STRATEGIC REVIEW OUR SIX PILLARS Our strategic pillars are tightly integrated and their components are complementary, with benefits from improvements in one reinforcing progress across the others. For example, to better meet our clients’ needs, we increased our focus on digitalisation and expanded our product offerings. This, in turn, improves the Group’s resilience, supports diversification, drives efficiency and reduces cost and operational risk, while providing an improved experience for our customers. Our continued growth will be driven by our transformation as we implement the strategies defined by these six pillars, cementing our aspiration towards leadership in digital banking and social finance. S p e a r h e a d i n g the development of a Halal digital community and empowering our c u s t ome r s t o engage with us in the way that they want to. Ensuring the long-term sustainability of the Group and creating value for our stakeholders. Sustainable Prosperity Upholding Shariah goals and the principles of VBI. Values-based Culture P l a c i n g o u r customers at the heart of al l our p l a n n i n g a n d decision-making. CustomerCentricity Becomi ng the commun i ty ’ s preferred Islamic finance provider and delivering on our responsibilities as a committed corporate citizen. Community Empowerment Growing wealth in the economy on equitable terms. Real Economy Digitalisation INTEGRATED ANNUAL REPORT 202 1 Key Messages Overview Value Creation MD&A Sustainability Leadership Accountability Financial Additional Information 63
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