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2008 Annual Report EngBM

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  • KANDUNGANTABLE OF CONTENTS

    2 Notis Mesyuarat Agung Tahunan 3 Perundangan Dan Hubungan Dengan Kerajaan 4 Maklumat Korporat 5 Struktur Korporat Kumpulan 6 Struktur Organisasi

    10 Strategi 11 Anugerah & Pengiktirafan 12 Ringkasan Kewangan Lima Tahun 14 Ringkasan Kewangan 15 Takwim Kewangan

    16 Pembiayaan Mengikut Sektor 17 Pembiayaan Mengikut Konsep 18 Maklumat Pemegang Saham 21 Mengenai Kami 22 Produk & Perkhidmatan 24 Pencapaian 28 Peristiwa Penting Media 2008 30 Peristiwa Korporat 2008 37 Prihatin Pelanggan 38 Piagam Pelanggan 39 Piagam Pembiayaan Mikro

    42 Ahli Lembaga Pengarah 44 ProfilLembagaPengarah 55 ProfilJawatankuasaSyariah 62 ProfilJawatankuasaAuditDalaman 64 LaporanJawatankuasaAuditDalaman 68 AhliJawatankuasaPengurusan 70 ProfilJawatankuasaPengurusan 80 Perutusan Pengerusi 85 Ulasan Operasi Pengarah Urusan 101 Laporan Subsidiari

    105 Etika, Integriti & Amanah106 Penyata Tadbir Urus Korporat 115 TugasDanTanggungjawabJawatankuasa

    Syariah118 Pengurusan Risiko

    126 Inisiatif127 Tanggungjawab Sosial Korporat136 Hala Tuju 2011137 Pelan Strategik 2007-2011138 Modal Insan Tonggak Kekuatan140 Kelab Sukan Bank Rakyat (KEBARA)142 Polisi Keselamatan Dan Kesihatan Pekerja 145 Teknologi Maklumat149 Pencapaian Lebih Tinggi Melalui Kreativiti Dan

    Inovasi

    153 Penyata Kewangan 08255 Maklumat Lain256 Senarai Hartanah 268 Alamat Ibu Pejabat Dan Cawangan 278 Alamat Ar-Rahnu XChange 279 Senarai ATM Luar Premis 280 Alamat Subsidiari280 Alamat Wakil Khidmat Bank Rakyat 281 Alamat Agensi-Agensi Di Bawah MeCD

    2 Notice of Annual General Meeting 3 Statutes And Government Linkages 4 Corporate Information 5 Group Corporate Structure 6 Organisation Structure

    10 Strategy 11 Awards & Recognition 12 Five-Year Financial Summary 14 Financial Highlights 15 Financial Calendar

    16 Financing By Sectors 17 Financing By Concept 18 Shareholders Information 20 About Us 22 Products & Services 24 Milestones 28 2008 Media Highlights 30 2008 Calendar Of Events 37 Customer Care 38 Customer Charter 39 Micro Financing Charter

    42 Board Of Directors 44 Profile Of The Board Of Directors 55 Profile Of The Syariah Committee Members 62 Profile Of The Internal Audit Committee 64 Report Of The Internal Audit Committee 68 The Management Committee 70 Profile Of The Management Committee 80 Chairmans Statement 85 Managing Directors Review Of Operations101 Subsidiaries Report

    105 Ethics, Integrity & Trust106 Statement On Corporate Governance115 Duties And Responsibilities Of Syariah

    Committee118 Risk Management

    126 Initiatives127 Corporate Social Responsibilities136 Way Forward 2011137 Strategic Plan 2007-2011138 Human Capital, The Main Strength140 Bank Rakyat Sports Club (KEBARA)142 Employee Safety And Health Policies145 Information Technology149 Higher Achievement Through Creativity And

    Innovation

    204 Financial Statements 08255 Other Information256 List Of Properties268 Address For Head Office And Branches278 Address For Ar-Rahnu XChange279 Off-Premise ATMs List280 Address For Subsidiaries280 Address For Bank Rakyat Service Agent281 Address For Agencies Under MeCD

  • NOTIS MESYUARAT AGUNG TAHUNANNOTICE OF ANNUAL GENERAL MEETING

    DENGAN INI DIMAKLUMKAN BAHAWA Mesyuarat Agung Tahunan 2009 Bank Kerjasama Rakyat Malaysia Berhad akan diadakan di Dewan Merdeka, Aras 4, Pusat Dagangan Dunia Putra, Kuala Lumpur pada hari Sabtu 4 April 2009 jam 10.00 pagi, sebagaimana butiran berikut:-

    NOTICE IS HEREBY GIVEN that the Annual General Meeting 2009 of Bank Kerjasama Rakyat Malaysia Berhad will be held at the Dewan Merdeka, Level 4, Putra World Trade Centre, Kuala Lumpur on Saturday, 4 April 2009 at 10.00 a.m for the following purposes:-

    AGENDA MESYUARAT/AGENDA of thE MEEtING

    1. Mengesahkan minit Mesyuarat Agung Tahunan yang terdahulu yang telah diadakan pada 5 April 2008;

    To receive the minutes of previous Annual General Meeting held on 5 April 2008;

    2. Menimbang dan meluluskan Penyata Kewangan Diaudit bagi tahun berakhir 31 Disember 2008, berserta Laporan Lembaga Pengarah, Laporan Jawatankuasa Audit Dalaman, Laporan Juruaudit dan Pandangan Suruhanjaya;

    To receive and adopt the Audited Financial Statements for the year ended 31 December 2008 together with the Reports of the Directors, Report of Internal Audit Committee Auditors Report and Opinions of the Commission thereon;

    3. Melantik satu Jawatankuasa yang terdiri daripada enam orang perwakilan dan empat orang anggota Lembaga termasuk Pengerusi untuk menentusahkan draf minit Mesyuarat Agung Tahunan; dan

    To appoint a Committee of six representatives and four members of the Board of Directors, including a Chairman to certify the draft of the minute of the Annual General Meeting; and

    4. Menerima dan membahaskan usul daripada anggota yang diterima oleh Lembaga tidak kurang daripada tujuh hari sebelum tarikh Mesyuarat Agung Tahunan (sekiranya ada).

    To receive and deliberate on proposals from members received by the Board seven days before the date of the Annual General Meeting (if any).

    Dengan Perintah Lembaga Pengarah/By Order Of The Board

    DATO ROSELY SAMSURIPengurus Besar, Perkhidmatan Korporat/Setiausaha Bank/General Manager, Corporate Services/Bank Secretary

    2Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • PERUNDANGAN DAN HUBUNGAN DENGAN KERAJAANSTATUTES AND GOvERNMENT LINKAGES

    Suruhanjaya Koperasi Malaysia

    Malaysian CooperativeCommission

    Kementerian PembangunanUsahawan & Koperasi

    Ministry of Entrepreneur &Cooperative Development

    Bank Negara MalaysiaCentral Bank of Malaysia

    Kementerian KewanganMinistry of finance

    Akta Bank Kerjasama RakyatMalaysia Berhad(Peruntukan Khas 202) 1978Bank Kerjasama Rakyat MalaysiaBerhad Act (Special Provision 202)1978

    Undang-undang Kecil Bank Kerjasama Rakyat Malaysia Berhad Bank Kerjasama Rakyat Malaysia Berhad By Law

    Akta Koperasi 1993Cooperative Act 1993

    Akta InstitusiKewanganPembangunan 2002the Developmentfinancial Institutions Act 2002

    3Laporan Tahunan Bank Rakyat Annual Report 2008

  • MAKLUMAT KORPORATCORPORATE INFORMATION

    Pejabat Berdaftar/Registered OfficeBank Kerjasama Rakyat Malaysia BerhadTingkat 3, Bangunan Bank RakyatJalan TangsiPeti Surat 1102450732 Kuala Lumpur

    Ibu Pejabat/Head OfficeBank Kerjasama Rakyat Malaysia BerhadBangunan Bank RakyatJalan TangsiPeti Surat 1102450732 Kuala LumpurTel: 03-2612 9600Faks/Fax: 03-2612 9655Laman web/Website: www.bankrakyat.com.my

    Juruaudit/AuditorKetua Audit NegaraNo. 15, Aras 4Persiaran Perdana, Presint 2Pusat Pentadbiran Kerajaan Persekutuan62518 PutrajayaTel: 03-8889 9000Faks/Fax: 03-8888 9703

    Nombor Pendaftaran Koperasi/Cooperative Registration Number2192

    Pengerusi/Chairman

    Tan Sri Dato Dr. Syed Jalaludin Syed Salim

    Pengarah Urusan/Managing Director

    Datuk Kamaruzaman Che Mat

    Ahli Lembaga Pengarah/Board of Directors

    Datuk Haji Mohd. Khalil Dato Mohd. Noor

    Datuk Mohd. Hashim Hassan

    Dato Dr. Syed Hussain Syed Husman

    Ahmad Badri Mohd. Zahir

    Dato Mohd. Hashim Abdullah

    Dato Zainuddin Haji Abdul Rahman

    Dato Zuber Haji Shariff

    Setiausaha Bank/Bank Secretary

    Dato Rosely Samsuri

    4Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • STRUKTUR KORPORAT KUMPULANGROUP CORPORATE STRUCTURE

    RAKYAT HOLDINGS SDN BHDPembangunan Hartanah & Pengurusan Projek/Property Development & Project Management

    Urusniaga Saham/Shares OperationsBKR NOMINEES SDN BHD

    100%

    100%

    RAKYAT ASSET MANAGEMENT SDN BHD

    RAKYAT HARTANAH SDN BHD

    RAKYAT MANAGEMENT SERVICES SDN BHD

    RAKYAT FACILITY MANAGEMENT SDN BHD

    RAKYAT TRAVEL SDN BHD

    RAKYAT NIAGA SDN BHD

    Pengurusan Aset/Asset Management

    Pembangunan Hartanah & Pengurusan Projek/Property Development & Project Management

    Francais Ar-Rahnu XChange/Ar-Rahnu XChange Franchise

    Pengurusan Bangunan/Building Management

    Agensi Pelancongan/Travel Agency

    Dagangan & Bekalan/Trading & Supply

    100%

    100%

    100%

    100%

    100%

    100%

    5Laporan Tahunan Bank Rakyat Annual Report 2008

  • STRUKTUR ORGANISASIORGANISATION STRUCTURE

    PENGARAH URUSAN/MANAGING DIRECtoR

    LEMBAGA PENGARAH/ BoARD of DIRECtoR

    PENGURUS BESARPERKHIDMATAN

    KORPORAT/SETIAUSAHA

    BANK/GENERAL

    MANAGERCORPORATE

    SERvICES/BANK SECRETARY

    KETUAPERKHIDMATAN/HEAD SERvICES

    KETUATEKNOLOGIMAKLUMAT/HEAD INFORMATIONTECHNOLOGY

    KETUAPEMBIAYAANKOMERSIL DAN IKS/HEAD COMMERCIALAND SMIFINANCING

    KETUAPENGAWALANPEMBIAYAANKOMERSIL/HEAD COMMERCIALFINANCINGSUPERvISION

    KETUAPRODUK

    KONSUMER/HEAD CONSUMER

    PRODUCTS

    KETUAPENGURUSAN

    SUMBER MANUSIA/HEAD HUMAN

    RESOURCEMANAGEMENT

    KETUAPERKHIDMATAN

    KONSUMER/HEAD CONSUMER

    SERvICES

    PENGURUS BESARYAYASAN BANK RAKYAT/GENERAL MANAGER BANK RAKYAT FOUNDATION

    KETUAKEMAJUAN

    KERJAYA/HEAD CAREERDEvELOPMENT

    PENGURUS BESARSUMBER

    MANUSIA/GENERAL

    MANAGERHUMAN

    RESOURCE

    PENGURUS BESARPERBANKANKOMERSIL/GENERAL

    MANAGERCOMMERCIAL

    BANKING

    PENGURUS BESARPERBANKANKONSUMER/

    GENERALMANAGERCONSUMER

    BANKING

    PENOLONGPENGURUS BESAR

    TEKNOLOGIMAKLUMAT &

    KAEDAH OPERASI/ASSISTANTGENERAL

    MANAGERINFORMATION

    TECHNOLOGY &OPERATION METHOD

    6Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • JAWATANKUASASYARIAH/SYARIAh CoMMIttEE

    JAWATANKUASAAUDITDALAMAN/

    INtERNAL AUDIt CoMMIttEE

    JAWATANKUASAPENGURUSAN RISIKO/

    RISK MANAGEMENt CoMMIttEE

    KETUA HAL EHWALCAWANGAN/HEAD BRANCHAFFAIRS

    KETUA PERBENDAHARAAN DAN

    PELABURAN/HEAD TREASURY AND

    INvESTMENT

    KETUA AKAUN DAN PENGURUSAN MAKLUMAT

    HEAD ACCOUNTS AND INFORMATION

    MANAGEMENT

    KETUA WILAYAHUTARA/HEAD NORTHERNREGION

    KETUA WILAYAHTENGAH/HEAD CENTRALREGION

    KETUA WILAYAHTIMUR/HEAD EASTERNREGION

    KETUA WILAYAHSELANGOR/HEAD SELANGORREGION

    KETUA WILAYAHSABAH/HEAD SABAHREGION

    KETUA WILAYAHSELATAN/HEAD SOUTHERNREGION

    KETUA WILAYAHSARAWAK/HEAD SARAWAKREGION

    PENOLONGPENGURUS

    BESAR OPERASICAWANGAN/

    ASSISTANTGENERAL

    MANAGERBRANCH

    OPERATIONS

    PENOLONGPENGURUS

    BESARKEWANGAN/

    ASSISTANTGENERAL

    MANAGERFINANCE

    KETUA PERANCANGAN

    STRATEGIK/HEAD

    STRATEGIC PLANNING

    KETUA HAL EHWAL AWAM/

    HEAD PUBLIC AFFAIRS

    KETUAJURUAUDIT

    DALAM/CHIEF

    INTERNALAUDITOR

    JABATANPENGURUSAN &PENGAWASAN

    RISIKO/RISK MANAGEMENT

    & SUPERvISIONDEPARTMENT

    7Laporan Tahunan Bank Rakyat Annual Report 2008

  • STRATEGISTRATEGY

    Budaya Berorientasikan PelangganMewujudkan budaya organisasi yang berorientasikan pelanggan dengan tujuan menerapkan dan mempraktikkan nilai-nilai murni dalam menentukan kejayaan Bank Rakyat di masa hadapan.

    CuSTomER-CEnTRiC CulTuRETo be customer-centric with the intention of instilling and realising the good values, in determining future business success.

    PelBagaian & inovasi PerniagaanMempelbagai dan menambah nilai produk dan perkhidmatan serta meneroka peluang perniagaan baru dengan tujuan untuk memenuhi keperluan pelanggan dan meningkatkan daya saing.

    BuSinESS innovATionS & DivERSifiCATionS To provide wide range of solutions to suit customers needs and to increase competitive advantage.

    kecekaPan Pengendalian Meningkatkan tahap kecekapan dengan tujuan untuk meningkatkan kualiti perkhidmatan, meningkatkan daya saing dan memastikan pulangan yang optimum atas pelaburan dalam sumber organisasi.

    opERATionAl EffiCiEnCY To improve service quality and competitiveness and to ensure optimum return on investment in the organisations resources.

    Pelaksanaan Peranan Mandat Menjalankan peranan mandat dengan berkesan dengan tujuan untuk menyelaraskan strategi korporat dengan aspirasi Kerajaan.

    mAnDATED RolES To ensure its corporate direction is aligned with Governments aspiration.

    10Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • ANUGERAH & PENGIKTIRAFANAWARDS & RECoGniTion

    Anugerah Kecemerlangan 2008 oleh National Award for Management Accounting (NAfMA).Excellence Award 2008 by the national Award for management Accounting (nAfmA).

    Anugerah Majikan Prihatin (Syarikat Besar) 2008.Caring Employer Award (large Corporations) 2008.

    Institutions

    Rating

    Outlook

    Date

    Announced

    Bank

    rakyat

    Stable 17 Oct 2008

    Rating Agency Malaysia mengekalkan penarafan jangka panjang dan jangka pendek institusi kewangan pada AA3 dan P1 bagi Bank Rakyat.The Rating Agency Malaysia (RAM) reaffirmed Bank Rakyat long and short term financial institution ratings at AA3 and P1.

    Menduduki tempat ke-12 daripada 150 buah bank di seluruh dunia dalam senarai Asian Banker Research 2008.Ranked 12th out of 150 banks worldwide in the list of Asian Banker Research 2008.

    Bank ke-7 paling kukuh di Malaysia oleh Asian Banker Research.The 7th strongest bank in Malaysia by Asian Banker Research.

    Anugerah Kecemerlangan Pengurusan Kewangan Berdasarkan Indeks Akauntabiliti 2007 oleh Jabatan Audit Negara pada 2008.financial management Excellence Award Based on Accountability index 2007 awarded by national Audit Department in 2008.

    11Laporan Tahunan Bank Rakyat Annual Report 2008

  • RINGKASAN KEWANGAN LIMA TAHUNfivE-YEAR finAnCiAl SummARY

    tahun/Year 2004 2005 2006 2007 2008

    Keuntungan Sebelum Cukai dan Zakat/Profit Before Tax and Zakat(RM Juta/million) 460.04 535.54 626.63 828.83 1,234.33

    Dana Pemegang Saham/Shareholders funds(RM Juta/million) 3,467.42 3,655.86 3,634.01 3,964.09 4,561.39

    Bilangan Pemegang Saham/number of Shareholders 715,915 695,170 750,503 793,482 789,673

    Modal Saham/Share Capital(RM Juta/million) 1,948.15 1,951.87 1,969.83 1,993.16 1,994.96

    Aset/Assets(RM Juta/million) 21,227.40 23,979.60 27,491.93 34,900.15 41,728.35

    Pembiayaan/financing(RM Juta/million) 11,425.11 15,695.61 19,022.26 22,936.31 30,135.93

    2004 2005 2006 2007 2008

    Keuntungan Sebelum Cukai dan Zakat/Profit Before Tax and Zakat

    (RM

    Ju

    ta/M

    illio

    n)

    460.0

    4 535.5

    4 626.6

    382

    8.83

    1,234

    .33

    2004 2005 2006 2007 2008

    Modal Saham/Share Capital

    (RM

    Ju

    ta/M

    illio

    n) 1

    ,948.1

    5

    1,951

    .87

    1,969

    .83

    1,993

    .16

    1,994

    .96

    2004 2005 2006 2007 2008

    Dana Pemegang Saham/Shareholders Funds

    (RM

    Ju

    ta/M

    illio

    n)

    3,467

    .423,6

    55.86

    3,634

    .01 3,964

    .09 4,56

    1.39

    2004

    23,97

    9.60

    27,49

    1.93 3

    4,900

    .15 41,7

    28.35

    21,22

    7.40

    2005 2006 2007 2008

    Aset/Assets

    (RM

    Ju

    ta/M

    illio

    n)

    2004 2005 2006 2007 2008

    Bilangan Pemegang Saham/Number of Shareholders

    715,9

    15

    695,1

    70 750,5

    0379

    3,482

    789,6

    73

    2004

    15,69

    5.61 19

    ,022.2

    622

    ,936.3

    130

    ,135.9

    3

    11,42

    5.11

    2005 2006 2007 2008

    Pembiayaan/Financing

    (RM

    Ju

    ta/M

    illio

    n)

    12Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • tahun/Year 2004 2005 2006 2007 2008

    Deposit & Cagamas/Deposits & Cagamas(RM Juta/million) 17,131.41 19,557.58 22,710.81 29,585.62 35,611.80

    Nisbah Mudah Tunai/liquidity RatioPeratus/percentage (%) 47.47 31.80 29.40 30.86 24.02

    Dividen Dibayar/paid DividendSaham & Bonus/Shares & Bonus (%) 5Tunai/Cash (%) 10 15 15 20 15Tunai Loyalti/loyalty Cash (%) 5

    Nisbah Modal Berwajaran Risiko/Risk Weighted Capital RatioPeratus/percentage (%) 28.37 24.51 21.53 19.19 14.96

    Pulangan Atas Dana Pemegang SahamReturns on Shareholders fundsPeratus/percentage (%) 13.27 14.65 17.24 20.91 27.06

    Pulangan Atas Purata Dana Pemegang Saham/Returns on Average Shareholders fundsPeratus/percentage (%) 15.24 15.04 17.19 21.82 28.96

    2004

    19,55

    7.58 22

    ,710.8

    129

    ,585.6

    235

    ,611.8

    0

    17,13

    1.41

    2005 2006 2007 2008

    Deposit & Cagamas/Deposits & Cagamas

    (RM

    Ju

    ta/M

    illio

    n)

    2004

    24.51

    21.53

    19.19

    14.96

    28.37

    2005 2006 2007 2008

    Nisbah Modal Berwajaran Risiko/Risk Weighted Capital Ratio

    Pera

    tus/

    Perc

    en

    tag

    e (

    %)

    2004

    31.80

    29.40 30

    .86

    24.02

    47.47

    2005 2006 2007 2008

    Nisbah Mudah Tunai/Liquidity Ratio

    Pera

    tus/

    Perc

    en

    tag

    e (

    %)

    2004

    14.65

    17.24

    20.91

    27.06

    13.27

    2005 2006 2007 2008

    Pulangan Atas Dana Pemegang Saham/Returns On Shareholders Funds

    Pera

    tus/

    Perc

    en

    tag

    e (

    %)

    2004

    10

    5

    5

    15 15

    20

    15

    2005 2006 2007 2008

    Dividend Dibayar/Paid Dividend

    Pera

    tus/

    Perc

    en

    tag

    e (

    %)

    2004

    15.04 1

    7.19

    21.82

    28.96

    15.24

    2005 2006 2007 2008

    Pulangan Atas Purata Dana Pemegang Saham/Returns On Average Shareholders Funds

    Pera

    tus/

    Perc

    en

    tag

    e (

    %)

    13Laporan Tahunan Bank Rakyat Annual Report 2008

  • RINGKASAN KEWANGANfinAnCiAl HiGHliGHTS

    tahun Berakhir 31 disember Perubahan/ year ended 31 december Change %

    Perkara 2008 2007 Items rM Juta/Million rM Juta/Million

    1. akaun untung rugi/Profit & Loss Account

    i. Jumlah Pendapatan/Total income 3,196.55 2,567.82 24.49

    ii. Keuntungan Sebelum Cukai & Zakat/ 1,234.33 828.83 48.92 Profit Before Tax & Zakat

    2. kunci kira-kira/Balance Sheet

    i. Jumlah Aset Termasuk Komitmen dan Luar Jangkaan/ 41,930.44 35,129.78 19.36 Total Assets including Commitments and Contingencies

    ii. Sekuriti Perniagaan dan Pelaburan/ 6,571.74 6,825.55 (3.72) Dealing and investment Securities

    iii. Pembiayaan dan Pendahuluan/ 30,135.93 22,936.31 31.39 financing and Advances

    iv. Deposit dan Simpanan/ 35,611.80 29,585.62 20.37 Deposits and Savings

    v. Deposit dan Penempatan dengan Institusi-institusi Kewangan/ 171.97 2,296.02 (92.51) Deposits and placements with financial institutions

    vi. Dana Pemegang Saham/ 4,561.39 3,964.09 15.07 Shareholders funds

    3. nisbah kewangan/Financial Ratio Peratus/ Peratus/ Percentage Percentage

    i. Pulangan Sebelum Cukai dan Zakat Atas Dana Pemegang Saham Purata/ 28.96 21.82 32.41 Returns Before Tax and Zakat on Average of Shareholders funds

    ii. Pulangan Sebelum Cukai dan Zakat Atas Jumlah Aset Purata/ 3.22 2.66 21.26 Returns Before Tax and Zakat on Average of Total Assets

    iii. Pembiayaan dan Pendahuluan Atas Jumlah Deposit/ 84.62 77.53 9.16 financing and Advances on Total Deposit

    iv. Nisbah Modal Berwajaran Risiko/ 14.96 19.19 (22.05) Risk Weighted Capital Ratio

    v. Peruntukan Am/General provision 2.33 2.90 (19.66)

    vi. Peruntukan Rizab Keuntungan (LLR)/ 109.71 107.58 1.97 loan loss Reserve

    vii. Nisbah Pembiayaan Tidak Berbayar/ 1.76 2.37 (25.74) non-performing financial Ratio

    14Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • Pengumuman Prestasi Kewangan dan Pembayaran Dividen Bagi 20 Februari/ Tahun Berakhir 31 Disember 2007 February 2008 Announcement of the financial performance and Dividend Payment for the Year Ended 31 December 2007

    5 april/ Mesyuarat Agung Tahunan 2008 April 2008 Annual General meeting 2008

    21 Julai/ Pengumuman Prestasi Kewangan untuk Suku Kedua Tahun 2008 July 2008 Announcement of the financial performance for the 2nd Quarter of 2008

    13 oktober/ Pengumuman Prestasi Kewangan untuk Suku Ketiga Tahun 2008 October 2008 Announcement of the Financial Performance for the 3rd Quarter of 2008

    TAKWIM KEWANGANfinAnCiAl CAlEnDAR 15

    Laporan Tahunan Bank Rakyat Annual Report 2008

  • PEMBIAyAAN MENGIKUT SEKTORfinAnCinG BY SECToRS

    sektor/Sector Jumlah/Total (rM Juta/Million)

    Kredit Penggunaan/ Consumption Credit 25,206,866Pembelian Hartanah/ purchase of landed property 4,020,699Lain-lain/others 1,704,083Pembuatan/ Construction 465,337Pembelian Sekuriti/purchase of Securities 213,449Pembelian Kenderaan Pengangkutan/ purchase of Transportation vehicles 202,866Pertanian/Agriculture 172,119Perdagangan Am/General Commerce 133,846

    Jumlah/Total 32,119,265

    Kredit Penggunaan/Consumption CreditRM25,206,866 juta/million 78.48%

    Pembelian Hartanah/Purchase of Landed PropertyRM4,020,699 juta/million 12.52%

    Lain-lain/OthersRM1,704,083 juta/million 5.31%

    Pembuatan/ConstructionRM465,337 juta/million 1.45%

    Pembelian Sekuriti/Purchase of SecuritiesRM213,449 juta/million 0.66%

    Pembelian Kenderaan Pengangkutan/Purchase of Transport VehiclesRM202,866 juta/million 0.63%

    Pertanian/AgricultureRM172,1119 juta/million 0.54%

    Perdagangan Am/General CommerceRM133,846 juta/million 0.42%

    0.66%1.45%

    0.42%

    0.63%0.54%

    12.52%

    78.48%

    5.31%

    16Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • PEMBIAyAAN MENGIKUT KONSEPfinAnCinG BY ConCEpT

    konsep/Concept Jumlah/Total (rM Juta/Million)

    Bai Al-Inah 23,290,330

    Bai Bithaman Ajil 6,554,022

    Al-Ijarah 1,390,242

    Ar-Rahnu 734,584

    Al-Qardhul Hasan 102,654

    Al-Tarkhis 36,088

    Tawarruq 11,291

    Musyarakah 54

    Jumlah/Total 32,119,265

    Bai Al-InahRM23,290,330 juta/million 72.51%

    Bai Bithaman AjilRM6,554,022 juta/million20.41%

    Al-IjarahRM1,390,242 juta/million 4.33%

    Ar-RahnuRM734,584 juta/million2.29%

    Al-Qardhul HasanRM102,654 juta/million 0.32%

    Al-TarkhisRM36,088 juta/million 0.11%

    TawarruqRM11,291 juta/million0.04%

    MusyarakahRM54 juta/million0.00%

    0.00%

    0.32%

    0.04%

    72.51%

    2.29%

    20.41%

    4.33%

    0.11%

    17Laporan Tahunan Bank Rakyat Annual Report 2008

  • MAKLUMAT PEMEGANG SAHAMSHAREHolDERS infoRmATion

    RM500 < RM99981.11%

    RM1,000 RM4,99913.72%

    RM5,000 < RM9,9991.60%

    RM10,000 < RM99,9992.95%

    RM100,000 < RM249,9990.58%

    RM250,000 < RM499,9990.02%

    > RM500,0000.02%

    0.02%

    0.02%

    81.11%

    0.58%

    2.95%

    1.60%

    13.72%

    Profil Pemegang Saham/Shareholders Profile

    Jumlah keseluruhan/ Julat syer/ individu/Individual koperasi/Cooperative Grand Total Share Range Bil/ Jumlah/ Bil/ Jumlah/ Bil/ Jumlah/ No. Total No. Total No. Total (rM000) (rM000) (rM000)

    500 < 999 640,470 351,425 0 0 640,470 351,425 1,000 < 4,999 107,859 188,086 495 991 108,354 189,077 5,000 < 9,999 12,383 77,340 266 1,869 12,649 79,209 10,000 < 99,999 22,788 634,105 507 14,459 23,295 648.565 100,000 < 249,999 4,484 483,953 106 12,679 4,590 496,633 250,000 < 499,999 167 55,846 15 4,996 182 60,843 > 500,000 123 124,520 10 44,684 133 169,205

    Jumlah/Total 788,274 1,915,278 1,399 79,681 789,673 1,994,960

    18Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • tahun/ Bil. individu/ Bil. koperasi/ Bil. Jumlah/

    Year Individual No. Cooperative No. Total No.

    2004 714,743 1,172 715,915

    2005 693,963 1,207 695,170

    2006 749,098 1,405 750,503

    2007 792,079 1,401 793,480

    2008 788,274 1,399 789,673

    Bilangan anggota individu dan koperasi (2004 2008)/Number of Individual and Cooperative Shareholders (2004 2008)

    2004 2005 2006 2007 2008

    714,7

    43

    693,9

    63 749

    ,098 79

    2,079

    788,2

    74

    Bilangan Anggota Individu (2004-2008)/Number of Individual Shareholders (2004-2008)

    2004 2005 2006 2007 2008

    1,172 1,2

    07

    1,405

    1,401

    1,399

    Bilangan Anggota Koperasi (2004-2008)/Number of Cooperative Shareholders (2004-2008)

    19Laporan Tahunan Bank Rakyat Annual Report 2008

  • MAKLUMAT PEMEGANG SAHAMSHAREHolDERS infoRmATion

    individu/ koperasi/ Jumlah/

    tahun/ Individual Cooperative Total

    Year (rM000) (rM000) (rM000)

    2004 1,869,045 78,934 1,947,979

    2005 1,872,056 79,811 1,951,867

    2006 1,889,532 80,295 1,969,827

    2007 1,913,390 79,769 1,993,159

    2008 1,915,279 79,681 1,994,960

    Modal saham anggota individu dan koperasi (2004 2008)/Individual and Cooperative Share Capital (2004 2008)

    2004

    (RM

    000

    )

    2005 2006 2007 2008

    1,869

    ,045

    1,872

    ,056

    1,889

    ,532

    1,913

    ,390

    1,915

    ,279

    Modal Saham Anggota Individu (2004-2008)/Individual Share Capital (2004-2008)

    2004

    (RM

    000

    )

    2005 2006 2007 2008

    78,93

    479

    ,811

    80,29

    5

    79,76

    9

    79,68

    1

    Modal Saham Anggota Koperasi (2004-2008)/Cooperative Share Capital (2004-2008)

    20Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • MENGENAI KAMIABouT uS

    Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat) yang ditubuhkan pada tahun 1954 kini muncul sebagai sebuah bank koperasi Islam yang terbesar di Malaysia dan memiliki aset berjumlah RM41.7 bilion pada akhir tahun 2008. Selepas menjalani proses transformasi utama yang mengubahnya daripada sebuah bank konvensional menjadi sebuah bank yang mematuhi hukum Syariah sepenuhnya pada tahun 2003, Bank Rakyat berturut-turut mencatatkan kenaikan keuntungan sebelum cukai dan zakat sejak tahun peralihan tersebut. Angka keuntungan tertinggi yang pernah dicapai setakat ini adalah sebanyak RM1.234 bilion menjelang akhir tahun 2008.

    Walaupun berstatus bank koperasi, namun Bank Rakyat ketara berjaya mendapat sokongan pelanggan bukan anggota. Profil pelanggan Bank menunjukkan bagi komposisi Pembiayaan - 50% anggota dan 50% bukan anggota, Simpanan - 40% anggota dan 60% bukan anggota dan Pelaburan - 16% anggota dan 84% bukan anggota.

    Pada tahun 2008, Rating Agency Malaysia (RAM) telah mengekalkan lagi penarafan institusi kewangan jangka panjang dan jangka pendek Bank Rakyat, masing-masing pada kadar AA3 dan P1. Bank juga muncul sebagai institusi kewangan koperasi pertama serta institusi kewangan pertama di bawah Akta Institusi Kewangan Pembangunan (DFIA 2002) yang mendapat penarafan RAM paling tinggi. Bank turut menerima Anugerah Kecemerlangan 2008 yang disampaikan oleh National Award for Management Accounting (NAfMA), Anugerah Majikan Prihatin sempena sambutan Hari Pekerja, menduduki tangga kedua belas daripada 150 buah bank Islam

    di seluruh dunia oleh Asia Banker Research dan menduduki tempat ketujuh sebagai bank paling kukuh di negara ini, juga oleh Asia Banker Research.

    Bank Rakyat gigih mengembangkan secara berterusan produk yang ditawarkan untuk membolehkan pelanggan menikmati kepelbagaian yang lebih luas. Di samping menyediakan perkhidmatan menerusi rangkaian 119 cawangan, pelanggan Bank juga mendapat perkhidmatan yang cekap menerusi 86 Mesin Juruwang Automatik Luar Premis, 12 saluran Ar-Rahnu XChange dan 42 Pusat Perbankan Elektronik yang terletak di seluruh negara. Pengenalan produk yang berkualiti, berpelbagai dan berdaya inovatif yang memenuhi keperluan ramai pelanggan, peningkatan bilangan dan tahap kecekapan saluran penyampaian serta penampilan imej korporat yang mesra berjaya meletakkan Bank Rakyat di kedudukan yang sesuai untuk menjadi sebuah Bank Pilihan.

    Established in 1954, Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat) is currently the largest Islamic cooperative bank in Malaysia with total assets amounting to RM41.7 billion as at the end of 2008. After undergoing a major transformation process from a conventional banking system to a fully Syariah compliant system in 2003, Bank Rakyat had consecutively recorded rising profits before tax and zakat since then, the highest being RM1.234 billion at the end of 2008.

    notwithstanding its Cooperative status, Bank Rakyat had effectively secured support from non-member

    customers. The Bank customers profile indicates the composition for Financing - 50% members and 50% non-members, Savings - 40% members and 60% non-members and Investment - 16% members and 84% non-members.

    Rating Agency malaysia (RAm) had in 2008 reaffirmed Bank Rakyats long and short term financial institution ratings at AA3 and P1 respectively. The Bank emerged as the first cooperative financial institution as well as the first financial institution under the Development financial institutions Act (DfiA 2002) to receive the highest RAM rating. The Bank also received the Excellence Award 2008 awarded by national Award for management Accounting (nAfmA), the Caring Employer Award in conjunction with the Workers Day celebration 2008, ranked twelve out of 150 Islamic banks worldwide by Asian Banker Research and ranked as seventh strongest bank in Malaysia, also by Asian Banker Research.

    Bank Rakyat is continuously expanding its product range to provide greater diversity to its customers. Besides the network of 119 branches, our customers are well served through 86 off premise Automated Teller Machines, 12 Ar-Rahnu XChange outlets, and 42 Electronic Banking Centres located nationwide. Successful introduction of quality, diversified and innovative products meeting the needs of a wide spectrum of customers, enhanced and efficient delivery channels as well as friendly corporate image disposition have placed Bank Rakyat on the right footing to become the Bank of Choice.

    21Laporan Tahunan Bank Rakyat Annual Report 2008

  • PRODUK & PERKHIDMATANpRoDuCTS & SERviCES

    simpananAkaun Simpanan-i TawfirAkaun Simpanan-i SyababAkaun Simpanan-i Nuri

    PelaburanAkaun Pelaburan Am-i Qiradh Sijil Pembiayaan Bank Rakyat (SPBR)

    Pembiayaan konsumerPembiayaan Peribadi-i AslahPembiayaan Perumahan-i ManziliPembiayaan Pendidikan-i FalahPembiayaan Kenderaan-i AnNaqluPembiayaan Aset Tetap-i Al-MalPembiayaan Saham-i Pajak Gadai-i Ar-Rahnu/Az-Zahab/GENiUSPemajakan-i IjarahPembiayaan Perumahan-i Manzili (SJKP)Pembiayaan Bercagar-i (Sijil Pelaburan

    PNB)Kad Kredit-iPembiayaan Tanah-i Ardhi

    Pembiayaan komersilPembiayaan Kontrak-iPembiayaan Saham-iPembiayaan Penyambung-iSewa BeliPembiayaan Hartanah-i

    Pembiayaan untuk usahawan iks dan koperasi

    Kemudahan Tunai-i Tarkhis (SELAWAT) Usaha Sama-i Syarik (Rakan Koop) Skim Pembiayaan Ekonomi Desa-i (SPED) Skim Pembiayaan Mikro-i (MUsK)Pembiayaan Perniagaan-i Skim Belia

    Niaga Skim Pembiayaan Francais-i Rakyat Skim Credit Guarantee Corporation

    (CGC) Pembiayaan Kontrak-i Tijari Pembiayaan Berjangka-i Pembiayaan Penyambung-i Sewa Beli Pembiayaan Hartanah-i Skim SME Assistance Guarantee

    (SAGS)

    Perkhidmatan Perbankan Internet i-RakyatPusat Panggilan tele-RakyatPusat Perbankan Elektronik

    e-RakyatATM Luar PremisInterbank Giro (IBG)Bankcard/MEPSPindahan Dana Antara Bank (IBFT)Sistem AutopaySkim Pencen Ejen Bayaran Pencen Pesara Tentera

    (JHEV)Bayaran Bil SetempatEjen Kutipan Bayaran Wakil Kutipan Zakat Perkhidmatan Penulisan WasiatAr-Rahnu XChangeSkim Perkhidmatan Kop-AutopayWakil Khidmat Bank RakyatPengurupan Wang Asing (cawangan

    Angkasa Raya sahaja)Kiriman Wang (Western Union)MEPS Serantau (NETS, Singapura &

    ARTAJASA, Indonesia)Perkhidmatan Tabung HajiEjen Kutipan Cukai PintuTakaful HayatiTambah Nilai Pra-bayar (i-Rakyat dan ATM)

    SavingsSavings Account-i TawfirSavings Account-i SyababSavings Account-i nuri

    InvestmentGeneral investment Account-i Qiradh Sijil Pembiayaan Bank Rakyat (SPBR)

    Consumer Financingpersonal financing-i AslahHome financing-i manziliEducation financing-i falahCar financing-i Annaqlufixed Asset financing-i Al-mal Share financing-iPawn Broking-i Ar-Rahnu/Az-Zahab/

    GEniuSLeasing-i Ijarah Home Financing-i Manzili (SJKP)Collateral financing (pnB investment

    Certificate)Credit Card-iland financing-i Ardhi

    Commercial FinancingContract financing-iShare financing-iBridging financing-iHire purchaseproperty financing-i

    Financing for SMI and Cooperative Entrepreneur

    Revolving Credit Facility-i Tarkhis (SElAWAT)

    Joint Venture-i Syarik (Rakan Koop)Rural Development financing-i Scheme

    (SpED)Micro Financing-i Scheme (MUsK)Business financing-i Belia niaga SchemeRakyat Franchise Financing-i SchemeCredit Guarantee Corporation Scheme

    (CGC) Contract Financing-i TijariTerm financing-i Bridging financing-iHire purchase property financing-iSmE Assistance Guarantee Scheme

    (SAGS)

    Servicesi-Rakyat Internet Bankingtele-Rakyat Call Centre e-Rakyat Electronic Banking Centre off-premise ATmInterbank Giro (IBG)Bankcard/MEPSInterbank Fund Transfer (IBFT)Autopay Systempension SchemeArmed forces Retirement

    pension payment Agent (JHEv)one-Stop Bill paymentpayment Collection AgentZakat Collection AgentWill Writing Services Ar-Rahnu XChangeKop-Autopay Service SchemeBank Rakyat Service Agentforeign Currency Exchange (only at

    Angkasa Raya branch)Remittance (Western union) Regional mEpS (nETS, Singapore &

    ARTAJASA, indonesia)Tabung Haji ServicesQuit Rent Collection AgentTakaful HayatiTop-up Prepaid (i-Rakyat and ATM)

    22Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • PerBankan elektronik

    Selaras dengan kemajuan era teknologi maklumat dan komunikasi, Bank Rakyat memberikan tumpuan jitu terhadap pembangunan sistem dan infrastruktur teknologi maklumat. Melalui aplikasi moden ini, Bank Rakyat berkeyakinan untuk mengurangkan tempoh pemprosesan maklumat bagi membolehkan pelanggan berurusan terus dan mendapat maklumat kewangan dari kawasan luar operasi Bank pada setiap masa.

    Bilangan ATM yang ditempatkan di luar premis ditambah dan sehingga kini terdapat 86 lokasi terpilih mempunyai kemudahan ini di pusat pengajian tinggi, pusat membeli-belah dan tempat kemudahan orang ramai. Perkhidmatan ATM 24 jam Bank Rakyat juga boleh dinikmati di semua cawangan Bank Rakyat.

    Sebagai langkah menerapkan pemodenan dalam perkhidmatannya kepada masyarakat, Bank Rakyat telah melancarkan Pusat Perbankan Elektronik (EBC) yang pertama pada 28 Januari 2003, dikenali sebagai e-Rakyat di Cawangan Jalan Tangsi, Kuala Lumpur. Kini Bank Rakyat mempunyai 42 buah EBC di seluruh negara.

    e-Rakyat menyediakan kemudahan ATM, mesin deposit tunai/cek dan perkhidmatan layan diri bagi bayaran balik pembiayaan dan bil setempat. Melalui jalinan kerjasama dengan MEPS, kini pemegang kad ATM Bank Rakyat (Kad Rakyat) boleh menikmati kemudahan ATM di semua rangkaian MEPS di seluruh negara.

    Sebagai salah satu inisiatif Bank untuk menambah saluran penghantaran menerusi peningkatan ICT, kemudahan perbankan internet, i-Rakyat dilancarkan untuk pelanggan pada 23 Januari 2007.

    ELECTRONIC BANKING

    in line with the progress in information and communication technology, Bank Rakyat maintains a serious focus on its systems development and information technology development. Through this modern application, Bank Rakyat is confident of reducing its data processing time thus enabling its customers to obtain financial information from external locations at any time.

    The number of ATm at external premises has been increased and to date there are 86 chosen locations with this facility in places such as higher learning institutions, shopping centres and public places. Bank Rakyats 24 hour ATM services are available at all Bank Rakyat branches.

    In a move to modernise its service to the community, Bank Rakyat has introduced its first Electronic Banking Centre (EBC) on 28 January 2003, known as e-Rakyat at Jalan Tangsi branch in Kuala Lumpur. Now, there are 42 EBCs throughout the country.

    e-Rakyat offers a multitude of services such as ATM facility, cash and cheque deposit machine, self-service financing repayment and one-stop centre for bill payments.

    In order to increase its customers convenience, Bank Rakyat, through co-operation with MEPS, now allows all the banks ATM cardholders (Kad Rakyat) to access ATM facilities at all mEpS outlets throughout the country.

    As an initiative to increase delivery channels through iCT advancement, the i-Rakyat internet banking service was launched on 23 January 2007.

    23Laporan Tahunan Bank Rakyat Annual Report 2008

  • 1954

    1967

    1973

    PENCAPAIANmilESTonES

    1954 Sebelas daripada Bank Persatuan bergabung menjadi Bank Agong Kampong Bekerjasama-sama Dengan Tanggungan Berhad, ringkasnya Bank Agong (Apex Bank) dan didaftarkan di bawah Ordinan Koperasi 1948.Eleven cooperatives under Bank Persatuan combined strengths to become Bank Agong Kampong Bekerjasama-sama Dengan Tanggungan Berhad, or in short Bank Agong (Apex Bank). The Bank was registered under the Cooperative Ordinance 1948.

    1964 Perubahan nama kepada Bank Agong Kerjasama Malaysia Berhad. The Banks name was changed to Bank Agong Kerjasama malaysia Berhad.

    Modal Bank dinaikkan dari RM2 juta kepada RM20 juta.The Banks capital was raised from RM2 million to RM20 million.

    1967 Nama Bank Agong ditukar kepada Bank Kerjasama Malaysia Berhad, ringkasnya Bank Kerjasama.Bank Agong changed its name to Bank Kerjasama Malaysia Berhad, or in short Bank Kerjasama. Keanggotaan dibuka kepada individu dan kepada koperasi-koperasi.memberships were opened to individuals and cooperatives.

    Perluasan fungsi dan tujuan untuk membolehkan Bank menjalankan aktiviti Bank dan pinjaman wang kepada koperasi dan individu.The Banks goals and functions were expanded to enable it to conduct banking and money lending activities for cooperatives and individuals.

    1973 Pindaan dibuat ke atas Undang-Undang Kecil.Amendments were made on the Banks By-Laws.

    Pindaan ini membolehkan Bank menceburi perniagaan lain dengan tujuan mendapatkan keuntungan melalui penubuhan anak-anak syarikat seperti Pulp and Paper Industries Sdn. Bhd., Industrial Hardware Sdn. Bhd. dan Kumpulan Rakyat Sdn. Bhd.The amendment allowed the Bank to engage in other profitable businesses through the establishment of subsidiaries such as pulp and paper industries Sdn. Bhd., Industrial Hardware Sdn. Bhd. and Kumpulan Rakyat Sdn. Bhd.

    Nama Bank Kerjasama Malaysia Berhad (Bank Kerjasama) ditukar kepada Bank Kerjasama Rakyat Malaysia Berhad, ringkasnya Bank Rakyat.Bank Kerjasama Malaysia Berhad (Bank Kerjasama) underwent another name change to Bank Kerjasama Rakyat Malaysia Berhad, which in short is known as Bank Rakyat.

    1974 Angkasaraya Development Sdn. Bhd., sebuah anak syarikat Bank Rakyat membina bangunan Angkasaraya di Jalan Ampang yang merupakan bangunan paling moden di Kuala Lumpur bernilai RM20 juta.Angkasaraya Development Sdn. Bhd., a subsidiary of Bank Rakyat built the RM20 million Bangunan Angkasaraya at Jalan Ampang which was then the most modern structure in Kuala Lumpur.

    Modal syer Bank dinaikkan kepada RM50 juta.The Banks share capital was raised to RM50 million. 1978 Akta Bank Kerjasama Rakyat Malaysia Berhad (Peruntukan Khas) 1978 telah diwujudkan untuk membolehkan kerajaan mengawasi dan mengawal pengurusan dan pentadbiran Bank Rakyat. Kerajaan telah memberi pinjaman sebanyak RM115 juta untuk memulihkan Bank.The Bank Kerjasama Rakyat Malaysia Berhad Act (Special Provision) 1978 was enacted to enable the government to oversee and control the management and administration of Bank Rakyat. The government extended a RM115 million loan to turnaround the Bank. Akta tersebut juga membolehkan Bank memberi pinjaman kepada mereka yang bukan anggota dan syarikat-syarikat. The Act also enabled the Bank to give out loans to non-members and companies.

    1979 Ibu Pejabat Bank Rakyat berpindah ke Bangunan Bank Rakyat di Jalan Tangsi, Kuala Lumpur.Bank Rakyat Head Office moved to Bangunan Bank Rakyat at Jalan Tangsi, Kuala Lumpur.

    1989 Bank diletakkan di bawah Kementerian Tanah dan Pembangunan Koperasi dan Kementerian Kewangan.The Bank was placed under the purview of the Land and Cooperative Development ministry and the finance ministry.

    24Laporan Tahunan

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    2008

  • 1989

    1993

    Satu memorandum persefahaman dimeterai di antara Bank Rakyat dengan Bank Islam Malaysia Berhad sebagai pakar perunding untuk melaksanakan Sistem Perbankan Syariah.A Memorandum of Understanding was sealed between Bank Rakyat and Bank Islam Malaysia Berhad to seek their expertise in our implementation of Syariah Banking System.

    Sistem Perbankan Syariah dilancarkan Pengerusi Bank, Datuk Dr. Afifudin Omar di empat buah cawangan iaitu Cawangan Alor Star, Kota Bharu, Jalan Ipoh dan Sungai Besar. Bank Rakyat merupakan bank pertama melaksanakan peralihan daripada sistem perbankan konvensional kepada Syariah.Bank Rakyat Chairman, Datuk Dr. Afifudin Omar launched the Syariah Banking System at four of our branches namely Alor Star, Kota Bharu, Jalan Ipoh and Sungai Besar. Bank Rakyat was the first bank to have implemented the migration from conventional to Syariah-based banking system.

    1993

    1989 Bank membuka Cawangan Bandar Tun Razak yang merupakan cawangan mini yang pertama bagi mengembangkan rangkaian cawangan ke kawasan-kawasan baru.The Bank opened its first mini branch at Bandar Tun Razak as part of its initiative to expand its network of branches in new areas.

    1994 Bank Rakyat membuka cawangan di Jertih, Terengganu. Bank Rakyat merupakan bank konvensional pertama membuka cawangan perbankan Islam. The Bank opened a new branch in Jertih, Terengganu. It was the first conventional bank to open an Islamic banking branch.

    Kemudahan Mesin Juruwang Automatik (ATM) diperkenalkan.The Bank introduced the use of Automated Teller Machines (ATms).

    Modal Syer Dibenarkan dinaikkan daripada RM50 juta kepada RM100 juta.Our Authorised Share Capital was raised from RM50 million to RM100 million.

    Cawangan Kota Kinabalu yang merupakan cawangan pertama beroperasi di Malaysia Timur dibuka berikutan pindaan Akta Koperasi 1993 yang membolehkan koperasi menjalankan perniagaan di Sabah dan Sarawak.Our Kota Kinabalu Branch which was the Banks first branch to operate in East malaysia, in line with the amendment of Cooperative Act 1993 which enabled cooperatives to conduct business in Sabah and Sarawak.

    Majlis Pengawasan Syariah dibentuk bagi memastikan operasi Bank dilaksanakan selaras dengan prinsip, ajaran dan konsep Islam.our Syariah Advisory Council was formed to ensure that the Banks operations is implemented in line with the Islamic principles, teachings and concept.

    25Laporan Tahunan Bank Rakyat Annual Report 2008

  • PENCAPAIANmilESTonES

    Perkhidmatan Tabung Haji di Bank Rakyat diperkenalkan.Introduction of Tabung Haji Services in Bank Rakyat.

    Pelancaran Kad Kredit-i.launching of Credit Card-i.

    2008

    26Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • 2000

    20062003

    1999 Modal Syer Dibenarkan dinaikkan kepada RM1 bilion.Our Authorised Share Capital was raised to RM1 billion.

    Pelancaran Sistem Perbankan Runcit Bersepadu (IRBS) bagi memantapkan sistem pengkomputeran dan daya saing Bank.The Integrated Retail Banking System (IRBS) was launched to strengthen the computerisation system and competitiveness of the Bank.

    Kesemua 80 cawangan Bank telah menawarkan produk-produk perbankan Syariah.All the Banks 80 branches offered Syariah compliant banking products.

    2000 Pembukaan Kedai Ar-Rahnu pertama di Kota Bharu, Kelantan.The opening of our first Kedai Ar-Rahnu in Kota Bharu, Kelantan.

    2001 Kemudahan Mesin Juruwang Automatik Luar Premis dilancarkan.Launching of the first Off Premise Automated Teller Machine facility. Bank menjelaskan pinjaman kepada kerajaan.The Bank settled its loans to the government.

    Pelancaran logo baru Bank Rakyat.The launch of Bank Rakyat new logo.

    Bank diletakkan di bawah Akta Institusi Kewangan Pembangunan 2002 (DFIA) yang meletakkan Bank di bawah kawalselia secara langsung Bank Negara Malaysia. The Bank was placed under the Development Financial Institutions Act 2002 (DFIA) which in turn placed the Bank under direct control of Bank Negara Malaysia.

    2002 Mengadakan semula Mesyuarat Agung Tahunan selepas 16 tahun.our Annual General meeting was reconvened after a lapse of 16 years.

    Bank beroperasi sepenuhnya secara Syariah apabila ia berjaya menukarkan baki aset konvensional sebanyak 1.1% kepada aset Syariah.

    The Bank operates as a fully Syariah compliant bank when it successfully converted its 1.1% conventional asset balance to Syariah compliant assets.

    Bank menawarkan kesemua aktiviti secara Syariah.The Bank converts all its banking activities into Syariah compliant activities.

    2003 Modal Syer Dibenarkan dinaikkan daripada RM1 bilion kepada RM2 bilion.The Banks Authorised Share Capital was raised from RM1 billion to Rm2 billion.

    e-Rakyat, Pusat Perbankan Elektronik yang pertama diperkenalkan di Cawangan Jalan Tangsi, Kuala Lumpur.e-Rakyat, the first Electronic Banking Centre was introduced at Jalan Tangsi Branch, Kuala Lumpur.

    2004 Bank diletakkan di bawah Kementerian Pembangunan Usahawan dan Koperasi.The Bank was placed under the jurisdiction of the Ministry of Entrepreneur and Cooperative Development.

    Menyertai rangkaian Malaysia Electronic Payment System (MEPS) dan menjadi institusi perbankan bukan komersil pertama menyertai MEPS.participated in the malaysia Electronic payment System (MEPS), the first non-commercial banking institution to participate in mEpS.

    2006 tele-Rakyat, Pusat Panggilan Bank diperkenalkan.Introduction of tele-Rakyat, the Banks Call Centre.

    Pelancaran Ar-Rahnu XChange, iaitu kedai pajak gadai Islam pertama di Malaysia. Kedai prototaip pertama terletak di Sentul, Kuala Lumpur.Launching of Ar-Rahnu XChange, the first Islamic pawnshop in Malaysia. Its first prototype shop is located in Sentul, Kuala Lumpur.

    2007 i-Rakyat, kemudahan Perbankan Internet dilancarkan kepada pelanggan.i-Rakyat, our Internet Banking service was launched for the convenience of our customers.

    27Laporan Tahunan Bank Rakyat Annual Report 2008

  • PERISTIWAPENTING MEDIA

    2008MEDIAHIGHLIGHTS

    28Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • 29Laporan Tahunan Bank Rakyat Annual Report 2008

  • PERISTIWA KORPORAT 20082008 CAlEnDAR of EvEnTS

    25 27 Januari/JANuARYMesyuarat Pelan Tindakan Perniagaan telah dihadiri oleh semua pengurus dari seluruh negara bagi menetapkan strategi dan sasaran Bank bagi tahun 2008.

    managers from all over the country attended the Business Action plan Meeting to set the Banks strategies and targets for year 2008.

    1 FeBruari/FEBRuARYBank Rakyat menjuarai perbarisan Hari Wilayah Persekutuan.

    Bank Rakyat emerged winner in the march past in conjunction with Federal Territory Day.

    12 FeBruari/FEBRuARYBank Rakyat menyampaikan tajaan kepada Malaysian Super League atas keprihatinan untuk meningkatkan mutu sukan bola sepak negara.

    Bank Rakyat presented its sponsorship for the malaysian Super league as part of its effort to improve the quality of the national football.

    20 FeBruari/FEBRuARYKeuntungan bank sebelum cukai dan zakat bagi tahun berakhir 2007 berjumlah RM828.83 juta dan

    pembayaran dividen sebanyak 20% diumumkan oleh Dato Seri Mohamed Khaled Nordin, Menteri Pembangunan Usahawan dan Koperasi.

    The Banks profit before tax and zakat for the year ended 2007 totalled RM828.83 million and the payment of 20% dividend was announced by Dato Seri Mohamed Khaled Nordin, minister Entrepreneur and Cooperative Development.

    6 Mac/MARChCawangan ke-113 di Bandar Indera Mahkota dibuka kepada orang ramai.

    The 113th branch in Bandar Indera Mahkota was opened to the public.

    22 Mac/MARChSambutan ulang tahun pertama Kelab Nuri diadakan di Zoo Negara.

    Nuri Clubs first anniversary celebration was held at the National Zoo.

    28 Mac/MARChMajlis menandatangani perjanjian untuk membeli kelas aset dimeterai dengan Cagamas Berhad.

    Signing ceremony to purchase the Bank asset classes was sealed with Cagamas Berhad.

    31 Mac/MARChBank Rakyat memeterai perjanjian dengan Telekom Malaysia bagi memindahkan teknologi frame Relay kepada teknologi Pensuisan Label Multi-Protokol.

    Bank Rakyat sealed an agreement with Telekom Malaysia to migrate from frame Relay technology to the newer multi protocol label Switching technology.

    4 aPril/APRILMenteri Pembangunan Usahawan dan Koperasi yang baru, Dato Noh Haji Omar membuat lawatan kerja rasmi ke Ibu Pejabat.

    Dato Noh Haji Omar, the new Minister of Entrepreneur and Cooperative Development, paid an official working visit to the Head Office.

    5 aPril/APRILMesyuarat Agung Bank Rakyat yang dihadiri seramai lebih 1,000 perwakilan dirasmikan oleh Dato Noh Haji Omar.

    Bank Rakyat Annual General Meeting attended by more than 1,000 members was officiated by Dato Noh Haji Omar.

    1 FeBruari/FEBRuARY

    25 27 Januari/JANuARY

    30Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • 20 FeBruari/FEBRuARY

    22 Mac/MARCh

    28 Mac/MARCh

    31 Mac/MARCh

    5 aPril/APRIL

    4 aPril/APRIL

    12 FeBruari/FEBRuARY

    31Laporan Tahunan Bank Rakyat Annual Report 2008

  • PERISTIWA KORPORAT 20082008 CAlEnDAR of EvEnTS

    12 13 aPril/APRIL

    15 aPril/APRIL

    3 Mei/MAY

    16 Mei/MAY

    3 4 Mei/MAY

    25 Mei/MAY

    6 Jun/JuNE

    32Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • 12 13 aPril/APRILKarnival Memancing Bank Rakyat Joran di Jitra, Kedah yang menghimpunkan kaki pancing di seluruh negara telah mendapat sambutan menggalakkan. Karnival yang sama telah diteruskan di Kemaman pada 13 14 Jun dan Melaka pada 12 13 Julai.

    Bank Rakyat Joran Fishing Carnival at Jitra, Kedah, which brought together anglers all around the country, has received tremendous response. The same carnival was organised again in Kemaman from 13 14 June and Malacca from 12 13 July.

    15 aPril/APRILPerkhidmatan Tabung Haji di ATM Bank Rakyat telah dilancarkan. Kemudahan ini membolehkan pelanggan Tabung Haji membuat simpanan, pengeluaran dan pindahan wang di semua ATM dan CDM Bank Rakyat.

    The Tabung Haji services at Bank Rakyat ATM was launched. The facility enables Tabung Haji customers to deposit, withdraw and transfer money at all of Bank Rakyat ATM and CDM.

    17 aPril/APRILCawangan ke-114 di Ayer Keroh dibuka.

    Opening of the 114th branch in Ayer Keroh.

    3 Mei/MAYBank Rakyat memenangi Anugerah Majikan Prihatin (Kategori Syarikat Besar) sempena sambutan Hari Pekerja 2008.

    Bank Rakyat bagged the Caring Employer Award (large Corporations Category) in conjunction with Labour Day celebration 2008.

    3 4 Mei/MAYKarnival Bank Rakyat dianjurkan buat julung kalinya di Butterworth, Pulau Pinang. Karnival dua hari yang dipenuhi pelbagai aktiviti diadakan bertujuan untuk mendekatkan Bank kepada anggota dan pelanggan. Bank turut mengadakan karnival ini di Pasir Puteh, Kelantan pada 30 31 Mei dan Batu Pahat, Johor pada 26 27 Julai.

    Bank Rakyat Carnival was organised for the first time in Butterworth, Pulau pinang. The two-day Carnival was filled with various activities which were aimed to bring the gap closer between the Bank and its members and customers. The Bank also organised the same Carnival in pasir Puteh, Kelantan from 30 31 May and Batu Pahat, Johor from 26 27 July.

    16 Mei/MAYAr-Rahnu XChange Koperasi Serbaguna Iman Malaysia dibuka. Rakyat Management Services, salah sebuah subsidiari Bank merupakan francaisor Ar-Rahnu XChange.

    Ar-Rahnu XChange Koperasi Serbaguna iman malaysia was opened. Rakyat Management Services, one of the Banks subsidiaries, is the franchisor of Ar-Rahnu XChange.

    25 Mei/MAYSeramai lebih 1,000 warga kerja dan ahli keluarga memeriahkan sambutan Hari Keluarga Bank Rakyat di FRIM, Kepong, Kuala Lumpur.

    A total of more than 1,000 employees and family members had an enjoyable moment at Bank Rakyat Family Day held in FRIM, Kepong, Kuala Lumpur.

    6 Jun/JuNEWarga kerja Ibu Pejabat diraikan dalam majlis makan malam tahunan bagi menghargai sumbangan dan usaha yang telah diberikan terhadap kecemerlangan Bank sepanjang 2008.

    Head Office employees were feasted to an annual dinner as an appreciation for their contribution and effort towards the success of the Bank for the year 2008.

    19 Julai/JuLyBank Rakyat menduduki tempat pertama dalam Indeks 100 Koperasi Terbaik 2007 pada sambutan Hari Koperasi Negara.

    Bank Rakyat was ranked first on the 100 Index of the Best Cooperative 2007 in conjunction with the National Cooperative Day.

    19 Julai/JuLy

    33Laporan Tahunan Bank Rakyat Annual Report 2008

  • 29 Julai/JuLyMemorandum persefahaman dengan MobilityOne Sdn Bhd ditandatangani bagi memudahkan pelanggan menambah nilai pra bayar telefon bimbit menerusi ATM dan i-Rakyat.

    Delegasi dari Iran melakukan lawatan ke Ibu Pejabat bagi mendapatkan pendedahan tentang operasi Bank.

    A memorandum of understanding was signed with mobilityone Sdn Bhd to facilitate customers to reload their mobile prepaid value through ATm and i-Rakyat.

    Delegates from iran paid a visit to the Head Office to obtain exposure on the Banks operations.

    1 ogos/AuGuSTPersidangan Tahunan Pengurus-Pengurus diadakan di Kota Bharu, Kelantan bertujuan membincangkan isu-isu penting bagi mencapai sasaran operasi Bank.

    The Annual managers Conference was organised in Kota Bharu, Kelantan to discuss important issues to achieve the Banks target.

    28 ogos/AuGuSTDato Noh Haji Omar melancarkan Kad Kredit-i Bank Rakyat.

    Dato Noh Haji Omar launched the Bank Rakyats Credit Card-i.

    29 ogos/AuGuSTCawangan ke-115 di Presint 15, Wilayah Persekutuan Putrajaya dibuka kepada orang ramai.

    PERISTIWA KORPORAT 20082008 CAlEnDAR of EvEnTS

    The 115th branch in Precinct 15, Putrajaya was opened to the public.

    9 sePteMBer/SEPTEMBERMedia diraikan dalam majlis berbuka puasa bagi menghargai sokongan yang diberikan kepada Bank.

    The media were treated for a buka puasa in appreciation for their support towards the Bank.

    12 sePteMBer/SEPTEMBERMajlis berbuka puasa Ibu Pejabat diadakan untuk memantapkan kegiatan kerohanian dalam kalangan warga kerja.

    Buka puasa for Head Office employees was organised to strengthen spiritual activities among the employees.

    16 sePteMBer/SEPTEMBERDato Noh Haji Omar menyampaikan sumbangan zakat Bank kepada Pusat Jagaan Titian Kasih, Titiwangsa pada majlis berbuka puasa bersama kakitangan The New Straits Times Press, Bangsar, Kuala Lumpur.

    Dato Noh Haji Omar presented the Banks zakat contribution to Pusat Jagaan Titian Kasih, Titiwangsa during a buka puasa with employees of The New Straits Times Press, Bangsar, Kuala lumpur.

    26 dan/AND 28 sePteMBer/SEPTEMBERSempena sambutan ulang tahun yang ke-54, Bank Rakyat menyampaikan sumbangan kepada kanak-kanak di wad pediatrik di 12 buah hospital kerajaan di seluruh negara.

    In conjunction with its 54th anniversary, Bank Rakyat gave away contributions to children at pediatric wards of 12 government hospitals nationwide.

    26 sePteMBer/SEPTEMBERMajlis kesyukuran diadakan di Ibu Pejabat dan cawangan-cawangan bersempena sambutan ulang tahun ke-54 Bank Rakyat.

    A thanksgiving ceremony was held at the Head Office and branches in conjunction with the Banks 54th anniversary.

    11 oktoBer/OCTOBERKolej Kediaman Bukit Kachi Satu kini dikenali sebagai Kolej Kediaman Bank Rakyat selepas pemasyhurannya disempurnakan di Universiti Utara Malaysia, Sintok, Kedah.

    Kolej Kediaman Bukit Kachi Satu was renamed as Kolej Kediaman Bank Rakyat after its proclamation was concluded at universiti utara malaysia, Sintok, Kedah.

    13 oktoBer/OCTOBERBank meraikan pendeposit dan rakan niaga di Majlis Rumah Terbuka Hari Raya Aidilfitri.

    Bank celebrated its depositors and business partners at an Aidilfitri open house.

    18 oktoBer/OCTOBERMajlis Hari Raya Aidilfitri diadakan di Jalan Tangsi untuk warga kerja Ibu Pejabat.

    The Bank organised a Hari Raya Aidilfitri celebration for its Head Office employees in Jalan Tangsi.

    29 Julai/JuLy

    29 Julai/JuLy

    34Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • 9 sePteMBer/SEPTEMBER

    26 dan/AND 28 sePteMBer/SEPTEMBER

    26 sePteMBer/SEPTEMBER

    11 oktoBer/OCTOBER

    28 ogos/AuGuST

    1 ogos/AuGuST

    13 oktoBer/OCTOBER

    18 oktoBer/OCTOBER

    16 sePteMBer/SEPTEMBER

    12 sePteMBer/SEPTEMBER

    35Laporan Tahunan Bank Rakyat Annual Report 2008

  • PERISTIWA KORPORAT 20082008 CAlEnDAR of EvEnTS

    1 diseMBer/DECEMBERCawangan ke-117 di Mukah, Sarawak dibuka.

    The opening of our 117th branch office in Mukah, Sarawak.

    3 diseMBer/DECEMBERBank Rakyat memenangi Anugerah Kecemerlangan NAfMA 2008.

    Bank Rakyat won the 2008 NAfMA Excellence Award.

    19 21 diseMBer/DECEMBERSukan Bank Rakyat (SUBARA) yang menghimpunkan kontinjen dari Ibu Pejabat dan cawangan diadakan bagi melahirkan warga kerja cergas dan aktif.

    Sukan Bank Rakyat (SUBARA), which has convened contingents from Head Office and branches was organised to create healthy and active employees.

    30 diseMBer/DECEMBERPembukaan Ar-Rahnu XChange Koperasi Jabatan Kesihatan Kedah di Pokok Sena, Kedah.

    The opening of Koperasi Jabatan Kesihatan Kedah Ar-Rahnu XChange in Pokok Sena, Kedah.

    20 oktoBer/OCTOBERBank Rakyat melancarkan iklan di badan pesawat AirAsia bagi mengukuhkan penjenamaan korporat.

    Bank Rakyat launched its livery advertisement on the aircraft body of AirAsia to strengthen its corporate branding.

    22 oktoBer/OCTOBERCawangan ke-116 di Gong Badak, Terengganu mula beroperasi.

    The 116th branch in Gong Badak, Terengganu commenced operation.

    14 noveMBer/NOvEMBERPerjanjian pembiayaan komersil dengan Kumpulan Columbia Asia ditandatangani sebagai salah satu usaha untuk membangunkan sektor kesihatan.

    Signing of a Commercial financing Agreement with Columbia Asia Group as part of the Banks move to develop the health sector.

    25 noveMBer/NOvEMBERPerjanjian dengan Kumpulan Emkay dimeterai bagi membangunkan projek hartanah di Cyberjaya.

    Signing of an agreement with Emkay Group to undertake property development project in Cyberjaya.

    20 oktoBer/OCTOBER

    14 noveMBer/NOvEMBER

    19-21 diseMBer/DECEMBER

    25 noveMBer/NOvEMBER

    3 diseMBer/DECEMBER

    36Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • PRIHATIN PELANGGANCuSTomER CARE

    38Piagam PelangganCustomer Charter

    39Piagam Pembiayaan Mikromicro financing Charter

    37Laporan Tahunan Bank Rakyat Annual Report 2008

  • PIAGAM PELANGGANCuSTomER CHARTER

    Kami bertekad untuk memberikan perkhidmatan yang cemerlang, cekap, berkesan dan mesra kepada pelanggan-pelanggan kami.

    We are committed to provide excellent, efficient, effective and friendly services to our clients.

    urusan/TRANSACTIONS teMPoH/DuRATION

    1. Tempoh Memproses Permohonan Lengkap/ Duration of Complete Application processing a. Pembiayaan Peribadi/personal financing

  • PIAGAM PEMBIAyAAN MIKROmiCRo finAnCinG CHARTER

    Kami bertekad untuk memberikan perkhidmatan yang cemerlang, cekap, berkesan dan mesra kepada pelanggan-pelanggan kami.

    We are committed to provide excellent, efficient, effective and friendly services to our clients.

    MudaH/SIMPLE Untuk usahawan/ for entrepreneurs Tanpa cagaran atau jaminan/ no collaterals or securities Borang permohonan yang ringkas/ Simple application forms Akaun simpanan di Bank Rakyat/ Savings account at Bank Rakyat Dokumen yang minimum/ minimum documents

    cePat/FAST Kelulusan diperolehi dalam tempoh 10 hari bekerja/ Approvals within 10 working days

    senang/CONvENIENT Syarat-syarat yang telus/ Transparent conditions Ansuran pembiayaan yang rendah/ low instalments Boleh dibayar di mana-mana cawangan dan ATM Bank Rakyat/ Payable at any Bank Rakyat branches and ATM Potongan akaun simpanan/ Deductible from savings account

    39Laporan Tahunan Bank Rakyat Annual Report 2008

  • AHLI LEMBAGA PENGARAHBOARD OF DIRECTORS42

    Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • Datuk Haji Mohd. Khalil Dato Mohd. NoorDato Zuber Haji ShariffDato Mohd. Hashim AbdullahDato Dr. Syed Hussain Syed HusmanTan Sri Dato Dr. Syed Jalaludin Syed Salim (Pengerusi/Chairman)Datuk Kamaruzaman Che Mat (Pengarah Urusan/Managing Director)Datuk Mohd. Hashim HassanAhmad Badri Mohd. ZahirDato Zainuddin Haji Abdul RahmanDato Rosely Samsuri (Setiausaha Bank/Bank Secretary)

    Dari kiri ke kanan:From left to right:

    43Laporan Tahunan Bank Rakyat Annual Report 2008

  • PROFIL LEMBAGA PENGARAHPROFILE OF THE BOARD OF DIRECTORS

    Tan Sri Dato Dr. Syed Jalaludin Syed SalimPengerusi

    Tan Sri Dato Dr. Syed Jalaludin Syed Salim dilantik sebagai Pengerusi Bank Rakyat pada 8 Januari 2003 selepas bersara sebagai Naib Canselor Universiti Putra Malaysia. Beliau adalah lulusan Doktor Falsafah (Ph.D) daripada Universiti London dan dianugerahi dengan lima lagi Ijazah Kedoktoran Kehormat daripada Hull University, United Kingdom; Soka University, Jepun; Thaksin University, Thailand; Universiti Terbuka Malaysia dan Universiti Malaysia Perlis.

    Perkhidmatan Tan Sri Dato Dr. Syed Jalaludin dalam bidang akademik bermula pada tahun 1969 hingga tahun 2001 telah membawa banyak pembaharuan dan inovasi dalam sektor pendidikan tinggi dan penyelidikan di Malaysia. Atas sumbangan dan jasa yang dicurahkan, beliau telah dianugerahkan sebagai National Science Laureate pada tahun 1993 dan Tokoh Akademik Negara pada tahun 2008. Tan Sri Dato Dr. Syed Jalaludin juga telah dianugerahkan Profesor Emeritus oleh Universiti Terengganu Malaysia dan Universiti Putra Malaysia. Beliau juga merupakan salah seorang daripada felo pengasas Akademi Sains Malaysia.

    Sungguh pun telah bersara daripada perkhidmatan di institut pengajian tinggi, namun Tan Sri Dato Dr. Syed Jalaludin terus menyumbang dalam sektor pendidikan tinggi sebagai pengerusi di beberapa buah universiti antaranya Universiti Putra Malaysia dan Universiti Tun Abdul Razak.

    Tan Sri Dato Dr. Syed Jalaludin juga aktif di dalam bidang korporat. Beliau memegang beberapa jawatan dalam syarikat kerajaan dan swasta. Tan Sri Dato Dr. Syed Jalaludin pada masa ini menerajui Perbadanan Pembangunan Industri Halal (HDC) sebagai Pengerusi.

    Atas jasa dan sumbangan besar beliau dalam pembangunan negara, Tan Sri Dato Dr. Syed Jalaludin telah dikurniakan Panglima Setia Mahkota (P.S.M.) dan Johan Setia Mahkota oleh Seri Paduka Baginda Yang DiPertuan Agong, Darjah Dato Sultan Salahuddin Abdul Aziz Shah (D.S.S.A) oleh DYMM Sultan Selangor serta Darjah Dato Paduka Mahkota Perlis (D.P.M.P) oleh DYMM Raja Perlis.

    44Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • Chairman

    Tan Sri Dato Dr. Syed Jalaludin Syed Salim was appointed the Chairman of Bank Rakyat on 8 January 2003 after retiring as the Vice Chancellor of University Putra Malaysia. He is a doctor of philosophy from London University and has been conferred five more Honorary Doctorate Degree from Hull University, United Kingdom; Soka University, Japan; Thaksin University, Thailand; Open University Malaysia and Universiti Malaysia Perlis.

    Tan Sri Dato Dr. Syed Jalaludins career in academic began in 1969 until 2001 and has brought about many improvement and innovation in the higher education and research sectors in Malaysia. In recognition of his contribution, he has been bestowed with the National Science Laureate in 1993 and National Academician in 2008. Tan Sri Dato Dr. Syed Jalaludin has also been conferred the Emeritus Professor by Universiti Terengganu Malaysia and Universiti Putra Malaysia. He is also one of the fellow founders of the Malaysia Science Academy.

    Even though Tan Sri Dato Dr. Syed Jalaludin has retired from the institutions of higher education, he is still contributing to the higher education sector as the chairman of several universities namely Universiti Putra Malaysia and Universiti Tun Abdul Razak.

    Tan Sri Dato Dr. Syed Jalaludin is also active in the corporate sector and holds several posts in the public and private sectors. Tan Sri Dato Dr. Syed Jalaludin is currently heading the Halal Development Corporation (HDC) as its Chariman.

    For his vast contributions to the countrys development, Tan Sri Dato Dr. Syed Jalaludin has been conferred the Panglima Setia Mahkota (P.S.M.) and Johan Setia Mahkota by Seri Paduka Baginda Yang DiPertuan Agong, Darjah Dato Sultan Salahuddin Abdul Aziz Shah (D.S.S.A) by DYMM Sultan of Selangor and Darjah Dato Paduka Mahkota Perlis (D.P.M.P) by DYMM Raja Perlis.

    Tan Sri Dato Dr.

    Syed Jalaludins

    exposure in

    management

    and academic

    leadership

    has been very

    prominent.

    Furthermore, on

    the international

    front, he has been

    actively involved

    in leading several

    well-established

    institutions and

    associations.

    45Laporan Tahunan Bank Rakyat Annual Report 2008

  • PROFIL LEMBAGA PENGARAHPROFILE OF THE BOARD OF DIRECTORS

    Datuk Kamaruzaman Che Mat, warganegara Malaysia berusia 55 tahun, dilantik sebagai Pengarah Urusan Bank Rakyat pada 1 Mac 2006. Datuk Kamaruzaman adalah seorang akauntan yang juga Fellow, Association of Chartered Certified Accountants (ACCA) dan Ahli Institut Akauntan Malaysia. Beliau mendapat kelulusan dalam bidang Perakaunan di peringkat diploma dari Universiti Teknologi Mara (UiTM) dan kemudian memperoleh kelulusan profesional dari ACCA.

    Sepanjang 26 tahun berkhidmat di Bank Rakyat, Datuk Kamaruzaman telah memegang beberapa jawatan penting termasuk Pengurus Besar, Kewangan dan Pelaburan sebelum dilantik Pengarah Urusan Bank Rakyat.

    Sebagai Pengarah Urusan dan Ahli Lembaga Pengarah Bank Rakyat, Datuk Kamaruzaman menganggotai beberapa Jawatankuasa di peringkat Lembaga Pengarah iaitu Jawatankuasa Pembiayaan, Jawatankuasa Pelaburan, Jawatankuasa Pengurusan Risiko, Jawatankuasa Imbuhan dan Jawatankuasa Pencalonan. Beliau juga Ahli Lembaga Pengarah syarikat subsidiari Bank Rakyat, Pengarah Alternat MEPS Sdn. Bhd., Ahli Majlis Persatuan Institusi Kewangan Pembangunan Malaysia (ADFIM), Ahli Majlis Persatuan Perbankan Islam Malaysia (AIBIM) dan Ahli Jawatankuasa Kumpulan Tabung Wang Amanah Pendidikan Koperasi.

    Mulai 1 April 2008, Datuk Kamaruzaman telah dilantik sebagai Profesor Adjung Kolej Perniagaan Universiti Utara Malaysia.

    Sebagai ketua yang menerajui bank koperasi terbesar dengan nilai aset perbankan Islam berjumlah RM41.7 bilion, Datuk Kamaruzaman terus merancakkan inisiatif peningkatan imej Bank Rakyat pada tahun lepas. Beberapa sinergi dalam perniagaan turut dimeterai dengan rakan-rakan niaga strategik untuk terus mengukuhkan asas Bank Rakyat, justeru, memberi nilai yang lebih tinggi kepada para pemegang kepentingan, khususnya para anggota serta menyediakan tahap perkhidmatan dan manfaat yang lebih cemerlang kepada pelanggan. Di bawah kepimpinan Datuk Kamaruzaman, Bank Rakyat terus mencatat prestasi kewangan yang cemerlang serta memainkan peranan yang lebih penting dalam usaha-usaha pembangunan sektor koperasi dan keusahawanan.

    Datuk Kamaruzaman Che Mat, a Malaysian citizen aged 55, was appointed Bank Rakyats Managing Director on 1 March 2006. A qualified accountant, Datuk Kamaruzaman is a Fellow of the Association of Chartered Certified Accountants (ACCA) and a member of the Malaysian Institute of Accountants. Datuk Kamaruzaman graduated with a Diploma in Accountancy from the Universiti Teknologi Mara (UiTM) before pursuing his professional qualification with ACCA.

    Having served Bank Rakyat for 26 years, Datuk Kamaruzaman holds a number of important position including General Manager of Finance and Investment before assuming his current position as Managing Director.

    As Managing Director and a member of the Board of Directors, Datuk Kamaruzaman sits on a number of Board Committees, the Financing Committee, Investment Committee, Risk Management Committee, Remuneration Committee and Nomination Committee. He also sits on the Board of Bank Rakyat subsidiaries, an Alternate Director of MEPS Sdn. Bhd., a Council Member for Association of Development Finance Institutions of Malaysia (ADFIM), Council Member for Association of Islamic Banking Institutions Malaysia (AIBIM) and member of the Cooperative Education Trust Fund Committee.

    On April 2008, Datuk Kamaruzaman was appointed Adjunct Professor for College of Business, Universiti Utara Malaysia.

    As the captain of Malaysias largest cooperative Islamic bank with assets amounting to RM41.7 billion, Datuk Kamaruzaman took a leading role to enhance the corporate image of Bank Rakyat. Datuk Kamaruzaman has also aggressively pursued forging strategic alliances with numerous business partners to strengthen the foundation of Bank Rakyat and subsequently offering a beneficial and a wider range of banking products and services to the Banks members and customers.

    Under his leadership, Bank Rakyat continuously recorded excellent financial performance and played greater role towards the development of the cooperative sector as well as entrepreneurship.

    Datuk Kamaruzaman Che MatPengarah Urusan/Managing Director

    46Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • Datuk Haji Mohd. Khalil Dato Mohd. Noor, warganegara Malaysia berusia 68 tahun, dilantik sebagai Ahli Lembaga Pengarah Bank Rakyat pada 16 Januari 2003. Beliau adalah lulusan Ijazah Sarjana Muda Sastera (Kepujian) dari Universiti Malaya dan Diploma Dasar Komersial dari GATT Training Institute, Switzerland.

    Sepanjang kerjaya beliau dalam perkhidmatan awam, Datuk Haji Mohd Khalil telah menyandang pelbagai jawatan kanan termasuk Setiausaha Jawatankuasa Pelaburan Asing (FIC), Jabatan Perdana Menteri dari 1979 hingga 1985, Setiausaha Bahagian Kewangan, Kementerian Kewangan dari 1987 hingga 1988, Timbalan Ketua Setiausaha di Kementerian Perdagangan dan Perindustrian dari 1988 hingga 1990, Ketua Setiausaha di Kementerian Kerja Raya dari tahun 1990 hingga 1994 dan Ketua Audit Negara dari tahun 1994 hingga 2000.

    Selain berkhidmat sebagai ahli Lembaga Pengarah Bank Rakyat, Datuk Haji Mohd. Khalil turut menyandang jawatan Pengarah bagi syarikat-syarikat subsidiarinya seperti Rakyat Holdings Sdn. Bhd. dan Rakyat Hartanah Sdn. Bhd.; selain IOI Corporation Berhad, Time Engineering Berhad, MNRB Holdings Berhad, Malaysian Re-insurance Berhad dan MNRB Retakaful Berhad.

    Datuk Haji Mohd. Khalil Dato Mohd. Noor, a Malaysian aged 68, was appointed to the Board of Bank Rakyat since 16 January 2003. He holds a Bachelor of Arts (Honours) degree from the University of Malaya and a Diploma in Commercial Policy from the GATT Training Institute, Switzerland.

    During the span of his career, Datuk Haji Mohd. Khalil held various senior positions in the government sector, including the post of Secretary of the Foreign Investment Committee (FIC) at the Prime Ministers Department from 1979 to 1985, Secretary Finance Division, Finance Ministry from 1987 to 1988, Deputy Secretary General at the Ministry of Trade and Industry from 1988 to 1990, Secretary General of the Ministry of Works from 1990 to 1994 and as the Auditor General of Malaysia from 1994 to 2000.

    Besides serving Bank Rakyat as its Director, Datuk Haji Mohd. Khalil is also a Director of its subsidiaries such as Rakyat Holdings Sdn. Bhd. and Rakyat Hartanah Sdn. Bhd.; apart from IOI Corporation Berhad, Time Engineering Berhad, MNRB Holdings Berhad, Malaysian Re-insurance Berhad and MNRB Retakaful Berhad.

    Datuk Haji Mohd. Khalil Dato Mohd. NoorPengarah/Director

    47Laporan Tahunan Bank Rakyat Annual Report 2008

  • PROFIL LEMBAGA PENGARAHPROFILE OF THE BOARD OF DIRECTORS

    Datuk Mohd. Hashim Hassan, warganegara Malaysia berusia 64 tahun, dilantik sebagai Ahli Lembaga Pengarah Bank Rakyat pada 16 Januari 2003. Beliau adalah lulusan Ijazah Sarjana Muda Sains Pertanian (Kepujian) dari Universiti Malaya, Ijazah Sarjana Sains Makanan dari Michigan State University, Amerika Syarikat dan Ijazah Sarjana Pentadbiran Perniagaan dari Ohio University, A.S.

    Datuk Mohd. Hashim mempunyai pengalaman bekerja yang luas di syarikat-syarikat swasta dan berkaitan kerajaan. Di awal tempoh kerjayanya, Datuk Mohd. Hashim berkhidmat dengan MARDI dari tahun 1970 hingga 1985 sebagai Pegawai Teknologi Makanan dan kemudian Pegawai Penyelidik Utama serta Pengarah di Bahagian Teknologi Makanan. Beliau menyertai Kumpulan FIMA Berhad sebagai Pengurus Besar pada tahun 1985. Pada tahun 1990, Datuk Mohd. Hashim dilantik sebagai Pengarah Eksekutif Fima Metal Box sebelum menyertai Perbadanan Kemajuan Negeri Kedah dan mengetuai organisasi tersebut sebagai Ketua Pegawai Eksekutif dari tahun 1993 hingga 1996. Kemudian beliau berkhidmat sebagai Pengarah Urusan di Kulim Teknologi Park Corporation dari 1994 hingga 1996 dan pada masa yang sama, turut dilantik menyandang jawatan Pengerusi Eksekutif di Bina Darulaman Berhad hingga tahun 1997. Datuk Mohd. Hashim menyertai Putrajaya Holdings Sdn. Bhd. sebagai Ketua Pegawai Eksekutif dan Pengarah pada tahun 1996 dan dilantik sebagai Pengerusi syarikat tersebut pada tahun 2002. Pada masa yang sama, beliau memegang jawatan Timbalan Pengerusi KUB Malaysia Bhd. Beliau dilantik sebagai Pengerusi Padiberas Nasional Berhad dari 2004 hingga 2006. Dari tahun 2005 hingga 2008, beliau adalah ahli panel pelaburan Lembaga Kumpulan Wang Simpanan Pekerja (KWSP) dan seterusnya menjadi Ahli Lembaga Pengarah bagi KWSP.

    Selain berkhidmat dengan Bank Rakyat, Datuk Mohd. Hashim juga menyandang jawatan Pengarah di Lebar Daun Berhad, Amanah Raya Berhad, Pembinaan BLT Sdn. Bhd., Pengerusi Amanah Raya Development Sdn. Bhd. dan Juta Asia Properties Sdn. Bhd. Pada Mei 2008, Datuk Mohd Hashim dilantik sebagai Pengerusi Export-Import Bank of Malaysia Berhad (EXIM Bank).

    Datuk Mohd Hashim Hassan, a Malaysian aged 64, was appointed to the Board of Bank Rakyat since 16 January 2003. He possesses a Bachelor degree in Agricultural Science (Honours) from the University of Malaya, a Masters degree in Food Science from the Michigan State University, United States and a Masters degree in Business Administration from the Ohio University, United States.

    He has vast working experience with private as well as government linked corporations. Early in his career, Datuk Mohd Hashim worked with MARDI from 1970 to 1985 as a Food Technology Officer and later Principle Research Officer and Director of the Food Technology Division. He joined Kumpulan FIMA Berhad as its General Manager in 1985. In 1990, Datuk Mohd Hashim was appointed as the Executive Director of Fima Metal Box before serving Kedah State Development Corporation in 1993 to 1996 as its Chief Executive Officer. Subsequently, he was appointed the Managing Director of Kulim Technology Park Corporation from 1994 to 1996 and at the same time, was appointed the Executive Chairman of Bina Darulaman Berhad till 1997. Datuk Mohd Hashim joined Putrajaya Holdings Sdn. Bhd. as its Chief Executive Officer and Director in 1996 and was appointed Chairman of the company in 2002 and at the same time, was appointed as Deputy Chairman of KUB Malaysia Berhad. He was also appointed as Chairman of Padiberas Nasional Berhad from 2004 to 2006. He was on the investment panel and the Board of Director from 2005 until 2008 for the Employees Provident Fund Board.

    Besides serving Bank Rakyat as its Director, Datuk Mohd Hashim is also a Director of Lebar Daun Berhad, Amanah Raya Berhad, Pembinaan BLT Sdn. Bhd., Chairman of Amanah Harta Sdn. Bhd. and Juta Asia Properties Sdn. Bhd. In May 2008, Datuk Mohd. Hashim Hassan was appointed as the Chairman of Export- Import Bank of Malaysia (EXIM Bank).

    Datuk Mohd. Hashim HassanPengarah/Director

    48Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • Dato Dr. Syed Hussain Syed Husman, warganegara Malaysia berusia 52 tahun, dilantik menganggotai Lembaga Pengarah Bank Rakyat pada 1 April 2006. Beliau berkelulusan Diploma Pengajian Perniagaan dari Universiti Teknologi Mara, Ijazah Sarjana Muda Pengajian Perniagaan dari Western Illinois University, Amerika Syarikat, Ijazah Sarjana Pentadbiran Perniagaan, juga dari universiti yang sama, Diploma Perhubungan Perindustrian, Institute of Personnel Management dan Doktor Falsafah Perhubungan Buruh dari Warnborough University, London, United Kingdom.

    Dato Dr. Syed Hussain memulakan kerjayanya pada tahun 1987 di ICI/CCM Malaysia sebagai Pengurus Perjawatan. Beliau menyertai Procter & Gamble (P&G) pada tahun 1992 sebagai Pengarah, Sumber Manusia dan Hal Ehwal Luar dan turut terlibat dalam penubuhan FELDA Procter & Gamble yang merupakan kilang oleo-kimia terbesar di dunia menggunakan minyak kelapa sawit. Pada tahun 1997, beliau dilantik sebagai Pengarah Sumber Manusia dan Hal Ehwal Keselamatan oleh Rothmans of Pall Mall (Malaysia) Berhad. Beliau turut menyumbang kepada kejayaan syarikat tersebut dalam mencapai beberapa anugerah seperti MRP II Class A, ISO9002 dan ISO14002, dan merupakan salah seorang daripada pasukan pengurusan yang menyatukan Malayan Tobacco Company (MTC) dan Rothmans of Pall Mall untuk membentuk British American Tobacco (BAT) Malaysia pada tahun 2000. Pada tahun 2006, beliau dilantik sebagai Pengarah Kumpulan Sumber Manusia, Komunikasi dan IT Ramunia Holdings Berhad dan menyertai Petrofield, Malaysia sebagai Pengarah Sumber Manusia dan Perkhidmatan Korporat pada 1 Jun 2008.

    Dato Dr. Syed Hussain telah menerima pelbagai anugerah bagi menghargai sumbangan dan dedikasi sepanjang kerjaya beliau, iaitu Darjah Indera Mahkota Pahang (DIMP), Pingat Masyarakat Cemerlang (PMC) Jaksa Pendamai (JP), Accredited Public Relation Practitioner (APR) dan HR Manager of the Year Award 1999 oleh Institut Pengurusan Sumber Manusia Malaysia dan Kementerian Sumber Manusia.

    Selain menganggotai Lembaga Pengarah Bank Rakyat, Dato Dr. Syed Hussain turut menjadi Ahli Lembaga Neigu Engineering dan Shipyard Sdn. Bhd. untuk PNS, SVT Resources Sdn. Bhd., BayTech Sdn. Bhd., Malaysian Employers Federation (MEF), Ahli Silih Ganti Majlis Pembangunan Kemahiran Kebangsaan dan MEF Academy Berhad.

    Dato Dr. Syed Hussain Syed Husman, a Malaysian aged 52 years old, was appointed to the Board of Bank Rakyat on 1 April 2006. He holds a Diploma in Business Studies from the Universiti Teknologi Mara, Bachelor in Business Administration from the Western Illinois University, United States, and Masters in Business Administration from the same university, a Diploma in Industrial Relations from the Institute of Personnel Management and a Doctor of Philosophy in Labour Relations from the Warnborough University, London, United Kingdom.

    Dato Dr. Syed Hussain started his career in 1987 when he first joined ICI/CCM Malaysia as the Personnel Manager. He joined Procter & Gamble, (P&G) in 1992 as Human Resources & External Affairs Director. He was involved in the establishment of FELDA Procter & Gamble, the world largest oleo-chemical plant using palm oil. In 1997, he was appointed by Rothmans of Pall Mall (Malaysia) Berhad as the Director of Human Resources and Security Affairs. He supported the company in achieving several awards such as MRP II Class A, ISO9002 and ISO14002 and was part of the leadership team that merged Malayan Tobacco Company (MTC) and Rothmans of Pall Mall to form British American Tobacco (BAT) Malaysia in 2000. In September 2006, Dato Dr. Syed Hussain was appointed as the Director, Group Human Resources, Communications & IT for Ramunia Holdings Berhad. Effective 1st June 2008, Dr. Syed join Petrofield, Malaysia as Human Resources and Corporate Services Director.

    Dato Dr. Syed Hussain has received numerous awards for his contribution and dedication towards his career, which include the Darjah Indera Mahkota Pahang (DIMP), Pingat Masyarakat Cemerlang (PMC), Jaksa Pendamai (JP), Accredited Public Relation Practitioner (APR) and HR Manager of the Year Award 1999 by Malaysian Institute of Human Resource Management and Ministry of Human Resource.

    Presently, Dato Dr. Syed Hussain sits as a board member of Bank Rakyat, Neigu Engineering and Shipyard Sdn. Bhd. for PNS, SVT Resources Sdn. Bhd., BayTech Sdn. Bhd., Malaysian Employers Federation (MEF), Alternate Member for National Skills Development Council and MEF Academy Berhad.

    Dato Dr. Syed Hussain Syed HusmanPengarah/Director

    49Laporan Tahunan Bank Rakyat Annual Report 2008

  • PROFIL LEMBAGA PENGARAHPROFILE OF THE BOARD OF DIRECTORS

    Ahmad Badri Mohd. Zahir, warganegara Malaysia berusia 49 tahun, dilantik menganggotai Lembaga Pengarah pada 1 September 2006. Beliau memegang Ijazah Sarjana Muda Pengurusan Hartanah dari Universiti Teknologi Mara dan Ijazah Sarjana Pentadbiran Perniagaan dari University of Hull, United Kingdom.

    Sebelum menyertai perkhidmatan awam, Ahmad Badri pernah bertugas sebagai Pegawai Penilai di WW (M) Sdn. Bhd. dari 1986 hingga 1989. Jawatan pertama yang beliau sandang semasa mula menyertai sektor awam pada tahun 1989 adalah sebagai Penolong Setiausaha di Kementerian Kewangan. Kemudian, beliau dilantik sebagai Penasihat Pengarah di Asean Development Bank, Manila pada tahun 1997 dan menyandang jawatan tersebut hingga tahun 2000.

    Sebagi Ahli Lembaga Pengarah, Ahmad Badri juga menganggotai Jawatankuasa Pemandu Projek Jalan Travers, Jawatankuasa Imbuhan, Jawatankuasa Pencalonan dan Jawatankuasa Pembiayaan.

    Kini, Ahmad Badri turut memegang jawatan sebagai Pengarah di Syarikat Prasarana Negara Berhad.

    Ahmad Badri Mohd. Zahir, a Malaysian aged 49 years old, was appointed to the Board of Bank Rakyat on 1 September 2006. He graduated with a Bachelor in Real Estate Management from Universiti Teknologi Mara and a Masters in Business Administration from the University of Hull, United Kingdom.

    Before joining the public sector, Ahmad Badri worked as a Valuer with WW (M) Sdn. Bhd. from 1986 to 1989. The first post he assumed when he joined the public sector in 1989 was as an Assistant Secretary at the Ministry of Finance. Subsequently, he was appointed to the post of Advisory Director of Asean Development Bank, Manila in 1997 and held the post until 2000.

    As a member of the Board, Ahmad Badri also sits on Jalan Travers Project Steering Committee, Remuneration Committee, Nomination Committee and Financing Committee.

    Now, Ahmad Badri is also a Director of Syarikat Prasarana Negara Berhad.

    Ahmad Badri Mohd. ZahirPengarah/Director

    50Laporan Tahunan

    Bank RakyatAnnual Report

    2008

  • Dato Mohd. Hashim Abdullah, warganegara Malaysia berusia 55 tahun, dilantik sebagai Ahli Lembaga Pengarah Bank Rakyat pada 8 Januari 2007. Beliau memegang Ijazah Sarjana Muda Sastera (Kepujian) dalam jurusan Pengajian Asia Tenggara dari Universiti Malaya, sijil menyertai Program Executive Development in Banking (DEB) oleh Bank Negara, Diploma Pengurusan Awam dari INTAN serta Ijazah Sarjana Sains Politik dari Universiti Kebangsaan Malaysia pada tahun 2001. Pada tahun 2004, Dato Mohd. Hashim mengikuti Kursus Penciptaan dan Pengurusan di AECI dan CECO Madrid, Sepanyol.

    Dato Mohd. Hashim memulakan kerjaya sebagai eksekutif di Chartered Bank selama lebih kurang setahun. Beliau kemudian diterima memasuki perkhidmatan kerajaan di Dewan Bandaraya Kuala Lumpur sebagai Pegawai Tadbir pada tahun 1980 sehingga 1983 dan kemudian menyertai Perkhidmatan Tadbir dan Diplomatik pada tahun 1983. Sejak itu, beliau telah berkhidmat dalam pelbagai kapasiti di beberapa kementerian dengan menyandang jawatan seperti Penolong Setiausaha di Bahagian Pentadbiran dan Kewangan, Kementerian Perusahaan Awam pada tahun 1984, Penolong Setiausaha, Cawangan Istiadat di Jabatan Perdana Menteri pada tahun 1986, Setiausaha Sulit Kanan kepada Menteri Belia dan Sukan pada tahun 1990 dan Setiausaha Sulit Kanan kepada Menteri Pembangunan Luar Bandar pada tahun 1993 hingga 1999. Di Kementerian Pembangunan Usahawan dan Koperasi, beliau pernah berkhidmat sebagai Ketua, Penolong Setiausaha di Bahagian Perancangan dan Penilaian pada tahun 2002, Setiausaha Bahagian di Bahagian Pembangunan Perniagaan pada tahun 2004 dan Timbalan Ketua Setiausaha (Pembangunan) pada Mei 2007. Beliau merupakan Timbalan Ketua Setiausaha (Usahawan) dari 2 November 2007 hingga kini.

    Sebagai ahli Lembaga Pengarah, Dato Mohd. Hashim turut menganggotai Jawatankuasa Pencalonan dan Jawatankuasa Pembiayaan.

    Dato Mohd. Hashim Abdullah, a Malaysian aged 55, was appointed to the Board of Bank Rakyat on 8 January 2007. He completed his Bachelor of Arts (Honours) degree majoring in South East Asia Studies at the University of Malaya, Certificate of participation for the Executive Development in Banking Program from Bank Negara, Diploma in Public Administration from INTAN in 1984 and Masters degree in Political Science from Universiti Kebangsaan Malaysia in 2001. In 2004, Dato Mohd. Hashim enrolled into Creation and Management Course at AECI and CECO in Madrid, Spain.

    Dato Mohd. Hashim began his career as an executive at Chartered Bank for about one year. Subsequently, he was accepted into the government service when he joined Kuala Lumpur City Hall as its Administrative Officer in 1980 to 1983. He then joined the Administrative and Diplomatic Service in 1983. Since then, he served in various departments and ministries; assuming positions ranging from Assistant Secretary at the Administration and Finance Division, Public Industries Ministry in 1984, Assistant Secretary at the Ceremonial Branch of the Prime Ministers Department in 1986, Senior Private Secretary to the Minister of Youth and Sports in 1990, Senior Private Secretary to the Minister of Rural Development in 1993 until 1999. At the Ministry of Entrepreneur and Cooperative Development, he has served as Principal Assistant Secretary of Planning and Evaluation Division in 2002, Under Secretary at the Business Development Division in 2004 and Deputy Secretary General (Development) in May 2007. He is the Deputy Secretary General (Entrepreneur) from 2 November 2007 till now.

    As a member of the Board, Dato Mohd. Hashim also sits on Remuneration Committee and Financing Committee.

    Dato Mohd. Hashim AbdullahPengarah/Director

    51Laporan Tahunan Bank Rakyat Annual Report 2008

  • PROFIL LEMBAGA PENGARAHPROFILE OF THE BOARD OF DIRECTORS

    Dato Zainuddin Haji Abdul Rahman, warganegara Malaysia berusia 59 tahun, dilantik sebagai Ahli Lembaga Pengarah Bank Rakyat pada 1 Ogos 2007. Beliau menamatkan pengajian Ijazah Sarjana Muda Sastera (Hubungan Antarabangsa) dari Universiti Malaya pada tahun 1974 dan Ijazah Sarjana Analisis Dasar Awam dari University of Wisconsin, Amerika Syarikat pada tahun 1983.

    Dato Zainuddin adalah bekas pegawai kerajaan yang mempunyai pengalaman luas dan pernah memegang pelbagai jawatan di Jabatan Perdana Menteri (JPM) sebelum mengakhiri perkhidmatan beliau di Jabatan Pembangunan Koperasi. Beliau mula bertugas di JPM pada tahun 1974 sebagai Pegawai Tadbir Diplomatik di Bahagian Penyelarasan, Pelaksanaan dan Kemajuan Pentadbiran. Dari tahun 1979 hingga 1981, Dato Zainuddin menyandang jawatan Ketua Penolong Pengarah Seksyen Pengesanan Projek di Jabatan yang sama. Pada tahun 1983, beliau dilantik sebagai Ketua Penolong Pengarah (Perkhidmatan Komputer) di Unit Perancangan Ekonomi (UPE), JPM dan kemudian menyertai Seksyen Bantuan Luar dan Pentadbiran Am sebagai Ketua Penolong Pengarah pada tahun 1985. Antara jawatan lain yang pernah disandang di UPE termasuk Ketua Penolong Pengarah Seksyen Penswastaan pada tahun 1992, Pengarah Seksyen Pembangunan Perindustrian pada tahun 1999, Pengarah Seksyen Pembahagian pada tahun 2000 dan Pengarah Jawatankuasa