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BENEFIT Annual Report 2018 BENEFIT Annual Report 2018 0 1 0 1 0 0 0 1 1 1 0 1 0 0 1 1 0 0 1 0 0 0 1 1 0 0 0 1 1 1 0 1 0 1 0 0 0 1 1 1 0 1 0 0 1 1 0 0 1 0 0 0 1 10 0 0 111 0 10 10 0 0 1110 10 0 110 0 10 0 0 110 0 0 1110 10 10 0 0 110 0 0 1110 10 10 0 0 1110 10 0 110 0 10 0 0 110 0 0 1110 10 10 0 0 1 110 1 0 0 1 10 One Vision, One Goal, One Team, One Nation. 0 1 0 0 0 1 10 0 0 1 1 1 0 1 0 1 0 0 0 1 1 1 0 1 0 0 1 BENEFIT Annual Report 2018 1 0 0 1 0 0 0 1 1 0 0 0 1 1 1 0 1 0 1 0 0 0 1 1 0 BENEFIT Annual Report 2018 Contents Introduction 2 Vision, mission and profile 4 Chairman’s Message 8 CEO Statement 12 Board of Directors 16 Products and Services 20 5 year growth 24 Management Team 26 Corporate Governance 28 Benefit Annual General Meeting 38 His Royal Highness His Royal Majesty His Royal Highness Extraordinary General Meeting 41 Prince Khalifa bin King Hamad bin Isa Prince Salman bin Hamad Report of the Directors 45 Salman Al Khalifa Al Khalifa Al Khalifa Prime Minister King of the Kingdom The Crown Prince, Independent Auditors’ Report to the Shareholders 47 of Bahrain First Deputy Prime Minister & Deputy Supreme Consolidated Statement of Financial Position 49 Commander Consolidated Statement of Profit or Loss and other Comprehensive Income 50 Consolidated Statement of Changes in Equity 51 Consolidated Statement of Cash Flows 52 Notes 53 0 0 110 0 0 1110 10 10 0 10 10 0 1 110 0 0 1 10 10 www.benefit.bh 10 11 0 0 10 0 1 0 0 0 1 10 0 1 10 10 11 0 To view and download our 0 0 1 latest annual report and of 0 1 0 previous years, simply scan 1 1 1 the QR code. 0 0 0 1 1 0 0 0 1 0 1 0 1 1 1 Licensed by Central Bank of Bahrain as Ancillary Service Provider 0 0 0 1 1 0 0 0 1 0 0 1 1 0 0 1 0 11 0 1 0 0 0 1 0 1 0 11 10 10 0 1 0 0 11 0 0 10 10 11 0 110 0 0 0 0 10 0 0 11 0 0 1 0 0 0 1110 10 10 0 0 1110 10 0 11 Introduction One Vision, One Goal, One Team, One Nation One. Everything begins with one. It is the starting point. The beginning. It sets the pace, and puts in motion the forces that need to be unleashed. Unresting. Unyielding. The power of one is what provides the foundation for developments that stand the test of time and the springboard for growth. One. Not just a number but a thought that expresses something unique that cannot be replaced. Or describes the forcefulness of being single minded about an idea that can have far-reaching impact. The BENEFIT Company is one such organization whose influence continues to grow since inception in 1997. It remains committed to its vision of being an agent of digital transformation; to the goal of positioning Bahrain as a leader in digital economy; to the team that works towards providing services; and to see Bahrain succeed as a banking and business destination. 2 BENEFIT Annual Report 2018 www.benefit.bh www.benefit.bh BENEFIT Annual Report 2018 3 Vission, mission and profile Our vision Company profile To be a leader in Electronic Payments, Fund The BENEFIT Company celebrates over two decades of value added BENEFIT’s range of services supported by GCCNet in countries within services that have played a critical role in shaping Bahrain’s business the region include operating of Automated Teller Machines (ATM), Point of Transfer, Business Process Service, and support in friendly credentials and as an acknowledged economic powerhouse. Sale (POS), GCCNet, The GCCNet Dispute Management System, Bahrain the financial and non-financial sectors by adding It was formed with strong values that have enabled the organisation to Credit Reference Bureau (BCRB), Electronic Fund Transfer System(EFTS), value to the shareholders and community in the support not just the banking and financial services sector but also the Telecom Bill Payment (Tele BP), Payment Gateway (PG), Bahrain Cheque government, the corporate world and the general public in delivering Truncation System (BCTS), , and BenefitPay as a national e-wallet across region. reliable fintech products and services. Bahrain. BENEFIT remains committed towards providing ease, convenience and BENEFIT remains committed to strengthen Bahrain’s position as the speed to both business processes and financial transactions. This will financial hub of the region. Hence, the company continues to provide Our mission enable Bahrain’s financial sector to seamlessly connect with customers robust infrastructural support for the financial industry – enabling the Provide innovative Payment Capabilities, Information spread across diverse geographical base, enriching business financial and banking community to remain true to their vision and relationships and boosting interactions with member banks and other develop an environment that helps customers in achieving their goals. Management Solutions, and Business Process stakeholders. Outsourcing Services that add value to the financial At the heart of BENEFIT’s success story is the quality of its workforce that As a provider of one of the most sophisticated tools for all electronic have enabled the company to be at the leading edge of all fintech sector and other stakeholders to manage their financial transactions throughout the kingdom, BENEFIT’s road to initiatives in Bahrain and beyond. BENEFIT recognises the importance of success has been paved by a combination of skilled workforce, cutting investing in its employees and helping them to be professional achievers. 011101010 0 01 business effectively. 0110 0 1101 edge technology, focused strategic planning and initiatives, and a 010 0 0 01 Also, the support given to gender equality, women empowerment and 110 10 0 determination to provide the most advanced financial service for those 10 0 10 Bahrainisation have enabled skilled and talented Bahrainis to reach and 10 0 residing in Bahrain. 11 01 exceed their potential while contributing to the company’s growth 0 0 10 10 0 BENEFIT was established in November 1997 by 17 commercial banks as trajectory. Today, as an employer of choice for many young Bahrainis, 0 01 01 1 the National ATM and Point of Sale switch of Bahrain. It was initially BENEFIT provides an equal platform for both men and women to ascend 10 1 the career ladder and women employees, in particular, are keenly 0 licensed by the Central Bank of Bahrain (CBB) to be ‘the provider of 1 0 ancillary services for the financial sector,’ and soon expanded to cover involved in leadership, management and decision making capacities. 0 0 markets outside Bahrain. The company’s mandate was very simple to 1 BENEFIT is administered by a Board of Directors representing important 1 improve, to enhance and to enable the local and regional financial 1 stakeholders besides the key shareholders. The company’s paid-up 0 industry to thrive on a global scale. 1 capital is to the value of BD 3.1 million (US$ 8.2 million approx.). 0 0 1 The original 17 shareholders have now become 14 because of mergers 1 0 and acquisitions in the retail banking sector. 0 1 0 0 0 1 1 National Bank of Bahrain 8 Alsalam Bank - Bahrain 1 0 2 Bank of Bahrain and 9 BMI Bank 0 0 Kuwait 10 Arab Bank 1 1 3 Ahli United Bank 1 11 Future Bank 0 4 Standard Chartered Bank 1 12 Ithmaar Bank 0 5 HSBC Bank Middle East 1 13 Habib Bank Limited 0 Limited 14 United Bank Limited 0 6 Bahrain Islamic Bank 0 1 To visit our website and 7 Citibank 1 0 learn more about us and 0 the services we provide, 0 1 simply scan the QR code. 1 1 0 1 0 1 0 0 0 1 1 1 0 BENEFIT Annual Report 2018 www.benefit.bh 1 www.benefit.bh BENEFIT Annual Report 2018 0 4 0 5 1 1 0 0 1 0 0 0 0 0111010 0 0110 0 0 1 0110 1 0 0 0 01 0 01 0 1 1 11 1 0 1 0 0 01 11 0 0 0 10 010 0 0 110 11 10 0 101 110 0 01 10 0 01 10 010 0 0110 0 0111010 1 1 0 1 0 0 0 0 10 0 0 1 1 11 1 0 1 1 0 10 00 00 11 11 00 00 10 0 1 0 0 0 0 1 1 1 1 0 0 0 0 0 1 1 0 1 1 1 1 0 1 1 0 0 0 1 0 0 1 0 0 0 1 1 0 1 1 1 1 0 1 1 0 0 0 0 0 1 1 11 0 0 00 10 10 0 110 1 0 0 0 11 0 10 0 0 1 0 10 1 10 0 0 10 0 11 1 11 10 0 0 0 10 0 10 10 0 1 0 0 0 0 11 1 0 1 1 0 0 1 1 1 0 1 0 0 0 0 11 0 11 0 0 0 0 0 10 0 0 0 1 1 0 1 1 0 0 1 1 1 0 1 1 0 1 0 1 1 1 0 0 1 1 0 10 01 0 10 00 1 10 1 0 0 0 0 0 1 1 1 10 0 0 0 0 0 0 1 0 1 1 110 11 1 1 1 0 0 1 0 0 1 0 0 1 0 0 11 0 11 1 10 1 0 0 1 0 0 110 0 1 10 01 00 00 11 11 00 00 1 0 0 1 00 00 1 1 1 1 00 00 10 01 1 1 1 1 10 01 00 1 0 0 1 0 0 0 1 1 0 1 1 0 1 0 1 0 0 1 0 1 0 1 1 0 1 One 1 0 0 0 01 10 00 10 01 11 11 10 01 00 00 11 11 00 00 01 0 vision 1 00 00 11 11 00 0 0 10 BENEFIT provides the tools to 1 0 1 1 1 1 0 1 1 0 transform digitization into solutions 0 0 1 0 0 1 0 0 0 that work, and technologies that 1 1 0 1 1 1 1 0 1 1 impact the industry.
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