inside this report KEY MESSAGES 01 6 Message from the Chairman 12 Message from the Group Chief Executive Off icer OVERVIEW OF BANK ISLAM 02 22 Vision | Mission | TAAT Values 23 Who We Are 24 Our Presence 25 How We Are Structured: Group Corporate Structured 26 What We Do: Core Businesses 28 2021 Key Highlights 28 Financial Highlights 29 Business Highlights 30 Awards & Recognition 32 Our Competitive Advantage 34 Signif icant Events 2021 VALUE CREATION AT BANK ISLAM 03 36 Our Approach to Value Creation 38 Realising VBI 39 Harnessing Capitals 42 Our Value Creating Business Model 44 Stakeholder Engagement
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