Page 26 - Exim iar24_Ebook

EXIM BANK MALAYSIA
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STRATEGIC DIRECTION

EMBRACING “IHSAN” BANKING: A COMMITMENT STRATEGY 2025
TO ETHICAL AND SOCIAL RESPONSIBILITY
In 2025, EXIM Bank continues the momentum built under its
Ihsan Banking goes beyond simple compliance with Shariah previous three-year strategic roadmap, further refining its
principles, encouraging financial institutions to enhance their approach in alignment with evolving business requirements
operations by integrating elevated standards of moral and and the national development agenda. Anchored by the
ethical considerations. As EXIM Bank advances towards the enduring theme, “Towards Ihsan Banking,” the strategy reflects
adoption of Islamic banking principles while intertwining them the Bank’s commitment to ethical, purposeful, and high-impact
with sustainability initiatives, the strategic theme of Ihsan banking that supports Malaysia’s trade and export ecosystem.
Banking aligns seamlessly with this vision. This vision is Following the Government’s announcement on the planned
anchored on four strategic pillars: amalgamation of EXIM Bank, Bank Pembangunan Malaysia
(BPMB), and SME Bank, this strategic direction has been
recalibrated to remain adaptive and forward-looking.

1. Business Growth: Driving sustainable financing For 2025, EXIM Bank has outlined six strategic focus areas to
and trade facilitation to empower exporters and support its long-term aspirations and national priorities:
SMEs, aligned with the Maqasid Shariah objective
by fostering equitable economic growth and
supporting ethical trade practices. 1. Digitalisation and Process Improvement
2. Developmental Mandate: Championing national 2. Brand Awareness
trade and export development to achieve
socioeconomic advancement, upholding Hifz 3. Customer Experience
Al-Nafs (protection of life) and Hifz Al-Nasl
(protection of progeny) by creating opportunities 4. Priority Business Areas
for communities and future generations.
3. Operational Excellence & Governance: Enhancing 5. Growing Fee-Based Income
efficiency, digitalisation, and governance in
adherence to Shariah principles, ensuring 6. Optimising Funding Structure
transparency, innovation, and accountability in all
operations. The Bank’s strategy is also guided by the materiality
4. Environment (Sustainability & ESG Alignment): assessment conducted in 2023, where Customer Experience
Embedding ESG principles into business strategies and Digitalisation & Transformation emerged as the top two
to support projects with significant socioeconomic material matters. In response, the Bank is actively working
and environmental impact, fulfilling Hifz Al-Bi’ah to improve its turnaround time for disbursements under the
(protection of the environment) and Hifz Al-Din Operational Excellence pillar, while advancing end-to-end
(protection of faith) by promoting stewardship and digitalisation of internal processes to support scalable and
ethical responsibility. responsive operations. To enhance customer experience,
EXIM Bank is leveraging the MGC platform and tapping
into the collective strength of the merging DFIs. This will
not only enhance service delivery but also strengthen the
This alignment highlights a commitment to evolve into a Bank’s visibility and brand reputation across the regional
more conscientious and responsible financial institution. development finance ecosystem.
By embracing the principles of Ihsan Banking, EXIM Bank
aspires not only to uphold the tenets of Islamic finance but In parallel, the Bank continues to drive the implementation
also to foster a culture of integrity, empathy, and societal of Islamic First Policy (IFP) strategic initiatives, reinforcing
stewardship. Through dedicated efforts, the Bank aims to its commitment to strengthening Islamic finance offerings.
make a meaningful contribution to the development of a more These initiatives are aligned with national aspiration aims
ethical and sustainable financial ecosystem that benefits at deepening Shariah-compliant financing capabilities and
all stakeholders. Beyond its essential roles as financiers and ensuring Islamic finance remains as a foundation pillar of
providers of takaful/insurance services, EXIM Bank seeks to the Bank’s long-term value creation strategy.
take on a more profound responsibility in safeguarding the
well-being of Malaysians and promoting the overall economic
prosperity of Malaysia.