NIM Net Income Margin NIMP New Industrial Master Plan NPS Net Promoter Score NSRC National Scam Response Centre OACP Organisational Anti-Corruption Plan OPR Overnight Policy Rate ORCC Operational Risk Control Committee ORM Operational Risk Management OSH Occupational Safety and Health OSHA Occupational Safety and Health Act OSPs Outsourcing Service Providers PAZT Profit After Zakat & Tax PBZT Profit Before Zakat & Tax PDNI Past due but not impaired PDPA Personal Data Protection Act PFE Personal Financing Executive PLCs Public Listed Companies PPAM Perumahan Penjawat Awam Malaysia PR1MA Skim Perumahan Rakyat 1Malaysia RAC Risk Acceptance Criteria RAS Risk Appetite Statement RBD Retail Banking Distribution’s RCP Representative Concentration Pathways RCSA Risk and Control-Self Assessment REA Real Estate Agents REN Real Estate Negotiators REVEX Revenue Vendor Expenditure RMC Recovery Management Committee ROA Return on Assets ROE Return on Equity RPA Robotic Process Automation RPT Related Party Transactions SAC Shariah Advisory Council SakeenaHOPe Sakeenah Home Ownership Programme SC Securities Commission Malaysia SCC Sustainability & Climate Champion’s SDGs Sustainable Development Goals SE Sales Executive SEMy2030 Social Entrepreneurship Action Framework 2030 SGPD BNM Shariah Governance Policy Document SIA System Impact Analysis SIU Special Investigation Unit SJKP Syarikat Jaminan Kredit Perumahan Berhad SME Small and Medium Enterprise SNC Shariah Non-Compliance SOCSO Social Security Organisation SOSEA Sabah Social Entrepreneurs Association SRE Sales Response Executive SRI Sustainable and Responsible Investment SSPN Skim Simpanan Pendidikan Nasional SST Self-service Terminals SWADD Surau Wakaf Ahmad Dawjee Dadabhoy TCFD Task Force on Climate-Related Financial Disclosures tCO2e Total Carbon Emissions TDT Term Deposit Tawarruq TH Tabung Haji TOM Target Operating Model TOR Terms of Reference UMCP Upward Mobility Certification Programme UNFCCC United Nations Framework Convention on Climate Change UNGCMYB United Nations Global Compact Malaysia and Brunei UniPSAS University Islam Pahang Sultan Ahmad Shah UNSDGs United Nations Sustainable Development Goals VAO Virtual Account Opening VBI Value-based Intermediation VBIAF Value-based Intermediation Financing and Investment Impact Assessment Framework VRF Value Reporting Foundation WACI Weighted Average Carbon Intensity WC Wealth Consultant YoY Year on Year YSM Youth Single Mother 508 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023 Abbreviation
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