Page 98 - Full Book_24.4.2021

MANAGEMENT
DISCUSSION & ANAlYSIS

Towards aspiration of:
Total Assets: towards RM100 billion

ROE: CIR: GIF: <1.2%
>15%
<50%
INTEGRATED ANNUAL REPORT 2020 ROE: CIR: GIF: <1.5%
Subject to robust review and calibration
Total Assets: >RM70 billion
>11%
<56%

- Expand and grow Shariah-ESG
initiatives
investment and financing capabilities - Solidify Group Business Synergy
- Prominence in Shariah-ESG financial
- Synergy of the Group unlocked services in the region
94 - Building credible track record in - Grow presence in global and regional
- Strengthening market position digital space markets as Shariah-ESG fund house
with fintech capabilities through AI
- Build winning operating model - Sustaining delivery of benefits of - Prominence in Waqf development
and Big Data analytics
digitalisation
- Group value proposition
BIMB HOLDINGS BERHAD 199701008362 (423858-X) - Persevere digitalisation fee-based economy 2023 - Grow SME Banking portfolio
- Increasing local market share of
- Absorb losses while building reserves
SME, profiled as key enabler of Halal
through social finance
- Expand alternative revenue stream
capabilities
through
- Holistic non-retail portfolio growth
income
towards 70:30
2021
2025

Phase 1 Phase 2 Phase 3

Fortify resilience in Emerge leadership in Gain Prominence as a
sustaining towards market position and Champion in Shariah-
post-recovery impact creation through ESG total financial
Shariah-ESG solutions

Our 5-year roadmap has targeted intervals in its journey.