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| OVERVIEW | BUSINESS OPERATIONS REVIEW | OUTLOOK FOR 2009 |
| Thriving Even Under Difficult Conditions | Retail Banking And Financing Operations | Outlook For The Banking Industry |
| Overall Business Environment | Wealth Management | Expectations And Opportunities |
Summary Of Group Financial Performance • At A Glance |
Transactional Services Capital Market Operations Islamic Banking International Operations Serving The Customer |
Strategies And Direction Outlook For The Malaysian Economy
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| Key Performance Indicators | Information & Communication Technology |
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| Benchmarking Against Banking Industry’s Performance | Branch Performance – KPIs And Awards | |
Capital Management |
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Credit Ratings |
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Impact Of FRS 139 Financial Instruments: Recognition And Measurement |
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