10 Areas For Improvement and Recommendations

1. The calculation in appraisal
- The appraisal of the staff is include the level of Branch achieved for the years. However, the target of the branch is very high and very hard to achieved. As such, there will affect the performance of individual or staff performance every years.
2. Low salary for the new staff
- The salary given by management for the new clerk is lower compare with the others industries. However, the management will have a fixed increasement for every year. However, there is an attractive remuneration package and a wide range of benefits which amongst others include medical, insurance coverage, staff housing loan at 0 - 2 % interest rate depending on loan quantum, staff car loan at 2.5 % interest rate and opportunities for development of potential awaits successful candidates. Fresh graduates will be paid a basic salary of not less than RM2,800 per month.
3. No punch card system
- There is no punch card machine in the Branch. The Branch are using the record book as a record of the staff attendance. There is a advantage for the staff can lie the management when they are late.
4. Overtime claim
- There is a problem in overtime claim when the branch are no system to control it. The staff may be over claim the overtime in view that they are no system to control. The staff only record the overtime claim in a record book and the record will sign by the head of department and the manager.
5. The specs claim is no applicable to the supervisor level
- The non-supervisor/officers can claim the specs benefit of RM300-00 every year. However, the staff who in the officers/supervisors cannot claim such benefit.

6. Orientation
- The orientation are no provided by the management. In this matter, the staff wouldn't know the background of the bank and didn't know the culture of the branch or department. The management only provide a HR system to let the staff understand themselves. As such a possibility the staff didn't really understand what the rules and regulation of the bank.
7. Problem of the Trade Union
- The staff over abuse and depend to the Trade Union.There is a political where some problem staff always complain the top management with using the power of the Trade Union. For the example,recently a staff complian the manager scold her in front of the customers and the Trade Union request the management transferred or fire the manager. This kind of issue will impact the branch image and somemore the staff will try again to make some noise as they think he/she is protected under this Union.
8. Training and development
- All branches/departments/divisions are to plan for the training and developmental need to their staff. A training need arises when there is a need to equip a staff with a set of knowledge, skill or attitude in order to bring about a desired level of performance. There also have to increase the effectiveness of the individual to release his full potential. This includes motivating the staff, stretching his compentency as well as planning for his future development.
- All staff have to plan to attend the training at less three days in a year. The staff will be provide hostel, meal allowance and transportation. All the lecturers in training centre are fully exprience and knowledge.
***There are no comment in the training part***

9. Salary and benefit admistration
a) Benefit
i) Medical benefit
- The Bank will bear the medical cost for the staff and the staff's familier subject to the terms and conditions. ii) Housing Loan
- The staff is entitled of 90% of the market value of the property cncerned subject to percentage of total deductions from the staff's salary.
- The rate of interest of the loan as followings :
Approved Loan Quantum Rate of Interest per annum on monthly rests
RM100,000-00 & below 0%
RM250,000-00 & below 1.00%
More than RM250,000-00 to RM500,000-00 1.50%
More than RM500,000-00 2.00%

iii) Car Loan
- The staff can enjoy the lower interest rate of 2.50% per annum on monthly rest. The car to be purchased could either be new and no more than ten years old.

iv) Motorcycle Loan
- The rate of interest of motorcycle loan as followings :
Approved Loan Quantum Rate of Interest per annum on monthly rest
RM5,000-00 & below 0%
More than RM5,000-00 2%

v) Special Loan
• Purchase of computer loan
• Medical expenses for the immediate family of the staff.
• Funeral expenses relating to the immediate family of staff.
• disaster relief due to the occurence of disasters eg : flood, fire etc effecting the residence of the staff.
• Pursuit of further studies.
• Renovation of Staff's Residence
• Purchase of NUBE Ecopark Membership

b) Leave
- The staff are given minimum 14 days and maximum 30 days annual leave; 30 days of non hospitalisation leave; 30days of hospitalisation; 10 days of compassionate leave; 10 days of marriage leave; 180 days of maternity leave; 7 days of exam leave.