SHARIAH REVIEW & SHARIAH AUDIT (CONTINUED) Shariah Audit Shariah Review 1) Central Financing Processing Centre 1) Annual Shariah Compliance Review on Compliance with Labuan Financial Services Authority’s Guidelines on Shariah Governance for Labuan Islamic Financial Institutions 2) Bureau De Change 2) Unit Trust – 3rd Party New Product – BIMB-Arabesque Global Shariah Sustainable Equity Fund 3) Deposits and Cash Management Division 3) Unit Trust – 3rd Party New Product – Makmur myWakaf Fund 4) eChannels Division 4) Unit Trust – 3rd Party New Product – BIMB One-Year Shariah Income Fund 3 (“BOSIF 3”) 5) Contact Centre & Customer Care 5) Takaful – 3rd Party New Product – Business Reducing Term Takaful (“BRTT”) 6) SME Banking Division 6) Takaful – 3rd Party New Product – Business Level Term Takaful (“BLTT”) 7) Shariah Risk Management 7) Review on Consumer Financing Products Against BNM’s PD on Tawarruq 8) Shariah Compliance Department 8) Review on Murabahah to the Purchase Orderer (“MPO”) for NonTrade Products Against Bank Negara Malaysia (“BNM”) Policy Document (“PD”) of Murabahah 9) Group Shariah Division 9) Review on Mudarabah-Based Products Against Bank Negara Malaysia (“BNM”) Policy Document (“PD”) of Mudarabah 10) Group Financial Inclusion Division 10) Review on Implementation of Ibra' (“Rebate”) Against BNM’s Guideline on Ibra’ for Sale-Based Financing 11) Vehicle Financing Department 11) Group Thematic Review on BIMB Investment Sdn. Bhd.: Guidelines on Islamic Fund Management 12) Bank Islam Labuan Offshore Branch (“BILOB”)1 12) Review on BIMB-Arabesque Global Shariah-ESG AI Technology (“BGSEAIT”) 13) 44 Bank Islam Branches1 13) Joint review with Product Management Division (“PMD”) on Biennial Performance Review Exercise on Existing Tawarruq Commodity Trading Platforms/Providers (“CTP”) (Shariah Compliance Aspects) 14) Thematic Review on Financing Moratorium 14) Review on Implementation of Shariah Advisory Council (“SAC”) of Bank Negara Malaysia's Resolution on Bai' 'Inah: Application of Bai``Inah In Negotiable Islamic Debt Certificate (“NIDC”) Issuance 15) Review on the Business Operations of Bank Islam Trust Company (“Labuan”) Ltd 16) Review on Bank Islam Debit Card-i (BIDC-i) Against Bank Negara Malaysia (“BNM”) Policy Document (“PD”) on Debit Card-i 17) Review on Kafalah-Based Products Against Bank Negara Malaysia (“BNM”) Policy Document (“PD”) of Kafalah ^ Only Shariah related findings were escalated for deliberation and decision of SSC Financial Statements 233 01 05 03 07 02 06 09 04 08 Bank Islam Malaysia Berhad
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