank Mizuho, IndonesiaEffective Cash Flow Analysis 3 • The City Bank Limited, BangladeshCredit Scoring Model for SME and Microcredit 3 • The City Bank Limited, BangladeshFinancingInternational Conference onFinancial Crime and Terrorism Financing 200911 • Baiduri Bank Berhad, Indonesia• Public Prosecution Fiji• PT Bank DBS Indonesia• Bank Of Papua New Guinea• ABN AMRO Bank N.V., Singapore• Complinet Singapore Pte Ltd• Oversea-Chinese Banking Corporation Limited, Singapore• Fortent Limited, United Kingdom• CARAB Risk Mitigation Group, LLC, USA• Vietcombank, VietnamISP98 for Standby Letters of Credit 1 • International Islamic Trade Finance Corporation, Saudi ArabiaAuditing Information Systems Control and4 • Bangladesh Bank, BangladeshSecurityMotivating People and Managing Performance 2 • Bangladesh Bank, BangladeshIntegrated Risk Management 5 • Bangladesh Bank, BangladeshPlain Vanilla Interest Rates and Currency2 • Bank Islam Brunei Darussalam, BruneiDerivativesALM Framework and Liquidity Management 1 • United Overseas Bank Limited, SingaporeAnti-Money Laundering and Know Your Customer 2 • Eastern Bank Limited, BangladeshPolicy: The Law, Compliance and PracticeIdentifying Creative Accounting 5 The City Bank Limited, BangladeshRegional Transfer of KnowledgeDuring the year under review, two banks in the region continued to tap on the IBBM’s expertise to develop and conduct a total offour customised programmes. The two banks were Baiduri Bank Berhad of Brunei and PT Bank International Indonesia. The fourprogrammes had a total enrolment of 81 participants.10

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Table 3: Customised Programmes Conducted Overseas in 2009Name of Institution Programme Title Programme Dates No. of ParticipantsBaiduri Bank Berhad Understanding Basel II Feb 12 25Baiduri Bank Berhad Inspirational Leadership Jan 19–20 21PT Bank International Indonesia Project Financing II May 18–20 16PT Bank International Indonesia Credit Risk Management: Enhancing CreditRelationshipApr 13–15 19IBBM NETWORKING GROUPSThe Institute currently has four networking groups, namely:• Chief Internal Auditors Networking Group (CIANG),• Compliance Officers Networking Group (CONG),• Human Resource Management Development Networking Group (HRMDNG),• Risk Managers Networking Group (RMNG).The networking groups are advisory committees of IBBM that aim to enhance the professionalism, effectiveness and importance oftheir respective functions in financial institutions. The networking groups held regular meetings to exchange ideas and experiences onbest practices and current issues. They also organised learning activities to enhance competencies in their respective professions.Chief Internal Auditors Networking Group (CIANG)Members of CIANG had many topical discussions relating to internal audit such as Basel II requirements for internal auditors, CheckTruncation and Conversion System (CTCS) implementation and issues, addressing the current economic crisis and fraud trends. Thegroup also discussed several guidelines issued by Bank Negara Malaysia (BNM) and Perbadanan Insurans Deposit Malaysia (PIDM), andheld dialogue sessions with their representatives to clarify issues.There was a presentation to the CIANG members on the internal audit competencies from the Banking and Finance IndustryCompetency Framework (ICF). The objective was to obtain the members’ feedback for developing the learning curriculum.Compliance Officers Networking Group (CONG)During the year, IBBM and CONG combined their resources to organise an International Conference on Financial Crime and TerrorismFinancing, which was held on April 16 and 17, 2009. The conference showcased Malaysia’s efforts in implementing Anti-MoneyLaundering (AML) and Counter Financing of Terrorism (CFT) measures. It also provided an avenue for advanced learning from regulatorybodies, international agencies and renowned experts on AML/CFT. The event was attended by some 300 delegates. It also receivedwide local and regional media coverage. A similar conference will be organised in 2010.The year also saw CONG setting up a taskforce to map the training and development needs of compliance officers to the ICF.It has another taskforce which is developing a detailed framework on asset seizure and forfeiture of property.11

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Human Resource Management and Development Networking Group (HRMDNG)The HRMDNG is relatively new, having been formed in late 2007. During the year under review, its members affirmed that theHRMDNG should be the platform for sharing best practices in human resource, benchmarking and on current issues. Its membersalso agreed on topics of interest and concern to be discussed such as e-learning, developing a structured programme for differentstreams, outplacement, re-skilling, training evaluation and measurement, and enhancement of the Financial Sector Talent EnrichmentProgramme (FSTEP). During its meetings, the Institute updated HRMDNG members on IBBM’s training programmes and obtained theirfeedback on enhancing the course curricula.HRMDNG members also took a keen interest in FSTEP and provided invaluable feedback. During the year, a dialogue session washeld with the Head of FSTEP, who shared on the latest developments at FSTEP.Risk Managers Networking Group (RMNG)In 2009, RMNG members held discussions on risk-related topics such as the new Basel II requirements, the Internal Capital AdequacyAssessment Process (ICAAP), measurement and disclosure of valuation of financial instruments in inactive markets, Pillar III andoptimised enterprise risk management. At one of its meetings, there was a presentation on vulnerability assessment.At another meeting, a presentation on the Asian Institute of Finance (AIF) was given by its Chief Executive Officer.FINANCIAL SECTOR TALENT ENRICHMENT PROGRAMME (FSTEP)The Financial Sector Talent Enrichment Programme (FSTEP), launched in September 2007, is a pioneer training programme driven bythe financial services industry in collaboration with Bank Negara Malaysia.From an infancy fraught with a myriad challenges, FSTEP has embraced changes and continuous improvement within two years of itsexistence. Being a project driven by the financial services industry, FSTEP aims to be innovative in its programme design and to keeppace with the industry’s human capital needs. FSTEP also leverages industry players and practitioners to share their knowledge andexpertise with FSTEP participants. Industry support, cooperation and feedback has been very encouraging.For the year under review, the management undertook some proactive initiatives. Several workshops and discussion sessions werealso organised with the respective industry associations, i.e. The Association of Banks in Malaysia (ABM), Life Insurance Association ofMalaysia (LIAM), General Insurance Association of Malaysia (PIAM), Association of Islamic Banking Institutions Malaysia (AIBIM) and theMalaysian Takaful Association (MTA).FSTEP received overwhelming support and participation from both the banking fraternity and the insurance and takaful industry inits workshop ‘The Way Forward: Batch 5 and Beyond’. This workshop culminated in a general agreement to have FSTEP continue as aflagship programme for the industry in addressing its growing need for highly capable human capital.As at December 31, 2009, FSTEP had recruited a total of 683 participants for four intakes. The 290 participants in Batch 1 and 206participants in Batch 2 have since graduated. The108 participants in Batch 3 completed their programme in January 2010 while Batch4 with 79 participants started their internship at various financial institutions in February 2010 and will graduate in July 2010.A positive development reflecting the support of the financial services industry for FSTEP is the Pre-Selected Scheme, which startedwith Batch 4. Under this scheme, financial institutions are invited to sponsor the participants as their employees. These sponsoredparticipants will have a more effective internship with their respective employers. This is a win-win proposition for all parties concernedin that the participants are also offered employment at the outset of the FSTEP training programme. As at end-December 2009, therewere 45 financial institution-sponsored participants in Batch 4 while another 34 were FSTEP-sponsored. More financial institutions areexpected to sponsor the Batch 4 participants.2009 also saw the launch of FSTEP’s website by then IBBM’s Chief Executive Officer, Dr Mohd Kamal Khir, on March 13. On May 29,FSTEP held its inaugural graduation ceremony for the Batch 1 participants at Lanai Kijang, Bank Negara Malaysia. The certificates wereconferred by members of the FSTEP Management Committee. A second graduation ceremony was held on December 23, which wasofficiated by Tan Sri Dato’ Seri Azman Hashim, Chairman of IBBM.12

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)A key milestone in 2009 was the establishment of the FSTEP Quality Assurance Committee (QAC), which is responsible for ensuringthe continuous improvement of the standard and quality of FSTEP’s training programme. The FSTEP Steering Committee, under thechairmanship of Dato’ Mohd Razif Abdul Kadir, who is also a Bank Negara Malaysia Deputy Governor, has appointed eight former chiefexecutives and general managers of financial institutions as QAC members with effect from August 25, 2009.PROFESSIONAL QUALIFICATIONS AND CERTIFICATION PROGRAMMESIBBM Specialist QualificationsCertified Credit ProfessionalA total of 5,038 candidates registered for the Certified Credit Professional (CCP) examinations in 2009, of which 2,305 candidates wereof the CCP Business specialisation and 2,733 were of the CCP Consumer specialisation.During the year, 180 candidates completed the CCP (Consumer) examinations while 118 completed the CCP (Business) examinations.Table 4: CCP – Enrolment Statistics (2007-2009)2009 2008 2007No. of CCP Business candidates 2,305 2,119 2,503No. of CCP Consumer candidates 2,733 3,268 3,694Total number of candidates 5,038 5,387 6,197Table 5: CCP – Summary of Attendees and Subject Passes in 2009Paper No. of Attendees No. of Candidates WhoPassedPaper 1 – Financial System and Principles of Credit 2,040 949Paper 2 – Consumer Credit 686 335Paper 3 – Business Credit 653 397Paper 4 – Applied Consumer Credit 769 180Paper 5 – Applied Business Credit 788 118Table 6: CCP – Number of Completing Candidates (2007-2009)2009 2008 2007No. of candidates completing CCP Business specialisation 118 95 65the examinationsCCP Consumer specialisation 180 235 297Cumulative total number of CCP graduates as at Dec 31 2,929 2,631 2,301Pasaran Kewangan Malaysia CertificateThe Pasaran Kewangan Malaysia Certificate (PKMC) is a regulatory qualification awarded jointly by IBBM and the Persatuan PasaranKewangan Malaysia (PPKM). In 2009, the Institute received a total of 1,264 entries for the four modules from the 555 candidates,while the actual attendance was 1,228. A total of 137 candidates completed the examinations, of which 18 candidates qualified withdistinction. To date, there are 1,216 PKMC graduates.Table 7: PKMC – Enrolment Statistics (2007-2009)2009 2008 2007Total number of candidates 555 627 39713

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Table 8: PKMC – Summary of Attendees and Module Passes in 2009Module No. of Attendees No. of PassesModule I – Part A: The Malaysian Code of Conduct and Market Practices357 164Part B: The Malaysian Financial System and Conduct of Monetary PolicyModule II – The Money Market 337 144Module III – The Foreign Exchange Market 297 132Module IV – Risk Management and Basic Derivatives 237 135Total 1,228Table 9: PKMC – Number of Completing Candidates (2007-2009)2009 2008 2007No. of candidates who completed the examinations 137 136 118No. of candidates who qualified with distinction 18 18 8Cumulative total number of PKMC graduates as at Dec 31 1,216 1,079 943Certificate in Internal Auditing for Financial InstitutionsIn 2009, a total of 122 candidates registered for the Certificate in Internal Auditing for Financial Institutions (CIAFIN) examinationconducted in December and an attendance of 109 candidates was recorded. Of these, 27 completed the examination, recordinga 21% pass rate. Six of the completing candidates qualified with distinction. There are currently 306 CIAFIN graduates.Table 10: CIAFIN – Statistical Summary (2007-2009)2009 2008 2007No. of candidates registered for the examination 122 102 75No. of candidates who attended the examination 109 91 68No. of candidates who completed the examination 27 34 24No. of candidates who qualified with distinction 6 10 2Cumulative total number of CIAFIN graduates as at Dec 31 306 279 245Qualifications Offered By Other Awarding BodiesCertified Documentary Credit SpecialistA total of 92 candidates from Malaysia sat for the Certified Documentary Credit Specialist (CDCS) examination held on April 16, 2009. Ofthese, 51 candidates successfully completed the CDCS examination, recording a pass rate of 55%, with one candidate from CitigroupTransaction Services (M) Sdn Bhd obtaining distinction.The CDCS, a professional certification for documentary credit practitioners, is awarded by the ifs School of Finance in UK and theInternational Financial Services Association in USA. It is endorsed by the International Chamber of Commerce. The examination isadministered by IBBM in Malaysia.14

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Master of Science (Banking)The Master of Science (Banking) programme was introduced in 2007 under a special arrangement with Universiti Utara Malaysia (UUM).Under the arrangement, holders of the Certified Credit Professional qualification were given subject exemptions when they enrolledfor the master’s programme. In 2009, 10 students completed their course of studies.Table 11: Enrolment for the MSc (Banking) Programme (2007-2009)IntakeNo. of Students2009 7th intake – June 36th intake – February 32008 5th intake – October 44th intake – June 83rd intake – February 32007 2nd intake – October 61st intake – June 16LEARNING RESOURCESFollowing the publication of The Foreign Exchange Market text in 2008, the Institute commissioned the same writer, Mr Ding Lai Hong,to work on the manuscript for a follow-up title, The Money Market. Published in 2009, it serves as a study aid for candidates writing the‘Module II – The Money Market’ of the Pasaran Kewangan Malaysia Certificate (PKMC) examination.The Institute appreciates the invaluable feedback that the Persatuan Pasaran Kewangan Malaysia and the PKMC ExaminationCommittee gave during the development of the draft manuscript.On another front, the Institute has initiated a project to review and update the study aids for the Certified Credit Professionalexaminations. The updated materials will be published in 2010.MEMBERSHIPInstitutional MembershipAs at end-2009, Institutional membership stood at 78. The list of Institutional members is appended in Appendix I, while Table 12shows the breakdown by institution types.In 2009, the Council approved the admission of European Credit Investment Bank Ltd as an Institutional member.The following IBBM Institutional members have ceased to be members:• KBC Bank Labuan Branch,• Southern Investment Bank Berhad, and• Commerzbank AG, Labuan Branch.15

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Table 12: Statistical Summary of Institutional Members by TypesType of InstitutionAs atDec 31, 2009As atDec 31, 2008Regulator 2 2Commercial Bank/Banking and Finance Company 21 21Islamic Bank 8 8Investment Bank 10 11Development Financial Institution 7 7Money Broker 6 6Labuan Offshore Bank 11 12Labuan Trust Company 4 4Other Finance-related Institutions 9 9Total 78 80Note:Institutional membership is open to Bank Negara Malaysia; licensed banks; merchant banks; finance companies; banking and finance companiesand investment banks; development banks; co-operative banks; representative offices of foreign banks; discount houses and money brokers.It may also be opened to other institutions at the discretion of the Council.Individual MembershipA total of 1,359 new Individual members were admitted to the various categories of membership in 2009. Members in benefit as atend-2009 stood at 8,628 (2008: 9,768) and the breakdown by membership categories is shown in Table 13.Table 13: Statistical Summary of Individual Members in Benefit by Categories (2009)CategoryAs atDec 31, 2009As atDec 31, 2008Life 3 3Fellow 58 59Associate Fellow 21 21Member 1,182 1,320Ordinary 6,753 7,763Associate 54 21Affiliate 557 581Total 8,628 9,768An extract of the Life, Fellow, Associate Fellow and Member (voting members) register is appended in Appendix II.16

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)MEMBER ACTIVITIES AND MARKETING ACTIVITIESNetworking Events for MembersThe Institute organised a number of events for members nationwide. The activities included social events and talks.Table 14: Summary of Social Events and Talks Held in 2009Event Venue Date1 IBBM/ABM Kedah Bowling Competition Alor Setar May 302 Financial Institution Dinner Talk (Northern Region) withPenang July 17Dato’ Razif Abd Kadir, Deputy Governor, Bank Negara Malaysiaas the guest of honour3 Presentations by staff of IBBM and Bank Negara Malaysia toKuching Aug 20Universiti Teknologi Mara Sarawak students visiting theIBBM Sarawak Branch Office4 Talk on Zero to Zoom - Achieving Excellence in Sales and TeamKuching Oct 13BuildingKota Kinabalu Oct 14Labuan Oct 155 Health talk conducted in collaboration with Parkway HealthKuching Oct 18Patient Assistance Centre6 Talk on Financial Management in collaboration withIpoh Oct 29Agensi Kaunseling Dan Pengurusan Kredit (AKPK)Alor Setar Nov 4Penang Nov 5Kuching Nov 187 Talk on Will, Trust and Legacy Management in collaboration withAlor Setar Nov 17Amanah Raya BerhadPenang Nov 18Kuching Dec 15Ipoh Dec 1517

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)Membership Drives / Banking and Finance Career TalksDuring the year, the Institute conducted membership drives at various financial institutions and facilitated talks on careers in bankingand finance for university students. These events also provided opportunities to promote IBBM’s products and services.Table 15: Summary of Membership Drives / Banking and Finance Career Talks (2009)MonthAprilJulyAugustSeptemberOctoberEventBanking and Finance career talk: Tunku Abdul Rahman College, PenangBanking and Finance career talk: Universiti Putra MalaysiaBanking and Finance career talk: Universiti Tun Abdul RazakBanking and Finance career talk: Sunway University CollegeTwo membership drives targeted at Financial Sector Talent Enrichment Programme (FSTEP) participantsMembership drive: Students of Financial Services and Risk Department, Universiti Teknologi Mara, Shah AlamMembership drive: Staff of Bank Simpanan Nasional (BSN)Membership drive: Students of Universiti Teknologi Mara, DungunMembership drive: Students of Politeknik Seberang PraiPublic Awareness ActivitiesDuring the year, IBBM took up exhibition space to set up promotional booths at conferences and exhibitions organised by variousevent organisers. The objective was to create awareness about IBBM’s learning programmes, membership, certification programmesand publications.Table 16: Summary of Public Awareness Activities in 2009MonthMayJuneJulyAugustSeptemberOctoberNovemberEventRobin Sharma High Performance Leadership in Turbulent Times Conference, Sunway Resort Hotel & Spa, SelangorAsia HRD Congress 2009, Palace of the Golden Horses, Selangor13th Malaysian Banking Summit 2009, Mandarin Oriental, Kuala LumpurMaybank Integrity Roadshow, Maybank Academy, BangiJohn C. Maxwell: Leadership Resilience-Winning in Challenging Times Conference, Grand Dorsett Subang Hotel, SelangorInfo-Security Symposium on Managing Info-Security in Challenging Times, Kuala Lumpur Convention CentreAsia Pacific Entrepreneurship Award 2009, Shangri-La Hotel , Kuala LumpurSEACEN-Bank Negara Malaysia Banking Financial Law School 2009, Lanai Kijang, Kuala Lumpur4th Islamic Financial Services Board (IFSB) Seminar on Legal Issues in the Islamic Financial Services Industry,Lanai Kijang, Kuala LumpurLafferty World Series Conference on Global Perspective, Local Insight, Shangri-La Hotel, Kuala LumpurMinggu Kesedaran Kewangan Malaysia 2009, Terengganu Trade Centre, Kuala Terengganu4th International Conference on E-Commerce with Focus on Developing Countries, JW Marriott Hotel,Kuala Lumpur9th Institut Latihan Islam Malaysia (ILIM) Majlis Muhadharah Sistem Kewangan Islam - Perlaksanaan di Malaysia,ILIM BangiRobert B. Tucker: Conference on Innovation for Breakthrough Results and Sustainable Growth, Crowne PlazaMutiara, Kuala Lumpur18

Institut Bank-Bank Malaysia Annual Report 2009Summary of IBBM’s Programmes and Activities (cont’d)ORGANISATIONThe Institute’s PersonnelThe staff strength as at end-2009 stood at 12 managers, 24 executives and 22 non-executive staff at the Head Office with 2 executivesand 2 non-executive staff at the Branches.FSTEP’S PersonnelMr Lee Khee Joo continues to manage the Financial Sector Talent Enrichment Programme (FSTEP) as its Head, with a team comprising5 Specialists and 13 Associates.19

Institut Bank-Bank Malaysia Annual Report 200920

Institut Bank-Bank Malaysia Annual Report 2009Reports and Financial Statements222728293031323349Report of the CouncilStatement by the Council and Statutory DeclarationIndependent Auditors’ ReportBalance SheetIncome StatementStatement of Changes in EquityCash Flow StatementNotes to the Financial StatementsSupplementary Income Statement21

Institut Bank-Bank Malaysia Annual Report 2009Report Of The CouncilThe Council of Institut Bank-Bank Malaysia is pleased to submit the annual report and the audited financial statements ofthe Institute for the financial year ended December 31, 2009.PRINCIPAL ACTIVITIESThe Institute’s principal activities are aimed at enhancing the professionalism of the workforce in the financial servicesindustry in Malaysia by upgrading their competencies through the provision of industry-focused qualifications andtraining programmes.There have been no significant changes in these activities during the financial year.FINANCIAL RESULTSRMSurplus before taxation 23,530Taxation (12,934)Net surplus for the financial year 10,596RESERVES AND PROVISIONSThere have been no material transfers to or from reserves or provisions during the financial year.INFORMATION ON THE FINANCIAL STATEMENTSBefore the financial statements of the Institute were made out, the Council took reasonable steps:-(a)(b)to ascertain that action had been taken in relation to the writing off of bad debts and the making of allowance fordoubtful debts and satisfied itself that there were no bad debts to be written off and no allowance for doubtfuldebts is required; andto ensure that any current assets which were unlikely to be realised in the ordinary course of business includingtheir values as shown in the accounting records of the Institute have been written down to an amount which theymight be expected so to realise.At the date of this report, the Council is not aware of any circumstances:-(a)(b)(c)which would render it necessary to write off any bad debts or to make any allowance for doubtful debts in thefinancial statements of the Institute; orwhich would render the values attributed to current assets in the financial statements of the Institute misleading;orwhich have arisen which render adherence to the existing method of valuation of assets or liabilities of the Institutemisleading or inappropriate.22

Institut Bank-Bank Malaysia Annual Report 2009Report Of The Council (cont’d)No contingent or other liability has become enforceable or is likely to become enforceable within the period of twelvemonths after the end of the financial year which, in the opinion of the Council, will or may affect the ability of the Instituteto meet its obligations as and when they fall due.As at the date of this report, there does not exist:-(a)(b)any charge on the assets of the Institute which has arisen since the end of the financial year which secures theliability of any other person; orany contingent liability in respect of the Institute which has arisen since the end of the financial year.OTHER STATUTORY INFORMATIONThe Council states that at the date of this report, it is not aware of any circumstances not otherwise dealt with in thisreport or the financial statements which would render any amount stated in the financial statements misleading.In the opinion of the Council:-(a)(b)the results of the Institute’s operations during the financial year were not substantially affected by any item,transaction or event of a material and unusual nature; andthere has not arisen in the interval between the end of the financial year and the date of this report any item,transaction or event of a material and unusual nature likely to affect substantially the results of the operations ofthe Institute for the financial year in which this report is made.COUNCIL AND CONSTITUTIONAL MATTERSThe Council of the Institute comprised the following office bearers:-(a)(b)Nominated by and representing Bank Negara Malaysia under Article 60(a) of the Institute’s Articles ofAssociation:• Tan Sri Dato’ Sri Dr Zeti Akhtar Aziz (retired w.e.f. May 23, 2009)• Dato’ Muhammad bin Ibrahim (appointed w.e.f. May 23, 2009)Nominated by and representing The Association of Banks in Malaysia under Article 60(b) of the Institute’s Articles ofAssociation:• Dato’ Sri Abdul Wahid bin Omar (appointed w.e.f. June 16, 2009)• Puan Yvonne Chia• Encik Chan Kok Seong• Encik Jeffrey Chew Sun Teong (appointed w.e.f. May 23, 2009)• Dato’ Tajuddin bin Atan (appointed w.e.f. October 1, 2009)• Encik Julian Francis Wynter (resigned w.e.f. September 30, 2009)• Encik Michael Joseph Barrett (retired w.e.f. May 23, 2009)(c)Nominated by and representing the Association of Finance Companies of Malaysia under Article 60(c) of theInstitute’s Articles of Association:• Tan Sri Dato’ Sri Tay Ah Lek• Datuk Mohamed Azmi bin Mahmood23

Institut Bank-Bank Malaysia Annual Report 2009Independent Auditors’ ReportWe have audited the financial statements of Institut Bank-Bank Malaysia, which comprise the balance sheet as at December 31,2009, and the income statement, statement of changes in equity and cash flow statement for the financial year then ended, anda summary of significant accounting policies and other explanatory notes, as set out on pages 29 to 48.Council’s Responsibilities for the Financial StatementsThe Council of the Institute is responsible for the preparation and fair presentation of these financial statements in accordancewith the Financial Reporting Standards and the Companies Act 1965 in Malaysia. This responsibility includes: designing,implementing and maintaining internal control relevant to the preparation and fair presentation of financial statements thatare free from material misstatement, whether due to fraud or error; selecting and applying appropriate accounting policies; andmaking accounting estimates that are reasonable in the circumstances.Auditors’ ResponsibilitiesOur responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordancewith approved standards on auditing in Malaysia. Those standards require that we comply with ethical requirements and planand perform the audit to obtain reasonable assurance whether the financial statements are free from material misstatement.An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements.The procedures selected depend on our judgement, including the assessment of risks of material misstatement of the financialstatements, whether due to fraud or error. In making those risk assessments, we consider internal control relevant to theInstitute’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriatein the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Institute’s internal control. Anaudit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimatesmade by the Council, as well as evaluating the overall presentation of the financial statements.We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.OpinionIn our opinion, the financial statements have been properly drawn up in accordance with the Financial Reporting Standards andthe Companies Act 1965 in Malaysia so as to give a true and fair view of the financial position of the Institute as of December 31,2009 and of its financial performance and cash flows for the financial year then ended.Report on Other Legal and Regulatory RequirementsIn accordance with the requirements of the Companies Act 1965 in Malaysia, we also report that in our opinion the accountingand other records and the registers required by the Act to be kept by the Institute have been properly kept in accordance withthe provisions of the Act.Other MattersThis report is made solely to the members of the Institute, as a body, in accordance with Section 174 of the Companies Act 1965in Malaysia and for no other purpose. We do not assume responsibility to any other person for the content of this report.SJ GRANT THORNTON(NO. AF: 0737)CHARTERED ACCOUNTANTSDATO’ N. K. JASANICHARTERED ACCOUNTANT(NO: 708/03/10(J/PH))Kuala LumpurApril 12, 201028

Institut Bank-Bank Malaysia Annual Report 2009Balance Sheet As At December 31, 2009Note 2009 2008RMRMPROPERTY, PLANT AND EQUIPMENT 5 5,248,966 5,683,899PREPAID LAND LEASE PAYMENTS 6 2,071,374 2,103,739INVESTMENT IN ASSOCIATE COMPANY 7 (a) 80,001 80,001CURRENT ASSETSReceivables 8 3,915,148 4,510,822Amount due from associate company 7 (b) 96,113 42,969Fixed deposits with licensed bank 3,637,400 10,737,400Cash and bank balances 472,230 946,743Total current assets 8,120,891 16,237,934CURRENT LIABILITIESPrepaid income 459,684 434,524Library deposits 116,480 113,380Payables 9 4,332,060 12,948,277Tax payable 3,162 10,142Total current liabilities 4,911,386 13,506,323NET CURRENT ASSETS 3,209,505 2,731,611TOTAL NET ASSETS 10,609,846 10,599,250FINANCED BY:-ACCUMULATED FUND (1,078,134) (1,088,730)LAUNCHING GRANTS 687,980 687,980(390,154) (400,750)SECURED ZERO COUPON BONDS 10 11,000,000 11,000,00010,609,846 10,599,250……………………………………………….TAN SRI DATO’ SERI AZMAN HASHIMChairman……………………………………………….DATO’ SRI ABDUL WAHID BIN OMARVice ChairmanThe accompanying notes form an integral part of the financial statements.29

Institut Bank-Bank Malaysia Annual Report 2009Income Statement For The Financial Year Ended December 31, 2009Note 2009 2008RMRMRevenue 11 24,264,370 28,725,079Personnel costs (5,056,538) (5,106,572)Depreciation (562,471) (671,222)Amortisation (32,365) (32,365)Operating expenses (18,589,466) (22,844,244)Surplus before taxation 12 23,530 70,676Taxation 13 (12,934) (21,488)Net surplus for the financial year 10,596 49,188……………………………………………….TAN SRI DATO’ SERI AZMAN HASHIMChairman……………………………………………….DATO’ SRI ABDUL WAHID BIN OMARVice ChairmanThe accompanying notes form an integral part of the financial statements.30

Institut Bank-Bank Malaysia Annual Report 2009Statement Of Changes In Equity For The Financial Year Ended December 31, 2009LaunchingAccumulatedGrants Fund TotalRM RM RMBalance at January 1, 2008 687,980 (1,137,918) (449,938)Net surplus for the financial year - 49,188 49,188Balance at December 31, 2008 687,980 (1,088,730) (400,750)Net surplus for the financial year - 10,596 10,596Balance at December 31, 2009 687,980 (1,078,134) (390,154)`The accompanying notes form an integral part of the financial statements.31

Institut Bank-Bank Malaysia Annual Report 2009Cash Flow Statement For The Financial Year Ended December 31, 2009Note 2009 2008RMRMCASH FLOWS FROM OPERATING ACTIVITIESSurplus before taxation 23,530 70,676Adjustments for:-Loss/(Gain) on disposal of property, plant and equipment (5,615) 5,744Depreciation 562,470 671,222Amortisation 32,365 32,365Interest income (82,009) (122,045)Interest expense 2,026 1,661Operating surplus before working capital changes 532,767 659,623Changes in working capital:-Receivables 595,674 (1,511,066)Payables (8,587,957) 9,995,326Cash (used in)/generated from operations (7,459,516) 9,143,883Interest received 82,009 122,045Interest paid (2,026) (1,661)Tax paid (19,914) (14,288)Net cash (used in)/generated from operating activities (7,399,447) 9,249,979CASH FLOWS FROM INVESTING ACTIVITIESAdvance to associate company (53,144) (684)Purchase of property, plant and equipment (133,103) (287,148)Proceeds from disposal of property, plant and equipment 11,181 5,989Net cash used in investing activities (175,066) (281,843)CASH AND CASH EQUIVALENTSNet changes (7,574,513) 8,968,136At beginning of financial year 11,684,143 2,716,007At end of financial year A 4,109,630 11,684,143NOTE TO CASH FLOW STATEMENTA. Cash and cash equivalents included in the cash flowstatement comprise the following balance sheet amounts:Fixed deposits with licensed bank 3,637,400 10,737,400Cash and bank balances 472,230 946,7434,109,630 11,684,143The accompanying notes form an integral part of the financial statements.32

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 20091. BASIS OF PREPARATION OF THE FINANCIAL STATEMENTSThe financial statements of the Institute have been prepared in accordance with the provisions of the CompaniesAct, 1965 and the Financial Reporting Standards issued by Malaysian Accounting Standards Board (“MASB”).2. FINANCIAL RISK MANAGEMENT POLICIESThe Institute’s financial risk management policy seeks to ensure that adequate financial resources are available forthe development of the Institute’s business whilst managing its risks. The Institute operates within guidelines thatare approved by the Council and the Institute’s policy is not to engage in speculative transactions.The main areas of financial risks faced by the Institute and the policy in respect of the major areas of treasuryactivity are set out as follows:(a)Credit riskThe credit risk is the potential for loss arising from failure of a counterparty to meet their contractualobligation.The Institute is not exposed to any significant credit risk.(b)Liquidity and cash flow risksThe Institute seeks to achieve a balance between certainty of funding even in difficult times for the marketsor the Institute and a flexible, cost-effective borrowing structure. This is to ensure that at the minimum, allprojected net borrowing needs are covered by committed facilities. Also, the objective for debt maturityis to ensure that the amount of debt maturing in any one year is not beyond the Institute’s means to repayand refinance.3. SIGNIFICANT ACCOUNTING POLICIES(a)Accounting conventionThe financial statements of the Institute have been prepared under the historical cost convention, unlessotherwise indicated in the other significant accounting policies.(b)Adoption of new and Revised Financial Reporting Standards (“FRS”)The following are the Standards and IC Interpretations that are not yet effective and have not been earlyadopted by the Institute:(1) Amendments to FRS 1 - First-time Adoption of Financial Reporting Standards. Amendmentsrelating to cost of an investment in a subsidiary, jointly controlledentity or associate(2) FRS 1 (#) - First-time Adoption of Financial Reporting Standards33

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(b)Adoption of new and Revised Financial Reporting Standards (“FRS”) (cont’d)The following are the Standards and IC Interpretations that are not yet effective and have not been earlyadopted by the Institute: (cont’d)(3) Amendments to FRS 2 - Share Based Payment. Amendments relating to vesting conditionsand cancellations(4) Amendments to FRS 2 (#) - Share Based Payment. Amendments relating to the scope of theStandard(5) FRS 3 (#) - Business Combinations(6) FRS 4 - Insurance Contracts(7) Amendment to FRS 5 - Non-current Assets Held for Sale and Discontinued Operations.Amendment relating to disclosures of non-current assets (ordisposal groups) classified as held for sale or discontinuedoperations(8) Amendments to FRS 5 (#) - Non-current Assets Held for Sale and Discontinued Operations.Amendments relating to the inclusion of non-current assetsclassified as held for distribution to owners in the standard(9) FRS 7 - Financial Instruments: Disclosures(10) Amendments to FRS 7 - Financial Instruments: Disclosures. Amendments relating tofinancial assets(11) FRS 8 - Operating Segments(12) Amendment to FRS 8 - Operating Segments. Amendment relating to disclosureinformation about segment assets(13) FRS 101 - Presentation of Financial Statements (Revised)(14) Amendment to FRS 107 - Statement of Cash Flows. Amendment relating to classification ofexpenditures on unrecognised assets(15) Amendment to FRS 108 - Accounting Policies, Changes in Accounting Estimates and Errors.Amendment relating to selection and application of accountingpolicies(16) Amendment to FRS 110 - Events After the Reporting Period. Amendment relating to reasonfor dividend not recognised as a liability at the end of the reportingperiod34

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(b)Adoption of new and Revised Financial Reporting Standards (“FRS”) (cont’d)The following are the Standards and IC Interpretations that are not yet effective and have not been earlyadopted by the Institute: (cont’d)(17) Amendment to FRS 116 - Property, Plant and Equipment. Amendment relating toderecognition of asset(18) Amendment to FRS 117 - Leases. Amendment relating to classification of leases(19) Amendment to FRS 118 - Revenue. Amendment relating to Appendix of this standard andrecognition and measurement(20) Amendment to FRS 119 - Employee Benefits. Amendment relating to definition, curtailmentand settlements(21) Amendment to FRS 120 - Accounting for Government Grants and Disclosure of GovernmentAssistance. Amendment relating to definition and governmentloan at a below – market rate of interest(22) FRS 123 - Borrowing Costs(23) Amendment to FRS 123 - Borrowing costs. Amendment relating to exclusion of incidentalcost to borrowing(24) Amendments to FRS 127 - Consolidated and Separate Financial Statements. Amendmentsrelating to cost of an investment in a subsidiary, jointly controlledentity or associate(25) FRS 127 (#) - Consolidated and Separate Financial Statements(26) Amendment to FRS 128 - Investment in Associates. Amendment relating to impairmentlosses in application of the equity method and the scope of thisstandard(27) Amendment to FRS 129 - Financial Reporting in Hyperinflationary Economies. Amendmentrelating to changing of terms used(28) Amendment to FRS 131 - Interests in Joint Ventures. Amendment relating to additionaldisclosure required for joint venture that does not apply FRS 131(29) Amendments to FRS 132 - Financial Instruments: Presentation.Amendments relating to puttable financial instruments(30) Amendment to FRS 134 - Interim Financial Reporting. Amendment relating to disclosure ofearnings per share35

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(b)Adoption of new and Revised Financial Reporting Standards (“FRS”) (cont’d)The following are the Standards and IC Interpretations that are not yet effective and have not been earlyadopted by the Institute: (cont’d)(31) Amendment to FRS 136 - Impairment of assets. Amendment relating to the disclosure ofrecoverable amount(32) Amendment to FRS 138 - Intangible assets. Amendment relating to recognition of anexpense(33) Amendments to FRS 138 (#) - Intangible assets. Amendments relating to the revision to FRS 3(34) FRS 139 - Financial Instruments: Recognition and Measurement(35) Amendment to FRS 140 - Investment Property. Amendment relating to inability to determinefair value reliably(36) IC Interpretation 9 - Reassessment of Embedded Derivatives(37) Amendments to - Reassessment of Embedded Derivatives. Amendments relating toIC Interpretation 9 (#) the scope of the IC and revision to FRS 3(38) IC Interpretation 10 - Interim Financial Reporting and Impairment(39) IC Interpretation 11 - FRS 2- Group and Treasury Share Transactions(40) IC Interpretation 12 (#) - Service Concession Arrangements(41) IC Interpretation 13 - Customer Loyalty Programmes(42) IC Interpretation 14 - FRS 119 - The Limit on a Defined Benefit Asset, Minimum FundingRequirements and their interaction(43) IC Interpretation 15 (#) - Agreements for the Construction of Real Estate(44) IC Interpretation 16 (#) - Hedges of a Net Investment in a Foreign Operation(45) IC Interpretation 17 (#) - Distribution of Non-cash Assets to OwnersAll the above Amendments, IC Interpretations and FRSs will be effective for accounting period beginning onor after January 1, 2010, other than FRS 8 and those marked with (#) which will be applicable to accountingperiod beginning on or after July 1, 2009 and July 1, 2010 respectively. The existing FRS 1, FRS 3, FRS 127as well as FRS 201 2004 will be withdrawn upon the adoption of the new requirements that take effect onJuly 1, 2010.36

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(b)Adoption of new and Revised Financial Reporting Standards (“FRS”) (cont’d)The following are the Standards and IC Interpretations that are not yet effective and have not been earlyadopted by the Institute: (cont’d)FRS 2, 3, 4, 5, 8, 120, 127, 128, 129, 131, 134, 138, 140, IC Interpretation 10, 11, 12, 13, 14, 15, 16 are notexpected to be relevant to the operations of the Institute. The Council anticipates that the other FRSs,Amendments to and IC Interpretations will be adopted in the annual financial statements of the Institute forthe financial year commencing January 1, 2010 and that the adoption of these revised FRSs, Amendmentsto FRS and IC Interpretations will have no material impact on the financial statements of the Institute in theperiod of initial application except for the following:FRS 7 Financial Instruments: DisclosuresFRS 7 and the consequential amendment to FRS 101 Presentation of Financial Statements require disclosureof information about the significance of financial instruments for the Institute’s financial position andperformance, the nature and extent of risks arising from financial instruments and the objectives, policiesand processes for managing capital.FRS 123 Borrowing Costs (Revised)FRS 123 (Revised) eliminates the option available under the previous version of FRS 123 to recognise allborrowing costs immediately as an expense. The Institute shall capitalise borrowing costs that are directlyattributable to the acquisition, construction or production of a qualifying asset as part of the cost of thatasset.(c)Significant accounting estimates and judgementsEstimates, assumptions concerning the future and judgements are made in the preparation of the financialstatements. They affect the application of the Institute’s accounting policies and reported amounts ofassets, liabilities, income and expenses, and disclosures made. They are assessed on an on-going basis andare based on experience and relevant factors, including expectations of future events that are believed tobe reasonable under the circumstances.The key assumptions concerning the future, and other key sources of estimation uncertainty as at thebalance sheet date, that have a significant risk of causing a material adjustment to the carrying amounts ofassets and liabilities within the next year are discussed below:(i)Depreciation of property, plant and equipmentProperty, plant and equipment are depreciated based on straight line basis over their estimateduseful lives. The Management estimated the useful lives of these assets to be within 3 to 50 years.Changes in the expected level of usage and technological developments could impact the economicuseful lives and the residual values of these assets, therefore future depreciation charges could berevised.37

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(c)Significant accounting estimates and judgements (cont’d)(ii)Deferred tax assetsDeferred tax assets are recognised for all recognised tax losses and unabsorbed capital allowancesto the extent that it is probable that future taxable profit will be available against which the lossesand capital allowances can be utilised. Significant management judgement is required to determinethe amount of deferred tax assets that can be recognised, based upon the likely timing and level offuture taxable profits together with future tax planning strategies.No deferred tax assets have been recognised as at balance sheet date.(iii)Impairment of assetsThe Institute assesses impairment at each balance sheet date by evaluating conditions specific tothe Institute that may lead to impairment of assets. Where an indication of impairment exists, therecoverable amounts of the assets are determined. Value-in-use calculations performed in assessingrecoverable amounts incorporate a number of key estimates.No impairment has been recognised in respect of assets.(d)Property, plant and equipmentProperty, plant and equipment are stated at cost less accumulated depreciation and impairment losses.Depreciation of property, plant and equipment is calculated using the straight line method to write offthe cost of property, plant and equipment over the estimated useful lives of the property, plant andequipment.The policy for the recognition and measurement of impairment losses is in accordance with Note 3(n).The principal annual rates of depreciation used are as follows:-Leasehold building 2%Office furniture and fixtures, equipment and electrical installation 15% - 33 1/3%Library books 20%Motor vehicles 20%Restoration cost relating to an item of property, plant and equipment is capitalised only if such expenditureis expected to increase the future benefits from the existing property, plant and equipment beyond itspreviously assessed standard of performance.Property, plant and equipment are written down to recoverable amount if, in the opinion of the Council,it is less than their carrying value. Recoverable amount is the net selling price of the property, plant andequipment i.e. the amount obtainable from the sale of an asset in an arm’s length transaction betweenknowledgeable, willing parties, less the costs of disposal.38

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(d)Property, plant and equipment (cont’d)The residual values, useful lives and depreciation method are reviewed at each year end to ensure thatthe amount, method and period of depreciation are consistent with previous estimates and the expectedpattern of consumption of the future economic benefits embodied in the items of property, plant andequipment.An item of property, plant and equipment is derecognised upon disposal or when no future economicbenefits are expected from its use or disposal. Any gain or loss arising on derecognition of the asset isincluded in the income statement in the financial year the asset is derecognised.(e)ReceivablesReceivables are carried at anticipated realisable value. All known bad debts are written off and specificallowance is made for debts which are considered doubtful of collection.(f)PayablesPayables are stated at cost which is the fair value of the consideration to be paid in future for goods andservices rendered.(g)Associate companyThe Institute treats associate company as those companies in which a long term equity interest of between20% and 50% is held and where the Institute exercises significant influence through managementparticipation.Investment in associate company is stated at cost less impairment losses. The policy for the recognition andmeasurement of impairment losses is in accordance with Note 3(n).Income is recognised only to the extent dividends are distributed from net unappropriated profits of theinvestee company.(h)Inventories of publicationThe inventories of publication are written off in the financial year incurred.(i)Revenue recognitionInterest income on fixed deposit and other operating income are accounted for on an accrual basis.Dividend income is recognised only to the extent dividends are distributed from net unappropriatedprofits of the investee company.39

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(j)Employee benefits(i)Short-term benefitsWages, salaries, bonuses and social security contributions are recognised as an expense in thefinancial year in which the associated services are rendered by employees of the Institute. Shorttermaccumulating compensated absences such as paid annual leave are recognised whenservices are rendered by employees that increase their entitlement to future compensatedabsences, and short-term non-accumulating compensated absences such as sick leave arerecognised when the absences occur.(ii)Defined contribution plansObligations for contributions to defined contribution plans such as the Employees ProvidentFund (EPF) are recognised as an expense in the income statement as incurred.(k)Income taxIncome tax on the profit or loss for the financial year comprises current and deferred tax. Current tax isthe expected amount of income taxes payable in respect of the taxable profit for the financial year and ismeasured using the tax rates that have been enacted at the balance sheet date.Deferred tax is provided for, using the liability method, on temporary differences at the balance sheet datebetween the tax bases of assets and liabilities and their carrying amounts in the financial statements. Inprinciple, deferred tax liabilities are recognised for all taxable temporary differences and deferred tax assetsare recognised for all deductible temporary differences, unused tax losses and unused tax credits to theextent that it is probable that future taxable profit will be available against which the deductible temporarydifferences, unused tax losses and unused tax credits can be utilised. Deferred tax is not recognised if thetemporary differences arise from goodwill or negative goodwill or from the initial recognition of an assetor liability in a transaction which is not a business combination and at the time of the transaction, affectsneither accounting profit nor taxable profit.Deferred tax is measured at the tax rates that are expected to apply in the financial year when the assetis realised or the liability is settled, based on tax rates that have been enacted or substantively enacted atthe balance sheet date. Deferred tax is recognised in the income statement, except when it arises from atransaction which is recognised directly in equity, in which case the deferred tax is also charged or crediteddirectly in equity, or when it arises from a business combination that is an acquisition, in which case thedeferred tax is included in the resulting goodwill or negative goodwill.(l)Cash and cash equivalentsCash comprises cash in hand and demand deposits. Cash equivalents are short-term and highly liquidinvestments which are readily convertible to known amounts of cash and which are subject to aninsignificant risk of changes in value.40

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(m)Financial instrumentsFinancial instruments carried on the balance sheet include cash and bank balances, investments, receivables,payables and borrowings. The particular recognition methods adopted are disclosed in the individualaccounting policy statements associated with each item.Financial instruments are classified as liabilities or equity in accordance with the substance of the contractualarrangement. Interest, dividends, gains and losses relating to a financial instrument classified as liability arereported as expense or income. Distributions to holders of financial instruments classified as equity arecharged directly to equity. Financial instruments are offset when the Institute has a legally enforceableright to set off the recognised amounts and intends either to settle on a net basis, or to realise the asset andsettle the liability simultaneously.(n)Impairment of assetsThe carrying values of assets are reviewed for impairment when there is an indication that the assets mightbe impaired. Impairment is measured by comparing the carrying values of the assets with their recoverableamounts. The recoverable amount is the higher of net realisable value and value in use, which is measuredby reference to discounted future cash flows. Recoverable amounts are estimated for individual assets, or ifit is not possible, for the cash generating unit.An impairment loss is charged to the income statement immediately, unless the asset is carried at revaluedamount. Any impairment loss of a revalued asset is treated as a revaluation decrease to the extent ofpreviously recognised revaluation surplus for the same asset.Subsequent increase in the recoverable amount of an asset is treated as reversal of the previous impairmentloss and is recognised to the extent of the carrying amount of the asset that would have been determined(net of amortisation and depreciation) had no impairment loss been recognised. The reversal is recognisedin the income statement immediately, unless the asset is carried at revalued amount. A reversal of animpairment loss on a revalued asset is credited directly to revaluation surplus. However, to the extent thatan impairment loss on the same revalued asset was previously recognised as an expense in the incomestatement, a reversal of that impairment loss is recognised as income in the income statement.(o)ProvisionsProvisions are recognised when the Institute has a present legal or constructive obligation as a result ofpast events, when it is probable that an outflow of resources will be required to settle the obligation, andwhen a reliable estimate of the amount can be made. Provisions are reviewed at each balance sheet dateand adjusted to reflect the current best estimate. Where the effect of the time value of money is material,the amount of a provision is the present value of the expenditure expected to be required to settle theobligation.41

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(p)Leases(i)ClassificationA lease is recognised as a finance lease if it transfers substantially to the Institute all the risks andrewards incidental to ownership. Leases of land and buildings are classified as operating or financeleases in the same way as leases of other assets and the land and building elements of a lease of landand building are considered separately for the purposes of lease classification. All leases that do nottransfer substantially all the risks and rewards are classified as operating leases with the followingexceptions:- Property held under operating leases that would otherwise meet the definition of aninvestment property is classified as an investment property on a property-by-propertybasis and, if classified as investment property, is accounted for as if held under a financelease; and- Land held for own use under an operating lease, the fair value of which cannot bemeasured separately from the fair value of a building situated thereon at the inceptionof the lease, is accounted for as being held under a finance lease, unless the building isalso clearly held under an operating lease.(ii)Finance Leases - the Institute as LesseeAssets acquired by way of hire purchase or finance leases are stated at an amount equal to the lowerof their fair values and the present value of the minimum lease payments at the inception of theleases, less accumulated depreciation and impairment losses. The corresponding liability is includedin the balance sheet as borrowings. In calculating the present value of the minimum lease payments,the discount factor used is the interest rate implicit in the lease, when it is practicable to determine;otherwise, the Institute’s incremental borrowing rate is used. Any initial direct costs are also addedto the carrying amount of such assets.Lease payments are apportioned between the finance costs and the reduction of the outstandingliability. Finance costs, which represent the difference between the total leasing commitments andthe fair value of the assets acquired, are recognised in the profit or loss over the term of the relevantlease so as to produce a constant periodic rate of charge on the remaining balance of the obligationsfor each accounting period.The depreciation policy for leased assets is in accordance with that for depreciable property, plantand equipment as described in Note 3(d).(iii)Operating Leases - the Institute as LesseeOperating lease payments are recognised as an expense on a straight-line basis over the term ofthe relevant lease. The aggregate benefit of incentives provided by the lessor is recognised as areduction of rental expense over the lease term on a straight-line basis.42

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)3. SIGNIFICANT ACCOUNTING POLICIES (cont’d)(p)Leases (cont’d)(iii)Operating Leases - the Institute as Lessee (cont’d)In the case of a lease of land and building, the minimum lease payments or the up-front paymentsmade are allocated, whenever necessary, between the land and the building elements in proportionto the relative fair values for leasehold interests in the land element and building element of thelease at the inception of the lease. The up-front payment represents prepaid lease payments and isamortised on a straight-line basis over the lease term.(iv)Leased Assets - the Institute as LesseeLeasehold land that normally has an indefinite economic life and title is not expected to pass to theInstitute by the end of the lease term is treated as operating lease. The payment made on enteringinto or acquiring a leasehold land is accounted for as prepaid land lease payment and is amortisedover the lease term on a straight-line basis.(q)Prepaid incomeRevenue involved when risks and ownership on the services have not been rendered at balance sheet dateis recognised as prepaid income.4. PRINCIPAL ACTIVITIES AND GENERAL INFORMATIONThe Institute’s principal activities are aimed at enhancing the professionalism of the workforce in the financialservices industry in Malaysia by upgrading their competencies through the provision of industry-focusedqualifications and training programmes.There have been no significant changes in these activities during the financial year.The Institute is a company limited by guarantee incorporated and domiciled in Malaysia. The registered office ofthe Institute is located at Wisma IBI, 5, Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur.The financial statements of the Institute were authorised for issue by the Council in accordance with a resolution ofthe Council dated April 12, 2010.43

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)5. PROPERTY, PLANT AND EQUIPMENTOffice furniture andLong-term fixtures, equipmentleasehold and electrical MotorCost building installation Library books vehicles TotalRM RM RM RM RMAt January 1, 2008 6,850,946 3,796,813 11,685 431,202 11,090,646Additions - 282,412 - 4,736 287,148Disposals - (33,707) - (3,985) (37,692)At December 31, 2008 6,850,946 4,045,518 11,685 431,953 11,340,102Additions - 133,103 - - 133,103Disposals - (16,696) - - (16,696)At December 31, 2009 6,850,946 4,161,925 11,685 431,953 11,456,509Accumulated depreciationAt January 1, 2008 1,738,717 3,042,454 11,685 218,084 5,010,940Charge for the financial year 137,019 447,812 - 86,391 671,222Disposals - (22,771) - (3,188) (25,959)At December 31, 2008 1,875,736 3,467,495 11,685 301,287 5,656,203Charge for the financial year 137,019 339,060 - 86,391 562,470Disposals - (11,130) - - (11,130)At December 31, 2009 2,012,755 3,795,425 11,685 387,678 6,207,543Net book valueDecember 31, 2009 4,838,191 366,500 - 44,275 5,248,966December 31, 2008 4,975,210 578,023 - 130,666 5,683,899Depreciation 2008 137,019 447,812 - 86,391 671,222The building is pledged and held by a Trust for zero coupon bonds issued as per Note 10 to the financialstatements.44

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)6. PREPAID LAND LEASE PAYMENTS2009 2008RMRMAt January 1 2,103,739 2,136,104Amortisation:-Current financial year (32,365) (32,365)At December 31 2,071,374 2,103,739Analysed as:-Long-term leasehold land 2,029,299 2,061,017Short-term leasehold land 42,075 42,7222,071,374 2,103,739The leasehold land is pledged and held by a Trust for zero coupon bonds issued as per Note 10 to the financialstatements.7. ASSOCIATE COMPANY(a)Investment in associate company2009 2008RMRMUnquoted shares, at cost 80,001 80,001The associate company incorporated in Malaysia is as follows:-Name of company % of equity Principal activity2009 2008Akademi IBBM Sdn. Bhd. 40 40 Provision of private higher educationIf the equity method of accounting had been applied, the carrying amount of investment in associatecompany would have been as follows:-Investment in associate company:-2009 2008RMRMAt costShare of post-acquisition (loss)/profit 80,001 80,001(19,489) 3,492Represented by:-60,512 83,493Share of net tangible assets 60,512 83,493(b)The amount due from associate company is unsecured, interest free and has no fixed term of repayment.45

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)8. RECEIVABLES2009 2008RMRMTrade receivables 3,803,292 4,420,616Other receivables, deposits and prepayments 111,856 90,2063,915,148 4,510,8229. PAYABLES2009 2008RMRMTrade payables 988,892 3,572,580Other payables 3,343,168 9,375,6974,332,060 12,948,27710. SECURED ZERO COUPON BONDSThe bonds are secured by way of a fixed charge over the land and building purchased and a floating charge overthe assets of the Institute.These bonds, issued on December 10, 1992, carry a 30-year maturity period which is subject to further extensionor early redemption by the Institute at par.11. REVENUEThis consists of course fees, subscription fees, examination fees, interest income and other income received/receivable.12. SURPLUS BEFORE TAXATIONSurplus before taxation is determined after charging/(crediting) amongst other items the following:-2009 2008RMRMAmortisation 32,365 32,365Audit fee 14,000 14,000Depreciation 562,471 671,222Office rental 72,288 80,790Interest expense 2,026 1,661(Gain)/Loss on disposal of property, plant and equipment (5,615) 5,744Interest on fixed deposits (82,009) (122,045)Rental income (12,157) (3,924)46

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)13. TAXATION2009 2008RMRMCurrent financial year provision 12,934 21,487Overprovision of taxation in prior financial year - 112,934 21,488The provision for taxation of the Institute for the current financial year is determined by applying the Malaysiantax rates on the chargeable income.A reconciliation of income tax expense on surplus before taxation with the applicable statutory income tax rate isas follows:-2009 2008RMRMSurplus before taxation 23,530 70,676Income tax at rate of 24%/26% 5,647 18,376Tax effect in respect of:Non-allowable expenses 18,310 58,421Income not subject to tax (1,348) (32,752)Tax savings as a result of taxable income taxed at lower rates (9,675) (7,558)Deferred taxation not recognised in the financial statements - (15,000)12,934 21,487Overprovision of taxation in prior financial year - 1Total tax expense 12,934 21,488Unutilised tax losses carried forward subjectto agreement of Inland Revenue Board 1,066,714 1,067,000Unabsorbed capital allowances carried forwardsubject to agreement of Inland Revenue Board 3,847,483 4,342,000As at December 31, 2009, the estimated amount of deferred tax assets calculated at current tax rate which has notbeen recognised in the Institute’s financial statements is as follows:-2009 2008RMRMCarrying amount of property, plant andequipment in excess of their tax base (1,121,000) (1,280,000)Unutilised tax losses 256,000 277,000Unabsorbed capital allowances 923,000 1,129,000Deferred tax assets 58,000 126,000Deferred tax assets have not been recognised in respect of these items as they may not be used to offset taxablesurplus of the Institute and it is not probable that taxable surplus will be available against which the deductibletemporary differences can be utilised.47

Institut Bank-Bank Malaysia Annual Report 2009Notes To The Financial Statements - December 31, 2009 (cont’d)14. EMPLOYEES INFORMATIONThe number of employees of the Institute at the end of the financial year was 63 (2008: 73).15. FINANCIAL INSTRUMENTS(a)Interest rate riskThe interest rate risk that financial instruments’ values will fluctuate as a result of changes in market interestrates and the effective average interest rates on classes of financial assets and financial liabilities, are asfollows:-2009 RMNot more than Effective interest rates1 year during the financial yearFinancial assets and liabilitiesFixed deposits with licensed bank 3,637,400 1.80% - 3.00%2008Financial assets and liabilitiesFixed deposits with licensed bank 10,737,400 2.50% - 3.00%(b)Credit riskThe maximum credit risk associated with recognised financial assets is the carrying amounts shown in thebalance sheet.The Institute has no significant concentration of credit risk with any single counterparty. In respect ofinvestment in cash, the policy is to transact with financial institutions that have at least a short termcounterparty rate.(c)Fair valuesThe carrying amounts of financial assets and liabilities of the Institute at the balance sheet date approximatedtheir fair values.48

Institut Bank-Bank Malaysia Annual Report 2009Supplementary Income Statement For The Financial Year Ended December 31, 2009REVENUE2009 2008RMRMContinuing Professional Development programmes 13,423,022 14,455,106Gain on disposal of property, plant and equipment 5,615 -General banking qualifications 4,551 7,847Interest on fixed deposits 82,009 122,045Information centre 1,275 1,523Membership 1,190,910 1,306,831Publications 133,453 140,797Rental income 12,157 3,924Specialist qualifications 1,410,946 1,486,616Subsidies from the Staff Training Fund 8,000,000 11,200,000Sundry income 432 390EXPENDITURE24,264,370 28,725,079Amortisation 32,365 32,365Assessment and quit rent 62,861 62,861Audit fee 14,000 14,000Branch activities 16,592 46,030Building maintenance 213,831 231,323Building management 21,609 21,609Business development 257,217 805,290Continuing Professional Development programmes 16,193,064 19,468,382Depreciation 562,471 671,222General banking qualifications 2,633 25,641Graduation ceremony 164,375 172,230Information centre 48,709 40,180Interest expense 2,026 1,661Loss on disposal of property, plant and equipment - 5,744Loss on foreign exchange 2,192 -Membership 220,024 428,679Office and administration expenses 635,146 810,341Office rental 72,288 80,790Personnel costs 5,056,538 5,106,572Professional fees 203,360 32,648Publications 77,342 176,042Specialist qualifications 382,197 420,79324,240,840 28,654,403SURPLUS BEFORE TAXATION 23,530 70,67649

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIBBM Institutional Members as at December 31, 2009RegulatorsBank Negara MalaysiaLabuan Offshore Financial Services Authority 1Commercial Banks / Banking and Finance CompaniesAffin Bank BerhadAlliance Bank Malaysia BerhadAmbank (M) BerhadBangkok Bank BerhadBank of America Malaysia BerhadBank of Tokyo-Mitsubishi UFJ (Malaysia) BerhadCIMB Bank BerhadCitibank BerhadDeutsche Bank (Malaysia) BerhadEON Bank BerhadHong Leong Bank BerhadHSBC Bank Malaysia BerhadJ. P. Morgan Chase Bank BerhadMalayan Banking BerhadOCBC Bank (Malaysia) BerhadPublic Bank BerhadRHB Bank BerhadStandard Chartered Bank Malaysia BerhadThe Bank of Nova Scotia BerhadThe Royal Bank of Scotland BerhadUnited Overseas Bank (Malaysia) BhdIslamic BanksAffin Islamic Bank BerhadAl Rajhi Banking & Investment Corporation (Malaysia) BerhadBank Islam Malaysia BerhadBank Muamalat Malaysia BerhadCIMB Islamic Bank BerhadEONCAP Islamic Bank BerhadKuwait Finance House (Malaysia) BerhadRHB Islamic Bank BerhadInvestment BanksAffin Investment Bank BerhadAlliance Investment Bank BerhadAmInvestment Bank BerhadCIMB Investment Bank BerhadHwangDBS Investment Bank BerhadMaybank Investment Bank BerhadMIMB Investment Bank BerhadOSK Investment Bank BerhadPublic Investment Bank BerhadRHB Investment Bank BerhadDevelopment Financial InstitutionsBank Kerjasama Rakyat Malaysia BerhadBank Pembangunan Malaysia BerhadBank Perusahaan Kecil & Sederhana Malaysia BerhadCredit Guarantee Corporation Malaysia BerhadExport-Import Bank of Malaysia BerhadMalaysian Industrial Development Finance BerhadSabah Development Bank BerhadMoney BrokersAffin Moneybrokers Sdn BhdAmanah Butler Malaysia Sdn BhdFirst TAZ Tradition Sdn BhdForex Enterprise Sdn BhdHarlow’s & MGI Sdn BhdKAF-Astley & Pearce Sdn BhdLabuan Offshore BanksABN AMRO Bank N.V., Labuan Branch 2AmInternational (L) LtdBNP Paribas, Labuan BranchCIMB Bank (L) LimitedCity Credit Investment Bank LimitedEuropean Credit Investment Bank LtdMaybank International (L) LtdOversea-Chinese Banking Corporation LimitedPublic Bank (L) LtdRHB Bank (L) LtdThe Hongkong and Shanghai Banking Corporation LimitedLabuan Offshore Trust CompaniesEC Trust (Labuan) BhdEquity Trust (Labuan) LimitedNoblehouse International Trust LtdShearn Skinner Trust Company LtdOther Finance-Related InstitutionsAgensi Kaunseling Dan Pengurusan KreditCagamas Berhade2 Power Sdn BhdFinancial Mediation BureauiCIMB (Malaysia) Sdn BhdMalaysia Building Society BerhadMalaysia Debt Ventures BerhadPerbadanan Insurans Deposit MalaysiaScope International (M) Sdn BhdFootnote:1. Effective February 11, 2010, Labuan Offshore Financial Services Authority has been renamed Labuan Financial Services Authority (Labuan FSA)2. Effective March 8, 2010, ABN AMRO Bank NV., Labuan Branch has been renamed The Royal Bank of Scotland N.V., Labuan Branch50

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009LifeMembership No.Abdul Aziz Taha, Tan Sri Dato’, FIBM(L) 20065Ahmad Mohd Don, Tan Sri Datuk, FIBM(L) 158485Ali Abul Hassan bin Sulaiman, Tan Sri Dato’ Seri, FIBM(L) 304418FellowMembership No.Abdul Aziz bin Omar, Dato’ Tn Hj, FIBM 181131Abdul Halim Haji Ismail, Dato’ Dr, FIBM 305169Abdul Hamidy bin Abdul Hafiz, Dato’ Sri, FIBM 40352Abdul Latiff Abdul Rahim, FIBM 8052Albert Yeoh Beow Tit, Dato’, FIBM 307964Amirsham A Aziz, Tan Sri Datuk, FIBM 300689Azlan bin Hashim, Dato’ Haji, FIBM 168948Azman Hashim, Tan Sri Dato’ Seri, FIBM 82842Calvert, John, FIBM 5181Cameron, Peter Anthony, FIBM 135913Cheah Tek Kuang, FIBM 307966Chia, Yvonne, FIBM 307973Choi Siew Hong, FIBM 5165Darwis bin Mohd Daek, Dato’ Haji, FIBM 181149Hague, Michael Andrew, FIBM 307969Fong Weng Phak, Dato’, FIBM 158527Goh Eng Toon, Dato’ Seri, FIBM 203190Green, Neville Harrison, Datuk, FIBM 16832Hooi Lai Hoong, FIBM 307967Huang Sin Cheng, Dato’, FIBM 307960Ismail Zakaria, Datuk Haji, FIBM 158477Kamal Batcha bin Dawood Sultan, FIBM 309566Kamarul Ariffin Mohamed Yassin, Tan Sri, FIBM 5132Khairil Anuar Abdullah, FIBM 305170Khor Yuen Hock, Sonny, FIBM 25965Kung Beng Hong, FIBM 194654Lee K K Douglas, Dato’, FIBM 143933Lin See Yan, Tan Sri Dato’ Dr, FIBM 82834Manharlal a/l Ratilal, FIBM 307968Mohamed Azman bin Yahya, Dato’, FIBM 307965Mohamed Azmi bin Mahmood, Datuk, FIBM 307970Mohamed Basir bin Ahmad, Tan Sri Dato’, FIBM 223131Mohamed Nazir bin Abdul Razak, Dato’ Sri, FIBM 504883Mohd Razif bin Abd Kadir, Dato’, FIBM 504742Mohd Salleh bin Haji Harun, Dato’, FIBM 307961Mohd Taufik bin Dato’ Abdullah, Dato’, FIBM 143941Moir, David G, FIBM 168914Nik Awang @ Wan Azmi bin Wan Hamzah, Tan Sri, FIBM 135939Nor Mohamed bin Yakcop, Tan Sri, FIBM 223149Ooi Sang Kuang, Dato’, FIBM 504077Raja Aman bin Raja Ahmad, Dato’ Seri, FIBM 158493Raja Lope bin Raja Shahrome, Dr, FIBM 305167Rajandram a/l Chellappah, Tan Sri Datuk, FIBM 307971Ramly bin Ahmad, Datuk, FIBM 223172Syed Ahmad Idid bin Abdullah Idid, Dato’, FIBM 96651Tan Teong Hean, Tan Sri Dato’, FIBM 158501Tay Ah Lek, Tan Sri Dato’ Sri, FIBM 305166Teh Hong Piow, Tan Sri Dato’ Sri Dr, FIBM 143917Thillainathan, R, Dato’ Dr, FIBM 158535Thong Yaw Hong, Tan Sri Dato’, FIBM 243725Tunku Abdul Malek Tunku Kassim, Dato’, FIBM 223164Tunku Shahriman bin Tunku Sulaiman, Tan Sri, FIBM 5157Wan Ismail Abdul Rahman, Dato’, FIBM 307972Wilson, Ian Ramsay, FIBM 194662Yoong Yan Pin, FIBM 82875Zain Mahmud bin Hashim, Jen(B) Tan Sri Dato’, FIBM 243733Zamani bin Abdul Ghani, Dato’, FIBM 307962Zeti Akhtar Aziz, Tan Sri Dato’ Sri Dr, FIBM 305168Associate FellowMembership No.Aziz Anuar, Tn Hj, FIBM(Assoc) 305175Chin Chee Kee, FIBM(Assoc) 307974Choo Kah Hoe, Dato’, FIBM(Assoc) 263814Choo Yoo Kwan @ Choo Yee Kwan, FIBM(Assoc) 138032Ding Lai Hong, FIBM(Assoc) 174904Kasinathan a/l T. Kasipillai, FIBM(Assoc) 306636Lee Mei Pheng, Dr, FIBM(Assoc) 305171Lim Teck Ling, FIBM(Assoc) 181578Lim Yew Meng, FIBM(Assoc) 305174Louise Paul s/o Joseph Paul, FIBM(Assoc) 91116Muhammad bin Ibrahim, Dato’, FIBM(Assoc) 110635Nor Shamsiah binti Mohd Yunus, FIBM(Assoc) 504076Norzila binti Abdul Aziz, FIBM(Assoc) 305801Philip Tan Puay Koon, FIBM(Assoc) 307975Satwant Kaur, FIBM(Assoc) 129726Soong Hoe Seng, FIBM(Assoc) 302204Tan Liong Tong, FIBM(Assoc) 305173Tang Kean Onn, FIBM(Assoc) 307976Wan Kamaruzaman Wan Ahmad, FIBM(Assoc) 307977Wang Kuo Shing, FIBM(Assoc) 305172Zainal Abidin bin Hj Mohamed, Datuk, FIBM(Assoc) 500740MemberMembership No.A Fillomina Joseph, MIBM 307565Abd Rani bin Lebai Jaafar, Haji, MIBM 132191Abdul Aziz bin Abu Samah, MIBM 19893Abdul Aziz bin Ismail, MIBM 9779Abdul Karim bin Hassan, MIBM 5090Abdul Khalil bin Abdul Hamid, MIBM 165506Abdul Latif bin Hashim, MIBM 47951Abdul Malek bin A Rahman, MIBM 307441Abdul Malek bin Mohd Khair, MIBM 132209Abdul Malik bin Sikkandar, MIBM 500014Abdul Raif bin Shaari, MIBM 154070Abdul Razak bin Gulam, MIBM 182444Abdul Salam L. W. bin Abdullah, MIBM 177071Abdullah bin Embong, MIBM 69138Abu Bakar bin Abdul Rahman, MIBM 99150Achhinda Singh Rakhra, MIBM 260570Adelaine Lok Yan Cheng, MIBM 310172Affendy bin Abdul Razak, MIBM 262766Agnes d/o K Ambrose, MIBM 61192Agos bin Hj Cholan, MIBM 168443Ahmad bin Abdul Rahman, MIBM 1289Ahmad bin Ibrahim, Dato’, MIBM 301861Ahmad Fathi bin Munawar, MIBM 27888Ahmad Salmi bin Siteh, MIBM 305508Ahmad Shafruddin bin Arshad, MIBM 30788851

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Aidi bin Ahmad, MIBM 505582Aimi Zulhazmi bin Abdul Rashid, MIBM 312160Akbar bin Mohamad, MIBM 137281Alban Joseph Aeria, MIBM 35147Alee bin Zainol, MIBM 308236Alexander Augustine Druce, MIBM 303404Alexander Chieng Siong Huo, MIBM 262840Alexander Gordon Crocker, MIBM 304215Aliman bin Ali, MIBM 90779Amy Tan, MIBM 309327Ananda Jagadish, MIBM 97444Andrew Teoh Kok Aun, MIBM 170167Andy Noel Bonchol, MIBM 306409Ang Chai Ming, MIBM 59634Ang Kah Wai, MIBM 148551Ang Leong Chin, MIBM 72744Ang Seng Jin, MIBM 133538Ang Soon Lai, MIBM 118158Ang Suan York, MIBM 15164Ang Wee Huat, MIBM 166322Angeline Chan Mei Leng, MIBM 189662Angus Salim bin Salleh Amran, MIBM 501962Ann Sheela Pereira M L Pereira, MIBM 199315Annandan s/o Chandran, MIBM 100677Anthony Hau Ying Chin, MIBM 502186Asokkumar a/l Subramaniam, MIBM 311067Attan Akmar bin Masbah, MIBM 91439Au Weng Sang, MIBM 187336Au Yeong How, MIBM 308126Aw Tai Chang, MIBM 5876Ayesha Natchiar binti Ally Maricar, MIBM 23424Ayub bin Mohd Yusof, MIBM 39982Azam bin Azman, MIBM 235093Azhar bin Abdullah, MIBM 152785Azidy bin Daud, MIBM 311245Aziyah binti Omar, MIBM 305117Azman bin Awang, MIBM 307620Azman bin Sisek @ Bachok, MIBM 310286Azrina binti Abdul Hamid, MIBM 308933Bacil Fernandez, MIBM 308958Badariah binti Hj Othman, MIBM 303927Balakrishnan s/o Nalliah, MIBM 21246Basant Bala Raj Kumar Sharma, MIBM 136549Beh Chi How, MIBM 236737Behil @ Bian Anak Turat, MIBM 306098Benjamin Lee, MIBM 304549Bernadette Sun Fui Ling, MIBM 309326Bharathan a/l KK Gopalan, MIBM 147439Boey Chin Weng, MIBM 305792Bong Jin Fah, Peter, MIBM 308821Boobal d/o Meyappa Pillai, Dr, MIBM 85027Brenda Ong Ling Ling, MIBM 256859Bridget Chung Li Wan, MIBM 310976C Vasandakumary a/p M V Nair, MIBM 219865Ch’ng Joo Guan, MIBM 60665Chai Ching Beng, MIBM 68858MemberMembership No.Chai Pit Fung @ Choy Pit Fung, MIBM 185975Chai Sue May, MIBM 303300Chai Yong Fah, MIBM 113779Cham Poh Kim, Theresa, MIBM 97097Chan Boon Ai, MIBM 92247Chan Chee Kuang, MIBM 156208Chan Cheng Yee, MIBM 18Chan Choo Meng, MIBM 32110Chan Choo Seng, MIBM 135699Chan Chut Lweng, MIBM 306393Chan Heng Leong, Christopher, MIBM 308203Chan Hock Chai, MIBM 83964Chan Hon Thiam, MIBM 5660Chan Hong Lye, MIBM 13656Chan Jin Ho, Aaron, MIBM 306513Chan Keng Wee, MIBM 63198Chan Kok Kwai, Eddie, MIBM 140186Chan May Kuen, MIBM 78303Chan Mun Chee, MIBM 88005Chan Peng Kheong, Joseph, MIBM 57539Chan Poh Yee, MIBM 302383Chan Say Earn, MIBM 120766Chan Seck Yee, MIBM 59717Chan See Thin, MIBM 243121Chan Siew Oon, MIBM 164004Chan Tat Hoe, MIBM 83287Chan Tze Leong @ Albert Chan, MIBM 302791Chan Yin Lan, MIBM 108233Chan Yoke Yin, MIBM 310464Chan Yoong Keong, MIBM 175547Chang Chee Keong, MIBM 1172Chang Chiew Fatt, Alexander, MIBM 302634Chang Kok Aun @ Chong Kok Aun, MIBM 308992Chang Lee Hing, MIBM 255885Chang Shieh Yun, Susie, MIBM 308654Chang Wing Hoh, MIBM 310968Chang Yun Loi, MIBM 131128Charles Francis Donough, MIBM 135236Chaw Kum Chuan, MIBM 187393Che Sow Fong, MIBM 131367Cheah Chee Fong, MIBM 255901Cheah Eng Huat, MIBM 158006Cheah Kim Kee, MIBM 189688Cheah Li Ming, MIBM 264028Cheah Siak Keong, MIBM 117762Cheah Sin Cheung, MIBM 309582Cheah Wee Leong, MIBM 310264Cheah Yoke Loong, MIBM 34355Cheam Chong Jin, MIBM 117093Chee Fail Chuan, MIBM 44909Chee Hong Seng, MIBM 302381Chee Kok How, MIBM 24737Chee Ling Yee, Michelle, MIBM 253591Chek Poo Yeng, MIBM 65078Chen Fun Teck, MIBM 311110Chen Pik Har, MIBM 10606252

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Chen Siew Lan, MIBM 32078Chen Thien Yan, MIBM 20099Chen Wing Loong, MIBM 118836Cheng Ah Kow, MIBM 10900Cheng Mei Mei, MIBM 232249Cheng Siew Im, MIBM 70177Cheng Wai Kok, MIBM 304634Cheong Chee Yun, MIBM 138503Cheong Keng Soon, MIBM 32763Cheong Siew Mae, MIBM 161265Cheong Sun Weng, MIBM 58008Cheong Yip Choon, MIBM 13664Cher Nam Tat, MIBM 308004Cheryl Wang Yun Ni, MIBM 312822Chew Chee Way, MIBM 300163Chew Cheng Chan, MIBM 21691Chew Chin Kee, MIBM 3137Chew Hui Giap, MIBM 304775Chew Khuan Yin, MIBM 304520Chew Mei Lean, MIBM 233676Chew Yok Lee, MIBM 307315Chia Chiang Hua, MIBM 106393Chia Kiang Por, MIBM 123596Chia Kok Fung, MIBM 101493Chia Kon Tai, MIBM 123612Chia Swee Yuen, MIBM 186023Chiam Chiau Hiong, MIBM 36830Chiam Yok Meng, MIBM 173799Chieng Kiat Seng, MIBM 47555Chieng Tai Ming, Rose, MIBM 307651Chieng Yew Hoon, MIBM 166041Chim Weng Kong, MIBM 195420Chin Beng Keat, Stephen, MIBM 175034Chin Chai Yin, MIBM 214890Chin Chee Meng, Stephen, MIBM 199935Chin Geok Fui, MIBM 308934Chin Jia Hwan, MIBM 224493Chin Khi Hein, MIBM 37200Chin Khon Min, MIBM 137349Chin Nyuk Sang, MIBM 247668Chin Pin Pin, MIBM 260562Chin See Siong, MIBM 113670Chin Yee Tshin, Katherine, MIBM 160663Chin, Bernadette, MIBM 139030Ching Kim Pua, MIBM 248047Chong Hon Min, MIBM 152835Chong Lee Kian, MIBM 249680Chong Mui Eng, MIBM 117242Chong Nyuk Chu, MIBM 115592Chong Siew Yueh, MIBM 206920Chong Wei Kwang, MIBM 219212Chong Yin Leng, MIBM 175299Choo Cheow Piew, MIBM 148320Choo Choon Thong, MIBM 102806Choo Chuan Hsiung, MIBM 304258Choo Kam Leng, MIBM 148627MemberMembership No.Choo Lay Hwa, MIBM 88054Choo Wan San, MIBM 302541Choo Weng Leong, MIBM 121780Choo, Jimmy, MIBM 23184Choong Meng Keat, MIBM 60053Choong Sung Yean, MIBM 77321Choong Yong Choo, MIBM 153197Chow Kam Hong, MIBM 123117Choy Kin Mun, MIBM 303825Christopher a/l Albert, MIBM 208561Christopher Ignatius Danker, MIBM 83170Chua Been Tiong, MIBM 69286Chua Chai Hoon, MIBM 263574Chua Chee Seng, MIBM 308101Chua Chew Soong, MIBM 179887Chua Chiang Huah, MIBM 70011Chua Chin Heng, MIBM 262873Chua Fong Lian, MIBM 184101Chua Khain Weo, MIBM 307458Chua Long Juay, MIBM 310337Chua Seok Cheng, MIBM 44677Chua Teck Meng, MIBM 166355Chua Teong Heng, MIBM 55483Chuah Ean Quan, MIBM 11627Chuah Lih Lin, Grace, MIBM 133603Chuah Lye Hock, MIBM 131730Chung Soon Heng, Benjamin, MIBM 228247Chung Thau Yin, MIBM 48108Chye Swee Teck, James, MIBM 44180Danial Mah bin Abdullah, MIBM 308653Darnailu s/o Apparavu, MIBM 48280Davamanidavy S. Kanapath, MIBM 209536David Ang Ng Wee, MIBM 71357David s/o T Anthonysamy, MIBM 50989David Sivapatham, MIBM 307639Dayang Dewi binti Bujang, MIBM 118315Dayang Kamariah binti Datu Bistari, MIBM 307564Debra Veronica Carvalho, MIBM 156729Devi M J Lourdes, MIBM 76810Ding Chew Loong, MIBM 54650Donald Joshua Jaganathan, MIBM 111948Dorupati d/o Dayomal, MIBM 130294Drahman bin Jaladin, MIBM 165910Dunstan Dominic a/l V Augustine, MIBM 307114Dzuljastri bin Abd Razak, MIBM 35105Ee Kow Keang, MIBM 123281Elaine Gan Ai Wah, MIBM 307507Elongoven A/L Loganathan, MIBM 304759Emily Rolanda Yong, MIBM 219477Eng Cheow Hoon, MIBM 308074Eng Hong Im, MIBM 309087Eng Hup Huat, MIBM 43406Ewe Soon Tatt, MIBM 240507Fabian Teo Hock Chye, MIBM 304722Fairbarns s/o R Anthony Manis, MIBM 155986Fam Swee Kong, MIBM 19544653

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Fan May Sze, MIBM 306389Fan Ping Jao, MIBM 92981Fauzanita Rathi Ishak, MIBM 312997Felix Leong, MIBM 307172Fong Chee Choong, MIBM 501518Fong Chee Wai, MIBM 175398Fong Hon Meng, MIBM 183129Fong Poh Leong, MIBM 6056Fong Sek Aun, MIBM 82594Fong Wai Han, MIBM 158618Foo Chee Thong, MIBM 18713Foo Kok Thye, MIBM 305834Foo Lee Mee, MIBM 214940Foo Meng Heng, MIBM 309220Foo Suan Chit, MIBM 36889Foo Yen Shieng, MIBM 247122Foong Chee Keong, MIBM 12815Foong Yew Heng, MIBM 302277Francis Jacob Pereira, MIBM 213983Gan Eng Thiam, MIBM 82263Gan Hong Kiang, MIBM 62141Gan Kim Hock, MIBM 101063Gan Kok Cheng, MIBM 208108Gan Kong Joo, MIBM 13300Gan Swee Ming, MIBM 80721Gan Yok Chuan, MIBM 250878Garry Leeds anak Michael, MIBM 306249Gary Chan Jin Liang, MIBM 163493Gaun anak Lading, MIBM 166546Gerard Majella D Lawrence, MIBM 44842Ghan Chee Kong, MIBM 249417Ghan Chee Tong, MIBM 76158Goh Ching Ai Jinai, MIBM 9738Goh Ching Chee, MIBM 28944Goh Kah Seng, MIBM 24448Goh Kee Boon, MIBM 3103Goh Kim Boon, MIBM 48132Goh Lay Yong, MIBM 86496Goh Mei Kwang, MIBM 92593Goh Ming Lee, MIBM 310327Goh Pek Hiong, MIBM 302412Goh Poh Cheng, MIBM 43315Goh Suw Kim, MIBM 308035Goh Thye Soon, MIBM 14498Gopala Krishnan s/o Manickam, MIBM 16196Gurdev Singh, MIBM 92544Gurdip Kaur a/p Bhajan Singh, MIBM 17905Ha Kim Chen, MIBM 64428Haja Najmuddeen Mohd Mydin, MIBM 23622Haleelur Rahman Abdul Gaffoor, MIBM 140889Hamidah binti Osman, MIBM 311285Han Ai Le, MIBM 175323Haslinda Lim binti Abdullah, MIBM 45419Hasrul bin Hasan, MIBM 314427Hei Lee Hoon, MIBM 86066Helen Thor Poh Sim, MIBM 30643MemberMembership No.Helmee bin Othman, MIBM 501012Helmy Had bin Sabtu, MIBM 206763Heng Ek Hiang @ Betty Heng, MIBM 58248Henry Tan Khoon Seng, MIBM 504109Herbert Basin anak Nyirop, MIBM 313388Hii Hiong Ning, Shelia, MIBM 211433Hii Hiong Tin, Maria, MIBM 240978Hii Lay Hee, MIBM 150896Hii Souk Ping, MIBM 304316Hii Tiong Hock, MIBM 300196Hii Wei Nguong, Alexander, MIBM 305823Ho Foo Chin, MIBM 308764Ho King Min, MIBM 71704Ho Kok Wai, MIBM 31633Ho Lai Sin, MIBM 155630Ho Lian Teck, MIBM 12922Ho Mei Teen, MIBM 44545Ho Siew Loon, MIBM 39735Ho Siew Yoot, MIBM 18614Ho Swee Lum, Zelie, MIBM 302799Ho Wai Yin, MIBM 194175Ho Yeap Sim, MIBM 92353Hoh Teck Meng, MIBM 183152Hong Ching Hoak, MIBM 306673Hong Tuck Weng, MIBM 310040Hoo Kie Teh, MIBM 181453Hooi Lai Fun, MIBM 129981Hor Kam Peng, MIBM 38141Hor Kok Sin, MIBM 302268Hor Kwei Loon, MIBM 100982Hou Chih Yoong, MIBM 308333Hu Kie Lik, Nicholas, MIBM 259663Hu Meng Kui, MIBM 307681Huang Soon Teck, MIBM 55103Hwong Hau Luke, MIBM 50294Irwan Abdullah @ Edward Minggu, MIBM 305833Isabella Raniee Silvester, MIBM 305097Ishak bin Musa, MIBM 311283Isheak bin Johdi, MIBM 152850Ismail bin Kamaruddin, MIBM 132282Ismal Adlan bin Mohd Darus, MIBM 261354Jacob Samuel a/l K S Samuel, MIBM 264580Jagatheasan a/l Muniapan, MIBM 23275Jee Tzin Kit @ Jee Chin Kit, MIBM 21394Jeevaraja s/o Sandanam, MIBM 73908Jeffrey Marcel Jeremiah, MIBM 26500Jerry a/l Gnanasigamani, MIBM 201632Johari Bin Harun, MIBM 47449John Baptist s/o Jesu Doss, MIBM 204727John Kennedy s/o Paulose, MIBM 157776Jong Lin See, MIBM 307470Joseph Tarawe, MIBM 165720Juhar bin Omar, MIBM 307238Julia Yong Kim Len, MIBM 309706K Sivakumar s/o K Kathireson, MIBM 76836K Zachariah Samuel, MIBM 8215654

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Kalaparampil George Koshy, MIBM 108589Kam Yeng Yee, MIBM 132464Kamaluddin bin Ismail, MIBM 91975Kamaruddin bin Jaafar, MIBM 38679Kan Sow Wai, MIBM 306852Kardel Singh s/o Mangal Singh, MIBM 156968Karuna a/l Kumegan, MIBM 312993Kay Chuan Seng, MIBM 44263Kee Kok Yew, MIBM 313018Kew Lee Ching, MIBM 305047Khairuddin bin Md Noor, MIBM 37705Khalid Jaafar bin Jahaya, MIBM 306692Khaw Kok Wee, MIBM 187039Khaw Peng Soon, Kevin, MIBM 220186Kho Chai Yen, MIBM 176313Kho Siak Koi, MIBM 308806Khoo Boo Boon, MIBM 166405Khoo Gek Tin, MIBM 24687Khoo Hong Ee, MIBM 215046Khoo Kim Lean, MIBM 98004Khoo Leng Kee, MIBM 5603Khoo Siew Keong, MIBM 301651Khoo Siok Peng, MIBM 304040Khoo Sior Tyng, MIBM 308779Khor Choon Yang, MIBM 307097Kiang Shu Huei, MIBM 308196Kipli bin Rosli, MIBM 155861Koay Eng Huat, MIBM 68460Koe Swee Aun, MIBM 308429Koes Allyman bin Abdul Razak, MIBM 312378Koh Eng Hwa, MIBM 145946Koh Hsieng-Yang, Eric, MIBM 247726Koh Teck Lee, MIBM 66738Kok Aik Poh, MIBM 240572Kok Hoong Fai, MIBM 157271Kok Lai Kuin, MIBM 86389Kok Sew Thin, MIBM 214221Kok Sze Chye, MIBM 45682Kong Chark Pheng, Daniel, MIBM 301582Kong Chee Fun, MIBM 137240Kong Kyen Yeap, MIBM 308629Kong Mun Choy, Richard, MIBM 968Kong Tien Nguk, Jennifer, MIBM 132720Koo Kheng Hoong, MIBM 214361Koo Siong Cheng, MIBM 66043Ku Vui Liong, James, MIBM 16675Kuah Tee Chye, Dennis, MIBM 71381Kuan Chee Hoong, MIBM 303299Kuan Pei Chen, MIBM 302993Kueh Kim Joo, MIBM 188698Kuldeep Kaur Gill, MIBM 307854Kumar a/l Nadesan, MIBM 503063Kumari Vinod a/p Jagdish Mitter Sarna, MIBM 36350Kwan Li Wey, MIBM 501713Kwan Why Fang, MIBM 310981Lai Hung Teo, Jennifer, MIBM 65532MemberMembership No.Lai Kok Onn, MIBM 24554Lai Wan, MIBM 4556Lam Bee Yee, MIBM 134072Lam Choi Fung, MIBM 189795Lam Fong Kiew, MIBM 100594Lam Kok Goon, MIBM 309913Lam Koon Lee, MIBM 303371Lam Wing Sing, David, MIBM 108092Lam Yew Ping, MIBM 135723Lan See Yun, MIBM 309546Lan Sie Ying, MIBM 306280Lan Yann Erl, MIBM 301212Lao Puong Tai, Alexander John, MIBM 302418Latifah binti Abd Majid, MIBM 309814Lau Bee Lian, MIBM 213215Lau King Yio, MIBM 237453Lau Lei Lei, MIBM 165647Lau Pui San, MIBM 305624Lau Sie Kong, MIBM 306834Lau Wee Hien, MIBM 305579Lau Wun Ching, MIBM 306271Lau Yoke San, MIBM 229302Law Lee Peng, MIBM 192674Law Si Yong, MIBM 309300Law Toong Choy @ Karen Law, MIBM 130971Lawrence Muda anak Nyomui, MIBM 187559Lean Meng Seong, MIBM 20255Lean Theng Siew, MIBM 145987Lee Boon Chin, MIBM 300958Lee Boon Ho, MIBM 88682Lee Boon Meng, MIBM 127753Lee Chee Lin, MIBM 98822Lee Chee Meng, MIBM 304959Lee Chee Wai, MIBM 306030Lee Chui May, MIBM 87528Lee Chung Seng, MIBM 140293Lee Ee Cheng, Bernard, MIBM 104323Lee Eng Sang, MIBM 87254Lee Foo Chai, MIBM 194670Lee Fui Lee, MIBM 241877Lee Ho Peng, MIBM 144402Lee Khee Joo, MIBM 34645Lee Khuan Eoi, Dr, MIBM 18796Lee Kim Huat, MIBM 160747Lee Kok Siong, MIBM 11551Lee Kok Wing, MIBM 308658Lee Kong Hor, MIBM 191411Lee Lai Har, MIBM 54007Lee Lay Kheng, MIBM 64501Lee Lee Yoke, MIBM 67454Lee Leh Hea, MIBM 76174Lee Liong Yong, MIBM 184150Lee Mee Ling, MIBM 20792Lee Mei Ying, MIBM 106443Lee Meng Lai, MIBM 307743Lee Ming Yee, MIBM 31027655

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Lee Oi Nyuk, MIBM 193763Lee Pak Lee, MIBM 81356Lee Peng Seng, MIBM 69146Lee Ping Hock, MIBM 64519Lee Seng Peng, MIBM 306253Lee Shyh Lok, MIBM 54809Lee Siak Foong, MIBM 230961Lee Siew Moi, Tricia, MIBM 117846Lee Siok Wah, MIBM 208769Lee Soon Peng, MIBM 87171Lee Teik Peng, MIBM 182618Lee Tien Poh, MIBM 170431Lee Tzu Voon, MIBM 6916Lee Wai Tuck, MIBM 248385Lee Yan Fatt, MIBM 85308Lee Yen Har, MIBM 238667Lee Yoke Mei, Betrice, MIBM 120642Lee, Sophie, MIBM 206417Leong Eu Huay, Mabel, MIBM 302203Leong Jee Peng, MIBM 33241Leong Keng Cheok, MIBM 235549Leong Kok Wah, Dato’, MIBM 8706Leong Kwai Yong, MIBM 301473Leong Mun Yee, MIBM 304382Leong Pak Kiong, MIBM 123190Leong Sau Wah, MIBM 74690Leong Siew Why, MIBM 40055Leong Soo Chun, MIBM 126359Leong Soon Cheong, MIBM 22384Leong Sow Yoke, MIBM 501026Leong Weng Foon, MIBM 153551Leong Weng Onn, MIBM 100933Lew Pek Lee, Maria, MIBM 251694Li Tit Ching, MIBM 4622Lian Paran, MIBM 307497Lian Yoke Kuan, MIBM 187062Liang Jiaw Kiang, MIBM 20040Liau Yew Lai, MIBM 307524Liaw Boon Thiam, MIBM 302265Liew Chai Kar, MIBM 308991Liew Chee Leng, MIBM 149435Liew Ching Seng, MIBM 105353Liew Mei Yin, MIBM 306471Liew Sam Chan, MIBM 178160Liew Thiam Fook, Norman, MIBM 241927Liew Tim Fook, MIBM 62273Liew Vui Hyen, MIBM 500981Liew Yin Chung,Tony, MIBM 27425Lim Ai Cheng, Clara, MIBM 308206Lim Ai Lean, MIBM 309627Lim Bee Hua, MIBM 138081Lim Beng Tat, MIBM 200501Lim Chang Hui, MIBM 306423Lim Chee Eng, MIBM 157636Lim Chee Peng, MIBM 184952Lim Chee Sin, MIBM 27763MemberMembership No.Lim Chin Heng, MIBM 243303Lim Choon Hock, MIBM 160705Lim Choon Yang, Dr, MIBM 176966Lim Chuan Bee, MIBM 105213Lim Dau Joong, MIBM 105809Lim Eng Cheng, MIBM 309444Lim Guan Chye, MIBM 306255Lim Guat Cheng, MIBM 204446Lim Hee Choong, MIBM 310742Lim Hian Kit, MIBM 137604Lim Hong Eng, MIBM 62729Lim Hui Boon, MIBM 156216Lim Jian Hoo, MIBM 21592Lim Joo Huat, MIBM 4325Lim Kah Pin, MIBM 500185Lim Kar Seang, MIBM 123216Lim Kean Hong, MIBM 104166Lim Kheng Kok, MIBM 11437Lim Khim Khai, MIBM 306820Lim Kian Eng, MIBM 171264Lim Kim Chin, MIBM 100008Lim Kin Lian, MIBM 14944Lim Kok Beng, MIBM 309017Lim Kok Chan, MIBM 304507Lim Kok Liang, MIBM 302306Lim Leong Kuen, MIBM 304633Lim Li Lin, MIBM 213413Lim Lian Chee, MIBM 100503Lim Liew Suan, MIBM 49346Lim Lock Bee, MIBM 307485Lim Loong Seng, MIBM 165241Lim Mun Fai, MIBM 50393Lim Pak Khoon, MIBM 205112Lim Pang Kiam, MIBM 304774Lim Pei Tiam, MIBM 54346Lim Peng Guan, MIBM 112409Lim Poh Chin, MIBM 13839Lim Sek Hwa, MIBM 304808Lim Seng Cheong, Samuel, MIBM 1479Lim Seng Tak, MIBM 112896Lim Siew Bee, MIBM 116350Lim Siew Kang, MIBM 5454Lim Sok Kim, MIBM 304723Lim Soo Beng, MIBM 306875Lim Sue Lynn, Miranda, MIBM 243436Lim Swee Fatt, MIBM 139626Lim Swee Meng, MIBM 65912Lim Ti Ngoo, MIBM 8847Lim Tooi Heng, MIBM 24067Lim Tsuey Fen, MIBM 133009Lim Wai Hoong, MIBM 155978Lim Wei Hong, MIBM 304792Lim Yew Hui, MIBM 197277Lim Yit Foong, MIBM 500048Lim Yue Lai, MIBM 306257Lim Zui Ling, Andrea, MIBM 26449956

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Lim, Helen, MIBM 147520Lin Josie, MIBM 223347Lin Kah Fun @ Leng Kah Fun, MIBM 312003Ling Bee Ang, MIBM 307307Ling Chiong Sung, MIBM 145136Ling Kok Onn, MIBM 219279Ling Kui Choon, MIBM 177774Ling Kuok Hui, Michael, MIBM 205450Ling Kwong, MIBM 152504Ling Pu Kiang, MIBM 140301Lo Fock Hin, MIBM 72975Lo Liang Kheng, MIBM 110387Lo Mei Hwa, MIBM 308815Lo Mei Yong, MIBM 96719Lo Su Fun, MIBM 213223Lock Hoo Kin, MIBM 303120Loh Chee Kuan, MIBM 52118Loh Choi Yin, MIBM 308426Loh Kok Keong, MIBM 143503Loh Meng Kay, Allen, MIBM 303261Loh Sook Tien, MIBM 213447Loh Wai Mun, MIBM 502232Loi Hieng Sing, MIBM 205138Lok Bee Keok, MIBM 306266Lok Keng Kong, MIBM 308208Long Tien Pien, MIBM 206789Loo Chu Huat, MIBM 45948Loo Kia Shong, MIBM 44537Loo Kwang Eng, MIBM 6148Loo Lay Har, MIBM 233817Loo Lee Foon, MIBM 81232Loo Peng Hock, MIBM 43216Loo Phaik Yap, MIBM 139188Loo Wai Yee, MIBM 304608Looi Yow Hoong, MIBM 256164Look Chong Onn, MIBM 180091Loong Foo Ching, William, MIBM 1347Low Bok Sang, MIBM 116889Low Chee Wah, MIBM 8342Low Choon Seong, MIBM 21964Low Hon, MIBM 158352Low Kaa Siong, MIBM 260406Low Kwok Wah, MIBM 2980Low Wai Yee, MIBM 74823Low Yeau Choong, MIBM 307889Low Yew Keong, MIBM 55947Low Yoke Soon, MIBM 159798Lu Lee Khoon, MIBM 307042Lye Sook Leng, MIBM 301920M Sethuraman s/o RM Manickam, MIBM 166470Mah Hong Lin, MIBM 64535Mahaletchumy d/o Selvanayagam, MIBM 153577Mahfuz bin Ghazali, MIBM 306341Malki Singh s/o Pritam Singh, MIBM 77172Man Choong Nan, MIBM 117283Marlene Margaret anak John Nichol, MIBM 306635MemberMembership No.Martin Khew Hin Ngean, MIBM 79426Marwan bin Hassim @ Hashim, MIBM 307525Mat Sellah @ Salleh bin Hasim, MIBM 309997Md Radzi bin Hj Kechik, MIBM 20602Megat Abdullah B Megat Mahmud, MIBM 114686Melissa Yap Beng Hong, MIBM 163469Meow Li Hwa, David, MIBM 244962Michael Yong Tsu Yen, MIBM 302525Mo Cheng Keong, MIBM 180778Mobarak bin Abdul Hamid, MIBM 212522Moh Tung Tong, MIBM 68650Moh Ung Kuang, MIBM 86488Mohamad Akbal bin Mohd Yunos, MIBM 313885Mohamad Hanif bin Zakariah, MIBM 260422Mohamad Kamarulzaman bin Yusoff, MIBM 129429Mohamad Sabirin bin Hj A Rahman, MIBM 308923Mohamed Osman bin Mohamed Ibrahim, MIBM 13698Mohammad Lukman bin Ismail, MIBM 46011Mohan Pillai s/o Perumal, MIBM 151860Mohan Raj a/l S Govinda Raj, MIBM 304469Mohd Amin bin Haji Mohd Rose, MIBM 123265Mohd Bustamin bin Ismail, MIBM 33886Mohd Hussin bin Abd Hamid, Dato’, MIBM 1131Mohd Kassim bin Mahamod, MIBM 307997Mohd Nasir bin Ibrahim, MIBM 191460Mohd Nor Azhamshah bin Yusop, MIBM 156786Mohd Radzi bin Hamid, MIBM 305685Mohd Roslan bin Mohd Ishak, MIBM 6106Mohd Shaharuddin Abdullah, MIBM 116418Mohd Shapri bin Hamidi, MIBM 174151Mohd Suhail Amar Suresh Abdullah, MIBM 108449Mohd Yasin bin Othman, MIBM 312619Mohd Yunos bin Yusop, MIBM 308814Mohd Zainuddin Abdullah, MIBM 310996Mohd Zuhaimi bin Md Yusof, MIBM 307571Mok Nam Hiang, MIBM 181701Mok Soo Pon, MIBM 202127Mong Sum Thye, MIBM 513Monita Kong, MIBM 309328Moo Wing Kok, MIBM 43828Mosoline Josmen anak Atot, MIBM 174169Muhammad bin Abdul Mannan, MIBM 170092Muhammad Imran Raja Abdullah, MIBM 205930Muruga Raja a/l Ramalingam, MIBM 310518Muruganatham s/o Subramaniam, MIBM 38570Mustafa bin Yusoff, MIBM 308411Musthafa bin Mohamad, MIBM 300977Muthupalaniappan Thannimalay, MIBM 305684Naresh a/l R Neelakandan, MIBM 306443Narub Bager anak Jenid, MIBM 119727Nasir Khan bin Istiar Hussain Khan, MIBM 504933Nelson Pilay, MIBM 119032Neoh Chin Phock, MIBM 179614Ng Bee Liang, MIBM 142851Ng Boon Chuan, MIBM 301399Ng Cheng Hoh, MIBM 3044557

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Ng Chooi Fun, MIBM 302438Ng Eng Ho, MIBM 76513Ng Fong Cheu, MIBM 309881Ng Hang Meng, MIBM 77701Ng Hong Heng, MIBM 162222Ng Kee Heng, MIBM 134221Ng Khye Wai, MIBM 57596Ng Kong Chye, MIBM 35238Ng Kum Wai, MIBM 102467Ng Kwok Chiew, MIBM 19182Ng Lek Keah, MIBM 308996Ng Ling Tee, MIBM 308662Ng May Ling, MIBM 167254Ng Mei Ching, MIBM 304226Ng Mei Yong, Judy, MIBM 300917Ng Meng Yoong, MIBM 158121Ng Nam See, MIBM 211995Ng Sen Khiang, MIBM 308995Ng Sheau Lan, MIBM 184580Ng Siew Cheng, MIBM 148460Ng Siew Puay, MIBM 86579Ng Tack Kwee, MIBM 14878Ng Yin Yin, MIBM 302158Ng Yoke Ling, MIBM 31302Ng Yong Hien, MIBM 54254Ngai Hook Seng, MIBM 79392Ngam Key Shang, MIBM 109553Ngan Ai Yung, MIBM 36392Ngo Mei Ling, MIBM 255026Ngu Lui Lin, MIBM 305577Ngui Choon Pau, Joseph, MIBM 150078Ngui Nyuk Lin, MIBM 121640Nik Rosnani binti Nik Adib, MIBM 308219Nirmala a/p K R G Iyer, MIBM 264515Nirmala a/p Perumal, MIBM 54684Nirmala Doraisamy, MIBM 232231Noor Hayati binti Ismail, MIBM 307674Nor Azmir bin Muhamed Sulong, MIBM 245514Nor Darina binti Mohd Yusof, MIBM 500101Norashikin binti Mohd Kassim, MIBM 504623Norazian binti Abdullah, MIBM 308747Normaliza binti Noor Rahman, MIBM 307574Norrizah bt Abdullah, MIBM 304279Nur Nadhirah Lau bt Abdullah, MIBM 119636Nur Rita Qhaliesya Thong binti Abdullah, MIBM 301770Oh Eng Choon, MIBM 57794Oh Kim Eng @ Patrick Chua, MIBM 120501Oh Soo Cheng, MIBM 121236Omar Kim bin Abdullah, MIBM 29827On Bee Heong, MIBM 109892On Yong Wing Fun, MIBM 310349Ong Ai Hou, MIBM 56259Ong Boon Chek, MIBM 14126Ong Chee Eng, MIBM 58099Ong Chen Gan, MIBM 306634Ong Chin Poh, MIBM 88880MemberMembership No.Ong Chong Hye, MIBM 1040Ong Gaik Leng, MIBM 182980Ong Hong Kee, MIBM 46755Ong Hwee Soo, MIBM 13177Ong Kek Tor, MIBM 21527Ong Lee Kuang, MIBM 307161Ong Lip Theng, MIBM 25189Ong Ming Teck, MIBM 96446Ong Poh Ean, MIBM 308834Ong Siew Chien, MIBM 34819Ong Soo Fen, MIBM 43497Ong Suan Eng, MIBM 155689Ong Tee Pin, MIBM 134338Ong Wah Tong, MIBM 228999Ong Wee Heng, MIBM 12401Ong Whee Sen, MIBM 200600Ong Yew Chye @ Ong Seng Hock, MIBM 75069Ong, Martin, MIBM 138677Ooi Beng Yeang, James, MIBM 29199Ooi Cheng Im, MIBM 166116Ooi Cheng Toh, MIBM 61432Ooi Chin Hock, MIBM 40154Ooi Eng Hai, MIBM 48785Ooi Eng Hock, MIBM 105007Ooi Heng Tuang, MIBM 308174Ooi Ling Ling, MIBM 302820Ooi Siew Hong, MIBM 125112Ooi Soon Beng, MIBM 304592Oon Kin Meng, MIBM 153395Othman bin Mohd Rashid, MIBM 308715Ow Chee Meng, MIBM 306800P Saraswati S Periasamy, MIBM 214478P’ng Poo Nai, MIBM 18887Pak Yew Pun, MIBM 308993Pang Su Fong, Christopher James, MIBM 307675Pang Yok, Johnson, MIBM 62489Paramesura Rao a/l Rama Naidu, MIBM 306753Parimalah Dewi a/p Menon, MIBM 304807Patricia Ann Rasiah, MIBM 3558Patrick Ambrose, MIBM 191098Paula Yeoh Suan Im, MIBM 506330Pee Bee Lian, MIBM 212753Peh Hun Hoe, MIBM 164194Peh Suan Lui, MIBM 307159Pek Kian Kok, MIBM 253948Phan Lee Foong, MIBM 245068Phang Chee Chong, MIBM 206599Phoon Leong Yew, MIBM 305670Phua Boon Huat, MIBM 122846Phua Chuan Ann, MIBM 141655Phua Wai Ling, MIBM 122796Phuah Ah Keng, MIBM 135509Phun Kiah Wui, MIBM 20776Phung Tze Thiam, John, MIBM 147165Pian Siew Eng, MIBM 163899Por Peng Seong, MIBM 18173558

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Prabakaran a/l A P Mukundan, MIBM 308643Prabhaharan a/l Gobala Krishnan, MIBM 220889Puteri Annaliza binti Md Anwarrudin, MIBM 306340Quah Boo Keat, MIBM 152579Quah Soh Chien, MIBM 87411R Krishnan s/o Rengganathan, MIBM 93427Raj Intan a/l K Kanapathy, MIBM 308655Rajaratnam a/l Karuppiah, MIBM 302580Rajasekharan s/o K G Nair, MIBM 84152Rajeswary d/o K Appapillai, MIBM 51052Rajinder Singh a/l Jayar Singh, MIBM 307562Ramesh a/l Kondah, MIBM 311996Ramesh s/o Ramankutty, MIBM 58941Rasamalar Gnanasundram, MIBM 75911Razak Ratne a/k K D Ratne, MIBM 130815Razali bin Abu Bakar, MIBM 185702Robeatul-Adawiah binti Mohd Redzwan, MIBM 504211Rohana binti Mohd Yunus, MIBM 312430Rosanah binti Hamdan, MIBM 166124Rosita binti Khalim, MIBM 307374Roslina binti Mohd Nor, MIBM 300287Rozny binti Mohd Dahlan, MIBM 311286Rupinderjit Kaur a/p Iqbal Singh, MIBM 301069Ruslina binti Musa, MIBM 310152Ruzani Nashrom bin Ab Razak, MIBM 307446S Sivalingam, MIBM 47910S Varatha Rajoo a/l R Shanmugam, MIBM 17459S.Retnasingam a/l Suppramaniam, MIBM 313706Sabar @ Sabal bin Hj Abd Rahman, MIBM 164939Sak Lye Fun, MIBM 139758Samuel Chong Tsun Min, MIBM 308835Samuel Maran, MIBM 166611Samuel Paul a/l W.A.P. Winston, MIBM 151159Santha Kumar a/l Sandaram, MIBM 107714Saw Leh Peng, MIBM 20438Saw Seow Fern, MIBM 54031Saw Seow Fong, MIBM 75903Seah,Tommy, MIBM 70797See Mei Fong, MIBM 98103See Siew Ling, MIBM 306805Seet Chee Meng, MIBM 139766Selvanathan s/o Rajamanickam, MIBM 117325Selwyn Lim Jen Kid, MIBM 308781Senthil Kumar a/l Arumalingam, MIBM 306403Seow Ah Teck, MIBM 84673Shahizan bin Md Noh, MIBM 311269Shahnul Niza bin Mohd Yusof, MIBM 309708Shahrizam bin Che At, MIBM 304363Shaik Ismail bin N Abdul Hakim, MIBM 200634Shamanni Nitta T Dorai Mani, MIBM 85530Sharulnahar bin Jaafar, MIBM 201715Sheum Chee Meng, MIBM 31054Shim Thau Liam, MIBM 100917Shirley Loke, MIBM 301747Shobna a/p K Madavan, MIBM 231969Shue Boon Hoe, MIBM 31849MemberMembership No.Si Chee Ping, MIBM 301964Sia Chik Foo, MIBM 238840Sia Chik Hua, MIBM 47217Sia Mee Ong, Christopher, MIBM 306847Sia Puon Kiong, MIBM 177808Sia Thiam Ann, MIBM 501179Sia Yiik Ik, MIBM 165662Siaw Meng Kun, Augustine, MIBM 16725Siaw Ming Kim, MIBM 48033Siew Jiang Lin, MIBM 308879Sih Yaw Tong, MIBM 200659Sim Joo Lay, MIBM 235275Sim Kheng Boon, MIBM 91801Sim Kien Seng, MIBM 160457Sim Kon Lei, Ronnie, MIBM 9589Sim Seng Kee, MIBM 12377Sim Soo Soon, MIBM 126110Sim Tian Heng, MIBM 98046Sim Wan Beng, MIBM 178277Sin Fook Sing, MIBM 159608Sing Yang, MIBM 502391Singaravelu T Apathutharanam, MIBM 28795Siow Foo Wen, MIBM 230359Siow Wee Chiang, MIBM 222265Siti Najad binti Sahari, MIBM 305509Siti Rohani binti Atan, MIBM 307200Siti Serimawati binti Zaito Ahmad, MIBM 305869Sivaswami s/o Chidambaram Asary, MIBM 179770Song Khoon Soon, MIBM 314472Soo Beng Keat, MIBM 306845Soo Kan Hung, MIBM 231910Soo Kwai Fong, MIBM 20446Soo Miew Foon, MIBM 305850Soon Bee Tin, MIBM 41350Soon Mun Har, MIBM 132506Sow Peng Peng, MIBM 502185Sree Kumar a/l K S Pillai, MIBM 16394Sreetharan s/o Kathamutu, MIBM 146209Sri Kumar a/l Jayaraman, MIBM 306782Stanley Chan Chee Kheong, MIBM 220962Subbiah a/l Nadarajan, MIBM 33399Subramaniam s/o P Sinnan, MIBM 3517Sufian bin Nordin, MIBM 308684Suhadi bin Mohd Irwan, MIBM 503037Sung Ching Ngiong @ Song Ching Ngiong George, MIBM 21956Suzie Lim Yoke Fong, MIBM 126102Syed Mohd Taufik Syed Abu Bakar, MIBM 711T’ng Siew Hock, MIBM 84202Tai Koon Koon, MIBM 90225Tai Kyun Vui, Michael, MIBM 183863Tai Shuk Huang, MIBM 154732Tam Hung Wei, Cyril, MIBM 9852Tan Ah Moi, MIBM 144741Tan Ann Peng, MIBM 126219Tan Boon Eng, MIBM 21576Tan Boon Lee, MIBM 15876659

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Tan Chee Huah, MIBM 180877Tan Chee Hwa, MIBM 106492Tan Chee Kian, MIBM 306578Tan Cheong Eng, MIBM 64659Tan Chian Howe, MIBM 21543Tan Eng Teik, MIBM 117655Tan Geok Lan, MIBM 99481Tan Hang Yong, MIBM 45880Tan Hean Seng, MIBM 47613Tan Hoi Piew, Dr, MIBM 245290Tan Huat Chean, Kenneth, MIBM 136085Tan Josan, MIBM 306534Tan Juan Peng, Edward, MIBM 307443Tan Ke Chee, MIBM 104299Tan Keng Soon, MIBM 305257Tan Khee Meng, MIBM 56481Tan Kock Lim, MIBM 143669Tan Kok Hun, MIBM 36533Tan Kuw Hook, MIBM 45310Tan Lai Hock, MIBM 302643Tan Lan Kwee, MIBM 55541Tan Leong Theng, MIBM 109215Tan Mei Lin, MIBM 116657Tan Meng Keat, MIBM 308386Tan Oh Kok, MIBM 307742Tan Pek Hu, MIBM 48330Tan Pek Wan, MIBM 41376Tan Pet Heong, MIBM 311244Tan Sai Hin, MIBM 70037Tan Seng Cheon, MIBM 150466Tan Seng Lee, MIBM 160507Tan Shin Yee, MIBM 305127Tan Shing Lieu, MIBM 120519Tan Siew Lin, MIBM 71878Tan Siew Meng, MIBM 187955Tan Siu Fon, MIBM 304486Tan Soon Ann, Marcus, MIBM 258459Tan Swee Geok, MIBM 98913Tan Swee Ing, MIBM 506349Tan Swee Kwang, MIBM 307636Tan Taen Hong, MIBM 91322Tan Teck Kian, MIBM 307775Tan Tee Lieu, MIBM 145250Tan Teong Hoe, MIBM 250290Tan Teong Sin, MIBM 93500Tan Thiam Chye, MIBM 24661Tan Thuan Khoon, MIBM 89862Tan Van Seong, MIBM 306674Tan Wai Siang, MIBM 36376Tan Yan Soon, MIBM 307805Tan Yew Lay, MIBM 30809Tan Yew Yan, MIBM 311284Tan Yick Hong, MIBM 312823Tan Yoke Lin, MIBM 63677Tang Siong Hian, MIBM 109165Tang Suet Ching, Cindy, MIBM 199554MemberMembership No.Tang Tat Beng, MIBM 129015Tang Teck Ching, MIBM 244244Tang Wai Ling, MIBM 118497Tay Kim Mai, MIBM 159624Tay Shik Tong, MIBM 35683Tee Ting Cham, MIBM 85407Teh Chee Seng, MIBM 255620Teh Keng Loon, MIBM 46680Teh Kooi Kim, MIBM 12302Teh Wei Lin, MIBM 210112Teh Yok Eng, MIBM 11882Teng Yong Khoon, MIBM 84103Teo Hock Cheng, MIBM 185751Teo Jui Heng, Michael, MIBM 92098Teo Keng Chai, MIBM 198457Teo Lik Huat, MIBM 75366Teo Sin Hing, MIBM 193086Teo Yang Tuan, MIBM 68452Teo Yee Teck, MIBM 130641Teoh Boon Leong, MIBM 304360Teoh Cheng Fong, MIBM 300922Teoh Hock Guan, MIBM 145029Teoh Hock Teck, MIBM 3962Teoh It Ming, MIBM 53041Teoh Pick Choo, MIBM 225961Terrance Stephen Pereira, MIBM 165688Tey Thiam Leong, MIBM 73056Thalip Mohd Yasin, MIBM 7401Tham Kon Moi @ Rose Rita Tham, MIBM 303163Tham Kuei Siao, MIBM 83949Thang Chee Seng, MIBM 22616Thannimalai a/l Letchumanan, MIBM 251587Tharamarajah s/o Thevarajah, MIBM 173906Tharm Siew Moy, MIBM 105767Theam Yuen Wai, MIBM 118927Thean Soon Hin, MIBM 504370Theng Pui Seng, MIBM 306575Theva Pragash a/l Kanapathy, MIBM 503091Thiakarajah s/o Thoraisamy, MIBM 119701Thien Thau Khen, MIBM 504164Thoo Lip Bong, MIBM 96438Ti Lian Toh, MIBM 44651Ting Kok Wah, MIBM 252742Ting Ming Hing, MIBM 167411Ting Sie King, MIBM 113852Tio Mee Ching, Agnes, MIBM 218610Tiong Chiong Mee, Simon, MIBM 246173Tiong Chung Teck, MIBM 180901Tiong Ing Kiong, James, MIBM 136176Tiong Ing Tung, MIBM 215467Tiong Meng Tung, MIBM 177295Tiong Soon King, MIBM 304317Tiong Soon King, MIBM 25924Tiu Jon Sen, MIBM 80903Toh Leong Chew, MIBM 115626Tong Leh Ting, MIBM 803760

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Tong Mee Hua, MIBM 177303Tung Chee Choong, MIBM 260554Tung Lee Chun, MIBM 172619Uma Devi d/o E Rasiah, MIBM 130666Usman bin Ibrahim, MIBM 16469V Saraswathy a/p Varadarajan, MIBM 307552Victor Cagampang, MIBM 224899Victoria George Visuvasam, MIBM 224303Vijayakumar s/o M V Nair, MIBM 16410Vijayandren a/l Vadiveloo, MIBM 76984Vikneswari Jannet a/p Rajah, MIBM 233585Vincent Yong Tsu Sing, MIBM 300121Visualingam a/l Veeraperumal, MIBM 149286VK Suresh Kumar a/l KK Madhavan, MIBM 57414Voon Buh Teck, MIBM 257303Wahid Ali bin Mohd Khalil, MIBM 164996Wan Abdul Rahman bin Wan Abu Bakar, MIBM 47290Wan Ahmad Fadzil bin Wan Nik, MIBM 178954Wan Ban Ong, MIBM 122465Wan Chee Keong, MIBM 183350Wan Yew Leong, MIBM 305802Warren Wong Liew Kheng, MIBM 115105Wee Swee Cheng, William, MIBM 57232Wei Kan Aun, MIBM 149310Wong Ai Tiing, MIBM 87361Wong Chang Wai, MIBM 1917Wong Chee Fen, MIBM 59535Wong Chee Kin, MIBM 308795Wong Chooi Yoke, MIBM 206714Wong Foong Wah, MIBM 38927Wong Foong Yee, MIBM 183970Wong Gek Keong, MIBM 112441Wong Hon Sing, Dr, MIBM 1180Wong Kam Mun, MIBM 118000Wong Kang Yang, MIBM 90100Wong Kim Wah, MIBM 315539Wong King Chai, MIBM 306267Wong King Ping, MIBM 77933Wong Kok Leong, MIBM 308833Wong Kon Min, Jimmy, MIBM 115980Wong Kuok Kai, MIBM 8169Wong Kwok Khuen, MIBM 11833Wong Lip Meng, MIBM 151456Wong Luen Onn, Lennon, MIBM 75432Wong Poh Kham, MIBM 32730Wong Pooi Sun, MIBM 302720Wong Sai Peng, MIBM 119115Wong Siak Nyen, MIBM 4549Wong Sie Hui, MIBM 191957Wong Sue Chew, MIBM 305273Wong Suei Tah, MIBM 22137Wong Suet Kheng, MIBM 314776Wong Swee Ho, MIBM 301031Wong Teck Heng, MIBM 304687Wong Tin Wee, MIBM 304726Wong Toh Ling, MIBM 303914MemberMembership No.Wong Toh Siong, MIBM 248054Wong Weng Fook, MIBM 63180Wong Wing Kong, MIBM 92122Wong Yap Thong, MIBM 90670Wong Yih Hua, MIBM 308610Wong Yoke Ying, MIBM 152173Wong Yu Choong, MIBM 309548Woo Hoon Keng, MIBM 17970Woo Tip Lin, MIBM 159640Woo Yoke Kean, MIBM 65193Wooi Swee Phew, MIBM 74286Wung Soo Fui, MIBM 26146Yang Chan Shi, MIBM 306832Yap Biow Hwee, MIBM 51201Yap Chee Moon, MIBM 169367Yap Chi Hui, MIBM 92072Yap Chong Poh, MIBM 22939Yap Fook Meng, MIBM 65995Yap Hoong Kee, MIBM 2204Yap Kean Hoe, Kavin, MIBM 190587Yap Kim Seng, MIBM 106724Yap Mei Fong, Jenny, MIBM 68700Yap Meng Meng, MIBM 307174Yap Pheng Pheng, MIBM 307673Yap Siew Kim, MIBM 305396Yap Siew Lee, MIBM 304219Yap Tat Meng, MIBM 64220Yap Yen Peng, MIBM 306270Yap Yew Kong, MIBM 159178Yap Yoke Lan, MIBM 163212Yap Yoon Kong, MIBM 119297Yau Kim Ha, MIBM 199430Yau Yin Keong, Michael, MIBM 88039Yeap Boon Loon, MIBM 305993Yeap Cheng Kiat, MIBM 59378Yeap Chong Leong, MIBM 146357Yeap Keow Hong, MIBM 231316Yeap Suat Lean, MIBM 312030Yee Chee Onn, MIBM 53199Yee May Woon, MIBM 113423Yee Yit Seeng, MIBM 117721Yem Chiu Hisa, MIBM 103895Yeo Chin Tiong, MIBM 313437Yeo Hock Lee, MIBM 64402Yeo Lee Chern, MIBM 256842Yeo Sie Hong, MIBM 166066Yeo Soon Tee, MIBM 39552Yeo Swee Tang, MIBM 27854Yeo Wei Ling, MIBM 305537Yeoh Bee Leng, MIBM 305665Yeoh Beng Hooi, MIBM 37622Yeoh Heng Hoe, MIBM 100883Yeoh Kim Hock, MIBM 132340Yeoh Kooi Aik, MIBM 19844Yeoh Lay Hong, MIBM 261149Yeoh Liew Hwa, Nini, MIBM 344261

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIExtract from the Membership Register as at December 31, 2009 (cont’d)MemberMembership No.Yeoh Poh Lin, MIBM 308660Yeoh Seng Poh, MIBM 80184Yeoh Siew Lee, Rebecca, MIBM 241224Yeoh Soo Boon, MIBM 201012Yeoh Then Meng, Daniel, MIBM 2311Yeong Sook Fun, MIBM 179499Yeow King Siong, MIBM 36426Yew Thean Chye, MIBM 110221Yii See Kiong, Michael, MIBM 7476Yip Choy Yoke, MIBM 171744Yip Fook Keong, MIBM 305181Yip Jo Seng, MIBM 122028Yip Lai Mang, MIBM 303424Yip Tsui Yoke, MIBM 302150Yong Chiong Lung, MIBM 174458Yong Chui Ming, MIBM 313845Yong Ngie Uong, MIBM 216259Yong Seng Huat, MIBM 308784Yong Sieng Sii, MIBM 119040MemberMembership No.Yong Ung Kwong, MIBM 43299Yong Yie Pien, MIBM 300638Yong Yoong Thye, MIBM 304416Yoon Kar Peck, Alina, MIBM 101618Yoong Thu Lin, Danny, MIBM 302974Yow Lee Chin, MIBM 305688Yu Kok Seng, MIBM 68114Yue Sau Hung, MIBM 6536Yuen Kit May, MIBM 99812Yuen Lin Lan, MIBM 13854Yugaletchimi Gopal Katherason, MIBM 106500Yusoff bin Yahaya, MIBM 307306Zahari bin Muhammed, MIBM 74799Zahiah binti Ismail, MIBM 305468Zainal Abidin bin Mohd Tahir, MIBM 307906Zainal Abidin bin Sulaiman, MIBM 109983Zainurin bin Julaihi, MIBM 37093Zuheer bin Mohammed Majid, MIBM 30851962

Institut Bank-Bank Malaysia Annual Report 2009Appendix IIIExamination Committees (2009) for Specialist QualificationsCCP Examination CommitteeEn Ahmad Shafruddin Arshad, MIBMMr Chia Swee Yuen, MIBMDato’ Choo Kah Hoe, Howard, FIBM(Assoc)Ms Choo Kam Leng, Janet, MIBMPn Hamidah Osman, MIBMEn Helmy Had bin Sabtu, MIBMMr Kasinathan Kasipillai, FIBM(Assoc)Mr Lim Teck Ling, Thomas, FIBM(Assoc)Ms Lu Lee Khoon, Esther, MIBMMr Low Yeau Choong, MIBMPn Rozny Mohd Dahlan, MIBMMr Stephen Louis s/o J C Silva, MIBMMr Wong Liew Kheng, Warren, MIBMConsultantAmBank (M) BerhadConsultantHong Leong Bank BerhadCIMB Bank BerhadConsultantAffin Bank BerhadConsultantPublic Bank BerhadConsultantRHB Islamic Bank BerhadConsultantConsultantCIAFIN Examination CommitteeMs Hor Kam Peng, MIBMMs Leong Sow Yoke, MIBMMr Nelson Pilay, MIBMMr Tan Pet Heong, Peter, MIBMMs Yip Tsui Yoke, Jennifer, MIBMHong Leong Bank BerhadUnited Overseas Bank (Malaysia) BhdThe Royal Bank of Scotland BerhadMalayan Banking BerhadEON Bank BerhadPKMC Examination CommitteeEn Azidy Daud, MIBMMr Bacil Fernandez, MIBMMr Chan Heng Leong, Christopher, MIBMMr Fong Chee Choong, MIBMMr Lim Eng Cheng, Eddie, MIBMPn Norashikin Mohd Kassim, MIBMPn Norzila Abdul Aziz, FIBM(Assoc)Mr Sing Yang, MIBMMr Tan Yew Yan, MIBMMr Yeo Chin Tiong, MIBMAsian Finance Bank BerhadPublic Bank BerhadHwangDBS Investment Bank BerhadOSK Investment Bank BerhadConsultantBank Islam Malaysia BerhadBank Negara MalaysiaEON Bank BerhadHSBC Bank Malaysia BerhadOSK Investment Bank Berhad63

Institut Bank-Bank Malaysia Annual Report 2009Appendix IVIBBM State Advisory Committees (2009)KedahTn Hj Zainul Abidin Mohd Ali (Chairman)En Mohd Azrul Abdul RahmanMs Tan Phaik HwaTn Hj Che Amat Arifin (until 30/4/2009)Mr Chang Tow HengMr Khor Sim LimMs Kalaiselvi a/p MuniandyEn Muhammad Asri Mohd ZainMr Ng Lek Keah, MIBMMalayan Banking BerhadCIMB Bank BerhadHong Leong Bank BerhadMalayan Banking BerhadUnited Overseas Bank (Malaysia) BhdPublic Bank BerhadAffin Bank BerhadEONCAP Islamic Bank BerhadRHB Bank BerhadPenangMr Tan Leong Theng, MIBM (Chairman)Pn Rosnani Mahamed ZainPn Hasmah Jusoh (until 15/5/2009)Mr Wong Kang Yang, MIBMMr Peter Hong Tuck Weng, MIBM (until 30/12/2009)Ms Lim Chee CheangMs Soon Mun Har, MIBMMr Yew Thean Chye, MIBMPn Nor Hayati Ismail, MIBMMr Lim Kok Beng,MIBMMr Teh Keng Loon, MIBMMr Teo Yeow LamPerakMs Nancee L Vincent, MIBM (Chairman)Ms Sherine Lee Guat TinMs Tan Pek KimEn Mohammad Harith AbdullahMr Tan Kuw Hook, MIBMMr Heah Hock HinMr Liew Chai Kar, MIBMMr Loh Soon OnMr Lee See ChuanAmInvestment Bank BerhadBank Negara MalaysiaRHB Bank BerhadStandard Chartered Bank Malaysia BerhadCIMB Investment Bank BerhadCIMB Bank BerhadHong Leong Bank BerhadEON Bank BerhadAffin Bank BerhadAmBank (M) BerhadPublic Bank BerhadRHB Bank BerhadAmBank (M) BerhadAffin Bank BerhadAlliance Bank Malaysia BerhadCIMB Bank BerhadEON Bank BerhadHong Leong Bank BerhadUnited Overseas Bank (Malaysia) BhdRHB Bank BerhadPublic Bank BerhadMelakaDatuk Zainal Abidin Mohamed, FIBM(Assoc) (Chairman)Mr Lwee One NamMr Alex Lee Boon HuatMr Ooi Heng Tuang, MIBMEn Abdul Razak KamardinEn Amir Abdul AzizMr Sneah Thean KengEn Rashid IbrahimAmBank (M) BerhadAlliance Bank Malaysia BerhadAffin Bank BerhadOCBC Bank (Malaysia) BerhadMalayan Banking BerhadRHB Bank BerhadUnited Overseas Bank (Malaysia) BhdCIMB Bank BerhadJohorMr Calvin Yau Yin Wee, MIBM (Chairman)Tn Hj Kamalullail RamliMr Albert Choo Wai TinMr Chang Chee Keong, MIBMMr Ong Kek Tor, MIBMMr Yang Chan Shi, MIBMPn Hjh Maniza Mohd AbuEn Md Gharif Talib (until 30/9/2009)En Shahar Abd. RashidAmBank (M) BerhadBank Negara MalaysiaCIMB Bank BerhadRHB Bank BerhadAmBank (M) BerhadEON Bank BerhadAffin Bank BerhadMalayan Banking BerhadMalayan Banking Berhad64

Institut Bank-Bank Malaysia Annual Report 2009Appendix IVIBBM State Advisory Committees (2009) (cont’d)PahangMr J Saradaran Pillai (Chairman)Mr Wong Suei Tah, MIBMEn Sazali AhmadEn Rosli Has SulaimanMr Lim Sek Hwa, MIBMMr Khor Han Ghee, MIBMTn Hj Yusoff GhaniMr Chua Chia ChengMr Leong Chee WaiMr See To Weng KhiangMr Cheow Chee SengHSBC Bank Malaysia BerhadOCBC Bank (Malaysia) BerhadAffin Bank BerhadAmBank (M) BerhadCIMB Bank BerhadEON Bank BerhadMalayan Banking BerhadHSBC Bank Malaysia BerhadAlliance Bank Malaysia BerhadPublic Bank BerhadUnited Overseas Bank (Malaysia) BhdKelantanEn Ruzani Nashrom Abdul Razak, MIBM (Chairman)Pn Nor Sabimi Mohamed AluwiPn Khadijah Che MusaYM Tengku Fatimah Anang Tengku MusaMr Goh Suw Kim, MIBMMr Simon Tan Sai Hin, MIBMEON Bank BerhadAl Rajhi Banking & Investment Corporation(Malaysia) BerhadAffin Bank BerhadCIMB Bank BerhadPublic Bank BerhadOCBC Bank (Malaysia) BerhadSarawakEn Ishak Musa, MIBM (Chairman)Ms Emily Rolanda Yong, MIBMEn Nasir Khan Istiar Hussain Khan, MIBMMr Teo Yang Tuan, MIBMMr Kho Siak Koi, MIBMMr Steven Jong Lin See, MIBM (until 31/12/2009)Mr Song Khoon Soon, MIBMBank Negara MalaysiaEON Bank BerhadMalayan Banking BerhadPublic Bank BerhadRHB Investment Bank BerhadAffin Bank BerhadCIMB Bank BerhadLabuanEn Danial Mah Abdullah, MIBM (Chairman)Mr Chin Chee Kee, FIBM(Assoc)En Mohammad Farouk Faisal KitMs Zelie Ho Swee Lum, MIBMDato’ Abdul Rahman AbdullahMs Veronica MohLabuan Financial Services AuthorityNoblehouse International Trust LtdMalayan Banking BerhadUBS AGCity Credit Investment Bank LimitedAmBank (M) BerhadSabahEn Ahmad Abd. Rahim (Chairman)Mr Kevin Lim Chang Hui, MIBMTn Hj Laudin SundangMr Yap Kin OnMr Jeffrey Wong Yih Hua, MIBMMr Felix Lo Chee FuiMs Amy Tan, MIBMMs Bernadette Sun Fui Ling, MIBM (until 1/10/2009)Bank Negara MalaysiaAmBank (M) BerhadCIMB Bank BerhadPublic Bank BerhadHong Leong Bank BerhadAffin Bank BerhadSabah Development Bank BerhadRHB Bank Berhad65

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FORM OF PROXYINSTITUT BANK-BANK MALAYSIACompany No. 35880-P (Incorporated in Malaysia)INDIVIDUAL MEMBER FORM OF PROXYFOR THE 32 ND ANNUAL GENERAL MEETINGI(Full name of Individual member)of(Full Address)being a Member of INSTITUT BANK-BANK MALAYSIA, hereby appoint(Full Name)of(Full Address)or failing him/her(Full Name)of(Full Address)or failing him/her, the Chairman of the meeting; as my Proxy to vote on my behalf at the 32 nd Annual General Meeting of the Instituteto be held on May 22, 2010 at 9.30 a.m. and at any adjournment thereof. My Proxy is to vote as indicated below: (Please indicate withan ‘X’ in the spaces provided on how you wish your vote to be cast. In the absence of specific directions, your Proxy will vote or abstain as he/she thinks fit.)No. Ordinary Resolution For Against1.2.3.To re-appoint Tan Sri Dato’ Seri Azman Hashim pursuant to Section129(6) of the Companies Act, 1965.To re-elect Encik Kung Beng Hong pursuant to Article 62 of theInstitute’s Articles of Association.To re-appoint Messrs SJ Grant Thornton as Auditors and authorise theCouncil to fix their remuneration.Dated this day of 2010Signature of MemberNotes:• An Individual Member entitled to attend and vote at the meeting is entitled to appoint a proxy to attend and vote on his behalf. The proxySHALL be a member entitled to vote.• This form of proxy must be deposited at the Registered Office of the Institute at Wisma IBI, 5 Jalan Semantan, Damansara Heights, Kuala Lumpur,not less than forty-eight (48) hours before the time appointed for holding the meeting.67

FORM OF NOMINEEINSTITUT BANK-BANK MALAYSIACompany No. 35880-P (Incorporated in Malaysia)INSTITUTIONAL MEMBER FORM OF NOMINEEFOR THE 32 ND ANNUAL GENERAL MEETINGWe(Full name of Institutional member)of(Full Address)being a Member of INSTITUT BANK-BANK MALAYSIA, hereby appoint(Full Name)of(Full Address)or failing him/her(Full Name)of(Full Address)or failing him/her, the Chairman of the meeting; as our Nominee to vote on our behalf at the 32 nd Annual General Meeting of theInstitute to be held on May 22, 2010 at 9.30 a.m. and at any adjournment thereof. Our Nominee is to vote as indicated below: (Pleaseindicate with an ‘X’ in the spaces provided on how you wish your vote to be cast. In the absence of specific directions, your Nominee will voteor abstain as he/she thinks fit.)No. Ordinary Resolution For Against1.2.3.To re-appoint Tan Sri Dato’ Seri Azman Hashim pursuant to Section 129(6)of the Companies Act, 1965.To re-elect Encik Kung Beng Hong pursuant to Article 62 of the Institute’sArticles of Association.To re-appoint Messrs SJ Grant Thornton as Auditors and authorise theCouncil to fix their remuneration.Dated this day of 2010Signature and Common SealNotes:• Each Institutional Member shall be entitled to nominate one accredited representative to attend and vote at all General Meetings. Alternaterepresentatives may be appointed by such Institutional Members but no Member may have more than one accredited representative at oneGeneral Meeting. Each Member shall have one vote.• This form of nomination must be deposited at the Registered Office of the Institute at Wisma IBI, 5 Jalan Semantan, Damansara Heights,Kuala Lumpur, not less than forty-eight (48) hours before the time appointed for holding the meeting.68