2881924
To be the Household Name for SMEs by 2018
- KPI for 2018
- GRR
- 4x
- 2016(P) : 2.57x
- 2017(P) : 3.17x
- 2018(P) : 4x
- 2016(P) : 2.57x
- 4x
- Loan Base
- RM14.5 billion
- RM14.5 billion
- Pretax profit
- Min. RM149.5 million
- 2016(P) : RM141.8mil
- 2017(P): RM144.7mil
- 2018(P) : RM149.5mil
- 2016(P) : RM141.8mil
- Min. RM149.5 million
- Brand Awareness Survey
- 80/90%
- 2016(P): 66%
- 2017(P) : 74%
- 2018(P) : 80/90%
- 2016(P): 66%
- 80/90%
- Graduation rate
- 50%
- 2016(P): 47.5%
- 2017(P) : 48.2%
- 2018(P): 50.0%
- 2016(P): 47.5%
- 50%
- GRR
- Mandate
- Perform
developmental role
for SMEs in a
financially
sustainable manner .
- Perform
developmental role
for SMEs in a
financially
sustainable manner .
- *Key Initiatives*
- Vision, Mission &
Core Values
- Vision
- To be an effective financial institution dedicated to promoting
the growth and development of competitive and dynamic
small and medium enterprises.
- To be an effective financial institution dedicated to promoting
the growth and development of competitive and dynamic
small and medium enterprises.
- Mission
- To enhance the viability of small and medium enterprises through
the provision of products and services at competitive terms and,
with the highest degree of professionalism, efficiency and
effectiveness
- To enhance the viability of small and medium enterprises through
the provision of products and services at competitive terms and,
with the highest degree of professionalism, efficiency and
effectiveness
- *Core Values
- 3Ps
- Proactive - Anticipate & Act
- Preventive - Identify & Solve
- Process -Oriented -
Understand & Improve
- Proactive - Anticipate & Act
- 3Ps
- Vision
- Strategic Objectives
- 1. Market Outreach across respective SME
segments / micro segment
- Branches as SME focal points to maximize
outreach
- CGC branches as one stop centre
- Full range of channels: branch + mobile team +
internet + call centre + mobile device + partner
outlets
- CGC branches as one stop centre
- Recognized as Start-up
Champion
- 10% of loan approval for Start-up segment
- 10% of loan approval for Start-up segment
- Structured SME graduation
programs
- 50% graduation rate
- 2016(P) : 47.5%
- 2018(P) : 50.0%
- 2017(P) : 48.2%
- 2016(P) : 47.5%
- End to end facilitation
and programmes
- 50% graduation rate
- Innovative value proposition across all SME segments
- Differentiated products /
services for Micro, Small &
Medium Segments
- Differentiated products /
services for Micro, Small &
Medium Segments
- Branches as SME focal points to maximize
outreach
- 2. Achieve Financial Sustainability
- Operating income (excl. investment inc.) to
exceed operating expenses (incl. provision)
- Achieve financial
sustainability with
+5% gap
- 2016(P) : 1%
- 2017(P): 3%
- 2018(P): 5%
- 2016(P) : 1%
- Cost to Income
capped at 35%
- 2016(P) : 32%
- 2017(P) : 33%
- 2018 (P): 34%
- 2016(P) : 32%
- Achieve financial
sustainability with
+5% gap
- Profitability – Pretax profit
- Minimum net profit threshold of RM100 million per annum
- Minimum net profit threshold of RM100 million per annum
- Return on Equity (ROE)
- Minimum ROE of 5%
- Minimum ROE of 5%
- Operating income (excl. investment inc.) to
exceed operating expenses (incl. provision)
- 3. Enhance Operational Efficiency & Excellence
- Superior Customer Services
- AM/PM Loans Approval for selected products
- Improved TAT in Claims Payment and Disbursement
- Technology enabled processes
- AM/PM Loans Approval for selected products
- Strengthen Internal Control
- Achieve Satisfactory BNM Audit rating
- Embedded Risk Culture Organization
- Sound corporate governance
- Achieve Satisfactory BNM Audit rating
- Superior Customer Services
- 4. Enhance Corporate
Governance & Internal control
- 5. Stakeholders & Market Recognition
- Market Recognition & Awards
- Top Employer of Choice Among DFIs e.g.
MIHRM HR Awards - Employer of Choice
(Gold/Silver)
- Nacra Award in non-financial category
- Product Awards (e.g. PG / WG)
- Top Employer of Choice Among DFIs e.g.
MIHRM HR Awards - Employer of Choice
(Gold/Silver)
- Gain International Prominence
- Cross-Border Offering
- Most sought after for
advisory services
- Cross-Border Offering
- People
- 85% staff engagement level
- The most productive Workforce amongst
the SME DFIs Cluster
- 85% staff engagement level
- Market Recognition & Awards
- 1. Market Outreach across respective SME
segments / micro segment
Media attachments
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