OUR PRODUCTS Home Financing-i Vehicle Financing-i Credit Card-i ASB Financing-i Personal Financing-i Ar-Rahnu Gold Investment Account Takaful Protection Unit Trust Investment Will Writing Deposit and Investments • Al-Awfar • iGain • Wafiyah • Ihsan Sustainability Investment Account (ISIA) • Term Deposit Tawarruq-i (TDT) • Qard Saving-i • Basic Saving-i • Qard Current-i • Basic Current-i • Foreign Currency Account-i SME, Commercial and Corporate Financing Solutions • Term Financing • Trade Financing • Working Capital • Structured Financing or Programme-based Financing Investment Banking and Advisory Treasury and Markets • Money Market • Foreign Exchange (FX) • Fixed Income Markets • Structured Products Shariah-ESG Fund Management and Retail Asset Management Services Stockbroking services Shariah Advisory Share Margin Financing-i Research Reports OUR DIGITAL FACILITIES BIMB Mobile BIMB Web Be U by Bank Islam BIMB Biz Sadaqa House SMEXpert eBanker Pro eMasjid Halal Integrated Platform BEST Invest app BISonline Merchant Portal EZXcess Financing Chatbot (Adam) Virtual Account Opening (VAO) InfaqPay eJamin (Collaboration with Dapat Vista (M) Sdn Bhd) Wealth Tech (Collaboration with Arabesque Asset Management Ltd) eWallet services (Collaboration with SnapNPay, kiplePay, GHL, MP@y and ME12PAY) GO by Bank Islam Driving a Sustainable Future Robust Shariah Governance Framework The Region’s First Full-fledged Islamic Banking Institution To grow our sustainable finance portfolio to RM28 billion by FY2025. Increased disbursements under our iTEKAD microfinancing programmes, benefitting 413 individuals with RM12.3 million in funding. Ihsan Sustainability Investment Account Empowering clients to build a nature-positive economy, fostering environmental resilience and inclusive growth. Malaysia’s largest network of dedicated Islamic banking channels. Values-based culture, with emphasis on Shariah goals and VBI principles. Strong balance sheet and performance track record, with AA3/Stable/P1 rating by RAM Ratings. Refer to Sustainable Products and Services at page 111 in Sustainability Statement For more information on our products and services, please visit www.bankislam.com Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 8 Our Products and Services Our Competitive Advantage
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