OVERVIEW OF BANK ISLAM 04 Overview of Bank Islam Who We Are | Highlights | Vision | Mission | Our Brand Promise | TAAT Values 05 2023 Key Highlights • Financial Highlights • Business Highlights • Sustainability Highlights 06 Our Presence 07 How We Are Structured: Group Corporate Structure 08 Awards & Recognition 09 Our Competitive Advantage 09 Our Products & Services 10 Significant Events 2023 KEY MESSAGES 16 Chairman’s Letter 20 From the Desk of the GCEO 26 Financial Review by the GCFO VALUE CREATION AT BANK ISLAM 30 Our Approach to Value Creation – How We Create Value 32 Our Value Creating Business Model 34 Performance by Capitals 38 Stakeholder Engagement 40 Value We Create Inside Integrated Annual Report 2023 MANAGEMENT DISCUSSION AND ANALYSIS STRATEGIC REVIEW 43 Operating Environment 48 Material Matters 56 Key Risks and Mitigation 60 Our Strategic Roadmap: LEAP25 62 Strategic Performance Review PERFORMANCE REVIEW 68 5-Year Financial Summary 69 5-Year Financial Highlights 70 Financial by Contract 70 Segmental Analysis 71 Simplified Statements of Financial Position 72 Statement of Value Added & Distribution 72 Quarterly Performance 73 Financial Calendar 74 Investor Relations BUSINESS REVIEW 77 Group Retail Banking 86 Group Institutional Banking SUSTAINABILITY STATEMENT 97 Sustainability Statement 109 Economic Impact 118 Environmental Impact 122 Social Impact 152 Governance 170 Performance Data Table LEADERSHIP 172 Corporate Information 174 Board Composition 175 Board of Directors’ Profile 184 Shariah Supervisory Council’s Profile 187 Management Team’s Profile 195 Heads of Subsidiaries’ Profile 196 Organisation Structure
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