CHALLENGES/RISKS Mitigation Actions Challenges Results Market volatility and competitive pressures ✓Focused on fund-based income potential amid narrowing profit margins for fixed income transactions. ✓ Restrategised banking book investment activities by utilising given limits and lengthening portfolio durations. ✓ Focused on providing competitive pricing. ✓ Adopted aggressive trading approach with prudent, calculated risks. ✓ Enhanced profitability and optimised returns despite market challenges. Ensuring sustainable growth ✓ Continued utilising the originateto-distribute model for asset acquisition. ✓ Scaled our programme-based lending to mitigate credit risks, attract deposits and ensure sustainable balance sheet growth. ✓ Expanded investment banking, treasury and financial solutions to commercial clients. ✓ Strengthened ESG value proposition. ✓ Diversified revenue streams with increased fee-based income. ✓ Proactive balance sheet management to manage our NIM and liquidity requirements effectively. ✓ Balancing growth and profitability. Rising demand for secure investment platforms ✓ Optimised customer-facing applications, as well as tightened backend security. ✓ Apps like eBanker Pro and BEST Invest have seen significant user growth. Strategic talent management and sector expertise aligned with sustainability and ESG ✓ Realigned strategic teams with refreshed strategies to capture growth. ✓ Emphasised customer-centric culture by highlighting cross-selling opportunities, enhancing team collaboration and aligning clear key performance indicators (KPIs). ✓ Positive impact seen in growing AUM and improved fund returns above benchmarks, reflecting the effectiveness of the team’s expertise and the strategic adjustments made. Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2024 106 Business Review – Group Institutional Banking
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