Finances market in Malaysia

customer service, customer relationship management, investment bank, offset, alternative investment, asset management, atm, atms, bancassurance, banking platform, banks, books, cars, commercial bank, commercial banks, commercial vehicle, credit card, credit cards, critical illness, customer relationship management, debit cards, e-commerce, e-commerce, electronic payment, financial institutions, financial planning, football, franchise, home shopping, hospitals, ict, interactive tv, investment banking, magazine, magazine, mortgage, mortgages, oil prices, outsourcing, residential property, retail banking, roof, savings, shortening, software, stationery, tourism, trading, wealth management, wholesale,

chairman s review www publicbank com m y 107 2005 annual report overview retail banking and financing operations 120 consumer credit 121 residential property motor vehicle 123 share 124 cards 125 personal loans 126 sme lending 127 customer deposits 129 cash management services 131 capital market 132 treasury 133 corporate 134 investment 135 fund 136 broking 140 islamic 141 serving the 145 service loan delivery 147 channel 148 loyalty programmes 149 information communication technology 151 recognising top performers 154 branch performance awards international 156 158 outlook for 2006 business overall environment 108 summary of group financial 110 impact new reporting standards 117 ratings 119 malaysian industry continued to deliver improved in on back growth economy which although moderated compared 2004 is expected grow at a healthy 5 6 stable interest rates strong liquidity system supported pace