Bank Islam Integrated Annual Report 2022

Risks & Opportunities We proactively manage risks and capitalise on opportunities to grow our business and enhance long-term value, given the potential impact of these factors. See page 48 Credit Risk Market Risk Liquidity Risk Operational Risk Information Technology (IT) Risk Shariah NonCompliance (SNC) Risk Regulatory/ Compliance Risk Climate Risk Strategy Development Our LEAP25 strategy is shaped based on market and stakeholder needs, thus reinforcing our status as a Value-based Intermediary (VBI). Stakeholder Expectations We stay ahead of stakeholders’ evolving needs by adopting an integrated approach to decisionmaking and management, which enables them to deliver long-term value and maintain their position as a top Islamic bank in Malaysia. See page 38 At BIMB, we take a big-picture approach to creating value. By considering all aspects of our operations, we provide better and more sustainable outcomes. Our integrated approach to decision-making, management, and reporting helps us deliver long-term value as Malaysia's leading Islamic bank. SETTING THE CONTEXT DEVELOPING OUR STRATEGIC DIRECTION 01 02 Operating Environment Our value creation is shaped by factors such as economic conditions, regulations, and customer behaviour. Adapting to these elements is crucial for the Group to remain competitive and relevant. See page 40 Material Matters To create sustainable value, we prioritise issues that significantly impact business and stakeholder value. We employ the materiality principle to guide our strategies and business decisions. See page 44 See page 52 Sustainable Prosperity SP Real Economy RE Customercentricity CC Values-based Culture VBC Community Empowerment CE Digitalisation D Investors Government & Regulators Employees Customers Local Communities Sustainable Economic Performance Customer Experience Purposeful Financial Services Environmental Stewardship Community Enrichment Talent and Development Employee Wellbeing, Health and Safety Diversity & Inclusion Labour Standards and Practises Sustainable Supply Chain Collaboration and Partnerships Corporate Governance and Business Ethics Data Privacy and Security Risk Management Energy and Climate Change Integrated Report 2022 30 Our Integrated Approach to Value Creation

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