Page 68 - Bank-Muamalat_Annual-Report-2023

BANK MUAMALAT MALAYSIA BERHAD

COMMERCIAL
BANKING

Total Assets and Deposits
OUTLOOK & STRATEGY
Financing Asset Deposit (CA) Deposit (FTA)
(RM’ million) (RM’ million) (RM’ million)
In the upcoming year, CMBD remains resolute in its
1,558 1,927 1,707 1,877 909 1,049 pursuit of asset expansion. The division’s primary
focus will be on fostering strong relationships
with existing clientele while actively engaging in
lead generation endeavours aimed at attracting
369 170 140 potential customers with favourable credit ratings
across Commercial and SME sectors. Leveraging
Government-backed schemes and forging alliances
with governmental bodies, business associations,
2022 2023 2022 2023 2022 2023
and corporations will be instrumental in facilitating
asset growth and meeting the financing needs
Assets by Product of SMEs.

Total Assets Furthermore, targeted marketing initiatives will be
deployed, with emphasis on pivotal sectors including
RM1,927 million (24% YoY)
manufacturing, pharmaceuticals, healthcare, and
136 220 149 315 specific green sectors such as solar, wind, biomass,
hydro, and geothermal energy. CMBD will also
62 extend its services to customers holding government
FY2022 FY2023 146 contracts within preferred sectors.
RM1,558 RM1,927
million million To ensure robust asset quality while pursuing
expansion, CMBD will implement stringent screening
1,140 1,316 and appraisal procedures to acquire customers in
high-potential segments while effectively managing the
n MCash n MRF n Term n Trade risk of bad debts and maintaining overall asset quality.
Recognising the imperative of maintaining and
Outstanding Exposure to the Triple Bottom Line Sector enhancing asset quality, prevention measures will
be emphasised to prevent asset slippage, with close
Total Outstanding Exposure to the collaboration between CMBD and its customers
Triple Bottom Line Sector
to ensure timely payments and prevent overdue
RM1,567.87 million (17% YoY) payments. Through active support and guidance, CMBD
endeavours to uphold a healthy financing portfolio and
682.48 61.06 741.97 76.56 minimise the risk of asset quality erosion.
578.64 As part of its growth strategy, additional resources will
738.07 be deployed nationwide to manage the burgeoning
FY2022 FY2023
asset portfolio, ensuring compliance with governance
RM1,334.43 RM1,567.87
million million standards and the implementation of effective risk
management practices. Recruitment efforts will
continue to focus on acquiring professionals with
3.25 9.0 1.85 9.42
the requisite expertise and experience to support
CMBD’s organic expansion effectively.
n Preserving n Platform n Education n Hospitals n SME
Natural for raising and
Environment community medical
standard of equipment
living

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