Reviews of CIMB BANK (L) LIMITED
This is page 6 of 13 of the reviews SmartChecker holds for CIMB BANK (L) LIMITED. What the public registers say about the company is set out on its record page, not here.
What does SmartChecker make of CIMB?SmartChecker 怎么看 CIMB？Apa pandangan SmartChecker tentang CIMB?
This editorial discusses CIMB Group, CIMB Bank Berhad and CIMB Islamic Bank Berhad. The record on this page is CIMB Bank (L) Limited, a separate Labuan-licensed company. The penalties below were imposed on the entities named in each paragraph, not on CIMB Bank (L) Limited.本点评讨论 CIMB Group、CIMB Bank Berhad 和 CIMB Islamic Bank Berhad。本页登记记录是 CIMB Bank (L) Limited，属另一家 Labuan 持牌公司；下文的罚款针对各段具名的实体，并非针对 CIMB Bank (L) Limited。Penilaian ini membincangkan CIMB Group, CIMB Bank Berhad dan CIMB Islamic Bank Berhad. Rekod di halaman ini ialah CIMB Bank (L) Limited, sebuah syarikat berlesen Labuan yang berasingan. Penalti di bawah dikenakan ke atas entiti yang dinamakan dalam setiap perenggan, bukan ke atas CIMB Bank (L) Limited.
Written by Pang Hui JuanDirector of Online Broker Research
Fact-checked by Ng Kok HeiManaging Malaysian Partner
Fact-checked
I've been looking into CIMB, one of Malaysia's largest banking and financial services groups.
One of the main strengths of CIMB is its scale and regional presence. CIMB Group operates across ASEAN and has businesses covering consumer banking, commercial banking, investment banking, Islamic banking and wealth management. This gives customers access to a broad range of financial products and services through an established regional banking group.
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Another advantage is its digital banking ecosystem. CIMB provides online and mobile banking services for retail and business customers, while its regional network gives the group exposure beyond the Malaysian market.
However, investors and customers should also be aware of CIMB's regulatory history.
In August 2024, Bank Negara Malaysia imposed a total Administrative Monetary Penalty of RM760,000 on CIMB Bank Berhad and CIMB Islamic Bank Berhad for non-compliance with technology risk-management requirements. The action related to prolonged service disruptions on 8 and 9 April 2024, which affected e-banking channels, ATMs, debit cards and credit cards. BNM found that the disruptions exceeded the permitted downtime thresholds and identified weaknesses in the response and recovery process. CIMB subsequently implemented remediation measures, including improvements to real-time IT infrastructure monitoring.
There is also an older and more significant customer-information compliance case.
In 2019, BNM imposed a RM3.4 million Administrative Monetary Penalty and RM6.4 million compound on CIMB Bank for breaches relating to the unauthorised disclosure of customer information to third parties. CIMB Islamic Bank separately received a RM1.7 million Administrative Monetary Penalty and RM3.2 million compound relating to similar customer-information issues. The incidents occurred in 2018, and BNM noted that CIMB had voluntarily reported the incidents and subsequently taken remedial steps to strengthen its controls.
CIMB Bank also received a RM600,000 Administrative Monetary Penalty in January 2024 for non-compliance with certain statistical reporting requirements, including requirements relating to international transactions and CCRIS reporting. BNM stated that remedial measures had been taken to prevent recurrence.
There has also been a separate criminal case involving a former CIMB Investment Bank employee. In June 2025, a former associate director of Debt Capital Markets at CIMB Investment Bank was sentenced to two years' imprisonment and fined RM1 million after pleading guilty to securities fraud involving RM201,000 from seven investors. The Securities Commission stated that the offences occurred between 2018 and 2020. Importantly, this was a case against the individual and should not be presented as a finding that CIMB itself committed the fraud.
CIMB is a large and regulated banking group, but its regulatory history shows that even major financial institutions can experience issues involving technology resilience, customer-information controls and regulatory reporting.
CIMB 是东盟大型银行集团，业务包括消费、商业、投资及伊斯兰银行和财富管理，并提供广泛的数码银行服务。
2024 年 8 月，BNM 因 2024 年 4 月 8 至 9 日的长时间服务中断及技术风险管理违规，对 CIMB Bank Berhad 和 CIMB Islamic Bank Berhad 合计处以 RM760,000。中断影响电子银行、ATM、扣账卡和信用卡。
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2019 年，BNM 因向第三方未经授权披露客户资料及相关标准违规，对 CIMB Bank 处以 RM3.4 million 行政罚款和 RM6.4 million compound；CIMB Islamic Bank 另被处以 RM1.7 million 和 RM3.2 million。两家公司其后加强控制。
CIMB Bank 于 2024 年 1 月另因 STATsmart、国际交易及 CCRIS 等统计申报不合规，被罚 RM600,000。
2025 年 6 月，一名前 CIMB Investment Bank 债务资本市场副董事因涉及七名投资者、金额 RM201,000 的证券欺诈被判监两年及罚 RM1 million。这是针对个人的案件，不是认定 CIMB 本身实施欺诈。
Saya telah meneliti CIMB, salah satu kumpulan perbankan dan perkhidmatan kewangan terbesar di Malaysia.
Salah satu kekuatan utama CIMB ialah saiz dan kehadiran serantaunya. CIMB Group beroperasi di seluruh ASEAN dan mempunyai perniagaan yang merangkumi perbankan pengguna, perbankan komersial, perbankan pelaburan, perbankan Islam dan pengurusan kekayaan. Ini memberikan pelanggan akses kepada rangkaian produk dan perkhidmatan kewangan yang luas melalui sebuah kumpulan perbankan serantau yang mapan.
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Satu lagi kelebihan ialah ekosistem perbankan digitalnya. CIMB menyediakan perkhidmatan perbankan dalam talian dan mudah alih untuk pelanggan runcit dan perniagaan, manakala rangkaian serantaunya memberikan kumpulan itu pendedahan di luar pasaran Malaysia.
Namun pelabur dan pelanggan juga perlu sedar tentang sejarah kawal selia CIMB.
Pada Ogos 2024, Bank Negara Malaysia mengenakan Penalti Kewangan Pentadbiran berjumlah RM760,000 ke atas CIMB Bank Berhad dan CIMB Islamic Bank Berhad kerana tidak mematuhi keperluan pengurusan risiko teknologi. Tindakan itu berkaitan gangguan perkhidmatan berpanjangan pada 8 dan 9 April 2024, yang menjejaskan saluran e-perbankan, ATM, kad debit dan kad kredit. BNM mendapati gangguan itu melebihi had masa henti yang dibenarkan dan mengenal pasti kelemahan dalam proses tindak balas dan pemulihan. CIMB kemudiannya melaksanakan langkah pemulihan, termasuk penambahbaikan pemantauan infrastruktur IT secara masa nyata.
Terdapat juga kes pematuhan maklumat pelanggan yang lebih lama dan lebih berat.
Pada 2019, BNM mengenakan Penalti Kewangan Pentadbiran RM3.4 juta dan kompaun RM6.4 juta ke atas CIMB Bank bagi pelanggaran berkaitan pendedahan maklumat pelanggan kepada pihak ketiga tanpa kebenaran. CIMB Islamic Bank secara berasingan menerima Penalti Kewangan Pentadbiran RM1.7 juta dan kompaun RM3.2 juta berkaitan isu maklumat pelanggan yang serupa. Insiden itu berlaku pada 2018, dan BNM menyatakan CIMB telah melaporkan insiden itu secara sukarela dan kemudiannya mengambil langkah pemulihan untuk mengukuhkan kawalannya.
CIMB Bank turut menerima Penalti Kewangan Pentadbiran RM600,000 pada Januari 2024 kerana tidak mematuhi keperluan pelaporan statistik tertentu, termasuk keperluan berkaitan transaksi antarabangsa dan pelaporan CCRIS. BNM menyatakan langkah pemulihan telah diambil untuk mengelakkan kejadian berulang.
Terdapat juga kes jenayah berasingan yang melibatkan bekas pekerja CIMB Investment Bank. Pada Jun 2025, bekas pengarah bersekutu Debt Capital Markets di CIMB Investment Bank dijatuhi hukuman penjara dua tahun dan denda RM1 juta selepas mengaku bersalah atas penipuan sekuriti membabitkan RM201,000 daripada tujuh pelabur. Securities Commission menyatakan kesalahan itu berlaku antara 2018 dan 2020. Yang penting, ini kes terhadap individu berkenaan dan tidak harus dipaparkan sebagai dapatan bahawa CIMB sendiri melakukan penipuan itu.
CIMB ialah kumpulan perbankan yang besar dan dikawal selia, tetapi sejarah kawal selianya menunjukkan bahawa institusi kewangan besar pun boleh menghadapi isu melibatkan ketahanan teknologi, kawalan maklumat pelanggan dan pelaporan kawal selia.
Reviews are written by SmartChecker members about their own experience and checked against our review rules. No company can pay to add, change or remove one.
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