MBSB In The News 15 draft 17.03.2016

January - March 2016 ISSUE 15 ALL & ABOUT Quarterly Newsfeed KDN: PQ/PP1505 (18155) FEATURE ARTICLE 8 Ways Procrastination Can Destroy Your Life UP CLOSE & PERSONAL Sheela Thaver Deputy Vice President Legal Division FEATURE HEALTH The Importance of Keeping Fit and Eating Healthy All & About MBSB 1

January - March 2016 ISSUE 15Editor in-Chief’s Note financial institution that has the bragging rights to say they have been around since 1950!Dear Everyone and Assalamualaikum! Moving on to this issue, presenting to you ourWithout us realizing, an energetic first quarter has new corporate branding featured on the cover,come to an end. I must say that there is nothing an image we have carried through from ourmore meaningful than for us to be grateful to the previous corporate branding but with a hint ofAlmighty for his countless blessings, allowing us to fresh air, reflecting our continued endeavor tocontinue to be well and able to earn a living. deliver innovative financial solutions. Get to knowAs you have noticed, we have jumped into the the Deputy Vice President of Legal Division, Ms.e-newsletter bandwagon, a decision made by the Sheela Thaver and find out how procrastinationEditorial team in support of the company’s cost steals dreams and has far more damaging effectscutting exercise. With the emplacement of this than you may realize in our feature article “8 Waysnew initiative, which is in line with the company’s Procrastination Can Destroy Your Life”. Also, doobjectives, it is hoped that you will continue to look out for our new column, Grammar Police forsupport our tree friendly (and of course, cost those in need of a refresher in their English skills.friendly) newsletter.Speaking of costs and in view of a challenging Azlina Mohd Rashadeconomic environment, as employees of MBSB weneed to be more sensible and prudent in our dailyutilization of company’s assets and expenditure.Optimum usage of electricity, printer and paper forexample, can be our starting point in supportingthe company in its efforts to reduce operationalcosts. Never take these small measures as havinglittle impact as collectively (consider our workforceof 1,380 staff), such small steps can go a long way.In reference to the merger discussions withshareholders of Bank Muamalat that did notmaterialize into a corporate exercise, it isimportant to remember that the intention wasto put MBSB on a banking platform with the bestinterests of the shareholders in mind. Irrespectiveof the company’s status in the industry, our vigorand determination to enhance company’s valueshould continue. Really, there may not be another CONTENTS EDITORIAL LINE-UP We invite submission of articles, stories and pictures. Please contact 02 Editorial Line-up PATRON editorial team at: Editor in-Chief’s Note YBhg. Tan Sri Abdul Halim bin Ali [email protected] 03 From the President’s Desk Chairman Tel +603 - 2096 3230 04 News Flash Malaysia Building Society Berhad (MBSB) 05 Feature Article ADVISOR Wisma MBSB, 48 Jalan Dungun 8 Ways Procrastination Can YBhg. Dato’ Ahmad Zaini bin Othman Damansara Heights Destroy Your Life President & Chief Executive Officer 50490 Kuala Lumpur 06 Highlights 08 Up Close & Personal EDITOR IN-CHIEF Log on to MBSB Intranet and give us your Sheela Thaver Azlina binti Mohd Rashad feedback on MBSB In The News by filling Deputy Vice President up the Newsletter Satisfaction Survey Legal Division EDITOR 09 Updates from HCD Zuhaznim binti Izzuddin Employment Law & Handling Of Domestic Inquiry COORDINATOR 10 Updates from HCD Umi Khairani binti Abu Kasim The INSPRO 11 Grammar Police GRAPHIC DESIGNER Iskandar bin Fadzillah 12 Sports Club 13 Feature Health EDITORIAL TEAM The Importance of Keeping Fit Mohd Hafiz bin Abdul Ghani and Eating Healthy Raja Nong Maimunah binti Raja Kobat Salehuddin Shaliza Azlin binti Mohd Shamsuldin Rosni binti Abdullah Mohamad Dhirar Azwar bin Mohd Nadzri 14 Did you know? Inspirational Citation Know your teammates - Johar Alimon If you can’t fly then run. If you can’t run then 15 Brainsqueeze ‘walk. If you can’t walk then crawl. But whatever2 MBSB in The News ’you do you have to keep moving forward. Martin Luther King Jr.

January - March 2016 ISSUE 15 From The President’s Desk DATO’AHMAD ZAINI OTHMAN PRESIDENT & CEOSalam EveryoneI wish to take this opportunity to highlight the two major events that have unfolded recently. Weannounced the company’s financial results for the last quarter of 2015 on 24th February and twoweeks later, the intention to raise capital of up to RM2.0 billion. In relation to the results, MBSBregistered RM355.0 million of Group PBT, a significant reduction of 61.9% from the previousyear of RM932.6 million. The drop in the company’s bottom line is largely due to the impairmentprogram that was initiated in late 2014. This is indeed a painful exercise for us but critical in orderto close the gap on the impairment standards. The financing assets impaired are also primarilylegacy accounts which are to put simply, accounts originated prior to 2009.It is important to emphasize not only for profit purposes profitability and furtherthis point as the transformation but for the creation of a strong reduction in operational costs.program, Taking MBSB to the balance sheet. We need to continue sustainNext Level, was embarked the company’s revenue andupon in April 2009. Prior to the We commit to complete the profitability levels.transformation, the company impairment program by endhad lacked substantially in terms of 2017. Our operating profits I ask that all staff support theof quality credit underwriting can absorb these impairment initiatives that we put forward.due to the absence of CCRIS, losses, hence the proposed There may be hardships uponproject technical assessments exercise to raise capital of up us, sacrifices even but they areas well as an effective risk to RM2.0 billion is essentially very important to help managemanagement, just to name a to help MBSB meet BNM’s and overcome the risingfew missing factors. Hence, an prudential requirements. These challenges faced as we operateambitious and aggressive plan requirements do translate to our financing business in thewas needed to turn around higher compliance and funding absence of a banking license.MBSB and ensure return to costs. Consequently we willthe shareholders. We need to navigate the year placing Wassalam, thank you.behave and operate like a bank greater emphasis on product Ahmad Zaini Othman All & About MBSB 3

January - March 2016 ISSUE 15 All the latest in MBSB news, events and happenings MYRUMAH PROPERTY SHOWCASE GROUP PROFIT BEFORE TAX Kuala Lumpur, January 2016 Berhad. In addition, the event 2015 - The inaugural MyRumah also featured exclusive talks Property Showcase is organised from 19 renowned speakers and4 MBSB in The News by the New Straits Times Press real estate experts with years (Malaysia) Bhd in collaboration of experience and knowledge with Andaman Group. The on local property, real estate three day event, was held on 8 - and investment scenes. 10 January 2016. Apart from increasing product The event featured a wide awareness, activities at MBSB range of offerings from 10 booth include spinning the exhibitors namely, Andaman “Wheel of Fortune” giving the Group, Glomac, UMland, PNB, opportunity to win attractive Seriemas, D’sara Sentral, LBS, prizes. UDA Holdings, Jotun and Malaysia Building Society MBSB ACHIEVES RM3.05 BILLION IN REVENUE FOR FYE 31 DEC 2015 Kuala Lumpur, 24 February The Group’s net impaired 2016 - MBSB Group announced financing ratio which stood its 2015 full year results which at 2.81% as at 31 December posted pre-tax profits of 2015 is a marked reduction RM355.03 million on the back from 4.05% recorded in the of RM3.05 billion in revenue for preceding year 2014. It is also a the twelve (12) months ended progress of 0.41% from 3.22% 31 December 2015. The Group’s recorded as at 30 September fourth quarter revenue grew 2015. The company’s revenue by 7.51% or RM57.66 million as remains largely contributed compared to RM768.03 million by retail financing assets, in the preceding quarter. however Dato’ Ahmad Zaini Group’s total assets of RM41.09 informed corporate segment billion as at 31 December 2015 has also increased its income registered a growth of 9.09% contribution. The company or RM3.42 billion from RM37.67 had continued its support for billion for the previous financial the Government’s initiatives to year. Gross loans and financing increase supply in affordable growth also shows an improved housing units and this was trend of 4.38% from RM33.81 achieved by securing financing billion in the preceding third for several projects nationwide. quarter to RM34.11 billion New business in equipment in the fourth quarter 2015. financing has also shown The company continued to revenue growth, resulting in achieve an impressive low cost the establishment of another to income ratio of 22.66% for two processing hubs, each in financial year 2015, which is a Northern and Southern region. further improvement of 0.19% from 22.85% in the preceding quarter.

January - March 2016 ISSUE 15 ARTICLE Ways ProcrastinationCan Destroy Your Life You will lose precious time Uncover the root cause behind your Poor decision making has huge negative procrastination if it’s preventing you from e ects on our happiness, results and life. e worst thing about procrastinating achieving your goals, otherwise you will neveris the moment you realize that you are two, attain them. You will damage your reputation ve or ten years older and nothing has You could ruin your careerchanged. Where did all the time go? is is a When you keep saying you will doterrible feeling because you can't turn back e way you work directly a ects your something and you don’t, your reputationthe hands of time, you just have to live with results, how much you achieve and how well inevitably gets tarnished. Nobody wantsthe helpless feeling of regret. ere is you perform. empty promises.nothing worse than feeling frustrated atyourself, knowing the situation could have Perhaps procrastination prevents you from Besides damaging your own reputation, youbeen so di erent…if only you had taken meeting deadlines or achieving your monthly are damaging your self-esteem andthat rst step! Don't do that to yourself, you targets. What consequence will this eventually self-con dence. You will nd that it getsdeserve what you desire. have on your career? You might miss out on easier to procrastinate each time because promotions or worse; you might even be at risk you are not surprising yourself anymore. You will blow opportunities of losing your job. You can try to hide it for a People could stop depending on you and while, but don’t doubt that long-term hold back on o ering you opportunities How many opportunities have you procrastination at work will almost certainly because they could be worried that you willwasted because you didn’t take advantage ruin your career. simply procrastinate and they will be left toof them when they were there? is is when clean up the mess.you really want to kick yourself. Don’t undermine your own performance unnecessarily. A bad reputation has multiple, underlyingWhat you don’t realize is that the negative e ects.opportunity could have been life changing, You will lower your self-esteembut you missed out on it. Most You will risk your healthopportunities only come around once; you is is one of the vicious circles youare never guaranteed a second chance. might nd yourself in. We tend to Procrastination is linked to stressOpportunities are the world’s way of giving procrastinate sometimes because of a low and anxiety, and these in turn are linked toyou more, do yourself a favor and grab them self-esteem, but procrastinating doesn’t only health issues. If your procrastination leadswith both hands! reinforce this, it makes it even lower. to feelings of depression, over time this depression will start to a ect other areas of You won’t be able to meet You start to doubt and question what is wrong your life. goals with you. You might desperately ask yourself, “Why can’t I just do it?” If you procrastinate too much withProcrastination seems to come on with full something, it will most likely start to stressforce when we entertain the thought of Having low self-esteem destroys lives in many you out and cause anxiety, especially whengoals, of wanting to achieve or change ways. When we have low self-esteem we hold other people or things are involved. Studiessomething. You might have a strong desire ourselves back, we feel less than we should and show us more and more how damagingto change, but you just can’t seem to take it leads to self-sabotaging acts. Procrastination stress and anxiety are for us, with stressthe rst step forward. eats away at your con dence, slowly but surely. being the silent killer. If this resonates with you, focus on building is is normally really confusing and your self-esteem instead of holding on to the Another way that procrastination can a ectperplexing; you might nd yourself illusion that you should be able to do your health is when you continually put othinking, “Why is it so hard to go for something, as this makes you force yourself check ups, and postpone appointments orsomething that I want so badly?” Only you when you are not ready. things you need to do, such as exercise. ecan answer that; you’ll have to explore a problem only gets worse and thelittle deeper into the resistance. You will make poor decisions consequences more dire.We set goals because we have a deep desire When you procrastinate and make Remember that procrastination is like ato better our lives in some way. If you don’t decisions from this standpoint, they are almost habit, it is really hard to kick, but it cando this because of procrastination, you always going to be poor decisions because of make or break you!destroy the possibility to better your life. the place you are coming from. When you procrastinate, you make decisions based on We are all guilty of procrastinating at some criteria that most likely wouldn’t be there if you point or other; no one is a stranger to it, didn’t procrastinate, like pressure to nally right? Some of us might be lucky enough to make a decision because time is running out. identify it in time and still do something Emotions heavily in uence the decisions we about it. Unfortunately for others, it steals make and procrastination a ects how we feel dreams and can even destroy lives. to a large degree. All & About MBSB 55

January - March 2016 ISSUE 15 H!GHL!GHTS 2 TOWNHALL MEETING 6 January 2016 - Dato’ Ahmad Zaini held a townhall meeting and MBSB’s first Corporate Video was previewed during the meeting.MBSB IDOL 2016 ‘PROGRAM SURAU AN NUR KHAS BUAT MUSLIMAT’2 January 2016 - Judging panel for MBSB Idol2016. From left Ahmad Shah, Halida Mazlin and 8 January 2016 - Ustazah Fatimah Syarha sharing session with MBSB Muslimat staff onRonnie Hussien. ‘Kefahaman tentang Fiqh wanita’.13 5 MBSB SPORTS CARNIVAL – NORTHERN REGION 9 January 2016 - MBSB Northern region staff giving their full commitment during the Northern Region Sports Carnival held at Bayview Beach Resort, Penang.MYRUMAH PROPERTY MBSB 2015 ANNUAL REPORTSHOWCASE PHOTO-SHOOT SESSION8-9 January 2016 - MBSB staff promoting 14 January 2016 - Dato’ Ahmad Zaini posedMBSB’s products during the MyRumah Property for the camera during the MBSB 2015 Annual Report photo-shoot session for the SeniorShowcase at Balai Berita NSTP, Bangsar. Management.46 8 BACK-TO-SCHOOL PROGRAMME - PERAK REGION 15 January 2016 - En Zulkifli Ismail, Regional Manager of Perak Region, handed over school necessities bag to students of SK Kuala Pari under Back-to-School programme. FOOD FOR HOMELESS PROJECT CERAMAH USTAZ AMRAN 15 January 2016 - MBSB staff (Group 8) 18 January 2016 - Staff at MBSB’s Head office volunteering for Food For Homeless activities. listening attentively to Ustaz Amran Yusoff with on “Umurku Bertambah, Amalanku…” 76 MBSB in The News 9

January - March 2016 H!GHL!GHTS ISSUE 15 12 Super Spy Hunt10 SARAWAK REGION SPORTS DAY 30 January 2016 - A group photo of the Super & DINNER Spy Hunters before they flagged off for their first clue. The treasure hunt routed from Kuala 23 January 2016 - En Asrul Hazli Salleh, Lumpur to Johor Bahru. President of Kelab Sukan MBSB and En Mohd Zulkiflee Jaafar, Vice President of Kelab Sukan MBSB at Sarawak Region Sports Day held at Damai Puri Resort Santubong in Kuching. INSPRO 26 January 2016 - Introduction by En Abdul Rahim Ahmad, Vice President, Human Capital Division during the In Service Programme (INSPRO) for new employees. 11 15 ANALYST BRIEFING13 MBSB SABAH REGION SPORTS 26 February 2016 - Analysts paying attention to Dato’ Ahmad Zaini Othman, during the DAY annual FYE 2015 analyst briefing held at Hilton Hotel Kuala Lumpur. 6 February 2016 - Teams competing in tug of war during MBSB’s Sabah Region Sports Day held at Beringgis Beach Resort, Papar, Sabah. MBSB EAST COAST SPORTS DAY 13 February 2016 - East Coast staff takes aim during an archery competition held during MBSB’s East Coast Sports Day 14 18 ASTRO AWANI16 FOOD FOR HOMELESS PROJECT xx March 2016 - xxxxxxxx xxxxxx xxxxxxxx 26 February 2016 - MBSB staff (Group 9) volunteering for Food For Homeless. Menu for the night are mix vegetables, steamed white rice, croissant and vita coco. MAJLIS APRESASI DAN PENYAMPAIAN WATIKAH PELANTIKAN 15 March 2016 - Dato’ Ahmad Zaini being appointed as CEO Faculty Programme during Majlis Apresasi dan Penyampaian Watikah Pelantikan held at Hilton KL. 17 All & About MBSB 7

January - March 2016 ISSUE 15 “LIVE A “ PRUDENT LIFE. Sheela Thaver Deputy Vice President Legal Division What is your background? Do you have any hobbies/ interest? Born and bred KL ite. Fourth in the family - 3 Jungle trekking boys and 2 girls. Colourful and fun childhood. Primary school in SRJK Jalan Selangor in Old What is your most enjoyable moment in Town PJ. For those not familiar it was located MBSB? behind Assunta Primary. My secondary was Laughing with my colleagues. They’re a fun in Petaling Jaya near my home, SMJK Kelana bunch. There’s always laughter when we’re Jaya. together. Did my “A” Levels foundation in law whereafter I joined the work force as a legal secretary. I What accomplishment are you most proud took up the University of London (External) of? Degree and thereafter the Certificate in Legal I t ’ s o ng o i n g . My children, watching them Practice. Did my chambering and continued develop and trusting them to know what is practice with M/s. Adam Bachek & Associates right and wrong. where I was exposed to various areas of the law. Thereafter I joined MBSB. In between all What do you do to unwind? this I got married and had three children, the Watch a light comedy. The most recent was last after joining MBSB. ‘The Intern’ with Anne Hathaway and Robert De Niro. Do you know what your busiest day ever was? What’s your favorite book? Every day is a busy day but the busiest are I love all books. those days with tight timelines and 101 things to do. For example during the merger What’s your favorite movie? exercises. I have to say thank you to the staff My most Favourite of all time …ummmmm.. at Legal Division for they never failed to okay … deliver despite the pressure put on them. Sound of music, I know yes yes ….do ..re.. mi.. The funniest nick name anyone has given What is the best philosophy you live your you? life by? Funniest would be The BLOB. Yup. It was a Live a prudent life. Take each day as it comes, nickname given by my siblings for obvious be thankful and appreciate those around you. reasons. Word that comes to your mind to describe Describe yourself in THREE words? the following statement: Pragmatic – I tend to be grounded and A. A team member’s most desirable trait. realistic. Trustworthiness Where is your favorite place on earth? B. High performance team Use to be my room but now it’s everyone’s favorite room. Dedicated C. Propelling MBSB Further and Beyond Name something about yourself that would surprise people? A strong leader I love collecting recipes and just like my hubby and kids often tease : maybe someday she’ll (I’ll) actually try them out. Ha! Ha!8 MBSB in The News

January - March 2016 ISSUE 15EMPLOYMENT LAW President of Human Capital Division conducted this one-& HANDLING OF day program for middle level managers and Heads of Sales &DOMESTIC INQUIRY Services. A total of 50 managers attended the program which was held at the Training Room, Wisma MBSB.Many employers failed to manage the process of handlingmisconducts. Such inability to manage the process well The objectives of this program are as follows :-always result in awards being ordered by the Court in • To have better understanding of the basic principles offavour of the employees. Effective Industrial Relationsmanagement is more vital today as businesses are becoming disciplinary procedures and requirements of domesticmore complicated and people’s awareness on the process inquiry prior to dismissal;of law is increasing. Gone are the days when employers • To have a working knowledge on how to conducthave the upper hand in dealing with the process of exiting investigation and domestic inquiry in accordance with theemployees from the Organization. If not managed well, it principle of Natural Justice;can be a costly affair to the Company. • To understand what are the salient points in the process of domestic inquiry;Managers get things done through the efforts of others. • To help participants prepare reports on the process ofThe Operations Manager matches resources and workers domestic inquiry;to produce the best quality of product and services, theMarketing Manager works through Sales Representatives in The other objective of the program is to train and prepare asorder to sell the Company’s products. Line and functional many personnel to be conversant in the process of domesticmanagers are essentially responsible for achieving their inquiry. These staff will eventually become a permanent poolmanagerial goals. But we must not forget that the line of people who are skillful, knowledgeable and capable ofmanagers are also the HR Managers and therefore they are conducting domestic inquiries. As the staff came from acrossalso equally responsible for managing their staff. the country, future domestic inquiries involving outstation staff will be conducted at outstation locations instead ofManagers too have responsibilities over personnel-related flying the personnel to Kuala Lumpur. This is in line withactivities. This makes the role of the line managers even the cost cutting initiative currenty being undertaken by themore challenging. Industrial Relations’ personnel normally Company.act in an advisory capacity, working with other managersto ensure harmonious working relationship between the During the program, all the participants were exposed toManagement and staff. the fundmental issues in handling a domestic inquiry (DI). They were taught on how to become a DI panel as well as theApart from being well-versed with their own technical Disciplinary Committee. The facilitator also walked throughmatters, the line managers are also expected to have a with them on how to conduct the prelimenary investigationworking knowledge of the rules and regulations pertaining as well as preparing the report for submission to theto labour and indusrial relations matters. In line with Management. It was a highly interactive class where most ofthis, a program entitled “Employment Law & Handling of the participants participated in the discussion. The facilitatorDomestic Inquiry (ELHDI)” was organized by Human Capital also went through a number of court cases and case laws inDivision on 23 January 2016 to address the key issues in order to enhance their understanding. Mock DI session wasMalaysian employment law and provide practical guidance also incorporated into the program in order to give a hands-onon employment issues. Encik Abd Rahim Ahmad, Vice experience to the participants. All & About MBSB 9

January - March 2016 ISSUE 15 The INSPRO In Service Program for New Employees (INSPRO) for the first batch of 2016 was held from 26 - 27 January 2016 at Hotel Istana, Kuala Lumpur. The program, organized by Human Capital Division was attended by a total of 100 new employees nationwide including staff from the Central Region, Northern Region, East Coast Region and Sabah Region who joined MBSB since March 2015 until January 2016. The INSPRO is designed for MBSB’s new staff and at the end of the program, they should be able to understand the rules and regulations of MBSB, have an awareness of integrity and responsibilities, be familiarized with all of MBSB products and services in the market and last but not least, get acquainted with YBhg. Dato’ President and Chief Executive Officer and the Senior Management team. Selected Heads of Division were invited to give a brief description of their respective division’s roles, organization structure, products and services in a separate session with the participants. In addition, other activities were also carried out in the INSPRO, like the icebreaking session with fellow new staff where they had the chance to network and get to know each other at one central point. On the second day of the program, the INSPRO participants met with Dato’ PCEO at a special luncheon. SL1M participants also attended this session, the purpose of which was to welcome participants from both programs and to induce cordiality between new staff and management. During the luncheon session, Dato’ PCEO remarked on the continued decline of oil prices and the weakening of the ringgit have affected the country and indirectly marred our business. Hence, he asked all staff to persevere with dedication, loyalty and commitment while improving our productivity as well as efficiency in order to sustain our existence during this challenging period.10 MBSB in The News

JaJannuuaaryry- -MMaarcrhch22001166 ISISSUUEE1155 TOP10GRAMMAR OFFENCESLack of subject verb agreement 1 6 Using the wrong pronoun Subjects and verbs must agree in number. Incorrect: Everybody must write their own poem. Examples: Correct: Everybody must write his or her own poem. The dog growls when he is angry. [singular] Dogs growl when they are angry. [plural] Incorrect use of apostrophes 2 7 Missing comma or semi colon in a compound sentence Examples: Correct: She wanted to go, but she didn’t have a car.Its vs. It’s - Its branches were falling. It’s a cold day.They’re vs. Their - They’re ready to leave. They are on their way. Writing run-on sentences 3 8 Misuse of homophonesIncorrect: Tom is very cute, he is very popular Examples: at school. Accept vs. Except - Accept means to receive.Correct: Tom is very cute. He is very popular Except means to take out or leave out. at school. There vs. Their - They wanted to go there. Their mother was not home. Using wrong verb tense 4 9 Using who vs. whom Examples: Who is a subject pronoun. Whom is an object For present tense - We walk to the store. pronoun. For past tense - We walked to the store.For future tense - We will walk to the store. Examples: Who is driving the car? With whom are you going to the party? Using double negatives 5 10 Using few vs. lessIncorrect: She doesn’t have no idea of what to Use “few” or “fewer” for things you count. do next. Use “less” for things you measure. Correct: She doesn’t know what to do next. Example: She wore out fewer shoes because she walked less miles. 1111AAllll&&AAbboouut tMMBBSSBB

JaJannuuaaryry- -MMaarcrhch22001166 ISISSUUEE1155 The rhythms and beats of MBSB Idol 2016 final In the solo performance, Sharizad Sharif (Group competition resonated around the auditorium and the Treasury) emerged as the winner of MBSB Idol 2016 attendance from the audience was overwhelming. The followed by Abd Munir Mohamad Abdul Khalil (PPMD/ two day event was organized by Kelab Sukan MBSB AMU) as the runner-up and Andrew Lim Zhen Xian on 2 – 3 January 2016 at Bentley Music Auditorium, (Wealth Management) at third place. In duet/group Mutiara Damansara. The competition was conducted performance, Azad and Munir both won first place, in two categories of solo and duet/group. group #bossuruh, Mohd Akmal Hakim and Mohd Zaki Othman won the second place while group Berdua En Asrul Hazli Salleh, President of Kelab Sukan MBSB Lebih Baik, Syamime Hazreen and Mohd Yusof in third said that the competition was aimed to harness the place. Best Vocal award goes to Sharizad Sharif and inner talent of the employees and building their Best Performance to Nuzul Ferhanis. confidence in front of a large audience. The panel judges of the competition consist of Ahmad Shah, Music Director Orchestra UUM, Haleeda Mazlin, 1st Runner Up Gegar Vaganza TV Show and Ronnie Hussien, former vocalist “Hyper Act” Group. SOLO DUET Treasure hunt enthusiast took part in MBSB Super Spy Hunt organized by MBSB Sports Club on 30 January 2016. A total of 471 employees had participated and over 108 cars flagged off from Stadium Tennis, Jalan Duta heading towards Johor Bahru, covering a distance of 340 km. The objective of the hunt is to encourage employees’ efficiency and effectiveness in achieving a common goal. The champion of MBSB Super Spy Hunt is team Hot Wheels from Treasury Operations bringing home cash prize worth RM 5,000 followed by team Tobot X and #Asalkan Sampai both received cash prizes worth RM 4,000 and RM 3,000 respectively. Super Spy Hunt dinner and prize giving ceremony was graced by the presence of Dato’ Ahmad Zaini, Cik Norhayati Daud and other members of Senior1122 Management. MBSB Idol finalist also performed at MBthSBeindTinhenNeerw. s

JaJannuuaaryry- -MMaarcrhch22001166 ISISSUUEE1155 HEALTHtThe imopfokrteaenpcieng &eating healthy Overall Health: Boosts Energy: Weight Loss:Regular fitness routine and healthy diethelps to improve your overall health. The This is quite easy to notice. Just do some This is the major advantage of keepinggood effects would be gradually evident exercises and eat healthy, and you’ll fit and eating healthy. Doing exercisesthe moment you begin to exercise begin to feel the difference. You will feel regularly and following a healthy dietregularly and eat healthy foods. Brisk energized and rejuvenated the whole are the most effective and natural wayswalking for 30 minutes every day is the day. On the contrary, if you lead a of losing weight. You will burn caloriesenough to keep you fit. Exercise enhanc- sedentary and lethargic lifestyle, you and limit calorie intake, which is certainlyes circulation of blood in the body and will feel sluggish and tired the whole healthy for your body. You would alsoboosts the immune system too. day. remain in good shape. Strong Build: Mental Strength: Personality Development:Regular workouts and healthy diets not Fitness not only means physical strength Being fit gives you a nice look. The moreonly help you stay fit but also build the but also means mental strength. A you continue to lead a healthy lifestyle,muscles and makes the bones strong. combination of regular workout and a the more you enhance your overallPeople who suffer from shoulder pains, healthy diet would enhance the brain appearance. This would liven up yourbackache and so on, should do relevant function. It increases blood flow to the personality and uplift your confidenceexercises regularly. If followed strictly, brain and improves memory. But to level. You will feel rejuvenated and freshthe pain would certainly reduce. With realize these benefits, you need to the whole day. You will also remainthis, you will understand why fitness exercise regularly. happy and optimistic.plays an integral role in improvingmuscular strength.Cardiovascular Endurance: Digestion:This basically refers to the measurement Physical activities and healthy diet helpof the heart’s strength. On the same in smoothening the digestion process,note, it refers to the body’s ability to thereby preventing constipation anddeliver nutrients and oxygen to the other digestion-related disorders. Thetissues, while at the same time, burning of extra fats and the consump-removing wastes. Fitness and healthy tion of low-fat foods prevents diseasesdiet allows you to attain cardiovascular such as hypertension, diabetes andendurance and increase flow of oxygen other related disorders.to all the muscles of the body. 1133AAllll&&AAbboouut tMMBBSSBB

January - March 2016 ISSUE 15MacDonald House BombingOn 10 March 1965, MacDonald House was bombed by Indonesian commandos, Harun Said and OsmanHaji Mohd Ali. The explosion has killed Mohammed Yasin bin Kesit, the society’s 45 year old driver. Heleft behind a widow and eight children. The perpetrators of the bombing were subsequently tried andconvicted by hanging on 17 October 1968.JOHAR BINALIMON I hope I will be able to continue serving the organization until the last day of myAssistant Manager, retirement.Branch Network Department What are your most enjoyable momentsWhat is your background? in MBSB?My name is Johar Alimon. I was born in When we worked as a team and enjoyedCheras, Kuala Lumpur in 1961. I completed as a family to bring MBSB towards highermy form 5 in 1978 at S.M Datok Lokman, level of achievement. At the end of theKampung Pandan. I started working in year, being awarded with good increment1980. I have been married to the wonderful and bonuses.woman of my life, Rosilawati Othmanfor 31 years and blessed with a beautiful What is your biggest accomplishmentdaughter who has just completed her so far?studies with UNIKL MIAT. Achieved my dream of performing my Haj at the age of 50 years with my belovedThe funniest nick name anyone has wife. Awarded as footballer of the year ingiven you: MBSB.I am a simple person. My late parents hadgiven me the shortest name with only 5 Share with us your funniest momentalphabets - JOHAR. As such, I guess no one during your childhood.has given me any nickname. I was chased by the village head for swimming with friends in the used miningHobbies: pool. We managed to run from him withoutTravelling, playing badminton, bowling our clothes on.Can you describe yourself in one Words that come to your mind insentence? response to describe the followingI am jovial, humble, responsible and a statement:friendly person. A) Team Member’s Most Desirable Trait -Where is your favorite place on earth? Teamwork and commitmentMakkah Al Mukarramah and Madinah Al B) High Performance Team -Munawwarah. Responsibility and focusMBSB and you, describe. C) Propelling MBSB Further and Beyond 1414 yI eMhaaBrsvS.eBSiinnbceTeehenthNewedwitashy the organization for I joined, my time spent Achievementin the office is more than I spent at home.

January - March 2016 ANSWER & WIN RM300 ISSUE 15 Complete & submit the following: WINNER 1. Crossword 2. Codeword Puzzle (October - December 2015) Answer it correctly and stand a chance to win cash prize worth RM300.00. CONGRATULATIONS E-mail to [email protected] BINTI MUSAHUDIN Note : The quickest to respond with the correct answers will be the winner. HUMAN CAPITAL DIVISION You can view the answers via INTRANEWS. CROSSWORD ACROSS DOWN 1. Malicious gossip 1. Frighten 5. Rebuked 2. Violent attack 9. Guaranteed 3. A little-known competitor 10. Huge slow-moving mass 4. House occupied in of ice hunting season 11. A slight trace 5. Closely integrated 12. Far-reaching 6. Commit to memory 13. Racketeering 7. Small opening 15. Navy 8. Impassioned 16. A male duck 14. Flawed 18. Explain effectively 15. Recognise the truth 21. Self-service restaurant 16. Definite 24. Ending in disaster 17. Initially 25. Drive mad 19. Rough draft of proposal 26. Lean back 20. Conspicuous 27. US car-manufacturing city 22. Dance originating in 28. Way down a mountain Argentina 23. Pungent CODEWORD PUZZLE A Codeword Puzzle is a completed crossword grid where each letter of the alphabet has been substituted for a number from 1-26. There will be at least one occurrence of each letter of the alphabet. Certain letters are given as starters. The solver must decipher the rest of the code to discover the words in the completed puzzle. The aim of a Codeword Puzzles is to crack the code and reveal a standard completed crossword grid, where every word reading either across or down is a standard English word. Proper nouns, multiple word entries and acronyms are not allowed, unlike in standard crosswords. GOOD LUCK! 15All & About MBSB