Dato' Ahmad Zaini, Managing Director of Malaysia Building Society Bhd:

- Recaps MBSB's business, and how it is able to behave like a bank, without being licenced as a bank;
- Recap its efforts, since 2009, of expanding the product mix and going beyond the traditional mortgage financing business;
- Breakdown of product types;
- The personal loan scheme to civil servants;
- Growth rates;
- Percentage of total loans portfolio;
- The potentially addressable market in this area;
- Qualification criteria;
- Annual interest rate;
- Loan quality;
- Rising household debt;
- Whether concerned that civil servants are over-leveraged;
- Impact on banking system of over-leverage in households;
- Prospects of potential pay hike for civil servants;
- Barriers to entry;
- Regulation;
- Margins - profitability;
- New initiatives in government loans and oil and gas segments;
- SME business;
- New corporate loan products;
- Plans to expand into Shariah-compliant credit cards and stockbroking;
- Whether EPF as an owner has a role to play;
- Prospects of merger with RHB.

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