STRATEGIC REVIEW HOW WE RESPONDED OUTLOOK LINK TO • Digitalisation is one of the six pillars supporting our LEAP25 growth strategy and we continued to invest heavily in our digital infrastructure and services in 2021. This included spending to harden our cybersecurity defences in order to ensure the integrity of our systems and to safeguard our customers’ data. • We rolled-out a range of enhancements to our GO by Bank Islam app and online banking services to meet the evolving needs of our customers. • We introduced GO Biz by Bank Islam app to capture growth in the small and micro-entrepreneur market and launched a collaborative effort with target microentrepreneur groups to help them migrate their transactions online. • In 2020, BIMB Invest launched its Shariah Sustainability Robo-Intelligence digital investment platform called "BEST Invest" to help investors build their portfolios, offering a range of Shariah-ESG unit trust funds. The award-winning app has garnered more than 15,000 users at the end of 2021. BIMB Invest shall continue to enhance the app from time to time for better user experience. • Malaysia’s digital economy is projected to grow from 22.6% of GDP at the end of 2021 to 25.5% of GDP by 2025 and banks will have to continue adapting to the accelerating shift by governments, businesses and consumers towards online and digital transactions. This fundamental shift will continue driving demand for our digital services. • The award of five (5) digital banking licenses by BNM in 2022 will drive innovation and excite the industry as consumers will soon have a breadth of options to choose from in how they transact and manage their finances. Capital Stakeholders Material Matters INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 49
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