SME Bank Contributes Cash to Boost Fight Against COVID-19 P.4 - Agihan Tamar & Biskut Raya kepada Kakitangan SME Bank
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Vol. 21/2020
SME Bank Contributes Cash to
Boost Fight Against COVID-19 P.4
Agihan Tamar &
Biskut Raya kepada An agency under
Ihya’ Ramadan P.7 Kakitangan SME Bank
P.9
EDITORIAL
CONTENTS
TEAM
Vol. 21/2020
ADVISOR
Aria Putera Ismail
Corporate Happenings
Executive Editor
4 SME Bank Contributes Cash to
3
Khairil Anuar Mohammad Anuar
Boost Fight Against COVID-19
Editor
Abdul Latiff Puteh 5 Memorandum Persefahaman
antara SME Bank dan Jabatan
Perangkaan Malaysia (DOSM)
Contributors
Saripah Radziah Sayed Hamid From the Desk of
Norhisham Hamzah Group President / 6 Pertandingan “SME Bank Stay
at Home”
Norsalwa Zakaria
Rusydan Hamedy
Chief Executive Officer
Nor Azimah Adam 7 Ihya’ Ramadan Anjuran
Ibu Pejabat SME Bank
PHOTOGRAPHER
Wan Badaru Sukry Wan Abdullah 8 Ramadan is the Month of
Blessings - Engagement with
the Community by 23 SME Bank
Branch Networks
GRAPHIC DESIGNER
Rafiq Asyraf Razalli
9 Agihan Tamar dan Biskut Raya
kepada Kakitangan SME Bank
sempena Bulan Ramadan dan Syawal
PUBLISHED BY
Small Medium Enterprise Development Issues of Interest
Bank Malaysia Berhad (49572-H)
Menara SME Bank, Jalan Sultan Ismail
Tel: +603 2615 2020 Fax: +603 2698 1748
Contact Centre : +603-2603 7700
10 SMEs at the Time of
Current Crisis
www.smebank.com.my
CEDAR
12 10 Ways Start-ups Can Pivot
From Growth to Operational
Efficiency During a Crisis
An agency under
From the desk of GP/CEO 3
From the Desk of
Group President / Chief Executive Officer
AND SALAM SEJAHTERA
C
ovid-19 has indeed greatly affected manage their cash flows and retain their
our daily lives; socially and staff.
economically. Involuntarily, we have
to accept and adapt ourselves to the Apart from SME Bank, as a cohesive effort,
new norms brought about by this pandemic. our subsidiary, Centre for Entrepreneur
Alhamdulillah, after battling relentlessly to Development and Research Sdn. Bhd.
tackle the spread of Covid-19, the Government’s (CEDAR) is equally active in sharing useful
efforts has paid off and the number of new tips and provide online information to
cases have been reduced tremendously. assist and guide the entrepreneurs
This has become the benchmark for the to reassess their current business
Government to relax the restrictions that were models. CEDAR also continues to
imposed during the Conditional Movement conduct entrepreneurship training
Control Order (CMCO). Now, we are already programs via on line channels and
in the Recovery Movement Control Order various social media platforms.
(RMCO) phase effective from 10 June until This is crucial to ensure
31 August 2020. This is a blessing for us and that entrepreneurs are
together let us make Malaysia save again. able to continue operating
and sustain their businesses
One of the good signs of the economy is the during and post Covid-19.
emergence of new businesses online and
the increased in online shopping. During Aristotle once said, “Man is by
the Movement Control Order (MCO), many nature a social animal,” noting
traditionally operated businesses were not that we have always relied on
able to survive due to the closure of business connecting with one another for
premises and the restriction of movement. our individual and mutual well-
This has forced them to look at new ways being. Today’s health concerns
to promote their products and services. due to Covid-19 have made much
Consequently, many small traders are now of that interaction difficult but
opting to be part of the online shopping not impossible, and technology is
platforms and cashless purchases have always at hand to help us overcome
become the preferred choice. those challenges by connecting us
not just in cloud, but right where we
Since the onset of Covid-19 in Malaysia, SME live through our electronic devices
Bank has been quick in responding to the and gadgets such as computers,
crisis situation by implementing various laptops, tablets and smartphones.
initiatives; in line with the Government’s We use WhatsApp, Skype and many
Economic Stimulus Plan to help support the more other means of communication
sustainability of the SME sectors. Among in the safety of our homes.
the initiatives undertaken by SME Bank
include the RM2.1 billion funds allocated for No doubt the “new normal” will take
the SME Go scheme and SME Technology time to assimilate but in the long run
Transformation Fund (STTF) under the you will be left behind if you don’t
Government’s PENJANA economic recovery make the effort to change.
plan. Prior to this, SME Bank’s other initiatives
utilizing the Bank Negara Malaysia’s funds
under PRIHATIN include the Special Relief Thank you.
Facility (SRF), Automation and Digitalisation
Facility (ADF), Agrofood Facility (AF) and ARIA PUTERA ISMAIL
All Economic Sectors Facility (AES). These Group President /
efforts are to ensure SMEs are able to better Chief Executive Officer
4 Corporate Happenings
SME Bank Contributes Cash to
Boost Fight Against COVID-19
I
n response to the Government’s call for agencies,
non-government organizations and private sectors
to assist in the effort to fight against COVID-19
pandemic, SME Bank, as an agency under the Ministry National Disaster
of Entrepreneur Development and Cooperatives Management Agency
(MEDAC), extended a helping hand by contributing (NADMA)
zakat amounting RM300,000 to recipients which
include the National Disaster Management Agency RM 100,000
(NADMA), Ministry of Health (MoH) and Hospital
Serdang with each receiving RM100,000 and Hospital
Serdang, Hospital Universiti Sains Malaysia, Jabatan
Kemajuan Islam Malaysia (JAKIM) and the Association
of Islamic Banking and Financial Institutions Malaysia Ministry of Health (MoH)
(AIBIM) each receiving RM25,000.
RM 100,000
The contribution to AIBIM was channeled to Hospital Sg.
Buloh and Hospital Kuala Lumpur for the purchase of
Personal Protection Equipment (PPE), health equipment,
sanitizers and hostel equipment for the frontliners. Jabatan Kemajuan Islam
The Bank also contributed another RM100,000 under Malaysia (JAKIM)
its CSR initiative to the project #responsMalaysia, a for Tabung Musa’adah COVID-19
programme under the Malaysian Red Crescent Society
and Dana Kecemasan PKS under MEDAC, each receiving RM 25,000
RM50,000 respectively.
The Government has implemented various measures to
Contribution to AIBIM will be
ensure that the spread of COVID-19 can be controlled.
Among others are the Movement Control Order (MCO)
channeled to Hospital Sg. Buloh and
which was implemented in phases and the public Hospital Kuala Lumpur
must observed strict Standard Operating Procedure RM 25,000
especially on social distancing when going out to public
places. The MCO has resulted in the reduced number
of positive cases of COVID-19 in the country and higher
number of recoveries. As a caring corporate citizen, SME
Bank’s contributions in supporting the Government’s Hospital Serdang
effort are part of the Bank’s Corporate Responsibility
programmes towards giving back to the society and
continuous effort to enhance welfare and wellbeing of RM 25,000
our stakeholders.
The Zakat contribution to NADMA was presented by YB
Dato Sri Dr. Haji Wan Junaidi Tuanku Jaafar, Minister of Hospital Universiti
Entrepreneur Development and Cooperatives to Encik Sains Malaysia
Mohamed Zahari Bin Razali, Deputy Director General
(Post-Disaster) of NADMA during a simple presentation RM 25,000
ceremony in Kuala Lumpur. Also present was Encik Aria
Putera Ismail, Group President / Chief Executive Officer,
SME Bank.
Corporate Happenings 5
Memorandum Persefahaman
antara SME Bank dan Jabatan
Perangkaan Malaysia (DOSM)
S
atu majlis menandatangani Memorandum
Persefahaman di antara SME Bank dan
Jabatan Perangkaan Malaysia (DOSM) telah
diadakan pada 26 Jun 2020, bertempat di
Foyer Auditorium, Aras 2, Menara SME Bank, Kuala
Lumpur. Pemeteraian MOU ini adalah merupakan
bukti komitmen SME Bank dan DOSM untuk
memperkasakan sektor PKS negara. Kerjasama
ini akan membolehkan SME Bank dan rakan-rakan
strategik yang lain memahami pola tingkah laku
usahawan PKS secara khususnya dan orang ramai
secara amnya tentang tabiat mereka menguruskan
sumber kewangan di dalam berbelanja.
Ia juga merupakan sebahagian daripada Program
Pemecutan Dua-tahun SME Bank dan telah membuka
ruang baharu dalam memacu pelaksanaan Platform
Digital PKS Kebangsaan yang telah terajui oleh SME
Bank semenjak tahun 2019. Kerjasama ini sangat
bermakna kerana ia akan dapat menyumbang ke arah
pertumbuhan ekonomi di dalam sektor PKS negara
kita yang kini semakin mencabar akibat daripada
wabak COVID-19 yang telah melanda seluruh dunia.
Inisiatif seperti ini semestinya dapat merancakkan
semula ekonomi PKS di negara kita.
Memorandum Persefahaman ini telah ditandatangani
oleh Encik Aria Putera Ismail, Presiden Kumpulan /
Ketua Pegawai Eksekutif SME Bank dan YBhg. Dato’ Sri
Dr. Mohd Uzir Mahidin, Ketua Perangkawan Malaysia.
Majlis menandatangani Memorandum Persefahaman
turut disaksikan oleh pegawai kanan dari kedua-dua
agensi tersebut.
6 Corporate Happenings
SME Bank Stay At Home S.M.I.L.E.
Pertandingan 1
Video & Photo Contests
Tarikh : 10 April – 20 April 2020
“SME Bank
Stay At Home”
S
ebagai sebuah organisasi yang prihatin, SME
Bank telah mengambil pendekatan untuk
menganjurkan beberapa pertandingan sejak
Perintah Kawalan Pergerakan (PKP) bermula.
Ini adalah salah satu langkah untuk menceriakan
kakitangan SME Bank serta berhubung secara maya
dengan mereka melalui media sosial. Pertandingan-
pertandingan ini akan membuatkan mereka untuk
terus bersemangat dan kekal berada di rumah dan
sentiasa menjaga penjarakkan sosial serta kebersihan
diri dalam menangani Covid-19. Tiga pertandingan
bersempena COVID-19 yang telah diadakan adalah
seperti yang berikut dan tahniah diucapkan kepada
para pemenang pertandingan.
2 3
SME Bank MyRamadan 1441H Stay At Home SME Bank My Salam Lebaran Stay At
Video Contest Home Video Contest
Tarikh : 28 April – 8 Mei 2020 Tarikh : 15 Mei – 1 Jun 2020
Corporate Happenings 7
Ihya’ Ramadan
Anjuran Ibu Pejabat SME Bank
S
ME BANK terus menyantuni golongan B40
dan gelandangan menerusi beberapa program
bersempena dengan bulan Ramadan yang
mulia dan juga bagi meraikan kemeriahan
Syawal.
Semasa kekangan pergerakan Perintah Kawalan
Pergerakan (PKP), pelbagai aktiviti telah dijalankan
di setiap rangkaian cawangan SME Bank dan
tidak ketinggalan, di Ibu Pejabat juga turut
menghulurkan bantuan kepada golongan yang
kurang berkemampuan mengikut garis panduan
yang telah ditetapkan oleh Kerajaan. SME Bank telah
bekerjasama dengan NGO dan agensi kerajaan yang
terpilih bagi menyalurkan bantuan ini.
Melalui kerjasama projek ‘Feed the Love’ oleh
Yayasan Sukarelawan Siswa (YSS), SME Bank selaku
penyumbang utama telah menyalurkan sejumlah
RM15,000 dalam bentuk hamper makanan dan
barang keperluan asas bernilai RM150 setiap satu
untuk diagihkan kepada 100 keluarga yang terjejas
punca pendapatan akibat PKP di PPR Taman Medan,
Petaling Jaya, Selangor. Penyerahan sumbangan
telah diadakan pada 14 Mei 2020 dan disampaikan
oleh Encik Muhammad Aiman Mohd Zain, Ketua
Pegawai Eksekutif, YSS dan Puan Raja Fairuz, Ahli
Majlis Zon 18, Majlis Perbandaran Petaling Jaya,
Selangor.
Selain itu, sebagai tanda penghargaan kepada jasa
para pejuang di barisan hadapan, sebanyak 300
pek makanan untuk juadah berbuka puasa telah
disumbangkan kepada kakitangan di Hospital Sg.
Buloh dan Pusat Kuarantin dan Rawatan Covid-19 di
MAEPS, Serdang. Tidak ketinggalan juga sebanyak
150 pek makanan untuk juadah berbuka puasa turut
diedarkan kepada gelandangan yang menetap di
Pusat Transit Gelandangan Kuala Lumpur.
Pada masa yang sama, setiap cawangan SME Bank
juga bergiat aktif menyalurkan sumbangan seperti
pek makanan, hamper dan duit raya kepada golongan
sasar terpilih seperti mereka yang bertugas di
barisan hadapan di hospital, anggota polis, angkatan
tentera, anak-anak yatim dan keluarga miskin.
Nilai sumbangan yang disalurkan adalah sebanyak
RM93,000.
Program Ramadan merupakan aktiviti tahunan di
bawah tanggungjawab Korporat SME Bank dalam
usaha untuk meningkatkan kualiti hidup dan memberi
keceriaan kepada golongan kurang berkemampuan
dan B40.
8 Corporate Happenings
Ramadan is the Month of Blessings-
Engagement with the Community by
23 SME Bank Branch Networks
O
ne of the pillars of our Corporate
Responsibility (CR) activities is giving back
to the community. As a caring corporate
citizen, we continuously lend our hands to
support the underprivileged.
As part of our annual CR activities, SME Bank continued
organising Ramadan programmes at its head
office and branch networks, within the permissible
movement control order (MCO) guidelines.
For this year, SME Bank has allocated a total of
RM69,000 for head office and 23 branch networks
to organise the Ramadan activities at their respective
areas. The allocation comprises of Zakat amounting
RM1,500 and CR budget of RM1,500 each. All these
activities were conducted with the aim to ease the
burden of those effected by the COVID-19 outbreak
during the month of Ramadan and to help them
prepare for the Hari Raya celebration.
A total of 370 beneficiaries received the benefits from
our CR activities that were organized throughout
Malaysia. The activities included distribution of packed
food to the frontliners, distribution of food hampers
and cash to asnaf, poor families, orphanage homes
and tahfiz centres.
Corporate Happenings 9
Agihan Tamar dan Biskut Raya
kepada Kakitangan SME Bank
sempena Bulan Ramadan dan Syawal
S
ME Bank telah mengagihkan tamar dan biskut Majlis pengagihan tamar bersempena dengan
raya bersempena dengan kedatangan bulan menyambut Ramadan telah diadakan pada 21 April,
Ramadan dan sambutan Hari Raya Aidilfitri 2020. Manakala dua jenis biskut raya telah diagihkan
kepada semua kakitangannya iaitu seramai pada 18 Mei, 2020 bersempena dengan Hari Pekerja
1,070 orang. yang disambut setiap tahun pada 1 Mei, dan Hari Raya
Aidilfitri.
Walaupun sambutan pada tahun ini amat berbeza
berbanding tahun-tahun sebelumnya kerana ia Kedua-dua majlis pengagihan ini disempurnakan
disambut di dalam tempoh Perintah Kawalan oleh Ketua Pegawai Modal Insan Kumpulan,
Pergerakan (PKP), namun tradisi yang menjadi amalan Cik Puan Sainursalwa Sani dan diiringi oleh Overseeing
setiap tahun telah diteruskan sebagai tanda ingatan Head, People & Culture, Puan Haslin Osman. Semua
ikhlas dan penghargaan kepada semua kakitangan cenderahati diagihkan kepada setiap wakil Divisyen
SME Bank. dan Jabatan masing-masing. Bagi kakitangan di setiap
cawangan pula, cenderahati telah diserahkan melalui
kiriman pos.
10 Issues of Interest
SMEs at the Time of
Current Crisis
T
he current COVID-19 pandemic is inflicting business closures and job losses. There is a
high and rising human costs worldwide. de facto shutdown of a significant portion of
For the purpose of protecting lives and the economy.
allowing health care systems to cope have
• Health care expenditures necessarily rise
required isolation, lockdowns, and widespread
sharply above what had been expected.
closures to slow the spread of the virus. The latest
forecast from World Bank stated that as a result
The coronavirus is a global pandemic and, on an
of the pandemic, the global economy is projected
individual level, most of us are now familiar with
to contract sharply by negative 3% in 2020, much
the steps we must take to stay safe. For companies
worse than during the 2008-2009 financial crisis
big and small, in addition to protecting the safety
while Bank Negara Malaysia projected Malaysia’s
of their employees and clients, they must also
Growth would drop in between negative 2% to
ensure the sustainability of their business.
0.5% this year.
Small and Medium Enterprises (SMEs) are
really important segment to one’s nation and in
Among the impact of this crisis would be:
Malaysia, this segment contributed to almost 40%
• Infections reduce labor supply.
• Quarantines, regional lockdowns, and social
distancing-which are essential to contain
the virus, curtail mobility, with particularly These domestic disruptions
acute effects on sectors that rely on social
interactions (such as travel, hospitality,
spill over to trading partners
entertainment, and tourism). through trade and global
• Workplace closures disrupt supply chains and value chain linkages,
lower productivity. Layoffs, income declines, adding to the overall
fear of contagion, and heightened uncertainty
make people spend less, triggering further macroeconomic effectsIssues of Interest 11
to the nation’s GDP, comprises of 98% business • Support liquidity, whether directly through
establishment in this country with employment of tax forbearance, or throughout their supply
more than 65% and export of approximately 25%. chains by paying public sector suppliers
promptly, and
During this turbulent times, business sentiment
• Take advantage of stabilising economic
index and consumer confidence index are not
conditions to provide certainty by committing
in the best position and hence will dampen the
to long-term plans on spending and tax in a
growth of SMEs and might led to bigger impact
credible manner.
like one to end-up their business life.
• To opt for extension of moratorium/grace
Triple whammy/trio issues dampen the growth: period to help SMEs survival and recover,
Covid-19 outbreak, Movement Control Order
• Easy yet fast financing from the financial
(MCO), Crude oil price slump lead to slower
institutions to provide working capital
demand, causing trouble to the global integrated
financing as a breathing room for SMEs,
value chain, SMEs operating below optimum
level (productivity) due to MCO and others • Promote greater innovation through Industrial
which eventually disrupt their cash flow. Facing Revolution 4.0 (IR4.0) and encourage SMEs
financial challenges during this uncertain period. to adapt to it,
Most were concerned that their cash flows would • Avoiding investment of SMEs in the Sunset
be choked off as a result of the sharp falloff in Industries or industry that has losing its
demand, in addition to deal with operational competitive advantage and relevancy
costs such as rental and salaries. with focus should be only on Sunrise and
Recession-proof industries.
As at to date, through the recently announced
Stimulus Package (RM250 billion) plus special
packages for SMEs (RM10 billion), there are some Source: Various, Al-Jazeera, World Bank, ACCA Global, DBS
hope for SMEs by providing breathing space for Bank of Singapore, SME Bank SCEA.
at least the next 6 months.
SMEs experienced greater pressures which
without significant help will led to the likelihood
of losing business capacity, whether through
cutting investment or laying off staff. Job security
and Employment are the solid reasons of why
government need to keep them alive and survive
in this current condition. Among the steps taken
and should be put in place moving forward by
government includes:
• Review the SME-support policies developed
during the downturn to ensure they are still fit
for purpose of recovery,
• Ensure that surviving policies and support
programmes take the diversity of the sector
and its strategies for the recovery fully into
account,
• Develop a distinct support infrastructure for
dynamic, extroverted mid-market firms,
• Supporting labour development and
managerial training in mid-market firms,
• Developing formal ties between the sector
and agencies in charge of promoting exports
or securing foreign direct investment (FDI),12 CEDAR
10 Ways Start-ups Can Pivot From
Growth to Operational Efficiency
During a Crisis
W
hether or not we should have and sustain. Interestingly some later adaptions
been more prepared for its of the model also call for a sixth ‘S’ for safety - but
unprecedented events in hindsight, hopefully that’s a given right now.
it is clear that the global health
crisis has blindsided the global economy in the When adapted, these principles can prove to be
last 100 days. The global economy is in paralysis, a useful starting point for start-ups to consider.
necessitating huge interventions by government Operational efficiency does not just need to be
and leading to significant job losses. Even the focused on reducing headcount - there are many
mighty Google is reportedly looking at ways to practical areas to address declining revenues and
find efficiencies, cutting marketing budgets as profits and positives to derive as well.
well as initiating hiring freezes. Start-ups are also
increasingly sharply in focus, with many that were Review Your Core Business Functions
previously flying high now in a fight for survival. In 5S, the first step of “sort” typically refers to the
need to remove all unneeded items, only retaining
What is operational efficiency? what is needed for efficient production. Take this
Operational efficiency measures the efficiency time to review your business activities end-to-
of profit earned as a function of operating costs; end. Do you have areas that are not (yet) core
the greater the operational efficiency, the more to your business survival? Can they be paused
profitable a company is, generating greater for now?
income or returns for the same or lower costs.
Realign resources to your core business
One example is lean manufacturing. Adapted Connected to the above, this is also an opportunity
from the Toyota Production System, it also refers to realign and focus your team on the areas of
to the concept of “continuous improvement,” greatest return for your business.
a process that seeks to reduce and eventually
eliminate inefficiency and waste. Are you returning to the same scale of business?
Consider your own “space” when things return
One of its key frameworks, 5S, is named after to normal. Most of us reading this have been
five activities derived from the Japanese words working with a distributed team for some time
seiri, seiton, seiso, seiketsu and shitsuke - to sort, now, so do you still need all of your office space?
straighten (or ‘set in order’), shine, standardize Perhaps this new way of working can enable you
to reduce your costs.CEDAR 13 Review your workflows Gaining improvements in productivity, customer “Set in order” in 5S refers to making workflow value, team morale and employee engagement, smoother through establishing specific locations, as well appropriate cost reduction will ultimately quantities and order of parts needed for efficient improve your business agility and operating operation. Look at your internal process for model and lead to greater profitability. Be completing different types of task with an transparent and seek input – you just might find efficiency focus. How they might be improved? some game-changing improvements. Partner review Source : entrepreneur.com Do you have multiple companies offering similar services to you or point solutions in different parts of your business? Single or integrated solution might enable you to reduce cost. Equally, consider if you still need enterprise scale solutions you selected for growth. Identify hidden areas of waste It may be a while since you’ve audited your business supply and procurement. Now is the time to look to reduce waste in your business Finish off those projects In 5S, shine or shining represents inspecting your workplace and tools on a regular basis in order to improve efficiency, safety and prevent errors and defects. Consider if this is a time to finally get onto refining things that you’ve never finished as you intended, such as long overdue software enhancements or addressing that backlog of technical debt. This will also improve the robustness of your core product. Standardize processes and KPIs Seiketsu refers to implementing visual displays and controls to standardize processes to making them part of daily routine. Do you agree, manage and monitor your key principles of working currently? Are your team clear on their responsibilities? Use this time to establish stronger KPIs and targets for creating efficiencies in your company. Bring the team into the process Shitsuke also translates to “do without being told,” and focuses on maintaining operational efficiency through continued training and total employee involvement. As a start-up, you might already be working in an agile, self-organized manner, but take this as an opportunity to bring your team into the review process, explaining why this is important for survival. Training and skills improvement As you reorganize, seek input from your team to identify improvements – ideally incentivize them for offering suggestions. Ask them how they would suggest you reduce costs and innovate without impacting customer experience.
14 Corporate Happenings
CORPORATE
HAPPENINGS
April
Lawatan YBhg. Datuk Seri Mohammad Mentek,
Ketua Setiausaha Kementerian Pembangunan Usahawan & Koperasi
di Menara SME Bank
16 April 2020
Jun
Jun
Jun
Berpakaian Hijau sempena
World Enviroment Day Temu Bual Ruang Bicara - Bernama TV
di Menara SME Bank Teh Tarik Session bersama Puan
Zarina Nor Ismail, Ketua Pegawai bertajuk “Penjana: Usaha SME Bank
5 Jun 2020 Untuk PKS” di Wisma Bernama
Kredit & Ketua-ketua Cawangan
serta wakil daripada Credit Advisor 22 Jun 2020
di Menara SME Bank
9 Jun 2020
TEMU BUAL MEDIA
BERKENAAN INISIATIF PENJANA
bersama PRESIDEN KUMPULAN /
KETUA PEGAWAI EKSEKUTIF SME BANK
19 Jun 2020 Temu Bual Akhbar New Straits Times
19 Jun 2020 Temu Bual Akhbar Berita Harian
Jun
23 Jun 2020 Temu Bual Webinar Bank Negara Malaysia
25 Jun 2020 Temu Bual Webinar Bank Negara Malaysia
Bicara Naratif TV1 bertajuk “Penjana: 26 Jun 2020 Temu Bual TV RTM 1
Bantu Kelangsungan PKS”
di Wisma Angkasapuri 29 Jun 2020 Temu Bual TV Astro Awani
23 Jun 2020Nurturing the advancement
of SMEs nationwide and its
ecosystem are the thrusts
of our existence.
At SME Bank, we not only meet your financing needs, instead,
we support your business growth through the provision of
timely and professional advisory services.
For more information, call our Customer Service Centre
at 03-2603 7700 or visit our website at
www.smebank.com.my
smebank sme_bank smebank_malaysia
smebankmalaysia
Small Medium Enterprise Development Bank Malaysia Berhad 49572-H An agency under
Menara SME Bank, Jalan Sultan Ismail 50250 Kuala Lumpur
Tel: 03-2615 2020 Fax: 03-2698 1748You can also read
