WEALTH MANAGEMENT Foremost Shariah-ESG total financial solution provider with leadership in digital banking and social finance LEAP25 target SOCIAL FINANCE DIGITAL BANK ENTERPRISES WHOLESALE BANKING PURPOSEFUL FINANCIAL SERVICES We are not content with simply being a financial institution. We see ourselves as a catalyst. As an Islamic Bank, we see ourselves as more than a financial institution. Instead, we view ourselves as a catalyst for change, working towards inclusive growth and sustainable development. Given the nature of our business, we align with sustainability through the Valuebased Intermediation (VBI) principles, which integrate doing good into our business activities. One of our main priorities is promoting social and environmental goals in our financial services, giving customers a say in which ESG principles carry value in financial institutions. Through financing ESG-aligned sectors, we generate measurable social and environmental impact, creating more sustainable financing opportunities across Malaysia and expanding our presence in the wider green economy ecosystem. Sustainability The Communities Our People Profitability More than double ESGrated financing asset Create positive social impact with focus on societal wellbeing Employee Engagement Score (EES) of par with Malaysia Best Employer norm Sustain superior industry ROE >15% Increase NFBI contribution Reduce Cost-to- Income to <50% At BIMB, we have immersed sustainable financing initiatives across all sectors as we approach the LEAP25 Target. We take a proactive approach and are always looking for new opportunities in green technology, renewable energy production, and more. With VBI, we strive to support shared positive environmental and social impacts through our financing products and services. Our broad management also values stakeholders' need to expand to renewable energy sources, support low-carbon infrastructure and all forms of sustainable and climate-friendly products and services. For information on how we manage ESG risks in our financing portfolio, please see page 208 to 221 <Risk Management> Integrated Report 2022 116 Economic Impact
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