INPUTS TAAT VALUES VBI DRIVERS OUR CAPITALS... ... ENABLE VALUE-ADDING Think Customer Our business model demonstrates how we leverage our six capitals to generate value in the form of outputs and outcomes. It highlights how we ensure the sustainability of our business for the benefit of our stakeholders. Sustainable Prosperity Community Empowerment FINANCIAL CAPITAL • Total Assets: RM91.0 billion • Total Equity Group: RM7.4 billion • Total Customer Deposit: RM59.0 billion • Market Capitalisation: RM5.7 billion • Total Asset Under Management: RM0.8 billion MANUFACTURED CAPITAL • A nationwide network of 135 branches and 994 self-service terminals • Established 7 green branches across Malaysia • Invested RM122.4 million in IT and technology HUMAN CAPITAL • Diversified workforce of 4,908 employees nationwide, made up of 2,508 males and 2,400 females • Delivered 51 engagement sessions SOCIAL AND RELATIONSHIP CAPITAL • Served 4.4 million customers • Delivered 31 engagements with government/regulators and NGOs • RM12.8 million investment made in community enrichment/contributed to community • Played an active role in leadership initiatives such as JC3 and CEO Action Network INTELLECTUAL CAPITAL • Strong brand value with 40 years of sustained success as the pioneering, pure-play, full-fledged Islamic financial institution NATURAL CAPITAL • Electricity usage of 16.2 million kWh • 48.5 million sheets of paper used • 212.1 million litres of water consumed FC HU MF SR IN NT KEY RISKS AND MITIGATION CR MR LR Credit Risk Market Risk Liquidity Risk OR ITR SNC Operational Risk Information Technology (IT) Risk Shariah NonCompliance (SNC) Risk RCR CR Regulatory/ Compliance Risk ClimateRelated Risk MATERIAL MATTERS SRF CX TD Sustainable and Responsible Finance Customer Experience Talent and Development GGC DPS EEI Good Governance and Conduct Data Privacy and Security Emissions and Environmental Impact CESF SSC CRO Community Empowerment and Social Finance Sustainable Supply Chain Climate Risks and Opportunities EHS DI Employee Well-being, Health and Safety Diversity and Inclusion Read more on page 48 Read more on page 56 OUR STRATEGIC ROADMAP: LEAP25 SP Sustainable Prosperity RE Real Economy CE Community Empowerment CC Customercentricity VBC Values-based Culture D Digitalisation Read more on page 60 Social Finance Treasury and Markets Liquidity Management Investment Banking and Advisory BIMB Investment BUSINESS ACTIVITIES 32 Bank Islam Malaysia Berhad ◆ Integrated Annual Report 2023 Our Value Creating Business Model
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