Bank Islam Integrated Annual Report 2020

Capitals are stocks of value upon which we depend on as the inputs to our business model, and which are increased, decreased or transformed through our business activities and outputs. Our capitals are the resources and relationships that are essential to our business. We create value and deliver on our strategy by transforming the various capitals. We seek to operate and grow inclusively, responsibly and sustainably, thereby maximising value creation and minimising any negative impacts. Hence, our long-term relevance as a business depends on the availability of these capitals, their utilisation and the consequent value delivered. When making decisions on how to manage our business, we consider the trade-offs between capitals: we aim to maximise positive outputs and outcomes and limit negative impacts. Capitals key to our long-term value creation include Financial Capital , Manufactured Capital , Intellectual Capital , Human Capital , Social & Relationship Capital and Natural Capital . FINANCIAL CAPITAL To stay resilient within the current banking landscape, strong financial capital is necessary. Our financial capital enables us to sustain business operations, create and manage shareholder value and give back to our nation and society. HOW WE CREATE VALUE: Bank Islam depends on robust equity and revenue to sustain and grow its business. We have in place prudent strategies to mitigate risks and meet industry liquidity requirements. We provide savings, investment and other forms of client specif ic products. We manage and execute all our client inter ac t i ons wi th the highes t degree of professionalism, ethics and transparency. Our manufactured capital allows us to grow financial value through an expanded reach and uplift societal value by catalysing inclusivity of underserved communities. HOW WE CREATE VALUE: We provide several access points and methods of banking to facilitate options and to improve customer experience. We strive to introduce new channels of operation, adopting latest advances in technology. HIGHLIGHTS :ɁȴȴɁȶ KɧʍȈɽʰ ěȈljɨӸѴ :ƃɥȈɽƃȢ ӵ ĄÃѹӝѵ ƹȈȢȢȈɁȶ ěȈljɨӸѵ :ƃɥȈɽƃȢ ӵ ĄÃѵӝѵ ƹȈȢȢȈɁȶ ěɁɽƃȢ KɧʍȈɽʰ ӵ ĄÃѹӝѶ ƹȈȢȢȈɁȶ ěɁɽƃȢ AljɥɁɰȈɽ ӵ ĄÃѸѴӝѴ ƹȈȢȢȈɁȶ Žȶʤljɰɽȴljȶɽ ƺƺɁʍȶɽɰ ӵ ĄÃѴѵӝѷ ƹȈȢȢȈɁȶ MANUFACTURED CAPITAL HIGHLIGHTS Ѵѷѷ Bank Islam branches nationwide with Ѽѷѹ ATMs Ѵѷ SME Centres ѻ Bureau de Change outlets Ѽ Ar-Rahnu outlets ĄÃѺѺӝѹ ȴȈȢȢȈɁȶ investment in IT infrastructure ĄÃѸӝѸ ȴȈȢȢȈɁȶ investment in mobile banking BANK ISLAM MALAYS IA BERHAD INTEGRATED ANNUAL REPORT 2020 35 HARNESSING CAPITALS