CIMB BERHAD

CIMB Berhad is neither a factory nor a trader. It is a leading Malaysian universal bank and one of the largest financial institutions in Southeast Asia.

Company Introduction:

CIMB Group Holdings Berhad is a prominent ASEAN-focused universal bank, headquartered in Kuala Lumpur, Malaysia. It offers a comprehensive range of financial products and services, catering to individuals, small and medium-sized enterprises (SMEs), large corporations, and institutional clients.

Key Services Include:

Consumer Banking: Deposits, loans, credit cards, wealth management, and insurance.

Commercial Banking: Financial solutions for SMEs, including trade finance, working capital, and business loans.

Wholesale Banking: Corporate finance, investment banking, capital markets, and treasury services for large corporations and institutions.

Islamic Banking: Sharia-compliant financial products and services through CIMB Islamic.

Asset Management: Investment solutions for various asset classes.

CIMB operates across 10 ASEAN nations, as well as in other key global markets, solidifying its position as a major regional financial player. Its extensive network and diverse offerings make it a key contributor to the financial landscape of Malaysia and Southeast Asia.

CIMB Group Holdings Berhad is a leading financial services group in Malaysia and ASEAN. As a banking institution, it does not manufacture physical goods but offers a comprehensive range of financial products and services.

Here are the primary products and services provided by CIMB:

CONSUMER BANKING PRODUCTS

1. Deposit Accounts

- Savings accounts

- Current accounts

- Fixed deposit accounts

- Foreign currency accounts

2. Financing and Loans

- Mortgages and home loans

- Auto financing (car loans)

- Personal loans and personal financing

- ASB (Amanah Saham Bumiputera) financing

3. Cards

- Credit cards (cashback, rewards, travel, and co-branded cards)

- Debit cards

- Prepaid cards

4. Wealth Management

- Unit trust funds

- Structured investments

- Retail bonds and Sukuk

- Share trading and investment accounts

- Private banking services

5. Insurance and Takaful

- Life insurance and family Takaful

- General insurance (motor, travel, home, and medical insurance)

COMMERCIAL AND BUSINESS BANKING PRODUCTS

1. Business Financing

- Working capital loans

- Commercial property financing

- SME (Small and Medium Enterprise) loans

- Equipment and machinery financing

2. Cash Management Solutions

- Business current accounts

- Bulk payment and payroll services

- Collection and receivable solutions

3. Trade Finance

- Letters of credit

- Bank guarantees

- Export and import financing

WHOLESALE AND INVESTMENT BANKING PRODUCTS

1. Investment Banking

- Corporate advisory services

- Mergers and acquisitions (M&A) advisory

- Equity Capital Markets (ECM) including IPOs

2. Debt Capital Markets

- Bond and Sukuk issuance, structuring, and underwriting

3. Corporate Banking

- Large-scale corporate loans

- Syndicated credit facilities

- Project financing

4. Treasury and Markets

- Foreign exchange (FX) transactions and hedging

- Interest rate derivatives

- Money market instruments

ISLAMIC BANKING PRODUCTS (CIMB Islamic)

- Shariah-compliant savings and current accounts

- Islamic term deposits

- Shariah-compliant home, auto, personal, and business financing

- Takaful (Islamic insurance) solutions

DIGITAL BANKING SERVICES

- CIMB Clicks (online and mobile banking platform)

- CIMB OCTO (next-generation mobile banking application)

- BizChannel@CIMB (digital banking portal for corporate and business clients)