Focus Areas Key Initiatives Results Inculcate a working culture based on TAAT values – business, operational and governance excellence Launched SME Referral Campaign 3.0, a cross-divisional incentive programme collaboration with Retail Banking Distribution’s (RBD) Branch Managers and Sales Personnel to support the promotion of SME financing products and grow our market share in Islamic financing under the SME segment Launched SMEXpert Lead Generator Campaign, a cross-divisional incentive programme collaboration with the Deposits and Cash Management Division to increase the number of SME companies to onboard as Merchant Partners in the SMEXpert mobile app, subsequently increasing deposit customers Generated sales leads from branches nationwide Generated sales leads from Solution and Deposit Managers nationwide Onboarded SME companies as Merchant Partners Home Financing: Surpassed first-time homeownership disbursement target by 124% Green Financing: Surpassed the green vehicle financing target by 412.6% Retail Assets Strategic Alliance: Established collaboration with Deposit & Cards and Yayasan Didik Negara to expand opportunities in the Ministry of Education Malaysia Digital Advancement: Implemented a cashless initiative across all 27 teachers’ training institute (IPGM) campuses Retail Banking Distribution FINANCIAL & BUSINESS HIGHLIGHTS Resilient Income Growth: Wealth Management +13.6% +18.8% +6.5% FY2021 FY2022 FY2023 demonstrating consistent growth amid challenges surpassing pre-pandemic levels 82 Business Review Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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