Approval of applications is subject to fulfilment of eligibility criteria. Since the onset of the pandemic crisis, Bank Islam has continuously been purposeful in empowering communities, by providing initiatives such as the automatic deferment plan for repayment and SME Special Relief Facility ("SSRF") to help alleviate the short-term cash flow predicament faced by SMEs. The Bank also introduced iTEKAD microfinancing programme to support B40-owned micro-enterprises affected by the pandemic. As a further commitment, a series of webinars have been held, in addition to leveraging on GO by Bank Islam mobile app to serve customers better. In paving the way for preservation and creation of wealth, the world's first Shariah Sustainability Robo-Intelligence Investing app called BEST Invest was launched by our subsidiary, BIMB Investment Management Berhad.