Bank Islam Integrated Annual Report 2022

OUTLOOK 2023 is expected to remain a challenging year, with the economy projected to grow at a modest rate of 4.5% amidst external headwinds. Nevertheless, we are confident in our ability to navigate the landscape and continue our growth trajectory. We entered the new year from a position of strength, with our capital ratio exceeding industry standards at 19.4% and our liquidity coverage ratio at an impressive 170.4%, along with a CASA ratio of 36.8%, which demonstrates our strong liquidity position. In addition, we are committed to maintaining our focus on sustainability and are intensifying our efforts in green and sustainable financing. Our goal is not only to meet the needs of our customers but also to contribute to a healthier planet and society. We can be a force for good in the world of finance, and we are dedicated to being pioneers in the field of sustainable and ethical banking. By channelling our resources towards responsible and sustainable financing practices, we can protect our business and customers from climate risks and drive positive change in the world. ACKNOWLEDGEMENTS As we approach our 40th anniversary in 2023, I want to thank all our stakeholders for their unwavering trust and support. Firstly, I would like to acknowledge our employees who have been the backbone of BIMB, serving with dedication and commitment. I am truly amazed by the passion and commitment of our pioneers, who have been with us since the beginning. Their stories continue to inspire us to strive for excellence. I also want to express my appreciation to our strong Board of Directors, who have been equally passionate in guiding us towards achieving our goals and objectives. Additionally, I would like to extend my gratitude to our shareholders for their continued support and belief in our vision. We have also been fortunate to work closely with our regulators, such as Bank Negara Malaysia. Thank you for your ongoing efforts and support in driving positive change through the financial sector. Lastly, I would like to thank all our other stakeholders who have significantly shaped our journey thus far. As we move forward, we remain steadfast in our commitment to creating value for each of you. Thank you once again for your support and trust in BIMB. MOHD MUAZZAM MOHAMED Group Chief Executive Officer We entered the new year from a position of strength, with our capital ratio exceeding industry standards at 19.4% and our liquidity coverage ratio at an impressive 170.4%, along with a CASA ratio of 36.8%, which demonstrates our strong liquidity position. Integrated Report 2022 26 Group Chief Executive Officer Statement

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