BIMB Integrated Annual Report 2017

06 68 329 319 154 305 34 48 OVERVIEW 06 Corporate Information 08 Shareholding Structure 10 Our Purpose 12 Our Profile 14 Our Footprint 16 Our Business Models • BIMB Holdings Berhad • Bank Islam Malaysia Berhad • Syarikat Takaful Malaysia Berhad 22 Letter to Shareholders 28 Financial Performance Highlights 31 Financial Calendar ACCOUNTABILITY 68 Board of Directors 76 Chairmen of Shariah Committees 80 CEO’s of the Group 84 Management 88 Shariah-Compliant Confirmation Statement 90 Corporate Governance Overview Statements • Chairman’s Corporate Governance (“CG”) Overview Report • Audit & Examination Committee (“AEC”) Chairman’s Report • Nomination & Remuneration Committee (“NRC”) Chairman’s Report • Board Risk Committee (“BRC”) Chairman’s Overview Report 139 Statement of Risk Management & Internal Control 146 Additional Compliance Information 149 Statement on Directors’ Responsibility 21 ST AGM INFORMATION 329 Notice of 21 st Annual General Meeting 332 Statement Accompanying Notice of 21 st AGM Proxy Form SUSTAINABILITY PERFORMANCE DATA 319 FTSE4Good Bursa Malaysia (“F4GBM”) 325 Global Reporting Inititative (“GRI”) G4 FINANCIAL STATEMENTS 154 Directors’ Report 161 Statements of Financial Position 163 Statements of Profit or Loss and Other Comprehensive Income 165 Statements of Changes in Equity 168 Statements of Cash Flow 170 Notes to the Financial Statements 297 Statement by Directors 298 Statutory Declaration 299 Independent Auditors’ Report SHAREHOLDERS INFORMATION 305 Properties Owned by BHB Group 312 Share & Warrant Holdings Statistics 318 Regional Group Network VALUE CREATION 34 Valuing Lives 38 Key Outcomes 40 Stakeholder Engagement 42 Our Material Matters MANAGEMENT DISCUSSION & ANALYSIS 48 The Market Landscape 52 BIMB Holdings Berhad’s Performance Review & Outlook 57 Bank Islam Malaysia Berhad’s Performance Review & Outlook 59 Syarikat Takaful Malaysia Berhad’s Performance Review & Outlook 62 BIMB Securities Sdn Bhd’s Performance Review & Outlook 64 2018 Strategic Journey