A Assets: Resources owned by the Group including cash, investments, financings and physical properties. Al-Awfar: A low-risk, innovative investment account based on the concept of Mudharabah. It invests in Bank Islam’s House Finance and Fixed Asset portfolio for sustainability. Asnaf: Recipients eligible to receive zakat (tithe) assistance. Ar-Rahnu: A short-term financing where customers pledge gold as collateral for the financing facility provided. B Bai’ Bithaman Ajil: Sale contract based on deferred payment at a certain price. Bai’ Al-Dayn: Sale of debt. B40: Represents the 40% of households nationwide with a net income of below RM4,850 per month. Be U by Bank Islam: A fully cloud-native digital banking app for seamless banking transactions, targeting the digital-native, younger generation to broaden financial inclusivity. BEST app: An online unit trust investing platform by BIMB Securities. BISonline: An Islamic mobile trading platform by BIMB Securities. BITIZEN: A term representing Bank Islam citizens, comprising the Group’s employees. C Capital: Stocks of value that are increased, decreased, or transformed through the activities and outputs of the organisation. E Environmental, Social and Governance (ESG): A framework that helps stakeholders understand how an organisation is managing risks and opportunities associated with environmental, social, and governance criteria. F FTSE4Good Bursa Malaysia (F4GBM) Index: Launched in December 2014, it evaluates publicly listed companies’ ESG performance. Constituents are selected from the FTSE Bursa Malaysia Emas Index and are reviewed every June and December against international benchmarks developed in collaboration with FTSE Russell. FTSE4Good Bursa Malaysia Shariah (F4GBMS) Index: An ESG-themed index designed to track constituents in the F4GBM Index that comply with the Shariah principles, according to the Securities Commission Malaysia Shariah Advisory Council screening methodology. G Global Reporting Initiative (GRI) Standards: The first global standards for sustainability with a modular and interrelated structure, setting the benchmark for reporting economic, environmental, and social impacts. GO by Bank Islam: A mobile banking app that empowers Bank Islam customers access to their accounts and perform various banking transactions quickly and securely on their mobile devices, anytime and anywhere. GO Biz by Bank Islam: A mobile banking app for Bank Islam’s SME and microenterprises customers, enabling merchants to manage their business securely and efficiently from their mobile devices. Equipped with DuitNow QR services for seamless payment via DuitNow QR code. I Ihsan Sustainability Investment Account (ISIA): An investment fund designed to enable clients to foster a nature-positive economy to enhance the resilience of the environment and ensure inclusive growth across society. Ijarah Muntahiah Bit-Tamleek: Lease contract which ends with the acquisition of ownership of the asset by the lessee. Islamic Social Finance: Refers to financial modes deeply rooted in Islamic principles, intended for social welfare and benefit. Istisna’: Sale contract by way of order for certain products with certain specifications and a certain mode of delivery and payment (either in cash or deferred). iTEKAD BangKIT: Supporting underbanked B40 microentrepreneurs and asnaf group by providing funding for working capital and/or capital expenses. iTEKAD Maju: Providing financial support to eligible B40 and asnaf microentrepreneurs for their working capital and/or capital expenses to recover their business post-Movement Control Order (MCO). L LEAP25: Bank Islam’s five-year business strategy with aspirations to achieve leadership in Shariah-ESG total financing solutions with leadership in digital banking and social finance. 509 1 2 3 4 5 6 7 8 9 www.bankislam.com ADDITIONAL INFORMATION Glossary
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