sustainability reporting in annual report in 3 firm in malaysia

8/10/2019 Sustainability Reporting in Annual Report in 3 Firm in Malaysia

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1.0 INTRODUCTION.

Non-financial reporting or sustainability reporting in the annual financial report have

been another matter of interest to the stakeholders over the past two decades . Sustainability

report is defined as the report that makes connection between corporate financial report and

environmental issue, social and governance behavior transparent. These non financial items

include the contribution of Corporate to environmental , social, corporate ethics, and

governance.

Firms would be seen to be transparent in reporting their annual report when the non-

financial item reported in their annual report. However, the non-financial reporting is not a must

for every company. Firm will report this non financial item in their while annual report if only that

item is importance to the company stakeholder.

To reporting the non-financial item in the company annual report is currently voluntary,

it offers some benefit to company especially in term of stake holder engagement and reputation.

In Malaysia to reporting the non-financial item in the firm annual report is not required and even

there is no act and regulations by government to require the non-financial reporting to reported

in the annual report.

Since 2007, the stock exchange Bursa Malaysia has put a condition on the firms listed

for sustainability reporting starting December 2007 , followed by the speech of the former prime

minister of Malaysia 's fifth Tun Abdullah Ahmad Badawi expressed the need for companies

listed on the Bursa Malaysian to report their CSR initiatives . In Malaysia, the Corporate Social

Report is in priority to the report . Since the enforced requirement to report sustainable report ,

currently , the majority of listed companies have implemented in their annual report.

Among the items included in the sustainability report is concerned with the role of the

community or corporate social responsibility ( CSR ) , the governance of the company to

stakeholder or corporate governance and corporate responsibility for environmental care. These

three things are fundamental to the sustainability report in Malaysia , however, reports on CSR

are more concerned by the majority of companies in Malaysia because it is required by the

Bursa Malaysian.


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CSR or corporate social responsibility, as defined by United Nations Industrial

Development Organization(UNIDO) as a management concept whereby companies integrate

social and environmental concerns in their business operations and interactions with their

stakeholders. CSR is generally understood as a way to achieve balance in corporate economic,

environmental and social imperatives . Popular examples of CSR is charity , give scholarships

and provide the best service for customer.

Apart from the company's contribution to society , the effectiveness of the system of

rules , practices and processes by which a company is directed and controlled . Corporate

governance essentially involves balancing the interests of the many stakeholders in a company

- these include its shareholders , management, customers , suppliers , financiers , government

and the community. It 's called as the Corporate Governance ( CG ) . in this case , a company 's

value is based on management, action plans and internal controls to measure performance and

corporate disclosure.

Environmental sustainability has become one of the new issues hit to many

companies. The issue of how the impact of its operations on the environment and what their

contribution to the environment is also a concern of the stakeholders and society. Therefore, the

sustainability of the environment is also seen as a need to measure the company's concern for

the environment. Among the issues that matter she is often seen as moving towards green

technology, the use of renewable resources and recycling.

2.0 THE CHALENGES OFSUSTAINABILITY REPORT AMONG COMPANIES IN MALAYSIA.

The need of the importance the companies listed in Bursa Malaysia for sustainability

reporting is relatively new compared to other developed countries. Therefore, there are still

some challenges faced by the firm to report on their sustainability into the annual report. Among

the challenges faced are There is no common format or general standard for reporting on

sustainability into the annual report, sustainability is still regarded as unimportant by most

companies in Malaysia and the enforcement of the sustainability report is not comprehensive,

especially to the SME industrial firms.


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Sustainability reporting is something that is new in Malaysia, most of the companies in

Malaysia only report their CSR activities only, for the environment, most companies did not

disclose in their annual report, which shows that there is no activity on the companies in

protecting the environment . The key factor to this issue is, most companies are not educated

about how to report and undertake activities of their company to care for the environment. Now

the agency is active in creating awareness among the firms in the importance of environmental

sustainability is ACCA (the Association of Chartered Certified Accountants) has provided

guidelines for environmental sustainability to be practiced in the companies in Malaysia.

According to a report by PwC Malaysia, nearly 81% of companies stated that

sustainability is very relevent to their business, but it was not until half of them had to put

sustainability strategy in line with the other objectives of a business . The report also spell out

that only a small fraction of the companies that make regular boardroom agenda. Although there

was an increase of nearly 80% of companies run sustainability, but only 26% only in accordance

with standards set by the international dang. Among the factors that led to sustainability is not a

primary objective of most of the company's business objectives in line with the other is the lack

of exposure and pressure from governments to companies to conduct such environmental

sustainability.

Ministry of Energy, Green Technology and Water (KeTTHA) in 2009, states that the

environmental sustainability of SMEs in Malaysia is still low and is not exhaustive. In fact, forSMEs in Malaysia, sustainability are still new and still in a dilemma. As most SMEs are not listed

in Bursa Malaysia, the sustainability reporting in the annual report is not required. However, the

various parties see the need and importance of SMEs also report their sustainability in order to

see the transparency and reliability of their business, particularly in the care of the environment.

3.0 SUSTAINABILITY REPORT IN THE ANNUAL REPORT FOR THE THREE COMPANIES

IN MALAYSIA.

For this task we use the annual report of three companies in Malaysia in the banking and

finance industry to analyze how the company has reported a sustainability report in their annual

report for use by consumers and other stakeholders for their companies.


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annual report banking companies used is :

a) Maybank Bhd 2013 annual report

b) CIMB Bhd 2013 annual report.

c) AMBANK Bhd 2013 annual report

3.1 MAYBANK BHD

3.1.1 Company Profile

Maybank is a trade name for Malayan Banking Berhad is a network of banks and the largest

financial group in Malaysia, with significant banking operations in Singapore, Indonesia and the

Philippines. The Bank also has a substantial interest in Islamic banking through Maybank

Islamic Bank and insurance through its subsidiary Saaremaa. Maybank is the largest bank in

Malaysia with more than 374 local branches and 90 overseas branches and offices. Maybank

listed in the Stock Exchange of Malaysia's second largest, Bursa Malaysia, with a market

capitalization of more than RM30 billion as at mid-April 2009.

In 2008, Maybank completed the acquisition of 15% in An Binh Bank (Vietnam) and 20%

MCB Bank Ltd (Pakistan). In addition, Maybank Malaysia won the Most Valuable Brand for the

second year (valued at RM9.3 billion), and Deal of the Year - Insolvency & Restructuring Deal of

the Year at the 2008 ALB SE Asia Law Awards.

Maybank operates consumer banking, business and corporate banking, and private

banking services through a network of more than 374 branch offices and more than 2,700 ATMs

in Malaysia. The company operates 22 branches throughout Singapore provides a complete

range of banking and financial products and services. Maybank, through Maybank Philippines

Incorporated, has 45 branches in the Philippines and also has a banking presence in most other

Southeast Asian markets, including Brunei, Papua New Guinea, Indonesia, Cambodia and

Vietnam. The Bank also operates a branch in New York, London, Hong Kong and Bahrain.

In addition to commercial banking network, Maybank also operates a number of special

operations in insurance, investment banking and asset management and the financial sector. -

Owned subsidiary of the group's subsidiaries include Etiqa Insurance & Takaful which provide


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both products of conventional and Shariah-based, and Maybank Investment Bank is part of the

investment group following the acquisition of Mayban Discount and Mayban Securities.

Maybank is Malaysia's first bank was given the right to establish branch offices in China.

Maybank was established by royal merchant Malaysia Khoo Teck Puat, who died in

2004. The group is headed by president and CEO Amirsham Abdul Aziz in two decades until

March 2008 after he was appointed as Minister in the Prime Minister in the Economic Planning

Unit, a post he held until April 2009. Dato 'Sri Abdul Wahid Omar was formally appointed

President & CEO of Maybank Group in May 2008.

As of December 31, 2008, Maybank is the largest bank in Malaysia, assets worth

RM301 billion (USD $ 87 billion), placing it among the top 120 banks in the world. Malayan

Banking is also a company registered under the Bursa Malaysia

3.1.2 Issues in Corporate Social Responsibility, Environmental Reporting and Corporate

Governance

3.1.2.1 Corporate Social Responsibility (CSR)

Employee Volunteerism

The mission of community work is always close to the Maybank staff. In 2013 alone, more than

23,000 residents Maybank contributed more than 119,000 hours of their own time to participate

in community volunteer program. Through its annual program of major Kasmereka structured

light, monitor and evaluate the impact of all work done employee volunteerism. Since its

inception in 2006, Cahaya Kasih Maybank challenged citizens worldwide to submit projects that

provide long-term benefits to the community that elected them. In 2013, they received more

than 100 project proposals. Each proposal given initial grants to move the project. A total of 20

projects were able to showcase our best effort and its impact, receive extra help RM20,000 to

be used by the recipients of benefits. These initiatives have been implemented in 16 countries

throughout the year, and at the end of the challenge, each project is completed based on the

effects and benefits after implementation.

The best projects in each category have obtained additional funding for further

development. Meanwhile, since 2010, they have used the Day Social Responsibility (CR) Global

to showcase initiatives undertaken by Maybankers. Efforts were made in 2013 include


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community empowerment, education and sports, environment, health and medical initiatives.

Last year, they estimate more than 800,000 people benefited from these programs is voluntary.

To promote the work of volunteers, Maybank give relief to employees on leave for three days in

a year.

Disaster Relief

In 2013, Maybank Maybank Group and the Foundation has contributed RM1 million to the

Philippine National Red Cross Society to help victims of Typhoon Haiyan, which hit the central

Philippines in November, leaving a great impression of destruction. Last year also saw the

completion of the Community Centre for the resettlement community Maybank Xavier - home to

573 families who were victims of Typhoon Sendong (Washi) in 2011. Funded by Maybank

Philippines, Community Centre is used by the affected families to community activities.

Moreover, Maybank Philippines also started capacity building programs to help families in the

community have the opportunity to work better and regain their livelihoods. In early December,

the east coast of Malaysia flooded due to heavy rainfall in the monsoon season, forcing tens of

thousands of people to evacuate their homes where electricity and water supplies were cut off in

many areas. Maybank contributed RM110,000 to purchase food and relief supplies to more than

1,000 families affected

Effective Employee Volunteerism

Number of Maybank staff involved in various initiatives Corporate Responsibility (CR) each year

shows how deeply rooted spirit of volunteerism across the Group. Maybank staff allocated over

119,000 volunteer hours, strengthen their human mission to the community involved with

Maybank on the global stage. The fourth Global CR Day held on 28 September 2013 saw more

than 19,000 Maybankers Showing 105 CR sustainable initiative that was started in 2012 under

the Challenge program Light of Love (CKC). Maybank Cambodia awarded the Outstanding

Social Performance Bank, organized by IDG Asean for Child Sponsorship - initiative "Way Out

Of Impoverishment" which has benefited 400 children less fortunate who do not have access to

proper education, basic health care and adequate nutrition.


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Maybank has launched the Regional Festivals during Hari Raya with CR initiatives are

driven by more than 1,000 employees of Maybank who visited 50 hospitals in Malaysia and

Indonesia, distribute sweets to more than 14,000 health care providers who work on the first day

of Hari Raya. The Group has always been at the forefront, react quickly in terms of financial,

non-financial or volunteer to victims affected by natural disasters - either as a group or

partnership with the community. In November and December, Maybank help victims of Typhoon

Haiyan in the Philippines and floods in several states in Malaysia. The Group also assist

employees affected by disasters by donating a total of RM267,465.50. Maybank staff is also

active in various other events such as the national day celebrations, raising funds for charities

and festivals. In addition to being an ambassador for the brand, they showcase their talent in

competitions such as cheerleading, cross procession or corporate outlets, win awards and

prizes.

Balance Work, Life and Family

In addition to a competitive total remuneration package, they constantly strive to provide a

balance of work and life to increase productivity and improve employee retention. Creating a

culture that is safe and conducive workplace Bank has always been a priority and this is

manifested in the Policy Statement Occupational Safety and Health (OSH) when the Bank

pledged to promote occupational safety and health awareness among employees and other

stakeholders in the workplace. Various health and safety programs have been held throughout

the country such as mini campaign Healthy Lifestyle, Commuter Program Safe, Positive

Parenting Workshop, Workshop Mind Therapy and Ergonomics Workshop. To ensure best

practices, the Bank entered into an alliance with professional organizations and specialist

medical centres. The program is structured and interactive, which includes joint activities are

monitored by trained professionals until the dialogue. These activities enthusiastically attended

by over 3,400 staff across the country in 2013.

Maybank also invested substantial resources to encourage employees to take part in

sports. Odeum Sports and Annual Carnival Maybank involve 22 sports and an important

platform to promote team spirit and togetherness among employees worldwide. They also take

part in BII Maybank Bali Marathon and The Edge-Bursa Malaysia KL Rat Race 2013, with their

runners to outperform the top positions in various categories. Maybank hockey team improved

its position in the league as runners-up in which the last time it was in the same position was in


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1999. The football team also improved their position in the Premier League KLFA from sixth

place in 2012 to fourth place in 2013.

Maybank has formed a team ready to First Aid (FAST) at Headquarters and regional

offices. A total of 173 staff members who provide service FAST in the councils of the Bank and

the customer in the event of an emergency. In 2013, they confirmed the Elastic Time Work

Arrangements (FWA) which provides clear guidelines for flexibility in the workplace. FWA

empower staff to manage and optimize their working time without affecting personal and work

commitments respectively. Another work balance initiatives - major life was the establishment of

Child Care Center Maybank Tiger Cubs (MT3C) located at Menara Maybank. MT3C can

accommodate 20 children at any one time with 8 guards trained to manage the center. MT3C

Maybank align with the national agenda to promote women's participation in the workforce. In

2013, under the Financial Assistance for Children Maybank staff Entering Higher Education

Institution and Boarding School, Maybank distributed a total of RM147,000 to 189 children of

employees with a monthly income of RM4,000 and below. Financial assistance scheme 'Back to

School' also distributed a total of RM306,000 to 1,530 children of employees who earn a

monthly income sebanyakRM2,500 and down.

3.1.2.2 Reporting Environment

Environment

They also promote good environmental practices and prolonged in all operational activities in

order to reduce direct impact on the environment and vice versa and manage material and the

remaining fairly. Since 2011, they have participated in the Carbon Disclosure Project (CDP), a

global system for companies and cities to measure, disclose, manage and share vital

environmental information. For its first participation, they won 37 out of 100 points, in 2012, they

recorded 58, and in 2013, their eyes rose to 67. Meanwhile, in support of the environmental

campaign to green the earth, Maybank, Maybank has been run by the Foundation various

awareness activities and biodiversity programs. They also work with organizations wildlife and

nature conservation are looking for ways to protect the natural heritage. Maybank has been

involved in tiger conservation for more than three decades ago. Since the year 2010,

Maybank has contributed nearly RM1.5 million in funding scientific research, social

outreach programs and expand wildlife corridors in the critical area between the two reserves,


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which became the main residence of tigers in Malaysia - Ranges National Park and Main. The

Corridor is especially important not only to tigers but also other wildlife, as they can migrate

between the two ecosystems. In 2013, give them support through further contributions to the

Malaysian Zoological Society. In addition to this, they organized the Camp Tiger Zoo (Tiger Zoo

Camp) where more than 100 students were invited to spend two days at the Zoo to learn and

play, as a way to learn about the importance of taking care of the animals and maintain the

environment. They also have support Tiger Run Run Wild, Run first of its kind in Malaysia.

Controlled by the "Malaysian Conservation Association for Tigers" (MYCAT), the run was to

raise awareness of the difficulties faced by the Malayan tiger and raise funds for conservation

efforts. More than 2,000 people took part in larianitu, which raised RM55,000. In addition, for a

period of three consecutive years, Maybank Maybank support Eco Film Festival Kuala Lumpur

(Leff).

This annual party platform using 'edutainment learners' to spread the message of

sustainable living related through the film, community workshops, forums, discussions and

activities. More than 6,400 people participated in the event. In conjunction with Earth Day 2013,

more than 100 people Maybank and their families participated in the campaign "Aveda Walk for

Water" held in April 2013 in Publika Mall, Kuala Lumpur. The campaign aims to raise awareness

about issues related to water, held in support of local NGO - Eco Knights and Blue Life's Project

H2O (Help Donations Clean Drinking Water to Mantanani). Show a 2.5 kilometer walk

symbolizes the travel distance to be encountered by some people to get water supplies are

safe. Results obtained funds exceeding RM25,000 was used to install a filtration system that

provides clean water for long periods Mantanani Island community.

3.1.2.3 Corporate Governance

Maybank Board believes that good corporate governance is not just the fact to be observed,

even we are committed to achieving the highest standards of business integrity, ethics and

professionalism across all the Group's activities. With this commitment and in line with the

Group's regional aspirations to humanise financial services, the Board aims to enhance

business prosperity and foster a culture of ethical values, while continuing to provide and

maintain reserves for the benefit of the Group's stakeholders inside and outside the country.

The basic approach of the Board in this regard is to ensure proper executive leadership,

strategy and internal controls for risk management, available on-site. The Board also reviewed


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its governance model on an ongoing basis to ensure it remains relevant, effective and able to

face the challenges of the future. Corporate Governance Statement is intended to provide an

overview of the most important of the Group's corporate governance practices to investors.

Model Maybank Group's corporate governance and the need to use the following

guidelines: -

1. Code of Corporate Governance 2012 (referred to herein as the "Code" or MCCG 2012).

2. Guidelines on Corporate Governance of Bank Negara Malaysia (BNM) for the Bank of

Licensed Institutions ("BNM / GP1") revised.

3. Listing Requirements ("LR") Main Market of Bursa Malaysia Securities Berhad (Bursa

Malaysia).

4. Green Book Efficiency Improvement Director (Green Book) by the Putrajaya Committee

on GLC High Performance (GLC).

5. Corporate Governance Guide: Towards Boardroom Excellence 2nd Edition (Free CG) by

Bursa Malaysia.

6. Corporate Governance Scorecard Malaysia-Asean by the Minority Shareholder

Watchdog Group (MSWG).

Maybank also monitor the progress of corporate governance standards adopted by the

organizations and lending institutions leading and renowned in the region and around the world

to ensure the highest standards are adopted in corporate governance. Strong evidence of the

Group's commitment in this regard, the Bank has received several awards in 2013 for

demonstrating high standards of corporate governance, including the Gold Award for Most

Outstanding Annual Report and also the Industry Excellence Award in the category of Finance

for companies listed on the Market Home at the National Annual Corporate Report Awards

2013. We were also awarded Best Corporate Governance in Malaysia in FinanceAsia votes

"Asia's Best Managed Companies Poll 2013"


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3.2 CIMB BANK Bhd.

3.2.1 Company Profile.

The shareholders of CIMB-Principal are CIMB Group Sdn Bhd and Principal Financial Group,

which respectively own 60% and 40% of the company.

CIMB Group is Malaysias second largest financial services provider and one of

Southeast Asias leading universal banking groups. It offers consumer banking, investment

banking, Islamic banking, asset management and insurance products and services.

Headquartered in Kuala Lumpur, its key operations are located in Malaysia, Singapore,

Indonesia and Thailand. The Group also has presence in Brunei, Myanmar and Vietnam.

Beyond ASEAN, the Group has offices in Hong Kong, Bahrain, London and New York, as well

as a 19.99% stake in Bank of Yingkou, China.

CIMB Group operates its business through three main brand entities, CIMB Bank, CIMB

Investment Bank and CIMB Islamic. CIMB Group is also the majority shareholder of Bank CIMB

Niaga in Indonesia, and the single largest shareholder of CIMB Thai in Thailand.CIMB Group is

listed on Bursa Malaysia via CIMB Group Holdings Berhad (formerly known as Bumiputra-

Commerce Holdings Bhd).

Principal Financial Group is a leading Fortune 500 global financial services group

established over 125 years ago. The Group offers a wide range of financial products and

services including retirement and investment services, life and health insurance and mortgage

banking through its diverse family of f inancial services companies.


Governance.

3.2.2.1 Corporate social Responsbility (CSR)

Prime Foundation, Community Link is a community development initiative aims to establish a

closer relationship with the community served by the Group through its large network of CIMB

Bank branches nationwide. The main theme is community empowerment. Community Link

identifying reasons related to the communities served by Link Group.Community provides an


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excellent platform for branch employees to understand the overall needs of the customers so

that they can work more efficiently and effectively.

In 2007, Community Link made a start with the implementation of 55 projects with a total

funding of RM2.25 million. In 2008, 128 Link Community initiative was approved amounting to

RM4.1 million. More than 20,000 people have been directly involved in these projects with more

benefit indirectly.

In 2013, Community Link was launched on 1 April. More than 200 grant applications

were received Community Link this year. 94 were approved to the tune of RM3.3 million. These

programs cover a wide range of important community initiatives such as cataract surgery,

establishing sepak takraw clubs in schools and provide grants to underwrite the film making

workshops, cultural performances and orchestral music. In 2013, there was a greater breadth of

projects compared to previous years because apparently no knowledge of the existence of

funds and a clearer understanding that CIMB Foundation does not impose conditions on a grant

recipient. Community Link is divided into Socio-Economic, Health, Sports, Environment,

Orphanage / Parents' Homes, English & ICT and National Unity.

In 2013, individual countries within the Group to take responsibility for their CSR projects

and financing. Active participation is seen especially in Indonesia and Cambodia. Most of the

projects seek to improve the livelihoods of the people and their dependents. Such projects

increasingly valuable in a society with limited resources and lack of access to funds. CIMB

workers continue to support the project through the Community Link implement and actively

participate in various projects. CIMB Foundation Trustee is generous with his time and always

support this initiative. This support is voluntary and CIMB Foundation would like to extend my

sincere thanks to the Trustee and all of us who contribute to this initiative.

In addition, CIMB also involved in organizing the search of new talent in the sport of

rugby. In partnership with the Confederation Old Boys Rugby Association (COBRA),IJM

Corporation Berhad, Penguin Rugby Club of United Kingdom and the Malaysian Ministry of

Education, CIMB Foundation funds a schools rugby development programme. This programme

is designed to create an environment of growth for Malaysian rugby through the training of

school teachers to become rugby coaches, while introducing rugby programmes into schools

across the country. Although the Foundation only assumed sponsorship of this programme in

2008, CIMB Groups association with the programme began in 2005 when Bumiputra -

Commerce Holdings Berhad first became a sponsor. In 2011, 20 teams participated in the 8th


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CIMB Foundation-COBRA Schools 10s tournament comprising the 16 champions of the states

and Federal Territories of Malaysia. Sekolah Sukan Tunku Mahkota Ismail emerged the winner

of the tournament when they defeated SM Sains, Selangor in a keenly contested final. In

addition, the CIMB Foundation Under-18 selection team won the Bangkok Junior International

tournament in 2011 for the second year running. A number of the players from the 10s

tournament are now playing for the national age-group teams. The programme has also trained

more than 670 teachers as qualified rugby coaches. The holistic approach of the programme

has also produced referees and competition managers so that there is continuous addition to

the talent pool necessary for planning and organising tournaments at school, state and national

levels. Coaching clinics are an effective means of reaching out to school-boys, especially those

who are beginning to learn the game. The coaching clinics have benefited students in 72

schools in Malaysia. These have been conducted on a regular basis since the inception of the

programme and have introduced rugby to thousands of boys over the years. The Penguin

Rugby Club sent two coaches from their academy to conduct specialised clinics to take the

more established teams to a higher level as the standard of rugby in schools continued to

improve.

3.2.2.2Environmental reporting

Green Building

The group undertook several initiatives including the implementation of climate change initiative

"Green Building" The new office in Bangsar South and their new headquarters in Menara CIMB,

which is expected to be completed in late 2012. The new offices will be given by GBI Malaysia

and Singapore where LEEDS they are aiming to achieve gold certification standards. They will

work in specific areas such as energy efficiency, increased natural light, visual and acoustic

comfort, increased greenery around the building, water recycling and pollution reduction. Every

room in the "Green building", including buildings with design features for low heat absorption,

including air space between the slabs of granite on the outside, to dissipate heat, aluminum

window grille is used to diffuse light; and crush resistant window film, to provide protection and

filter 99% of ultraviolet rays. Windows along the hallway and interior atrium will bring light,

thereby reducing the need for lighting.


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Say No to Plastic Bags

This was a campaign which was implemented in 2011 in shopping malls in the northern region.

The campaign involved eight CIMB Islamic and CIMB Bank branches in partnership with two

NGOs. Campaigns were run in eight malls and hypermarkets to encourage shoppers to switch

to reusable shopping bags instead of using plastic bags. This was supplemented by a kitchen

waste composting programme which won the Best Community Link Project for the year.

Anugerah Hijau

CIMB Foundation has supported the Anugerah Hijau or Green Awards programme since 2009,

partnering with EcoKnights. It is a programme which aims to inculcate eco-consciousness

among youths, aged between 14 and 25, and to provide a platform to motivate and encourage

youths to tackle pressing environmental problems through creative and innovative projects. The

programme runs as a competition among youth teams to tackle environmen issues in a creative

and practical manner.

Green Award by EcoKnights

This program is intended for secondary school students in Petaling Jaya. Although the main

objective is to educate students about the environment, the project also includes activities

aiming to translate their knowledge about the environment into action-based solutions. The

solution is implemented by students and put in an inter-school competition. Schools in

cooperation with the local council for assistance in their projects, and Petaling Jaya City Council

(MBPJ) provides assistance by supplying soil and seedlings to schools. City Council's

Landscape Officer will also go to school to give advice to students on the management of

"green jobs" them. In 2009, 28 schools took part in this competition and that most schools have

reported an increase in the popularity of the environmental club or society as extra-curricular

activities. Some of the schools have been able to sell the produce of their green projects to raise

funds for their club. Funding for this project has been ongoing for two that term in early 2010. In

the first year, in addition to CIMB Foundation, EcoKnights also collaborated with Petrosains,

MBPJ, Ministry of Education and the Danish International Development Agency for this project.


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3.2.3 Corporate Governance

An effective corporate governance structure and culture are critical elements in determining how

the Group functions and this has been continuously emphasised to all employees. The

governance framework adopted by the Group is developed based on the principles and best

practices recommended by the Malaysian Code on Corporate Governance (Code), Bank

Negara Malaysia Guidelines on Corporate Governance for Licensed Institutions (Revised

BNM/GP1) and Shariah Governance Framework for Islamic Financial Institutions, the Main

Market Listing Requirements of Bursa Malaysia Securities Berhad as well as international best

practices in corporate governance, where applicable. The Groups corporate governance

practices are also entrenched in its brand values: Value Creation, Enabling People and Integrity.

During the year under review, the Group has complied with all the principles as set out in Part I

and the Best Practices contained in Part II of the Code. The Statement on Corporate

Governance contained in the corporate section of the Annual Report explains how the Group

has applied all the principles and best practices set out in the Code and the Revised BNM/GP1,

which covers the following areas:

The Board and Board Balance

Board of Directors Size and Composition

Directors Code of Ethics

Duties and Responsibilities of the Board

Appointments to the Board

Re-appointment and Re-election of Directors

Number of Directorships

Meeting and Supply of Information to the Board

Training and Development of Directors

Roles of Company Secretary

Directors Remuneration

Board Committees


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Communication with Shareholders

Accountability and Audit

Related Party Transactions

Internal Control

Relationship with Internal and External Auditors.

3.3 AMBANK Bhd.

3.3.1 Compony profile

Established in August 1975, AmBank Group is one of the largest banking groups in Malaysia.

The Group comprises AMMB Holdings Berhad, a public listed company on the Main Board of

Bursa Malaysia, with subsidiaries offering a wide range of conventional and Islamic financial

products and services. Through its universal banking platform capabilities, the Group caters to

the needs of a broad spectrum of customer segments, for activities relating to personal banking,

business banking, investment banking, stockbroking, funds management, life and general

insurance, and family takaful.

While AmBank Group continues to grow dynamically and gain recognition as Malaysias

preferred financial solutions group, its strategic partnerships with key global players has paved

the way for greater international connectivity. Complementing its strong reputation as a key

financial solution provider in Malaysia, its partnerships with Australia and New Zealand Banking

Group (ANZ), Insurance Australia Group (IAG) and MetLife Inc has brought new energy and

value in how the Group conducts its business to better serve its markets.

Today, AmBank Group employs a strong workforce of over 12,000 employees to serve theneeds of more than six million individual and corporate customers nationwide. The Group

reaches out to its customers by providing an extensive network of more than 175 AmBank

branches and strategically located electronic banking centres, and is already being recognised

as the bank with the most number of branches opened for weekend banking services, and with

the largest ATM network at 7-Eleven stores nationwide.


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Governance

3.3.2.1RESPONSIBILITY TO THE COMMUNITY

The AmBank Group takes a leading role in reaching out to society, and shows its caring,

connected and committed face in addressing a wide range of issues linked to the development

of sustainable communities. These include the less fortunate, those in distress situations, youth,

sport, culture, and the media. At a parallel level, the Groups initiatives also show its efforts at

contributing to healthy intellectual growth.

Caring for the Underprivileged and Needy

On 15 March 2012, AmBank Group launched the AmKasih programme, a new platform for the

Groups CSR sustainable development initiatives. The AmKasih programme will serve as an

umbrella platform for all AmBank Groups CSR efforts to reach out to the community. Tan Sri

Azman Hashim, Chairman, AmBank Group launched the new programme, held in conjunction

with AmIslamic Banks student adoption programme in collaboration with Yayasan Pelajaran

MARA (YPM), which provides financial aid for schooling to primary and secondary level

students from low-income families until they have completed Form Five.

Annual Report 2012 90. Primary school students receive an allowance of RM60 a month whilst

students from secondary school receive RM80 per month. AmIslamic Bank contributed

RM250,000 as business zakat for the 282 selected students. At the same event, AmIslamic

Bank also presented business zakat to seven charity homes and organisations, as part of its

business zakat for financial year ending March 2011 amounting to RM875 707. Meanwhile,

AmBank Group through its efforts with Living Hope Malaysia extended a spirit

of love and compassion to 1000 underprivileged school children inclusive of Orang Asli children

in Malaysia, through the Festivities on Wheels programme. A contribution of RM25,000 enabled

the purchase of festive period goodie bags from December 2011 to February 2012 which were

distributed to selected areas in Selangor, Melaka, Negeri Sembilan and Perak including some

locations in the interiors of villages where accessibility via transportation remains a problem

during the rainy season. To help patients facing renal failure, the Group contributed two

hemodialysis machines, one to the Putra Specialist Hospital (Melaka) Hemodialysis Foundation,


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and one to the Pusat Hemodialisis Mawar, Negeri Sembilan. In Support of the Kechara Soup

Kitchens efforts at distributing food to the homeless within the Klang Valley, the AmBank

Groups Channels and Contact Centre staff joined these outings, covering areas such as Chow

Kit, Petaling Street, Pudu, Dang Wangi, Jalan Tun Perak, Kota Raya, Sentul and Old Klang

Road. They also participated in the World Food Day meal distribution at Taylors Education

Group, and charity gift presentation at the Pusat Penjagaan Kanakkanak Cacat Taman Megah.

It was joy for 280 children and youth across the nation, in Kota Bharu, Johor Bahru, Kuala

Lumpur and Kulim when Kelab AmBank Group, for the fourth consecutive year organised the

Back to School Charity Programme 2011. The groups were brought shopping for school

uniforms and school shoes.

Supporting Youth, Sports and a Healthier Lifestyle

Engendering competitiveness and teamwork are high on the list of values supported by the

AmBank Group both internally and externally, and this is reflected in the themes of the events

and initiatives supported by the Group. The Group was the main cash sponsor for the Ipoh

Starwalk 2011 held on 19 June, which attracted approximately 14,200 walkers. It was also one

of the sponsors for the Penang Starwalk 2011 of 19 September. For the PJ Half Marathon 2011,

AmBank Group came on board as one of the main sponsors. Catering to the golfing community,

the Group became the Official Bank for the Royal Selangor Golf Club (RSGC) and also the Title

Sponsor for the Faldo Series Malaysia Championship 2011, held at RSGC. The Group was one

of the main sponsors in the Worldwide Selangor Masters tournament, an Asian Tour sanctioned

event, held on 20-23 July 2011. In support of developing golf amongst youth, AmBank Group

once again came on board the AmBank Group-Crest Link-SportsExcel International Junior Golf

Championship 2011 and Grand Finals of the International Junior Golf Championship 2011 with

a sponsorship of RM26,860. The AmBank Group also sponsored the

inaugural RSGC AmBank Junior Amateur Open Golf Championship.

Supporting Education, the Media and Intellectual Growth

The Group sponsored RM50,000 for the AmBank Media Legend Award at the National Press

Club (NPC) Naza Awards Night 2011 on 4 July where the Prime Minister of Malaysia, YAB

Dato Sri Mohd Najib Bin Tun Haji Abdul Razak presented the award to renowned academic,

writer and former journalist Adibah Amin. In support of the media, the Group had also

sponsored RM7,500 toward the Malaysian Press Institutes Malam Wartawan Malaysia 2011


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journalists award ceremony on 29 April, while also becoming the Main Sponsor for the NPC

(National Press Club)-AmBank-Milo Media Run 2011, held on 18 September. The 4.5km Edge-

Bursa Kuala Lumpur Rat Race 2011, held on 20 September, saw AmBank Group send a team

and sponsor RM15,000 in the annual race which raises funds for charitable organisations.

Supporting the media in sporting events, the Group came on board as main sponsor for the

Inter-Media 7-A-Side Football Tournament 2011, to help foster closer relationships between the

Group and the media. The National Higher Education Fund Corporation (PTPTN) saw an

education endowment contribution amounting to RM50,000 from the Group in support of

PTPTNs efforts to help provide additional allocation for students from families who are unable

to entirely afford their education expenses. Industry leaders came together to share their

knowledge, opinions and experiences in the intellectually stimulating Perdana Leadership

Foundation CEO Forum 2011 on 23 June (themed Transforming Malaysia: Challenges on the

road to becoming a high-income economy) of which the Group was the Silver Sponsor.

Spirit of Giving During Festive Periods

AmIslamic, in conjunction with the month of Ramadan, teamed up with Berita Harian as main

sponsor for the Semarak Ramadan Berita Harian Bersama AmIslamic 2011 programme. The

programme saw AmIslamic contributing in cash and gifts in kind, in 14 Ramadan bazaars and

mosques nationwide, from 7-26 August. On 17 August, AmIslamic again came on board as one

of the sponsors of the Rahmat Ramadan programme, organised by the Ministry of Women,

Family and Community Development to provide food and goodies to some 5,000 people

consisting of the disabled, children, senior citizens, vagrants and poor families. Between 10 and

19 August 2011, a total of five groups of underprivileged people and single mothers from

various charity homes were brought by Kelab AmBank Group for a buka puasa treat as well as

shopping for baju raya in Kuala Lumpur, Melaka, Terengganu, Johor and Perlis.

Supporting Social Causes and the Community

The luncheon talk entitled Japan: Latest Updates Post-Tsunami given by the Ambassador of

Japan to Malaysia, His Excellency Shigeru Nakamura, organised by the Malaysia-Japan

Economic Association (MAJECA) saw AmBank Group as the main sponsor. To help promote

the social entrepreneurship agenda by non-government entity GOLD (Generating

Opportunities for Learning Disabled) to enable people with learning disabilities to maximise their


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potential and become contributing members of society, AmBank group came on board as a joint

sponsor for the Hearts of Gold gala evening. The IJN Foundations mission is to provide

financial assistance for the underprivileged and less fortunate heart patients of Institute Jantung

Negara (IJN) and also support the ongoing research by IJNs specialists in cardiovascular

diseases. AmBank Group come on board to contribute RM30,000 to A Night of A Thousand

Hearts, a charity dinner in aid of the IJN Foundation. The National Sports and Cultural Carnival

for Prisoners 2011, organised by Kelab SAHABAT Penjara Malaysia was held from 27-29

December 2011 at the Bentong Complex Prison, Pahang where the closing ceremony was

officiated by Guest of Honour, Tan Sri Azman Hashim, Chairman, AmBank Group and President

of Kelab SAHABAT Penjara Malaysia, who also sang in a special performance together with the

Singing Shop to entertain the prisoners.

3.3.2.2 COPERATE GORVENENCE.

The AmBank Group makes every attempt to provide the best possible support to staff in order to

foster their wellbeing, development and intellectual growth, these being intrinsically tied in to the

value that staff will be able to add to the Group and to the community at large.

Balanced and Healthy Lifestyle

A wide range of sporting and competitive challenge events is hosted by the AmBank Group to

ensure that staff are fit, healthy and alert in body and spirit while having a sense of healthy

competition, all valuable attributes at the workplace. Staff, through the sports club, Kelab

AmBank Group had many opportunities to show their prowess in tournaments and

championships for bowling, darts, go-kart, paintball, futsal, bowling and snooker. The annual

Annual Kelab AmBank Group (KAG) Treasure Hunt, this time styled as AmXPlore Hunt 2011

was held on 23-24 April and 14-15 May 2011 was flagged off at Bukit Kiara with Johor Bahru as

the destination. A total of 1,147 participants came from Kuala Lumpur, Kuantan, Pulau Pinang,

Taiping, Melaka and Johor. Mohd Azizi Hashim from Region 4 claimed his first first title at the

KAG Golf Tournament, the KAG Open 2011 which saw a total of 128 golfers comprising senior

management and staff from as far as Brunei and Singapore. The KAG Masters saw Sybilimran

Ibrahim win the title in the tournament where golfers came from AmBank Group across

Malaysia. The popular AmBank Challenge XII, its twelfth edition, attracted a total of 204

participants from 51 teams comprising four members each. Held on 8 October at DArk Resort,


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Janda Baik, Pahang, each team jungletrekked, ran in a 12km race covering multiple terrain

including swamps, rivers, lakes and hills. Teams were also challenged with other survival skills

such as navigation, orienteering and a mystery test.

AmBank Group Family Spirit

The AmBank Group places priority on fostering a sense of family amongst its 10,000-strong

staff and management, staff and staff family members get together in family days where greater

interaction in a more informal setting that develops greater bonds and familiarity amongst all.

The Primula Beach Resort, Kuala Terengganu was the setting on 7 May 2011 for the Region 5

(Pahang, Kelantan and Terengganu) Family Day which saw a total of 1,243 staff and family

members in attendance. 99 staff were honoured for their loyalty in the Long Service Awards,

serving for 15 30 years for the years 2007-2010. Highlights of the festivities included six

telematches, beach soccer and family tug-of-war. The Region 1 & 2 Family Day was held on 4

June 2011 at the USM Stadium, Pulau Pinang, the first time a combined-region event was held

in the Group. More than 2,300 staff and family members attended from Region 1 (Pulau Pinang,

Kedah and Perlis) and Region 2 (Perak and Tanah Rata, Cameron Highlands in Pahang) while

the Long Service Award ceremony saw a total of 222 staff honoured for their contributions

ranging from 15-30 categories for years 2007 to 2010. At the same time, a cheque for

RM62,900 was presented to Kedai Dobi OKU to assist the organisation in setting up their

premises in Komtar Mall, Pulau Pinang. The main activities for the day included performances

by AmBank Group staff, a Childrens colouring contest , 10 telematches, and a treasure hunt on

bicycles. The second combined family day was held at Stadium Hang Tuah in Melaka, for

Region 3 (Melaka, Selangor and Negeri Sembilan) & 4 (Johor). In excess of 3,140 staff and

family members were in attendance while the Long Service Award ceremony saw 233 staff

receive recognition for their contributions over 15 30 years for years 2007-2010. Two mock

cheques from AmIslamic Bank were presented to Pertubuhan Kebajikan Al- Muhibbin and Kelas

Bimbingan Al-Quran Ad- Dhia Ul-Lami for RM25,000 each as part of its zakat contribution. A

special Long Service Award ceremony for Central Region recipients was held on 21 May 2011

at Dewan Tun Rahah, where 229 staff were presented with awards to recognize their

contribution ranging from 15- 25 years. 170 staff were from AmBank, 15 from AmInvestment

Bank and 44 from AmG Insurance and AmLife Insurance. Staff from all over Peninsular


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Malaysia gathered for the centralised AmBank Long Service Awards on 31 March at the Dewan

Perdana Felda,, Kuala Lumpur, where recipients from the newly-revamped East

Coast, Southern, Northern and Central Regions attended the event, with 389 staff took part,

with 273 recipients (15 years), 90 recipients (20 years), 17 recipients (25 years), 17 recipients

(30 years) and 1 recipient (35 years).

Improved Work Environment

The Employee Engagement Survey saw its second edition being executed during FY2012, to

track the health of the organisation in terms of satisfaction and productivity, with the goal of

enabling the Group to forecast and manage performance more effectively in the future. The

survey saw a higher participation rate, and an improved Engagement Index, a result of the

business divisions and departments successfully executing employee engagement action plans

throughout the year.

3.3.2.3 Environmental

Wastage reduction is an area of priority for the AmBank Group and departments practice

recycling paper, double-sided printing, minimising colour printing and using electronic

communications instead of hard copy printouts where possible. Three of the Groups buildings

are designated as no smoking buildings Bangunan AmBank Group, Menara AmBank Group

and the AmBank Group Leadership Centre providing cleaner air for employees and customers

alike. Pleasant greenery and landscaped planted areas, notable in Bangunan AmBank Group

and Menara AmBank Group in Kuala Lumpur have been created to provide pockets of soothing

beauty that makes for a more pleasant banking experience while bringing in plants that will help

replenish oxygen. The AmBank Group has sponsored Zoo Negaras Dromedary for over 25

years and plans are being made to extend the sponsorship so that the wellbeing of the beautiful

camels will be extended in order for future generations to enjoy this unique animal.


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4.0 COMPARISON OF REPORTING SUSTAINABLE REPORT AMONG THE THREE

FINANCIAL COMPANY.

MAYBANK CIMB BANK AMBANK

CorporateSocialresponsibleReport(CSR).

1. Employeevolunteerism

2. Disaster relief3. Effective Employee

Volunteerism4. Balance work, life

and family

1. Financing theCSR program.

2. Improve thelivelihood inIndonesia andCambodia.

3. organizing thesearch of newtalent in the sportof rugby

1. Caring for theUnderprivileged andNeedy

2. Supporting Youth,Sports and aHealthier Lifestyle

3. Supporting Educatiothe Media andIntellectual Growth

4. Spirit of Giving DurinFestive Periods

5. Supporting SocialCauses and theCommunity

Environmentalreport (ER)

1. Promote goodenvironment

1. ImplementGreen Building.

2. Say no to plasticbag

3. Anugerah hijau

practice recyclinpaper, double-sideprinting, minimisincolour printing and usinelectroniccommunications insteaof hard copy printouwhere possible.

Three of the Groupbuildings are designate

as no smoking buildingPleasant greenery an

landscaped planted area

Corporategovernance

report (CG).

Board aims to enhancebusiness prosperity andfoster a culture of ethicalvalues, while continuing toprovide and maintainreserves for the benefit ofthe Group's stakeholdersinside and outside the

country

The basic approach of theBoard in this regard is toensure proper executiveleadership, strategy andinternal controls for riskmanagement, available on-site.

developed based on theprinciples and bestpractices recommendedby the Malaysian Codeon Governance (Code),Bank Negara MalaysiaGuidelines on CorporateGovernancefor Licensed

Institutions and ShariahGovernance Frameworkfor Islamic FinancialInstitutions,

1. Balanced and HealtLifestyle

2. AmBank GrouFamily Spirit

3. Improved WoEnvironment


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The table shows that sustainability reports reported by three finance companies

Maybank , CIMB Bank and AmBank based on the annual reports of the company for the year

2013. The sustainability report above shows four types of CSR , one program for Environmental

and two reports on CG for Maybank company . While for CIMB bank , there were three reports

of CSR , three statements with respect to the ER and one report on CG . finally to AMBANK

also five CSR was reported , three reports for CG and three reports for ER. All this is based on

CSR activities , ER and CG that have been reported in the company's annual report in 2013.

For the Corporate Social Responsible report (CSR), Maybank reported four

activities that were carried out during the year 2013 that is Employee volunteerism, Disaster

relief, Effective Employee Volunteerism and Balance work, life and family. For CIMB BANK also

Blanket three CSR report in a report that is financing the CSR program, Improve the livelihood

in Indonesia and Cambodia and organizing the search of new talent in the sport of rugby. While

for AMBANK also reported that as many as five CSR reprted which is Caring for the

underprivileged and Needy, Supporting Youth, Sports and a Healthier Lifestyle, Supporting

Education, the Media and Intellectual Growth, Spirit of Giving During Festive Periods and

Supporting Social Causes and the Community. Of CSR reports from all three companies have

shown an CSR activities undertaken by the three companies. Even most of the costs and

budget from the company is use in order to carry out CSR activities of the company to the

society . This shows CSR activities have priority in all these companies.

Next to the report with respect to environmental protection or environmental

report (ER). For Maybank only one statement is made that promote good environment with lots

of activities in the campaign are made. For CIMB BANK also three reports where. Implement

Green Building, Say no to plastic bag and green award. While for AMBANK also made public

statements that practice recycling paper, double-sided printing, minimizing color printing and

using electronic communications instead of hard copy printouts where possible.Three of the

Group's buildings are designated as 'no smoking' buildings, Pleasant planted greenery and

landscaped areas. According to a report made by three visits to under-reporting company in

environmental sustainability where all companies doing similar activities which promote good

environment without any new ideas in the conduct of environmental care.


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Lastly, to cooperate gorvenance report. for Maybank Board aims to enhance

business prosperity and foster a culture of ethical values, while continuing to provide and

maintain reserves for the benefit of the Group's stakeholders inside and outside the country and

The basic approach of the Board in this regard is to ensure proper executive leadership,

strategy and internal controls for risk management, available on-site. to CIMB BANK also

practiced system developed based on the principles and best practices recommended by the

Malaysian Code on Governance (Code), Bank Negara Malaysia Guidelines on Corporate

Governancefor Licensed Institutions and Shariah Governance Framework for Islamic Financial

Institutions. while for AMBANK also three reports CG reported that Balanced and Healthy

Lifestyle, AmBank Group Family Spirit and Improved Work Environment. In the CG report from

all three companies showed that corperate gorvenance seen sirius in the sustainability report

and see every company has its own method and approach for corperate Gorvernance report

them to the stakeholder.

Overall, the report financial sustainability of three companies namely Maybank,

CIMB Bank and AMBANK found that the CSR report is a report that is preferred by all

companies. This is because the government has made it mandatory for companies listed on the

stock exchange to report on CSR in their annual reports. Therefore, all companies comply with

these rules. For the Environmental Report found that all companies less for reporting in annual

reports, most states only report about the campaign for environmental awareness, no new ideas

in running environmental conservation. This is because reports regarding environmentalsustainability is something that is still new to the practice. For every company's corporate

Gorvernance report with its own rules. corporate governance is seen as an important element to

reflect transparency in the management of the company by the corporate governance report is

also very important to the company in its own way.


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5.0 CONCLUSION

In conclusion, the sustainability report is one more important element in the

company's annual report, it shows transparency and the company's contribution to

society and the state to all stakeholders and even society itself. In addition, the report

also sustainability can be seen to reflect corporate concerns on the problems of the

people and with the help of their other shows success in a country through a close

collaboration between government and the private sector.

In Malaysia, the sustainability report is one element that is still new to the

practice in the company in Malaysia. The assumption that the annual report only

economic report the matter needs to be changed. Thus government action in requiring

all companies listed on the stock exchange to report corporate social responsibility is a

wise move and get upgradeable in the future to also require other issues reported in the

company's annual report in malaysia.

This can be seen in the report with respect to the environment when it is not

seen as something that needs to be reported by the company in Malaysia, while the

report with respect to the environment is very important to ensure that each company

contributes to the improvement of environmental quality in this country. Thereforeenforcement and further research should be undertaken immediately report to the wider

sustainability practiced throughout Malaysia.


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REFERENCES.

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Power Nedles. (2011). Financial Accounting Principle: eleventh edition, Australia : South

Western.

Khalid Ismail and Mohd Diah Hamdan. (2012). Perakunan Kewangan , Tanjong Malim :

Universiti Pendidikan Sultan Idris.

Maybank (Malaysia) Bhd. (2013), 2013 Annual report , Obtained at November, 1, 2014

fromhttp://www.maybank.coresources/corporate_new/document/my/en/pdf/annual

report/2014/Maybank_AR13-

Maybank (Malaysia) Bhd. (2013), 2013 Investor Reporting , Obtained at November, 1,

2014 from http://www.maybank.com/en/investor-relations/reporting-

events/reports/annual-reports.page

Abdul Hadi bin Zulkifli dan M.Fazilah bt abd samad. (2011). Corporate governance in Malaysia

Obtained at November, 1, 2014 frohttp://www.diglib.um.edu.my/

Bai, C., Liu ,Q., Lu, J., Song, F., and Zhang, J. (2003) Corporate Governance and Market

Valuation in China, Working Paper ,University of Hong Kong.

Malaysia, Capital Market Master Plan (2001): Securities Commission.
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