Bank Islam Malaysia Berhad (98127-X)

Climate Impact & Sustainability Data (2017)

Launched the BIMB-Arabesque Malaysia Shariah-ESG Equity Fund
Increased Green Financing portfolio to RM523.6 million
Implemented energy-saving measures (LED lights, energy-saving mode on equipment, MFPs)
Reduced paper and print volume through MFPs

Voted Top 3 Most Popular Graduate Employer in Banking and Financial Services Sector 2017
Ranked Top 20 in Malaysia’s 100 Leading Graduate Employers 2017
Received Best Sustainability at the Islamic Business & Finance South East Asia Awards 2017
Company of the Year Award (Banking Category – GLC) at the CSR Malaysia Awards 2017
Launched AMAL programmes (Projek Bantuan Rumah, Projek #BuatBaik, Hari AMAL, AMAL Ihtimam Ramadan, AMAL Musa’adah, Back2Skool)
Supported uniformed personnel during Ramadan
Shared Hari Raya joy with the underprivileged
Supported small business owners through AMAL Musa’adah
Supported education through Visit-to-School Programme and Science Show Competition
Supported underprivileged youths through Back2Skool
Supported suraus and musollas through Anugerah Surau Imarah Sekolah-Sekolah
Championed renewable energy innovations through Projek Eco-Balai Rawatan

Established Ethics & Integrity department
Enhanced whistle-blowing policy
Strengthened corporate and conduct culture through compulsory e-Learning courses on AML/CFT and data protection
Received various awards reflecting focus on value delivery in all aspects of business

Competitive pricing in House and Fixed Asset Financing, lowering profit margin
Rising property prices and lower disposable income affecting affordable home financing
Changes in consumer spending pattern affecting Personal Financing
Regulatory changes promoting lower charges for mobile transactions impacting fee-based income
Weak currency and lower commodity prices affecting Commercial Banking
High property overhang in certain states affecting bridging financing portfolios
Competition from larger banks in Corporate Banking
Challenging fixed income environment and escalating price war among financial institutions in Treasury
Stringent regulatory compliances particularly on Foreign Exchange Administration Rules

Cautious asset growth approach focusing on favored industry sectors and existing customers
Vigilant and prudent underwriting standards with stronger due diligence process
Enhanced monitoring infrastructure focusing on aggressive collection and early care management
Proactive campaigns to increase mobile banking subscriber base
Realignment of Personal Financing towards more stable sectors
Establishment of “Ezxcess” online hyperlink for 24-hour accessibility for PF
Introduction of more co-brand cards
Selective of new businesses in Commercial Banking
Implementation of measures in approval processes and efforts towards effective recovery
Defensive and selective reinvestment approach in Treasury
Aggressive marketing of IA products
Establishment of Digital Banking Division and collaboration with Cognizant for digital banking platform
Focus on optimising proven strategies in new segments

Frameworks Used: Value-based Intermediation (VBI), Malaysian Financial Reporting Standards, Companies Act 2016

Third-party Assurance: KPMG Malaysia

Best Sustainability (Islamic Business & Finance South East Asia Awards 2017)
Most Outstanding Islamic Retail Bank (KLIFF Islamic Finance Awards 2017)
Largest Payment Volume – Islamic Debit Card Award (Visa Malaysia Bank Awards)
Highest Payment Volume Growth – Debit Co-Brand Card Award (Visa Malaysia Bank Awards)
Best Customer Experience (DirectDebit) (Malaysian e-Payments Excellence Awards 2017)
Highly Commended Award for Best New Product, Service or Innovation Launch (Retail Banker International Asia Trailblazer Awards 2017)
Best Islamic FinTech Deal (The Assets Asian Awards 2017)
Best Islamic ESG Bank (The Assets Asian Awards 2017)
Company of the Year Award (Banking Category – GLC) (CSR Malaysia Awards 2017)
Top 3 Most Popular Graduate Employer
Top 20 in Malaysia’s 100 Leading Graduate Employers 2017