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Bank Islam Integrated Annual Report 2022
BIMB INTEGRATED ANNUAL REPORT 2022
1
Inside Our Report
4
Overview of BIMB
6
Vision | Mission | Our Brand Promise | TAAT Values | Who We Are | Highlights
6
2022 Key Highlights
7
Financial Highlights
7
Business Highlights
7
Sustainability Highlights
7
Awards & Recognition
8
Our Competitive Advantages
9
Our Presence
10
What We Do: Core Businesses
12
Our Product & Services
13
How We Are Structured
14
Significant Events 2022
15
Key Messages
18
From the Desk of the Chairman
18
Group Chief Executive Officer Statement
21
Financial Review by the Group Chief Financial Officer
29
Value Creation At BIMB
32
Our Integrated Approach to Value Creation
32
Our Value Creating Business Model
34
Performance by Capitals
36
Stakeholder Needs and Expectations
40
Management Discussion And Analysis
42
A. STRATEGIC REVIEW
42
Operating Environment
42
Key Market Trends Shaping Our Business
43
Material Matters
46
Key Risks and Mitigations
50
Our Strategic Roadmap: LEAP25
54
Strategic Performance Review
56
Key Performance Indicators
62
B. PERFORMANCE REVIEW
64
5-Year Financial Summary
64
5-Year Financial Highlights
65
Financial by Contract
66
Segmental Analysis
67
Simplified Statements of Financial Position
68
Statement of Value-added & Distribution
69
Quarterly Performance
70
Financial Calendar
71
C. BUSINESS REVIEW
72
Consumer Banking
72
Deposits and Cash Management
77
SME Banking
82
Corporate Banking
86
Commercial Banking
91
Treasury and Markets
97
BIMB Investment
100
BIMB Securities
106
Sustainability Statement
110
Sustainability Overview
110
Sustainability Dashboard
112
Sustainability @ BIMB
113
Sustainability Governance
115
Economic Impact
117
Environmental Impact
124
Social Impact
127
Good Governance
144
Leadership
156
Corporate Information
156
Board Composition
158
Board of Directors’ Profile
159
Shariah Supervisory Council’s Profile
169
Profile of Management Team
172
Heads of Subsidiaries’ Profile
178
Organisation Structure
179
Accountability
180
Corporate Governance Overview Statement
180
Additional Compliance Information
203
Board Audit & Examination Committee (BAEC) Report
204
Statement on Risk Management and Internal Control
210
Financial Statements
224
Directors’ Report
225
Statement by Directors
232
Report of the Shariah Supervisory Council
233
Statutory Declaration
239
Independent Auditors’ Report
240
Statements of Financial Position
244
Statements of Profit or Loss
245
Statements of Other Comprehensive Income
246
Consolidated Statement of Changes in Equity
247
Statements of Cash Flow
251
Notes to the Financial Statements
255
Pillar 3 Disclosure
385
Additional Information
445
Shareholdings’ Analysis
445
Properties Owned by BIMB Group
448
Directory of Main and Regional Offices
449
Ar-Rahnu Branches
453
SME Hub
455
Bureau de Change
456
Vehicle Financing Sales Hub
457
Subsidiaries of BIMB Group
459
GRI Context Index
460
Notice of the 40th Annual General Meeting
464
Statement Accompanying Notice of the 40th Annual General Meeting
471
Administrative Guide
472
Form of Proxy
479
Errata
481
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