KEY FOCUS AREAS & RESULTS Focus Areas What We Did in 2022 Results Sustainable Prosperity & Product Innovation • Increase Non-National Vehicle penetration • Total penetration for Non-National Vehicle portfolio: RM143.6million. • Contactless Mobile Payments • Offered cheaper terminal rental to support contactless card payments via smartphone. • New Bank Islam Visa FIFA-Themed Credit Card-i • Launched a new limited edition credit card in conjunction with the FIFA World Cup 2022, with 9,999 cards issued. • Introduced 3 new BIMB Debit Cards • Added three new Debits Cards to our product lineup since March 2022: – BIMB Visa Debit Card-i (Generic) payWave – BIMB Visa Alumni International Islamic University Malaysia Debit Card-i payWave – BIMB Visa Alumni Universiti Teknikal MARA Debit Card-i payWave • Added Ar-Rahnu counters at 20 existing branches • Established 20 new Ar-Rahnu counters in selected branches to provide financing solutions through the Ar-Rahnu facility. Customercentricity • Penetrated and grew new customer segments under the GradONE program • Introduced a revised scorecard for the GradONE program onboarding effective 17 June 2022; the average approval rate post-revision increased by 7.5%. • Streamlined Credit Card application and approval process • Introduced special credit processing for existing customers with minimum documentation required for Credit Card applications. Digitalisation • Self-service card management via Internet Banking (IB) • Implemented card-i services on the IB platform in December 2022 to complement conventional card maintenance. • Leveraged analytical tools such as Tableau & Robotic Process Automation (RPA) for business insights • 5 RPA projects completed: 1. Submission & Approval Monthly Report VF 2. SRP & SRP FTHB Confirmed Asset Info Data 3. Packaged Employer Reporting 4. VF Daily Submission Report 5. Daily Debit Card Issuance Report Consumer Banking Integrated Report 2022 72 BUSINESS REVIEW
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