Our Businesses

Consumer Banking

CIMB Bank Berhad is the commercial banking arm of CIMB Group, offering retail banking services to over 5.3 million customers in Malaysia. It provides a comprehensive range of consumer banking products and services through a country-wide network of 323 branches, and over 2100 self-service terminals and internet channels.

As the second largest commercial bank in Malaysia, CIMB Bank holds significant market share across all consumer banking products. It was named Best Domestic Bank in Malaysia 2009 by Asiamoney.

In Singapore, CIMB Group’s consumer banking business operates on a full banking licence via CIMB Bank Singapore, which offers a full suite of banking products to high net worth individuals, businesses and retail clients.

CIMB Group’s consumer banking business in Indonesia is offered through its 78.26%-owned subsidiary PT Bank CIMB Niaga Tbk. Established in 1955, it merged with PT Bank Lippo Tbk in November 2008 to form the fifth largest bank in Indonesia by assets, with over 641 branches nationwide.


Bank CIMB Niaga offers a comprehensive range of conventional and Shariah-compliant banking products and services. It has an established track record in customer service excellence and management development, and is well regarded as one of the most innovative banks in Indonesia, being the first local bank to introduce ATM services in 1987 and online banking in 1991. It is currently the second largest mortgage provider in Indonesia with a 10.9% market share


In Thailand, CIMB Group controls 93.15% of BankThai as of March 2009 and is its single largest shareholder. Listed on the Stock Exchange of Thailand, BankThai has a solid deposit and lending business and operating base of SME and retail customers. With subsidiary businesses in stockbroking, insurance and asset management, BankThai is the 10th largest commercial bank in Thailand by assets with 147 branches nationwide.


CIMB Group also has commercial banking branches in Hong Kong and London.

Investment Banking

As the leading investment bank in Malaysia and Southeast Asia, CIMB Investment Bank Berhad's prowess in corporate advisory and equity and debt capital markets is well-recognised in the region. This award-winning franchise has a three-decade track record of producing trail-blazing and innovative solutions to create value for its clients.

With offices in Malaysia, Singapore, Indonesia, Hong Kong, Thailand, Brunei, the UK and the US, it is well-placed to serve the investment banking needs of clients in Malaysia and the region. Its private banking arm, CIMB Private Banking, is the country’s first full service private bank and creates customised, client-centric financial solutions for high net worth individuals in Malaysia, Singapore and Indonesia.

Islamic Banking
CIMB offers comprehensive and innovative Shariah-compliant financial products and services through, CIMB Islamic Bank Berhad. Fully equipped with relevant insights into all aspects of Islamic finance, CIMB Islamic caters to the needs of individual, small and medium scale enterprises and large institutional customers in investment banking, consumer banking, asset management, private banking and takaful.

CIMB Islamic has over 100 investment bankers and specialists, and its business coverage spans from Southeast Asia to major financial markets in the world like Hong Kong, London, New York and the Middle East. In Malaysia, its retail banking services are co-located at CIMB Bank’s 323 branches nationwide.

Asset Management

CIMB Group provides fund management expertise and offers customised portfolio mandates and unit trust funds to institutional and retail clients. It also operates a range of wholesale funds invested in real estate, private equity, venture capital, strategic assets and structured investments.

As at December 2009, the Group’s assets under management stood at RM25.2 billion. The Group’s asset management activities are operated from CIMB-Principal Asset Management Berhad, CIMB-Principal Islamic Asset Management Sdn Bhd, CIMB-Mapletree Management Sdn Bhd, CIMB Standard Strategic Asset Advisors Sdn Bhd and CIMB Private Equity and Venture Capital.

Insurance

The Group’s life insurance and takaful products and services are offered through CIMB Aviva Assurance Berhad and CIMB Aviva Takaful Berhad, both 51%-owned subsidiaries of CIMB Group. Aviva, CIMB’s partner in life insurance and takaful, is the world’s fifth largest insurance group.

CIMB Group also has a long-term strategic bancassurance agreement with Allianz Malaysia to offer Allianz’s non-life insurance products and services at CIMB Bank’s 323 branches nationwide. Allianz is a leading global insurer, servicing the needs of 80 million customers in over 70 countries worldwide