To be the Household Name for SMEs by 2018

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

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To be the Household Name for SMEs by 2018

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	Created by f f over 9 years ago