Our success as a business is closely linked to the progress of the people, communities and businesses we serve; and as a stakeholder-centric organisation, BIMB strives to create value for everyone impacted by our business. We deliver this through our integrated model that recognises the connectivity and interdependency of the many factors that impact our ability to create stakeholder value, both now and into the future. This section describes our value creation story, which encompasses a range of factors, including our operating environment, stakeholder expectations, the capitals we utilise, our responses to the risks and opportunities that arise, and the overarching strategy that we have implemented. RISKS & OPPORTUNITIES STRATEGY VALUE CREATION 4 See pages 58 to 61 See pages 62 to 71 We maintain a robust risk management framework that enables us to mitigate risks and capitalise on the opportunities that we encounter in the course of business, and which underpins our effective value creation model. Risks identified: Information Technology (IT) Shariah Non-Compliance (SNC) Regulatory/Compliance Climate Credit Market Liquidity Operational We ha v e d e v e l op e d a comprehensive corporate strategy that incorporates our bus ines s objec t i ves and stakeholder needs, as well as clear performance benchmarks, to drive our growth and create sustainable value. Sustainable Prosperity CustomerCentricity Community Empowerment Real Economy Digitalisation Values-based Culture SP RE CC VBC CE D Social and Relationship We build strong stakeholder relationships that are critical to our business success, while contributing meaningfully to the communities in which we operate Natural We work to minimise our environmental impact by optimising the use of the natural resources required for our operations. WE CREATE SUSTAINED VALUE FOR ALL OUR STAKEHOLDERS, ENABLING US TO REALISE OUR STRATEGIC VISION OF LEAP25. INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 37
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