UOB Malaysia has strengthened its retail banking by acquiring Citigroup’s consumer banking business, expanding its customer base and fortifying its market position. The bank took advantage of this growth by enhancing its digital capabilities, including the refresh of its TMRW app, resulting in a 63% growth in digitally active customers. Retail revenue grew by 49% year-on-year, driven by personalised customer experiences and innovative digital solutions. It also leads foreign banks in Malaysia with a 19% share in credit cards and 8% in mortgages.