KEY FOCUS AREAS & RESULTS PERFORMANCE HIGHLIGHTS Focus Areas What We Did in 2022 Results Real Economy • Introduced new total financing solutions that meet the evolving needs of SME customers Introduced financing programmes to build the Halal ecosystem: • SME Exporter Financing Programme to facilitate the export of SME products and services to global markets • SME Smart Eco Financing Programme to support producers and users of green technology Customer- centricity • Conducted engagements with our customers and SME companies to address financial gaps • Developed a simplified and fast approval process for our financing programmes • Conducted staff training exercises to develop wellinformed and capable staff in delivering exceptional customer service and improved customer experience • Continuous digitalisation efforts to improve user experience. • Conducted over 20 webinar sessions and physical engagements or talks with SMEs to strengthen our visibility as the provider of valuable business and financial insights for SMEs • Participated in various key exhibitions organised by our strategic partners • Established SME@Work mobile application with real-time updates such as customer application status, environment friendly eBusiness Cards, and easy reference tools to support frontline sales staff and Managers in making informed decisions and enhance customer experience • Rolled out SMEXpert mobile app version 2 with more features and a customer-friendly user interface to provide better user experience • Received the Nation’s Pride Brand of the Year Award for SME Development at The Brand Laureate Best Brands Awards 2021-2022 SME Banking Assets recorded a 71% Net Growth in FY2022 compared to FY2021. SME Banking Fund-Based Income FY2022 recorded a 72% increase compared to FY2021. SME Banking Non-Fund-Based Income (NFBI) FY2022 recorded a 133% increase compared to NFBI in FY2021, with contributions from SJPP guaranteed fee collection, Deposit & Payment, ATM fees and other sales activities such as the selling of Bancatakaful products (BRTT/BLTT). Integrated Report 2022 82 BUSINESS REVIEW SME Banking
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