BASEL II PILLAR 3 DISCLOSURES Appendix I 364
as at 31st December 2018
The Group and the Bank have adopted Basel II - Risk Weighted Assets computation under the BNM’s Risk-Weighted Capital Adequacy Framework with effect from 1 January 2008. The Group and the Bank have adopted the
Standardised Approach for credit risk and market risk, and Basic Indicator Approach for operation risk computation.
The following information concerning the Group and the Bank’s risk exposures are disclosed as accompanying information to the annual report, and does not form part of the audited accounts.
Disclosure on Capital Adequacy under the Standardised Approach (RM’000)
Group
2018
Exposure Class Gross Net Exposures/ Risk Weighted Total Risk Minimum AFFIN BANK BERHAD (25046-T)
1 CREDIT RISK Exposures/ EAD after CRM Assets Weighted Capital
EAD before Assets after
On Balance Sheet Exposures Effects of PSIA Requirements
Corporates CRM at 8%
Regulatory Retail
Other Assets 29,408,781 28,397,054 22,205,335 22,205,335 1,776,428
Sovereigns/Central Banks 15,250,688 14,491,691 10,992,556 10,992,556 879,404
Banks, Development Financial Institutions & MDBs 3,789,979 3,789,979 1,377,035 1,377,035 110,163
Insurance Companies, Securities Firms & Fund Managers 11,916,473 11,916,457 322
Residential Mortgages 2,454,179 2,454,179 4,030 4,030 38,695
Higher Risk Assets 483,689 483,689 15,594
Equity Exposure 218,915 218,914 194,931 194,931 423,252
Defaulted Exposures 9,318,235 9,287,628 5,290,653 5,290,653 17,946
Total for On-Balance Sheet Exposures 224,328 224,328 1,272
Off Balance Sheet Exposures 157,032 153,118 15,902 15,902 155,740
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives 15,902 15,902 1,946,753 1,946,753
Defaulted Exposures 1,447,297 1,414,333 42,735,212 42,735,212 3,418,816
Total for Off-Balance Sheet Exposures 73,977,481 72,139,255
3,842,718 3,842,718 307,417
5,086,744 5,090,127 71,260 71,260 5,702
51,819 48,437
3,913,978 3,913,978 313,119
5,138,563 5,138,564
Total for On and Off-Balance Sheet Exposures 79,116,045 77,277,819 46,649,190 46,649,190 3,731,935
2 MARKET RISK Long Position Short Position 26,433 223,556 - 17,885
17,397,174 17,370,741 21,101 58,170 - 4,654
Interest Rate Risk 21,153 52 56,924 204,953 - 16,396
Equity Position Risk 3,041,122 2,984,198 27,000 37,125 - 2,970
Foreign Currency Risk 27,000 - 2,962,066
Option Risk 236,965
3 OPERATIONAL RISK
Operational Risk
Total RWA and Capital Requirements 50,135,060 46,649,190 4,010,805
PSIA “Profit Sharing Investment Account”
OTC “Over The Counter”
BASEL II PILLAR 3 DISCLOSURES Appendix I
as at 31st December 2018 Gross Net Risk Weighted Total Risk Minimum ANNUAL REPORT 2018
Exposures/ Exposures/ Assets Weighted Capital
Disclosure on Capital Adequacy under the Standardised Approach (RM’000) (continued) Long Position EAD before EAD after CRM Assets after
Group 14,710,576 21,935,287 Effects of PSIA Requirements
2017 47,544 CRM 27,630,803 10,459,134 at 8%
4,073,979 13,895,123 1,305,763 21,935,287
Exposure Class 28,576,002 3,952,097 10,459,134 1,754,823
1 CREDIT RISK 14,543,952 8,956,404 4,089 1,305,763 836,731
3,583,287 2,985,564 891,718 104,461
On Balance Sheet Exposures 8,956,404 287,973 4,089 327
Corporates 2,859,992 318,319 3,189,091 891,718 71,337
Regulatory Retail 7,388,027 221,719 287,973 23,038
Other Assets 311,854 19,902 3,189,091 255,128
Sovereigns/Central Banks 7,418,233 153,368 2,510,697 221,719 17,737
Banks, Development Financial Institutions & MDBs 19,902 40,825,373 19,902 1,592
Insurance Companies, Securities Firms & Fund Managers 156,983 1,814,959 4,354,651 2,510,697 200,856
Residential Mortgages 19,902 67,114,566 95,323 40,825,373
Higher Risk Assets 1,786,865 5,186,859 4,449,974 4,354,651 3,266,030
Equity Exposure 68,213,474 64,247 45,275,347 95,323 348,373
Defaulted Exposures 5,251,106 4,449,974 7,626
Total for On-Balance Sheet Exposures 5,499,135 72,365,672 307,912 45,275,347 355,999
Off Balance Sheet Exposures 69,412 125,607
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives (83,781) 170,515 - 3,622,029
Defaulted Exposures 5,568,547 47,544 2,544,825 -
Total for Off-Balance Sheet Exposures 131,152 48,424,206 - 24,633
73,782,021 10,049
Total for On and Off-Balance Sheet Exposures 45,275,347 13,641
Short Position 203,586
2 MARKET RISK 14,794,357 3,873,938
Interest Rate Risk -
Equity Position Risk 3,942,827
Foreign Currency Risk
3 OPERATIONAL RISK
Operational Risk
Total RWA and Capital Requirements
PSIA “Profit Sharing Investment Account”
OTC “Over The Counter”
365
BASEL II PILLAR 3 DISCLOSURES Appendix I 366
as at 31st December 2018 Gross Net Exposures/ Risk Weighted Total Risk Minimum
Exposures/ EAD after CRM Assets Weighted Capital
Disclosure on Capital Adequacy under the Standardised Approach (RM’000) (continued) EAD before Assets after
Bank Effects of PSIA Requirements
2018 CRM at 8%
Exposure Class 20,573,025 19,642,650 15,849,344 15,849,344 1,267,948 AFFIN BANK BERHAD (25046-T)
1 CREDIT RISK 10,026,261 9,671,903 7,374,053 7,374,053 589,924
Long Position 2,672,961 2,672,961 70,624
On Balance Sheet Exposures 10,840,416 3,935,142 3,935,127 882,798 882,798 -
Corporates 645,900 2,833,092 2,833,092 - - 69,010
Regulatory Retail 15,583
Other Assets 218,765 218,765 862,619 862,619 112,449
Sovereigns/Central Banks 3,024,596 3,008,359 194,782 194,782 1,142
Banks, Development Financial Institutions & MDBs 1,405,621 1,405,621 1,272
Insurance Companies, Securities Firms & Fund Managers 9,697 9,648 14,271 14,271 115,713
Residential Mortgages 15,902 15,902 15,902 15,902
Higher Risk Assets 1,090,421 1,059,077 1,446,415 1,446,415 2,243,665
Equity Exposure 44,399,862 43,067,484 28,045,805 28,045,805 205,676
Defaulted Exposures 3,190,587 2,570,951 2,570,951 5,265
Total for On-Balance Sheet Exposures 3,187,263 44,092 65,818 65,818 210,941
Off Balance Sheet Exposures 47,415 3,234,679 2,636,769 2,636,769
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives 30,682,574 30,682,574 2,454,606
Defaulted Exposures 3,234,678 46,302,163
Total for Off-Balance Sheet Exposures 151,998 - 12,160
47,634,540 (23,896) 120,302 - 9,624
Total for On and Off-Balance Sheet Exposures (107,448)
Short Position 1,899,866 30,682,574 151,989
2 MARKET RISK 10,864,312 32,854,740 2,628,379
Interest Rate Risk 753,348
Foreign Currency Risk
3 OPERATIONAL RISK
Operational Risk
Total RWA and Capital Requirements
PSIA “Profit Sharing Investment Account”
OTC “Over The Counter”
BASEL II PILLAR 3 DISCLOSURES Appendix I
as at 31st December 2018 Gross Net Risk Weighted Total Risk Minimum
Exposures/ Exposures/ Assets Weighted Capital
Disclosure on Capital Adequacy under the Standardised Approach (RM’000) (continued) EAD before EAD after CRM Assets after
Bank Effects of PSIA Requirements
2017 CRM at 8%
Exposure Class 20,741,917 19,916,489 16,464,505 16,464,505 1,317,160 ANNUAL REPORT 2018
1 CREDIT RISK 9,948,274 9,672,371 7,292,978 7,292,978 583,438
Long Position 3,053,336 3,053,336 73,674
On Balance Sheet Exposures 9,869,557 3,545,364 3,545,364 920,921 920,921 -
Corporates 28,789 3,117,230 3,117,230 - - 75,379
Regulatory Retail 23,034
Other Assets 311,806 311,806 942,235 942,235 94,858
Sovereigns/Central Banks 3,132,744 3,114,477 287,925 287,925 920
Banks, Development Financial Institutions & MDBs 1,185,722 1,185,722 1,592
Insurance Companies, Securities Firms & Fund Managers 7,670 7,670 11,505 11,505 183,482
Residential Mortgages 19,902 19,902 19,902 19,902
Higher Risk Assets 1,629,272 1,591,527 2,293,516 2,293,516 2,353,537
Equity Exposure 45,507,515 44,350,172 29,419,209 29,419,209 259,299
Defaulted Exposures 3,619,260 3,241,237 3,241,237 7,337
Total for On-Balance Sheet Exposures 3,785,108 61,499 91,713 91,713 266,636
Off Balance Sheet Exposures 66,664 3,680,759 3,332,950 3,332,950
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives 32,752,159 32,752,159 2,620,173
Defaulted Exposures 3,851,772 48,030,931
Total for Off-Balance Sheet Exposures 212,167 - 16,973
49,359,287 (80,768) 30,323 - 2,426
Total for On and Off-Balance Sheet Exposures (1,534) 1,916,984 153,359
Short Position 34,911,633 32,752,159 2,792,931
2 MARKET RISK 9,950,325
Interest Rate Risk 30,323
Foreign Currency Risk
3 OPERATIONAL RISK
Operational Risk
Total RWA and Capital Requirements
PSIA “Profit Sharing Investment Account”
OTC “Over The Counter”
367
368 AFFIN BANK BERHAD (25046-T)
BASEL II PILLAR 3 DISCLOSURES Appendix I
as at 31st December 2018
Disclosure on Capital Adequacy under the Standardised Approach (continued)
Market risk is defined as changes in the market value of a trading or investment position arising from movements in market factors such as interest/
profit rate, foreign exchange rates and implied volatility rates. The Group and the Bank’s Capital-at-Risk (‘CaR’) is defined as the amount of the Group
and the Bank’s capital that is exposed to the risk of unexpected losses arising particularly from movements in interest/profit and foreign exchange
rates. A CaR reference threshold is set as a management trigger to ensure that the Group and the Bank’s capital adequacy are not impinged upon in the
event of adverse market movements. The Group and the Bank currently adopt BNM’s Standardised Approach for the computation of market risk capital
charges. The market risk capital charge addresses among others, capital requirement for market risk which includes the interest/profit rate risk in the
Group and the Bank’s Trading Book as well as foreign exchange risk in the Trading and Banking Books.
The computation of market risk capital charge covers the following outstanding financial instruments:
(a) Foreign Exchange (‘FX’)
(b) Interest Rate Swap (‘IRS’)
(c) Cross Currency Swap (‘CCS’)
(d) Fixed Income Instruments (i.e. Corporate Bonds/Sukuk and Government Securities)
(d) FX Options
The Bank’s Trading Book Policy Statement stipulates the policies and procedures for including or excluding exposures from the Trading Book for the
purpose of calculating regulatory market risk capital.
BASEL II PILLAR 3 DISCLOSURES Appendix II
as at 31st December 2018
Disclosure on Credit Risk: Disclosures on Risk Weights under the Standardised Approach (RM’000)
Group
2018
Exposures after Netting and Credit Risk Mitigation
Risk Sovereigns PSEs Insurance Corporates Regulatory Residential Higher Other Specialised Total Total Risk
Weights & Central - Companies, 3,559,929 Retail Mortgages Risk Assets Financing/ Exposure Weighted
0% Banks - Banks, Securities - - 2,251,289 Investment Securitisation after Netting
10% - MDBs and Firms & Fund 3,547,962 - - Assets & Credit Risk Assets
20% 11,950,962 - FDIs Managers - 625 - - - -- Equity Mitigation -
35% - - 299,633 - - - 202,069 -- - 17,958,155 -
50% - 195,975 - - 7,517 5,792,683 - -- --
75% 118,870 - - 1,200,839 - - -- - 6,325,190 1,265,038
90% - - -- 14,716,600 37,139 - -- - 5,792,683 2,027,439
100% - - 24,602,697 - - 7,538 - -- - 1,697,569
110% - - 2,425,684 29,980 - 2,949,294 - - -- - 14,753,739 848,784
125% - - - 232,382 - - 1,336,621 -- -- 11,065,304
135% - - -- - - - - - -- 15,902 29,366,201
150% - - - - - - -- -- -
270% - - 182,042 - 962,303 - 162,503 - - -- -- 29,366,202
350% - - - - - - -- --
400% - - -- - 101,019 - - -- - 1,384,282 -
625% - - - - - 158,457 - -- -- -
938% - - -- - - - - - -- -- - ANNUAL REPORT 2018
1250% - - - - - - -- -- 2,076,423
Average - - 13,704 215,601 - - - - - -- -- -
Risk Weight - - - - -- -- -
Deduction - -- - - -- -
from Capital - -
Base - -- -
-
--
--
--
--
--
--
--
--
- --
- - - - -- -- - --
PSE ‘Public Sector Entities’ 369
MDB ‘Multilateral Development Banks’
FDI ‘Financial Development Institutions’
BASEL II PILLAR 3 DISCLOSURES Appendix II 370
as at 31st December 2018
Disclosure on Credit Risk: Disclosures on Risk Weights under the Standardised Approach (RM’000) (continued)
Group
2017
Exposures after Netting and Credit Risk Mitigation
Sovereigns Banks, Insurance Regulatory Residential Higher Risk Other Specialised Equity Total Total Risk
Risk Weights & Central PSEs MDBs and Companies, Corporates Retail Mortgages Assets Assets Financing/ Securitisation - Exposure Weighted
0% Banks - 2,471,302 - 2,054,515 Investment - - after Netting
10% 8,992,659 - FDIs Securities - -- - - & Credit Risk Assets AFFIN BANK BERHAD (25046-T)
20% - 195,548 Firms & Fund - 468 - - - - Mitigation -
35% 80,822 10 4,176,522 - -- 739,775 - - - 13,714,024 -
50% - - - Managers 4,033 - - -
75% - - 1,823,673 - - -- - - - - - 1,370,224
90% - - - 162,676 14,013,355 - - - 6,851,122 2,204,284
100% - - - - 6,297,954 - - - - 19,902 6,297,954 1,201,815
110% - - 1,274,670 29,852 - - - - - 2,403,630 10,517,784
125% - - - - 179,489 954,954 7,297 1,157,808 - - - 14,023,711
135% - - - - 24,773,971 - - - - - -
150% - - - - - - 10,356 - - - - - - 27,263,216
270% - - 12,596 - - - - - - - 27,263,216
350% - - - - -- - - - - -
400% - - - 307,625 1,422,972 110,104 - - - - - -
625% - - - - - - 809,753 2,072 - - - - - -
938% - - - - - - - - - - - 2,718,023
1250% - - - - - - -- - - - - 1,812,017 -
Average Risk - - - - - - - - - -
Weight - - - - -- - - - -
Deduction - - - - - - - -
from Capital - - -- - -
Base - - - -
- 126,997 151,944 -
-
--
--
--
--
--
--
- --
- - - - --- -- --
PSE ‘Public Sector Entities’
MDB ‘Multilateral Development Banks’
FDI ‘Financial Development Institutions’
BASEL II PILLAR 3 DISCLOSURES Appendix II
as at 31st December 2018
Disclosure on Credit Risk: Disclosures on Risk Weights under the Standardised Approach (RM’000) (continued)
Bank
2018
Exposures after Netting and Credit Risk Mitigation
Risk Sovereigns PSEs Insurance Corporates Regulatory Residential Higher Other Specialised Total Total Risk
Weights & Central - Companies, 2,710,457 Retail Mortgages Risk Assets Financing/ Exposure Weighted
0% Banks - Banks, Securities - - 1,664,800 Investment Securitisation after Netting
10% 3,935,155 - MDBs and Firms & Fund 1,619,781 - - Assets & Credit Risk Assets
20% - - FDIs Managers - 625 - - - -- Equity Mitigation -
35% 38,003 - 156,518 - - - 156,704 -- - 8,486,547 -
50% - - 176,135 - - 6,240 2,286,827 - -- --
75% - - - 263,448 - - -- - 3,589,138 717,828
90% - - -- 9,733,387 33,086 - - -- - 2,286,827 800,389
100% - - 17,783,101 - - - - -- - 1,596,415 798,207
110% - - 1,744,045 29,980 - 547,273 - - -- - 9,766,473 7,324,855
125% - - - 224,402 - - 851,457 -- --
135% - - -- - - - - - -- 15,902 19,647,699 -
150% - - - - - - -- -- 19,647,698
270% - - 1,170,209 - 737,907 - 83,851 - - -- --
350% - - - - - -- -- -
400% - - -- - 90,569 - 16,737 - -- - 929,064 -
625% - - - - - - - -- -- -
938% - - -- - - - - - -- -- 1,393,597 ANNUAL REPORT 2018
1250% - - - - - - -- -- -
Average - - 13,704 211,860 - - - - - -- -- -
Risk Weight - - - -- -- -
Deduction - -- - - -- -
from Capital -
Base -- -
--
--
--
--
--
--
--
--
- --
- - - - -- -- - --
PSE ‘Public Sector Entities’ 371
MDB ‘Multilateral Development Banks’
FDI ‘Financial Development Institutions’
BASEL II PILLAR 3 DISCLOSURES Appendix II 372
as at 31st December 2018
Disclosure on Credit Risk: Disclosures on Risk Weights under the Standardised Approach (RM’000) (continued)
Bank
2017
Exposures after Netting and Credit Risk Mitigation
Sovereigns Banks, Insurance Regulatory Residential Higher Risk Other Specialised Total Total Risk
Risk Weights & Central PSEs MDBs and Companies, Corporates Retail Mortgages Assets Assets Financing/ Securitisation Equity Exposure Weighted
0% Banks - 1,838,464 - 1,608,481 Investment - - after Netting
10% 3,549,934 - FDIs Securities - -- - - & Credit Risk Assets AFFIN BANK BERHAD (25046-T)
20% - 175,762 Firms & Fund - 468 - - - - Mitigation -
35% 12,765 10 2,051,055 - -- 654,918 - - - 7,172,641 -
50% - - - Managers 1,478 - - -
75% - - 2,001,807 - - -- - - - - - 950,175
90% - - - 42,403 9,736,246 - - - - 4,750,875 998,923
100% - - - - 2,854,066 - - - - 2,854,066 758,048
110% - - 1,254,192 29,852 - - - - 19,902 1,516,097 7,309,843
125% - - - - 172,432 218,024 - 789,937 - - - 9,746,457
135% - - - - 19,026,131 - - - - - -
150% - - - - - - 10,211 - - - - - - 20,502,049
270% - - 12,596 - - - - - - - 20,502,049
350% - - - - -- - - - - -
400% - - - 301,112 1,294,951 102,455 - - - - - -
625% - - - - - - 179,939 - - - - - - -
938% - - - - - - - - - - - 2,233,120
1250% - - - - - - -- - - - - 1,488,747 -
Average Risk - - - - - - - - - - -
Weight - - - - -- - - - -
Deduction - - - - - - - -
from Capital - - -- - -
Base - - - -
- 76,890 14,451 -
-
--
--
--
--
--
--
- --
- - - - --- -- --
PSE ‘Public Sector Entities’
MDB ‘Multilateral Development Banks’
FDI ‘Financial Development Institutions’
BASEL II PILLAR 3 DISCLOSURES Appendix III
as at 31st December 2018
i) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) Ratings of Corporate by Approved ECAIs
Group
2018 Moodys Aaa to Aa3 A1 to A3 Baa1 to Ba3 B1 to C Unrated
S&P B+ to D Unrated
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated
RAM Unrated
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BB- B to D Unrated
Credit Exposures (using Corporate Risk Weights) Rating & B+ to D
Public Sector Entities (applicable for entities risk weighted based on their Investment Inc AAA to AA3 A to A3 BBB1 to BB3 Unrated
external ratings as corporates) B+ to D
Insurance Cos, Securities Firms & Fund Managers AAA to AA- A+ to A- BBB+ to BB-
Corporates
Total AAA to AA- A+ to A- BBB+ to BB-
- - - -- ANNUAL REPORT 2018
- - - - 245,580
2,702,431 143,238 8,084 - 31,174,197
2,702,431 143,238 8,084 - 31,419,777
373
BASEL II PILLAR 3 DISCLOSURES Appendix III 374
as at 31st December 2018
i) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Group
2017
Ratings of Corporate by Approved ECAIs
Moodys Aaa to Aa3 A1 to A3 Baa1 to Ba3 B1 to C Unrated
S&P B+ to D Unrated
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated
RAM Unrated
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BB- B to D Unrated
Credit Exposures (using Corporate Risk Weights) Rating & B+ to D
Public Sector Entities (applicable for entities risk weighted based on their Investment Inc AAA to AA3 A to A3 BBB1 to BB3 Unrated
external ratings as corporates) B+ to D
Insurance Cos, Securities Firms & Fund Managers AAA to AA- A+ to A- BBB+ to BB- AFFIN BANK BERHAD (25046-T)
Corporates
Total AAA to AA- A+ to A- BBB+ to BB-
- - - - 25
- - - - 337,668
3,188,098 92,068 130,461 - 30,670,285
3,188,098 92,068 130,461 - 31,007,978
BASEL II PILLAR 3 DISCLOSURES Appendix III
as at 31st December 2018
i) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Bank
2018
Ratings of Corporate by Approved ECAIs
Moodys Aaa to Aa3 A1 to A3 Baa1 to Ba3 B1 to C Unrated
S&P B+ to D Unrated
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated
RAM Unrated
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BB- B to D Unrated
Credit Exposures (using Corporate Risk Weights) Rating & B+ to D
Public Sector Entities (applicable for entities risk weighted based on their Investment Inc AAA to AA3 A to A3 BBB1 to BB3 Unrated
external ratings as corporates) B+ to D
Insurance Cos, Securities Firms & Fund Managers AAA to AA- A+ to A- BBB+ to BB-
Corporates
Total AAA to AA- A+ to A- BBB+ to BB-
----- ANNUAL REPORT 2018
- - - - 241,839
986,311 78,708 - - 22,903,167
986,311 78,708 - - 23,145,006
375
BASEL II PILLAR 3 DISCLOSURES Appendix III 376
as at 31st December 2018
i) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Bank
2017
Ratings of Corporate by Approved ECAIs
Moodys Aaa to Aa3 A1 to A3 Baa1 to Ba3 B1 to C Unrated
S&P B+ to D Unrated
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BB- B+ to D Unrated
RAM Unrated
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BB- B to D Unrated
Credit Exposures (using Corporate Risk Weights) Rating & B+ to D
Public Sector Entities (applicable for entities risk weighted based on their Investment Inc AAA to AA3 A to A3 BBB1 to BB3 Unrated
external ratings as corporates) B+ to D
Insurance Cos, Securities Firms & Fund Managers AAA to AA- A+ to A- BBB+ to BB- AFFIN BANK BERHAD (25046-T)
Corporates
Total AAA to AA- A+ to A- BBB+ to BB-
- - - - 25
- - - - 331,154
1,363,196 33,660 28,819 - 23,837,140
1,363,196 33,660 28,819 - 24,168,319
BASEL II PILLAR 3 DISCLOSURES Appendix III
as at 31st December 2018
(ii) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Group
2018
Ratings of Sovereigns and Central Banks by Approved ECAIs
Exposure Class Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 Caa1 to C Unrated
CCC+ to D Unrated
On and Off-Balance-Sheet Exposures S&P AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated
Sovereigns and Central Banks
Total Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to C Unrated
Rating & AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- - -
Investment Inc - -
3,368,746 8,701,102 - - Caa1 to C Unrated
CCC+ to D Unrated
3,368,746 8,701,102 - - CCC+ to D Unrated
Unrated
Ratings of Banking Institutions by Approved ECAIs C1+ to D Unrated
C+ to D
Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 Unrated ANNUAL REPORT 2018
S&P AAA to AA- CCC+ to C
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- 705,107
RAM AAA to AA3- - 705,107
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- -
Banks, MDBs and FDIs Rating &
Total Investment Inc AAA to AA- A1 to A3 BBB1+ to BBB3 BB1 to B3
1,996,577 A+ to A- BBB+ to BBB- BB+ to B-
1,996,577
A+ to A- BBB+ to BBB- BB+ to B-
53,284 49,042 13,388
53,284 49,042 13,388
377
BASEL II PILLAR 3 DISCLOSURES Appendix III 378
as at 31st December 2018
(ii) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Group
2017
Ratings of Sovereigns and Central Banks by Approved ECAIs
Exposure Class Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 Caa1 to C Unrated
AAA to AA- CCC+ to D Unrated
On and Off-Balance-Sheet Exposures S&P AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated
Sovereigns and Central Banks
Total Fitch A+ to A- BBB+ to BBB- BB+ to B- CCC+ to C Unrated
Rating & AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- - 22,707 AFFIN BANK BERHAD (25046-T)
Investment Inc - 22,707
2,756,528 6,294,245 - - Caa1 to C Unrated
CCC+ to D Unrated
2,756,528 6,294,245 - - CCC+ to D Unrated
Unrated
Ratings of Banking Institutions by Approved ECAIs C1+ to D Unrated
C+ to D
Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 Unrated
S&P AAA to AA- CCC+ to C
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- 1,650,047
RAM AAA to AA3- - 1,650,047
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- -
Banks, MDBs and FDIs Rating &
Total Investment Inc A1 to A3 BBB1+ to BBB3 BB1 to B3
A+ to A- BBB+ to BBB- BB+ to B-
AAA to AA- A+ to A- BBB+ to BBB- BB+ to B-
1,589,991 36,479 17,335 12,596
1,589,991 36,479 17,335 12,596
BASEL II PILLAR 3 DISCLOSURES Appendix III
as at 31st December 2018
(ii) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Bank
2018
Ratings of Sovereigns and Central Banks by Approved ECAIs
Exposure Class Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 Caa1 to C Unrated
CCC+ to D Unrated
On and Off-Balance-Sheet Exposures S&P AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated
Sovereigns and Central Banks
Total Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to C Unrated
Rating & AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- - -
Investment Inc - -
- 3,973,173 - - Caa1 to C Unrated
- 3,973,173 - - CCC+ to D Unrated
CCC+ to D Unrated
Ratings of Banking Institutions by Approved ECAIs Unrated
C1+ to D Unrated
Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 C+ to D ANNUAL REPORT 2018
S&P AAA to AA- Unrated
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to C
RAM AAA to AA3- 1,775,109
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- - 1,775,109
Banks, MDBs and FDIs Rating & -
Total Investment Inc AAA to AA- A1 to A3 BBB1+ to BBB3 BB1 to B3
1,235,936 A+ to A- BBB+ to BBB- BB+ to B-
1,235,936
A+ to A- BBB+ to BBB- BB+ to B-
53,284 26,376 13,388
53,284 26,376 13,388
379
BASEL II PILLAR 3 DISCLOSURES Appendix III 380
as at 31st December 2018
(ii) Disclosures on Rated Exposures according to Ratings by ECAIs (RM’000) (continued)
Bank
2017
Ratings of Sovereigns and Central Banks by Approved ECAIs
Exposure Class Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 Caa1 to C Unrated
AAA to AA- CCC+ to D Unrated
On and Off-Balance-Sheet Exposures S&P AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to D Unrated
Sovereigns and Central Banks
Total Fitch A+ to A- BBB+ to BBB- BB+ to B- CCC+ to C Unrated
Rating & AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- - - AFFIN BANK BERHAD (25046-T)
Investment Inc - -
- 3,562,700 - - Caa1 to C Unrated
- 3,562,700 - - CCC+ to D Unrated
CCC+ to D Unrated
Ratings of Banking Institutions by Approved ECAIs Unrated
C1+ to D Unrated
Moodys Aaa to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to B3 C+ to D
S&P AAA to AA- Unrated
Exposure Class Fitch AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- CCC+ to C
RAM AAA to AA3- 1,800,047
On and Off-Balance-Sheet Exposures MARC AAA to AA- A+ to A- BBB+ to BBB- BB+ to B- - 1,800,047
Banks, MDBs and FDIs Rating & -
Total Investment Inc A1 to A3 BBB1+ to BBB3 BB1 to B3
A+ to A- BBB+ to BBB- BB+ to B-
AAA to AA- A+ to A- BBB+ to BBB- BB+ to B-
1,577,899 36,479 17,335 12,597
1,577,899 36,479 17,335 12,597
BASEL II PILLAR 3 DISCLOSURES Appendix IV
as at 31st December 2018 Exposures Exposures Exposures Exposures
before CRM Covered by Covered by Covered by
a) Disclosures on Credit Risk Mitigation (RM’000) Guarantees/Credit Eligible Financial Other Eligible
Derivatives
Group Collateral Collateral
2018
11,916,473 - 15 - ANNUAL REPORT 2018
Exposure Class 2,454,179 - - -
CREDIT RISK - - -
On Balance Sheet Exposures 218,915 733,412 -
Sovereigns/Central Banks 29,408,781 545 1,008,344 -
Banks, Development Financial Institutions & MDBs 15,250,688 - 422,353 -
Insurance Cos, Securities Firms & Fund Managers 9,318,235 5,315 30,607 -
Corporates - 3,915 -
Regulatory Retail 157,032 - - -
Residential Mortgages 3,789,979 80 - -
Higher Risk Assets 36,344
Other Assets 15,902 739,352 -
Equity Exposure 1,447,297 1,501,578
Defaulted Exposures
Total for On-Balance Sheet Exposures 73,977,481
Off Balance Sheet Exposures 5,086,745 - - -
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives 51,819 - - -
Defaulted Exposures - - -
Total for Off-Balance Sheet Exposures 5,138,564 739,352 1,501,578 -
Total for On and Off-Balance Sheet Exposures 79,116,045
381
BASEL II PILLAR 3 DISCLOSURES Appendix IV 382
as at 31st December 2018 Exposures Exposures Exposures Exposures
before CRM Covered by Covered by Covered by
a) Disclosures on Credit Risk Mitigation (RM’000) (continued) Guarantees/Credit Eligible Financial Other Eligible
Derivatives
Group Collateral Collateral
2017
8,956,404 - - - AFFIN BANK BERHAD (25046-T)
Exposure Class 2,859,992 - - -
CREDIT RISK - 191 -
On Balance Sheet Exposures 311,854 63,490 1,031,309 -
Sovereigns/Central Banks 28,576,002 388 318,459 -
Banks, Development Financial Institutions & MDBs 14,543,952 - 31,417 -
Insurance Cos, Securities Firms & Fund Managers 7,418,233 7,297 3,615 -
Corporates - - -
Regulatory Retail 156,983 - - -
Residential Mortgages 3,583,287 80 42,971 -
Higher Risk Assets -
Other Assets 19,902 71,255 1,427,962
Equity Exposure 1,786,865 -
Defaulted Exposures -
Total for On-Balance Sheet Exposures 68,213,474 -
-
Off Balance Sheet Exposures 5,499,135 - 15
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives 69,412 - -
Defaulted Exposures -
Total for Off-Balance Sheet Exposures 5,568,547 71,255 15
Total for On and Off-Balance Sheet Exposures 73,782,021 1,427,977
BASEL II PILLAR 3 DISCLOSURES Appendix IV
as at 31st December 2018 Exposures Exposures Exposures Exposures
before CRM Covered by Covered by Covered by
a) Disclosures on Credit Risk Mitigation (RM’000) (continued) Guarantees/Credit Eligible Financial Other Eligible
Derivatives
Bank Collateral Collateral
2018
3,935,142 - 15 - ANNUAL REPORT 2018
Exposure Class 2,833,092 - - -
CREDIT RISK - - -
On Balance Sheet Exposures 218,765 667,372 -
Sovereigns/Central Banks 20,573,025 545 927,055 -
Banks, Development Financial Institutions & MDBs 10,026,261 - 354,353 -
Insurance Cos, Securities Firms & Fund Managers 3,024,596 - 16,236 -
Corporates - -
Regulatory Retail 9,697 - 50 -
Residential Mortgages 2,672,961 80 - -
Higher Risk Assets -
Other Assets 15,902 667,997 -
Equity Exposure 1,090,421 34,667
Defaulted Exposures
Total for On-Balance Sheet Exposures 44,399,862 1,332,376
Off Balance Sheet Exposures 3,187,263 - - -
Off-Balance Sheet exposures other than OTC derivatives or credit derivatives 47,415 - - -
Defaulted Exposures - - -
Total for Off-Balance Sheet Exposures 3,234,678 667,997 1,332,376 -
Total for On and Off-Balance Sheet Exposures 47,634,540
383
BASEL II PILLAR 3 DISCLOSURES Appendix IV 384
as at 31st December 2018 Exposures Exposures Exposures Exposures
before CRM Covered by Covered by Covered by
a) Disclosures on Credit Risk Mitigation (RM’000) (continued) Guarantees/Credit Eligible Financial Other Eligible
Derivatives
Bank Collateral Collateral
2017
3,545,364 - - - AFFIN BANK BERHAD (25046-T)
Exposure Class 3,117,230 - - -
CREDIT RISK - 191 -
On Balance Sheet Exposures 311,806 1,625 967,651 -
Sovereigns/Central Banks 20,741,917 388 298,922 -
Banks, Development Financial Institutions & MDBs 9,948,274 - 18,667 -
Insurance Cos, Securities Firms & Fund Managers 3,132,744 - - -
Corporates - - -
Regulatory Retail 7,670 - - -
Residential Mortgages 3,053,336 80 42,910 -
Higher Risk Assets -
Other Assets 19,902 2,093 1,328,341
Equity Exposure 1,629,272 -
Defaulted Exposures -
Total for On-Balance Sheet Exposures 45,507,515 -
-
Off Balance Sheet Exposures 3,785,108 - 15
Off Balance Sheet Exposures other than OTC derivatives or credit derivatives 66,664 - -
Defaulted Exposures -
Total for Off-Balance Sheet Exposures 3,851,772 2,093 15
Total for On and Off-Balance Sheet Exposures 49,359,287 1,328,356
BASEL II PILLAR 3 DISCLOSURES Appendix IV
as at 31st December 2018
b) Disclosure on Off-Balance Sheet and Counterparty Credit Risk (RM’000)
Counterparty Credit Risk is the risk that the counterparty to a transaction could default before the final settlement of the transaction’s cashflows. An economic loss could occur if the transactions with the counterparty
has a positive economic value for the Bank at the time of default.
In contrast to the exposure to credit risk through a loan, where the exposure to credit risk is unilateral and only the lending bank faces the risk of loss, Counterparty Credit Risk creates a bilateral risk of loss where the
market value for many types of transactions can be positive or negative to either counterparty.
In respect of off-balance sheet items, the credit risk inherent in each off-balance sheet instrument is translated into an on-balance sheet exposure equivalent (credit equivalent) by multiplying the nominal principal
amount with a credit conversion factor (‘CCF’) as prescribed by the Standardised Approach under the Risk Weighted Capital Adequacy Framework. The resulting amount is then weighted against the risk weight of the
counterparty. In addition, counterparty risk weights for over-the-counter (‘OTC’) derivative transactions will be determined based on the external rating of the counterparty and will not be subject to any specific ceiling.
Group
2018
Description Principal Amount Positive Fair Value Credit Equivalent Risk Weighted ANNUAL REPORT 2018
Direct Credit Substitutes 613,796 of Derivative Amount Amount
Transaction related contingent Items Contracts 613,763 543,435
Short Term Self Liquidating trade related contingencies 1,943,980 971,990 906,744
Foreign exchange related contracts 432,728 86,546 37,406
One year or less
Over one year to five years 11,009,067 58,950 238,299 114,883
Over five years 400,719 7,145 33,888 20,281
Interest/Profit rate related contracts -
One year or less - - -
Over one year to five years
Over five years 946,000 795 1,657 360
Other commitments, such as formal standby facilities and credit lines, with an original maturity of over one year 2,800,148 10,113 88,647 23,482
Other commitments, such as formal standby facilities and credit lines, with an original maturity of up to one year 1,025,000 11,802 65,490 18,551
Any commitments that are unconditionally cancelled at any time by the bank without prior notice or that 2,755,103 1,377,552 969,457
effectively provide for automatic cancellation due to deterioration in a borrower’s creditworthiness 7,690,157 1,538,031 1,187,643
Unutilised credit card lines
Total 615,870 88,805 - - 385
613,506 122,701 91,735
30,846,075 5,138,564 3,913,978
BASEL II PILLAR 3 DISCLOSURES Appendix IV 386
as at 31st December 2018
b) Disclosure on Off-Balance Sheet and Counterparty Credit Risk (RM’000) (continued) Principal Amount Positive Fair Value Credit Equivalent Risk Weighted AFFIN BANK BERHAD (25046-T)
573,469 of Derivative Amount Amount
Group Contracts 573,469 527,606
2017 2,091,113 978,111
431,400 140,577 1,045,556 43,360
Description 10,260 86,280
Direct Credit Substitutes 12,007,480 2,332 119,636
Transaction related contingent Items 380,815 2,715 318,668 18,760
Short Term Self Liquidating trade related contingencies 42,485 4,616 35,102 1,993
Foreign exchange related contracts 12,625 9,965
One year or less 886,000 428
Over one year to five years 2,216,148 173,125 1,781 14,545
Over five years 1,115,000 53,760 20,171
Interest/Profit rate related contracts 3,255,925 73,210 1,242,686
One year or less 8,349,806 1,627,962 1,428,380
Over one year to five years 1,669,961
Over five years 571,760 -
Other commitments, such as formal standby facilities and credit lines, with an original maturity of over one year 364,163 - 54,298
Other commitments, such as formal standby facilities and credit lines, with an original maturity of up to one year 32,285,564 72,833 4,449,974
Any commitments that are unconditionally cancelled at any time by the bank without prior notice or that 5,568,547
effectively provide for automatic cancellation due to deterioration in a borrower’s creditworthiness
Unutilised credit card lines
Total
BASEL II PILLAR 3 DISCLOSURES Appendix IV
as at 31st December 2018
b) Disclosure on Off-Balance Sheet and Counterparty Credit Risk (RM’000) (continued) Principal Amount Positive Fair Value Credit Equivalent Risk Weighted
415,834 of Derivative Amount Amount
Bank Contracts 415,834 353,435
2018 1,662,775 831,387 766,784
113,759 22,752 22,184
Description
Direct Credit Substitutes 8,576,966 42,315 188,044 78,418
Transaction related contingent Items 96,030 349 5,762 2,881
Short Term Self Liquidating trade related contingencies - - -
Foreign exchange related contracts -
One year or less 251,000 751 254 ANNUAL REPORT 2018
Over one year to five years 990,148 6,846 33,502 79
Over five years 995,000 11,570 63,458 10,743
Interest/Profit rate related contracts 756,251 378,125 18,145
One year or less 6,060,241 1,212,048 332,944
Over one year to five years 988,818
Over five years 133,561 61,831 -
Other commitments, such as formal standby facilities and credit lines, with an original maturity of over one year 417,558 83,512 -
Other commitments, such as formal standby facilities and credit lines, with an original maturity of up to one year 20,469,123 3,234,678 62,338
Any commitments that are unconditionally cancelled at any time by the bank without prior notice or that 2,636,769
effectively provide for automatic cancellation due to deterioration in a borrower’s creditworthiness
Unutilised credit card lines
Total
387
BASEL II PILLAR 3 DISCLOSURES Appendix IV 388
as at 31st December 2018
b) Disclosure on Off-Balance Sheet and Counterparty Credit Risk (RM’000) (continued) Principal Amount Positive Fair Value Credit Equivalent Risk Weighted AFFIN BANK BERHAD (25046-T)
376,301 of Derivative Amount Amount
Bank Contracts 376,301 338,369
2017 1,797,759 898,879 834,003
151,867 99,240 30,374 28,456
Description 321
Direct Credit Substitutes 7,587,059 220,154 74,011
Transaction related contingent Items 97,051 2,332 8,699 4,377
Short Term Self Liquidating trade related contingencies 42,485 2,715 9,965 1,993
Foreign exchange related contracts 3,586
One year or less 736,000 12,625 1,761 488
Over one year to five years 701,148 18,761 6,225
Over five years 1,115,000 120,819 73,210 20,171
Interest/Profit rate related contracts 1,598,619 799,309 760,869
One year or less 6,707,971 1,341,594 1,209,740
Over one year to five years
Over five years 136,844 - -
Other commitments, such as formal standby facilities and credit lines, with an original maturity of over one year 363,825 72,765 54,248
Other commitments, such as formal standby facilities and credit lines, with an original maturity of up to one year 21,411,929 3,851,772 3,332,950
Any commitments that are unconditionally cancelled at any time by the bank without prior notice or that
effectively provide for automatic cancellation due to deterioration in a borrower’s creditworthiness
Unutilised credit card lines
Total
BASEL II PILLAR 3 DISCLOSURES Appendix IV
as at 31st December 2018
c) Disclosures on Market Risk - Interest/profit Rate Risk/Rate of Return Risk in the Banking Book
Interest/Profit rate risk is the risk to earnings and capital arising from exposure to adverse movements in interest/profit rates mainly due to mismatches in timing repricing of assets and liabilities. These mismatches are
actively managed from an earnings and economic value perspective.
The objective of interest/profit rate risk management is to achieve a stable and sustainable net interest/profit income from the following perspectives:
(1) Next 12 months’ Earnings - Interest/profit rate risk from the earnings perspective is the impact based on changes to the net interest/profit income (‘NII’) over the next 12 months. This risk is measured through
sensitivity analysis including the application of an instantaneous 100 basis point parallel shock in interest/profit rates across the yield curve.
(2) Economic Value - Measuring the change in the economic value of equity (‘EVE’) is an assessment of the long term impact to the Group and the Bank’s capital. This is assessed through the application of relevant
duration factors to capture the net economic value impact over the long term or total life of all balance sheet assets and liabilities to adverse changes in interest/profit rates.
Interest/Profit rate risk thresholds are established in line with the Group and the Bank’s strategy and risk appetite. These thresholds are reviewed regularly to ensure relevance in the context of prevailing market
conditions.
2018
Group Bank ANNUAL REPORT 2018
Impact on Positions Impact on Positions
(100 basis points) Parallel Shift
Type of Currency (RM million) (100 basis points) Parallel Shift
Increase/(Decline) Increase/(Decline)
Ringgit Malaysia in Earnings in Economic Value Increase/(Decline) Increase/(Decline)
US Dollar
Euro 40.6 192.3 in Earnings in Economic Value
Great Britain Pound 3.5 4.2
Australian Dollar (1.4) 2.2 (33.4) 336.0
Singapore Dollar (0.1) -
Japanese Yen (0.1) 0.1 3.5 5.7
Others (#) (0.5) (2.1)
Total (1.4) 2.2
--
# Others comprise of CNH, NZD, HKD and AED currencies where the amount of each currency is relatively small. (0.4) - (0.1) -
41.6 196.7 (0.1) 0.1
(0.4) 0.1
--
--
(31.9) 344.1
389
BASEL II PILLAR 3 DISCLOSURES Appendix IV 390
as at 31st December 2018
c) Disclosures on Market Risk - Interest/profit Rate Risk/Rate of Return Risk in the Banking Book (continued) Group Bank
2017
Impact on Positions Impact on Positions
Type of Currency (RM million)
(100 basis points) Parallel Shift (100 basis points) Parallel Shift
Ringgit Malaysia
US Dollar Increase/(Decline) Increase/(Decline) Increase/(Decline) Increase/(Decline)
Euro
Great Britain Pound in Earnings in Economic Value in Earnings in Economic Value
Australian Dollar
Singapore Dollar (45.6) 676.2 (12.6) 368.9
Others (#)
Total (4.5) 36.1 (3.1) 33.3 AFFIN BANK BERHAD (25046-T)
# Others comprise of CNH, NZD, HKD and AED currencies where the amount of each currency is relatively small.
(1.1) 9.0 (1.1) 9.0
(0.2) - (0.2) -
(1.8) (0.2) (1.8) (0.2)
(0.2) 3.4 (0.2) 0.1
(1.3) - (0.8) (0.1)
(54.7) 724.5 (19.8) 411.0
ANNUAL REPORT 2018 391
ADDITIONAL
DISCLOSURE
Pursuant to Listing Requirements
The information set out below is disclosed in accordance with the Main Market Listing Requirements of Bursa Malaysia Securities Berhad (“Listing
Requirements”):
1. Utilisation of proceeds raised from corporate proposals
During the financial year ended 31 December 2018, Affin Bank and its subsidiaries have issued the following instruments:
(a) Additional Tier 1 Capital Securities (“AT1CS”) programme of RM3.0 billion in nominal value (“AT1CS Programme”) by Affin Bank
Berhad (“Affin Bank”)
On 31 July 2018, Affin Bank issued AT1CS with a nominal value of RM500,000,000 (“Series 1 AT1CS”). The AT1CS issued from the AT1CS
Programme qualifies as BASEL-III Additional Tier 1 Capital of Affin Bank in accordance with the Capital Adequacy Framework (Capital
Components) issued on 2 February 2018 by Bank Negara Malaysia. The tenure of the Series 1 AT1CS is perpetual on a non-callable 5 years
basis.
The proceeds raised have been utilised for the general banking working capital requirements and business purposes of Affin Bank.
(b) Islamic Medium-Term Notes programme of RM5.0 billion in nominal value for the issuance of Senior Sukuk Murabahah, Tier 2
Sukuk Murabahah (“T2 Sukuk Murabahah”) and/or Additional Tier 1 Sukuk Wakalah (“AT1 Sukuk Wakalah”) by Affin Islamic
Bank Berhad (“Affin Islamic”) (“Sukuk Programme”)
(i) On 18 October 2018, Affin Islamic issued AT1 Sukuk Wakalah with a nominal value of RM300,000,000 under the Sukuk Programme.
The AT1 Sukuk Wakalah issued under the Sukuk Programme qualifies as Basel III-compliant Additional Tier 1 capital of Affin Islamic,
in accordance with the Capital Adequacy Framework for Islamic Banks (Capital Components) issued on 2 February 2018 by Bank
Negara Malaysia. The tenure of the AT1 Sukuk Wakalah issued is perpetual on a non-callable 5 years basis.
The proceeds raised have been utilised for general banking working capital requirements and business purposes of Affin Islamic in
Shariah compliant manner.
(ii) On 23 October 2018, Affin Islamic issued T2 Sukuk Murabahah with a nominal value of RM800,000,000 under the Sukuk Programme.
The T2 Sukuk Murabahah qualifies as Basel III-compliant Tier 2 capital of Affin Islamic, in accordance with the Capital Adequacy
Framework for Islamic Banks (Capital Components) issued on 2 February 2018 by Bank Negara Malaysia. The tenure of the T2 Sukuk
Murabahah issued is 10 years on a non-callable 5 years basis. The T2 Sukuk Murabahah was fully subscribed by Affin Bank.
The proceeds raised have been utilised for general banking working capital requirements and business purposes of Affin Islamic in
Shariah compliant manner.
2. Materials Contracts
There were no material contracts entered into by Affin Bank and/or its subsidiary companies involving the interests of directors or major
shareholders which subsisted at the end of the financial year ended 31 December 2018 or, if not then subsisting entered into since the end of
the previous financial year.
3. Recurrent Related Party Transactions of a Revenue or Trading Nature
At the Annual General Meeting held on 15 May 2018, Affin Bank had obtained shareholders’ mandate to allow Affin Bank and its subsidiaries to
enter into recurrent related party transactions of a revenue or trading nature, which are necessary for the day-to-day operations of Affin Bank
and/or its subsidiaries within the ordinary course of business of Affin Bank and/or its subsidiaries (“Shareholders’ Mandate”).
In accordance with Section 3.1.5 of Practice Note No. 12 of the Listing Requirements, the details of the RRPTs conducted during the financial year
ended 31 December 2018 by Affin Bank and its subsidiaries under the Shareholders’ Mandate are disclosed as follows:
392 AFFIN BANK BERHAD (25046-T)
ADDITIONAL DISCLOSURE
Pursuant to Listing Requirements
Name of Related Company Nature of Transaction Interested Directors/Major Shareholders/ Value of
Company Person(s) Connected to Interested Transaction
Perbadanan Rental payment by Affin Bank for Directors or Interested Major Shareholders
Affin Bank Perwira Niaga office premises, service charge RM’000
Malaysia and space for Automated Teller Interested Directors 157
Machine (ATM) at various locations Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
for a lease period ranging from Zahidi bin Haji Zainuddin (R) and Mohd 1,634
two (2) to three (3) years Suffian bin Haji Haron
11,804
Boustead Travel Provision of travelling related Interested Major Shareholder
Services Sdn services to Affin Bank LTAT 318
Bhd (“Boustead
Travel”) Interested Directors 207
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Boustead Rental payment by Affin Bank Zahidi bin Haji Zainuddin (R) and Mohd 1,269
Properties Sdn for office premises and car park Suffian bin Haji Haron
Bhd (“Boustead payable monthly for a lease term 12
Properties”) renewable every five (5) years Interested Major Shareholders
(Menara AFFIN) LTAT and Boustead 87
Lembaga Tabung Rental payment by Affin Bank Interested Directors
Angkatan Tentera for office premises and car park Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
(“LTAT”) payable monthly for a lease term Zahidi bin Haji Zainuddin (R) and Mohd
renewable every three (3) years Suffian bin Haji Haron
Boustead Rental payment by Affin Bank for Interested Major Shareholders
Curve Sdn Bhd office premises, car parking and LTAT and Boustead
(“Boustead utilities charges for a lease term
Curve”) renewable every three (3) years Interested Directors
and payment for other related Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
services (The Curve) Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Boustead Hotels & Hotel facilities and refreshment
Resorts Sdn Bhd provided to Affin Bank Interested Major Shareholder
(“Boustead Hotels LTAT
& Resorts”)
Interested Directors
Boustead Hotels & Rental payment by Affin Bank Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Resorts for space of ATM machine at The Suffian bin Haji Haron
Royale Chulan Kuala Lumpur Hotel Interested Major Shareholders
LTAT and Boustead
Boustead LED advertising charges and
Petroleum related expenses to Affin Bank Interested Directors
Marketing Sdn Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Bhd (“Boustead Zahidi bin Haji Zainuddin (R) and Mohd
Petroleum”) Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
ANNUAL REPORT 2018 393
ADDITIONAL DISCLOSURE
Pursuant to Listing Requirements
Name of Related Company Nature of Transaction Interested Directors/Major Shareholders/ Value of
Company Person(s) Connected to Interested Transaction
Affin Bank Boustead Rental payment by Affin Bank for Directors or Interested Major Shareholders
(continued) Petroleum space of ATM machine at BHP RM’000
petrol stations Interested Directors
AFFIN Islamic Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd 190
Zahidi bin Haji Zainuddin (R) and Mohd
AFFIN Hwang Suffian bin Haji Haron
Investment Bank
Berhad (“AFFIN Gen. (R) Dato’ Seri Rental payment by Affin Bank for Interested Major Shareholders 60
Hwang IB”) DiRaja Tan Sri branch premises payable monthly LTAT and Boustead
Mohd Zahidi bin for a lease term renewable every
Haji Zainuddin three (3) years (Kulai) Interested Director
Gen. (R) Dato’ Seri DiRaja Tan Sri Mohd Zahidi
Boustead Travel Provision of travelling related bin Haji Zainuddin
services to AFFIN Islamic
Interested Directors 69
Boustead Hotels & Hotel facilities and refreshment Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd -
Zahidi bin Haji Zainuddin (R) and Mohd
Resorts provided to AFFIN Islamic Suffian bin Haji Haron 2,599
460
Boustead Rental payment by AFFIN Hwang Interested Major Shareholders 41
Realty Sdn Bhd IB for office premises, car LTAT and Boustead 266
(“Boustead parking and utilities charges for
Realty”) a lease term renewable every Interested Directors
three (3) years and payment for Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Boustead Travel other related services (Menara Zahidi bin Haji Zainuddin (R) and Mohd
Boustead) Suffian bin Haji Haron
Provision of travelling related Interested Major Shareholders
services to AFFIN Hwang IB LTAT and Boustead
Boustead Petrol consumption Interested Directors
Petroleum Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Boustead Curve Rental payment by AFFIN Hwang Suffian bin Haji Haron
IB for office premises, car parking
and utilities charges for a lease Interested Major Shareholders
term renewable every three (3) LTAT and Boustead
years and payment for other
related services (The Curve) Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Tan Sri Dato’
Seri Lodin bin Wok Kamaruddin
Interested Major Shareholders
LTAT and Boustead
394 AFFIN BANK BERHAD (25046-T)
ADDITIONAL DISCLOSURE
Pursuant to Listing Requirements
Name of Related Company Nature of Transaction Interested Directors/Major Shareholders/ Value of
Company Irat Person(s) Connected to Interested Transaction
AFFIN Hwang IB Rental payment by AFFIN Hwang Directors or Interested Major Shareholders
(continued) IB for office premises, car RM’000
parking and utilities charges for a Interested Directors
AFFIN renewable lease term every three Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd 2,375
Hwang Asset (3) years and payment for other Zahidi bin Haji Zainuddin (R) and Mohd
Management related services (Chulan Tower) Suffian bin Haji Haron
Berhad (“AFFIN
Hwang Asset Boustead Hotels & Hotel facilities and refreshment Interested Major Shareholder 171
Management”) Resorts provided to AFFIN Hwang IB for LTAT
staff in-house training and other
expenses Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Royale Chulan Accommodation and meeting Interested Major Shareholders 112
Penang package LTAT and Boustead
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
LTAT Management fees payable by Interested Major Shareholders 273
LTAT to AFFIN Hwang Asset LTAT and Boustead
Management
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R), Mohd Suffian
bin Haji Haron and Tan Sri Dato’ Seri Lodin bin
Wok Kamaruddin
Boustead Travel Provision of travelling related Interested Major Shareholder 965
services to AFFIN Hwang Asset LTAT
Management
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R), Mohd Suffian
bin Haji Haron and Tan Sri Dato’ Seri Lodin bin
Wok Kamaruddin
Boustead Hotels & Hotel facilities and refreshment Interested Major Shareholders 55
Resorts provided to AFFIN Hwang Asset LTAT and Boustead
Management for staff in-house
training and other expenses Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R), Mohd Suffian
bin Haji Haron and Tan Sri Dato’ Seri Lodin bin
Wok Kamaruddin
Boustead Realty Rental payment by AFFIN Interested Major Shareholders 2,843
Hwang Asset Management for LTAT and Boustead
Nikko Asset office premises and car park
Management payable monthly for a lease term Interested Directors
renewable every three (3) years Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
and payment for other related Zahidi bin Haji Zainuddin (R), Mohd Suffian
services bin Haji Haron and Tan Sri Dato’ Seri Lodin bin
Wok Kamaruddin
Management fees payable by
AFFIN Hwang Asset Management Interested Major Shareholders 420
to Nikko Asset Management LTAT and Boustead
Interested Director
David Jonathan Semaya
Interested Major Shareholder
Nikko Asset Management
ANNUAL REPORT 2018 395
ADDITIONAL DISCLOSURE
Pursuant to Listing Requirements
Name of Related Company Nature of Transaction Interested Directors/Major Shareholders/ Value of
Company Person(s) Connected to Interested Transaction
AFFIN Directors or Interested Major Shareholders
Hwang Asset RM’000
Management Nikko Asset Advisory fees payable by AFFIN Interested Director 790
(continued) Management Hwang Asset Management to David Jonathan Semaya
Nikko Asset Management 764
AFFIN Interested Major Shareholder
Moneybrokers Nikko Asset Management 392
Sdn Bhd (“AFFIN
Moneybrokers”) Nikko Asset Other fees and commission Interested Director 80
Management payable by Nikko Asset David Jonathan Semaya
Management to AFFIN Hwang
Asset Management Interested Major Shareholder
Nikko Asset Management
Boustead Realty Rental payment by AFFIN Interested Directors
Moneybrokers for office premises Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
and car park payable monthly for a Zahidi bin Haji Zainuddin (R) and Mohd
lease term renewable every three Suffian bin Haji Haron
(3) years and payment for other
related services Interested Major Shareholders
LTAT and Boustead
Boustead Travel Provision of travelling related Interested Directors
services to AFFIN Moneybrokers Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
AXA AFFIN Life Irat Rental payment by AXA AFFIN Life Interested Directors 1,844
Insurance Berhad for office premises, car park and Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
(“AXA AFFIN utilities charges for lease term Zahidi bin Haji Zainuddin (R) and Mohd 1,049
Life”) renewable every three (3) years Suffian bin Haji Haron -
and payment for other related
services Interested Major Shareholders 328
LTAT and Boustead
AXA Asia Pacific Provision of information technology Interested Director
Ltd
and other support services to AXA Jean Paul Dominique Louis Drouffe
AFFIN Life Interested Major Shareholder
AXA Asia Pacific Ltd
AXA Asia Pacific Software development and license Interested Director
Ltd fees by AXA Asia Pacific Ltd to AXA Jean Paul Dominique Louis Drouffe
AFFIN Life
Interested Major Shareholder
AXA Asia Pacific Ltd
Boustead Travel Provision of travelling related Interested Directors
services to AXA AFFIN Life Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Boustead Hotels & Hotel facilities and refreshment Interested Major Shareholders 31
LTAT and Boustead
Resorts provided to AXA AFFIN Life
Interested Directors
Gen. Dato’ Seri DiRaja Tan Sri (Dr.) Mohd
Zahidi bin Haji Zainuddin (R) and Mohd
Suffian bin Haji Haron
Interested Major Shareholders
LTAT and Boustead
Total 31,665
PARTICULAR OF 396
PROPERTIES
LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
as at 31 December 2018 COMMERCIAL LAND FREEHOLD L : LAND AREA OF BUILDING VALUE AS AT
TRX DISTRICT B : BUILT-UP AREA 31/12/2018
NO. TITLE/LOT NO. PLOT C7.9-CT (YEARS)
LAND : 54,266 (RM)
1 GERAN NO. HAKMILIK 75550 -
LOT 1207 SEKSYEN 62 259,831,312
(previously Lot 13151)
GERAN NO. HAKMILIK 76429 NO. 4 & 6 2 UNITS 3 STOREY SHOP OFFICE/ FREEHOLD LAND : 4,659 27 2,928,845 AFFIN BANK BERHAD (25046-T)
LOT 20006 SEKSYEN 62 JALAN TELAWI 3 BRANCH PREMISES BUILT-UP : 11,858
(previously Lot 11641) BANGSAR BARU
BANDAR & DISTRICT OF KUALA LUMPUR 59100 KUALA LUMPUR 3 UNITS 4 STOREY SHOP OFFICE/ LEASEHOLD/ LAND : 4,950 23 893,356
WILAYAH PERSEKUTUAN KUALA LUMPUR BRANCH PREMISES EXP : BUILT-UP : 16,733
NO. 81, 83 & 85
2 LOT 51412 & 51413 JALAN 2/3A 01/01/2086
HS(D) 23844 & 23843 PUSAT PASAR BORONG
P.T. 3479 & 3480 KM 12, JALAN IPOH 2 UNITS 3 STOREY SHOP OFFICE FREEHOLD LAND : 4,306 30 1,719,676
MUKIM OF KUALA LUMPUR 68100 BATU CAVES WITH BASEMENT/BRANCH PREMISES BUILT-UP : 17,224 27 3,613,245
DISTRICT OF W. PERSEKUTUAN KUALA LUMPUR
2 UNITS 3 STOREY SHOP OFFICE/ FREEHOLD LAND : 5,138
3 HS(D) 52849,52850, NO. 159 & 161 BRANCH PREMISES BUILT-UP : 11,250
52988 & 52989 JALAN GENTING KELANG
PT 2, 3, 6620 & 6621 53300 SETAPAK 4 1/2 STOREY BUILDING WITH LEASEHOLD/ LAND : 3,081 33 1,186,635
MUKIM OF BATU KUALA LUMPUR
DISTRICT OF WILAYAH BASEMENT/BRANCH PREMISES EXP : BUILT-UP : 9,243
PERSEKUTUAN NO. 47 & 49
JALAN TUN MOHD FUAD 3 13/01/2037
4 LOT 14127 & 14128 TAMAN TUN DR ISMAIL
GRANTS 7792 & 7793 60000 KUALA LUMPUR
MUKIM OF SETAPAK
DISTRICT OF KUALA LUMPUR NO. 840 & 842, BT 4 ½
JALAN IPOH
5 HS(D) 67774 & 67773 51200 KUALA LUMPUR
LOTS 29427 & 29428
MUKIM OF KUALA LUMPUR
DISTRICT & STATE OF
WILAYAH PERSEKUTUAN
6 LOT 27/28, SEKSYEN 1
NO. HAKMILIK 980/981
MUKIM OF PEKAN BATU
PARTICULAR OF PROPERTIES LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
4 STOREY SHOP OFFICE CORNER L : LAND AREA OF BUILDING VALUE AS AT
as at 31 December 2018 NO. 2, JLN 1/27F UNIT/BRANCH PREMISES LEASEHOLD/ B : BUILT-UP AREA 31/12/2018
KLSC WANGSA MAJU EXP : (YEARS)
NO. TITLE/LOT NO. 53300 KUALA LUMPUR 3 STOREY SHOP OFFICE/BRANCH LAND : 4,480 (RM)
7 HS(D) 96849 (30438 [new]) [C7/5O/86-1, C7/5O/86-2 PREMISES 19/04/2083 BUILT-UP : 14,920 20
C7/5O/86-3, & C7/5O/86-4] 2,140,005
LOT/PT 6536 (28035 [new])
MUKIM OF SETAPAK NO. 4, JLN 1/27F LAND : 1,920
DISTRICT & STATE OF WILAYAH KLSC WANGSA MAJU BUILT-UP : 5,760
PERSEKUTUAN 53300 KUALA LUMPUR
HS(D) 96848 (30437 [new]) [C7/5O/85-1, C7/50/85-2 & 1 UNIT 4 1/2 STOREY SHOP OFFICE/ FREEHOLD LAND : 1,539.9 18 3,162,468
LOT/PT 6537 (28034 [new]) C7/5O/85-3] BRANCH PREMISES BUILT-UP : 7,699.8 35 477,675
MUKIM OF SETAPAK 37 380,895 ANNUAL REPORT 2018
DISTRICT & STATE OF WILAYAH 133, JALAN BUNUS 2 UNITS 3 STOREY SHOP OFFICE/ LEASEHOLD/ LAND : 3,840 209,036
PERSEKUTUAN OFF JALAN MASJID INDIA BRANCH PREMISES EXP : BUILT-UP : 11,520 892,570
8 HS(D) 23766 50100 KUALA LUMPUR
PT 199, SECTION 40 4 STOREY SHOP OFFICE/BRANCH 05/04/2078
MUKIM KUALA LUMPUR NO. 10 & 12 PREMISES
9 HS(M) 2926 & 2925 JLN RADIN TENGAH FREEHOLD LAND : 3,000
P.T. 21346 & 21345 BANDAR BARU SERI PETALING BUILT-UP : 12,768
MUKIM OF PETALING 57000 KUALA LUMPUR
DISTRICT OF W.P. 2 UNITS 3 1/2 STOREY SHOP OFFICE/ FREEHOLD LAND : 3,510 23
10 HS(D) 5217 NO. 1, JLN BERANGAN BRANCH PREMISES BUILT-UP : 11,136
P.T. 90 SECTION 1 42000 PORT KLANG
TOWN OF PORT SWETHENHAM SELANGOR 5 STOREY SHOP OFFICE BRANCH FREEHOLD LAND : 3,261 22
DISTRICT OF KLANG PREMISES BUILT-UP : 5,658.4
11 HS(M) 4961 PT 457 NO. 2 & 3, JLN SAGA
HS(M) 4962 PT 458 TMN SRI SAGA
MUKIM OF KAJANG OFF JLN SG CHUA
DISTRICT OF ULU LANGAT 43000 KAJANG, SELANGOR
12 HS(D) 11547, 11548
P.T. 15727, 15728 NO. 11 & 11A
MUKIM OF AMPANG JLN MAMANDA 7/1
AMPANG POINT
68000 AMPANG, SELANGOR
397
PARTICULAR OF PROPERTIES 398
as at 31 December 2018 LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
3 STOREY SHOP OFFICE + L : LAND AREA OF BUILDING VALUE AS AT
NO. TITLE/LOT NO. NO. 1, JLN TK 1/11A BASEMENT/BRANCH PREMISES LEASEHOLD/ B : BUILT-UP AREA 31/12/2018
13 HS(D) 39216, K1 TMN KINRARA, SECTION 1 BATU 7 ½ EXP : (YEARS)
JLN PUCHONG 2 UNITS 4 STOREY SHOP OFFICE/ LAND : 3,900 (RM)
PT 2068 58200 SELANGOR BRANCH PREMISES 27/8/2091 BUILT-UP : 15,600 24
MUKIM AND DISTRICT OF 1,269,218
PETALING NO. 7 & 9 2 UNITS 4 STOREY SHOP OFFICE/
14 HS(D) 9406, LOT 8226 & PT 4045 JLN SS 15/8A BRANCH PREMISES FREEHOLD LAND : 3,520 25 926,403
HS(D) 9407, LOT 8227 & PT 4046 47500 PETALING JAYA BUILT-UP : 9,944
MUKIM OF DAMANSARA SELANGOR MORTGAGE HUB, ASB HUB AND AFFIN BANK BERHAD (25046-T)
DISTRICT OF PETALING DISASTER RECOVERY CENTRE LEASEHOLD/ LAND : 3,300 21 2,435,900
15 HS(M) 14862 & 14863 NO. 29 & 31 EXP : BUILT-UP : 13,200
PT 21350 & 21351 JALAN TIARA 3 1 UNIT 5 STOREY SHOP OFFICE/
TEMPAT BUKIT RAJA BANDAR BARU KELANG BRANCH PREMISES (BLC, 8/5/2093
MUKIM OF KAPAR 41150 KELANG MORTGAGE & STORAGE)
DISTRICT OF KLANG SELANGOR LEASEHOLD/ LAND : N/A 18 4,753,807
16 HS(M) 6836 1 UNIT 5 STOREY SHOP OFFICE/ EXP :
P.T. 14531 NO. 301, 401 & 501, BRANCH PREMISES (BLC, BUILT-UP
MUKIM OF DAMANSARA BLOCK C, MENARA GLOMAC MORTGAGE & STORAGE) 21/11/2092 NO 301 : 6,916
DISTRICT OF PETALING KELANA BUSINESS CENTRE NO 401 : 6,916
97, JALAN 227/2 NO 501 : 6,916
17 HS(D) 103053 47301 KELANA JAYA
LOT NO. 770, SECTION 11 SELANGOR LEASEHOLD/ LAND : 1,650 18 1,680,672
DISTRICT OF PETALING
TOWN OF SHAH ALAM NO. 11, EXP : BUILT-UP : 8,000
PUSAT DAGANGAN SHAH ALAM
HS(D) 103053 PERSIARAN DAMAI, SEKSYEN 11 12/05/2095
LOT NO. 770, SECTION 11 40100 SHAH ALAM
DISTRICT OF PETALING SELANGOR DARUL EHSAN
TOWN OF SHAH ALAM
NO. 12,
PUSAT DAGANGAN SHAH ALAM
PERSIARAN DAMAI, SEKSYEN 11
40100 SHAH ALAM
SELANGOR DARUL EHSAN
PARTICULAR OF PROPERTIES LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
3 STOREY SHOP HOUSE/BRANCH FREEHOLD L : LAND AREA OF BUILDING VALUE AS AT
as at 31 December 2018 NO. 161, JALAN SS2/24 PREMISES B : BUILT-UP AREA 31/12/2018
47300 PETALING JAYA FREEHOLD (YEARS)
NO. TITLE/LOT NO. SELANGOR 3 STOREY SHOP HOUSE/BRANCH LAND : 2,268 (RM)
18 HS(D) 36868, LOT 25724, PREMISES BUILT-UP : 8,902 38
NO. 36, JALAN PSK 3 793,343
MUKIM OF PETALING PUSAT PERDAGANGAN SERI
KEMBANGAN LAND : 3,563 18 1,225,083
19 HS(D) 194608, PT 1106, 43300 SERI KEMBANGAN BUILT-UP : 10,684
PEKAN SERDANG, SELANGOR
DAERAH PETALING, 2 UNITS 2 STOREY SHOP OFFICE FREEHOLD LAND : 3,230 34 1,338,305
SELANGOR NO. 20 & 22
JLN 21/12, SEA PARK WITH BASEMENT/BRANCH PREMISES BUILT-UP : 9,750
20 HS(D) 16521 & 16496 46730 PETALING JAYA
P.T. 8912/1367 & P.T. 8912/1366 SELANGOR 2 UNITS 3 STOREY SHOP OFFICE/ FREEHOLD LAND : 3,080 26 913,884 ANNUAL REPORT 2018
MUKIM OF KUALA LUMPUR BRANCH PREMISES BUILT-UP : 8,360
DISTRICT OF PETALING NO. 124 & 126
JALAN MAYANG PASIR 2 UNITS 3 STOREY SHOP OFFICE/ FREEHOLD LAND : 2,390 23 479,569
21 PLOTS 65 & 66 TMN SRI TUNAS BRANCH PREMISES BUILT-UP : 6,920
HS(D) 7570 & 7571 11950 BAYAN BARU
LOT 8552 & 8553 PULAU PINANG 4 STOREY SHOP OFFICE/BRANCH LEASEHOLD/ LAND : 3,681 22 1,591,597
MUKIM 12 PREMISES EXP : BUILT-UP : 13,716
DISTRICT OF BARAT DAYA NO. 1317 & 1318
TMN SEPAKAT 21/10/2092
22 GM 2251 & 2252 OFF JLN BUTTERWORTH
LOTS 3991 & 3992 13200 KEPALA BATAS
MUKIM 5 SEBERANG PRAI UTARA
DISTRICT OF SEBERANG PERAI UTARA PULAU PINANG
23 PN 1825 & 1826 NO. 10
HS(D) 5507 & 5508 JLN TODAK 1
MUKIM 1 PUSAT BANDAR SEBERANG JAYA
DISTRICT OF SEBERANG PERAI TENGAH, 13700 PERAI, PENANG
PENANG
399
PARTICULAR OF PROPERTIES 400
as at 31 December 2018
NO. TITLE/LOT NO. LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
AN END UNIT 3 BEDROOM FREEHOLD L : LAND AREA OF BUILDING VALUE AS AT
24 TITLE NO. 35120 SRI SAYANG RESORT APARTMENT APARTMENT B : BUILT-UP AREA 31/12/2018
LOT NO. 86, SECTION 2 UNIT NO. 22-06, 22ND STOREY (YEARS)
TOWN OF BATU FERINGHI BATU FERINGHI 2 UNITS 4 STOREY SHOP OFFICE/ LAND : N/A (RM)
NORTH EAST DISTRICT OF PENANG PULAU PINANG BRANCH PREMISES BUILT-UP : 911 18
150,402
5 STOREY SHOP OFFICE
New Title : AFFIN BANK BERHAD (25046-T)
Lot No. 666, Geran HBM 107/M1/22/124,
Mukim Bandar Batu Peringgi Sek. 2, Daerah Timur Laut,
Negeri Pulau Pinang.
25 HS(D) 807 & 808 NO. 55 & 57, TMN SELAT FREEHOLD LAND : 4,779.2 33 1,406,300
P.T. 2592 & 2593 JLN BAGAN LUAR BUILT-UP : 13,760 1,598,827
DISTRICT OF 12710 BUTTERWORTH
SEBERANG PERAI UTARA PULAU PINANG
26 UNIT NO. P1-01-32, HELD UNDER HAKMILIK, FETTES PARK FREEHOLD LAND : 1,037 18
STRATA NO BERDAFTAR GERAN 61929/M1/1/53, 98-G-32 TO 98-3A-32 BUILT-UP : 1,037
LOT NO. 1594, SEKSYEN 2, BANDAR TANJONG TOKONG BLOCK 32 PRIMA TANJUNG
BUSINESS CENTRE LAND : N/A
UNIT NO. P1-02-32, HELD UNDER HAKMILIK, JALAN TANJUNG TOKONG BUILT-UP : 1,037
STRATA NO BERDAFTAR GERAN 61929/M1/2/121, 10470 PULAU PINANG
LOT NO. 1594, SEKSYEN 2, BANDAR TANJONG TOKONG LAND : N/A
BUILT-UP : 1,886
UNIT NO. P1-03-32, HELD UNDER HAKMILIK,
STRATA NO BERDAFTAR GERAN 61929/M1 LAND : N/A
MENARA B/3/223, LOT NO. 1594, SEKSYEN 2, BUILT-UP : 1,886
BANDAR TANJONG TOKONG
LAND : N/A
UNIT NO. P1-04-32, HELD UNDER HAKMILIK, BUILT-UP : 1,886
STRATA NO BERDAFTAR GERAN 61929/M1
MENARA B/4/257, LOT NO. 1594, SEKSYEN 2,
BANDAR TANJONG TOKONG
UNIT NO. P1-05-32, HELD UNDER HAKMILIK,
STRATA NO BERDAFTAR GERAN 61929/M1
MENARA B/5/259, LOT NO. 1594, SEKSYEN 2,
BANDAR TANJONG TOKONG
PARTICULAR OF PROPERTIES
as at 31 December 2018
NO. TITLE/LOT NO. LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
FREEHOLD L : LAND AREA OF BUILDING VALUE AS AT
27 LOT 175 & 176 NO. 149-A, 149-B & 149-C 2 ADJACENT LOTS 3 STOREY SHOP B : BUILT-UP AREA 31/12/2018
PT 1386 & 1387 NO. 151-A, 151-B & 151-C OFFICE/BRANCH PREMISES (YEARS)
GRANT 6787 PERSIARAN BUNGA RAYA LAND : 3,304 (RM)
MUKIM OF KUAH LANGKAWI MALL BUILT-UP : 9,912 21
DISTRICT OF LANGKAWI 07000 KUAH 1,209,698
LANGKAWI, KEDAH
28 HS(D) 73618 & 73619 2 UNITS 3 STOREY SHOP OFFICE/ FREEHOLD LAND : 3,600 24 648,442
PT 5733 & 5734 NO. 5733 & 5734 BRANCH PREMISES BUILT-UP : 10,800 22 679,691
MUKIM OF LABU JLN TS 2/1 18 122,683
DISTRICT OF SEREMBAN TMN SEMARAK, PHASE II 2 UNITS 3 STOREY SHOP OFFICE/ LEASEHOLD/ LAND : 3,532 ANNUAL REPORT 2018
71800 NILAI, N. SEMBILAN BRANCH PREMISES EXP : BUILT-UP : 9,900
29 LOT S03 & S04
PT 72, HS(D) 7295 NO. 3 & 4, JALAN AMAN 1 UNIT APARTMENT 31/1/2085
DISTRICT OF PORT DICKSON KAWASAN PENAMBAKAN LAUT
BANDAR PORT DICKSON LEASEHOLD/ LAND : N/A
30 HS(D) 9980 71009 NEGERI SEMBILAN EXP : BUILT-UP : 792
PT 4370
MUKIM & DISTRICT PORT DICKSON CORUS LAGOON APARTMENT 06/07/2087
UNIT B-L3-06
New Title: BATU 2, JALAN PANTAI
Lot No. 287, PN 2474/M1/3/48, 71000 PORT DICKSON
Mukim Bandar Port Dickson, Daerah Port Dickson NEGERI SEMBILAN
31 HS(D) 7156, 7157, 7187 & 7188 NO. 7 & 8, JALAN DR1 DELIMA POINT 2 UNITS 5 STOREY SHOP OFFICE/ FREEHOLD LAND : 3,509 22 1,338,645
PT 34, 35, 65 & 66 TAMAN DELIMA RAYA BRANCH PREMISES BUILT-UP : 17,160
BANDAR BUKIT BARU 75150 MELAKA
SEKSYEN 11
DISTRICT OF MELAKA TENGAH NO. 200 & 201, 2 UNITS 3 STOREY SHOP OFFICE/ LEASEHOLD/ LAND : 4,430 38 435,654
TAMAN MELAKA RAYA BRANCH PREMISES EXP : BUILT-UP : 10,031
32 HS(D) 4705 & 4706, OFF JALAN PARAMESWARA
DISTRICT OF MELAKA TENGAH 75000 MELAKA 19/12/2075
401
PARTICULAR OF PROPERTIES 402
as at 31 December 2018 LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
3 STOREY SHOP OFFICE/BRANCH L : LAND AREA OF BUILDING VALUE AS AT
NO. TITLE/LOT NO. NO. 503 PREMISES LEASEHOLD/ B : BUILT-UP AREA 31/12/2018
33 HS(D) 2874 & PTD 4161 JLN MERSING EXP : (YEARS)
86000 KLUANG, JOHOR 2 UNITS 3 STOREY SHOP HOUSE/ LAND : 6,000 (RM)
TOWNSHIP OF KLUANG BRANCH PREMISES 19/12/2075 BUILT-UP : 9,944 25
DISTRICT OF KLUANG NO. 3 & 4 437,225
34 HS(D) 16728, PTD 9887 & JALAN MERAH 2 UNITS 3 STOREY SHOP OFFICE/ FREEHOLD
HS(D) 16729, PTD 9888, TAMAN BUKIT PASIR BRANCH PREMISES LAND : 3,080 28 729,308
MUKIM OF SIMPANG KANAN, 83000 BATU PAHAT, JOHOR BUILT-UP : 16,227
DISTRICT OF BATU PAHAT 2 UNITS 4 STOREY SHOP OFFICE/
35 PTD 48474 & 48475 NO. 130 & 132 BRANCH PREMISES FREEHOLD LAND : 4,773 24 1,422,104 AFFIN BANK BERHAD (25046-T)
HS(D) 86046 & 86047 JLN ROSMERAH 2/17 BUILT-UP : 14,319
MUKIM OF PLENTONG TMN JOHOR JAYA 2 ADJACENT LOTS 3 STOREY SHOP
DISTRICT OF JOHOR BHARU 81100 JOHOR HOUSE/BRANCH PREMISES FREEHOLD LAND : 3,840 25 1,747,261
36 PTD 100479 & 100480 BUILT-UP : 13,440
MUKIM OF PLENTONG NO. 23 & 25, SINGLE STOREY BUNGALOW/
DISTRICT OF JOHOR BAHRU JALAN PERMAS 10/2, PERMAS JAYA, BRANCH PREMISES LEASEHOLD/ LAND : 5,468 21 1,108,213
81750 MASAI, EXP : BUILT-UP : 10,710
37 PTD 62642 & 62643 JOHOR BAHRU, JOHOR 3 STOREY SHOP OFFICE/BRANCH
HS(D) 227069 & 227070 PREMISES 13/4/2094
MUKIM OF PULAI NO. 49 & 51
DISTRICT OF JOHOR BAHRU JALAN SRI PERKASA 2/1 LEASEHOLD/ LAND : 20,056 28 344,054
TAMAN TAMPOI UTAMA EXP : BUILT-UP : 2,100 18 1,300,937
38 HS(M) 6367, PT 7485 81200 TAMPOI
MUKIM OF CHENOR JOHOR BAHRU, JOHOR 21/8/2091
DISTRICT OF MARAN
NADI KOTA LEASEHOLD/ LAND : 4,171
39 LOT 1894 TITLE NO. 1289 & BANDAR PUSAT JENGKA EXP : BUILT-UP : 8,128
LOT 1895 TITLE NO. 1290, 26400 JENGKA
DAERAH & BANDAR KUALA TERENGGANU, PAHANG 18/12/2048
NEGERI TERENGGANU
63 & 63A , JALAN SULTAN ISMAIL
20200 KUALA TERENGGANU
TERENGGANU
PARTICULAR OF PROPERTIES LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
1 UNIT APARTMENT L : LAND AREA OF BUILDING VALUE AS AT
as at 31 December 2018 AWANA KIJAL BEACH RESORT LEASEHOLD/ B : BUILT-UP AREA 31/12/2018
APARTMENT (2 ROOMS) 1 UNIT 3 BEDROOM APARTMENT EXP : (YEARS)
NO. TITLE/LOT NO. 13B, BAIDURI APARTMENT LAND : N/A (RM)
40 (L/H) KM 28, JALAN KEMAMAN-DUNGUN 1 UNIT 2 STOREY SHOP OFFICE/ 27/11/2091 BUILT-UP : 892 18
24100 KIJAL, TERENGGANU BRANCH PREMISES 119,144
HS(D) 1772
PT 2851 AWANA KIJAL BEACH RESORT LEASEHOLD/ LAND : N/A 18 147,347
MUKIM OF KIJAL APARTMENT (3 ROOMS) EXP : BUILT-UP : 1,107
DISTRICT OF KEMAMAN 19A, BAIDURI APARTMENT
41 HS(D) 1772 KM 28, JALAN KEMAMAN-DUNGUN 27/11/2091
PT 2851 24100 KIJAL, TERENGGANU
MUKIM OF KIJAL FREEHOLD LAND : 2,000 18 262,112
DISTRICT OF KEMAMAN LOT PT 1995/1996 BUILT-UP : 4,000
BANDAR BARU BUKIT BUNGA ANNUAL REPORT 2018
42 GM 1764 LOT 2943 & 17700 TANAH MERAH, KELANTAN
GM 1765 LOT 2945
(FORMERLY KNOWN AS GM 405, LOT 1927, NO. 3788 H & 3788 I 2 UNITS 3 STOREY SHOP OFFICE/ LEASEHOLD/ LAND : 3,200 33 750,128
GM 407, LOT 2007 GM 409, LOT 2006) SECTION 13 BRANCH PREMISES EXP : BUILT-UP : 9,152
MUKIM NIBONG JALAN SULTAN IBRAHIM
TANAH MERAH, KELANTAN 15050 KOTA BHARU, KELANTAN 09/03/2064
43 LOT 436 & 437 LOT 247 & 248, SECTION 49, 2 UNITS 4 STOREY SHOP OFFICE/ LEASEHOLD/ LAND : 2,500 32 774,038
GERAN NO. 12256 & 12257 EXP : BUILT-UP : 9,405
SECTION 13 KTLD, JALAN TUNKU ABDUL RAHMAN, BRANCH PREMISES
DISTRICT OF KOTA BHARU 24/07/2044
93100 KUCHING
New Title :
HS(D) KB. 4/98, No. PT 133 &
HS(D) KB. 5/98, No. PT 134,
SECTION 13, DISTRICT OF KOTA BHARU
44 LOT 247 & 248,
SECTION 49,
LEASE OF STATE LAND
403
PARTICULAR OF PROPERTIES 404
as at 31 December 2018 LOCATION/ADDRESS DESCRIPTION/EXISTING USE TENURE AREA (sq ft) APPROX AGE NET BOOK
2 UNITS 3 STOREY SHOP OFFICE/ L : LAND AREA OF BUILDING VALUE AS AT
NO. TITLE/LOT NO. LOT 2387 & 2388 BRANCH PREMISES LEASEHOLD/ B : BUILT-UP AREA 31/12/2018
45 LOT 2387 & 2388 JALAN BOULEVARD 1A EXP : (YEARS)
BOULEVARD COMMERCIAL CENTRE 1 UNIT 3 STOREY SHOP OFFICE LAND : 3,190 (RM)
BLOCK 5 3KM, JALAN MIRI-PUJUT (VACANT PREMISES) 21/1/2050 BUILT-UP : 8,371 22
DISTRICT OF MIRI 98000 MIRI, SARAWAK 712,211
4 STOREY SHOP OFFICE/BRANCH
46 SUB-LOT 13, SUB LOT 13, OFF LOT 3299 PREMISES LEASEHOLD/ LAND : 3,240 21 552,416 AFFIN BANK BERHAD (25046-T)
LOT 3060 BINTULU TOWN DISTRICT EXP : BUILT-UP : 9,720 25 2,121,357
DISTRICT OF BINTULU OFF JALAN DIWARTA 3 UNITS 4 STOREY SHOP OFFICE/
97000 BINTULU, SARAWAK BRANCH PREMISES 29/3/2055
47 TOWN LEASE NO. 017541374 &
NO. 017541383 LOT 19 & 20 2 STOREY SHOPHOUSE/LEASED OUT LEASEHOLD/ LAND : 2,780
LOTS 82 & 83, BLOK K SADONG JAYA COMPLEX PREMISES EXP : BUILT-UP : 10,144
MUKIM OF KARAMUNSING JALAN JUARA IKAN 3
DISTRICT OF KOTA KINABALU KARAMUNSING 21/1/2901
88300 KOTA KINABALU
48 TOWN LEASE : 107516432 SABAH LEASEHOLD/ LAND : 6,720 34 1,408,620
TOWN LEASE : 107516441 EXP : BUILT-UP : 13,440 32 249,000
TOWN LEASE : 107516450 TB 281, 282 & 283 316,619,316
DISTRICT OF TAWAU JLN HJ KARIM 31/12/2895
TOWN EXTENSION 11
49 LOT 400, PN2117 91008 TAWAU, SABAH LEASEHOLD/ LAND : 1,580
KAWASAN BANDAR XXXIX EXP: BUILT-UP : 2,790
DISTRICT OF MELAKA TENGAH NO. 596 JALAN MELAKA RAYA 10
MELAKA TAMAN MELAKA RAYA 4/10/2082
BANDAR HILIR
75000 MELAKA
ANNUAL REPORT 2018 405
NETWORK OF
BRANCHES
WILAYAH PERSEKUTUAN AFFINBANK Seri Petaling Branch AFFINBANK Putrajaya Branch
No. 10-12, Jalan Raden Tengah, Bangunan Jabatan Akauntan Negara,
AFFINBANK Bandar Baru Sri Petaling, Kompleks Kementerian Kewangan,
57000 Kuala Lumpur No.1, Persiaran Perdana, Presint 2,
AFFINBANK Bangsar Branch Tel : 03-9058 5600 62594 WP Putrajaya
No. 4 & 6, Jalan Telawi 3, Fax : 03-9058 8513 Tel : 03-8888 4463
Bangsar Baru, Fax : 03-8889 2082
59100 Kuala Lumpur AFFINBANK Setapak Branch
Tel : 03-2283 5025 No. 159 & 161, Jalan Genting Kelang, AFFINBANK Hire Purchase Hub Jalan Ipoh
Fax : 03-2283 5028 P.O.Box 202, 468-11 & 468-11B,
53300 Setapak, Kuala Lumpur Batu 3, Jalan Ipoh,
AFFINBANK Bangunan Getah Asli Branch Tel : 03-4023 0552 51200 Kuala Lumpur
Tingkat Bawah, Fax : 03-4021 3921 Tel : 03-4044 0897
148, Jalan Ampang, Fax : 03- 4041 8330
50450 Kuala Lumpur AFFINBANK Taman Maluri Branch
Tel : 03-2162 8770 No. 250 & 252, Jalan Mahkota, AFFINBANK Hire Purchase Hub Taman
Fax : 03-2162 8587 Taman Maluri, Maluri
55100 Kuala Lumpur 250 & 252, Jalan Mahkota,
AFFINBANK Batu Cantonment Branch Tel : 03-9282 7250 Taman Maluri,
No. 840 & 842, Fax : 03-9283 4380 55100 Kuala Lumpur
Batu 4 3/4, Jalan Ipoh, Tel : 03-9285 7303
51200 Kuala Lumpur AFFINBANK Taman Midah Branch Fax : 03-9285 6848
Tel : 03-6258 7690 No. 38 & 40, Jalan Midah 1,
Fax : 03-6251 8214 Taman Midah, Cheras, AFFINBANK Mortgage Sales Hub Setapak
56000 Kuala Lumpur 159 & 161, 1st Floor, Jalan Genting Klang,
AFFINBANK Central Branch Tel : 03-9130 0194 P.O Box 202,
Ground & Mezzanine Floor. 80, Fax : 03-9131 7024 53300 Setapak, Kuala Lumpur
Jalan Raja Chulan. P.O. Box. 12744, Tel : 03-4021 0789
50200 Kuala Lumpur AFFINBANK Taman Tun Dr. Ismail Branch Fax : 03-4021 0755
Tel : 03-2055 2222 No. 47 & 49, Jalan Tun Mohd Fuad 3,
Fax : 03-2070 7592 Taman Tun Dr. Ismail, AFFINBANK Mortgage Sales Hub TTDI
60000 Kuala Lumpur 1st Floor, 47 & 48,
AFFINBANK Jalan Bunus Branch Tel : 03-7727 9080 Jalan Tun Mohd Fuad 3,
No. 133, Jalan Bunus, Fax : 03-7727 9543 Taman Tun Dr Ismail,
Off Jalan Masjid India, 60000 Kuala Lumpur
50100 Kuala Lumpur AFFINBANK Wangsa Maju Branch Tel : 03-7722 2348
Tel : 03-2693 4686 No. 2 & 4, Jln 1/27F, Fax : 03-7722 2380
Fax : 03-2691 3207 Kuala Lumpur Sub-Urban Centre,
Wangsa Maju, AFFINBANK ASB & Unsecured Financing
AFFINBANK Jalan Ipoh Branch 53300 Kuala Lumpur Hub Setapak
No. 468-11 & 468-11B, Tel : 03-4143 2814 1st Floor, No. 159 & 161,
Batu 3, Jalan Ipoh, Fax : 03-4143 3095 Jalan Genting Kelang,
51200 Kuala Lumpur 53300 Setapak, Kuala Lumpur
Tel : 03-4042 5554 AFFINBANK Wisma Pertahanan Branch Tel : 03-4021 0789
Fax : 03-4042 4912 G.05, Tingkat Bawah, Wisma Pertahanan, Fax : 03-4021 0755
Kementerian Pertahanan Malaysia,
AFFINBANK LTAT Branch Jalan Padang Tembak, AFFINBANK ASB & Unsecured Financing
Ground Floor, Bangunan LTAT, 50634 Kuala Lumpur Hub TTDI
Jalan Bukit Bintang, Tel : 03-2698 7912 No. 47 & 49, Jalan Tun Mohd Fuad 3,
55100 Kuala Lumpur Fax : 03-2698 6071 Taman Tun Dr. Ismail,
Tel : 03-2142 6311 60000 Kuala Lumpur
Fax : 03-2148 0586 AFFINBANK MyTown Branch Tel : 03-7727 9080
Lot No. B1-063, Basement 1, Fax : 03-7727 9543
AFFINBANK Selayang Branch MyTown Shopping Centre,
No. 81-85, Jalan 2/3A, 55100 Jalan Cochrane, Kuala Lumpur
Pusat Bandar Utara, KM 12, Jalan Ipoh, Tel : 03-9226 6390
68100 Batu Caves, Kuala Lumpur
Tel : 03-6137 2053
Fax : 03-6138 7122
406 AFFIN BANK BERHAD (25046-T)
NETWORK OF BRANCHES
AFFINBANK Wealth Management Hub AFFIN LABUAN OFFSHORE AFFINBANK Cyberjaya Branch
Menara Affin Unit 3 (J), Level 3. Main Office Tower, P1-13, Shaftsbury Square,
Mezzanine Floor, Menara Affin, Financial Park Labuan. Jalan Merdeka, Lot No. 2350, Cyber 6, Persiaran Multimedia,
80, Jalan Raja Chulan, 87000 Federal Territory Labuan 63000 Cyberjaya, Selangor
50200 Kuala Lumpur Tel : 087-411 931 Tel : 03-8318 1944
Tel : 03-2055 9275 Fax : 087-411 973 Fax : 03-8318 1934
Fax : 03-2078 4727
AFFIN ISLAMIC AFFINBANK Denai Alam Branch
AFFINBANK Wealth Management Hub No. 1, Ground Floor, Jalan Elektron U/16/J,
Wangsa Maju AFFINISLAMIC Fraser Branch Seksyen U16, Denai Alam,
1st Floor, No. 2 & 4, Jalan 1/27F No. 20-G & 20-1, Jalan Metro Pudu, 40160 Shah Alam, Selangor
Kuala Lumpur Sub-Urban Centre Fraser Business Park, Tel : 03-7831 8895
53300 Wangsa Maju, Kuala Lumpur 55100 Kuala Lumpur Fax : 03-7831 8859
Tel : 03-4149 9023 Tel : 03-9222 8877
Fax : 03-4149 9021 Fax : 03-9222 9877 AFFINBANK Jalan Meru Branch
No. 38 & 40, Pelangi Avenue,
AFFINBANK Wealth Management Hub AFFINISLAMIC Mortgage Sales Hub Jalan Kelicap 42A/KU1,
Bangsar Setapak Klang Bandar Diraja,
No. 4 & 6, Jalan Telawi 3 15th Floor, Menara Affin, 41050 Klang, Selangor
Bangsar Baru 80, Jalan Raja Chulan, Tel : 03-3341 5237
59100 Kuala Lumpur 50200 Kuala Lumpur Fax : 03-3341 5427
Tel : 03-2283 5025 Tel : 03-2055 9020
Fax : 03-2283 5028 Fax : 03-2070 0773 AFFINBANK Kajang Branch
No. 2&3, Jalan Saga, Taman Sri Saga,
AFFINBANK Wealth Management Hub TTDI SELANGOR Off Jalan Sg. Chua,
1st Floor, No. 47 & 49, 43000 Kajang, Selangor
Jalan Tun Mohd Fuad 3 AFFINBANK Tel : 03-8737 7435
Taman Tun Dr. Ismail, Fax : 03-8737 7433
60000 Kuala Lumpur AFFINBANK Ampang Jaya Branch
Tel : 03-7727 9080 No. 11 & 11A, Jalan Mamanda 7/1, AFFINBANK Kepong Branch
Fax : 03-7727 9543 Ampang Point, No. 6, Jalan 54, Desa Jaya,
68000 Ampang, Selangor 52100 Kepong, Selangor
AFFINBANK Seri Petaling Business Centre Tel : 03-4257 6802 Tel : 03-6276 4942
1st Floor, 10-12, Jalan Radin Tengah, Fax : 03-4257 8636 Fax : 03-6276 6375
Bandar Baru Seri Petaling,
57000 Kuala Lumpur AFFINBANK Ampang New Village Branch AFFINBANK Taman Kinrara Branch
Tel : 03-9058 4626 No. 21G & 23G, Jalan Wawasan 2/2, No. 1, Jalan TK1/11A, Taman Kinrara,
Fax : 03-9057 0220 Bandar Baru Ampang, Section 1, Batu 7 1/2, Jalan Puchong,
68000 Ampang, Selangor 47100 Puchong, Selangor
AFFINBANK Central Business Centre Tel : 03-4296 2311 Tel : 03-8075 5682
Mezzanine Floor, Menara Affin, Fax : 03-4296 2206 Fax : 03-8075 8159
80, Jalan Raja Chulan,
50200 Kuala Lumpur AFFINBANK Ara Damansara Branch AFFINBANK Klang Utara Branch
Tel : 03-2028 6218 Unit B-G-07 & B-G-08, Block B, No. 29 & 31, Jalan Tiara 3,
No. 2, Jalan PJU 1A/7A, Ara Damansara, Bandar Baru Klang,
AFFINBANK Bangsar Business Centre 47301 Petaling Jaya, Selangor 41150 Klang, Selangor
1st Floor, No. 4 & 6. Jalan Telawi 3, Tel : 03-7847 3177 Tel : 03-3342 1582
Bangsar Baru, Fax : 03-7847 2677 Fax : 03-3342 1719
59100 Kuala Lumpur
Tel : 03-2284 8063 AFFINBANK Bandar Bukit Tinggi Branch AFFINBANK Shah Alam Branch
Fax : 03-2284 8269 No. 77 & 79, Jalan Batu Nilam 5, Vista Alam, F-G-38 & 39, Jalan Ikhtisas 14/1,
Bandar Bukit Tinggi, Off Persiaran Damai, Seksyen 14,
AFFINBANK Wangsa Maju Business Centre 41200 Klang, Selangor 40000 Shah Alam, Selangor
1st Floor, No. 2 & 4, Jalan 1/27F, Tel : 03-3323 2822 Tel : 03-5524 7780
Kuala Lumpur Sub-Urban Centre, Fax : 03-3323 2858 Fax : 03-5524 7380
Wangsa Maju, 53300 Kuala Lumpur
Tel : 03-4142 0835
Fax : 03-4142 0711
ANNUAL REPORT 2018 407
NETWORK OF BRANCHES
AFFINBANK Kota Damansara Branch AFFINBANK Seri Kembangan Branch AFFINBANK Hire Purchase Hub PJ State
Nos. B-G-19, 20 & 21 (GF), No. 36, Jalan PSK 3, No. 38 & 40, Jalan Yong Shook Lin,
Dataran Cascades, Jalan PJU 5/1, Pusat Perdagangan Seri Kembangan, 46050 Petaling Jaya, Selangor
Kota Damasara PJU 5, 43300 Seri Kembangan, Selangor Tel : 03-7956 0022
47810 Petaling Jaya, Selangor Tel : 03-8945 6429 Fax : 03-7956 0052
Tel : 03-7610 0890 Fax : 03-8945 6442
Fax : 03-7610 0889 AFFINBANK Mortgage Sales Hub
AFFINBANK Subang Jaya Branch Seri Kembangan
AFFINBANK Kota Kemuning Branch No. 7 & 9, Jalan SS 15/8A, 2nd Floor, No. 36, Jalan PSK 3,
No. 15-1 & 17-1 (GF), 47500 Subang Jaya, Selangor Pusat Perdagangan Seri Kembangan,
No. 8, Jalan Anggerik Vanilla BE 31/BE, Tel : 03-5634 8045 43300 Seri Kembangan, Selangor
Kota Kemuning Seksyen 31, Fax : 03-5634 8040 Tel : 03-8938 1626
40460 Shah Alam, Selangor
Tel : 03-5120 1811 AFFINBANK Taman Demang Branch AFFINBANK Mortgage Sales Hub Glomac
Fax : 03-5120 1588 No. 47, Jalan DD3A/1, 4th Floor, Menara Glomac,
BASCO Business Centre, Kelana Business Centre,
AFFINBANK Kota Warisan Branch Taman Dato’ Demang, 97, Jalan SS7/2,
G-3, Ground Floor, Jalan Warisan 1, 43300 Seri Kembangan, Selangor 47301 Kelana Jaya, Selangor
KIP Sentral Kota Warisan, Tel : 03-8959 2588 Tel : 03-7947 5555
43900 Sepang, Selangor Fax : 03-8958 5288 Fax : 03-7804 0819
Tel : 03-8705 2099
Fax : 03-8705 4899 AFFINBANK The Curve Branch AFFINBANK ASB & Unsecured
Lot K-G32A-D & G32, Financing Hub Seri Kembangan
AFFINBANK PJ State Branch Ground Floor, The Curve Shopping Complex, 2nd Floor,
No. 38 & 40, Jalan Yong Shook Lin, Jalan PJU 7/8, Mutiara Damansara, No. 36, Jalan PSK 3,
46050 Petaling Jaya, Selangor 47800 Petaling Jaya, Selangor Pusat Perdagangan Seri Kembangan,
Tel : 03-7955 0032 Tel : 03-7726 7258 43300 Seri Kembangan, Selangor
Fax : 03-7954 0012 Fax : 03-7727 8912 Tel : 03-8940 1039
Fax : 03-8940 1269
AFFINBANK Port Klang Branch AFFINBANK UiTM Branch
No. 1, Jalan Berangan, Universiti Teknologi MARA, AFFINBANK ASB & Unsecured
42000 Port Klang, Selangor Tingkat 2, Menara Sultan Abdul Aziz Shah, Financing Hub Glomac
Tel : 03-3168 8130 40450 Shah Alam, Selangor 4th Floor, Block C, Menara Glomac,
Fax : 03-3167 6432 Tel : 03-5519 2377 Kelana Business Centre,
Fax : 03-5510 5580 97, Jalan SS7/2,
AFFINBANK Puchong Branch 47301 Kelana Jaya, Selangor
J-03-G, Blok J, AFFINBANK USJ Taipan Branch Tel : 03-7947 5555
Setiawalk, Persiaran Wawasan, No. 8A & 8B, Jalan USJ 10/1J, Fax : 03-7804 0819
Pusat Bandar Puchong, 47610 UEP Subang Jaya, Petaling Jaya,
47160 Puchong, Selangor Selangor AFFINBANK Wealth Management Hub
Tel : 03-5882 2880 Tel : 03-8023 7271 Glomac
Fax : 03-5882 2881 Fax : 03-8023 9161 4th Floor, 401 Block C, Menara Glomac,
Kelana Business Centre,
AFFINBANK Rawang Branch AFFINBANK Hire Purchase Hub Seri 97, Jalan SS7/2,
No. 33G & 35G, Jln 1B, Fortune Avenue, Kembangan 47301 Kelana Jaya, Selangor
48000 Rawang, Selangor No. 36, Jalan PSK 3, Tel : 03-7947 5555
Tel : 03-6091 3311 Pusat Perdagangan Seri Kembangan,
Fax : 03-6091 3344 43300 Seri Kembangan, Selangor AFFINBANK Wealth Management Hub
Tel : 03-8943 6488 Bukit Tinggi
AFFINBANK Sea Park Branch Fax : 03-8943 5306 2nd Floor, No. 77 & 79,
No. 20-22, Jalan 21/12, Sea Park, Jalan Batu Nilam 5,
46300 Petaling Jaya, Selangor AFFINBANK Hire Purchase Hub PJ SS2 Bandar Bukit Tinggi,
Tel : 03-7875 6255 No. 161, Jalan SS 2/24, 41200 Klang, Selangor
Fax : 03-7876 6020 47300 Petaling Jaya, Selangor Tel : 03-3323 2822
Tel : 03-7874 8890 Fax : 03-3323 2858
Fax : 03- 7875 6816
408 AFFIN BANK BERHAD (25046-T)
NETWORK OF BRANCHES
AFFINBANK Bukit Tinggi Business Centre NEGERI SEMBILAN AFFINBANK ASB & Unsecured
2nd Floor, No. 77 & 79, Financing Hub Sendayan
Jalan Batu Nilam 5, Bandar Bukit Tinggi, AFFINBANK No 71-G & 71-1,
41200 Klang, Selangor Darul Ehsan Jalan Metro Sendayan 1/3,
Tel : 03-3318 9700 AFFINBANK Gemas Branch Sendayan Metropark,
Fax : 03-3319 3100 No. 1 & 2, Ground Floor, 71950 Bandar Sri Sendayan,
Laman Niaga Pernama, Negeri Sembilan
AFFINBANK Kajang Business Centre Kem Syed Sirajuddin, Tel : 06-775 8185
2nd Floor, 2 & 3. Jalan Saga, 73400 Gemas, Negeri Sembilan Fax : 06-775 8081
Taman Sri Saga, Off Jalan Sg. Chua, Tel : 07-948 3622
43000 Kajang, Selangor Fax : 07-948 5022 AFFIN ISLAMIC
Tel : 03-8733 1027
Fax : 03-8733 0951 AFFINBANK Nilai Branch AFFINISLAMIC Senawang Branch
No. 5733 & 5734, No 312-G & 312-1, Jalan Bandar Senawang,
AFFINBANK Subang Jaya Business Centre Jalan TS 2/1, Taman Semarak Phase II, 17, Pusat Bandar Senawang,
2nd Floor, 7 & 9. Jalan SS 15/8A, 71800 Nilai, Negeri Sembilan 70450 Seremban, Negeri Sembilan
47500 Subang Jaya, Selangor Tel : 06-799 4114 Tel : 06-675 7288
Tel : 03-5631 0930 Fax : 06-799 5115 Fax : 06-675 7088
Fax : 03-5631 0936
AFFINBANK Port Dickson Branch MELAKA
AFFINBANK Kinrara Business Centre No. 3 & 4, Jalan Mahajaya,
1st Floor, No. 1, Jalan TK 1/11 A, P.D. Centre Point, AFFINBANK
Taman Kinrara, Section 1, 71000 Port Dickson, Negeri Sembilan
Batu 7 ½. Jalan Puchong, Tel : 06-647 3950 AFFINBANK Bukit Baru Branch
47100 Puchong, Selangor Fax : 06-647 4776 No. 7 & 8, Jalan DR1, Delima Point,
Tel : 03-8062 0074 Taman Delima Raya, 75150 Melaka
Fax : 03-8062 0480 AFFINBANK Seremban Branch Tel : 06-232 1386
No 175, Jalan Dato’ Bandar Tunggal, Fax : 06-232 1579
AFFIN ISLAMIC 70000 Seremban, Negeri Sembilan
Tel : 06-762 9651 AFFINBANK Melaka Raya Branch
AFFINISLAMIC Bangi Branch Fax : 06-763 6125 No. 200 & 201, Taman Melaka Raya,
No.175 & 177, Ground Floor, Off Jalan Parameswara,
Jalan 8/1, Seksyen 8, AFFINBANK Bandar Sri Sendayan Branch 75000 Melaka
43650 Bandar Baru Bangi, Selangor No.71-G & 71-1, Jalan Metro Sendayan 1/3, Tel : 06-283 5500
Tel : 03-8927 5881 Sendayan Metropark, Fax : 06-284 6618
Fax : 03-8927 4815 71950 Bandar Sri Sendayan, Negeri Sembilan
Tel : 06-775 8084 AFFINBANK Hire Purchase Hub Melaka
AFFINISLAMIC MSU Branch Fax : 06-775 8081 Raya
Management & Science University, 200 & 201, Taman Melaka Raya,
2nd Floor, University Drive, AFFINBANK Hire Purchase Hub Seremban Off Jalan Parameswara, 75000 Melaka
Persiaran Olahraga, Seksyen 13, No 175, Jalan Dato’ Bandar Tunggal, Tel : 06-283 0200
40100 Shah Alam, Selangor 70000 Seremban, Negeri Sembilan Fax : 06-283 4960
Tel : 03-5510 0425 Tel : 06-761 1400
Fax : 03-5510 0563 Fax : 06-761 2290 AFFINBANK Bukit Baru Business Centre
7 & 8, Jalan DR1, Delima Point,
AFFINISLAMIC PJ SS2 Branch AFFINBANK Mortgage Sales Hub Taman Delima Raya, Bukit Baru,
1st Floor, 161-163, Jalan SS 2/24, Senawang 75150 Melaka
47300 Petaling Jaya, Selangor No. 312-G & 312-1, Jalan Bandar Senawang, Tel : 06-232 4331
Tel : 03-7874 3513 17, Pusat Bandar Senawang, Fax : 06-231 8076
Fax : 03-7874 3480 70450 Seremban
Tel : 06-675 8809 AFFINBANK Wealth Management Hub
AFFINISLAMIC Mortgage Sales Hub Fax : 06-675 8620 Bukit Baru
GLOMAC 1st floor, No. 7&8, Jalan DR1,
4th Floor, Menara Glomac, Delima Point, Taman Delima Raya,
Kelana Business Centre, 75150 Melaka
97, Jalan SS7/2, Tel : 06-253 2150
47301 Kelana Jaya, Selangor Fax : 06-232 1579
Tel : 03-7947 5555
Fax : 03-7804 0819
ANNUAL REPORT 2018 409
NETWORK OF BRANCHES
AFFINBANK Mortgage Sales Hub Melaka AFFINBANK Muar Branch AFFINBANK Hire Purchase Hub Kluang
NO. 7 & 8, Jalan DR1, Delima Point, No. 30A & 30A-1, Jalan Arab, 1st Floor, 503, Jalan Mersing,
Taman Delima Raya, 84000 Muar, Johor 86000 Kluang, Johor
75150 Bukit Baru, Melaka Tel : 06-953 2384 Tel : 07-774 1361
Tel : 06-253 3150 Fax : 06-953 3489 Fax : 07-774 1372
Fax : 06-231 8076
AFFINBANK Mutiara Rini Branch AFFINBANK Hire Purchase Hub Muar
JOHOR No. 28 & 30, Jalan Utama 45, No.30A & 30A-1, Jalan Arab,
Taman Mutiara Rini, 84000 Muar, Johor
AFFINBANK 81300, Skudai, Johor Darul Takzim Tel : 06-951 4217
Tel : 07-557 0900 Fax : 06-953 8460
AFFINBANK Ayer Hitam Branch Fax : 07-557 1244
No 765, Jalan Batu Pahat, AFFINBANK Hire Purchase Hub Mutiara
86100 Ayer Hitam, Johor AFFINBANK Permas Jaya Branch Rini
Tel : 07-758 1100 No. 23 & 25, Jalan Permas 10/2, 1st Floor, No. 28 & 30, Jalan Utama 45,
Fax : 07-758 1001 Bandar Baru Permas Jaya, Taman Mutiara Rini,
81750 Johor Bahru, Johor 81300, Skudai, Johor Darul Takzim
AFFINBANK Batu Pahat Branch Tel : 07-386 3703 Tel : 07-557 7037
No 3 & 4, Jalan Merah, Fax : 07-386 5061 Fax : 07-557 6779
Taman Bukit Pasir,
83000 Batu Pahat, Johor AFFINBANK Segamat Branch AFFINBANK Hire Purchase Hub Segamat
Tel : 07-433 4210 No. 1, Ground Floor, No.1, First Floor, Jalan Nagasari 23,
Fax : 07-433 3246 Jalan Nagasari 23, Bandar Segamat Baru, Bandar Segamat Baru,
85000 Segamat, Johor 85000 Segamat, Johor
AFFINBANK Danga Bay Branch Tel : 07-943 1378 Tel : 07-943 1467
No. 17 & 18, Blok 6, Danga Bay, Fax : 07-943 1373 Fax : 07-943 1308
Jalan Skudai,
80200 Johor Bahru, Johor AFFINBANK Tampoi Branch AFFINBANK Mortgage Sales Hub
Tel : 07-234 3842 No. 49 & 51, Jalan Sri Perkasa 2/1, Danga Bay
Fax : 07-234 8852 Taman Tampoi Utama, 2nd Floor, No. 17 & 18,
81200 Tampoi Johor Bahru, Johor Blok 6, Danga Bay, Jalan Skudai,
AFFINBANK Johor Bahru Branch Tel : 07-241 4946 80200 Johor Bahru, Johor
No. 24 & 25, Jalan Kebun Teh 1, Fax : 07-241 4953 Tel : 07-234 5570
Kebun Teh Commercial City, Fax : 07-234 5915
80250 Johor Bahru, Johor AFFINBANK Hire Purchase Hub Batu Pahat
Tel : 07-221 2403 1st Floor, No. 3 & 4, Jalan Merah, AFFINBANK ASB & Unsecured
Fax : 07-221 2462 Taman Bukit Pasir, Financing Hub Tampoi
83000 Batu Pahat, Johor 1st Floor, No. 49 & 51, Jalan Sri Perkasa 2/1,
AFFINBANK Johor Jaya Branch Tel : 07-432 6286 Taman Tampoi Utama,
No. 130 & 132, Jalan Ros Merah 2/17, Fax : 07-434 5270 81200 Johor Bahru, Johor
Taman Johor Jaya, Tel : 07-241 2724
81100 Johor Bahru, Johor AFFINBANK Hire Purchase Hub Johor Fax : 07-241 3661
Tel : 07-351 8602 Bahru
Fax : 07-351 4122 1st. Floor, No. 24 & 25, AFFINBANK Wealth Management Hub
Jalan Kebun Teh 1, Permas Jaya
AFFINBANK Kluang Branch Kebun Teh Commercial City, 1st Floor, No. 23 & 25, Jalan Permas 10/2,
No. 503, Jalan Mersing, 80250 Johor Bahru, Johor Bandar Baru Permas Jaya,
86000 Kluang, Johor Tel : 07-224 2101 81750 Johor Bahru
Tel : 07-772 4736 Fax : 07-224 7160 Tel : 07-387 1808
Fax : 07-772 4486 Fax : 07-380 8935
AFFINBANK Hire Purchase Hub Taman
AFFINBANK Kulai Branch Johor Jaya Branch AFFINBANK Trade Finance Centre Johor
No. 199 & 200, Jln Kenanga 29/4, No. 130 & 132, 2nd. Floor, 2nd Floor, 23 & 25, Jalan Permas 10/2,
Bandar Indahpura, Jalan Ros Merah 2/17, Bandar Baru Permas Jaya,
81000 Kulai Johor Taman Johor Jaya, 81750 Johor Bahru
Tel : 07-660 8495 81100 Johor Bahru, Johor Tel : 07-386 7597
Fax : 07-660 8363 Tel : 07-356 2457 Fax : 07-387 2749
Fax : 07-353 5188
410 AFFIN BANK BERHAD (25046-T)
NETWORK OF BRANCHES
AFFINBANK Regional Corporate Desk AFFINBANK Ipoh Garden Branch AFFINBANK Hire Purchase Hub Taiping
Johor Jaya No. 27A-27A1, No. 40 & 42, 1st. Floor, Jalan Tupai,
130 & 132, Jalan Rosmerah 2/17, Jalan Sultan Azlan Shah Utara, 3 34000 Taiping, Perak
Taman Johor Jaya, 1400 Ipoh, Perak Tel : 05-808 9020
81100 Johor Bahru, Johor Tel : 05-549 7275 Fax : 05-808 9903
Tel : 07-351 5122 Fax : 05-549 7299
Fax : 07-351 8604 AFFINBANK Hire Purchase Hub Teluk Intan,
AFFINBANK Lumut Branch 11, Medan Sri Intan, Jalan Sekolah,
AFFINBANK Batu Pahat Business Centre Ground Floor, Kompleks Mutiara Armada, 36000 Teluk Intan, Perak
2nd Floor, No. 3 & 4. Jalan Merah, Jalan Nakhoda, Pangkalan TLDM, Tel : 05-621 0130
Taman Bukit Pasir, 32100 Lumut, Perak Fax : 05-621 6786
83000 Batu Pahat, Johor Tel : 05-683 5051
Tel : 07-438 5152 Fax : 05-683 5579 AFFINBANK Mortgage Sales Hub
Fax : 07-432 5158 Ipoh
AFFINBANK Sitiawan Branch No. 9, Ground Floor, Persiaran Greentown 6,
AFFINBANK Danga Bay Business Centre No. 11 & 12, Taman Sitiawan 1, Pusat Perdagangan Greentown,
3rd Floor, No. 17 & 18. Blok 6, Jalan Lumut, 30450 Ipoh, Perak
Danga Bay, Jalan Skudai, 32000 Sitiawan, Perak Tel : 05-246 1226
80200 Johor Bahru Tel : 05-692 8401 Fax : 05-246 1070
Tel : 07-235 2132 Fax : 05-691 7339
Fax : 07-235 2131 AFFINBANK ASB & Unsecured
AFFINBANK Taiping Branch Financing Hub Ipoh Garden
AFFINBANK Johor Jaya Business Centre No. 40 & 42, Jalan Tupai, 3 1st Floor, No. 27A-27A1,
130 & 132, Jalan Rosmerah 2/17, 4000 Taiping, Perak Jalan Sultan Azlan Shah Utara,
Taman Johor Jaya, Tel : 05-806 6816 31400 Ipoh, Perak
81100 Johor Bahru, Johor Fax : 05-808 0432 Tel : 05-546 2316
Tel : 07-351 5122
Fax : 07-351 8604 AFFINBANK Teluk Intan Branch AFFINBANK ASB & Unsecured
No. 11, Medan Sri Intan, Jalan Sekolah, Financing Hub Sitiawan
AFFINBANK Kulai Business Centre 36000 Teluk Intan, Perak No. 10, 11 & 12,
1st Floor, No. 200A, Tel : 05-621 0130 Taman Sitiawan 1,
Jalan Kenanga 29/4, Indahpura, Fax : 05-621 0128 Jalan Lumut,
81000 Kulai, Johor 32000 Sitiawan, Perak
Tel : 07- 660 8717 AFFINBANK Bandar Meru Raya Branch Tel : 05-691 2532
Fax : 07-660 7744 No. 47 & 47A, Jalan Meru Bestari A2, Fax : 05-691 1233
Medan Meru Bestari,
AFFIN ISLAMIC 30020 Ipoh, Perak AFFINBANK Wealth Management Hub Ipoh
Tel : 05-526 3990 No. 9, Ground Floor, Persiaran Greentown 6,
AFFINISLAMIC Taman Molek Branch Fax : 05-526 3950 Greentown Business Centre
No. 23, 23-01, 23-02, 30450 Ipoh, Perak
Jalan Molek 1/29, Taman Molek, AFFINBANK Hire Purchase Hub Ipoh Tel : 05-246 1050
81100 Johor Bahru, Johor No. 1 & 3, 1st Floor, Persiaran Greentown 9, Fax : 05-246 1070
Tel : 07-351 9522 Greentown Business Centre,
Fax : 07-357 9522 30450 Ipoh, Perak AFFINBANK Trade Finance Centre Ipoh
Tel : 05-255 0180 1st Floor, No. 27A-27A1,
PERAK Fax : 05-255 2545 Jalan Sultan Azlan Shah Utara,
31400 Ipoh, Perak Darul Ridzuan
AFFINBANK AFFINBANK Hire Purchase Hub Sitiawan Tel : 05-549 9959
No. 10, 11 & 12, Fax : 05-549 9963
AFFINBANK Ipoh Branch Taman Sitiawan 1,
No. 1 & 3 Ground & First Floors, Persiaran Jalan Lumut, AFFINBANK Ipoh Business Centre
Greentown 9, Greentown Business Centre, 32000 Sitiawan, Perak 1st Floor, No. 27A-27A1,
30450 Ipoh, Perak Tel : 05-692 4937 Jalan Sultan Azlan Shah Utara,
Tel : 05-255 0980 Fax : 05-692 8163 31400 Ipoh, Perak Darul Ridzuan
Fax : 05-255 0976 Tel : 05-549 9959
Fax : 05–549 9963
ANNUAL REPORT 2018 411
NETWORK OF BRANCHES
PULAU PINANG AFFINBANK Hire Purchase Hub Jalan AFFINBANK Trade Finance Centre Penang
Macalister 2nd Floor, No. 10 Jalan Todak Satu,
AFFINBANK 1st Floor, No. 104C, 104D & 104E, Pusar Bandar Seberang Jaya
Jalan Macalister, 13700 Prai, Pulau Pinang
AFFINBANK Bayan Baru Branch 10400 Pulau Pinang Tel : 04-398 8233
No. 124 & 126, Jalan Mayang Pasir, Tel : 04-229 2300 Fax : 04-398 8229
Taman Sri Tunas, Fax : 04-228 8324
11950 Bayan Baru, Pulau Pinang AFFINBANK ASB & Unsecured
Tel : 04-644 4171 AFFINBANK Hire Purchase Hub Prai Financing Hub Wisma Pelaut
Fax : 04-645 2709 1st & 2nd Floor, No.2, Tingkat Kikik 7, No. 1A, Light Street,
Taman Inderawasih, 1st Floor, Wisma Pelaut,
AFFINBANK Butterworth Branch 13600 Prai, Pulau Pinang 10200 Penang
No. 55-57, Jalan Selat, Taman Selat, Tel : 04-397 7677 Tel : 04-251 9648
P.O.Box 165, Off Jalan Bagan Luar, Fax : 04-399 0394 Fax : 04-251 9254
12000 Butterworth, Pulau Pinang
Tel : 04-333 3177 AFFINBANK Mortgage Sales Hub AFFINBANK Regional Corporate Desk
Fax : 04-332 3299 Butterworth Seberang Jaya
2nd Floor, 55-57, Jalan Selat, Taman Selat, 1st Floor, No 10, Jalan Todak 1,
AFFINBANK Fettes Park Branch P.O Box 165, Jalan Bagan Luar, Pusat Bandar Seberang Jaya,
No. 98-G-31 & 32, Jalan Fettes, 12000 Butterworth, Penang 13700 Prai, Pulau Pinang
Prima Tanjung Business Centre, Tel : 04-323 0151 Tel : 04-398 5039
Tanjung Tokong, 11200 Pulau Pinang Fax : 04-323 0109 Fax : 04-399 3480
Tel : 04-899 9069
Fax : 04-899 0767 AFFINBANK Mortgage Sales Hub Wisma AFFINBANK Seberang Jaya
Pelaut Business Centre
AFFINBANK Jalan Macalister Branch 1A (1st Floor), Light Street, 1st Floor, No 10, Jalan Todak 1,
No. 104C, 104D & 104E, Jalan Macalister, Wisma Pelaut, Pusat Bandar Seberang Jaya,
10400 Pulau Pinang 10200 Pulau Pinang 13700 Prai, Pulau Pinang
Tel : 04-229 1495 Tel : 04-263 5588 Tel : 04-398 5039
Fax : 04-226 1530 Fax : 04-251 9254 Fax : 04-399 3480
AFFINBANK Kepala Batas Branch AFFINBANK ASB & Unsecured AFFINBANK Bayan Baru Business Centre
Lot 1317 & 1318, Lorong Malinja, Financing Hub Butterworth No.124 & 126 (First Floor),
Taman Sepakat, Off Jalan Butterworth, No. 55-57, Level 2. Jalan Selat, Jalan Mayang Pasir, Taman Sri Tunas,
13200 Kepala Batas, Seberang Prai Utara, Taman Selat, 11950 Bayan Baru, Pulau Pinang
Pulau Pinang 12000 Butterworth, Pulau Pinang Tel : 04-644 4600
Tel : 04-575 1824 Tel : 04-323 0151 Fax : 04-644 1199
Fax : 04-575 1975 Fax : 04-323 0109
AFFIN ISLAMIC
AFFINBANK Prai Branch AFFINBANK Wealth Management Hub
No. 2, Tingkat Kikik 7, Taman Inderawasih, Butterworth AFFINISLAMIC Juru Auto-City Branch
13600 Prai, Pulau Pinang 1st Floor, No. 55 - 57, Jalan Selat No. 1813A, Jalan Perusahaan, Auto-City,
Tel : 04-399 3900 Taman Selat, Off Jalan Bagan Luar North-South Highway Juru Interchange,
Fax : 04-397 9243 12000 Butterworth, Pulau Pinang 13600 Prai, Pulau Pinang
Tel : 04-333 3177 Tel : 04-507 7522
AFFINBANK Seberang Jaya Branch Fax : 04-332 3299 Fax : 04-507 0522
No. 10, Jalan Todak Satu,
Pusat Bandar Seberang Jaya, AFFINBANK Wealth Management Hub AFFINISLAMIC Juru Auto-City Hire
13700 Prai, Pulau Pinang Wisma Pelaut Purchase
Tel : 04-399 5881 1A, Light Street, Wisma Pelaut No. 1813A, Jalan Perusahaan, Auto-City,
Fax : 04-399 2881 10200 Pulau Pinang North-South Highway Juru Interchange,
Tel : 04-263 6633 13600 Prai, Pulau Pinang
AFFINBANK Wisma Pelaut Branch Fax : 04-261 9801 Tel : 04-507 3235
No. 1A, Light Street, Wisma Pelaut, Fax : 04-507 0522
10200 Pulau Pinang
Tel : 04-263 6633
Fax : 04-261 9801
412 AFFIN BANK BERHAD (25046-T)
NETWORK OF BRANCHES
KEDAH AFFINBANK ASB & Unsecured Financing AFFIN ISLAMIC
Hub Alor Setar
AFFINBANK No. 147 & 148, 2nd Floor, AFFINISLAMIC Jitra Branch
Susuran Sultan Abdul Hamid 8, No. 17, Jalan Tengku Maheran 2,
AFFINBANK Alor Setar Branch Kompleks Sultan Abdul Hamid, Fasa 2, Taman Tengku Maheran Fasa 4,
No. 147 & 148, Susuran Sultan Abdul Hamid 8, Persiaran Sultan Abdul Hamid, 06000 Jitra Kedah
Kompleks Sultan Abdul Hamid, 05050 Alor Setar, Kedah Tel : 04-919 0888
Fasa 2, Persiaran Sultan Abdul Hamid, Tel : 04-772 1477 Fax : 04-919 0380
05050 Alor Setar, Kedah Fax : 04-771 4796
Tel : 04-772 1477 TERENGGANU
Fax : 04-771 4796 AFFINBANK ASB & Unsecured Financing
Hub Sungai Petani AFFINBANK
AFFINBANK Kulim Branch No. 55, 2nd Floor,
No. 13 & 14, Jalan KLC Satu (1), Jalan Perdana Heights 2/2, AFFINBANK Kemaman Branch
Kulim Landmark Central, Perdana Heights, K711-713, Wisma IKY Naga,
09000 Kulim, Kedah 08000 Sungai Petani, Kedah Darul Aman Jalan Sulaimani,
Tel : 04-495 5566 Tel : 04-421 1218 24000 Kemaman, Terengganu
Fax : 04-490 4717 Fax : 04-422 1186 Tel : 09-858 2544
Fax : 09-859 1572
AFFINBANK Langkawi Branch AFFINBANK Wealth Management Hub
No. 149-151, Persiaran Bunga Raya, Alor Setar AFFINBANK Kemaman Supply Base
Langkawi Mall, 2nd Floor, No 147 & 148, Branch
07000 Kuah, Langkawi, Kedah Susuran Sultan Abdul Hamid 8, Ground Floor, Admin Building Block B,
Tel : 04-966 4426 Kompleks Sultan Abdul Hamid Fasa 2, Kemaman Supply Base,
Fax : 04-966 4717 Persiaran Sultan Abdul Hamid, 24007 Kemaman, Terengganu
05050 Alor Setar, Kedah Tel : 09-863 1297
AFFINBANK Sungai Petani Branch Tel : 04-771 2642 Fax : 09-863 1295
No. 55, Jalan Perdana Heights 2/2, Fax : 04-771 5482
Perdana Heights, AFFIN ISLAMIC
08000 Sungai Petani, Kedah AFFINBANK Sungai Petani Business Centre
Tel : 04-421 1808 No. 55, 2nd Floor, AFFINISLAMIC Kuala Terengganu Branch
Fax : 04-422 6675 Jalan Perdana Heights 2/2, No. 63 & 63 A , Jalan Sultan Ismail,
Perdana Heights, 20200 Kuala Terengganu, Terengganu
AFFINBANK Hire Purchase Hub Alor Setar 08000 Sungai Petani, Kedah Darul Aman Tel : 09-622 3725
No. 147 & 148, 1st. Floor, Tel : 04-421 4449 Fax : 09-623 6496
Susuran Sultan Abdul Hamid 8, Fax : 04-422 4642
Kompleks Sultan Abdul Hamid, Fasa 2, AFFINISLAMIC Kuala Terengganu
Persiaran Sultan Abdul Hamid, AFFINBANK Mortgage Sales Hub Sungai Hire Purchase
05050 Alor Setar, Kedah Petani No. 63 & 63A , Jalan Sultan Ismail,
Tel : 04-772 2964 1st Floor, 55, Jalan Perdana Heights 2/2, 20200 Kuala Terengganu, Terengganu
Fax : 04-771 4268 Perdana Heights, Tel : 09-623 5966
08000 Sungai Petani, Kedah Fax : 09-623 2011
AFFINBANK Hire Purchase Hub Sungai Tel : 04-421 9526
Petani Fax : 04-421 6292 AFFINISLAMIC Mortgage Sales Desk
1st Floor, 55, Jalan Perdana Heights 2/2, Kuala Terenggganu
Perdana Heights, AFFINBANK Regional Corporate Desk - No. 63 & 63A , Jalan Sultan Ismail,
08000 Sungai Petani, Alor Setar 20200 Kuala Terengganu, Terengganu
Kedah Darul Aman 3rd Floor, No. 147 & 148, Tel : 09-623 5966
Tel : 04-421 9482 Susuran Sultan Abdul Hamid 8, Fax : 09-623 2011
Fax : 04-421 6292 Kompleks Sultan Abdul Hamid, Fasa 2,
Persiaran Sultan Abdul Hamid,
AFFINBANK Mortgage Sales Hub Alor Setar 05050 Alor Setar, Kedah Darul Aman.
2nd Floor, No. 147 & 148, Tel : 04-773 3855
Susuran Sultan Abdul Hamid 8, Fax : 04-773 3822
Kompleks Sultan Abdul Hamid, Fasa 2,
Persiaran Sultan Abdul Hamid,
05050 Alor Setar, Kedah
Tel : 04-771 4992
Fax : 04-771 5482
ANNUAL REPORT 2018 413
NETWORK OF BRANCHES
KELANTAN AFFINBANK Mentakab Branch AFFINBANK Wealth Management Hub
No. 70, Jalan Temerloh, Kuantan
AFFINBANK 28400 Mentakab, Pahang No. 36A, 1st & 2nd Floor,
Tel : 09-278 4487 Jalan Putra Square 6, Putra Square,
AFFINBANK Jeli Branch Fax : 09-277 6654 25200 Kuantan, Pahang
No. A1 & A2, Block A, Tel : 09-516 3484
Bandar Baru Bukit Bunga, AFFINBANK Temerloh Branch Fax : 09-517 3554
17700 Bukit Bunga, Tanah Merah, Kelantan No. 9, Ground Floor, Jalan Ahmad Shah,
Tel : 09-946 8955 28000, Temerloh, Pahang AFFINBANK Kuantan Business Centre
Fax : 09-946 8954 Tel : 09-296 8811 Level 6K, 6L & 6M, Menara Zenith,
Fax : 09-296 8800 S/B Jalan Putra Square 6, Putra Square,
AFFINBANK Kota Bharu Branch 25200 Kuantan, Pahang
No. 3788H & 3788I, Seksyen 13, AFFINBANK Mortgage Sales Desk Tel : 09-515 0400
Jalan Sultan Ibrahim, Temerloh Fax : 09-515 0399
15050 Kota Bahru, Kelantan No. 9, Ground Floor, Jalan Ahmad Shah,
Tel : 09-744 5688 28000, Temerloh, Pahang PERLIS
Fax : 09-744 2202 Tel : 09-296 8811
Fax : 09-296 8800 AFFINBANK
AFFINBANK Hire Purchase Hub Kota Bharu
1st & 2nd Floor, 3788H & 3788I, AFFINBANK Mortgage Sales Desk AFFINBANK Kangar Branch
Seksyen 13, Jalan Sultan Ibrahim, Kemaman No. 25 & 27, Jalan Satu,
15050 Kota Bahru, Kelantan No. 9, Ground Floor, Jalan Ahmad Shah, Taman Pertiwi Indah,
Tel : 09-7449 644 28000, Temerloh, Pahang Jalan Kangar - Alor Setar,
Fax : 09-744 9613 Tel : 09-296 8811 01000 Kangar, Perlis
Fax : 09-296 8800 Tel : 04-977 7200
AFFINBANK Mortgage Sales Hub Fax : 04-977 6100
Kota Bahru AFFINBANK Hire Purchase Hub Kuantan
3788H & 3788I, Seksyen 13, G2-Ground Floor G2, SABAH
Jalan Sultan Ibrahim, Menara Zenith, Jalan Putra,
15050 Kota Bahru, Kelantan Square 6, Putra Square, AFFINBANK
Tel : 017-2337575 25200 Kuantan, Pahang
Fax : 09-744 2202 Tel : 09-514 8575 AFFINBANK Jalan Gaya Branch
Fax : 09-514 8582 No. 86, Jalan Gaya,
AFFINBANK Kota Bharu Business Centre 88000 Kota Kinabalu, Sabah
2nd Floor, 3788H & 3788I, AFFINBANK Hire Purchase Hub Temerloh Tel : 088-230 213
Seksyen 13, Jalan Sultan Ibrahim, No. 9, 1st Floor, Jalan Ahmad Shah,
15050 Kota Bharu, Kelantan 28000, Temerloh, Pahang AFFINBANK Kota Kinabalu Branch
Tel : 09-744 5688 Tel : 09-296 7788 Lot 19 & 20, Block K, Sadong Jaya Complex,
Fax : 09-744 2202 Fax : 09-296 6677 Jalan Ikan Juara 3, Karamunsing,
88300 Kota Kinabalu, Sabah
PAHANG AFFINBANK Mortgage Sales Hub Kuantan Tel : 088-261 515
No. 36A, 1st and 2nd Floor, Fax : 088-261 414
AFFINBANK Jalan Putra Square 6,
25200 Kuantan, Pahang AFFINBANK Lahad Datu Branch
AFFINBANK Jengka Branch Tel : 09-516 5545 Ground Floor, Lot 1 & 2,
Nadi Kota Fax : 09-517 3354 Bandar Sri Perdana Fasa 5,
26400 Bandar Jengka, Pahang KM 4, Jalan Silam, Bandar Sri Perdana,
Tel : 09-466 2233 AFFINBANK ASB & Unsecured 91100 Lahad Datu, Sabah
Fax : 09-466 2422 Financing Hub Kuantan Tel : 089-865 733
No. 36A - 1st & 2nd Floor, Fax : 089-865 735
AFFINBANK Kuantan Branch Jalan Putra Square 6, Putra Square,
G2-Ground Floor G2, Menara Zenith, 25200 Kuantan, Pahang AFFINBANK Sandakan Branch
Jalan Putra Square 6, Putra Square, Tel : 09-517 1785 Lot No. 163 & 164, Block 18,
25200 Kuantan, Pahang Fax : 09-517 3554 Jalan Prima Square, Batu 4, Jalan Utara,
Tel : 09-514 8584 90000 Sandakan, Sabah
Fax : 09-514 8580 Tel : 089-212 752
Fax : 089-212 644
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