BIMB Integrated Annual Report 2017

KEY OUTPUTS CUSTOMERS • RM1.1 bil profits paid to depositors • RM0.1 bil profits paid to investment account holders • RM4.3 bil in new personal financing • RM3.2 bil in new home financing • RM2.9 bil in new business financing • RM335.8 mil in new vehicle financing • 589,415 TAP subscribers • 889,645 registered online users with more than RM6.9 bil in transactions • 281,958 PTPTN student accounts • RM6.1 bil in transactions for LTH Uniteller Service REGULATORS • Driving Value-Based Intermediary initiatives • Commitment to growing Investment Account (including via IAP ) • Support industry-wide digital agenda • Maintain composite risk rating • RM4.3 mil paid to PIDM for deposits protection • Ingrained compliance culture amongst staff EMPLOYEES • RM509.6 mil paid in remuneration to employees • 97.07% retention rate • More than 164,000 employee training hours • 301 employees promoted in 2017 • 216 employees obtained professional certificates in 2017 • Workforce diversity SHAREHOLDERS • 16.42% return on equity • 1.35% return on asset • 16.44% total capital ratio • RM266.5 mil of dividends paid to shareholders • Won 10 awards in 2017 COMMUNITY • Total of RM523.6 mil financing under Green Financing portfolio • Total ESG-compliant fund size of RM400 mil , the largest Islamic global equity fund in Malaysia (November 2015 – February 2016) • RM184.6 mil paid in corporate taxes ( RM48.3 mil paid out in GST) • 477 SL1M participants trained since 2014 • 190 SL1M trainees absorbed since 2014 • More than 23,000 individuals benefitted from CSR and zakat activities and programmes • 2,185 IPTA students benefitted from zakat distribution VENDORS & SUPPLIERS • Total premium of RM247.8 mil paid to BANCA partners • More than 1,000 registered suppliers • Approximately RM500 mil paid to vendors and business partners DIGITAL TREND 3D BUSINESS STRATEGY • DEPOSIT DRIVE • DEFENSIVE STRATEGY • DIGITALISATION PRODUCTS & SERVICES • Deposit & Investment Accounts • Consumer Financing • Business and SME Financing • Asset-based Financing • Project and Infrastructure Financing • Trade Finance • Wealth Management & BancaTakaful • Treasury Services • Cash Management Solutions • Credit & Debit Cards • Ar-Rahnu 21 st AGM Information Sustainability Performance Data Shareholders Information Financial Statements Accountability Management Discussion & Analysis Value Creation 19 Overview