CIMB Islamic is Asia-Pacific’s best Islamic transaction bank, setting the regional benchmark through a well-defined Shariah-compliant strategy and a deeply integrated platform spanning cash management, trade finance, deposits, risk solutions and digital delivery.
CIMB Islamic’s breadth and depth of product capability and transaction banking expertise underpin CIMB Group’s Islamic-first approach within this segment, ensuring Shariah-compliant solutions are consistently positioned at the forefront of client engagement. This strength is reinforced by targeted investment in sector-driven financing and government-backed programmes that have expanded access to Islamic liquidity and trade facilities.
Initiatives such as BizJamin-i and the MADANI guarantee schemes enable clients to secure long-tenor financing with reduced collateral requirements, supporting deeper participation in priority sectors, including high technology, halal supply chains and healthcare.
Cash management and payments form a central pillar of the franchise. CIMB Islamic has built a model focused on embedding operating account relationships into broader client engagement, integrating financing with payment and collection flows. This approach supports clients’ day-to-day liquidity needs while strengthening deposit stability for the bank, reflecting a disciplined, relationship-driven model rather than one reliant on pricing alone. The result is a more resilient current account savings account (CASA) base and deeper, more durable client relationships.
A comprehensive range of Shariah-compliant funding solutions supports client liquidity management. Investment accounts provide flexible structures linked to underlying performance, offering clients an alternative to conventional deposits while reinforcing the broader Islamic value proposition.
Through SMEBizReady and targeted inclusion initiatives, we empower SMEs to grow sustainably, in line with our purpose of advancing customers and society
Abdul Jalil Jalaludin
In trade finance and supply chain solutions, the bank has closely aligned its Shariah-compliant offerings with national development priorities and evolving client needs. By leveraging government-supported facilities and targeted programmes, CIMB Islamic has extended working capital and capital expenditure financing on more accessible terms, including longer tenors and partial guarantees.
At the same time, it has demonstrated agility through specialised solutions such as petrol-station dealer financing, designed to help clients navigate structural shifts in the economy, manage cost pressures and maintain operational stability at critical moments.
Digital capability is a key differentiator. CIMB Islamic’s OCTO Biz platform integrates payments, accounts and funding into a single digital ecosystem, linking transaction flows directly to liquidity access. Solutions such as SME FlexiCash-i build on this model, enabling rapid onboarding and collateral-free financing with repayment structures aligned to cash flow. The result is a more efficient, data-driven approach to working capital, improving speed to market while expanding access to Shariah-compliant solutions.
Abdul Jalil Jalaludin, head of transaction banking, CIMB, says: “CIMB Islamic’s transaction banking is committed to delivering digital-first, Shariah-compliant innovations such as SME FlexiCash-i; aligning financing with real business cash flows while expanding access for underserved segments. Through SMEBizReady and targeted inclusion initiatives, we empower SMEs to grow sustainably, in line with our purpose of advancing customers and society.”
CIMB Islamic’s platform is further strengthened by a coordinated, one-bank approach and a team with deep-sector expertise, enabling consistent execution across the full transaction banking client relationship while maintaining robust Shariah governance. Its cohesive and scalable franchise combines innovation with disciplined execution, delivering tangible outcomes for clients and cementing CIMB Islamic’s leadership in Islamic transaction banking across Asia-Pacific.
