Bank Islam Malaysia Berhad (Bank Islam or the Group) has been leading the way in advancing prosperity for all our customers for the past 40 years. As we continue to move forward, our core objective remains the same – to create sustainable value for all our stakeholders. To achieve this, we have redefined our growth strategy and embraced innovative methods to future-proof our business. Our LEAP25 business strategy roadmap underpins our transformation journey, as we focus on driving sustainability, pursuing new opportunities, accelerating digital initiatives, and enhancing efficiency. At the heart of our transformation programme is a customer-centric approach, coupled with our broad range of offerings and comprehensive digitalisation efforts. We believe this approach will help us to create new growth opportunities, while also enabling us to contribute to sustainability, green financing, Shariah-ESG and ESG-compliant investing. As we commemorate 40 years of advancing prosperity for all, we take pride in our accomplishments and look forward to the opportunities ahead. Our unwavering commitment to providing innovative solutions and unparalleled customer experiences while staying true to our core values of integrity, excellence, and social responsibility. ACCOUNTABILITY 197 Corporate Governance Overview Statement 224 Additional Compliance Information 225 Board Audit & Examination Committee (BAEC) Report 231 Statement on Risk Management and Internal Control FINANCIAL STATEMENTS 247 Directors’ Report 254 Statement by Directors 255 Report of the Shariah Supervisory Council 261 Statutory Declaration 262 Independent Auditors’ Report 266 Statements of Financial Position 267 Statements of Profit or Loss 268 Statements of Other Comprehensive Income 269 Consolidated Statement of Changes in Equity 271 Statements of Cash Flow 275 Notes to the Financial Statements 405 Pillar 3 Disclosure ADDITIONAL INFORMATION 470 Shareholdings’ Analysis 473 Properties Owned by Bank Islam 474 Directory of Main and Regional Offices 478 Ar-Rahnu Branches 480 SME Hubs 481 Bureau de Change 482 Vehicle Financing Sales Hubs 484 Subsidiaries of Bank Islam 485 GRI Content Index 489 TCFD Index 490 Notice of the 41st Annual General Meeting 496 Statement Accompanying Notice of the 41st Annual General Meeting 500 Administrative Guide 506 Abbreviation 509 Glossary • Form of Proxy Inspiring Progress EnsuringSustainability For All
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