FINANCIAL CAPITAL To stay resilient within the current banking landscape, strong financial capital is necessary. Our financial capital enables us to sustain business operations, create and manage shareholder value and give back to our nation and society. HOW WE CREATE VALUE: BIMB depends on robust equity and revenue to sustain and grow its business. We have in place prudent strategies to mitigate risks and meet industry liquidity requirements. We provide savings, investment and other forms of client-specific products. We manage and execute all our client interactions with the highest professionalism, ethics and transparency. HIGHLIGHTS Common Equity Tier-1 Ratio – 13.2% Total Equity – RM6.4 billion Total Deposit – RM67.4 billion Our manufactured capital allows us to grow financial value through an expanded reach and uplift societal value by catalysing inclusivity of underserved communities. HOW WE CREATE VALUE: We provide several access points and banking methods to facilitate options and to improve customer experience. We strive to introduce new operation channels adopting latest advances in technology. HIGHLIGHTS 141 Bank Islam branches nationwide with 451 ATMs 17 SME Hubs 7 Bureau de Change outlets 9 Ar-Rahnu outlets RM15.7 million investment in IT infrastructure MANUFACTURED CAPITAL Capitals are stocks of value we depend on as the inputs to our business model, and which are increased, decreased or transformed through our business activities and outputs. Our capitals are the resources and relationships that are essential to our business. We create value and deliver on our strategy by transforming the various capitals. We seek to operate and grow inclusively, responsibly and sustainably, thereby maximising value creation and minimising any negative impacts. Hence, our long-term relevance as a business depends on these capitals’ availability, utilisation, and consequent value delivered. When deciding how to manage our business, we consider the trade-offs between capitals: we aim to maximise positive outputs and outcomes and limit negative impacts. Capitals key to our long-term value creation include Financial Capital, Manufactured Capital, Intellectual Capital, Human Capital, Social & Relationship Capital and Natural Capital. INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 39 HARNESSING CAPITALS
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