Case Study: Bank Islam achieves proactive risk monitoring and competitive advantage with SAS Credit Risk Management

Better risk management for competitive advantage

Bank Islam, a leading Islamic bank, faced a cyclical risk environment in which monitoring was largely reactive and the CRO’s role diminished during growth periods. The bank needed to discover stresses in its portfolio early, stop “firefighting,” and dynamically adjust underwriting criteria to protect asset quality while supporting competitive growth.

By deploying SAS® Credit Risk Management, Bank Islam gained granular segmentation, dashboard-driven monitoring and automated regulatory reporting, enabling weekly and monthly portfolio reviews. The bank now identifies high‑risk customer profiles before losses occur, adapts underwriting and pricing more precisely, and improves its asset base and decision-making—turning risk management into a proactive competitive advantage.

Bank Islam

Jeroen Thijs

Chief Risk Officer