LENDING
Division-in-Charge (Banking Division I, II & III)

• Project Finance
  Medium to long-term finance for commercial, industrial, agricultural and manufacturing projects.

• Bridging Finance
  Bridging loan for commercial and residential property development.

• Fixed Assets Finance
  Loan for the acquisition of machinery, equipment and plant modernisation.

• Working Capital Finance
  Working capital finance for established and on-going enterprises.

• Small and Medium Industries Finance
  Loans to support small and medium industries utilising special funds provided by Bank Negara Malaysia and/or Credit Guarantee Corporation.

ISLAMIC BANKING
Division-in-Charge (Banking Division II)

Financing based on profit-sharing under Islamic principles.

LOAN SYNDICATION
Division-in-Charge (Banking Division III)

Arranging, participating, managing and co-managing loan syndications for major projects.

CORPORATE ADVISORY
Division-in-Charge (Banking Division III)

Provision of advisory services for project evaluations in particular the financial aspects.

VENTURE CAPITAL / EQUITY PARTICIPATION
Division-in-Charge (Banking Division I)

Investment in equities of unlisted companies with high growth potential for purposes of divestment at later stage.

FINANCIAL INTERMEDIARY
Division-in-Charge (Banking Division III)

Acting as the Financial Intermediary for the State Government of Sabah.

OTHERS

• Project Rehabilitation
  Division-in-Charge (Banking Division III)
  Reviving non-performing/abandoned projects with the aim of eventually spinning-off these projects into commercially-viable ventures.

• Miscellaneous
  Division-in-Charge (Human Resource, Legal & Secretarial Division)
  Organises conferences, seminars, workshops and publishes regular economic bulletin for the general public including sponsoring general community services.