Dear Stakeholders,

Despite ongoing uncertainties, AmBank Group achieved an exceptional upswing in our performance this year, driven by strong foundations as well as the dedication of our people. 

Since the onset of the pandemic, we have been intensifying our digital efforts. We enhanced digital touchpoints to continue meeting customers’ banking needs amidst a new normal. Internally, we deployed digital solutions to drive process efficiencies towards improved cost savings and better business performance. By accelerating our digital initiatives, we emerged from the pandemic as a more dynamic and resilient bank. 

Our digital transformation is underpinned by a commitment to creating sustainable value for stakeholders, from enhancing customer experience to generating greater returns for shareholders. This commitment drives all our strategic decisions. Coming from a stronger position this year, we continued to do our part in helping the nation navigate the financial consequences of the pandemic-induced recession. As a result, we achieved record-breaking loan growth, exceeding the industry average. This is a testament to the trust that customers have for AmBank. 

In further growing this trust, we have also made significant progress in our sustainability agenda. We are proud to publish our first AmBank Group Sustainability Report, which elaborates on our Environmental, Social and Governance (ESG) performance and contributions toward a more sustainable future.

Overall, our strong performance this year reflects the disciplined execution of our purpose-driven strategy, as we continuously strive to create positive impacts that benefit current and future stakeholders.