Bank Islam Integrated Annual Report 2022

WHO WE ARE AND WHAT WE DO Deposits and Cash Management (DCM) is a key business enabler for BIMB, delivering stable, balanced deposits growth and superior cash management solutions. We embrace a pragmatic liquidity management approach and provide customer value through unique products and solutions while ensuring sound liquidity levels and effective costs of funds for the Bank. We also venture into new business frontiers by diversifying our resources and boundaries across business collaborations and digital inclusion. In 2022, we focused on the five components under the Retail Segment: Mass Market, High Net Worth Individuals, Professionals, Salary Earners, and Non-Bumi. Our Corporate Segment focus included Corporate & SME. The Bank’s approach to drive deposit growth has been: 01 03 02 04 Adopting a customer-centric approach. Embracing digitalisation to seamlessly integrate products and solutions. Strategic positioning of resources encompassing the sales and support teams. Achieving synergy between internal and external parties, leveraging individual and collective strengths. KEY FOCUS AREAS & RESULTS Focus Areas What We Did in 2022 Results Sustainable Prosperity Achieved commendable growth in SME deposits by deploying deposit growth strategies comprising: • Campaigns & promotions • Strategic collaborations • Business solutions for SMES: – Onboarding SMEs with SMExpert application – SME Circle Campaign with new features Total SME customer banking growth for FY 2022 RM425.1 million Customercentricity Ran campaigns and initiatives to enhance multiple business solutions: • FPX campaign • Direct Debit Campaign: PTPTN Campaign on Direct Debit and Potongan Gaji • GO Biz Merchant App • eBanker Pro • High-Risk Customer Portal • Awards for Business Solutions 1. Over 400 FPX merchants registered from January to December 2022 2. 1,076 subscribers via MyPTPTN app by December 2022 (campaign duration from 1 December 2022 to 30 April 2023) 3. 14,256 GO Biz subscribers from January to December 2022 4. 22,096 eBanker Pro subscribers as at December 2022 5. Improved accuracy in the review and approval of high-risk customers 6. The Malaysian e-Payments Excellence Awards (MEEA2022): a. Best JomPay Acquirer b. Best Direct Debit Bank c. Best Direct Debit Acquirer (Bank) Community Empowerment In November 2022, we migrated to a new Al-Awfar draw engine with the Sponsorship & Zakat Distribution for IPTA/IPTS. This improved the reliability and transparency of the draw and is in line with the Bank’s commitment to Corporate Social Responsibility (CSR) and serving the community. 1. Sponsorship: RM386,865 approved and paid Integrated Report 2022 76 BUSINESS REVIEW Deposits and Cash Management

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