| Loans and Investment division | Credit lending and investment services primarily focused on retail and small business sectors. | Strong regulatory compliance, prudent risk management, client-centric credit processes. | Retail clients, small businesses (B2C and B2B). | Loan interest income yields highest margins. | 22 | 79 | Interest income from loans and returns on investments. | Interest-based lending with tailored repayment terms. | Conservative loan book management, risk mitigation, and capital deployment efficiency. | |
| Consultancy Division | Financial advisory and consultancy services tailored to corporate and individual clients. | Experienced team with diversified financial expertise and client relationships. | B2B clients seeking financial consultancy and advisory. | Consultancy services deliver high-margin fee income. | 5 | 18 | Fee-based consultancy revenue. | Project and retainer fee-based engagements. | Rising demand for specialized advisory in financial planning and investment. | |
| Others | Miscellaneous revenue streams including ancillary financial services. | Complementary to main financial offerings enhancing client engagement. | Various small scale B2B and B2C clients. | Low impact segment with opportunistic revenue. | 0 | 3 | Service fees and incidental income. | Transactional fees and service charges. | Diversification initiatives and leveraging existing client base. | |
