OPPORTUNITIES Strategy Opportunities Continued focus on development and public investment ✓ Leverage our experience and expertise to target growth areas of interest to public policy, such as infrastructure, green energy, and SME supply chain financing. ✓ Align our focus in line with initiatives such as the New Industrial Master Plan 2030 and National Energy Transition Roadmap. Growth opportunities in ESG and halal economy ✓ As a leader in Islamic banking, we are uniquely positioned to capture ESG opportunities that are also aligned with Shariah principles. ✓ Identify and prioritise key high-growth sectors that are also ESG-aligned, such as telecommunications, tech manufacturing, healthcare, and the halal economy. ✓ Facilitate demand for Shariah-compliant investments through a diversified client base, including HNWIs and commercial clients. ✓ Take advantage of BIMB Securities’ status as the only full-fledged Shariah-compliant stockbroker in Malaysia to respond to Shariah vs conventional asset segregation. ✓ Expand into global Shariah advisory market. Market recovery trajectory ✓ Leverage “higher for longer” profit rates and favourable market conditions to maximise trading income in our Forex business. ✓ Expand into emerging sectors, e.g. transition financing to support clients’ sustainable journeys. Digitalisation and technological advancements ✓ Drive digital initiatives that not only deliver a better customer experience, but are also able to keep costs in check. ✓ Invest in our digital capabilities and improve bank-wide systems, including our credit origination system, cash management platform (eBanker Pro), supply chain financing platform (REVEX), Treasury systems, trading platforms at BIMB Securities, and retail investment platforms at BIMB Investment. OUTLOOK AND PROSPECTS With Malaysia’s economic growth set to moderate to 4.6% next year, our macroeconomic outlook remains cautiously optimistic. The global macroeconomic environment, however, presents greater downside risks, including heightened geopolitical and trade uncertainties, which will affect the broader business and investment climate, and thus our business. Nevertheless, we remain well-positioned to navigate emerging challenges and capitalise on growth opportunities as they emerge. With a robust operational foundation, we remain committed to delivering impactful solutions, supported by a focus on sustainability-driven strategic initiatives, innovation and customer-centricity. Advancing Green and Sustainable Asset Acquisition In 2025, we will continue to drive growth through an originateto-distribute model, focusing on green and sustainable asset acquisition. Aligned with global sustainability goals, our priority will be on acquiring green and renewable energy assets, thereby supporting the transition to a low-carbon economy. By leveraging our expertise and market insights, we will aim to expand our sustainable financing portfolio by offering innovative and Shariah-compliant solutions. These efforts will empower our clients to transition toward a greener future and reinforce our position as a leader in sustainable finance. Strengthening the Commercial Segment To support balance sheet growth and mitigate credit risks in 2025, we plan to scale programme-based lending initiatives while maintaining rigorous credit origination standards. Diversifying revenue streams will remain a key priority, with a focus on enhancing our suite of investment banking, treasury services, and tailored investment solutions for commercial clients. These strategies will drive quality lending practices and deliver sustainable fee-based income growth. Building Our Expertise in Emerging Growth Areas Looking ahead, we will focus on emerging growth opportunities to address critical market needs in 2025. Transition financing for sustainability initiatives will remain a core area, alongside supply chain financing to boost operational efficiencies in key sectors. We also see significant potential in private equity fund investments to capture high-growth opportunities and in providing global Shariah advisory services to businesses seeking entry into the expanding halal economy. Driving Digital Transformation for Operational Excellence Digital transformation will be central to our operational outlook in 2025. We will enhance client experiences through advanced platforms and cutting-edge solutions while streamlining operations to improve efficiency. By fostering a culture of customer centricity and aligning our teams with clear KPIs, we are poised to scale our operational model and deliver long-term growth, cementing our commitment to operational excellence. 107 w w w . b a n k i s l a m. c o m 01 02 03 04 MD&A – BUSINESS REVIEW 05 06 07 08 09
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