MANAGEMENT DISCUSSION AND ANALYSIS 04 A. STRATEGIC REVIEW 46 Operating Environment & Key Market Trends 54 Material Matters 58 Key Risks and Opportunities 62 Strategic Roadmap: LEAP25 64 Strategic Performance Review B. PERFORMANCE REVIEW 72 Financial Review from the Group Chief Financial Off icer 76 5-Year Financial Summary 77 5-Year Financial Highlights 78 Financing by Contract 79 Financing by Segment 80 Simplif ied Statements of Financial Position 81 Statement of Value Added & Distribution 82 Quarterly Performance 83 Financial Calendar C. BUSINESS REVIEW 84 Consumer Banking 87 Deposits and Cash Management 90 Commercial Banking 93 SME Banking 96 Treasury and Markets 97 Corporate Banking 100 BIMB Investment Management 103 BIMB Securities SUSTAINABILITY 05 106 Sustainability Statement LEADERSHIP 06 134 Corporate Information 136 Board Composition 137 Board of Directors’ Prof ile 143 Shariah Supervisory Council’s Prof ile 146 Management Team’s Prof ile 155 Heads of Subsidiaries’ Prof ile 156 Regional Managers’ Prof ile 158 Organisation Structure ACCOUNTABILITY 07 160 Corporate Governance Overview Statement 186 Additional Compliance Information 187 Board Audit & Examination Committee Report 193 Statement on Risk Management and Internal Control 209 Statement on Directors’ Responsibility FINANCIAL STATEMENTS 08 211 Directors’ Report 218 Statement by Directors 219 Report of the Shariah Supervisory Council 225 Statutory Declaration 226 Independent Auditors’ Report 230 Statements of Financial Position 231 Statements of Prof it or Loss 232 Statements of Other Comprehensive Income 233 Consolidated Statement of Changes in Equity 237 Statements of Cash Flow 241 Notes to the Financial Statements 375 Pillar 3 Disclosure ADDITIONAL INFORMATION 09 435 Shareholdings’ Analysis 438 Properties Owned by BIMB Group 439 Directory 439 Directory of Main and Regional Off ices 446 Ar-Rahnu Branches 447 SME Hub 448 Bureau De Change 449 Vehicle Financing Sales Hub 450 Subsidiaries of BIMB Group ANNUAL GENERAL MEETING 10 451 Notice of the 39th Annual General Meeting 458 Statement Accompanying Notice of the 39th Annual General Meeting 459 Administrative Guide • Proxy Form INTEGRATED ANNUAL REPORT 202 1
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