ANALYSE OPERATING ENVIRONMENT MATERIAL MATTERS CAPITAL RESOURCES STAKEHOLDER ENGAGEMENT 1 FORMULATE 2 EXECUTE 3 See pages 46 to 53 See pages 42 to 43 See pages 54 to 57 See pages 44 to 45 We constantly monitor and evaluate our operating environment to understand what is needed to enable us to thrive in today’s dynamic banking environment. Key market trends affecting BIMB’s business are: • M oderate Economic Recovery • Interest Rates and Other Financial Consequences • Digitalisation • Workforce Challenges • Sustainability Concerns and Climate Change • Geopolitics We conduct regular engagements with stakeholders in order to gain insights into their key needs and interests and to respond accordingly. Local Communities Investors Customers Employees Government & Regulators We apply the principle of materiality by focusing on the issues, challenges and opportunities that materially impact our business and our ability to create value for our stakeholders. Responsible Finance Inclusive Growth Talent Enrichment Ethical Practice and Reporting Islamic Finance and Knowledge Sharing Financial We drive capital appreciation for sustainable growth by reinvesting income and earnings that we generate back into our core business. Manufactured We develop and manage a broad range of physical assets and channels that enable us to deliver financial services and meet our stakeholders’ needs. Intellectual We promote a values-driven culture and develop knowledge-based intangible assets that sustain our competitive edge in the market. Human Our people are at the heart of our organisation. We nurture the skills and knowledge of our employees and have built an inclusive culture that enables them to drive our growth. BANK I SLAM MALAYS IA BERHAD 36 OUR APPROACH TO VALUE CREATION
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