Focus Areas Focus Areas Key Initiatives Key Initiatives Results Results Partnerships for expansion and lead generation Promote market reach and portfolio diversification Transform sales strategy and engage with customer segments with tailored products Boost brand awareness for personal financing products and increase product adoption Facilitated onboarding for Real Estate Agents (REA) and enabling the creation of our database of Real Estate Agents and Negotiators (REA and REN) Scaled up new business opportunities by empanelling Package Employers from Positive and Neutral sectors, as well as reactivating Hold Employers Established strategic partnerships with housing developers Skim Perumahan Rakyat 1Malaysia (PR1MA), Perumahan Penjawat Awam Malaysia (PPAM) and Syarikat Jaminan Kredit Perumahan Berhad (SJKP) Shifted the sales teams’ engagement strategy from being product-centric to customer-centric, adopting a unique approach to enhance our customer base Formed strategic partnerships with main professional associations including in the healthcare sector Launched a Teachers campaign to increase product adoption and market awareness 1,759 REA and REN have been onboarded 164 new Package Employers and their subsidiaries onboarded In 2023, the housing sector recorded an impressive growth, with 599 new housing projects added Total Home Financing and Assets (HFA) applications approved in 2023 through strategic partnerships of PRIMA, PPAM, RUMAWIP and SJKP with a total approvals of 261 applications 2,340 engagement activities carried out in 2023, involving agents or negotiators The Healthcare segment recorded a total of 3,921 accounts The Teachers and Lecturers segment recorded 72,617 accounts KEY FOCUS AREAS & RESULTS Retail Banking Distribution Retail Assets 79 1 2 3 4 5 6 7 8 9 www.bankislam.com MANAGEMENT DISCUSSION AND ANALYSIS – BUSINESS REVIEW
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