Financing initiatives beyond renewable energy and towards the wider green technology and green economy ecosystem. These will remain key growth areas for our Corporate and Commercial Banking business as we move forward. Commercial Banking will continue to build on our existing strengths while executing strategies to capture market share in selected high-value and highgrowth target segments. Our Treasury business registered net income of RM241.4 million for the period. The f igure was 47.1% lower than the previous year, reflecting the impact of the challenging economic environment. The decline in Treasury’s net income for 2021 was attributable to lower net gain f rom the sale of investment securities. Going forward, Treasury will maintain a cautious approach to trading activities and remain prudent in its investment portfolio management and rebalancing activities. Our focus will be on growing fund-based income potential and implementing strategies to enhance yield pick-up. ACCELERATING DIGITAL TRANSFORMATION Digitalisation is one of the six pillars supporting our LEAP25 growth strategy and we are focused on enhancing our digital offerings, so that we are not just on par with our peers and competitors but emerge as a clear leader in digital banking. Central to our digital strategy is the effective leveraging of the vast amounts of data that we generate, in order to deliver a seamless and hyperpersonalised customer experience across all our channels. The banking landscape is evolving rapidly with the growth of online banking, e-payment systems and the rise of the FinTech companies, as consumers embrace online banking and e-commerce. The shift towards online transactions has been greatly accelerated by the pandemic and is forcing businesses to develop new strategies that adapt to and anticipate the changes, and BIMB has taken decisive action to capitalise on this opportunity. This shift in consumer preference and the enhancements that we have already made to our digital offerings have driven rapid growth in our digital operations, with more than 90% of our transactions now conducted through electronic channels. The number of customers using our internet banking rose by 22% during the year, to 1.5 million, while the number of internet banking transactions grew even faster, rising by 50%. GO by Bank Islam NUMBER OF ACTIVE USERS 849,000 79% TOTAL NUMBER OF FINANCIAL TRANSACTIONS 47 million INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 17
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