For business. For growth. For life. KDN No : PP18554/09/2014(033986) - Vol.

SME BANK UPWARD MIGRATION & ACCELERATION

corporate
Happenings

CONTRACTORS OF PAN
BORNEO HIGHWAY PROJECTS
RECEIVE SUPPORT FROM
SME BANK

SME Banks Corporate Launching of

Responsibility Programme
Back to School i-SMART
issues of
Fintech Adoption
Interest Globally and in Asean
Region
 Editorial
Team CONTENTS

Advisor

3
Datuk Mohd Radzif Mohd Yunus

Executive Editor
Khairil Anuar Mohammad Anuar From the
Desk of
Editor GMD
Abdul Latiff Puteh

Contributors
Saripah Radziah Sayed Hamid 04 i-SMART, Anjakan 09 SME Banks Corporate
Sarah Hanis Abdullah Sani Paradigma PKS Bumiputera Responsinility Programme
Hayati Abu Seman 05 Contractors of Pan Borneo corporate - Back to School Campaign

4
Asrin Aspuri Highway Projects Receive Happenings 16 Piala Datuk Radzif 2017
Support From SME Bank 18 Cabaran Kerapu Harimau
Photographer
Wan Badaru Sukry Wan Abdullah

Published By 06 MINDLAB Series Survival 15 Peluang Memulakan

Instincts in Business
CEDAR

6
Perniagaan dan
Empowering Women Panduan untuk
Entrepreneurs Usahawan

Small Medium Enterprise Development

Bank Malaysia Berhad (49572-H)
Menara SME Bank, Jalan Sultan Ismail
Tel: +603 2615 2020 Fax: +603 2698 1748 07 Karnival Kewangan enterprise

7
Call Centre : 1800 88 3131 Trails
www.smebank.com.my

No. Permit KDN: PP18554/09/2014 (033986)

8 corporate
Visit

11 Fintech Adoption
issues of

11
Globally And In
Asean Region Interest

Assalamualaikum warahmatullah hiwabarakatuh and Salam 1SME Bank
Dear Readers,
T
he first three months of 2017 have been
an eventful period for SME Bank. From the
moment we celebrated the new 2017, the Bank
went into an autodrive mode with various activities
and happenings in our effort to deliver the mandate
of nurturing and developing the SME entrepreneurs.
The Banks digitalization efforts continue with the
introduction of the Book Your Banker (BYB) facility
which is accessible through the SME Banks mobile
app. This feature will enable entrepreneurs who are
always on the go to make appointment with SME
Banks officer at a branch of their choice to discuss
further on how SME Bank can assist them either with
financing or in the area of entrepreneur development.
In addition, SME Bank has also introduced an
online gateway specially for Pan Borneo Highway
contractors. This feature functions as a screening
process to determine the eligibility of the contractors
or vendors who are interested to apply for financing
from SME Bank.
In delivering the promise made by the Prime Minister
during the Budget Announcement of making
2017 as the Start Up and Promotion Year of SMEs,
the Bank continues with its outreach programme
with the Mini XCESS series being held at seven
selected locations nationwide. In addition, the Bank
organised two exclusive outreach programmes with
the contractors and vendors of the Pan Borneo
From the
Desk of
GMD
Projects in Sabah and Sarawak. SME Bank stepped
up its effort in supporting the SME entrepreneurs
by introducing the exclusive i-SMART programme
with the goal of creating champions amongst the
selected entrepreneurs. This was followed by the
yearly national level outreach programme that is SME
Bank XCESS 2017. In addition, the Bank introduced
a dedicated program to encourage the younger
generation entrepreneurs in e-business through its
BID-it (Business In Digital-IT) Programme.
The Banks relentless efforts in developing the
nations SMEs have resulted in us being accepted
as a member of The Montreal Group, an exclusive
global forum for state-owned development banks
focusing on assisting micro, small and medium-sized
enterprises. Founded in 2012 by seven members with
a total estimated combined assets of USD2 trillion,
TMG was established to encourage exchange of ideas,
best practices and foster greater understanding of
the international market for the growth of SMEs.
We will capitalise on this membership to gain more
exposure, knowledge and experience in our effort to
deliver the mandate of nurturing and developing our
SMEs.
Thank you.
Datuk Mohd Radzif Mohd Yunus
Group Managing Director
SME Bank Group
 corporate
happenings

4
tinggi dan seterusnya membantu
mencapai sasaran 41% sumbangan
PKS Kepada KDNK.

Majlis pelancaran i-SMART telah

disempurnakan oleh YB Dato
Sri Mustapa Mohamed, Menteri
Perdagangan Antarabangsa dan
Industri (MITI) pada 24 Februari 2017
di Kuala Lumpur.

Untuk permulaan, seramai 7

pelanggan SME Bank telah
menerima surat tawaran untuk
mengikuti program i-SMART setelah
mereka dipilih melalui proses saringan
yang ketat. Secara keseluruhannya,
program i-SMART akan melibatkan
20 syarikat terpilih. Program i-SMART
merupakan satu program lengkap
yang merangkumi tiga komponen
utama iaitu membantu usahawan
menganjak perniagaan ke tahap global
melalui pengurusan kewangan yang
efektif, pembangunan kapasiti dan
bantuan pemudah cara (facilitation
assistance).

SME BANK UPWARD MIGRATION & ACCELERATION

Anjakan Paradigma
PKS Bumiputera
S
ME Bank dengan kerjasama
Kementerian Perdagangan
Antarabangsa dan Industri
(MITI) telah melancarkan satu lagi
program baharu, i-SMART (SME Bank
Upward Migration and Acceleration
program) bagi melahirkan usahawan
Bumiputera yang berwibawa dan
mampu meningkatkan tahap ekonomi
dan nilai sosial masyarakat. Program
i-SMART merupakan cetusan daripada
Skim Anjakan Usahawan yang telah
dilancarkan oleh YAB Perdana Menteri
semasa pembentangan Bajet 2016.
MITI telah memperuntukkan dana
berjumlah RM60 juta untuk membantu
usahawan Bumiputera meningkatkan
taraf perniagaan ke tahap yang lebih
 corporate
happenings

G
1 to G7 class contractors and

Contractors of vendors of the Pan Borneo

Highway (PBH) projects in
Sabah and Sarawak have been given a

PAN BORNEO
timely financial support by SME Bank
to ensure they are able to deliver the
contracts as scheduled.

HIGHWAY PROJECTS
The special financing package
includes 15% early disbursement
from their overall approved financing
amount as a mobilisation cost. In

Receive Support fromaddition, SME Bank also introduced an

online screening process to determine
the eligibility of the contractors or

SME BANK
vendors who are interested to apply
for financing from SME Bank. This
is one of SME Banks initiatives to
improve our service delivery and it
is a part of SME Banks digitalization
efforts.

SME Bank had organised two

dedicated outreach programmes
for the PBH project contractors and
vendors. The Kuching PBH outreach
programme was officiated by YB
Dato Sri Haji Fadillah Bin Haji Yusof,
Minister of Work on 7 February 2017
while the Kota Kinabalu PBH outreach
programme was officiated by YB
Datuk Seri Panglima Michael Asang,
Assistant Minister of Finance, Sabah
on 28 February 2017. A total of 153
contractors and vendors attended
and benefited from these events.
CEDAR
T
he Centre for Entrepreneur
Development and Research
(CEDAR) held its 5th MindLab
Series with the theme Empowering
Women Entrepreneur on 14th March,
2017 at Menara SME Bank, Kuala
Lumpur. The programme which
coincided with the International
Womens Day was attended by
more than 60 participants
comprising women non-government
organisations, winners of Skim
Usahawan Permulaan Bumiputera
(SUPERB), SME Banks customers and
government agencies.
Survival Instincts in
Business Empowering
Women Entrepreneurs
Dato Hazimah Zainuddin the (Group grasped the speakers experiences in
Managing Director of Hyrax Oil Sdn leveraging their survival instincts in
Bhd), a manufacturer of petroleum business.
derivatives with a vast customer base
worldwide and Puan Ili Zawani Dato
Ismail (Managing Director of Naturalife
Solution Sdn Bhd), distributor and
retail owner of Farmasi Colour
Cosmetics, an international brand
beauty and health products shared
with the participants on how to survive
in an environment of competing
business cultures, diverging values
and challenging landscapes and
 enterprise
trails

Karnival Kewangan anjuran

Bank Negara Malaysia
Datuk Mohd Radzif Mohd
Yunus, Pengarah Urusan
Kumpulan SME Bank turut
dijemput menjadi salah
seorang ahli panel bagi
segmen Bual Bicara PKS.
Selain itu, SME Bank juga
telah membuka gerai
pameran bagi memberikan
khidmat nasihat pembiayaan
kepada usahawan PKS dan
juga orang ramai. Karnival
ini telah dirasmikan oleh

B
YB Datuk Johari bin Abdul
uat pertama kali, Bank Negara
Ghani, Menteri Kewangan II.
Malaysia (BNM) dengan kerjasama
institusi kewangan telah
menganjurkan Karnival Kewangan bagi
mendidik orang ramai mengenai hal-
hal kewangan. Karnival bertemakan,
Utamakan Keperluan Kewangan
Anda ini telah berlangsung di Pusat
Dagangan Dunia Putra (PWTC) pada
13 hingga 15 Januari 2017 yang lalu.

Lebih 100 penyedia perkhidmatan

kewangan, persatuan dan agensi telah
menawarkan pelbagai perkhidmatan
dan produk kewangan untuk keperluan
yang berbeza. Ini termasuk perkhidmatan
kaunseling kewangan, produk dan
perkhidmatan untuk simpanan,
pembiayaan, pelaburan, insurans /
takaful, pembayaran dan kiriman
wang. Lebih 22,000 pengunjung telah
hadir dan lebih 1,800 transaksi bagi
pembiayaan, deposit dan insurans
bernilai RM155.7 juta telah direkodkan.
corporate
visit

Corporate Visit

23 February 2017 - 27 February

Courtesy Visit by 2017 - Visit
France Trade By Saudi
Commission SME Council
and BPI France

27 February 2017 3
March 2017 - Visit by
Citizen Entrepreneurial
Development Agency
(CEDA), Botswana

10 March 2017 -
Educational visit by
Politeknik Kota Bharu

13 March 2017 - Visit

by H.E. Dr. Khamlien
Pholsena, Vice
Minister of Planning
and Investment, Lao
Peoples Democratic
Republic (Laos)
 corporate
happenings

SME Banks Corporate

Responsibility Programme
Back to School Campaign
A
total of 285 students received
school bags and stationeries
from SME Bank in conjunction
with the starting of 2017 school term.
Held annually, it is one of the Banks
Corporate Responsibility Programmes,
with the objective of boosting their moral
and motivate them to do better in their
studies. The school bags and stationary
were given to orphans and the less
fortunate children from poor families.

Rumah Kasih
Nurul Hasanah, Ampang,
Selangor

Sekolah Keb. Sabur,

Pulau Banggi,
Kudat, Sabah
 corporate
happenings

10

Sekolah Kebangsaan Subang,

Sekolah Keb. TTDI Jaya, Selangor
Shah Alam, Selangor

Sekolah Keb. Padang Jawa,

Shah Alam, Selangor

Sekolah Keb. Bukit Subang,

Shah Alam, Selangor
 issues of
interest

11

FINTECH ADOPTION
GLOBALLY AND IN ASEAN
REGION
F
inTechs are moving in on the Based on EY survey on Fintech the highest rate of FinTech use of
traditional financial services Adoption Index, about 15.5% of all markets surveyed at 29.1%. This
landscape and their products digitally active consumers have used is followed by The United States as
and services are catching on. As at least two FinTech products within the second-highest adoption rate at
such, the traditional financial services the first half of 2016. As awareness 16.5%, Singapore (14.7%), the United
companies including banks, insurers of the availability of the products Kingdom (14.3%), Australia (13%) and
and wealth and asset management and services increases, the adoption Canada (8.2%).
companies should perceive the risk of rates could double within the year.
disruption as real. Based on the survey, Hong Kong has

Australia 13.0%

Canada 8.3%
Hong Kong 29.1%

Singapore 14.7%
UK 14.3%
US 16.5%
Average adoption 15.5%

FinTech adoption
at a glance EY
FinTech Adoption Index

15.5%
issues of
interest

12

T
he survey also revealed that
17.6%
16.7%
the most used FinTech services
centered on money transfers or Money transfer/
payment involving use of non-banks payments Savings/
to transfer money, online foreign such as...
Use of non-banks to transfer money
investment
exchange and overseas remittances. Online foreign exchange
such as...
Online stockbroking/spreadbetting
On top of this, 16.7% of the digitally Overseas remittances Online Online budgeting/planning
active customers use Fintech services Online investments
for saving and investment such as Equity and rewards crowfunding P2P
online stockbroking or spreadbetting,
online budgeting and planning, online Percentage of
investments, equity and rewards
digitally active
crowdfunding and peer-to-peer
lending. The rest of customers also customers who
focus on insurance and borrowing via have used each
P2P websites. product
Based on as survey by PwC on Global
Fintech Report, among the most
industries that will be most disrupted
7.7%
insurance

5.6%
by FinTech over the next 5 years such as...
include banking and capital markets, Car insurance using
telematics
asset and wealth management, Borrowing
Healthcare premium
insurance/reinsurance and fund aggregators such as...
Borrowing via P2P
transfer and wealth management. websites

Areas of disruption

Which part of the financial sector is likely to be the most disrupted by FinTech over the next 5 years? - All industries

Consumer banking and fund transfers & Banking and capital markets
payments are likely to be the most disrupted
80% sectors by 2020
Asset and wealth management

70% CARD
Insurance/Reinsurance
0004 0005
0002 0003

0004
0002 0003

60%
CARD
Fund transfer and payments
0004 0005
0002 0003

0004
0002 0003

50%

40%

30%

20%

10%

0%

Consumer Fund transfer & Investment & SME banking Brokerage Property & Commercial Insurance Market Fund Investment Reinsurance
banking payments wealth services casualty banking intermediary operators & operators banking
management insurance/Life exchanges
insurance
Source: PwC Global FinTech Survey 2016

Fintech in Southeast Asia
F
inTech seems to be presence in
the Southeast Asia from 2009
onwards. The breadth and depth
of solutions across FinTech is quite
impressive and clearly signifies that
the Southeast Asian digital revolution
has arrived in the financial services
sector. Singapore, the FinTech hub
in Southeast Asia, is reinventing
itself as a FinTech leader with strong
support from the regulators. As a
part of Singapores plan to become
the worlds first smart nation, several
initiatives have been introduced to
fostering the FinTech sector and build
a Smart Financial Center.
Other countries in the region such
as Thailand, Indonesia and Malaysia
are seeing rapid advancements
when it comes to their economies due
the sheer size of their populations
and investments in technology
and infrastructure. Regulators in
these countries are supportive of
FinTech initiatives and are enhancing
regulations to facilitate the growth of
the FinTech ecosystem.
THAILAND
No of FinTech Starups 53+
Top 3 Biggest Sectors
Upcoming Sector
No of FinTech Starups
Top 3 Biggest Sectors
Upcoming Sector
SINGAPORE
No of FinTech Starups 270+
Top 3 Biggest Sectors
Upcoming Sector
issues of
interest
13
Malaysia: Fintech Adoption
The Malaysian government, in whose responsibilities include
collaboration with the New South formulating and enhancing regulatory
Wales government, initiated an policies to facilitate the adoption of
accelerator through the Malaysian technological innovations in Malaysia.
Global Innovation and Creativity FTEG will also serve as the banks
Centre (MaGIC) in April 2016 to contact point for any FinTech-related
develop the growth and innovation of queries. Among top sectors in Malaysia
the countrys FinTech sector. MaGIC with presence of FinTech includes
as the accelerator of the program payments, online funding platforms,
provides an incentive to encourage InsurTech (Insurance Technology) and
international players to participate in with emerging sector in B2B banking
this program fosters greater cross- and payments. Examples of FinTech
border collaboration and helps startups in Malaysia include iMoney
participants become investor ready. Group, Billplz, SkolaFund, CrowdPlus,
SimplyGiving, Jirnexu, and Tune
Bank Negara Malaysia (BNM) is Insurance.
enhancing its regulations to facilitate
the development and adoption of
FinTech solutions by plans to introduce
a regulatory sandbox framework. The
financial institutions regulated by
the bank (financial institutions) and
FinTech companies may be granted
certain regulatory flexibilities to
experiment with FinTech solutions in
a production environment. In June
2015, BNM established a Financial
Technology Enabler Group (FTEG),
VIETNAM
Map Legend
No of FinTech Starups 33+
Payments
Top 3 Biggest Sectors
Lending
Upcoming Sector
Remittances
Cryptocurrency
Investments
Platform
InsurTech
Personal
MALAYSIA Finance
71+ Blookohsin
Online Funding
Platforms
B2B Banking &
Payments
INDONESIA
No of FinTech Starups 100+
Top 3 Biggest Sectors
Upcoming Sector
issues of
interest

14

Easy to set up an account

43.4%
More attractive rates/fees
15.4%
Access to different products and services
12.4%
Better online experience and functionality
11.2%
Better quality of service
10.3%
More innovative products than available from traditional bank
5.5%
Greater level of trust than the traditional institutions
1.8%
Total responses: 1,485

I
n the context of financial inclusion,
FinTech holds boundless potential.
As new tools and technologies are
developed, and old business models
are challenged, financial services
can be provided with greater speed,
accountability, and efficiency.
Access to financial products and
services is becoming more attainable
than ever, especially for consumers
that live in rural locations or regions
without the structures of a modern
economy. Not only can FinTech make
these products and services more
accessible, it can also make them more
affordable by lowering the cost of doing
business for the financial institution, a
savings which can be passed on to the
consumer. Availability of affordable
mobile phones and cellular networks,
and a world where no one is excluded
from the financial system may not be
that far out of reach.
FinTech solutions hold enormous
potential benefits to all business,
especially new and existing small
businesses. Small and medium sized
enterprises (SMEs) are crucial for
economic growth and jobs but some
can face difficulty in securing the
financing they need to survive and
prosper. FinTech can offer solutions
that are efficient and effective at
lower scale which will benefit small
businesses and provide them with
increased access to more diverse
funding options. Innovative FinTech
products can be better tailored to
the needs of small businesses. These
include marketplace (peertopeer)
lending, merchant and ecommerce
finance, invoice finance, online supply
chain finance and online trade finance.

Source:
EY Fintech Adoption Index, 2016
PWC: Global Fintech Report: How Fintech is shaping Financial Services

Peluang Memulakan Perniagaan
dan Panduan untuk Usahawan
K
erajaan Malaysia sangat
menggalakkan penyertaan setiap
peringkat masyarakat dalam
pembangunan ekonomi negara. Struktur
sokongan yang kukuh telah dibangunkan
dalam membantu usahawan menubuhkan
syarikat disamping menawarkan bantuan
pembiayaan, pengurusan dan pembangunan
perniagaan.
Jika anda telah membuat keputusan
untuk memulakan perniagaan, langkah
pertama yang anda harus ambil adalah
menyediakan pelan perniagaan. Ianya
sangat perlu dan bertujuan membantu
serta membimbing usahawan baru
dalam merancang perniagaan mereka.
Demi membantu usahawan kecil di
Malaysia, kerajaan juga telah menyediakan
peluang perniagaan dengan pelbagai
program sokongan dan insentif untuk
mengekalkan pertumbuhan usahawan
yang semakin pesat.
Terdapat pelbagai jenis pembiayaan
untuk usahawan. Dana ini boleh
didapati dalam bentuk geran, pinjaman
dan insentif untuk pelbagai sektor
perusahaan dan perindustrian.
Peluang-peluang baru untuk usahawan
yang ingin memulakan perniagaan kecil
melalui SME -Small Medium Enterprise
atau Usahawan Malaysia SMART SOHO
Small Office, Home Office.
Anda perlu rajin mengikuti
perkembangan tentang informasi
dan panduan usahawan yang banyak
terdapat di laman-laman web yang
diiktiraf. Disitu mereka sentiasa kemaskini
segala aktiviti dan peluang-peluang
perniagaan samaada besar atau kecil.
Panduan untuk Usahawan
Aliran Tunai
Perkara paling penting untuk
usahawan PKS adalah aliran tunai
(cashflow). Pengurusan aliran tunai
yang baik membolehkan anda
mempunyai wang tunai yang cukup di
tangan apabila anda memerlukannya.
Sediakan aliran tunai dan sentiasa
kemaskini sekurang-kurangnya
sebulan sekali. Ia membolehkan
anda menentukan keperluan tunai
perniagaan anda dalam usaha untuk
perniagaan terus berkembang maju.
Modal Mulakan Secara Kecil-kecilan
Apabila memasuki pasaran baru atau
mengeluarkan produk baru, Langkah
yang bijak ialah memulakannya secara
kecil- kecilan.
Ramai orang membuat kesilapan
bermula dengan modal yang
besar dan kemudian menyedari
mereka perlu membuat pelarasan
atau perubahan selepas beberapa
percubaan dan kesilapan. Ianya akan
merugikan anda.
Fokus
Fokus pada satu perniagaan yang
anda usahakan dan jadikan diri
anda seorang pakar dan tahu apa
yang anda niagakan serta berusaha
menaikkan jenama anda sendiri.
Jangan tamak! Ia adalah satu sebab
kenapa ramai usahawan yang
kecundang kerana terlalu cepat
fikir tentang keuntungan. Fikirkan
keuntungan jangkamasa panjang.
Bina Networking
Bina rangkaian network perniagaan
anda sebelum anda memerlukannya.
Hubungan dengan rakan-rakan
perniagaan juga penting. Simpan
rekod setiap orang yang anda jumpa.
Minta nasihat, bantuan dan sentiasa
berhubung dengan mereka.
Berkongsi idea dan pendapat dengan
rakan perniagaan salah satu cara anda
mengetahui lebih lagi tentang dunia
perniagaan.
Percaya Pada Diri Sendiri
Kepercayaan diri adalah perkara yang
terbesar yang harus ada pada diri
kita, dan ini sangat penting sekiranya
anda ingin berjaya. Kelilingi diri anda
dengan usahawan serta orang-orang
yang berilmu, berpegalaman dan
pelajari tip-tip usahawan dari mereka.
Sentiasa yakin dan percaya dengan
apa yang anda lakukan. Hasilnya,
kepada anda untuk menjadi salah
semua yang anda usahakan akan
berbaloi.
Kepercayaan diri adalah jambatan
antara impian dan impian itu akan
menjadi kenyataan.
CEDAR
15
Merancang Perniagaan
Dalam bidang perniagaan,
perancangan adalah satu perkara
yang sangat penting yang perlu
dilakukan oleh seorang usahawan.
Untuk menjadi usahawan berjaya,
kejayaan dan kegagalan perniagaan
adalah bergantung kepada keupayaan
dan perancangan individu tersebut.
Perancangan adalah juga penting
dalam menjalankan perniagaan yang
berjaya. Sebagai pemilik perniagaan
anda boleh mengelakkan masalah
sekiranya perancangan yang anda
buat lebih teratur dan lancar.
Pelan Peniagaan
Menulis pelan perniagaan yang
baik dapat membantu anda
membentangkan idea perniagaan
anda secara terperinci. Bentangkan
pelan kewangan, pemasaran, dan
idea-idea perniagaan secara ringkas
tetapi padat.
Ianya juga bertindak sebagai bahan
rujukan untuk perniagaan yang anda
rancang supaya anda tidak lupa
dan mempunyai panduan. Tanpa
pelan perniagaan ibarat anda akan
membuat perkara tanpa aturan yang
betul.
Kemahiran Memulakan Perniagaan
Usahawan adalah generalist, mereka
perlu tahu segala-galanya yang
berkaitan dengan perniagaan.Untuk
menjadi seorang usahawan berjaya
anda perlu tahu mengenai perakaunan,
pelaburan, jualan, pemasaran, operasi
dan pengurusan perniagaan secara
umum.Kerana kemahiran anda boleh
menjadi kekuatan atau kelebihan
daya saing untuk perniagaan anda.
Kebenarannya anda boleh berjaya
dalam mana-mana industri atau sektor
yang anda pilih. Cuma yang anda
perlukan adalah untuk memahami
keperluan pelanggan anda. Anda perlu
menambah inovasi untuk perniagaan
anda dan haruslah disokong oleh
kebolehan, minat, pelan perniagaan
yang baik supaya dapat memberi
pulangan yang tinggi dan kekal untuk
jangkamasa yang panjang.
Sekaligus dapat memberi peluang
seorang usahawan kecil di Malaysia
yang berjaya.
 corporate
happenings

16

Piala Datuk
Radzif 2017
W
arga SME Bank Audit, Divisyen Pengurusan Risiko
telah berkampung dan Pematuhan, serta Divisyen
di Sentosa Sports Pengurusan dan Pembangunan
Centre pada 25 Februari Syariah. Mereka telah membawa
2017 bagi menjayakan Hari pulang hadiah wang tunai bernilai
Sukan SME Bank Piala Datuk RM1,000.00 serta piala pusingan.
Radzif. Bertemakan High Naib juara dimengangi oleh Kontingen
Performance Through Tareq Ibn Ziyad yang dianggotai
Sports; seramai 600 oleh Kumpulan B Divisyen Enterpris
peserta yang mewakili dan Pembangunan Perbankan dan
10 kontingen bertanding membawa pulang pingat serta wang
dalam 5 acara iaitu tunai bernilai RM700.00. Manakala
futsal (Lelaki & Wanita), tempat ketiga dirangkul oleh
badminton (Lelaki & Kontingen The Force yang dianggotai
Wanita), pingpong oleh Pejabat Ketua Pegawai Operasi
(Lelaki & Wanita), dart Perbankan, SMEB Asset Management
(Lelaki & Wanita) dan
Sdn. Bhd. dan Divisyen Pengurusan
bola jaring.
Kredit yang membawa pulang pingat
serta wang tunai RM500.00.
Juara keseluruhan
dimenangi Kontingen
Acara sukan ini dimeriahkan lagi
Green Hornet yang
dengan kehadiran maskot-maskot
diwakili oleh Pejabat
yang menarik serta sorakan yang
Pengerusi SME
bersemangat dari setiap kontingen.
Bank, Divisyen
Tiga hadiah khas bernilai RM500
setiap satu telah diberikan sebagai
tanda penghargaan kepada kumpulan
yang telah memberikan sokongan dan
menunjukkan semangat kesukanan
terbaik. Kontingen Murasakino
Dragon yang diwakili oleh Pejabat
Ketua Pegawai Operasi & Pengurusan
Korporat Kumpulan dan Divisyen
Pengurusan Kewangan Kumpulan
dengan maskot naganya telah
mendapat hadiah Maskot Terbaik
manakala Kontingen The Force dengan
kostum Stormtroopers
telah mendapat hadiah
Kostum Kontingen
Terbaik. Juara Keseluruhan,
Kontingen Green Hornet
juga telah membawa
pulang hadiah Penyokong
Terbaik.
 corporate
happenings

17
 corporate
happenings

18

CABARAN
KERAPU HARIMAU

D
Lake Recreation and Fishing
Park, Klang menjadi gelanggang
pertarungan bagi kaki-kaki
pancing sejak jam 9.00 pagi bagi
mendapatkan ikan Kerapu Harimau
terbesar. Acara yang dianjurkan oleh
Kelab Sukan dan Rekreasi SME Bank
pada 11 Mac 2017 yang lalu telah
berjaya menarik minat seramai 69
orang kaki pancing dari kalangan staf
SME Bank termasuk dari cawangan
Kajang dan Pusat Wilayah Selangor.

Encik Khairunnajmi Muhammad dari

Pusat Wilayah Selangor telah berjaya
membawa naik ikan kerapu seberat
2.25kg dan berjaya merangkul Hadiah
Ikan Terberat dan membawa pulang
wang tunai bernilai RM500.00.
Encik Mohd Kholwi Khalid dari
Divisyen Enterpris dan Pembangunan
Perbankan dengan ikan Kerapu
Harimau seberat 900 gram telah
mendapat Hadiah Ikan Teringan
berupa wang tunai bernilai RM300.00.
Jabatan Informasi dan Teknologi
Kumpulan dengan penyertaan
seramai 18 orang telah mendapat
hadiah khas Penyertaan Paling Ramai
dan membawa pulang wang tunai
RM200.00.

Aktiviti ini merupakan salah

satu inisiatif untuk mengeratkan
silaturrahim antara staff SME Bank di
samping beriadah terutamanya di luar
waktu bekerja.