Refers to the funds available for achieving our growth and fulfilling financial commitments. Our ability to access and manage financial capital plays a critical role in our long-term value creation. INPUTS • 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 TRADE-OFFS Our financial capital is invested to create long-term value for shareholders and stakeholders by providing quality financial products to our customers, strengthening our digital offerings and acquiring the right skills and talents. Investments in digital transformation initiatives may require significant upfront costs without immediate returns, impacting short-term financial metrices such as profits and margins. Comprises physical assets and infrastructure essential for our operations, such as buildings, technology systems, and equipment. Effective management of manufactured capital ensures smooth operations and helps us maintain a competitive edge. INPUTS • 135 branches • 18 SME hubs • 486 ATMs • 29 Ar-Rahnu outlets • 994 Self-service Terminals • 7 Bureau de Change outlets • RM122.4 million investment in IT and technology TRADE-OFFS Expanding our physical infrastructure enhances accessibility and connectivity, potentially impacting short-term financial resources. We believe this strategic investment strengthens relationships with stakeholders, contributing to long-term financial sustainability. Financial Capital Manufactured Capital FC MC OUTPUTS/OUTCOMES 2022 2023 Profit Before Zakat and Taxation (PBZT) (RM million) 746.9 746.8 Profit After Zakat and Tax (PAZT) (RM million) 491.7 553.1 Total Assets (RM billion) 89.9 91.0 Net Return on Equity (%) 7.5 7.8 Earnings Per Share (sen) 22.86 24.57 Dividend Payout Ratio (%) 60 60 ACTIONS TO ENHANCE OUTCOMES • Regularly engage with investors and shareholders to manage their expectations on our financial decisions. • Focus on the business units to drive the realisation of new business models to enhance product and service offerings. OUTPUTS/OUTCOMES 2022 2023 Volume of active enquiries and transactions via online platforms, including Internet Banking, and GO by Bank Islam and Be U by Bank Islam mobile banking app (million) 186 218.3 Value of active enquiries and transactions via online platforms, including Internet Banking, and GO by Bank Islam and Be U by Bank Islam mobile banking app (RM billion) 59.4 62.7 No. of active Internet/mobile banking customers, including Internet Banking, and GO by Bank Islam and Be U by Bank Islam mobile banking app (million) 2.9 3.4 No. of physical touchpoints per customer 7 7 ACTIONS TO ENHANCE OUTCOMES • Expand our digital banking platform to deliver more inclusive and cost-effective financial solutions to customers. 35 1 2 3 4 5 6 7 8 9 www.bankislam.com VALUE CREATION AT BANK ISLAM
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