to what i want

Rise in the non-performing loans and loan loss provision also the disadvantageof this company. The non-performing loan ratio to an all-time low of 2.0% from the 2.3%in 3Q09, while loss coverage to 90.85 from the b=86.7% in the previous quarter 2011(investment research, 2011). That mean the all-time for the non-performing loan wasincrease. So this is the weakness for the CIMB Group.The rises of the non performing loan effect the provision that have. Because of the increasing of the value, the provision was effected. So that can loss the provisionthey have for loans. We see this as weakness for the CIMB Group.
3.0 The suggestion service for CIMB Group (new idea)

CIMB group now day is become the universal banking company which occupiedthe ASEAN market. As a universal banking company, CIMB Group needs to provide thebest banking services in globally.

“Forw

ard to Be the Best Banking Services

”

withthis slogan this group can create the value and to serving the needs of the differencecustomers across the region.The slogan that created is to make sure this group becomes

the best bankers in global banking service

, the best ways or solutions is necessary taken. To be the bestbankers in globally banking service, CIMB Group needs to take the best ways which is:3.1

made special CIMB group office

CIMB Group needs to make the special office or branches that provide personaland corporate services in multi-language. CIMB Group must build and provide the newspecial offices that provide the drive through services. The office is very important tomake the customer easier to done the business that want to do. CIMB Group can makethe office at the strategic area such us at petrol station, nearby shopping center and soon by provide the check deposit, credit card application form and so on that needs tofulfill the customer needs and wants.

3.2 Make all printed material in multi-language

Material is very important to present the performance has