KEY INITIATIVES Our mission is to provide a wide range of Shariah-based financial solutions to Commercial Banking customers. We are committed to promoting best practices and ensuring efficient service delivery to all customers, guided by our principles as a values based intermediary. Our greatest strength is our Business Team, that maintains nationwide coverage, offering our clients the support that they need, whenever and wherever necessary. WHO WE ARE COMMERCIAL BANKING Sustainable Prosperity We aim to increase our fee-based business activities in order to improve profitability. Our key growth drivers will include: • T rade fee-based products, such as our ez Bank Guarantee (ezBG), which is an irrevocable written obligation issued by BIMB to assure payment on demand by the beneficiary, and that offers an easy approval process for clients. • F ocus on growing our bancatakaful products, both by penetrating new markets segments and onboarding new clients, as well as by increasing takaful contributions from existing customers. • E xpanding our Green Financing in key growth areas, including green energy, waste management, water management and other ESG-aligned industries. Community Empowerment Contributing to the well-being of the nation. • F ocus on financing of affordable home projects by providing bridging finance for developments in strategic locations, and which offer a promising take-up rate. This is in line with the Government’s initiative to provide more affordable homes for the B40 and M40 segments. • Financing of infrastructure and public facility projects: We will leverage on the Contract Financing structure to provide working capital to private sector developers who have been awarded infrastructure and other public projects by the government and government-linked companies. Real Economy Support national development goal and catalyse growth in the Halal Industry SME sector. • We will support our clients’ growth and operations by providing vital structured financing services, including contract financing, vendor financing and bridging financing. Payment risk to BIMB will be mitigated by maintaining effective control mechanisms. • C ontinue to leverage on the government-backed SJPP/CGC Guarantee Scheme to provide our SME clients with the liquidity and financial credibility that supports their growth. Digitalisation Leveraging on digitalisation to deliver efficiencies and increased customer convenience. • D evelopment of our Digital Vendor Financing Platform and our Digital BG 1:1 platform to facilitate and simplify transactions for customers, including by enabling digital submissions and faster service delivery by BIMB. • O ptimising our credit processing and assessment via our Digital Credit Assessment tool. BANK I SLAM MALAYS IA BERHAD 90
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