Group Retail Banking WHO WE ARE AND WHAT WE DO Group Retail Banking (GRB) provides a wide range of financial services designed to meet the evolving needs of modern retail customers, striving always to strike a balance between profitability, innovation, and operational efficiency. GRB continue to prioritise customer-centric financial solutions, focusing on Shariah-compliant products that encompass Consumer Financing, SME Financing, Deposits and Investments, Cards, Ar-Rahnu, and Wealth Management. Our offerings are specifically designed to cater to the diverse needs of individuals, businesses, and high-net-worth clients, ensuring accessibility, efficiency, and seamless engagement to foster financial growth. OUR PORTFOLIO RETAIL ASSETS We empower individuals and businesses by offering a Shariah-based financing solutions, including Personal Financing, Home and Fixed Asset Financing, Vehicle Financing, and Ar-Rahnu. These offerings are underscored by a commitment to delivering exceptional customer experiences through strategic product positioning, continuous product enhancements, effective portfolio management, and streamlined process efficiency. RETAIL BANKING DISTRIBUTION Our Retail Banking Distribution unit is the primary interface for our individual and business clients, offering a wide range of financial solutions. With a skilled salesforce delivering exceptional customer service, our daily operations are focused on providing accessible services customised to meet the diverse needs of our clientele. WEALTH MANAGEMENT We cater to high-net-worth individuals by offering comprehensive wealth management services and customised financial strategies which encompasses 6 pillars of Islamic Wealth Management from cradle to the hereafter; Wealth Creation (Deposit), Accumulation (Investments), Preservation (Takaful), Purification (Zakat), Distribution (Will Writing) and Hereafter Planning (Sadaqa House). Through the Premier Wealth platform, we combine advanced technology with personalised advisory to support our clients in achieving their financial goals. SME BANKING We specialise in serving SMEs within the halal industry, providing Shariah-compliant financial solutions tailored to their unique needs. Our offerings include support for business expansion, halal certification, trade financing, digital transformation, and sustainable practices. Our goal is to become the preferred banking partner for SMEs in this sector. DEPOSIT AND CARDS Our deposit and card offerings are designed to build a robust deposit base while expanding card services. With a focus on enhancing liquidity and managing funding costs effectively, we aim to drive deposit growth among individual and corporate clients. Our card centred on creating a comprehensive, customer-focused ecosystem that evolves with consumers’ needs, aiming to expand offerings that enhance convenience, security, and rewards. 93 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 Business Review
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