Affin Bank Berhad | Annual Report 2020

COVER	1
CONTENTS	4
ORGANISATION	6
Our Roadmap	6
About AFFIN BANK	7
Evolution of Our Logo	8
Key Highlights of 2020	10
Corporate Information	11
Corporate Structure	12
Group Organisation Structure	13
Message from the Chairman	14
Message from the President & Group CEO	20
Awards & Recognition	22
Directors Profile	30
Group Management Team	42
EXECUTIVE SUMMARY	54
Management Discussion & Analysis	54
Sustainability Statement	95
Five-Year Group Financial Summary	163
The Year At A Glance	166
CORPORATE GOVERNANCE	184
Corporate Governance Overview Statement	184
Statement On Risk Management and Internal Control	204
Group Board Audit Committee Report	212
FINANCIAL STATEMENTS	225
Directors’ Report	226
Statements of Financial Position	234
Income Statements	235
Statements of Comprehensive Income	236
Statements of Changes in Equity	237
Statements of Cash Flows	240
Summary of Significant Accounting Policies	243
Notes to the Financial Statements	269
Statement by Directors	423
Statutory Declaration	423
Independent Auditors’ Report	424
OTHER INFORMATION	484
Additional Disclosure	484
List of Properties	490
Directory of Branches	500
Analysis of Shareholdings	516
Notice of Annual General Meeting	518

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