ORIGINAL POST
Cooped up in my room since morning.
Just resting.
These days I hardly go out during the weekends as I'm still not completely well.
Surfed around for something to write but can't find anything really interesting except maybe this post by Datuk Kadir Jasin,
PNB Beli PNB1 Dengan Harga RM173,800
Kadir even published several What'sApp exchanges between him and PNB chairman TS Abdul Wahid Omar.
excerpts;
Saya menghantar pesanan WhatsApp berikut kepada Abdul Wahid: “Assalamualaikum. Maaf mengganggu. Saya cuba beberapa kali hubungi Jabatan Perhubungan Awam PNB (Encik Khamis Omar) tetapi tidak ada respons. Boleh bercakap dengan kerani saja. Saya hendak pengesahan mengenai dokumen yang tular di media sosial, termasuk hasil posting (mengenai) Rumah Terbuka PNB beberapa hari lalu, iaitu kononnya PNB membelanjakan wang yang banyak membida nombor plat khas Pulau Pinang PNB. Pengesahan ini untuk tulisan saya. Terima kasih.”.
Dalam responsnya Abdul Wahid berkata: “Penempahan nombor pendaftaran kenderaan siri PNB adakah untuk kegunaan kenderaan-kenderaan PBN. Ini termasuk cawangan ASB bergerak, MPV Hotel PNB Perdana, dll dalam usaha mempertingkatkan penjenamaan PNB.”
Saya membalas: “Terima kasih. I’ll duly reflect your argument in my writing. But you may want to search your conscience whether spending RM173,800 for PNB1 is worth the publicty drive and the penjenamaan.”
I'm not sure whether buying the plate number was worth its branding purposes, but I believe it was a corporate decision by the PNB's management.
Maybe they had done their calculations well and decided it's worth spending.
It's a bit like Petronas spending hundreds of million ringgit in sponsorships for its F1 branding exposure. Some people said it's good, others said it's wasteful.
Lay person like me can't really tell, isn't it.
This also reminds me of back then when Sultan of Johor bought a special plate number at a considerable price. Many Johoreans came out in support of the Sultan when others said it was wasteful.
Anyway, I was actually more interested in what Kadir wrote about Wahid in that post.
I may got this wrong, but reading through it, I felt that Kadir was actually questioning Wahid's credibility.
excerpts ;
Dalam dialog WhatsApp yang lebih awal dengan saya, Abdul Wahid berhujah: “....I have been entrusted to lead PNB, this very important national institution. Brought in Rahman as CEO in October 2016. Unveiled our PNB Strategic Plan 2017-2022. Now focussed on execution. Alhamdulillah initial outcome has been encouraging with market capitalisation of our strategic companies increasing by RM25 billion in the first 5 months of 2017. Indeed RM226b of our RM266b funds under management come from 13 million unitholders. Will do my best for PNB & the country.”
Jawapan saya: “Thank you. Your reputation has been tainted by your membership of the cabinet. So it’s hard for me to accept at face value that you’ll go back to become a fine manager thay you once were. I hope and pray that you can. Wallahuaklam.”
Abdul Wahid membalas: “Aamin. As a beneficiary of the DEB, I accepted (the) invite to do true national service. I believe I have done my utmost for the country within the one senatorship term with full integrity and to the best of my ability. I believe I am more optimal in the corporate sector. Will do my best as the third Chairman of PNB.”
Kadir added,
excerpts;
Boleh jadi ada orang tidak setuju atau curiga kalau saya kata, saya melihat Abdul Wahid sebagai seorang pengurus perniagaan yang pintar, tekun dan boleh dipercayai.
Tetapi itu adalah sebelum dia digoda oleh kuasa dan kedudukan dengan menerima jemputan Perdana Menteri, (Datuk Seri I Mappadulung Daeng Mattimung Karaeng Sandrobone Sultan Abdul Jalil) Mohd Najib Abdul Razak, untuk menjadi anggota kabinet pada tahun 2013.
Well, with all due respect to Kadir, I think Wahid has not turned bad or is going to turn bad anytime soon.
The fact that he took the initiative to reply to Kadir's Whatsapp messages and was very transparent over the plate number matter shows that he is still his good self as he has always been.
If he had turned bad, I don't think he would be bothered to reply to Kadir, who is now a prominent anti-Najib blogger.
As pointed out by Kadir, Wahid was appointed to the Cabinet in 2013. I believe that's after the last general election.
Do note that everyone who was pro-BN or pro-Umno was supporting Najib at that time.
That's before the start of the war with Dr Mahathir two years ago.
I highly doubted that Wahid had in 2013 agreed to join the Cabinet because he felt that he could become rich by doing bad things with the power of a minister and such.
The guy doesn't seems to change at all from back then till now.
Simple and unassuming. At least that's how I see him.
I actually met Wahid recently and he told me that he has no political ambition whatsoever.
He said his stint in the Cabinet was purely for fulfilling his national duty.
He told me all that because I have been suggesting for him to contest the parliamentary seat of his hometown, Johor Baru. Current MP TS Shahrir Samad is past 70 and he doesn't seem to have a successor.
Wahid was actually horrified by my suggestion.
"That's exactly why I'm no longer in the Cabinet," he said with a little laugh.
Well, I thought having someone like Wahid as a candidate in JB was the best chance for BN to replace Shahrir there. BN still have over 10,000 majority there in the last election but in 2008, it had double of that.
Whatever it is, I still think Wahid is a good guy and PNB is safe with him at the top.
The guy doesn't seems to have an ounce of evil in himself.
I believe that he's one of those Johoreans who strictly follow the book and not stray from the right path.
A bit like former Johor MB TS Abdul Ghani Othman who is now heading Sime Darby, if I may add.
UPDATES
Apparently, Wahid took the trouble to send a reply to Kadir'.
I cut and paste this from Kadir's comment section as he had only put it there instead of making it as a proper update of his posting,
“Assalamualaikum wbt & salam sejahtera,
Saya dengan segala hormatnya merujuk kepada tampalan blog YBhg Datuk A Kadir Jasin 8 Julai 2017 berkenaan pembidaan nombor pendaftaran kenderaan siri PNB. Izinkan saya memberikan pencerahan berkenaan isu yang disebutkan.
1. Sebagai seorang ahli korporat, saya percaya bahawa penjenamaan korporat itu adalah penting untuk memperkukuhkan penambahbaikan secara fundamental sesebuah organisasi. Ini berdasarkan prinsip atau falsafah "Form without substance will not get you anywhere. But when you combine form with substance, you will go a long way". Falsafah korporat ini telah saya laksanakan dengan jayanya semasa menerajui Kumpulan UEM-Renong (2001-2004), Telekom Malaysia (2004-2008) dan Maybank (2008-2013).
2. Saya berbesar hati kerana telah diberi kepercayaan untuk menerajui Kumpulan PNB sebagai Pengerusi Kumpulan pada 1 Ogos 2016. Saya dan Dato' Abdul Rahman Ahmad yang telah dilantik sebagai Presiden & Ketua Eksekutif Kumpulan telah membentangkan Pelan Strategik PNB 2017-2022 pada 26 November 2016. Pelan ini mensasarkan PNB menjadi sebuah firma pelaburan distinktif bertaraf dunia dengan 3 teras strategi utama iaitu i. Meningkatkan Pulangan Secara Mapan; ii. Memacu Kecemerlangan Operasi dan iii. Pengurusan Pelaburan Berkesan . Pasukan PNB sedang giat melaksanakan Pelan Strategik ini dan Alhamdulillah, reaksi awal pasaran amat memberangsangkan dimana nilai pasaran 6 syarikat-syarikat strategik PNB telah meningkat sebanyak RM31 bilion untuk 6 bulan pertama 2017. Pasukan PNB juga telah berjaya melaksanakan migrasi sistem teknologi maklumat (IT) semasa cuti Hari Raya Aidilfitri baru-baru ini yang membolehkan transaksi unit saham amanah ASB/ASN, dll dilakukan tanpa menggunakan buku simpanan lagi. Ini telah memudahkan lagi pelabur untuk berurusan dengan ASNB.
3. PNB telah ditubuhkan pada tahun 1978 dan bakal menyambut ulangtahun ke 40 pada tahun hadapan 2018. Kami sedang dalam perancangan untuk memperkukuhkan jenama PNB. Kebetulan siri nombor kenderaan "PNB" ditawarkan oleh JPJ untuk bidaan pada bulan April 2017. Kami telah memohon daripada Menteri Pengangkutan supaya 25 siri nombor PNB (1,2,3,8,10,11,18,20,30,50,60,70,80,90,100,111,118,200,300,400,500,600,700, 800 & 900) dikhususkan kepada PNB tanpa pembidaan. Walaubagaimanapun kami telah diminta oleh JPJ untuk membida nombor-nombor tersebut seperti umum. Jumlah bidaan adalah RM336,059 berdasarkan purata bidaan nombor siri PMY,PMX dan PMW. Ia telah ditingkatkan kepada RM419,006 untuk memastikan PNB mendapat kesemua 25 siri nombor tersebut (purata RM16,760 untuk satu nombor). Nombor-nombor tersebut adalah untuk kegunaan kenderaan-kenderaan rasmi Kumpulan PNB termasuk cawangan ASNB bergerak, kenderaan Hotel-hotel PNB Perdana, PNB Merdeka 118, dll.
Saya dengan segala hormatnya merujuk kepada tampalan blog YBhg Datuk A Kadir Jasin 8 Julai 2017 berkenaan pembidaan nombor pendaftaran kenderaan siri PNB. Izinkan saya memberikan pencerahan berkenaan isu yang disebutkan.
1. Sebagai seorang ahli korporat, saya percaya bahawa penjenamaan korporat itu adalah penting untuk memperkukuhkan penambahbaikan secara fundamental sesebuah organisasi. Ini berdasarkan prinsip atau falsafah "Form without substance will not get you anywhere. But when you combine form with substance, you will go a long way". Falsafah korporat ini telah saya laksanakan dengan jayanya semasa menerajui Kumpulan UEM-Renong (2001-2004), Telekom Malaysia (2004-2008) dan Maybank (2008-2013).
2. Saya berbesar hati kerana telah diberi kepercayaan untuk menerajui Kumpulan PNB sebagai Pengerusi Kumpulan pada 1 Ogos 2016. Saya dan Dato' Abdul Rahman Ahmad yang telah dilantik sebagai Presiden & Ketua Eksekutif Kumpulan telah membentangkan Pelan Strategik PNB 2017-2022 pada 26 November 2016. Pelan ini mensasarkan PNB menjadi sebuah firma pelaburan distinktif bertaraf dunia dengan 3 teras strategi utama iaitu i. Meningkatkan Pulangan Secara Mapan; ii. Memacu Kecemerlangan Operasi dan iii. Pengurusan Pelaburan Berkesan . Pasukan PNB sedang giat melaksanakan Pelan Strategik ini dan Alhamdulillah, reaksi awal pasaran amat memberangsangkan dimana nilai pasaran 6 syarikat-syarikat strategik PNB telah meningkat sebanyak RM31 bilion untuk 6 bulan pertama 2017. Pasukan PNB juga telah berjaya melaksanakan migrasi sistem teknologi maklumat (IT) semasa cuti Hari Raya Aidilfitri baru-baru ini yang membolehkan transaksi unit saham amanah ASB/ASN, dll dilakukan tanpa menggunakan buku simpanan lagi. Ini telah memudahkan lagi pelabur untuk berurusan dengan ASNB.
3. PNB telah ditubuhkan pada tahun 1978 dan bakal menyambut ulangtahun ke 40 pada tahun hadapan 2018. Kami sedang dalam perancangan untuk memperkukuhkan jenama PNB. Kebetulan siri nombor kenderaan "PNB" ditawarkan oleh JPJ untuk bidaan pada bulan April 2017. Kami telah memohon daripada Menteri Pengangkutan supaya 25 siri nombor PNB (1,2,3,8,10,11,18,20,30,50,60,70,80,90,100,111,118,200,300,400,500,600,700, 800 & 900) dikhususkan kepada PNB tanpa pembidaan. Walaubagaimanapun kami telah diminta oleh JPJ untuk membida nombor-nombor tersebut seperti umum. Jumlah bidaan adalah RM336,059 berdasarkan purata bidaan nombor siri PMY,PMX dan PMW. Ia telah ditingkatkan kepada RM419,006 untuk memastikan PNB mendapat kesemua 25 siri nombor tersebut (purata RM16,760 untuk satu nombor). Nombor-nombor tersebut adalah untuk kegunaan kenderaan-kenderaan rasmi Kumpulan PNB termasuk cawangan ASNB bergerak, kenderaan Hotel-hotel PNB Perdana, PNB Merdeka 118, dll.
“4. Kami membuat keputusan berdasarkan apa yang kami fikir terbaik untuk PNB dalam jangkamasa panjang. Nombor-nombor tersebut bakal menjadi aset jenama PNB dan pembayarannya dibuat secara langsung kepada JPJ tanpa melalui mana-mana agen atau pihak ketiga. Untuk makluman, dana RM419,006 datangnya dari dana milik PNB yang berjumlah RM40 bilion bukan dari dana milik pelabur-pelabur ASNB yang berjumlah RM226 bilion. Jadi, pembelian nombor-nombor tersebut tidak akan menjejaskan pulangan kepada pelabur-pelabur sama sekali.
5. Untuk pengetahuan, Alhamdulillah saya selesa menggunakan kereta nasional Proton Perdana sebagai kereta rasmi dengan nombor pendaftaran W8D. Nombor tersebut adalah satu manfaat yang saya perolehi semasa berkhidmat sebagai Menteri di Jabatan Perdana Menteri (2013-2016). Sebagai seorang daripada keluarga miskin yang telah diberikan pendidikan dan biasiswa di bawah Dasar Ekonomi Baru, saya amat terhutang budi kepada Kerajaan dan Negara Malaysia. Sebab itulah saya bersedia berkhidmat selama satu penggal dan membuat yang terbaik mengikut kemampuan saya.
6. Saya bersama-sama Ahli-ahli Lembaga Pengarah PNB, Dato' Rahman dan barisan pengurusan PNB akan terus menjalankan amanah yang telah diberikan kepada kami demi kepentingan PNB, 13 juta pelabur-pelabur ASNB dan negara kita Malaysia. Sokongan berterusan rakan-rakan semua amat kami hargai.
Terima kasih & salam hormat.
AWO. 08.07.17.”
See, the guy is very pro-active and transparent.
Berbudi bahasa some more.
Wahid is cool, okay.
See, the guy is very pro-active and transparent.
Berbudi bahasa some more.
Wahid is cool, okay.
Hehe. Ghani the Benchmark!
ReplyDeleteThat old fart Kadir Jasin is kinda jerk publishing this supposedly personal and confidential exchanges in his blog without seeking his permission. How low can you go. No wonder even his own friends in high places ignore his text messages..
ReplyDeletei share the same sentiment as datuk kadir jasin.
ReplyDeletewhoever associated with the gov right now or with MO1, is tainted in my opinion and cant really be trusted.
i do acknowledge that he used to be one of my hero. a person i know personally work closely with him.
might be a jerky move publishing that whtsapp exchange, but as a commoner, i do appreciate the infos. ive been wondering about wahid lately too.
i feel like ur sentiment over all this wahid issue is those of minority compared to the vast majority who no longer trust the gov or any of the GLCs.
if u really need to spend some 300k for a plate number to boost PNB popularity and if that is considered as a good corporate decision, then Allah helps Malaysia. cause i myself could think of thousands ways to spend that money in boosting PNB image. hollywood artist should do this, but PNB is a GLC.
keyword really is: amanah.
Najib islam diangkat suci seperti nabi...maksum. Najib menyamun dan salahguna kuasa serta gemar rasuah dimulia sehingga kentut najib pun sewangi limau kasturi!!!
DeleteAdakah melayu islam?????
Adakah malaysia negara islam?
Singapura negara kafir, orang cina kafir dan makan babi. Namun Yeo dituduh rasuah dan dibicarakan. Duit rasuah jelas. INI NDGARA KAFIR NAMUN BERANI BEDTINDAK ATAS KEBENARAN SEOLAH MENGANGKAT ISLAM SEBAGAI CARA MENDAPAT KEADILAN.
MUFTI, AGAMAWAN....bangunlah dari tidurmu
Babgunlah dari alam fantasimu
Bercakap berfakta
Berbicara kebenaran
Mengapa membisu, memekak dan membuta....adakah ini ajaran islam?
Moneyface mappadulung and the looney macais will keep on breaking your heart watch out!
Deletehttps://youtu.be/zaAOvFD-mfo
This Kadir guy really goes all out as an anti estsblishment voice whether at the behest of someone or his personal views.
ReplyDeleteHardly a whimper from him about a very old person who now and then turn left, right, upside downside that to read his (the old man) motives is akin to tikam ekor!
That old man is turning in every direction.poor little old man.Happy 92nd birthday to the handsome old man
DeleteProf Kangkung
ReplyDeleteBulayu selalu manyak lupa lor rr .
178k for plate number . next question what is the cost of vehicle suitable for 178k plate number. sendiri pikiaq.
ReplyDeleteyang best plate number dah jadi rebranding , rebranding apa? organisation or chairman of the organisation? sendiri pikiaq
Annie,
ReplyDeleteLet's get this number plate issue into context.
I presume the number plate is the property of PNB to be used by its CEO on official company business.
It would be quite something else if it was purchased using PNB money to be kept and used privately.
Yes, I think it is wanky to have such number plates but apa bolih buat? It is a disease shared amongst car owners anywhere and everywhere.
CEOs of companies do tend to guilty of pushing the marketing of their companies a bit far, but then, that is their job I guess.
Wahid Omar sounds like an interesting person.
There are not many people who would walk away from a safe seat with a 10,000 vote majority.
But then, why would he want to give up a nice cushy job at PNB to re-enter the cesspit that is Malaysian politics?
Gladiator
For once I do agree with you on the plate number issue.As long as it belongs to PNB it doesn't matter to me.Afterall,unique plate number is a form of investment too
DeleteProf Kangkung
No matter how much PNB paid its fancy plate number, the money will end up in government's coffers eventually. Keluar poket kanan masuk poket kiri. So what the fuss?
ReplyDeleteAt least the gomen can use that extra money to buy more fuels for government's jet so that our VVIP could go for much longer holiday at the end of the year.
Anwar went campaining using a private plane lend by his friend.I wonder if his friend expects nothing from him
DeleteNajib have done that 1000times worse
Delete"Petronas spending hundreds of million ringgit in sponsorships for its F1 branding exposure"... is different, Annie.
ReplyDeletePNB doesn't hold any spectacular international event which was telecast the world over.
I'm sure 'PNB 1' would be used as the registration plate number of PNB's official no.1.
And.... I'm sure too that PNB must have paid for many other fascinating numbers for... "untuk kegunaan kenderaan-kenderaan PBN. Ini termasuk cawangan ASB bergerak, MPV Hotel PNB Perdana, dll dalam usaha mempertingkatkan penjenamaan PNB.”
DeleteBulayu semua sutak rusak maa aa ,apa lagi bolih halap lor rr.
Kalau Bulayu leader semua kasi hantam balik sama Bulayu and negala Bulayu 'Malaysia' siapa mau kasi halap maa aa.
Apa-apa itu peluntukan untuk Bumiputla ,semua Bulayu leader kasi hantam , Lumah
Tanah
Kepentingan lalam itu pelaburan ,TH
FELDA ,FGV
Syrikat GLC yang Bulayu ada satu-
satu kasi habit lor rr.
Bulayu ada siapa mau kasi adu ?????.
Semua pagar yang bolih kasi halap ,itu pagar yang makan semua itu padi maa aa .
If you voted UMNO then you are voting for kleptocrat
DeleteIf you voted for opposition then you are voting for a change, a better hope and better malaysia
DeleteIni kali mesti ubah maa aa , mana bolih tahan maa aa semua benda kasi hanchur maa aa .
Where the truth is being ignored and lies being acknowledged.
ReplyDeleteHonour, loyalty and being genuine no longer exist. What's happening to you, my dear friend?
But, don't you worry, as they are still a few that haven't lost hope.
There are still a few that will sacrifice for our future generations.
A few that will change things from within.
The vision is clear. Now is the time to implement it. Vision without execution is a hallucination. Stay strong my friend.
You'll be ok. You're fortunate to have friends such as Sabah, Sarawak and other places. Be kind to them.
Respect them. Unity is the key to success.
I wish you all the best and I will always pray for your stability Malaysia.
From your friend and a good partner, Johor. The humble servant of the Sultan of Johor and the state of Johor.
Melayu screw Melayu. Popcorn time...
ReplyDeleteNajib is a malay that screws another melayu
DeleteWe have to fight this kleptomaniac as a duty and not as a hobby
Najib is Bugis pirate who screw Melayu, India & Cina.........
DeleteAn open letter to the Johor crown prince Tunku Ismail Ibrahim:
ReplyDeleteDear Tunku,
I teared when I read your open letter yesterday.
I teared because I too once lived in the Malaysia you were talking about. A Malaysia filled with optimism and pride. A Malaysia where we stood tall in the eyes of the world. A Malaysia where corruption was not the norm of the land. A Malaysia where cultures were preserved and celebrated as a symbol of unity, not division. A Malaysia for all peace-loving Malaysians, not for the corrupt power hungry elites.
Unfortunately, today, we are losing our beloved Malaysia. We are losing our beloved identity. We are losing our beloved home.
Dear Tunku,
There might be those who question you for speaking up. Those who pat your back at first, but stabs it at another. Those who are skeptical of your motive. I for one will challenge and confront them. I do this not because I am forced to, but because I want to. It’s not a matter of blind loyalty, but a matter of faith in your struggle. I have had the privilege of meeting you on multiple occasions, and in all of them you’ve always been consistent in expressing your deep concern of Johor and Malaysia. You’ve been consistent in criticizing both the government and the opposition, and for that reason, I admire that.
While I tear for what the power-hungry elites are doing to our beloved country and state, I harbor a great sense of optimism for our future with people like you, who dare speak truth to power. While I have lost hope in the corrupt, scandal-ridden, Kleptocratic elected government, my hope in Malaysia and Johor is regained knowing that there are brave and courageous leaders like your good self who will not kneel to the corrupt power structures.
As a Johorean, I am deeply honoured to have you as my crown prince, and my future sultan/king. Keep on fighting the good fight.
A fellow Malaysian,
A fellow Bangsa Johor,
Syed Saddiq, PPBM
Syed saddiq dgn Hamidah apa kes?dah settle ke
DeleteProf Kangkung
Thanks for the update Annie.
DeleteNak dengar apa pulak kata pihak sebelah sana
Prof Kangkung
Never admire Wahid. Tanya orang Telekom, apa dia buat semasa jadi CEO Telekom, sudah cukup. Itu menara pucuk rebong, ibu pejabat TM, siapa punya sekarang.....???
DeleteAll because he wanted a beautiful end of the year report with billions of profit.
Sekarang mahu nombor plate yang cantik.....HEHEHE.
Typical of him.
Najib dengan DOJ apa kes? Dah settle ke
DeletePencacai
Kangkung jilat china
DeleteAnon 1114?
DeleteSo apa cerita Najib dgn DOJ?pls enlighten me.
Prof Kangkung
Pros Kangkang July 2017 at 07:25
DeleteOur confirmed 24 billion missing stolen by Najis & Badak Air Gemok dah settle ke, macai penjilat o?
Kih kih kih.......
Selagi boleh jilat, jilat lagi sampai kering
ReplyDeletePros Kangkang bole jilat, tapi Treasury dah kering.......mana nak dapat dedak lagi?
DeleteFROM SPAD - ISA SAMAD WILL STEAL OUR MONEY & PASS TO NAJIS TONG ROSAK.
Cayalah......
Fool, try to invest in things that are not going to present itself as vain, given the context of the economy of today's Malaysians
ReplyDeleteWahid ingat the minute some rich malaysian see his number plate he will be so impressed that he will invest his millions?
ReplyDeleteOr some average malaysian joe will further invest upon seeing the number plates pass by some malaysian road or parking lot?
Not everybody is a Kangkung Prof or a Md.Zin who is easily impressed or spinned out like Rocky
Annie. If you do meet Wahid again, the advise you should give to him to show his gratefulness to DEB is "Jangan jadi bodoh".
More effective to spend 3 to 400K on something else for branding.
Wahid ingat the minute some rich malaysian see his number plate he will be so impressed that he will invest his millions?
DeleteBetullll.......waste of money for ego purpose.
PNB plate number: Very good branding, not wasting money and can be kept for hundred years to come.
ReplyDeletePNB direction: Focus on ROI but since it is technically under government with public money, national interest is the priority and the bumiputra agenda should not be ignored.
PNB return: If possible, give higher dividend or give one time special bonus to account holders (like what happened in 1990 I guessed). Otherwise it is just routine dividend.
PNB investment: Don't be too risky. Also get opinion from the ground (industry professionals and practioners), not just analyzation on papers. Cautios in investing overseas due to fluctuation of RM.
PNB CSR: Should be more prominent. Help the needy including housings. Make rakyat feel happy. Some millions are not that much as compared to overall asset. Don't be so strict. We Malaysians are good, nice and friendly people.
PNB image: Now is good