BIMB Integrated Annual Report 2017

We create value through the operation of quality assets in Banking and Finance, Stockbroking and Takaful within Malaysia’s Islamic financing sector. The key pillars of our sustainability efforts include Responsible Financing , Inclusive Growth , Talent Enrichment , Ethical Practice & Reporting and Islamic Finance & Knowledge-Sharing . The value of our business is in creating purposeful returns for our stakeholders, generated by our subsidiaries and other capitals owned or controlled. Our businesses aspire to create value for the real economy and society, and thereby achieve a multitude of additional benefits such as wealth creation and preservation, increased levels of employment, meaningful social contributions and positive environmental impact. The capitals that generate these values include the businesses of our subsidiaries, our employees, adequate nancial capital to pursue growth opportunities and underpinned by quality relationships with key stakeholders. An integrated approach across our subsidiaries results in leveraging the assets and resources within the Group under a uni ed management structure with a shared culture. All our subsidiaries business strategies are underpinned by BHB’s key pillars. This drives the value we offer our stakeholders, makes it simpler to do business with the Group and assists the market to understand the scale and diversity of our operations under the BHB Group. KEY OUTCOMES BHB creates value strategically and synergistically for our stakeholders; and through the value created by our subsidiaries. WHAT WE DO HOW WE CREATE VALUE FOR OUR STAKEHOLDERS STAKEHOLDERS IMPACTED We manage our shareholders funds, their expectations and Sukuk holder liabilities. By registering steady growth and growing yield, we ensure profitable and sustainable returns for our shareholders that commensurate with their risk appetite, while providing an avenue for us to attract more investors for the Company’s growth. Investing Community We provide, through our subsidiaries, end-to-end and pure Islamic financial solutions across a broad sector that covers banking, insurance and securities market. By continuing our strict adherence on Shariah rules and principles, as well as our focus on pure Islamic financial products and services, we fulfil our customers’ specific financial needs for Shariah-compliant solutions. Customers We provide strategic Group guidance in collaboratively identifying a unified direction and unified systems, anchored on our sustainability framework. We align a corporate direction that leads to adoption of sustainable practices that promote value-creation processes. We synergise processes and systems that promote business efficiency. Subsidiaries We provide avenues for cross-subsidiary resource and knowledge-sharing. We are creating more opportunities for our respective subsidiaries to increase their customer base by leveraging on the unique business portfolios offered by our respective subsidiaries. We are increasing the prospects for our respective subsidiaries to share knowledge and gain new perspectives, as well as possibilities to innovate solutions and service delivery. We share resources among our operating units, which result in enhanced efficiency in delivering products and services. Subsidiaries VALUE CREATION KEY OUTCOMES 38 BIMB HOLDINGS BERHAD Integrated Annual Report 2017