[OR] [AmB] [E3] [CBS] [5] [DP] Investment & Wealth Management

CBS-5 Investment & Wealth Management

Introduction

This chapter examines AmBank’s CBS-5: Investment & Wealth Management through the lens of operational resilience, recognising the critical role this service plays in safeguarding clients’ financial well-being, sustaining market confidence, and protecting the bank’s reputation during periods of disruption. Investment and wealth management services are highly sensitive to operational failures, data integrity issues, system outages, and market volatility.

By breaking down CBS-5 into clearly defined Sub-Critical Business Services (Sub-CBS), this chapter establishes a structured understanding of how AmBank delivers end-to-end wealth solutions—from advisory and product distribution to execution, reporting, and ongoing client support—under normal and stressed conditions.

Purpose of Chapter

The purpose of this chapter is to provide readers with a practical and systematic view of the underlying business processes that support AmBank’s investment and wealth management capabilities, and to clarify why each Sub-CBS is operationally significant.

Through the detailed Sub-CBS table, readers will gain insight into the dependencies, client touchpoints, and service outcomes that must be protected to ensure continuity and resilience.

This chapter equips readers with the knowledge needed to identify critical vulnerabilities, prioritise resilience investments, and align wealth management operations with broader operational resilience and regulatory expectations.

Table P1: Detailed Processes for CBS-5

Sub-CBS Code	Name of Sub-CBS	Description of Sub-CBS
5.1	Wealth Advisory & Financial Planning	Client profiling (risk assessment and goals), personalised financial planning consultations, creation of tailored investment strategies, ongoing reviews, and rebalancing to align with clients’ financial objectives.
5.2	Unit Trust & Fund Distribution	Provision, selection, onboarding, and management of unit trust products; helping clients invest in diversified pooled funds; includes product education and transaction facilitation.
5.3	Fixed Income & Direct Bond/Sukuk Investments	Sourcing, execution, and settlement of direct bond and sukuk investments for clients as part of portfolio diversification and income objectives.
5.4	Dual Currency & Structured Products	Structuring, marketing, and execution of dual-currency investments and structured investment products that allow clients to express differentiated market views and yield optimisation.
5.5	Equities & Capital Markets Services	Facilitation of client access to equities trading, equity-linked products, research insights, and execution services. (Often linked with the AmEquities subsidiary within the Group wealth offerings.)
5.6	Private Banking & High-Net-Worth Solutions	Bespoke wealth solutions for high-net-worth individuals and families, including sophisticated investment structuring, credit facilities, liquidity management, and legacy planning (e.g., AmPrivate Banking within AmWealth).
5.7	Bancassurance & Wealth Protection	Integration of insurance and takaful products to safeguard investment portfolios, retirement plans, and estate objectives as part of comprehensive wealth management.
5.8	Estate & Legacy Planning (Will/Wasiat Writing)	Provision of wills and estate planning services to help clients articulate and effect their legacy intentions, aligned with overall wealth planning.
5.9	Client Reporting & Compliance	Periodic performance reporting, regulatory compliance reporting (e.g., suitability, anti-money-laundering, and risk disclosures), and client communications on portfolio status and product updates.

Notes on Context

Wealth Advisory & Financial Planning (CBS-5.1) encompasses the consultative process where relationship managers/wealth specialists assess client needs and construct comprehensive plans.
Unit Trust & Fund Distribution (CBS-5.2) reflects AmBank’s unit trust offerings and fund guidance, including investor profiling and allocation advice.
Private Banking & High-Net-Worth Solutions (CBS-5.6) is anchored by AmBank “AmWealth” and AmPrivate Banking wealth pillars for elite client segments.
Estate & Legacy Planning (CBS-5.8) incorporates will/wasiat services linked to wealth transfer and legacy goals.

In conclusion, this chapter demonstrates that CBS-5: Investment & Wealth Management is not a single monolithic service, but a collection of interdependent Sub-CBS that collectively enable AmBank to deliver trusted, compliant, and value-driven wealth solutions.

By understanding these detailed business processes, organisations and practitioners can more effectively assess impact tolerance, strengthen continuity and recovery strategies, and ensure that client trust and financial stability are maintained even in the face of severe operational disruptions.

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CBS-5 Investment & Wealth Management
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