INPUTS Our business model demonstrates how we leverage our six capitals to create value in the form of outputs and outcomes, and how we ensure the sustainability of our business for our stakeholders. FINANCIAL CAPITAL • Total Assets: RM89.9 billion • Total Equity Group: RM6.8 billion • Total Equity Bank: RM6.7 billion • Total Customer Deposit: RM60.7 billion • Total Asset Under Management: RM2.2 billion • Market Capitalisation: RM5.9 billion INTELLECTUAL CAPITAL • Strong brand value with almost 40 years of sustained success as the pioneering, pure, full-fledged Islamic financial institution • Strong reputation as the global source of reference for the Islamic financial industry • Strong value proposition through partnerships with key organisations, institutions, and public agencies HUMAN CAPITAL • A diversified workforce of 4,744 employees nationwide, made up of 2,433 males and 2,311 females • An agile, performance-based, purpose-led culture driven by TAAT values • RM9.7 million invested in training that supports strategic themes and material issues MANUFACTURED CAPITAL • Dedicated network of 135 branches and 947 self-service terminals nationwide • Concentrated effort to enhance the delivery of digital solutions and deployment of automated processes through significant investment in IT development and infrastructure, including cyber-security • Continuous investment in promoting mobile applications and online channels including GO by Bank Islam mobile banking app, Sadaqa House and Internet Banking SOCIAL AND RELATIONSHIP CAPITAL • More than 5.7 million customers served • Beneficial engagements with government, regulators and NGOs to strengthen relationships and contribute to the betterment of the industry and society • Adoption of sustainable practices based on realising the UN SDGs and ESG objectives NATURAL CAPITAL • Continued commitment to Green Financing effort, which focuses on financing within the renewable energy, green technology, and waste management sectors • Emphasis on corporate and social initiatives that promote positive environmental impact • Electricity usage if 12,784,982 kWh (increase from 12,395,485 kWh in 2021) • 42,064,650 reams of paper (reduction of 36,426,600 reams from 2021) KEY RISKS MATERIAL MATTERS Think Customer TAAT VALUES DEPOSITS AND CASH MANAGEMENT CONSUMER BANKING COMMERCIAL BANKING OUR CAPITALS... ... ENABLE VALUE-ADDING Credit Risk Market Risk Liquidity Risk Operational Risk Information Technology (IT) Risk Shariah NonCompliance (SNC) Risk Regulatory/ Compliance Risk Climate Risk Model Risk Sustainable Economic Performance Talent and Development Energy and Climate Change Labour Standards and Practises Corporate Governance and Business Ethics Customer Experience Employee Wellbeing, Health and Safety Environmental Stewardship Sustainable Supply Chain Data Privacy and Security Purposeful Financial Services Diversity & Inclusion Community Enrichment Collaboration and Partnerships Risk Management STRATEGIC PRIORITIES DIGITALISATION COMMUNITY EMPOWERMENT B ■ CUSTOMER-CENTRICITY ■ SUSTAI NABLE PROSPERI T Y Integrated Report 2022 32 Our Value Creating Business Model
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