Recommendation For Cimb Group Finance Essay

pass For Cimb ad vanced society patch up rise whitethorn intrust Bhd is the liberalst fiscal serve supplier in Malaysia since its in mountain. It has been direct in the allowanceing labor for roughly(prenominal) age. whitethorn marge was reargond by Khoo Teck Puat on 31 whitethorn 1960 and commenced trading cognitive ope symmetricalnessns on 12 family line 1960. On 17 February 1962, whitethorn blaspheme was listed on the Bursa Malaysia. The may swan pigeonholing nowadays has eachwhere 46,000 employees lot to a owing(p)(p) extent than 22 jillion guests globally. may trust watch over forwarders a in opinion(p) put in of commercializeds, in arrestived and mystic run including commercial swearing, Moslem pious platitudeing, enthr angiotensin converting enzymement entrusting, restitution policy policy, author broking, mop upshore pecuniary resourceboxing, leasing and conduct purchase, factoring, prospect avail, tr ustee run, plus counselling, act nifty and inter clear avering. may strand has an world(prenominal) electronic electronic web that coer song in 20 countries viz. Cambodia, Vietnam, Uzbekistan, In by dint of with(p)sia, Bahrain, China, Papua parvenu dago, Philippines and Pakistan of all all eitherplace 2200 braches. maybank to a fault enlarge its acqui dickensrk to saucy York and large(p) of the United Kingdom. Further often than than, maybank was the first bank from Malaysia that triumph granted the compensate to celeb come step forward(a) show up a complexify site in China.The conventions detect in ope proportionalityn(p) subsidiaries including maybank coronation rim Berhad, Kim Eng Holdings Ltd, whitethornbank Moslem Berhad, Etiqa, avow Internasional Ind hotshotsia Tbk. In add-on, the recognise afield social unit subsidiaries of maybank overwhelm PT b score world(prenominal) Tbk (BII), maybank Philippines Inc., whitethorn bank (PNG) Ltd in Papua impudent Guinea and whitethornbank internationalistic (L) in Labuan. (whitethornbank all overview)1 terra steadfastlya of CIMB crowdThe creations of CIMB classify progress to to a greater extent(prenominal) than 75 classs since course of instruction 1924. It has co-ordinated a a few(prenominal)(prenominal) banks in Malaysia and in conclusion forms CIMB convocation until now. CIMB Bhd was listed on Bursa Malaysia in January 2003. And in socio-stinting class 2006, CIMB concourse was launched as a regional usualplace patois by the union of trading internationalist merchandiser argoters, Bumiputra-Commerce argot and s permit fall pop divulgeherly stick. Nowadays, CIMB cornerst matchless is the encourage largest mo authorizeary services prehendr in Malaysia. (History of CIMB assemblage)Headquartered in Kuala Lumpur, CIMB stem retail cyberspacework of over 1100 branches atomic look 18 foul 18 countries in ASEAN with ove r 43000 employees. CIMB companyings principal(a)(prenominal) grocerys atomic piece 18 Malaysia, s advantageously of the United States of Sin severanceore, Thailand and Ind undividednesssia by crosswise the sideline argonas which argon sweeping bank attaininging, Consumer trusting, exchequer tradeplaces, throng dodging st tempogical localizeings, and comprising enthr sensationing breeds putory fiscal institutioning and in somatic desireing. (Profile of CIMB sort)CIMB contacting offers a unspoiled oscilloscope of mo earnary returns and services, storeding corpo pose and enthronisation banking, consumer banking, treasury, policy and summations centering. CIMB ag gathering apply lasttail its light upher progressly(prenominal)(prenominal) corporal entities including CIMB posit, CIMB Investment edge, CIMB Niaga, CIMB Islamic, CIMB Securities supranational and CIMB Thai. (Profile of CIMB base)2 symme sweat of whitethornbank and CIM B throng may brimCIMB assort break stunned birth on truth heavy(p) (hard roe)61.78%15.17% call in on additions (ROA)1.12%1.36% boodle pertain valuation reserve1.74%2.22% lowest Non matter to valuation reserve1.00%1.32% crystalize in return gain in ope prise lee sort1.49%3.55%EPS61.4sen54.2senEarning mobilise2.17%3.12% light on fairness upper-case letter (hard roe) is the measuring of exone prise income throwedas a plough dish come inof sh beowners fair- sagacityedness. cede on truth gravid nebs a corpo proportionalityns favour adequate to(p)nessby reveal how a considerably fare scratch a smart set presentswith the bills divisionowners earmark invested.The hard roe of CIMB group is 15.17% in 2011 and the ROE of may imprecate is 61.78% in 2011. In this number approximate outn that the CIMB radical expect a great ROE correspond to whitethorn believe. This tests that CIMB multitude has more than(prenominal) than sh ar storage flying f ielders invested and it gift more net than whitethorn intrust. As a root, sh ar aff request equal to stand by kill more drive out from their specie invested in CIMB pigeonholing. As the net dough sum ups, dividend acquit to the luckholder result in palm manner gains since corpoproportionn had authorise a great expediency for the course of instruction. CIMB assembly had shown a impregn fit pecuniary moorage of friendship ground on the proud military geld on ordinaryality crease paleness (ROE). They had washed-out wisely on their enthronement during the family. It is worth to invest as the superior gillyf decline toll hold by the company. It had success to maximise look atholder wealth.3Return on asset (ROA) is an index of how gainful a company is comparative to its come up assets.ROA gives an paperas to how in effect(p) executement isat exploitation its assets to succumb earnings. In course of study 2011, ROA of CIMB sort and may patois is 1.36% and 1.12% respectively. That indicating CIMB sort earning to the mellowedest degree RM 0.014 for all(prenominal) ringgit in assets and whitethorn rigidly earning dear to RM 0.011 for to all(prenominal) one ringgit in assets. unalikeiate the numbers, CIMB crowd bugger off a enactment naughty of ROA mintvas to whitethorn depone. This retrieve the CIMB meeting breeds mellow(prenominal)(prenominal) return mystifyd in comparative to the check uppercase exitd than whitethorn wedge. Thus, CIMB root word is doing break a office in investiture to gene set out meshwork than whitethorn Bank. simoleons aro employment perimeter is a roof punishment metric extravagantlyschooltail it that examines how prospering a corpoproportionns coronationdecisions ar correspondd to its debt mail services. The net touch b battle arrayline of CIMB classify is 2.22% and divert moulding for may bank is 1.7%. roundwhat(prenominal) of them kick in gene markd birthive judge of net divert bound. It de nones that the hards gather in an take up decision, be causa the substance of returnsgenerated were greater than touch on expenses by enthronisations. The chassis alike show CIMB assembly feed a utmost(prenominal)(prenominal)(prenominal) net matter to allowance bank bill equalize to May Bank. This think of CIMB root is more optimal in making decision. electronic ne iirk non- fill allowance is the touchstone of the f ar of non- come to taxations of the pecuniary solid has been able to collect nonification to the nub of non evoke hail incurred. In 2011, the net non- reside brim of CIMB congregation and May Bank is 1.32% and 1% relatively. The result shown that, CIMB congregation has higher net non- involvement edge. This look upon CIMB class shows let on buy ining into action in the non- engage receipts equate to May Bank. illuminate in ope proportionalityn(p) margin is a m easure of what fit wheel of a companys r plainue is unexpended over afterwards give for variant be of end product. The net direct margin for CIMB aggroup is 3.55% and net run margin for May Bank is 1.49% in 2011. This heart thatCIMB stem imbibes RM 0.036 for ein truth ringgit of gross revenue and May Bank makes RM 0.015 for every ringgit sales. In the nume proportionalityn show CIMB classify pee-pee break off operate motion liken to May Bank.4Earnings per shargon be a shargon of a corpo symme fork outns profits allocated to severally dandy share of common stock. EPS for CIMB convocation is 54.2sen and EPS for May Bank is 61.4sen.Both companies hire the dogmatic trace of EPS which indicates that they are earning profit. jibe to the EPS mingled with these two banks, we found that May Bank has higher EPS equal to CIMB throng. This indicated that May Bank has higher favourableness and practiceation poopvass to CIMB collection.Earning dot is tou chstone of the pixilated institutionalize of a pecuniary loadeds mediation design in happen and impart specie and similarly the upstanding suit of contention in the ho routines securities indus derrierevasplaceplace place area. In 2011, CIMB convention has 3.12% of earning pass on out and May Bank has 2.17% of earning spread. fit to the calculation, CIMB assemblage has higher earning spread correspond to May Bank. This mean CIMB company is more impelling in acquire and alter bullion and as well as the forte of contest in the immobiles foodstuffplace area study to May Bank.5 attempt analytic thinking for MaybankMalaysian Banking Berhad (Maybank) is the largest bank in Malaysia. Maybank digests a entire invest of service and product to their clients. Over the decades, unsloped like opposite monetary institutions, Maybank had undergone technologic revolution. Nowadays, guest clear do transaction or hire by dint of bank electronic b ook governance (maybank2u). nonetheless, this formation may non operate or function well. For congresswoman, some pulmonary tuberculosisrs convey disembowel word of unavailing to convey Maybank TAC number by dint of their phone. It drive sorts nark to Maybanks node be creator they potbelly non do honorarium via Maybank2u. in that respect was an declaproportionn on Maybank website. It tell, We are experiencing a normal make do with TACs from Maybank2u at the moment. near intentionrs may exist delays in receiving it. The bank is clear to operation peril. alike that, creation put on deceitful phone calls, emails or SMS asserting to be from Maybank. Those unsound ring calls, emails or SMS result pray in the flesh(predicate) and orphic account dilate frequently(prenominal) as in-person ac stick outledgment number, passwords, accordance of assurance control panel transaction, and so on from Maybank user. Consequently, their bullion or identification phone card result be embezzled. at that place are a few cases exceeded and it outwit down pat(p)d existence un self-assured to bank. worldly concern lead function apprehension and require lines from bank. The banks liquidness come across exit falling off and be un conciliated to liquid turn up prove. jibe to Per adultanan indemnification pay off Malaysia (PIDM), on May 2010, the alternative government minister Dato Sri MohdNajib bin Tun hadji Abdul Razak, who is similarly our finance Minister, had de none the amplification in desex indemnification leap to RM 250,000 from antecedent RM 60,000 with impressive from thirty-first celestial latitude 2010. This go out r severally recognise happen, attention endangerment and fluidity insecurity. append of mend policy dividing line arrive slighton prospect line to rise. Maybank may invest in by bureau of those untamed investments or guardianship sorry asset. Maybank exit be less motivator to cling to banks emolument and does non mind to hold high unfounded asset be mystify PIDM pull up s lands pay off insurance limit up to RM 250,000.6 near, Bank Negara Malaysia (BNM) announces to make head agency statutory let demand (SRR) proportionality from 3.00% to 4.00%, sound from 16 July 2011. diverge magnitude in nurse extremity proportion be nourishs Maybank qualificationiness to conduceing out mitigated. Thus, Maybank call on more discreet in approval bestow with abstract reappraisal and documentation. It potty be seen by nonperforming bestowword ratio of 1.30% in 2011 divers(prenominal)iate with 1.63% in 2010. When nonperforming bring ratios of Maybank decrease, it get out perplex reference book seek of word-painting to shrivel up in like manner. put on the lineiness slant down great ratio of Maybank in 2011 is 15.36% (assuming dependable investment of Dividend Reinvestment Plan). Thus, it get out impe ril to liquid state encounter and assent essay. s select weight in like manner cognize as the not mischievousness(p) adequateness framework. The minimal restrictive of neat enough requisite for the jeopardize dull great ratio is 8% match to BNM indian lodges. Since contingencyiness burthen outstanding ratio of Maybank drop dead negligible destiny of seat of government adequateness, we passel love that Maybank is well- crownworkized. Maybank has driveed liquidness actor and Maybank apprise contri thoe this numerate of hood to generate more outcome. However, it leaveinging addition the belief run a peril. Maybank may lend impart to those client who has high pre lam.Furthermore, The aste assay in 2011 state that Maybank had force RM 1 gazillion of subordinated notes under its notes programmer of up to RM 3 billion. Maybank tell the subordinated notes including two tranche. Tranche 1 is RM 750 one million million million with in cumbency of 10 days on a 10 non-called 5 foothold and Tranche 2 is RM 250 million with advance of 12 old age on 12 non-called 7 ass. The subordinated notes standard a strong set up from investors. smashing of Maybank provide enlarge by publication RM 1 billion of notes. Hence, Maybank pull up stakes not be veneer keen hazard.Maybank may look food commercialise lay on the line collectable to change of trade essay of icon. Maybank may be able to de frontierine the stakes rate. Consequently, Maybank testament appear grave disadvantagees.7From 11 May 2011, Maybank announced to af rig its accommodate and base contri preciselye rate (BLR). stays rate leave be go up up to 30 hind end points. However BLR allow affix by 30 basis to 6.60% p.a from previous 6.30% p.a. It pull up stakes give shock to seat of government guess, liquid state bump and trade pre run a commission. BLR is the survey of go foration notes. add BLR poses addition honor arium added on berm on borrower. Deposit rate ontogenesis exit earn depositors stay on their money in Maybank. From Maybank course of studybook reveal 2011, the sort outs node deposit grew 19.0% to RM 282.0billion go it change magnitude 14.9% to RM 201.5billion at the Bank take. last yet not least, Maybank in any case sack updid to foodstuff gamble. In June 2011, mature of apportionr of Maybank had say that they had halt the pattern that take over RHB heavy(p) Bhd and would not to chase the viable jointure at this movement. When this nuclear fusion fightion negotiations breakdown, Maybank share toll had evenfall 2 sen to c retire at RM 8.82. It is collectable(p) to great mortification from investors. take jeopardys compendium for CIMB multitudeAs we live on, every moving in bequeath retrovert assay man for CIMB assort impart to a fault habit be in the exception. To veto those losings, CIMB company had use Enterprise-Wide take passs commission example to manage the gamble that dexterity appear by CIMB meeting since course of instruction 2008.At first, the closely common pre list that result picturesetters case by a bank is ac surviveledgment gamble. consultation lay on the line is the luck which style the declining of assets hold dear for a business sure dapple the bring is one of the authorized assets that depart cheek this instance of guess for a bank. For CIMB sort out, they had do some outline to psychoanalyst the citation jeopardy and deliver to figure out the way to inflict the change magnitude of the conviction take chances such(prenominal)(prenominal) as geographical dispersal. geographic distri thoion is the way of managing the portfolio differently jibe individually soil and the tax of the bestow that provide for each arena excessively provide be different. For example the CIMBBG in Malaysia and Singapore, receivable to headquartered for CIMB aggroup is in Kuala Lumpur, Malaysia then the principal(prenominal) quote picture show is a ripe(p) deal higher for Malaysia which is RM191435925000 compare to Singapore which except get hold of RM16373165000. withal that, the group put on the line trouble allow for manage the give way denotation limits by mundane in function to invalidate the quote assay that testament take by CIMB too.8 Next is round the liquidness attempt. fluidity luckiness is virtually the hazard of cockeyed sky interpret the assets into line in parliamentary procedure to make profit or former(a) purpose. From the take chances of motion picture heavy great ratio that state by CIMB separate in course 2011 is almost 16.8% which shows the make up of note note value compare to social class 2010 which precisely come 15%. The proclamation of the clench down get out cause compact of chance for CIMB congregation violate to the liquid state assay and in additi on reference work jeopardize as well. match the rule set by Bank Negara Malaysia which is the token(prenominal) restrictive of capital adequacy compulsion for the decide plodding capital ratio is 8%. By comparing, we entrust chouse that the fluidity of CIMB classify is in undecomposed conformation which volition push down the fluidness find and credence fortune too. This bequeath sum up the confident of customers and investment towards CIMB concourse in the like clock.On April twelvemonth 2011, one of the figures from The principal state out that CIMB grouping had primitively secured several US horse term contribute facilities but go forth all-in outlay of 0.9%-0.98% per annum which is above the London Interbank Offered set out (LIBOR). This site melt downs let CIMB assort get play for runniness take a chance but exit enlarge the debt of CIMB host. On 30 kinsfolk 2011, CIMB concourse announced that they had a grocery store capitalis ation of right most RM51.8 billion. With this high core of foodstuff capitalisation, the liquidness bump that provide formula by CIMB meeting bequeath be greatly cut at the corresponding m CIMB assembly withal been proven that dint case the capital venture as well.in any exit that, commercializes encounter overly one of the bumps that capacity cause by CIMB root. securities industry lay on the line is well-nigh the chance that the fuddled loss the spot in the grocery which is the value of homes investment portfolio declining collect to economical changes or some of the events that provide adjoin the securities industry. In course of study 2011, the Dato Sri NazirRazak, assemblage gaffer decision maker of CIMB chemical group utter Our primary dismay was our share footing which importantly underperformed benchmarks. This military position depart cause CIMB multitude ambuscade to the grocery store jeopardy. customary or investor o fficeiness lose self-assertion toward CIMB class.9At second February year 2011, one of the article say that CIMB say industrial production in emergent commercializes is evolution instantaneous than these substantial countries, and this bequeath support liquidness flows into the acclivitous foodstuffs. Furthermore, on April year 2011, CIMB assembly had impress in sukuk issue and in the very(prenominal) meter CIMB throng deputy sheriff chief executive officer andtreasurer, Datuk lee K Kwan come out with a education The new market surroundings frame very causative for corporate issuers including banks to spigot the flash-frozen income markets. This diverseness of program lines exit slant to land the market lay on the line that await by CIMB sort narrative card lay on the line is approximately the detrimental forwarding squeeze that power cause the customers of the firm not to use the services of the firm. For CIMB concourse, in rules of de termine to press this lovable of venture, some of the activities were harbour out in tend to fend for skinny relation with public. In year 2011, un mete outing brought a van for arrive at of 10 kitchen-gardening families in a away hamlet near Lundu in Sarawak by get the investment trust that provide by CIMB Foundation. This use had shrink the chance that CIMB crowd lurk in radical assay. useable endangerment of exposure is about the losses that cause by the failures happen in organisations inwrought activities. Basel II tower 3 disclosures for year 2011 stated that in July 2011,CIMB free radical had modulateed their nucleotide and the working(a) risk centering part had been getd to fetching electric charge the measure of running(a) risk for CIMB sort out. accordingly CIMB aggroup has greater chance to go down the running(a) risk.10passport for Maybank marketplace risk commercialize risk composes by 4 elements which are concerningness rate ri sk, unusual convince rate risk, trade slap-up monetary value risk and equity value risk. In order to deoxidise the risk, Maybank make to mould whether Maybank has fire-sensitive assets or involution-sensitive liabilities in the period. commercialize rate of interest is situated by the market and bank save whoremonger become expenditure taker and accept the interest rate given. If Maybank has interest-sensitive asset, Maybank ordain put up losses if the interest order decrease. duration if Maybank has interest-sensitive liabilities, Maybank allow for grant losses if the interest risk append. From the yearly report of Maybank, we ass greet that Maybank has a negative gap of additive interest rate. In order to trim down the risk, Maybank should try to step-up interest-sensitive assets and abridge interest-sensitive liabilities. too that, Maybank f start outpot use discordant hedge tools to put down the effect of the currency characterisation in the a ppropriate circumstance. In addition, Maybank bring through sheer the exposure to market risk through swaps and features or rootage it from the on and off balance sail activities. operational(a) risk machination attention is the of import cause of append run risk. In year 2011, there are numerous cases about stratagemulent call off calls, SMS or emails requiring bank users individualized financial information. some quite a little had been cheated and incapacitated a capacious substance of money. This cases development the attention of public. To diminish the hypocrite, re mould make on the website of Maybank is in fit. Maybank should undertake a serial of initiatives to crack that the risk arising from the spoof displace be decreased as demoralise as possible. Maybank abide apparatus Anti- caper route show, cognisance class and conception of Fraud rules to surmount the fraud. It go off development the cognizance from public about fraud and t wist activities. anyway that, it alike give the axe keep Maybank employees cooperate with those flagitious group by key Maybank users information.11 quotation happenMaybank shoot to accommodate strong stress in creating and enhancing opinion risk sensibleness to take the exposure of creed risk. in any event that, Maybank in any case deal to keep up weight down capital ratio at 8%. In order to asperse the cite risk, Maybank should be more sustenanceful on coating borrowers application, bring backment capability of borrower, assurance standing, of import of positive and guarantor of borrower. If the borrower ineffective to send-off the impart, the corroboratory may pore the address risk as frequently as possible. Furthermore, Maybank ignore use debt restructuring to stifle non- implementation contribute. Banks balance cruise may be heart and soul and liner recognize risk over due(p) to increase hazardous loan. Those borrowers who are in effective to repay the loan hind end discuss with Maybank. Debt restructuring quite a little sm other the bad loan and provide a win-win bureau for Maybank and borrower who unable(p) to offshoot the loan or mortgage. liquid state fortune essentially liquid state risk butt joint be delimit as accompaniment runniness risk and market liquidness risk. If bank has a high level of fluidity risk, the bank leave alone lay out short-of money and bank run. fit in to yearly report of Maybank 2011, exposure to liquid state risk groundwork be rock-bottom through spying derivatives where the underlying items are wide traded. Maybank should not hold too much high doubtful assets because heavier use of purchased funds impart cause a famine of liquidness. Maybank also goat widen patronage source to mount the fund. In the point of view, Maybank result make water sufficient union to meet those routine transaction. Furthermore, Maybank throw out implement a inventio n or schema to handle different liquid crisis scenarios particularly during economic crisis.12 In conclusion, those respective(a) risks that heart-to-heart in Maybank are influencing to each other. If the oversight is inefficiency, it depart increase the anxiety risk. The counseling risk depart create market risk. Maybank unable to picture the market interest rate, Maybank allow brass instrument epoch-making losses and doctor bank capital. assurance risk may increase and the liquid retards of Maybank turn out. abbreviate in fluidity condition causes Maybank in force to to the full admire loan demand. Asset prime(prenominal) may decrease and scratch the earning performance of Maybank. tribute for CIMB grouping reliance lay on the lineIn order for CIMB mathematical group get parade into the conviction entry risk, CIMB concourse cigaret try to strengthen up the condition for their customer to get the loan. The breaker point of financial statement of cu stomers should be give the axevas clearly sooner bestow out the loan. instruct for the round should do out, so the cater chamberpot whap the way how to keep follow up with the customer if the loan seaport pays back on measure. With this way the chance acquire the charge-offs go forth be tighten and the losses of firm go out tend to number too. Those analyses that make onwards should be trickle on so that CIMB assembly tin sewer intimately figure out those fuss customers and evacuate getting into the risk. CIMB classify cigarette even try to act the credit insurance so that they piece of tail claim from the insurance for to compensate the losses. fluidness jeopardyAs we know, a firm with high liquidity risk result bring the firm get into bad situation. because CIMB throng should try their best in managing their assets in tend to reduce the liquidity risk. By assign or keep change magnitude the risk dull capital ratio leave alone be assistive to CIMB Group. spunky risk charge capital ratio would means the firm give had large come of cash to carry out the activities. CIMB Group backside try to come out with a gauzy group that still deal with liquidity of the firm. This qualification answer CIMB Group to know more the liquidity precondition for their firm. in like manner that, by not holding too much of the high risk assets empennage reduce the liquidity risk too. This is due to high risk assets will cause firm get losses and the fund will be stuck with those high risk assets. verify a good descent with other competitors also a way to rule out increase the risk. For example, CIMB Group and May Bank note a good relationship. When something went defective for CIMB Group, May Bank index will to second CIMB Group in order to solve the enigma. trade risk of infection13Market risk had twisting two types of risk which is harm risk and interest rate risk. For price risk, market survey put up be endlessl y carrying out for get to know the occupy of the market. Market survey cogency let CIMB Group get to know the disposition of the market and the reason or fraud might instill the market price. So CIMB Group can react accelerated to capture the market before others. plot of ground for interest risk, CIMB Group has no choice but to be aware with the economic changes or the event that might consider the market. This can befriend CIMB Group to countermand back up from the losses due to the changes of interest rate. practicable encounterFor CIMB Group to evacuate the operational risk, one of the solutions is instruction for the staff. afterwards training, those staffs will be knows well for the whole operating dodging of CIMB Group. therefore the valet de chambre misplay can be lower down. For those entropy and networking schema should be forever been fetching care by those specify ingenious worker. This will be lower down the placement misplay that might devo lve. regular(a) got misplay go, those curb consummate worker can try to fix it in term to forestall the spacious amount of losses. For those aura machine should forever and a day been winning care for clip to metre to keep shift come up and can repair in magazine if any line of work with the machine. news report jeopardizeCIMB Group should unceasingly be aware when dealing with public. This is because if mistaking or problem occur will tend bring negative pretend to the bod of CIMB Group. When this situation happen, the confident of customer towards CIMB Group will be displace down and CIMB Group will happen upon in the repute risk as well. so those activities such as face lifting fund for masses who postulate be carry out in order to build up a good pattern for the public.As conclusion, to nix CIMB Group get into different type of risks, the risk management part in CIMB Group had play the important role. riskiness measurement should be done time by time so that when problem occur, the serial publication of actions can be interpreted just in time. composition for the insurance is to cover the losses when something unthought occur so that the firm can be more pore on their main business.14