AMMB HOLDINGS BERHAD

Malaysia | 1015.KL | Main

By Sustify.world AI model | 2025-05-21
AMMB Holdings Berhad, an investment holding company, engages in the provision of various financial products and services to retail, corporate, and institutional clients in Malaysia. The company offers deposits comprising saving, current, fixed deposit, and foreign currency accounts; auto, mortgage, personal, housing, and business loans, as well as credit cards; wealth management, bancassurance, remittance, and merchant business solutions; and capital expenditure and working capital financing; digital and cash management; debit cards; online and mobile banking; and contract financing, development loans, and project financing. It also provides corporate lending, investment banking advisory, trade finance, offshore banking, financial market, and hedging solutions; sells and trades fixed income, interest rates, foreign exchange, money market, equity derivatives, commodities, and other derivatives; and corporate finance mergers and acquisitions advisory, equity and debt capital market, private banking, and stockbroking services. In addition, the company offers fund management solutions for managing a range of investment mandates, unit trust funds, and real estate investment trusts for individuals, corporates, and institutions; fund distribution support services for institutional distributors; manages private retirement schemes and exchange traded funds; and engages in the provision of bancassurance, general and life insurance solutions, and takaful products, such as wealth protection/savings, health and medical protection, and family takaful solutions. Additionally, it offers Islamic banking services; manages and private retirement schemes; distributes Islamic wholesale funds; invests in properties; and provides securitization of mortgage loans, nominee, and internet and mobile banking services, as well as offers outsourcing services for mortgage related activities. The company was incorporated in 1975 and is headquartered in Kuala Lumpur, Malaysia.

Reference

Report Year: 2024
Source Files: AMMB_Integrated_Annual_Report_2024_(Part_1).md, AMMB_Integrated_Annual_Report_2024_(Part_2).md, AMMB_Sustainability_Report_2024.md

Sustainability Committee

Sustainability Committee (Unknown pax) 🟢

  • 8 Board meetings 🟢
  • 4 RMC meetings 🟢

Reporting

GRI, TCFD, Separate Report 🟢

GHG Accounting

AMMB Holdings Berhad demonstrates a structured approach to GHG accounting with reported Scope 1 (65 tCO₂e), Scope 2 (17,368 tCO₂e), and Scope 3 (1,231 tCO₂e) emissions for FY2024. A 36% reduction against the 2019 baseline for Scope 1 and 2 is commendable, supported by energy efficiency initiatives. However, the absence of detailed GWP basis and standard (e.g., GHG Protocol) limits transparency. Third-party verification by SIRIM QAS enhances credibility for selected data, but full verification is needed. Scope 3 reporting, while initiated, lacks comprehensive coverage of financed emissions, which is critical for a financial institution. Improvements could include adopting a recognized standard and expanding Scope 3 inventory to fully capture portfolio impacts.

Emissions

Scope Value Note
Scope1 65 tCO₂e 🟢
Scope2 17,368 tCO₂e 🟢
Scope3 1,231 tCO₂e 🟢
Biogenic emissions Not applicable → No biomass or biofuel usage reported.

Other Details

  • Base year: 2019
  • Boundary inventory: Operational control for Scope 1 and 2; employee travel and waste for Scope 3
  • Gwp basis: Not specified
  • Standard: Not specified
  • Data collection approach: Internal tracking and licensed climate assessment tools
  • Third party verification: Partial (SIRIM QAS International for selected disclosures)
  • Carbon intensity: 4.1 tCO₂e/RM mil, partially verified 🟢

Efforts

  • 36% reduction 🟢
  • 16,360 kg waste diverted 🟢
  • Renewable energy adoption 🌞
  • Energy-efficient systems 🌱

Social Highlights

  • 24,913 homes supported 🟢
  • 17,229 beneficiaries aided 🟢
  • 200 MSMEs trained 🟢
  • 104 training hours/employee 🟢
  • 168 microentrepreneurs supported 🟢

Governance

  • Salary disclosure: Disclosed 🟢
  • Litigation: Can’t find ⚠️

Report Quality

Commendable effort by AMMB Holdings Berhad in their FY2024 Sustainability Report 🟢. The report provides a solid foundation with quantifiable metrics like a 36% GHG emission reduction against the 2019 baseline and RM3.022 billion in green financing. Measurable outcomes such as third-party verification by SIRIM QAS for selected disclosures enhance credibility. Forward-looking commitments, including a Net Zero target by 2050 and a transition plan for hard-to-abate sectors, are promising. However, gaps remain with limited transparency on GHG accounting standards and incomplete Scope 3 data, particularly for financed emissions ⚠️. Generic statements on sustainability commitment occasionally lack supporting evidence. To improve, AMMB could incorporate full third-party verification, adopt a clear GHG reporting standard, and expand Scope 3 reporting to reflect portfolio impacts. Overall, the report is comprehensive but would benefit from deeper specificity and broader data validation.

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This is AI model generated summary based on certain rules set by Sustify.world perspective. If the reader finds the information is incorrect, they can always approach us by sending email admin@sustify.world.

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