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A DISTINCT


            BUSINESS MODEL





                                                               Our Capitals…

                 KEY DRIVERS OF OUR                                      INPUT
                   BUSINESS MODEL



                                                                              FINANCIAL



     INTEGRATED ANNUAL REPORT 2020  ECONOMIC ENVIRONMENT                         INTELLECTUAL



                Management and monitoring of the difficult
                environment, and investment for the creation of
                better impact on our businesses and society for
                the long term


                                                                                   HUMAN CAPITAL
     104



     BIMB HOLDINGS BERHAD 199701008362 (423858-X)  REGULATORY LANDSCAPE             SOCIETY & CUSTOMERS


                                                                                     INFRASTRUCTURE
                Implementation of strong governance framework
                and oversight incorporating strong risk
                management aptitude and compliance capability











                COMPETITIVENESS
                Emphasis on innovation for leading-edge                            NATURAL
                financial products, services and channels,
                including digital transformation for a simpler,
                faster and intuitive financial solutions provider
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