EXECUTIVE SUMMARY

This report had been written by group of student from University College of NUR iploma in
Marketing. The aim it present is to investigate the different financial between companies
which it has different sector. On this report, we will find out how to calculate financial and
to find the higher profits between these companies as easier for making the investment
decision.

The two companies which is chosen by us is CIMB GROUP HOLDINGS BERHAD AND AMMB
HOLDING BERHAD(AMBANK GROUP), as our investigate target on this report. CIMB GROUP
Holding Berhad operating in high growth economies in Asean. CIMB Group is an indigenous
ASEAN investment bank. AMMB Holding Berhad also one of the largest banking group in
Malaysia whose core businesses are retail banking, wholesale banking, Islamic banking and
life and general insurance. These two companies had been post on Bursa Malaysia.
INTRODUCTION TO CIMB GROUP HOLDINGS BERHAD

CIMB Group Holdings Berhad (MYX: 1023) is a Malaysian universal bank

headquartered in Kuala Lumpur and operating in high growth economies in
ASEAN. CIMB Group is an indigenous ASEAN investment bank. CIMB has a wide
retail branch network with 1,080 branches across the region.[3]

The group operates under several entities, which include CIMB Investment
Bank, CIMB Bank, CIMB Islamic, CIMB Niaga, CIMB Securities International and
CIMB Thai. The group's business activities are primarily in the areas of
Consumer Banking, Wholesale Banking, comprising Investment Banking and
Corporate Banking, Treasury & Markets, and Group Strategy & Strategic
Investments, with its core markets being Malaysia, Indonesia, Singapore and
Thailand. CIMB Islamic operates in parallel with these businesses, in line with
the group's dual banking model.[4][5]

The group has over 40,000 employees located in 18 countries, covering ASEAN
and major global financial centres, as well as countries in which its customers
have significant business and investment dealings.[6]

The group's geographical reach and its products and services are
complemented by partnerships. Its partners include the Principal Financial
Group, Bank of Tokyo-Mitsubishi UFJ, Standard Bank and Daewoo Securities,
among others.
 INTRODUCTION TO AMMB HOLDINGS BERHAD

AMMB Holdings Berhad (AMBANK 1015) is one of the largest banking groups in
Malaysia whose core businesses are retail banking, wholesale banking, islamic
banking, and life and general insurance.[2]

The group trades under a number of brands, including AmBank, AmInvestment

Bank, AmInvest, AmBank Islamic, AmGeneral Insurance and AmMetLife.
AmBank, its key brand, covers its retail and wholesale banking businesses and
is supported by a network of 175 branches and 766 ATM machines in Malaysia
(as stated in its website).

AmBank Group was founded in 1975 as Arab-Malaysian Development Bank by

Hussain Najadi, the Founder.

Tan Sri Azman Hashim, the current group chairman, has an interest of 14.01%
in AMMB Holdings as at 30 June 2014. The single largest shareholder in AMMB
Holdings is Australia's ANZ Group with an interest of 23.78% as at 30 June
2014.[3]:369 In 2006, Amcorp's interest in AMMB was reduced to 18.8% from
32.9% after the Tan Sri Azman sold 300 million shares to ANZ Group.
 CONCLUSION

We decided to choose
 2018 2019

1) Current Ratio
=Current Assets
Current Liabilities

2) Quick Ratio
= Current Assets –Inventory
Current Liabilities

3) Inventory Turnover
= Costs of goods sold
Closing stock

4) Receivable Turnover
= Credit sale
Account receivable

5) Total assets turnover

= Sales
Total assets

6) Debt ratio
= Total debt
Total assets

2018 2019

RM 000 RM 000
 Rm 000 Rm 000

7)Debt of equity ratio

= total debt
equity

8)Times interest earned

= Operating profits
Interest expenses

9)Net profit margin

=Net profit sales

10)Return on assets
=Net profits
Total assets

11)Return of equity
=Net profits
Total equity

2018 2019
 2018 2019
RM 000 RM OOO
1)Current Ratio
=Current Asset
Current liability
2)Quick Ratio
=Current Assets –
Inventory
Current Liability
3)Inventory Turnover
=Cost of goods sold
Closing inventory
4)Receivable Turnover
=Credit Sales
Account receivable
5)Total Assets Turnover
=Sales
Total Assets
6)Debt Ratio
=Total Debt
Total Assets
 RM OOO RM 000
7)Debt to equity ratio
=Total Debt
Total equity
8)Times interest earned
=Operating profits
Interest expences
9)Net profits margin
10)Return on assets
=Net profits
Total assets
11)Return of equity
=Net profits
Total equity
GRAPH RATIO FOR …….. AND………

CURRENT RATIO
On the table shown current Ratio of……2018, While at the year of 2019 is …..
other hand ……. Current Ratio on 2019 is …

Quick Ratio
Quick ratio of 2018 is …. And the year of 2019 is …. While ….on 2018 is ….and
on 2019 is ….
 Inventory turn over

At the year of 2018 the Turnover of is ……… times while at the year of 2019…..
…….. Turnover on 2018 is …….. on 2019 ………

Receivable turnover
…. Receivable turnover at the year of 2018 is……. 2019 is …. ….. on 2018

Total assets turnover

 Debt ratio

Debt equity ratio

Times interest earned

Net profit margin

Return on assets

Return on equity
 RESULT AND DISCUSSION

RATIO
CURRENT RATIO
QUICK RATIO
INVENTORY TURN OVER
RECEIVABLE TURNOVER
TOTAL ASSETS TURNOVER
DEBT RATIO
DEBT TO EQUITY RATIO
TIMES INTERST EARNED
NET PROFITS MARGIN
RETURN ON ASSETS
RETURN ON EQUITY

Conculusion

As the conclusion we devide to choose……. As our investment target.In this

result we can see that……… has a higher protability compared to ……..that had
faced losses. ……. Does not has to bear higher expences in their business as…...