Focus Area Key Initiatives Results Sustainable green financing Proactive asset quality management Client acquisition strategy Funding affordable housing projects and public infrastructures Enabling digitalisation to transform and enhance client experience Solidify our commitment to support and partner our clients’ Sustainability journey through capital mobilisation in the Renewable Energy front Diversify green financing proposition into other sectors such as Construction, Waste Management industries Dynamic asset quality management via early care initiatives, close engagement with clients as well as sector and portfolio review to ensure asset quality remains sound and resilient Diversifying clientele base across targeted segments within our risk appetite via new client solutioning model and cross-sell initiatives Collaborated with government entities, municipalities, and Zakat institutions through the Client Solutions model Supported the Government’s initiative by financing affordable home projects Undergoing process enhancements to improve turnaround times and a seamless client journey, embedding straight-through processes and refining end-to-end credit origination process to amplify risk oversights through credit transformation initiatives Achieved RM4.0 billion in total approved green financing, with y-o-y growth recorded at 57.2%, surpassing the LEAP25 target Significant improvement in the GIF ratio from 2.7% (FY2022) to 1.1% (FY2023). Meanwhile, PDNI ratio remained low at 0.1% Under the client solutioning model, we onboarded clients across sectors and value-chain ecosystems to grow liquidity and fee-based business aligned with the Bank’s risk appetite, leading to an increase in CASA and fee-based income Approved affordable housing financing projects of RM131.1 million Successfully launched REVEX, a platform to automate the supply chain financing processes, which include features to improve operational efficiency and enhance client experience for our program financing Undergoing the initial phase of our credit transformation platform initiative to significantly improve productivity and strengthen risk oversight KEY FOCUS AREAS & RESULTS Financing Solutions 88 Business Review Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023
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