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1) Manpower Public Bank From the sustainability statement 2017, we could see that PBB has invested highly in its employees by having trainings include Talent Attraction and Retention Programme, Employee Education and Development, Employee Health, Safety and Well-being, as well as Employment Practices. The employees who involved in training and awareness programme organized by PBB have been informed to protect customers’ personal data confidentially. The employees were required to attend the trainings on constant basis in order to keep themselves abreast with latest policies and practices on data security. Moreover, PBB has been collaborating with the international security vendors to keep its employees especially IT and customer service department so that customers will be engaged on the latest cyber threats and thus, will be informed by the knowledge-equipped counter or online staffs of the methods to identify data theft. This is one of the best ways to increase awareness of customers to prevent possible scams and also having opportunity to improve customers’ relationship. CIMB Bank CIMB has set out significant priority on compliance through strengthening manpower and improving skillsets across all divisions in management. Throughout 2017, CIMB has invested a total of RM107.9 million in employees training programme. CIMB believes that employees equipped with skillsets may contribute towards company’s growth and development. Up to 2017, there are 933 graduates who involved in scholarship programme established by CIMB itself. CIMB’s way towards Fourth Industrial Revolution has urged them to recruit right candidates with emerging skillsets and new potential in new technologies. CIMB Mobility Centre also has been institutionalized to remobilize its staffs into new roles to have a quick response towards redundancies in near future.

2) Money Public Bank As at 2017, PBB has contributed USD1.25 million in Talent Development Programme to the Asia School of Business MBA Endowed Scholarship. Public Bank aggressively invests its money in upgrading system to prevent cyber-attacks and other information security threats. Besides, it also enhance the security controls of internet and mobile banking systems, self-service terminals and security features of card payment instruments. Public Bank also ensures its staffs are exposed to consistent training so that they can provide best service to the customers. Besides, PBB has invested to set-up a Fintech and Digital Innovation Department to assist the bank in planning strategies on the products and services digitalization. CIMB Bank CIMB has aggressively invested its money to digitalize its operations. During the year under review, it has gained traction with new technologies such as blockchain, augmented and virtual reality, machine learning and artificial intelligence.

3) Machine Public Bank Throughout Malaysia, there are more than 2,000 self-service terminals including automated teller machines, cash deposit terminals, cash recycling machines, cheque deposit machines and coin collection machines, located within the convenient reach of customers. CIMB Bank CIMB has established the first-in-market chat-based mobile banking application to its customers, namely Enhanced Virtual Assistant (EVA). It serves as an artificial intelligence system which capable to exercise Natural Language Processing and Machine Learning. This enables customers to message to check balance and conduct transactions, for instance, fund transfer and prepaid reloads. The machine learning of the system also allow customers to understand their spending patterns. 4) Maturity Public Bank The Group provides a comprehensive range of financial products and services comprising personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance and general insurance products. In addition to conventional banking, the Group has advanced its services on the digital banking front. The PBe internet banking, PB engage mobile banking app and the cashless payment services provide customers faster and convenient banking experience. The Group continues to strengthen its digital capabilities to meet the evolving needs of customers. Group’s prudent management and superior customer service have enabled the Group to build long term relationship with customers, and this has supported the Group in maintaining a steady source of retail deposits. CIMB Bank At the maturity stage, the market is saturated and fragmented with local and foreign financial institutions. Thus, in order to differentiate itself from other competitors, CIMB has done some alternative measures to retrieve the market shares. Firstly, CIMB joint venture with China Galaxy Securities in regional stockbroking business. By having this partnership, CIMB is able to utilize the strengths of its joint venture partner which includes its network, market access and also business and technological know-how, in order to generate new revenue and arrive at great efficiency and synergies. Besides, CIMB establishes bancassurance partnerships with Sompo Japan Nipponkoa Holding and Sun Life Assurance Company of Canada to increase sales via numerous initiatives such as development of digital channels, new products, and data analytics. This enables CIMB to improve its effectiveness on cross-selling and product bundling interms of life insurance and non-life insurance. Furthermore, CIMB’s subsidiary, Touch ‘n Go Sdn Bhd. has acquired approval from BNM for establishment of joint venture with Ant Financial Services Group’s Alipay in 2017. Both parties are

planning to introduce a world class monile payments measure and expect to grow market demand by bringing cutting edge technology as well as business practices to markets in Malaysia. Moreover, CIMB also launches FinTech to drive innovation and draws company’s long-term digital roadmap. CIMB’s T18 Digital Banking programme was launched to improve efficiency in delivering financial services, with strengthened customer relationship and improved their experience.