CORPORATE INFORMATION

CORPORATE INFORMATION NAME Affin Bank Berhad (25046-T) DATE OF INCORPORATION 23 October 1975 PRINCIPAL ACTIVITIES Affin Bank Berhad is principally involved in the carrying out of banking and finance related services. The Bank has sixteen (16) subsidiary companies and three (3) associate companies which are principally engaged in property management, nominee, trustee and factoring services. BOARD OF DIRECTORS Chairman YBhg. Jen Tan Sri Dato Seri Ismail bin Haji Omar (Bersara) (Non-) Directors YBhg. Tan Sri Dato Seri Lodin bin Wok Kamaruddin (Non-) YM. Dr. Raja Abdul Malek bin Raja Jallaludin () YBhg. Tan Sri Dato Sri Abdul Aziz bin Abdul Rahman () Mr. Aubrey Li Kwok-Sing (Non-) Mr. Gary Cheng Shui Hee (Alternate Director to Mr Aubrey Li Kwok-Sing) En. Mohd Suffian bin Haji Haron () YBhg. Tan Sri Dato Seri Mohamed Jawhar () Managing Director/ Chief Executive Officer YBhg. Dato Zulkiflee Abbas bin Abdul Hamid SECRETARY Nimma Safira binti Khalid REGISTERED OFFICE 17th Floor, Menara AFFIN, 80, Jalan Raja Chulan, 50200 Kuala Lumpur. Tel.: 03-2055 9000 Fax.: 03-2026 1415 AUTHORISED SHARE CAPITAL No of shares 2,000,000,000 Par value RM1.00 Total RM2,000,000,000 ISSUED AND PAID-UP SHARE CAPITAL No of shares 1,518,336,765 Par value RM1.00 Total RM1,518,336,765 SUBSTANTIAL SHAREHOLDER No of shares Affin Holdings Berhad - 1,518,336,765 EXTERNAL AUDITORS PricewaterhouseCoopers (AF 1146) AFFIN BANK BERHAD (25046-T) 12 Annual Report 2012

CORPORATE structure As at 31 December 2012 Lembaga Tabung Angkatan Tentera 35.19% Boustead Holdings Berhad Bank of East Asia Limited OTHERS 60.75% 20.69% 23.52% 20.60% Affin Holdings berhad Affin Bank Berhad Affin Capital Sdn Bhd Affin Islamic Bank Berhad 50% Affin-ADB Sdn Bhd AFFIN-i Nadayu Sdn Bhd 2 (formerly known as AFFIN-i Goodyear Sdn Bhd) (jointly owned by AFFIN Islamic Bank Berhad and Jurus Positif Sdn Bhd with a 50 : 50 ownership) Affin MoneyBrokers Sdn Bhd Affin-ACF Holdings Sdn Bhd Affin-ACF Capital Sdn Bhd Affin Investment Bank Berhad Affin Fund Management Berhad Merchant Nominees (Tempatan) Sdn Bhd 67% Classic Precision Sdn Bhd Affin Nominees (Tempatan) Sdn Bhd Affin Nominees (Asing) Sdn Bhd ABB Nominee (Tempatan) Sdn Bhd PAB Properties Sdn Bhd 20% ABB Trustee Berhad 2 AFFIN Factors Sdn Bhd 1 ABB Nominee (Asing) Sdn Bhd 1 Affin Futures Sdn Bhd 1 ABB IT & Services Sdn Bhd 1 BSNCB Nominees (Tempatan) Sdn Bhd 1 Affin Recoveries Berhad 1 AFFIN-ACF Nominees (Tempatan) Sdn Bhd 1,3 PAB Property Management Services Sdn Bhd 1,3 PAB Property Development Sdn Bhd 1,3 ABB Venture Capital Sdn Bhd 1,3 ABB Asset Management (M) Berhad 1,3 BSNC Nominees (Tempatan) Sdn Bhd 1,3 BSN Merchant Nominees (Asing) Sdn Bhd 1,3 20% UBB Trustee (Malaysia) Berhad 2 51% Axa Affin Life Insurance Berhad 33.6% Axa Affin General Insurance Berhad 1 Dormant 2 Associate 3 Companies where application to strike-off have been filed by the Bank. Annual Report 2012 13 AFFIN BANK BERHAD (25046-T)

BOARD OF DIRECTORS & MD/CEO Left to right : 1. YBhg. Jen. Tan Sri Dato Seri Ismail bin Haji Omar (Bersara) Chairman Non- 2. YBhg. Dato Zulkiflee Abbas bin Abdul Hamid Managing Director/Chief Executive Officer 3. YBhg. Tan Sri Dato Seri Lodin bin Wok Kamaruddin Non- 4. YM. Dr. Raja Abdul Malek bin Raja Jallaludin AFFIN BANK BERHAD (25046-T) 14 Annual Report 2012

BOARD OF DIRECTORS & MD/CEO Left to right : 5. YBhg. Tan Sri Dato Sri Abdul Aziz bin Abdul Rahman 7. En. Mohd Suffian bin Haji Haron 6. Mr. Aubrey Li Kwok-Sing Non- 8. YBhg. Tan Sri Dato Seri Mohamed Jawhar Annual Report 2012 15 AFFIN BANK BERHAD (25046-T)

Profile OF DIRECTORS Ybhg. Jen. Tan Sri Dato Seri Ismail Bin Haji Omar (bersara) YBhg. Tan Sri Dato Seri Lodin bin Wok Kamaruddin Chairman / Non- Non- Jen. Tan Sri Dato Seri Ismail bin Haji Omar (Bersara), aged 71, was appointed as a Director and Chairman of AFFINBANK on 21 May 2002. He was formerly Chief Defence Forces (CDF) Malaysia from 1995 until his retirement in 1998, after 38 years of military service. He graduated from Royal Military Academy, Sandhurst, United Kingdom in 1961 and subsequently attended professional and management development courses at several institutions including The Land Forces Command and Staff College, Canada; the United Nation International Peace Academy, Vienna; the National Defence College, India and INTAN Malaysia. His military service saw Key Command and Staff appointments at all levels of the Armed Forces. As CDF, his responsibilities included key roles in Malaysia s Regional and International Defence Relations. He was the Chairman of Affin Holdings Berhad and Affin-ACF Finance Berhad from 1999 prior to joining AFFINBANK. He currently holds directorships in Affin Islamic Bank Berhad, ABB Trustee Berhad, EP Engineering Sdn Bhd and Global Medical Alliance Sdn Bhd. Jen. Tan Sri Dato Seri Ismail bin Haji Omar (Bersara) attended all 13 Board Meetings held during the financial year ended 31 December 2012. Tan Sri Dato Seri Lodin bin Wok Kamaruddin, aged 63, was reappointed to the Board of Directors of AFFINBANK on 4 October 2010. He was appointed as the Managing Director of Affin Holdings Berhad in February 1991 and redesignated as Deputy Chairman on 1 July 2008. He has extensive experience in managing a provident fund and in the establishment, restructuring and management of various business interest ranging from plantation, trading, financial services, property development, oil and gas, pharmaceuticals to shipbuilding. He is the Chief Executive of LTAT and the Deputy Chairman / Group Managing Director of Boustead Holdings Berhad. Prior to joining LTAT, he was the General Manager of Perbadanan Kemajuan Bukit Fraser for 9 years. He is also the Chairman of Boustead Heavy Industries Corporation Berhad, Boustead Naval Shipyard Sdn Bhd, Boustead Petroleum Marketing Sdn Bhd, Boustead REIT Managers Sdn Bhd, Johan Ceramics Berhad and 1Malaysia Development Berhad and also sits on the Board of UAC Berhad, The University of Nottingham in Malaysia Sdn Bhd, Minority Shareholder Watchdog Group, Atlas Hall Sdn Bhd, Affin Islamic Bank Berhad, Affin Investment Bank Berhad and AXA Affin Life Insurance Berhad. He graduated from the University of Toledo, Ohio, USA with a Bachelor of Business Administration and a Master of Business Administration Degree. Among the many awards Tan Sri Dato Seri Lodin received to-date include the Chevalier De La Legion D Honneur from the French Government, the Malaysian Outstanding Entrepreneurship Award, the Degree of Laws honoris causa from the University of Nottingham, United Kingdom, the UiTM Alumnus of the Year 2010 Award and The BrandLaureate Most Eminent Brand ICON Leadership Award 2012 by Asia Pacific Brands Foundation. Tan Sri Dato Seri Lodin bin Wok Kamaruddin attended all 13 Board Meetings held during the financial year ended 31 December 2012. AFFIN BANK BERHAD (25046-T) 16 Annual Report 2012

profile OF DIRECTORS Ym. Dr. Raja Abdul Malek Bin Raja Jallaludin YBHG. TAN SRI DATO SRI ABDUL AZIZ BIN ABDUL RAHMAN Dr. Raja Abdul Malek bin Raja Jallaludin, aged 67, was appointed to the Board of Directors of AFFINBANK on 29 January 1991. He graduated as a doctor from the University of Malaya in 1972 and, early in his career, worked at the General Hospital, Kuala Lumpur and the Faculty of Medicine, UKM. In late 1975, he went into private medical practice and became a senior partner of Drs. Catterall, Khoo, Raja Malek & Partners until 2003 when he resigned from the firm. Professionally he is widely experienced and has served in various peer and academic activities. Amongst others, he had been a clinical tutor in the Faculty of Medicine, UMMC; been a member of the Ethical Committee of the Malaysian Medical Council, MOH; was the Chairman of Council Academy of Family Physicians, Malaysia. He also has vast experience in the pharmaceutical world and had actively been involved since 1984. He had been the Medical Director (Malaysia-Singapore) for Parke Davis-Warner Lambert from 1984-2000, and had remained briefly so too with Pfizer Malaysia when these two Incorporations merged in 2001. In 2003, Dr. Raja Abdul Malek joined HOE/Pharmaceuticals/HOEPharma Holdings Bhd as the Director of Medical and Scientific Affairs and holds this position to this day. Presently he is the Board member of ABB Trustee Berhad and also a member of the Advisory Panel of StemLife Berhad. Dr. Raja Abdul Malek bin Raja Jallaludin attended 12 out of 13 Board Meetings held during the financial year ended 31 December 2012. Tan Sri Dato Sri Abdul Aziz bin Abdul Rahman, aged 66, was appointed to the Board of Directors of AFFINBANK on 28 January 2003. He graduated with a Bachelor of Commerce from University of New South Wales, Sydney, Australia. He is a member of the Malaysian Institute of Certified Public Accountants (MICPA) and the Malaysian Institute of Accountants (MIA). He has served as Chairman and Board member of several government institutions, agencies and public listed companies, both in Australia and Malaysia. At the corporate level he was with Price Waterhouse & Co. Sydney, Malaysia Airlines and Managing Director of Bank Rakyat Bhd before venturing into politics and public service as the Pahang State Assemblyman, State Executive Councillor and Deputy Chief Minister of Pahang. He was a Senator of Malaysian Parliament for a maximum period of two (2) terms. Presently he is the Board member of Affin Islamic Bank Berhad, the International Islamic University Malaysia and University Malaysia Pahang. Tan Sri Dato Sri Abdul Aziz bin Abdul Rahman attended 12 out of 13 Board Meetings held during the financial year ended 31 December 2012. Annual Report 2012 17 AFFIN BANK BERHAD (25046-T)

profile OF DIRECTORS MR. AUBREY LI KWOK-SING EN. MOHD SUFFIAN BIN HAJI HARON Non- Mr. Aubrey Li Kwok-Sing, aged 62, was appointed to the Board of Directors of AFFINBANK on 17 March 2008. He is a Director of The Bank of East Asia, Limited and Chairman of MCL Partners Limited. He possesses extensive experience in investment banking, merchant banking and capital markets. Presently he is the Board member of Café de Coral Holdings Limited, China Everbright International Limited, Kunlun Energy Limited, Kowloon Development Co. Ltd, Pokfulam Development Company Limited, Tai Ping Carpets International Limited and Dalton Capital (Guernsey) Limited. Mr. Aubrey Li Kwok-Sing attended 7 out of the 13 Board Meetings held during the financial year ended 31 December 2012. En. Mohd Suffian bin Haji Haron, aged 67, was appointed to the Board of Directors of AFFINBANK on 15 August 2009. He graduated with a Bachelor of Economics from University of Malaya (1970) and holds a Master of Business Administration from University of Oregon in the United States (1976). Presently he is the Board member of Affin Islamic Bank Berhad, L.K. & Associates Sdn Bhd and Pharmaniaga Berhad. En. Mohd Suffian bin Haji Haron attended all 13 Board Meetings held in the financial year ended 31 December 2012. Mr. Aubrey Li Kwok-Sing s Alternate Director, Mr. Gary Cheng Shui Hee was appointed on 18 April 2011. He attended 5 out of the 13 Board Meetings held during the financial year ended 31 December 2012. AFFIN BANK BERHAD (25046-T) 18 Annual Report 2012

profile OF DIRECTORS YBHG. TAN SRI DATO SERI MOHAMED JAWHAR Tan Sri Dato Seri Mohamed Jawhar, aged 68, was appointed as a Director of AFFINBANK on 1 November 2011. His other positions include:, Affin Islamic Bank Berhad; Chairman ISIS Malaysia, Non-Executive Chairman, New Straits Times Press (Malaysia) Berhad; Member of Securities Commission Malaysia; Member, Advisory Board, Malaysian Anti-Corruption Commission; Distinguished Fellow, Institute of Diplomacy and Foreign Relations (IDFR); Board Member, Institute of Advanced Islamic Studies (IAIS); Chairman, Malaysian National Committee of the Council for Security Cooperation in the Asia Pacific (CSCAP); and Member, International Advisory Board, East West Center, USA. He is also the Expert and Eminent Person for the ASEAN Regional Forum (ARF). He was also Co-Chair, Network of East Asia Think-tanks (NEAT) 2005-2006; Chairman, Malaysian National Committee, Pacific Economic Cooperation Council (PECC) 2006-2010; and Co-Chair, Council for Security Cooperation in the Asia Pacific (CSCSP) 2007-2009. He served with the government before he joined ISIS Malaysia as Deputy Director-General in 1990. He was appointed Director-General in March 1997 and was subsequently appointed Chairman and CEO in 2006. He was appointed Chairman ISIS Malaysia on 9 January 2010. His positions while in government included Director-General, Department of National Unity; Under-Secretary, Ministry of Home Affairs; Director (Analysis) Research Division, Prime Minister s Department; and Principal Assistant Secretary, National Security Council. He also served as Counselor in the Malaysian Embassies in Indonesia and Thailand. Tan Sri Dato Seri Mohamed Jawhar during his tenure attended 12 out of 13 Board Meetings held during the financial year ended 31 December 2012. Annual Report 2012 19 AFFIN BANK BERHAD (25046-T)

MANAGEMENT TEAM YBhg. Dato Zulkiflee Abbas Bin Abdul Hamid Managing Director / Chief Executive Officer En. Kamarul Ariffin Mohd Jamil Chief Executive Officer, Affin Islamic Bank En. Shariffudin Mohamad Executive Director, Operations En. Amirudin Abdul Halim Director, Business Banking En. Idris Abd. Hamid Director, Consumer Banking Mr. Tan Kok Toon Director, Treasury AFFIN BANK BERHAD (25046-T) 20 Annual Report 2012

MANAGEMENT TEAM Mr. Ee Kok Sin Chief Financial Officer Mr. Kasinathan T.Kasipillai Group Chief Risk Officer Pn. Khatimah Mahadi Group Chief Internal Auditor YBhg. Dato Mohammad Aslam Khan Gulam Hassan Chief Recovery Specialist (Resigned w.e.f. 31.10.2012) Pn. Nor Rozita Nordin Chief Human Resource Officer En. Nazlee Khalifah Chief Corporate Strategist Annual Report 2012 21 AFFIN BANK BERHAD (25046-T)

MANAGEMENT TEAM Profiles YBHG. DATO ZULKIFLEE ABBAS BIN ABDUL HAMID En. KAMARUL ARIFFIN MOHD JAMIL en. SHARIFFUDIN MOHAMAD Managing Director/ Chief Executive Officer Chief Executive Officer, Affin Islamic Bank Executive Director, Operations Dato Zulkiflee Abbas bin Abdul Hamid is currently Managing Director/ Chief Executive Officer of Affin Bank Berhad, a position held since April 2009. Dato Zulkiflee also holds the mandate to drive Affin Banking Group s strategic and development agenda for all entities within the group. Dato Zulkiflee joined AFFINBANK on 1 March 2005 as Director of Enterprise Banking. Subsequently in 2008, Dato Zulkiflee was appointed as Executive Director of Banking, which encompassed both Business and Consumer Banking. Dato Zulkiflee carries with him more than 30 years of banking experience, both locally in Malaysia and internationally in London and New York. Dato Zulkiflee has assumed pivotal roles in banking, which include Regional Manager, Chief Credit Officer, and Global Head of Enterprise Banking, amongst others. En. Kamarul Ariffin Mohd Jamil joined Affin Bank Berhad in 2003 as Head, Corporate Strategy Division. In 2005, Kamarul was appointed as Head, Islamic Banking Division. With the establishment of Affin Islamic Bank, Kamarul was appointed as its Chief Executive Officer. Prior to AFFINBANK, Kamarul held various positions at Pengurusan Danaharta Nasional Berhad, Trenergy Malaysia Berhad and Shell Malaysia Trading Sdn Bhd in various capacities including business development, and strategic planning. Kamarul graduated from the University of Cambridge in 1992 with a Bachelor of Arts in Economics. En. Shariffudin Mohamad joined Affin in 2007 as Director of Operations and was appointed as Executive Director, Operations in 2009. Shariffudin has 25 years local and overseas experience in banking. His hands-on experience covers Branch Operations, Trade Finance, Corporate Banking, Corporate Relationship Management, Credit Operations, Cash Management and Securities Services. His last position was Head, Project Management Services (Technology & Operations) in a leading foreign bank and its local outsourcing subsidiary. Shariffudin graduated from Southern Illinois University, with a Master in Business Administration (1981) and a Bachelor of Science degree in Finance (1980). Dato Zulkiflee holds a Master in Business Administration (1981) and a Bachelor of Science degree in Marketing (1979), both from Southern Illinois University. AFFIN BANK BERHAD (25046-T) 22 Annual Report 2012

MANAGEMENT TEAM Profiles EN. AMIRUDIN ABDUL HALIM En. IDRIS ABD. HAMID mr. TAN KOK TOON Director, Business Banking Director, Consumer Banking Director, Treasury En. Amirudin Abdul Halim joined Affin Bank Berhad as Director, Business Banking in July 2009. Prior to AFFINBANK, Amirudin was at Malayan Banking Group (Maybank) for more than 21 years where he gained extensive banking experience in Branch Operations, Credit Control, Business Banking, Retail Marketing, Consumer Banking and Corporate Services. He has served in several senior strategic roles at Maybank, including Deputy Head of Business Banking Division, Head of Mortgage & Automobile Financing and as the Deputy Chief Executive Officer of Mayban Fortis Berhad (a member of the Maybank Group of Companies). Amirudin graduated with a Bachelor of Arts degree in Finance from St. Louis University in 1986. En. Idris Abd Hamid is currently Director of Consumer Banking, a position he has held since May 2009. Idris began his career with Affin Bank Berhad in 1994 as General Manager of Affin Finance Berhad. He was appointed as Deputy Chief Executive Officer for AFFIN-ACF Finance Berhad from 2000 to 2005. Idris has over 30 years of experience in the banking industry, which includes exposure as Branch Manager, and in Corporate and Consumer Loans management. Idris graduated with a Master in Business Administration from the University of Northern Colorado in 1984. Mr. Tan Kok Toon joined Affin Bank Berhad as its Head of Treasury in October 2004 and is responsible for managing all aspects of Treasury Division. He is currently the Honorary Secretary of Persatuan Pasaran Kewangan Malaysia (Association Cambiste Internationale) and Chair to the Seminar and Education Committee. Prior to AFFINBANK, Tan was with one of the largest banks in Malaysia. Tan has more than 20 years banking experience, particularly in Treasury operations. He has served as Treasury Manager with the New York branch, and was Treasury Business Advisor to turnaround a business project in the Philippines. Tan graduated from University Malaya in 1987 with a Bachelor of Science degree (honours) in Mathematics. Annual Report 2012 23 AFFIN BANK BERHAD (25046-T)

MANAGEMENT TEAM Profiles mr. EE KOK SIN mr. KASINATHAN T.KASIPILLAI Pn. KHATIMAH MAHADI Chief Financial Officer Group Chief Risk Officer Group Chief Internal Auditor Mr. Ee Kok Sin joined Affin Bank Berhad in 2005 as the Chief Financial Officer. Prior to his appointment at AFFINBANK, Ee was the General Manager of Finance & Services at Pengurusan Danaharta Nasional Berhad. Ee began his career in 1982 as a Trainee Accountant with a firm of Chartered Accountants in London. He has extensive experience in auditing, treasury functions, financial accounting, financial management and information technology. Ee is a Fellow Member of the Association of the Chartered Certified Accountants (ACCA) and a member of The Malaysian Institute of Certified Public Accountants (MICPA) and Malaysian Institute of Accountants (MIA). Mr. Kasinathan T. Kasipillai joined Affin Bank Berhad in 2005 as its Chief Risk Officer. Kasinathan has more than 35 years of local and overseas banking experience particularly in the areas of Risk Management. He comes from a foreign bank background working in the risk function serving in a number of countries including London, Singapore, Hong Kong, Mumbai and Jakarta. Kasinathan holds a Masters in Business Administration from the University of Bath, UK and is a Certified Risk Professional awarded by Bank Administration Institute, Chicago, USA. Kasinathan is also an Associate Fellow of Institute of Bankers Malaysia, and continues to serve as an active member of CCP Examination Committee. Pn. Khatimah Mahadi joined Affin Bank Berhad as Chief Internal Auditor in 2004. Khatimah has more than 30 years of experience in Internal Auditing. She has led the Audit and Compliance function in a number of financial institutions which include Bank Simpanan Nasional, Citibank Berhad, Malaysia Credit Finance, UAB/Bank of Commerce. Khatimah graduated with a Diploma in Accountancy from UITM in 1978. AFFIN BANK BERHAD (25046-T) 24 Annual Report 2012

MANAGEMENT TEAM Profiles pn. NOR ROZITA NORDIN en. NAZLEE KHALIFAH Chief Human Resource Officer Chief Corporate Strategist Pn. Nor Rozita Nordin was appointed as Chief Human Resource Officer of Affin Bank Berhad in May 2011. Prior to joining AFFINBANK, Rozita was Executive Vice-President and Head of Group Human Resources at EON Bank Group. Rozita has more than 30 years experience in Human Resource Development and Customer Relations Strategy, in various industries which include banking, oil and gas, manufacturing, retail, and shared services. Rozita has taken on strategic and operational roles, both locally and abroad. Rozita graduated from Southern Illinois University with a Master of Science degree in 1984, a Bachelor of Science in Education and a Bachelor of Arts degree in Linguistics, both in 1982. En. Nazlee Khalifah joined Affin Bank Berhad in February 2009 as Head of Business Strategy and Support, Business Banking Division. Subsequently, in April 2011, Nazlee was appointed as Chief Corporate Strategist. Nazlee has more than 20 years experience in the banking industry. Prior to joining AFFINBANK, Nazlee was with Maybank for 17 years in various capacities, mostly in Strategic Management positions. Nazlee graduated from Simon Fraser University in Vancouver in 1991, with a Bachelor degree in Business Administration, majoring in Accounting and Finance. Annual Report 2012 25 AFFIN BANK BERHAD (25046-T)