Headline KPIs Item/Year 2020 2021 2022 2023 2024 Total Assets (RM billion) 74.6 80.2 89.9 91.0 96.8 Total Capital (RM million) 8,352.9 8,741.2 9,131.2 9,871.0 10,158.4 Net Fund-based Income (RM million) 1,580.9 1,831.6 2,078.8 2,070.5 2,176.9 Non-fund-based Income (RM million) 532.8 357.4 231.1 406.6 397.7 Gross Impaired Financing (RM million) 373.2 568.4 835.2 636.0 742.3 Total Deposits and Investments Accounts (RM billion) 63.4 67.8 75.2 76.1 80.9 Short-to-Medium-Term Priorities • Adopt innovative strategies to attract and retain funds while building meaningful, long-term customer relationships. • Explore and implement new business models, such as embedded finance, to drive growth and diversify our revenue streams. • Take proactive measures to minimise our losses and bolster our recovery efforts. • Strengthen GIB and GRB through optimised operating models that drive revenue growth and deliver greater value. • Explore growth opportunities in areas such as Wealth Management, Ar-Rahnu, Gold Investment Account, and Vehicle Financing. • Implement the CORE Programme. Long-Term Priorities • Lead sustainability efforts by embedding sustainable practices into our core operations and decision-making processes. • Continue enhancing our climate-related risk practices to build resilience and align with global sustainability and climate developments. • Expand our range of sustainability-focused products and services to meet the growing demand for ethical and responsible financial solutions. • Maintain focus on customer-centricity amidst evolving market conditions by employing innovative strategies to attract and retain funds. • Drive business model traction and impact through operating models in GIB and GRB, with an emphasis on revenue growth and value creation. • Promote responsible growth by balancing profitability and asset growth. • Stay the course to drive value creation through the following key financial metrics: • Gross financing growth. • Asset quality. • Net income margin. • Return on Equity (based on PAZT). • Cost Reduction and Resource Efficiency (CORE) Programme. • Drive Shariah-compliant Sustainable Finance and innovative Islamic financial solutions to support sustainability and economic resilience. • Driving higher fee-based income from bancatakaful, wealth management, trade facilities, payment services and FX. • Expand our non-retail portfolio through GIB via: • Sustainability-led growth. • Investment Intermediary Model. • Foster purposeful sustainable impact by increasing traction in sustainability adoption, offering sustainability-based products and services, and embedding climate risk considerations into our business operations. • Improve HEV business penetration. • Enhance our branches’ renewable energy and energy efficiency efforts. • Position the organisation among major players promoting VBI, ESG, and UNSDGlinked investment activities in the capital market. • Drive our retail portfolio through GRB by: • Modernising core enablers. • Augmenting our distribution network. • Strengthening our client focus. • Building a holistic ecosystem. • Elevating ESG and SME banking. • Implementing data-driven solutions. • Drive a higher fee-based income from bancatakaful, wealth management, trade facilities, payment services and FX. Capitals: Key Risks: Material Matters: Stakeholders: FC SR NT RCR CRR CR MR LR RORBB SR SRF EEI CRO GR IV Priorities for 2025 67 w w w . b a n k i s l a m. c o m 01 02 03 04 MD&A – STRATEGIC REVIEW 05 06 07 08 09
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