FINANCIAL CAPITAL Refers to the funds available to achieve our growth and financial commitments. Our ability to access and manage financial capital is critical to our long-term value creation. Inputs • RM89.9 billion total assets • RM6.8 billion total equity • RM5.9 billion market capitalisation Key Constraints • Retaining support of providers of capital by balancing short-term returns against capital retention for long-term growth. Actions to Enhance Outcomes Actions to enhance outcomes: • Engagement with shareholders and investors. • Engagement with analysts and fund managers. • Engagement with potential shareholders via event organised by fund managers. • Participation in relevant conferences, e-conferences, e-forums and webinars. Outputs/Outcomes 2022 2021 Profit Before Zakat and Taxation (PBZT) (RM million) 746.9 704.2 Dividend Payout Ratio (%) 60 50 Return-on-Equity (based on PBZT) (%) 11.3 11.1 Earnings Per Share (sen) 22.86 21.87 MANUFACTURED CAPITAL Includes the physical assets and infrastructure needed to operate, such as our buildings, technology systems, and equipment. Effective manufactured capital management allows us to run smoothly and maintain a competitive edge. Inputs • 135 branches • 16 SME hubs • 451 ATMs • 29 Ar-Rahnu outlets • 947 Self-service Terminals • 7 Bureau de Change outlets • RM82.7 million in technology expenses • 3 contact centres Key Constraints • Costs and challenges related to maintaining ATMs and branches, particularly in less urban/rural areas. Actions to Enhance Outcomes • Expand our digital banking platform to deliver more inclusive and cost effective financial solutions to customers. • Streamlining operational processes to increase efficiency through automation and digitalisation. Outputs/Outcomes 2022 2021 No of active enquiries and transactions via online platforms (billion) 1.6 1.2 No. of active internet/ mobile banking customers (million) 3.0 2.3 Value Creation At Bank Islam Bank Islam Malaysia Berhad 35 01 05 03 07 02 06 09 04 08
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