Bank Islam Integrated Annual Report 2022

MANAGEMENT DISCUSSION AND ANALYSIS SUSTAINABILITY STATEMENT FINANCIAL STATEMENTS LEADERSHIP 04 05 08 06 A. STRATEGIC REVIEW 40 Operating Environment 41 Key Market Trends Shaping Our Business 44 Material Matters 48 Key Risks and Mitigations 52 Our Strategic Roadmap: LEAP25 54 Strategic Performance Review 60 Key Performance Indicators B. PERFORMANCE REVIEW 62 5-Year Financial Summary 63 5-Year Financial Highlights 64 Financial by Contract 65 Segmental Analysis 66 Simplified Statements of Financial Position 67 Statement of Value-added & Distribution 68 Quarterly Performance 69 Financial Calendar C. BUSINESS REVIEW 70 Consumer Banking 75 Deposits and Cash Management 80 SME Banking 84 Corporate Banking 89 Commercial Banking 95 Treasury and Markets 98 BIMB Investment 104 BIMB Securities 108 Sustainability Overview 110 Sustainability Dashboard 111 Sustainability @ BIMB 113 Sustainability Governance 115 Economic Impact 122 Environmental Impact 125 Social Impact 142 Good Governance ACCOUNTABILITY 07 178 Corporate Governance Overview Statement 201 Additional Compliance Information 202 Board Audit & Examination Committee (BAEC) Report 208 Statement on Risk Management and Internal Control 223 Directors’ Report 230 Statement by Directors 231 Report of the Shariah Supervisory Council 237 Statutory Declaration 238 Independent Auditors’ Report 242 Statements of Financial Position 243 Statements of Profit or Loss 244 Statements of Other Comprehensive Income 245 Consolidated Statement of Changes in Equity 249 Statements of Cash Flow 253 Notes to the Financial Statements 383 Pillar 3 Disclosure 154 Corporate Information 156 Board Composition 157 Board of Directors’ Profile 167 Shariah Supervisory Council’s Profile 170 Profile of Management Team 176 Heads of Subsidiaries’ Profile 177 Organisation Structure ADDITIONAL INFORMATION 09 443 Shareholdings’ Analysis 446 Properties Owned by BIMB Group 447 Directory of Main and Regional Offices 451 Ar-Rahnu Branches 453 SME Hub 454 Bureau de Change 455 Vehicle Financing Sales Hub 457 Subsidiaries of BIMB Group 458 GRI Context Index 462 Notice of the 40th Annual General Meeting 469 Statement Accompanying Notice of the 40th Annual General Meeting 470 Administrative Guide Form of Proxy

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