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Call 03-2178 8888 or visit ambankgroup.com Exceptional Solutions for Exceptional People Exceptional Solutions for Exceptional People

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Page 1: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Call 03-2178 8888 or visit ambankgroup.com

Exceptional Solutions for Exceptional PeopleExceptional Solutions for Exceptional People

Page 2: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

E s s e n t i a l s

Page 3: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Your Most Valuable Asset

In today’s job market, attitudes toward work are

changing. Loyalty appears to be declining as employees

expect more and are willing to move on when they are

not happy. Failure to retain a top performer is costly. An

employer will have to bear the expense of finding a

suitable replacement and the investment in training

them, financially and time-wise. Also, the departure of

valuable personnel can give rise to lost knowledge and

low morale among those left behind. What’s more,

taking on a new employee is always risky. There is no

guarantee that they will be a good fit or perform to

expectations, let alone deliver results.

The most valuable resource of any organisation will

always be its employees. Any respectable employer will

agree that employees are even more valuable than

brand, customers, goodwill, physical resources or

product line. Your employees are indispensable to the

success and health of your business. After all, they are

the public face of the business and they represent the

company's knowledge, brand and reputation. Your best

employees are the ones you rely on to ensure customer

satisfaction and brand loyalty. They are the ones with

deep organisational knowledge and experience, and

whom you rely on to become mentors to their fellow

workers. They are also the ones you think of when

planning for effective succession within the

organisation. It makes perfect sense, therefore, for

businesses to make it their priority to retain key talents.

Page 4: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

host of privileges and benefits. As your partner in this

process, AmBank / AmIslamic Bank will take this

cumbersome task out of your hands while you nurture

and show your appreciation to those in your

organisation whom you value the most.

It is conventional wisdom that to sustain a motivated

workforce you have to develop, support and reward

them well. But what is often overlooked and critical to

employees’ retention is that, being human, your

employees need to feel valued. Looking out for your

employees' financial well-being, for example, by

ensuring that their salaries are paid on time, every time,

and directly into their accounts, goes a long way towards

making them feel appreciated. It may be a simple

gesture, but it has significant returns. Not only does it

build trust, people who feel cared for are often more

loyal and effective in their work. Based on this principle,

we have devised AmBank@work. It’s a solution which

ensures a smooth and effective delivery of

remunerations to your staff, and is also built-in with a

A Simple Gesture with Significant Returns

Page 5: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Imagine not having the stress of getting salaries paid on time again because it will all be taken off your hands. Imagine your employees no longer having to worry about making the right financial decisions because advice and support will always be available to them. AmBank@work is designed to take these challenges, leaving both you and your employees with the time and mental focus to making your business a success.

No minimum participation required

Increased financial benefits and personalised

services for your employees, at no cost to you

Freedom from time-consuming payroll

processing, allowing you to focus more on the

growth of your business

A choice of payroll management services which

ensures your employees' salaries are paid

directly into their accounts in a timely, accurate

and efficient manner

Zero or nominal payroll and administrative

cost, depending on your organisation's needs

and whether it is an AmBank / AmIslamic Bank

current account holder

Easy opening of AmBank / AmIslamic Bank

accounts at your business premises for

employees' convenience

What can offer your organisation?

The Best of Both Worlds:

Excellent Value For Your Business, Increased Employee Satisfaction

Page 6: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

An Array of Thoughtfully-Designed SolutionsIt couldn't be easier. Simply get your employees to open an AmBank / AmIslamic Bank deposit account and have their salary credited directly into this account. We'll take care of the rest.

Family First*

An all-in-one financial solution that gives HIGHER returns for consistent savings.• 10 Special Savings Accounts to earn higher return

than normal Savings Account• An Everyday Current Account to manage daily

transactions• EXCLUSIVE PRIVILEGES at selected merchants• Access to financial tools and tips at

familyfirst.com.my

Basic Savings & Current Accounts*

No-frill deposit accounts for transactional needs with flexible access to funds.

# Eligible for protection by PIDM.* Also offered by AmIslamic Bank.

AmStar Extreme

A market leading current account with extreme benefits and extreme convenience.• FREE 5 Online Inter-Bank Fund Transfers monthly• FREE 5 Cash Withdraws from any MEPS-linked

ATMs monthly• HIGH interest return on account balance• Optional checking facility

AmStar

A current account with both high interest and checking facility.• HIGH tiered daily interest on total balances• FREE “Ringgit-to-Ringgit” Personal Accident

Insurance Coverage

Whatever their banking needs, we have a wide range of deposit accounts# to suit your employees:

Page 7: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

A World of Advantages Beyond BankingFrom the moment their salaries are paid into their AmBank / AmIslamic Bank accounts, your employees will gain access to a selection of exclusive privileges and rewards.

What can offer your employees?When your employees’ salaries are paid into their AmBank / AmIslamic Bank deposit account, they willautomatically become eligible for all the privileges and rewards.

# Eligible for protection by PIDM.** All special rate discounts are only applicable for new financing applications and subject to favourable credit evaluation of financing applicants.

D e p o s i t A c c o u n t #

• Low initial deposit• Savings on fees• No introducer required for current account• Free standing instruction for transfer / payment to any AmBank / AmIslamic Bank financing accounts

P e r s o n a l F i n a n c i n g * *• Approved financing amount up to 5 times of fixed income salary• Quick Disbursement within 48 hours to meet your need• No collaterals or guarantor required• Low monthly payment• No processing Fee

A u t o F i n a n c i n g * *• Interest / Profit rate discounts for refinancing• Discounts on processing fees for refinancing• High margin for refinancing up to 100% (for vehicle less than 5 years) • Largest network (over 4,000) of appointed car dealers • Complete auto solutions• Fast approvals • Payment through monthly direct salary deduction

H o m e F i n a n c i n g * *• Interest / Profit rate discounts• Discounts on processing fees• High margin of financing up to 95% (including MRTA / MRTT)• Comprehensive house-related insurance / takaful packages• Payment through monthly direct salary deduction

C a r d• Range of cards to choose from :

> AmBank / AmIslamic Bank Platinum Credit Card / Card-i

Hilton dining card, Plaza Premium Lounges access, 2x AmBonus

Points for overseas conversion, golf invitation, etc

> AmBank / AmIslamic Bank Gold Credit Card / Card-i

Up to 10x AmBonus Points, cash rebate on grocery and petrol

periodically, etc

> AmBank TRUE / AmIslamic Bank TRUE Card-i

No frills card with low rate of 12% per annum

> AmBank / AmIslamic Bank CARz Credit Card / Card-i

Up to 5% cash rebate on any petrol brands and auto-related

privileges

> AmBank NexG PrePaid MasterCard

Safer than cash and better control over your finances

I n ve s t m e n t• Discounts on sales charges of all AmMutual equity funds

• Initial investment of only RM1,000

P r o t e c t i o n• Rebates on annual premiums / contribution for Comprehensive Personal Accident / Motor Insurance / Takaful Policy

• Attractive medical insurance plan

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Even More Reasons To Choose

And that's not all... your convenience is our priority

Through these multiple channels, we make it easier for you and your employees to bank with us:

Weekend Banking • No. 1 in weekend banking

ATM Network • No. 1 ATM provider for 7-Eleven

AmGenie Mobile Banking • Internet Mobile Banking • Real-time Banking • VeriSign Secured

Nationwide Branch Network • Extensive network with electronic banking centres

AmOnline Internet Banking • Simple, convenient & secure

Bill Payments • Pay more than 450 bills via one channel

Act Now!Your search ends hereA great partnership brings great rewards.

With AmBank@work, you can be assured that our

thoughtfully-designed financial packages, and

their exclusive privileges and benefits, will be

invaluable in helping you motivate and nurture

your greatest asset.

Your employees can also take advantage of the following facilities:

• Personalised services and consultations from our Relationship Managers on site

• Financing payments through direct salary deduction or auto-debiting from your employees' deposit account

• Opening of deposit account at your business premise for your employees’ convenience

• Financial assessments and workshops conducted at your organisation anytime, when required

• Tailored packaging of financial products and services

• Benefits suited to your employees’ financial needs and expectations

Page 9: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Aset Anda Yang Paling Berharga

syarikat-syarikat perniagaan menjadikannya prioriti mereka

untuk mengekalkan kakitangan yang berkebolehan.

Di dalam pasaran pekerjaan masakini, berlaku perubahan di

dalam sikap terhadap pekerjaan. Kesetiaan didapati semakin

berkurangan apabila jangkaan kakitangan semakin meningkat

dan mereka sanggup berpindah kerja apabila tidak berpuas

hati. Kegagalan mengekalkan kakitangan berkebolehan akan

meningkatkan kos. Majikan akan terpaksa menanggung kos

mencari pengganti yang bersesuaian dan pelaburan di dalam

melatih mereka, daripada segi kewangan dan masa. Di samping

itu, kehilangan seseorang kakitangan yang berkebolehan akan

menyebabkan kehilangan pengetahuan dan kejatuhan

semangat di kalangan mereka yang tinggal. Tambahan pula,

menggaji kakitangan baru sentiasa merupakan sesuatu yang

berisiko. Tiada jaminan bahawa mereka akan menjadi

pengganti yang tepat atau mampu melakukan pekerjaan

seperti diharapkan, apatah lagi membuahkan hasil.

Kakitangan akan sentiasa menjadi sumber yang paling

berharga bagi sesebuah organisasi. Mana-mana majikan yang

berwibawa akan bersetuju bahawa kakitangan adalah lebih

berharga daripada jenama, pelanggan, populariti, sumber

fizikal atau barisan produk. Peranan kakitangan anda tidak

boleh diketepikan dalam menyumbang kepada kejayaan dan

perkembangan perniagaan anda. Tambahan pula, mereka

merupakan wajah awam bagi perniagaan tersebut dan mereka

mewakili pengetahuan, jenama dan reputasi syarikat. Para

kakitangan terbaik anda merupakan mereka yang boleh anda

harapkan untuk memastikan kepuasan pelanggan dan

kesetiaan terhadap jenama. Mereka ini merupakan kakitangan

yang mempunyai pengetahuan dan pengalaman berorganisasi

mendalam, dan mereka yang boleh anda harapkan untuk

menjadi mentor kepada rakan sekerja yang lain. Mereka juga

merupakan kakitangan yang menonjol di fikiran apabila anda

membuat perancangan bagi penggantian yang berkesan di

dalam organisasi. Oleh itu, amat tepat sekali apabila

Page 10: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

gaji disalurkan kepada kakitangan anda dengan lancar dan

efektif, di samping dilengkapi dengan perbagai manfaat dan

kelebihan. Sebagai rakan anda di dalam proses ini, AmBank /

AmIslamic Bank akan mengambil alih tugasan ini daripada anda

supaya anda dapat menumpukan perhatian terhadap usaha

mengembangkan kebolehan dan menunjukkan penghargaan

anda terhadap mereka yang penting di dalam organisasi anda.

Sudah menjadi pengetahuan umum bahawa untuk

mengekalkan warga kerja yang bermotivasi, anda perlu

memaju di samping memberi sokongan dan ganjaran kepada

mereka. Tetapi, apa yang sering diabaikan sedangkan ianya

penting dalam usaha mengekalkan kakitangan adalah

membuatkan kakitangan anda merasa dihargai. Menjaga

kepentingan kewangan kakitangan anda, contohnya dengan

memastikan gaji mereka sentiasa dibayar tepat pada masanya

dan terus ke dalam akaun mereka, sudah pasti akan

membuatkan mereka merasa dihargai. Ini mungkin merupakan

tindakan yang kecil tetapi hasilnya amat besar. Ia bukan hanya

akan memupuk kepercayaan, malah mereka yang merasa

kepentingannya dijaga dengan baik biasanya lebih setia dan

efektif di dalam pekerjaan mereka.

Berdasarkan kepada prinsip ini, kami bawakan untuk anda

AmBank@work. Ia merupakan penyelesaian yang memastikan

Tindakan Mudah, Pulangan Berganda

Page 11: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Bayangkan anda tidak perlu lagi risau untuk memastikan gaji dibayar tepat pada masanya kerana ada pihak lain yang akan menguruskannya. Bayangkan kakitangan anda tidak perlu lagi risau untuk membuat keputusan kewangan yang tepat kerana nasihat dan sokongan akan sentiasa tersedia untuk mereka. AmBank@work memang direka untuk menghadapi semua cabaran ini agar anda dan kakitangan anda dapat menumpukan masa dan perhatian terhadap menjayakan perniagaan anda.

Tiada penyertaan minimum diperlukan

Peningkatan manfaat kewangan dan perkhidmatan yang

dikhususkan untuk kakitangan anda, tanpa melibatkan

kos kepada anda

Bebas daripada proses pembayaran gaji yang memakan

masa yang panjang, membolehkan anda menumpukan

perhatian ke arah mengembangkan perniagaan anda

Pilihan perkhidmatan pengurusan penggajian yang

memastikan gaji kakitangan anda dibayar terus ke dalam

akaun mereka secara tetap, tepat dan efisyen

Kos penggajian dan pentadbiran sifar atau nominal,

bergantung kepada keperluan organisasi dan sama ada ia

merupakan pemegang akaun semasa AmBank /

AmIslamic Bank

Pembukaan akaun-akaun AmBank / AmIslamic Bank

secara mudah di bangunan perniagaan anda untuk

kesenangan kakitangan

Apa yang boleh ditawarkan oleh untuk organisasi anda?

Yang Terbaik di dalam Kedua-dua Dunia:

Nilai Hebat Untuk Perniagaan Anda, Peningkatan Kepuasan Kakitangan

Page 12: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Pilihan Pelbagai Penyelesaian Yang Direka Secara PrihatinAmat mudah. Hanya pastikan kakitangan anda membuka akaun deposit dengan AmBank / AmIslamic Bank untuk pengkreditan terus gaji mereka ke dalam akaun ini. Selebihnya, biar kami yang uruskan.

Walau apapun keperluan perbankan mereka, kami mempunyai pelbagai pilihan akaun deposit# yang bersesuaian dengan kakitangan anda:

AmStar Extreme

Akaun semasa terulung dengan manfaat dan kemudahan ekstrem.• 5 Pindahan Dana Antara Bank Dalam Talian bulanan

PERCUMA• 5 Pengeluaran Tunai daripada mana-mana ATM

rangkaian MEPS bulanan PERCUMA• Pulangan kadar faedah yang TINGGI ke atas baki akaun• Pilihan kemudahan cek

AmStar

Akaun semasa dengan kadar faedah yang tinggi dan kemudahan cek.• Faedah harian bertingkat yang TINGGI ke atas jumlah

baki• Perlindungan Insurans Kemalangan Diri

“Ringgit-ke-Ringgit” PERCUMA

Family First*

Penyelesaian kewangan komprehensif yang memberi pulangan TINGGI untuk simpanan yang konsisten.• 10 Akaun Simpanan Khas yang memberi pulangan lebih

tinggi daripada Akaun Simpanan biasa• Akaun Semasa Harian untuk menguruskan transaksi

harian• KEISTIMEWAAN EKSKLUSIF daripada rakan niaga terpilih• Akses kepada alat bantuan perancangan kewangan dan

tip-tip di familyfirst.com.my

Akaun Simpanan dan Semasa Asas*

Akaun deposit tanpa fril untuk keperluan transaksidengan akses yang fleksibel kepada dana.

# Layak dilindungi oleh PIDM.* Turut ditawarkan oleh AmIslamic Bank.

Page 13: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Dunia Penuh Manfaat Melebihi PerbankanDari saat gaji mereka dikreditkan ke dalam akaun AmBank / AmIslamic Bank mereka, kakitangan anda akan mendapat akses terhadap pelbagai pilihan keistimewaan dan ganjaran eksklusif.

# Layak dilindungi oleh PIDM.** Semua diskaun kadar istimewa hanya sah untuk permohonan pembiayaan baru dan tertakluk pada penilaian kredit yang memuaskan ke atas pemohon pembiayaan.

Apa yang boleh ditawarkan oleh untuk kakitangan anda?Apabila gaji kakitangan anda dibayar menerusi akaun deposit AmBank / AmIslamic Bank mereka, secara automatik mereka akan layak menikmati semua keistimewaan dan ganjaran yang ditawarkan.

A k a u n D e p o s i t #

• Deposit permulaan yang rendah• Penjimatan ke atas yuran• Tidak perlu pencadang untuk akaun semasa• Arahan tetap untuk pindahan / pembayaran ke mana-mana akaun pembiayaan AmBank / AmIslamic Bank secara percuma

P e m b i a y a a n P e r i b a d i * *• Jumlah pembiayaan diluluskan sehingga 5 kali ganda pendapatan gaji tetap• Pelepasan pembiayaan yang pantas dalam tempoh 48 jam untuk menampung keperluan anda• Tiada cagaran atau penjamin diperlukan• Bayaran bulanan yang rendah• Tanpa fi pemprosesan

P e m b i a y a a n A u t o * *• Diskaun kadar faedah / keuntungan untuk pembiayaan semula• Diskaun ke atas yuran pemprosesan• Margin yang tinggi untuk pembiayaan semula sehingga 100% (untuk kenderaan di bawah 5 tahun) • Rangkaian pengedar kereta dilantik terbesar (melebihi 4,000) • Penyelesaian auto komprehensif• Kelulusan segera • Bayaran melalui potongan gaji bulanan

P e m b i a y a a n P e r u m a h a n * *• Diskaun ke atas kadar faedah / keuntungan• Diskaun ke atas yuran pemprosesan• Margin yang tinggi untuk pembiayaan sehingga 95% (termasuk MRTA / MRTT)• Pakej insurans / takaful berkaitan rumah yang komprehensif• Bayaran melalui potongan gaji bulanan

K a d• Pelbagai pilihan kad :

> Kad Kredit / Kad-i Platinum AmBank / AmIslamic Bank Hilton Dining Card, akses ke Bilik Istirehat Premium Plaza, 2x mata ganjaran AmBonus untuk penukaran luar negara, jemputan golf, dll

> Kad Kredit / Kad-i Emas AmBank / AmIslamic Bank Sehingga 10x mata ganjaran AmBonus, rebat tunai untuk pembelian barangan runcit dan petrol berkala, dll

> Kad AmBank TRUE / Kad-i AmIslamic Bank TRUE Kad tanpa fril pada kadar rendah 12% setahun

> Kad Kredit / Kad-i AmBank / AmIslamic Bank CARz Rebat untuk semua jenis petrol sehingga 5% serta keistimewaan berkaitan kenderaan

> AmBank NexG MasterCard Prabayar Lebih selamat daripada wang tunai dan lebih kawalan terhadap kewangan anda

P e l a b u r a n

• Diskaun ke atas caj jualan bagi semua dana ekuiti AmMutual

• Pelaburan permulaan dengan hanya RM1,000

P e r l i n d u n g a n

• Rebat atas premium / sumbangan tahunan polisi kemalangan

peribadi / Insurans / Takaful kenderaan komprehensif

• Pelan Insurans Perubatan yang menarik

Page 14: Exceptional Solutions for Exceptional People · Exceptional Solutions for Exceptional People. E s s e n t i a l s. Your Most Valuable Asset ... Zero or nominal payroll and administrative

Lebih Banyak Sebab Untuk Memilih

Dan bukan itu sahaja... kemudahan anda adalah prioriti kami

Menerusi pelbagai saluran ini, kami menjadikannya lebih mudah untuk anda dan kakitangan anda melakukan perbankan dengan kami.

Perbankan Hujung Minggu • No. 1 dalam perbankan hujung minggu

Rangkaian ATM • Pembekal ATM no. 1 untuk 7-Eleven

Perbankan Mudah Alih AmGenie • Perbankan Mudah Alih Internet • Perbankan Masa Sebenar • Jaminan Keselamatan VeriSign

Rangkaian Cawangan Seluruh Negara • Rangkaian meluas dengan pusat perbankan elektronik

Perbankan Internet AmOnline • Senang, mudah & selamat

Pembayaran Bil • Bayar lebih daripada 450 bil menerusi satu saluran

Bertindaklah Sekarang!Pencarian anda berakhir di siniKolaborasi yang kukuh memberikan ganjaran yang besar.

Dengan AmBank@work, anda pasti yakin bahawa pakej-pakej

kewangan kami yang direka penuh prihatin dan dilengkapi

dengan segala keistimewaan dan manfaat eksklusif,

akan menjadi amat berharga di dalam membantu

memotivasi dan meningkatkan keupayaan aset paling

berharga anda.

Kakitangan anda juga boleh memanfaatkan segala kemudahan berikut:

• Perkhidmatan dan perundingan secara peribadi daripada Pengurus Perhubungan kami di tempat anda

• Bayaran pembiayaan melalui potongan gaji terus atau auto debit dari akaun deposit kakitangan anda

• Pembukaan akaun deposit di premis anda bagi kemudahan kakitangan

• Penilaian dan bengkel kewangan boleh dilakukan di organisasi anda pada bila-bila masa, bila perlu

• Pakej produk dan perkhidmatan kewangan yang direka khas

• Manfaat yang disesuaikan dengan keperluan dan jangkaan kewangan kakitangan anda

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AmB/CS/work/0113