This document provides an overview of CIMB Group Holding Berhad, a major banking group in Southeast Asia. It discusses the company's history, branches, vision, brands, business description, board of directors, and financial performance for 2011. It also performs a SWOT analysis, identifying strengths such as its diversified business mix and higher returns, weaknesses like its reliance on the Malaysian market, opportunities in expanding to new countries, and threats from increased competition. The document analyzes CIMB Group's marketing strategies and provides a concise profile of the company.
In performing our assignment, we had to take help and guideline of some respected persons, who deserve our greatest gratitude. We would like to show our gratitude to our supportive lecturer, Sir Firdaus for giving us a good guideline throughout a numerous consultations. We would also like to expand our deepest gratitude to all those who have directly and indirectly guided us in writing this assignment.
Many people, especially our classmates and team members itself, have made a valuable comment and suggestions on this proposal which give us an inspiration to improve our assignment. We thank all the people for their help directly and indirectly to complete our assignment.
1) The document discusses employee dissatisfaction issues at CIMB, a major Malaysian bank. It outlines issues such as unfair performance evaluations, unclear bonus qualifications, wrongful employee dismissals, and violations of employee rights.
2) Over 300 CIMB employees protested these issues in 2013, demanding that management address unfair treatment and violations of rights.
3) The document analyzes specific cases of unfair performance reviews and discusses broader managerial issues at CIMB related to employee evaluation, compensation, and termination. It suggests performance reviews have become a source of problems and disputes between employees and management.
GRAPHYT - (ENT530 - Social Media Portfolio)HarithDaniel9
GRAPHYT Design Service provides graphic design and video editing services. They created a Facebook page in October 2019 to promote their business online. They posted various types of content on their page including teaser posts to generate interest, soft sell posts to build brand awareness, and hard sell posts promoting their service packages and prices. In total they posted 3 times in October, 6 times in November, and 4 times in December to attract customers and generate sales on Facebook.
ABCat Cafe & Studio (ENT530 - Business Plan)HarithDaniel9
The document summarizes a business plan for ABCat Café, a cat café in Bangi, Selangor, Malaysia that allows customers to play with cats and enjoy trendy desserts. The café aims to attract cat lovers of all ages. It houses various cat breeds and emphasizes affordable pricing to cater to the middle-income citizens of Bangi. The management team has experience in relevant fields like finance, business, and accounting. The business plan outlines ABCat Café's operations, marketing strategy, organizational structure, and financial projections to obtain funding.
Financial Analysis on Maybank and CIMB (Bank Management)Afifah Nabilah
This document provides an analysis of the financial performance of Maybank and CIMB from 2010-2014. Key metrics analyzed include liquidity, profitability, financial leverage, and asset quality. For liquidity, the analysis found that Maybank's current ratio increased from 2010-2014 while CIMB's decreased, indicating weaker liquidity. For profitability, ratios for both banks fluctuated over the period. Maybank generally had higher ratios except for earnings to assets in 2012. The analysis found CIMB had higher financial leverage than Maybank based on debt to equity ratios, though both lowered leverage in 2014. In terms of asset quality, Maybank's non-performing loan ratio was stable at 1% while CIM
Non-bank financial intermediaries in Malaysia include development financial institutions, saving institutions, employee provident and pension funds, insurance companies, and other financial intermediaries such as factoring companies. Development financial institutions provide medium and long-term financing for projects in specific sectors to promote development goals. Saving institutions such as the National Savings Bank mobilize savings from middle and lower income groups. Employee provident funds such as the Employees Provident Fund provide retirement benefits and help mobilize long-term savings.
This document provides an introduction and analysis of Brahim's Holding Berhad and Apollo Food Holdings Berhad. It discusses the background, core activities, strengths, and weaknesses of each company. It then analyzes trends in liquidity ratios, profitability ratios, and other financial metrics for Brahim's from 2014-2018, finding fluctuations in current ratio, quick ratio, net working capital, gross profit margin, net profit margin, return on assets, and return on equity over this period. Similar trend and comparative analyses are then provided for Apollo Foods.
In performing our assignment, we had to take help and guideline of some respected persons, who deserve our greatest gratitude. We would like to show our gratitude to our supportive lecturer, Sir Firdaus for giving us a good guideline throughout a numerous consultations. We would also like to expand our deepest gratitude to all those who have directly and indirectly guided us in writing this assignment.
Many people, especially our classmates and team members itself, have made a valuable comment and suggestions on this proposal which give us an inspiration to improve our assignment. We thank all the people for their help directly and indirectly to complete our assignment.
1) The document discusses employee dissatisfaction issues at CIMB, a major Malaysian bank. It outlines issues such as unfair performance evaluations, unclear bonus qualifications, wrongful employee dismissals, and violations of employee rights.
2) Over 300 CIMB employees protested these issues in 2013, demanding that management address unfair treatment and violations of rights.
3) The document analyzes specific cases of unfair performance reviews and discusses broader managerial issues at CIMB related to employee evaluation, compensation, and termination. It suggests performance reviews have become a source of problems and disputes between employees and management.
GRAPHYT - (ENT530 - Social Media Portfolio)HarithDaniel9
GRAPHYT Design Service provides graphic design and video editing services. They created a Facebook page in October 2019 to promote their business online. They posted various types of content on their page including teaser posts to generate interest, soft sell posts to build brand awareness, and hard sell posts promoting their service packages and prices. In total they posted 3 times in October, 6 times in November, and 4 times in December to attract customers and generate sales on Facebook.
ABCat Cafe & Studio (ENT530 - Business Plan)HarithDaniel9
The document summarizes a business plan for ABCat Café, a cat café in Bangi, Selangor, Malaysia that allows customers to play with cats and enjoy trendy desserts. The café aims to attract cat lovers of all ages. It houses various cat breeds and emphasizes affordable pricing to cater to the middle-income citizens of Bangi. The management team has experience in relevant fields like finance, business, and accounting. The business plan outlines ABCat Café's operations, marketing strategy, organizational structure, and financial projections to obtain funding.
Financial Analysis on Maybank and CIMB (Bank Management)Afifah Nabilah
This document provides an analysis of the financial performance of Maybank and CIMB from 2010-2014. Key metrics analyzed include liquidity, profitability, financial leverage, and asset quality. For liquidity, the analysis found that Maybank's current ratio increased from 2010-2014 while CIMB's decreased, indicating weaker liquidity. For profitability, ratios for both banks fluctuated over the period. Maybank generally had higher ratios except for earnings to assets in 2012. The analysis found CIMB had higher financial leverage than Maybank based on debt to equity ratios, though both lowered leverage in 2014. In terms of asset quality, Maybank's non-performing loan ratio was stable at 1% while CIM
Non-bank financial intermediaries in Malaysia include development financial institutions, saving institutions, employee provident and pension funds, insurance companies, and other financial intermediaries such as factoring companies. Development financial institutions provide medium and long-term financing for projects in specific sectors to promote development goals. Saving institutions such as the National Savings Bank mobilize savings from middle and lower income groups. Employee provident funds such as the Employees Provident Fund provide retirement benefits and help mobilize long-term savings.
This document provides an introduction and analysis of Brahim's Holding Berhad and Apollo Food Holdings Berhad. It discusses the background, core activities, strengths, and weaknesses of each company. It then analyzes trends in liquidity ratios, profitability ratios, and other financial metrics for Brahim's from 2014-2018, finding fluctuations in current ratio, quick ratio, net working capital, gross profit margin, net profit margin, return on assets, and return on equity over this period. Similar trend and comparative analyses are then provided for Apollo Foods.
Malaysia Milk Sendirian Berhad was incorporated in 1969 to distribute products manufactured by Malaysia Dairy Industries Pte Ltd, and began manufacturing operations in 1977. It has since expanded its product range to include Vitagen, Marigold HL Milk, Marigold Milk, Marigold Peel Fresh Juice, Marigold Cup Yogurt, and others. The company's vision is to be a global leader in providing nature's ingredients for food and nutrition, while its mission is to enrich customers' daily experiences through the life-nourishing qualities of fruits and vegetables.
Issues and ethics in finance (fin 657) - How hackers steal $81 million in Ban...Hafizah Jupri
The illegal activities undertaken by criminals for financial gain, which exploit vulnerabilities in the use of the internet and other electronic systems to illicitly access or attack information and services used by citizens, business and government.
This document is a business model canvas report for Secret Recipe Cakes & Café Sdn Bhd. It identifies their key partners as Malaysian celebrity ambassador Awal Ashaari and partnerships with GrabFoodMY and Lazada for delivery. Key activities include experimenting with new recipes, providing varied food options, and promotions with celebrities. Secret Recipe offers high quality cakes and food at affordable prices along with good customer service. Their target customer segments are teenagers, families, and middle to high-income groups. Key resources are production facilities, over 350 outlets across Asia, and their well-known brand.
Dokumen tersebut membahas tentang pengertian ekonomi dan konsep ekonomi Islam, termasuk prinsip-prinsipnya seperti kebebasan ekonomi terpimpin, keadilan sosial, dan kampungtangan pemerintah. Dokumen tersebut juga membahas tentang hubungan antara ekonomi dengan ibadah, jihad, dan etika ekonomi Islam.
Hong Leong Bank Berhad (HLB) is one of the largest banks in Malaysia, operating over 200 branches. It began in 1905 as Kwong Lee Mortgage & Remittance Company. HLB offers a wide range of financial services including personal banking, corporate banking, investment banking, and insurance. It has won several awards for its e-banking services. However, some weaknesses include poor customer service management and less trained frontline staff. HLB continues expanding its services and digital capabilities to remain competitive in the banking industry.
Development of the Malaysian Islamic Financial SystemMahyuddin Khalid
This document discusses the development of the Malaysian Islamic financial system. It covers:
1) The historical development of Islamic banking in Malaysia, from the establishment of Lembaga Tabung Haji in 1963 to the passing of the Islamic Banking Act in 1983 which allowed the creation of Bank Islam Malaysia, the country's first Islamic bank.
2) The three phases of development - the first phase focused on establishing the necessary legal and regulatory framework; the second phase expanded the system to include more Islamic financial institutions; the third phase further developed Islamic capital markets.
3) Key milestones and regulations that helped grow the system, such as the Government Investment Act which allowed Shariah-compliant short-term
ISLAMIC ACCOUNTING PRACTICES - THE IMPORTANCE OFISLAMIC CAPITAL MARKET IN MA...Nur Adillah Arifah Nazri
Capital markets are an important component of the financial system for raising funds for long-term investment. They provide opportunities for diversification of risk through cross-sectional risk sharing. The long-term investments are facilitated through a series of short-term contracts in the form of tradable securities enabling the investors an opportunity to exit or enter through trade. Thus they provide an element of liquidity to the otherwise illiquid assets. The secondary market also provides pricing and valuation of assets on a continued basis thus eliminating arbitrage and inefficiencies
Flores Virent is a new indoor flower plantation business located in Kuala Sungai Baru, Melaka. It is a partnership between three owners - Shadina Shah, Fatin Ashila, and Nurul Najihah. The business will sell seeds of various flowers imported from Holland and provide guidance on indoor planting. Flores Virent aims to encourage an appreciation of nature and offer a relaxing activity for customers. It has selected a prime location in a housing area and plans to expand its branches in the future.
Dokumen tersebut membahas konsep perniagaan menurut Islam yang mengakui pentingnya perniagaan bagi kehidupan manusia. Islam melihat setiap aktiviti, termasuk perniagaan, sebagai ibadah jika dilakukan dengan niat berkenan Allah dan mengikut syariat. Rasulullah SAW sendiri merupakan contoh teladan dalam bidang perniagaan.
Ini ialah panduan asas penggunaan format APA (APA = American Psychological Association) dalam penulisan ilmiah khususnya untuk tugasan-tugasan yang melibatkan banyak sumber rujukan.
The document summarizes key aspects of Malaysia's Hire Purchase Act of 1967, which governs hire purchase transactions. It defines hire purchase, outlines the parties involved and their roles, discusses formation and contents requirements for hire purchase agreements, statutory rights and obligations of hirers and owners, and repossession by owners. Case examples are provided to illustrate application of the Act in Malaysian courts. The Act aims to protect consumers and standardize practices in the hire purchase industry.
Financial Account group assignment on Financial statement of Golden Agricultureamykua
This document provides an overview and examples of key financial statements including:
1) The balance sheet reports a company's assets, liabilities, and owner's equity at a point in time. It divides assets into current and long-term categories.
2) The income statement reports a company's revenues, expenses, and profits over a period of time. It follows revenue recognition and expense matching principles.
3) An example income statement from Golden Agri is presented showing revenues, expenses, and net income.
4) Financial statements provide important information to both internal and external users about a company's financial performance and health.
Dokumen tersebut membahas mengenai pengagihan menurut ekonomi Islam, termasuk definisi pengagihan, kepentingannya, etika aktiviti pengagihan, matlamat aktiviti pengagihan, prinsip pengagihan, pemilik hak sekunder harta seperti zakat, nafkah, faraid, sedekah, wakaf dan kafarat. Juga dibahas mengenai pembahagian pemilikan harta dan pencegahan penyelewengan harta.
Ringkasan dokumen tersebut adalah:
1. Dokumen tersebut merangkum pelan pemasaran untuk telepon genggam Sony Ericsson model K816i, termasuk analisis pasar, sasaran pengguna, kelebihan produk, dan strategi pemasaran.
Great Vision Group is an integrated financial services provider that was established in 1993 and has since transformed and expanded its services. It now provides a one stop financial services platform including life insurance, takaful insurance, general insurance, employee benefits, banking loans, business advisory, funds management, and private retirement schemes. Great Vision has 10 branches across 7 states in Malaysia and aims to provide professional and comprehensive financial planning through its advisory services. It recruits candidates who have sales, marketing or finance backgrounds and offers them career development programs. Great Vision also engages in various marketing activities such as seminars, conventions, and roadshows targeted towards SMEs to promote its services. It utilizes a sales management system to manage client relationships and consultants' performance
Growing & Scaling Your SME - The 4 constraints preventing Your business from ...Roshan Thiran
These are the presentation slides which was presented by Roshan Thiran, founder & CEO of Leaderonomics, at the AmBankBizConference in Penang. You can also find a lot of write-ups by Roshan at www.leaderonomics.com, where he shares more details on the 4 constraints model and other leadership nuggets.
Malaysia Milk Sendirian Berhad was incorporated in 1969 to distribute products manufactured by Malaysia Dairy Industries Pte Ltd, and began manufacturing operations in 1977. It has since expanded its product range to include Vitagen, Marigold HL Milk, Marigold Milk, Marigold Peel Fresh Juice, Marigold Cup Yogurt, and others. The company's vision is to be a global leader in providing nature's ingredients for food and nutrition, while its mission is to enrich customers' daily experiences through the life-nourishing qualities of fruits and vegetables.
Issues and ethics in finance (fin 657) - How hackers steal $81 million in Ban...Hafizah Jupri
The illegal activities undertaken by criminals for financial gain, which exploit vulnerabilities in the use of the internet and other electronic systems to illicitly access or attack information and services used by citizens, business and government.
This document is a business model canvas report for Secret Recipe Cakes & Café Sdn Bhd. It identifies their key partners as Malaysian celebrity ambassador Awal Ashaari and partnerships with GrabFoodMY and Lazada for delivery. Key activities include experimenting with new recipes, providing varied food options, and promotions with celebrities. Secret Recipe offers high quality cakes and food at affordable prices along with good customer service. Their target customer segments are teenagers, families, and middle to high-income groups. Key resources are production facilities, over 350 outlets across Asia, and their well-known brand.
Dokumen tersebut membahas tentang pengertian ekonomi dan konsep ekonomi Islam, termasuk prinsip-prinsipnya seperti kebebasan ekonomi terpimpin, keadilan sosial, dan kampungtangan pemerintah. Dokumen tersebut juga membahas tentang hubungan antara ekonomi dengan ibadah, jihad, dan etika ekonomi Islam.
Hong Leong Bank Berhad (HLB) is one of the largest banks in Malaysia, operating over 200 branches. It began in 1905 as Kwong Lee Mortgage & Remittance Company. HLB offers a wide range of financial services including personal banking, corporate banking, investment banking, and insurance. It has won several awards for its e-banking services. However, some weaknesses include poor customer service management and less trained frontline staff. HLB continues expanding its services and digital capabilities to remain competitive in the banking industry.
Development of the Malaysian Islamic Financial SystemMahyuddin Khalid
This document discusses the development of the Malaysian Islamic financial system. It covers:
1) The historical development of Islamic banking in Malaysia, from the establishment of Lembaga Tabung Haji in 1963 to the passing of the Islamic Banking Act in 1983 which allowed the creation of Bank Islam Malaysia, the country's first Islamic bank.
2) The three phases of development - the first phase focused on establishing the necessary legal and regulatory framework; the second phase expanded the system to include more Islamic financial institutions; the third phase further developed Islamic capital markets.
3) Key milestones and regulations that helped grow the system, such as the Government Investment Act which allowed Shariah-compliant short-term
ISLAMIC ACCOUNTING PRACTICES - THE IMPORTANCE OFISLAMIC CAPITAL MARKET IN MA...Nur Adillah Arifah Nazri
Capital markets are an important component of the financial system for raising funds for long-term investment. They provide opportunities for diversification of risk through cross-sectional risk sharing. The long-term investments are facilitated through a series of short-term contracts in the form of tradable securities enabling the investors an opportunity to exit or enter through trade. Thus they provide an element of liquidity to the otherwise illiquid assets. The secondary market also provides pricing and valuation of assets on a continued basis thus eliminating arbitrage and inefficiencies
Flores Virent is a new indoor flower plantation business located in Kuala Sungai Baru, Melaka. It is a partnership between three owners - Shadina Shah, Fatin Ashila, and Nurul Najihah. The business will sell seeds of various flowers imported from Holland and provide guidance on indoor planting. Flores Virent aims to encourage an appreciation of nature and offer a relaxing activity for customers. It has selected a prime location in a housing area and plans to expand its branches in the future.
Dokumen tersebut membahas konsep perniagaan menurut Islam yang mengakui pentingnya perniagaan bagi kehidupan manusia. Islam melihat setiap aktiviti, termasuk perniagaan, sebagai ibadah jika dilakukan dengan niat berkenan Allah dan mengikut syariat. Rasulullah SAW sendiri merupakan contoh teladan dalam bidang perniagaan.
Ini ialah panduan asas penggunaan format APA (APA = American Psychological Association) dalam penulisan ilmiah khususnya untuk tugasan-tugasan yang melibatkan banyak sumber rujukan.
The document summarizes key aspects of Malaysia's Hire Purchase Act of 1967, which governs hire purchase transactions. It defines hire purchase, outlines the parties involved and their roles, discusses formation and contents requirements for hire purchase agreements, statutory rights and obligations of hirers and owners, and repossession by owners. Case examples are provided to illustrate application of the Act in Malaysian courts. The Act aims to protect consumers and standardize practices in the hire purchase industry.
Financial Account group assignment on Financial statement of Golden Agricultureamykua
This document provides an overview and examples of key financial statements including:
1) The balance sheet reports a company's assets, liabilities, and owner's equity at a point in time. It divides assets into current and long-term categories.
2) The income statement reports a company's revenues, expenses, and profits over a period of time. It follows revenue recognition and expense matching principles.
3) An example income statement from Golden Agri is presented showing revenues, expenses, and net income.
4) Financial statements provide important information to both internal and external users about a company's financial performance and health.
Dokumen tersebut membahas mengenai pengagihan menurut ekonomi Islam, termasuk definisi pengagihan, kepentingannya, etika aktiviti pengagihan, matlamat aktiviti pengagihan, prinsip pengagihan, pemilik hak sekunder harta seperti zakat, nafkah, faraid, sedekah, wakaf dan kafarat. Juga dibahas mengenai pembahagian pemilikan harta dan pencegahan penyelewengan harta.
Ringkasan dokumen tersebut adalah:
1. Dokumen tersebut merangkum pelan pemasaran untuk telepon genggam Sony Ericsson model K816i, termasuk analisis pasar, sasaran pengguna, kelebihan produk, dan strategi pemasaran.
Great Vision Group is an integrated financial services provider that was established in 1993 and has since transformed and expanded its services. It now provides a one stop financial services platform including life insurance, takaful insurance, general insurance, employee benefits, banking loans, business advisory, funds management, and private retirement schemes. Great Vision has 10 branches across 7 states in Malaysia and aims to provide professional and comprehensive financial planning through its advisory services. It recruits candidates who have sales, marketing or finance backgrounds and offers them career development programs. Great Vision also engages in various marketing activities such as seminars, conventions, and roadshows targeted towards SMEs to promote its services. It utilizes a sales management system to manage client relationships and consultants' performance
Growing & Scaling Your SME - The 4 constraints preventing Your business from ...Roshan Thiran
These are the presentation slides which was presented by Roshan Thiran, founder & CEO of Leaderonomics, at the AmBankBizConference in Penang. You can also find a lot of write-ups by Roshan at www.leaderonomics.com, where he shares more details on the 4 constraints model and other leadership nuggets.
This document provides information about an assignment for an entrepreneurship course at SMU MBA. It gives details of the assignment questions related to topics like classification of entrepreneurs, Kao's model of entrepreneurship, challenges of establishing an enterprise and being an entrepreneur, importance of enterprises in a country's economy, similarities and differences between small enterprises in India and abroad, intrapreneurship, social problems faced by women entrepreneurs, role of economic development corporations, and evaluation techniques for programs. It also provides contact information to get fully solved assignments for SMU MBA's Spring 2014 semester.
The document is a report on an internship project completed with Edelweiss Broking Limited. It begins with acknowledging those who supported the internship. Edelweiss is an Indian financial services firm that offers investment banking, brokerage, asset management, wealth management, and other financial services. The report provides an overview of Edelweiss, its products and services, competitors, and the intern's activities during the project. It concludes with lessons learned from the internship experience.
INTERNSHIP REPORT ON MUSLIM COMMERCIAL BANK.
Submitted in partial requirement for the degree of Bachelor of Business Administration Department of Management Sciences
Faculty of Commerce, Economics & Management Sciences
ISRA UNIVERSITY, Hyderabad Spring 2017
This document is a group case report submitted by students for their Managing People in Organizations course. The report investigates the impact of various motivational factors on job satisfaction levels of employees at Union National Bank in the UAE. It includes a literature review on motivation theories and factors related to job satisfaction. A survey was conducted of 50 UNB employees. The results were analyzed and compared to regional job satisfaction data. Key findings from the primary data regarding motivation factors and their relationship to overall job satisfaction are presented. The report also provides recommendations and limitations.
- Pambudi Sunarsihanto is currently the HR Director of Citibank Indonesia in Jakarta.
- He has over 20 years of experience in human resources leadership roles in multinational companies like Nokia, Telkomsel, and Citibank across Asia.
- Citibank is a global bank with over 275,000 employees serving clients in over 160 countries.
Key driver of the Insurance business are the Insurance Agents, who are Entrepreneurs. But it is really sad that our entire training and competence building exercise for them revolve around the motivation, sales skills and product. In my ten years of industry experience, I haven’t come across any training module, which talks about entrepreneurship. This is also true for many industries or corporation as entrepreneurship is valuable all across. This workshop is must do for all those, who aspire to become a successful Insurance Agents or aspiring for a start up or managing business in any corporations.
LASSIB 2013 industry advisory report on learning developmentLASSIBSociety
The document provides an industry advisory report on learning and development from a panel discussion held by the LASSIB Society. The report summarizes the current state of learning and development in industry, key challenges around alignment to organizational goals, quality of trainers, participant mindset, and post-training effectiveness. It identifies common influencers like the organization and learning framework perspectives. Finally, it outlines key interventions needed like aligning L&D goals to organizational goals and creating a culture of learning.
This document is a case study analysis of Sim Lian Group Limited, a property development and construction company in Singapore. Some key points:
- Sim Lian Group has over 30 years of experience in the construction industry in Singapore and was listed on the Singapore stock exchange in 2000.
- The company has two core activities - property development and construction. It is known for high quality developments and customer service.
- An analysis is presented of the company's latest development, Tampines Trilliant, an Executive Condominium. Competitors in the area are identified as a potential threat.
- The company has a strong reputation but faces threats from other developers who also build Executive Condominiums
This document provides an overview of Anand Rathi Commodities Limited, an Indian financial services firm. It details the company's vision, business lines including wealth management, investment banking, brokerage and distribution. It lists the company's locations, corporate structure, board of directors, key business heads and awards. It outlines the brokerage and distribution services offered across equities, derivatives, commodities and other asset classes. The document highlights the company's research capabilities, client base and presence across India as well as internationally.
Chapter 01 [Part 1] Foundations of Business Economics (1).pptxAfifur3
This document discusses why business is studied and provides an introduction to business concepts. It covers five reasons for studying business: 1) increasing dependence on others, 2) international opportunities, 3) standard of living, 4) coping with change, and 5) preventing misconceptions. It defines what business is as the exchange of goods, services, or money for mutual benefit or profit. Finally, it outlines the key people in business as owners, managers, employees, and consumers and discusses common business objectives like survival, growth, social responsibilities, and profit.
Piseth Kham is the president and founder of PM Leadership, a leadership development organization in Cambodia. He has over 10 years of experience in leadership roles and has provided training to organizations in Cambodia and internationally. Piseth's areas of expertise include personal and organizational leadership development, management, and team building. He works to bring international speakers to Cambodia to help local entrepreneurs learn from top business leaders.
This document summarizes a workshop on business innovation and trends hosted by Bamboo Innovators. The workshop teaches companies how to stay resilient and scale their business by becoming "Bamboo Innovators" who can bend but not break. It provides insights into innovative companies like iFlytek and lessons on disruptive industry trends, business models, and CEO leadership. The workshop consists of three sessions on timely opportunities, innovations, and developing people-oriented leadership. Previous participants provided positive testimonials on gaining a new perspective and applying lessons to their own companies.
Meta is a consulting firm that partners with clients to transform leadership, renew culture, and develop human potential through strategic initiatives. They help organizations design and facilitate interventions to address immediate and future challenges. Meta's services include strategic planning, leadership development, dispute resolution, and training programs. They work closely with clients to understand their unique needs and design customized solutions.
An introduction to the Institute of Advanced Leadership (and its Chairman, To...Tony Lenart
The document provides information about the Institute of Advanced Leadership (IAL), including its mission to create billions in additional profits for clients and contact information. It then introduces Tony Lenart, the International Chairman and Senior Trainer/Consultant of IAL. The rest of the document discusses IAL's work helping major companies like Commonwealth Bank, Cisco Systems, MTN, and Orient Bank achieve significant growth and increases in profits, market share, and assets. IAL achieves this through training, leadership development, consulting, and by creating the right conditions for great results.
The document describes Bizpunditz Learn-Pad, a video library of over 20 hours of content from over 30 top Indian business leaders. The Learn-Pad package includes an iPad loaded with over 200 videos covering topics like leadership, innovation, marketing and more. It is designed to help trainers make their sessions more effective by incorporating real-world examples and anecdotes from prominent business figures. Some key customers who have implemented Learn-Pad include ING Vysya Bank. The company was founded in 2011 to create India's first digital learning library and has delivered its content to over 1200 professionals across industries.
1. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
Lord Ashcroft International Business School
Marketing Essentials
Module Code: BB115009S
Academic Year: 2011/2012
Semester: Two
Student ID Number: 1130873/1
1
2. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
Contents
Contents……………………………………………………………………….…….2-3
1. Company overview
1.1 History- summary…………………………………………………….…..4
1.2 Branches……………………………………………………….………….5
1.3 Vision and mission………………………………………………………5
1.4 Brands –product and services……………………………….…..…….6
1.5 Business Description…………………………………………....………6
1.6 Board of director……………………………………………….…...…...7
1.7 Financial Statement………………………………………………………8
2. SWOT analysis……………………………………………………..…….…..9
2.1 Strength………………………………………………………..……….…9
2.2 Weakness………………………………………………………………..10
2.3 Opportunity………………………………………………………………11
2.4 Threat…………………………………………………………….……….12
2.5 Key competitor……………………………………………….………….13
3. New idea or service for the company………………………...…………..14
3.1 Special CIMB Group Office……………….…………………………...14
3.2 Printed material in multi-language…… ……………………...………14
3.3 Increase the Excellent criteria (Multi-language) for staff…….…….15
3.4 Drives through agencies (Malaysia and Oversea)…….…………….15
4. Budget plan…………………………………………………...……………..16
4.1 Implementation………………………………………………………….16
4.2 Financial forecast……………………………………………………….17
4.3 Cost analysis…………………………………………………………….18
2
3. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
5. Gap analysis……………………………………..………………………….19
5.1 The recommendation and future marketing strategy….……………20
5.1.1 Price………………………………………………………………20
5.1.2 Place…………………………………..…………………………21
5.1.3 Product…………………………….…………………………….21
5.1.4 Promotion…………………..………………………………...…21
6. Summary………………………………..……………………………………22
7. Reference…………………………..………………………………………23-24
8. Appendix……………………..………………………………………………25
8.1 Brands (product and services)………….……………………………..25
8.2 Business description………………….…………………………...…..26
3
4. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
1.0 Section 1- Company overview
1.1 History-summary
CIMB Group Holding Berhad (Commerce International Merchant bankers BHD)
has a lot of process to be a regional universal bank operating in high growth in ASEAN.
A history that speaks of a pioneering spirit in Malaysian’s banking landscape of
synergistic achievement.
The first branches was open in Kuching Malaysia in 1924 by using name is
BianChiang Bank by Wee Kheng Chiang by manage the business financing and
issuance of bills of exchange. In 1986, Bank of Commerce replaced Bank Pertanian as
the controlling shareholder of Pertanian Baring Sanwa Multinational, following which its
name was changed to Commerce International Merchant Bankers Bhd (CIMB). These
companies become modern and thriving financial institution in 1990 century and
operation in Malaysia and Singapore.
In 2000 century, this banking company made the new brand such as CIMB
Niaga, and launch CIMB Islamic in 2003. There also formatting of CIMB-Principal
(2004) International Investment banking operation (2004), restructuring CIMB Group
exercise and launch of CIMB Group as a Regional Universal Bank in 2006. In 2007, this
bank was launch of CIMB Foundation. Principal Islamic Asset Management was launch
in 2008 and in 2009, CIMB Thai officially launch and launched of CIMB Singapore. In
2010, the first branch was open in Phnom Penh on 19 November (CIMB Annual Report
History, 2011).
CIMB Group was provided Corporate Entities such us CIMB Investment Bank,
CIMB Bank, CIMB Islamic, CIMB Niaga, CIMB Securities International and CIMB Thai.
The retail branch of CIMB Group now day was across ASEAN region and investment.
There organized the Consumer Banking, Corporate Banking & Markets & Institutional
Banking and Group Asset Management, Insurance and Takaful also CIMB Islamic
(CIMB Profile, 2011).
4
5. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
1.2 Branches
This banking company was has major global financial centre and covering
ASEAN with 14 countries such as Malaysia, Indonesia, Singapore, Brunei, Cambodia,
Myanmar, Vietnam and other countries like Bahrain, China, Hong Kong, India, Sri
Lanka, UK, and USA. Another country that joint with CIMB Group as customer has
significant business and investment dealings. This banking company headquartered in
Kuala Lumpur, Malaysia (CIMB About us, 2011).
In addition, this group have smart partnerships such us the Principal Financial
Group, Aviva plc, Bank of Tokyo-Mitsubishi UFJ, Standard Bank plc, and Daewoo
Securities, and among others (CIMB Profil,2011).
1.3 Vision
According to the annual report in 2011, this group vision is to be the leading
ASEAN franchise in 2015 (corporate report, 2011).
Mission
This group mission is “We want in our people to driven a culture driven by
innovation to deliver quality service whilst providing superior returns and value to our
stakeholders. The core values of CIMB employees are; Integrity, Innovation, Client
Orientation, Teamwork and Efficiency” (About us, 2011).
5
6. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
1.4 Brands (product and service)
These companies believe can harnessing the scale and diversify of ASAEN.
There always welcome the difference of the opinion, culture and language and
embracing diversity.
By use this slogan “ASEAN FOR YOU” these companies committed increases
their service to creating the value and the needs of the customers (source: Our brands,
CIMB Group, 2011). The brand of the CIMB group will shown on appendix 1 which
includes CIMB group, CIMB, CIMB Bank, CIMB Niaga, CMB Thai, and CIMB Islamic.
1.5 Business description
CIMB Group today operates across ASEAN under several corporate entities.
They include CIMB Investment Bank, CIMB Bank, CIMB Niaga, CIMB Securities
International and CIMB Thai (Business description, 2011)
This banking company business lines in main market of Malaysia, Indonesia,
Singapore and Thailand are organized primarily across the following areas. The detail of
the CIMB Group business will show in Appendix 2 which includes the Consumer
Banking, Corporate and institutional banking and markets, and Group Asset
Management, Insurance and Takaful.
6
7. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
1.6 CIMB Board of Director- CIMB Group Leader
Chairman/ Non-Independent Non-
Executive Director
Tan Sri Dato’ Md Nor Yusof (Malaysian)
Group Managing Director/ Chief Executive officer
Dato’ Sri Nazir Razak (Malaysian)
Independent Non-
Non-Independent Executive Director
Non-Executive
Director Datuk Dr. Syed Muhamad
Syed Abdul Kadir (senior)
Hiroyuki Kudo (Malaysian)
(Japanese) Dato’ Hamzah Bakar
Dato’ Robert (Malaysian)
Cheim Dau Meng Dato’ Zainal Abidin Putih
(Malaysian) (Malaysian)
Katsumi Hatao ( Cezar Peralta Consing
Japanese) (Filipino)
Glenn Muhammad Surya
CIMB Group Management Yusuf (Malaysian)
communities Watanan Petersik (Thai)
Dato’ Dr. Gan wee Beng (Deputy
Chief Executive Officer, Group risk
management)
Dato’ Charon Wardini Mokhzani
(Deputy chief executive Officer, Group
and Investment Banking)
Subhak Sirawaraka (President/ Chief
Executive Officer CIMB Thai public
company Limited)
Mak Lye mun ( Chief Executive
Officer, CIMB Bank Singapore)
Kenny Kim ( Group Chief Financial
Officer, Group Strategy and Finance)
Badlisyah Abdul Ghani ( Islamic
Banking)
Iswaran Suppiah ( Group Information
and Operations)
Lim Tiang Siew ( Group Chief Internal
Auditor)
Hamidah Naziadin ( Group Corporate
Resource)
Kong Sooi Lin ( Investment Banking)
Effendy Shahrul Hamid (Group
Marketing and Information)
The CIMB Group Holding BHD board of director was taken from 2011 annual report.
7
8. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
1.7 Financial performance
Financial statement year ended 31 December 2011(Annual report 2011)
Consolidated Statement of Income and
Consolidated Statements of Financial 2011 (RM'000) 2010 (RM000) 2009 (RM'000) 2008 (RM000) 2010 (%) 2009 (%)
Position
Net interest income 6,676,251 6,604,775 6,068,906 4,660,596 8.83 30.22
net non-interest income 5,445,778 5,273,428 4,414,245 2,961,777 19.46 49.04
Overheads 6,629,912 6,613,304 5,551,847 4,025,217 19.12 37.93
Profit before allowances 5,492,117 5,264,899 4,931,304 3,597,155 6.76 37.09
Allowance for impairment losses on
loan,advances and financing 487,343 607,176 1,022,605 794,715 -40.62 28.68
Profit before taxation 5,203,142 4,626,717 3,791,293 2,694,107 22.04 40.73
Netprofit for the financial year 4,030,798 3,500,803 2,786,232 1,930,486 25.65 44.33
Gross dividens paid 1,486,555 1,992,167 881,865 836,868 125.9 5.38
Loans, advance and financing 183,838,777 159,181,385 117,382,074 95,904,058 11.95 21.14
Total assets 300,152,709 269,365,244 207,090,759 182,801,239 12.24 15.88
Deposits from cutomers 221,933,142 199,845,664 146,890,210 126,866,791 11.72 21.78
Total liabilites 273,289,549 245,062,045 188,278,166 165,946,629 12.76 15.43
Shareholders' fund 25,936,470 23,229,966 17,099,203 15,710,051 14.18 18.98
commitments and contingencies 414,197,407 349,069,257 321,678,842 267,168,733 8.11 0.38
Ratios
Core capital ratio (CIMB Bank) 15.26 14.47 14.81 10.75 -2.3 37.77
Risk-weighted capital ratip (CIMB Bank) 17.59 15.36 15.06 13.9 1.99 8.35
Return on average equity 16.4 16.19 14.88 11.77 8.8 26.42
Return on total assets 1.34 1.3 1.16 0.93 11.94 24.55
Cost on income ratio 54.69 55.68 52.96 52.81 5.13 0.29
Cost to total assets 2.21 2.46 2.31 1.94 6.13 19.02
Gross impaired/ non-performing loans to
gross loans 5.11 6.14 4.98 4.94 23.26 0.79
Loans loss coverage ratio 81.12 81.12 90.76 88.05 -10.63 3.08
Loan deposit ratio 82.84 79.65 79.49 79.91 0.21 -0.53
Equity to assets 8.64 8.62 8.48 8.26 1.73 2.67
Equity to loan 14.11 14.59 14.31 14.57 1.99 -1.78
Other information
Earnings per share (sen)
Basic 54.23 48.72 39.47 28.59 23.44 38.03
Fully diluted n/a n/a n/a 28.88 n/a n/a
Net tangible assets pershare (RM) 2.15 -41.31 22.53
Gross dividend per share (sen) 20 36.58 25 25 46.3 0
Numbers of shares In issue ('000) 7,432,775 7,432,775 3,531,766 3,578,078 110.45 -1.29
Weighet average number of shares in
issue ('000) 7,432,772 7,186,034 7,059,934 6,751,796 1.79 4.56
Share price at year-end (RM) 7.44 8.5 12.84 5.85 -33.8 119.49
Number of employees 40,244 36,984 35,922 31,932 2.96 12.5
Resource: CIMB Annual Report (financial statement) 2011
8
9. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
2.0 SWOT Analysis of CIMB Group Holding BHD.
Every company has the present about the performance. Those companies have
their strength, weakness, opportunity and threat. CIMB Group Holding BHD also has
their own SWOT analysis for their company.
2.1 Strengths
Diversified business mix
CIMB Group operates the business across ASEAN by provides consumer,
investment, Islamic and private banking product and services worldwide (CIMB
Business, 2011). In addition this company also offers asset management, wealth
management, insurance product and services, foreign exchange, engage in the fund
management and so on.
This business was operate under several corporate entities that include CIMB
Investment Bank, CIMB Bank, CIMB Islamic, CIMB Niaga, CIMB Securities International
and CIMB Thai (CIMB, Our business, 2011). The mixed business that provide by CIMB
Group is the strength of this Malaysian Banking Company.
Higher returns
This company has the positive performance on the profit in year 2011. The profit
percentage was increase 44.49% from 2009 until 2011. CIMB Group reported a record
net profit of RM 4,031 billion for year 2011, which is increase 15.17% from 2010 net
profit (Annual Report, 2011).
This banking company has the higher return every year from 2008 until today,
best on the income statement. Positive performance on the return is the strength of this
company.
9
10. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
2.2 Weaknesses
Under performance of GAM &Insurance & Takaful
CIMB Group’s fund management business was managing by Group Asset
Management (GAM). GAM manages both conventional and Shariah-compliant
institutional and retail funds over a wide range of asset classes and geographies (Our
Businesses, CIMB Group, 2011).
The asset management was operated by CIMB-Principal Asset Management,
CIMB-Principal Islamic Asset Management, CIMB Wealth Advisors (CWA), CIMB-
Mapletree Management, CIMB Trust Capital Advisors, Cap Asia, and CIMB Private
Equity and Venture Capital (PEVC).
Meanwhile, all the CIMB Group insurance and Takaful joint ventures and the
Development of Bancassarance were managed by Insurance and Takaful Group (CIMB
Group, Business Description, 2011). Managed by other party is the weakness of CIMB
Group.
Rise in None Performing loans & loan loss provision
Rise in the non-performing loans and loan loss provision also the disadvantage
of this company. The non-performing loan ratio to an all-time low of 2.0% from the 2.3%
in 3Q09, while loss coverage to 90.85 from the b=86.7% in the previous quarter 2011
(investment research, 2011). That mean the all-time for the non-performing loan was
increase. So this is the weakness for the CIMB Group.
The rises of the non performing loan effect the provision that have. Because of
the increasing of the value, the provision was effected. So that can loss the provision
they have for loans. We see this as weakness for the CIMB Group.
10
11. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
2.3 Opportunities
Growing Global Islamic Finance market
CIMB Group has the opportunity to growing the global Islamic finance market.
This is because the CIMB Islamic is the main branding that there have. This group have
a lot business consists of Shariah advisory, debt market and so on. CIMB Group
Business has the higher requirement from the banking market and higher user in
Islamic Banking management (About us, 2011)
CIMB Group needs to change the perception to be global market especially for
the Islamic Finance market. This opportunity must be used to be a strong Company.
High investment opportunity
CIMB Group has the opportunity to invest their product and service especially in
Sri Lanka. This economy country is very good that the GDP growth of 4.8% over the
past 30 years despite the tolls of market. In the last 5 years, GDP per capita has
doubled to US$2863 from US$1244 in 2005- more than twice that India and Pakistan,
and four times that of Bangladesh (CIMB Group, Plan 21 December 2011)
CIMB Group can provide the brands they have like CIMB Islamic, CIMB
investment bank and CIMB bank that provide the financial management (personal and
corporate) and so on that needed from the consumer and customer in Sri Lanka.
11
12. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
2.4 Threats
Global economic imbalances
The imbalance of economic global also affected the CIMB Group performance in
future. By seeing the future and the present economic situation, we can see that global
economic was going down because off the recession in 2008 until 2010 (Economic
Global Report, 2011). This problem effected the economic global even though America,
Europe, and another strong economic also affected.
As a growing countries Malaysia also effected and facing the problem. So, the
imbalances of global economic is a threat of the all company accept CIMB Group. In
this situation this group must know to maintain their performance.
Stiff competition
In this banking term, CIMB Group has a stiff competition. This company has their
own competitor like Malayan Banking BHD, Public Banking BHD and so on. But this is
the most completive competitor that CIMB group need to match.
Even though CIMB Group is a largest banking company, there has need to see
this competitor. This is because the competitors have their own planning to be a good
banking company in the future. In the banking industries, CIMB Group has stiff
competition
12
13. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
2.5 Competitor of the CIMB Group
There are too many competitor of the CIMB Group, the major competitor of this
group is May Bank investment Bank, AMMB Holding BHD, and DBS Group Holding ltd
(CIMB Top competitor, 2011)
May Bank Group
May Bank group is the leading financial services provider in Malaysia catering to
the needs of customer, investors, entrepreneurs, non-profit organizations and
corporations. The group which has expended internationally has the largest network
among Malaysian banks of over 2100 branches of offices in 17 countries, employing
42000 May bankers and serving over 21 USD 135 billion, and market capitalization
USD22.0 billion with total equity and total net profit of USD 10.8 billion and USD 1.5
billion respectively (May Bank Home, 2011)
AMMB Holding Berhad
AMMB Holding (which trades as Am Bank Group) control dozen of subsidiaries
and titillates, providing individuals and business with a ranges of financial services and
product thought some 1750 offices. The company allocate in Kuala Lumpur Malaysia by
operates business and investment banking, insurance, and Islamic Financial services.
Services include asset management, commercial banking futures trading, offshore
banking, property trust management, retail financial and securities services (AMMB
Holding Berhad, 2011)
DBS Group Holding ltd
This bank is the largest bank in Singapore and a significant presence throughout
Southeast Asia by offer personal and private banking. The company also has around
Thailand, Hong Kong, Plus Operations China, India, Indonesia, Malaysia, The
Philippines and Taiwan. DBS group owns a 20% stake in the bank of the Philippines
Island (That country management, private equity, and equipment and trade finances
(DBS Group Holding, 2011)
13
14. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
3.0 The suggestion service for CIMB Group (new idea)
CIMB group now day is become the universal banking company which occupied
the ASEAN market. As a universal banking company, CIMB Group needs to provide the
best banking services in globally. “Forward to Be the Best Banking Services” with
this slogan this group can create the value and to serving the needs of the difference
customers across the region.
The slogan that created is to make sure this group becomes the best bankers in
global banking service, the best ways or solutions is necessary taken. To be the best
bankers in globally banking service, CIMB Group needs to take the best ways which is:
3.1 made special CIMB group office
CIMB Group needs to make the special office or branches that provide personal
and corporate services in multi-language. CIMB Group must build and provide the new
special offices that provide the drive through services. The office is very important to
make the customer easier to done the business that want to do. CIMB Group can make
the office at the strategic area such us at petrol station, nearby shopping center and so
on by provide the check deposit, credit card application form and so on that needs to
fulfill the customer needs and wants.
3.2 Make all printed material in multi-language
Material is very important to present the performance has achieved. CIMB Group
needs to provide the all printed material in multi-language. The language that provide
must diversify especially the language that has services and branches before that in
ASEAN. The language that needs to provide is English language, Japanese language,
Thai language, Arabic language, Spanish language, Chinese language and so on that
necessary to. The material printed like credit card application form, account application
form, material information and so on that necessary needs to make sure the customer
needs and want is filled. CIMB Group needs to provide this services to be a best
globally bankers.
14
15. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
3.3 Increase the excellent criteria (multi- language) for staff
As a Universal banking company, CIMB Group needs to provide the excellent
services especially in the customer services. This is because CIMG Group facing too
many customers from differences race and religion. By trends everybody (staff) by
giving opportunity to study, the employee able to speak in multi-language. He excellent
criteria services like multi-language is very important for this group. The excellent
criteria (multi-language) must provide by CIMB Group in the bank services.
3.4 Specialized drive through agencies (Malaysian and Oversea)
Drive thru is very important to make the customer easier to do the business.
CIMB Group needs to make the special agencies that provide the drive through
services. The services that need to be like deposit cash, cheque deposit, cash deposit,
transfer transaction, and so on. This drive through services must provide in Malaysian
and in oversea. This service is very important to fulfill the customer needs and want.
CIMB Group needs to have more drive thru services in Malaysia and in oversea.
Suggestion Drive Through picture
Inside the building
15
16. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
4.0 The budget plan
During launch the new product and services, the implementation table, financial
forecast and the cost analysis. The implementation table is necessary need to make
sure that the product and services reach to the customer as the user. Cost of the new
product and services also shown on cost analysis and forecast cost.
4.1 The implementation table
One year Implementation
Month of year/ contents Jun-12 Jul-12 Aug-12 Sep-12 Oct-12 Nov-12 Dec-12 Jan-13 Feb-13 Mar-12 Apr-13 May-13
Advertising
Sales promotion
Direct marketing
Personal selling
Sponsorship
> the planning of the implementation during launch the product
The implementation table is including the advertising, sales promotion, direct
marketing personal selling and sponsorship for CIMB group in one year. The
implementation is necessary to make the best planning during launching the new
product and services.
The implementation program was implemented in two times which is every six
month in one year base on the budget that has plan. The product and services was
launch in the middle of year 2012 which in early Jun. the
16
17. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
4.2 Financial forecast
This is assumption on the financial forecast which in three year that includes the
expected sales, expected profit, and expected costs.
Financial forecast
Items RM'000
May 2012- May 2013
Expected Profit 10500
Expected Sales 85500
Expected Costs 75000
June 2013- May 2014
Expected Profit 20000
Expected Sales 90000
Expected Costs 70000
June 2014- May 2015
Expected Profit 27500
Expected Sales 95500
Expected Costs 68000
Assumption of the financial forecast in 3 year
The financial forecast cost is expected in three year that from Jun 2012 until may
2015. The expected cost was decrease because the services or the drive thru
machinery is as still in good condition which in 2014 decrease 7.14% and in 2015 also
decrease 2.94%.
The expected sales and the expected profit was increase because of the positive
response from the customers.
17
18. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
4.3 Cost analysis
The cost analysis includes the product, pricing, promotion, and place.
Cost analysis
Cost Analysis RM'000 RM'000
product/services
Packaging 7500
banking 5500
Even both 4500
Total 17500
Pricing
material cost 8500
manufacturing cost 5500
staff cost 3500
event cost 4000
Total 21500
Promotion
Adverstising 5500
sales product 4500
Direct market 5000
Personal selling 3500
Total 18500
Place
location banking 8500
special License 2550
Other 2500
Total 13550
Grand Total 71050
The cost analysis is including the product/service, pricing, promotion, and place.
This item is the cost that needs to incur by CIMB Group during launch the services. the
cost analysis assumption is in one year.
18
19. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
5.0 The Gap Analysis
The gap analysis generally use to activity of studying the difference between
standards and the delivery of those standards.
The difference could be used to explain satisfaction and to document areas in
need of improvement. For CIMB Group, there at the recommendation of the future
marketing strategy need to during launch the services and product in 3 year to become
a best globally bankers services.
19
20. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
5.1 The recommendation and future marketing strategy to close the gap
The future marketing strategy is focus on the price, place, product and
promotion. The strategy must relevant to make sure the product and services can fulfill
the need and want of customers.
5.1.1 Price
Price of the service which current and for the new idea (drive through service).
Current charge at Drive through charge
Product and services/ Items CIMB Group office (assumption)
Cash withdrawal at CIMB Bank ATM Network in
Malaysia No charges RM2 per transaction
Cash withdrawal at MEPS Shared ATM Network
in Malaysia RM1 per transaction RM4 per transaction
Cash withdrawal at CIRRUS And Plus ATM Network M10 per transaction RM15 per transaction
R
Cash withdrawal at MEPS Overseas Shared ATM
Network (ARTAJASA / ITMX / NETS) RM10 per transaction RM 15 per transaction
Funds Transfer to member banks of MEPS
Shared ATM Network RM1 per transaction RM3 per transaction
Replacement of ATM cards / PIN RM12 RM14 per transaction
Electronic Share Application (ESA) RM2.50 per applicationRM 4 per transaction
ATM card annual fee RM8 RM 10 per transaction
Manual Share Application Through ATMs Free RM2 per transaction
Utility Bill Payments Through ATMs Free RM2 per transaction
Deposit cheque Free RM5 per transaction
Application form Free RM3 per transaction
Material printed Free RM2 per transaction
The price of the services and product is must be suitable with the value of the
services and product provide. “The real issue is value, not price” said by Robert T.
Lindgren. Now day, most of the people want to hurry and fast to do something. For
drive thru services, that can make the customers done the business as fast as possible
they can. They customer just want they need and want.
CIMB Group can charge with the fixed price for the transaction. Then for those
who have the CIMB Card can pay via they card without cash. The payment makes
customers easier to past without prepare cash. The prices of the drive through
assumption almost increase on the price before (current charge). The transaction
charges depend on the risk of the services to fulfill the customer need and wants.
20
21. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
5.1.2 Place
Place is very important during launch the services and product. The groups need
to provide the special agencies office in the CIMB Group office before. Provided the
services can make the customer easy to find and ask about the services provide. For
the drive thru services, the group can provide it on petrol station, nearby shopping
centre and other place if necessary. The place must make the customer easy to reach,
go and find it as a conclusion must be fulfilling the customers want and need.
5.1.3 Product
Product is the most important in the marketing plan. The product must necessary
fulfill the need and want of the customers. The drive thru and special agencies office is
necessary for the customer. By provide the services like provide printed material in
multi-language, cheque deposit, application form on drive thru service, the customers
can easier to do the business and those things. The services provide in special
agencies also make the foreign to reach they needs. To close the “gap” the service
must fulfill the want and needs of the customer like these services.
5.1.4 Promotion strategy
During launch the services, the promotion must be include in the group
managing. In using the sales promotion, a company must establish the objectives,
select the tools, develops the program, pretest the program, implement and control it,
and evaluate the result. The promotion tools use is sales selling, fairs and exhibitions,
advertising, personal selling and sponsorship. The promotion use need must be
persuasively communicate customer value and build customer relationship (Philip Kotler
et al 2010).
To launch the service, promotion like advertising, those include media (news
papers, journal, catalog, and television) also the internet advertising. The promotion
must elaborate the services provided which multi-language material. The promotion
activities is very important to create customers awareness, inform, and influence them
to use the services provide.
21
22. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
6.0 Summary
CIMB Group is the universal bankers and launches the services and product
across ASEAN. The group has the good performance and receive awarded as a best
banker during operate. The performance for the earning income was increase from
2008 until 2011 (annual report, 2011).
To be a globally bankers company, they are solution need to which is made drive
through services, increase excellent criteria (multi-language), material printed, and
special CIMB Group office. The new idea that suggest is influence the CIMB Group
performance.
3294 words
22
23. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
7.0 Reference
Book source
Philip kotler, Swee Hoon Ang, and Chin Tiong Tan, 1999, Marketing
Management an ASIAN Prospection, second edition, Singapore: Prentice Hall
(Singapore) Pte Ltd
Philip Kotler, Kevin L.K., 2009, Marketing Management, 13th edition, Pearson
International Edition.
Malcolm Mc Donald, Hugh Wilson, Marketing Plan- How to Prepare Them,
How to Use Them, 2011, 7edition, John Wiley & Sons Ltd, United Kingdom.
Philip Kotler, Mairead Brady G. , Kevin Lane Keller, Marketing Management,
2009, First edition, Pearson education limited, Edinburg Gate, Harlow.
Internet source
CIMB Group achievement (Best Internet Services in Malaysia, 2011),
[online] available at: http://www.4-traders.com/CIMB-GROUP-HOLDINGS-BHD-
6491205/news/CIMB-GROUP-HOLDINGS-BHD-CIMB-Bank-is-Best-Internet-
Bank-in-Malaysia-13897993/ [access at: 10 February 2012]
CIMB Business Description, 2011, [online] available at;
http://investing.businessweek.com/research/stocks/snapshot/snapshot_article.as
p?ticker=CIMB:MK [access at: 10 February 2012]
CIMB Group earning statement, 2011, [online] available at:
http://www.cimb.com/index.php?ch=g2_ir_fin&pg=g2_ir_fin_earning&tpt=cimb_gr
oup [access at: 13 February 2012]
CIMB Group financial report, 2011, [online] available at:
http://www.reuters.com/finance/stocks/companyProfile?symbol=CIMB.KL [access
at: 13 February 2012]
CIMB Group Investment news 2011, [online] available at: http://www.4-
traders.com/CIMB-GROUP-HOLDINGS-BHD-6491205/news/CIMB-GROUP-
HOLDINGS-BHD-Invest-Sri-Lanka-Opportunities-in-a-new-era-13913514/
[access at: 13 February 2012]
23
24. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
CIMB Group corporate social responsibility 2011, [online] available at:
http://www.cimb.com/index.php?ch=g2_csr&pg=g2_csr_content&tpt=cimb_group
&uc=1 [access at: 23 March 2012]
CIMB Group financial overview 2011, [online] available at:
http://www.cimb.com/index.php?ch=g2_ir&pg=g2_ir_content&ac=1&tpt=cimb_gr
oup [access at: 12 March 2012]
CIMB Group coverage analysis 2011, [online] available at:
http://www.cimb./index.php?ch=g2_ir&pg=g2_ir_news&ac=430&tpt=cimb_group
[access at: 10 march 2012]
Malaysian top banking websites in 2011, [online] available at:
http://mytechknowledge.com/uncategorized/top-10-banking-websites-in-
malaysia-in-2011/http://mytechknowledge.com/uncategorized/top-10-banking-
websites-in-malaysia-in-2011/ [access at: 10 march 2012]
CIMB Group achievement 2011, [online] available at:
http://polaris.canang.com/archives/61-30-Best-Companies-to-Work-in-
Malaysia.html
List of largest bankers in Malaysia, [online] available at:
http://skorcareer.com.my/blog/10-top-and-largest-banks-in-malaysia/2007/12/23/
[access at: 26 march 2012]
24
25. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
Appendix 1
Brands (product and service)
CIMB Group
This group was represent the universal banking in ASEAN
and the other market such us, UK, USA, China, Hong Kong,
Bahrain, and Sri Lanka. This group offers consumer banking,
investment banking, treasury, asset management and insurance
product and services.
CIMB
CIMB represents the leading investment services asset.
Also provide the asset management and private banking
franchise for the customer. The bank has branches in Hong Kong
and London, China and Myanmar.
CIMB Bank
This bank was representing the consumer bank services
and the corporate franchise in Malaysia, Singapore and
Cambodia.
CIMB Niaga,
This group was providing the comprehensive range of
conventional and Shariah banking product and services with over
750 branches in Indonesia. This CIMB Niaga represents the
customers and corporate banking franchise.
CIMB Thai
CIMB Thai provide the franchise services for consumer
and corporate in Thailand. In 2008, this banking was the largest
shareholders after purchasing a stake in Bank Thai from the
Financial Institutional Development Fund.
CIMB Islamic
CIMB Islamic is the global Islamic banking and finance
fir CIMB Group. These banks provide the Shariah-compliant
financial solution in investment banking, Takaful, asset
management, private banking and wealth management (source:
CIMB Brands, 2011)
25
26. Student ID Number: 1130873/1
Module Subject: Marketing Essentials
Appendix 2 Business description
Consumer Banking
This group provided consumer sales distribution, retail
financial services, commercial Banking and personal financing
services. In 2011, had an excellent year and improved the asset
quality and commercial banking portfolio also delighted with the
expectation retail deposit growth there achieve (Business review,
annual report 2011). The services were operating in Malaysia,
Indonesia, and Singapore and Thailand.
Corporate and institutional banking and markets
Corporate Client Solutions, sales and marketing group has
managing the corporate and institutional client. The lending,
equities, advisory products and service s was manage by the
Corporate & Investment Banking. In addition, the Treasury &
Investment has responsibility to the debt capital markets, group’s
treasury and managing the balance sheet (source: Our Business,
2011).
Group Asset Management, Insurance and Takaful
These groups have responsibility to manage the CIMB
Group’s fund by managing conventional, retail fund and the
Shariah-complaint institutional. Moreover, all the insurance and
Takaful was mange by the Group Insurance & Takaful based on
the country capabilities and needs. Allianz is the joint ventures of
this group with insurance provider. CIMB- Principal Asset
Management, CIMB Principal Islamic Asset Management, CIMB
Wealth Advisors (CWA), CIMB- Maple tree Management, Cap
Asia, CIMB Trust Capital Advisors, CIMB Private Equity and
Venture Capital (PEVC) is the subsidiaries that manage the CIMB
Group asset (source: CIMB Our Business, 2011).
26