BIMB Integrated Annual Report 2017

BANK ISLAM MALAYSIA BERHAD KEY INPUTS OPERATING ENVIRONMENT INFRASTRUCTURAL CAPITAL • 147 branches and online platforms • 5 BDC outlets • 9 Ar-Rahnu outlets • 1,117 self-service terminals • RM132.3 mil investment in IT infrastructure • RM3.6 mil investment in mobile banking INTELLECTUAL CAPITAL • Pioneering & leading Islamic finance and banking institution • Robust risk management and governance framework • Strong brand franchise • Product innovations – Waqf House Financing, Investment Account (IA), ESG-compliant funds • Service innovations – TAP, IAP (leading IAP provider), Sadaqa House • Strategic partnerships – Petronas, PTPTN, LTH, STMB, Arabesque, Cognizant, Amanah Ikhtiar Malaysia, Universities etc. HUMAN CAPITAL • Attractive Employee Value Proposition • 4,568 employees • RM12.8 mil invested in talent enrichment • Structured succession planning • Competitive employee benefits SOCIAL & RELATIONSHIP CAPITAL • More than 4.3 mil customers • RM5.6 mil invested in community and corporate responsibility projects • RM12.9 mil paid out in zakat • AMAL programmes and initiatives – Flagship for CSR activities • Sadaqa House – Flagship for social finance • Participation in SL1M programme • 416 man-hours spent for CSR NATURAL CAPITAL • Environment Impact Screening for credit evaluation • Green Financing portfolio • Launched first ESG- & Shariah-Compliant Fund • Energy-saving measure • Paperless initiative REGULATORY CHANGES COMPETITIVE LANDSCAPE ECONOMIC CONDITIONS FINANCIAL CAPITAL • RM4.86 bil Common Equity Tier-1 Capital • RM1.4 bil Tier-2 Capital • RM5 bil total equity • RM46.2 bil total deposits • RM4.3 bil in investment accounts (IA) RISK AND OPPORTUNITIES GOVERNANCE PERFORMANCE FUTURE OUTLOOK OUR BUSINESS S H A R I A H R U L E S & P R I N C I P L E S ( M A Q A S I D A L - S H A R I A H ) P E O P L E • P L A N E T • P R O S P E R I T Y R E S P O N S I B L E F I N A N C E I N C L U S I V E G R O W T H E M P L O Y E R R E S P O N S I B L E & R E P O R T I N G E T H I C A L P R A C T I C E VALUE-BASED INTERMEDIARY 18 BIMB HOLDINGS BERHAD Integrated Annual Report 2017