Patrick Chang, Chief Investment Officer for Affluent Products and Propositions, CIMB Bank Berhad

Tay Shan Li, Founder and CEO, Swipeless

Ling Kay Yeow, Partner, Ernst & Young Consulting Sdn Bhd

Chong Tjen-San, Director, CGS-CIMB Securities

Mr William Liew, Head of Transaction Banking, CIMB Bank

K.J. Balan, Head of SME Banking Malaysia, CIMB Bank Berhad

Ray Kwok, Director, Research Department, CIMB-CGS Securities

Song Seng Wun, Economic Consultant, CGS CIMB Securities, Singapore

Chehan Perera, Head of Research and Strategist, CGS- CIMB Securities

Chong Tjen San, Director, CGS-CIMB Securities

Nazmi Idrus, Head of Economics, CGS-CIMB Securities

Chong Tjen San, Director, CGS-CIMB Securities

Chehan Perera, Head of Research and Strategist, CGS- CIMB Securities

Willie Tanoto, Director, Financial Institutions, Fitch Ratings

Chong Tjen San, Director, CGS CIMB Securities