BIMB’s commitment to delivering sustainable prosperity is both a growth opportunity and a values-based obligation. The pillar encompasses both the actions that we take to strengthen the financial position of the Group and our commitment to growing sustainable finance business. The effectiveness of the strategies implemented to strengthen our financial position saw us sustaining performance on a range of key targets, including Return on Equity (ROE), Return on Assets (ROA) and above-industry growth in our deposits, financing and assets. A fuller discussion of our strong performance across our key financial metrics can be found in our GCFO’s Statement on pages 72 to 75. Our sustainable prosperity initiatives are closely tied to our LEAP25 targets of growing our non-fund-based income contribution and doubling our ESG-rated f inancing by 2025. Despite the continued challenges of the operating environment in 2021, we took substantial steps towards delivering on these targets during the year, both in terms of diversifying our income streams and on growing our Green Financing. With the impact of the record-low interest rate environment being felt on the performance of the entire Malaysian banking industry, we continued to pursue strategies to grow our fee-based income as an effective hedge and to strengthen future income streams, resulting in a sustained non-fund-based income ratio of 11.1% for the year. Across the Group, we implemented effective strategies to diversify our revenue streams and build a more sustainable income model. This includes strategies to embark on an Integrated Wealth Management Business model, such as developing capabilities in big data, customer segmentation and group cross-selling synergy. Since the SME division was carved out and established in 2018, the Bank has stayed the course to advance from a financing-centric to ecosystem play in terms of its Enterprises portfolio, leveraging on the Halal platform. Through its Wholesale Banking proposition, the Bank intends to promote purposeful mobilisation of capital to help clients achieve sustainable growth. This means a higher business portfolio growth f rom Corporate and STRATEGIC PILLARS 1: SUSTAINABLE PROSPERITY STRATEGIC PERFORMANCE REVIEW BANK I SLAM MALAYS IA BERHAD 64
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