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Value-Driven Progress BANK ISLAM MALAYSIA BERHAD BANK ISLAM MALAYSIA (98127-X) VALUE-DRIVEN PROGRESS VALUE-DRIVEN All information detailed in this Integrated Annual Report is correct at the time of printing. BANK ISLAM MALAYSIA BERHAD (98127-X) Level 32, Menara Bank Islam No 22, Jalan Perak 50450 Kuala Lumpur Tel (6)03 2088 8000 Fax (6)03 2088 8028 www.bankislam.com.my INTEGRATED ANNUAL REPORT 2018 ANNUAL REPORT INTEGRATED VALUE-DRIVEN PROGRESS INTEGRATED ANNUAL REPORT 2018 Cover B ABOUT THIS REPORT Bank Islam is one of Malaysia’s nine Islamic banking players committed as an early adopter of Bank Negara Malaysia’s Value- based Intermediation initiative. This is aimed at moving the Islamic financial industry to the next level of growth by strengthening the impact of Islamic VALUE-DRIVEN PROGRESS banking institutions in generating positive www.bankislam.com.my/home/corporate-info/annual-reports/ and sustainable impact to the economy, environment and society by relying on An era of dynamic progress but a channel to holistically is being ushered. Today uplift the economy, Shariah in determining underlying values, the Bank focuses on the environment and society. moral compass and priorities. many segments of society The soaring visual shows Our 2018 annual report is an integrated it impacts with its products the Bank’s focus on and services. Uplifting heightening our impact on report that allows us to demonstrate our commitment to the real economy as we aim our commitment to realise value for our Value-Based banking to achieve greater heights stakeholders and provide details of our principles, banking is not with our stakeholders. opportunities and challenges in doing so, just a means of business as well as our strategies for the future. OUR COMMITMENT TO INTEGRATED REPORTING We are committed to the principles of integrated reporting as it aligns with our long-term value creation and the role we play as an Islamic bank in society, and makes corporate reporting more transparent and meaningful for our stakeholders. We are mindful that there is more we need to do to truly claim to be an integrated report. Our journey has just begun and together with us, our subsidiaries too have taken the initial step towards developing an integrated reporting mindset. GET IT As part of our efforts to create greater Download the “QR Code Reader” app from the Google Play (Android Market), accessibility through technology, and in line BlackBerry AppWorld, App Store (iOS/iPhone) or Windows Phone Store with environmental efforts to go paperless, Run it scan this QR Code with your smartphone to Run the QR Code Reader app and point your camera at the QR Code view this integrated annual report online. ACCESS IT Access information and updated news about Bank Islam COMPLIANCE SCOPE AND ASSURANCE Our report complies to Malaysian Financial All information included in this A significant component of our Reporting Standards and reporting requirements report refers to the year ended stakeholder engagement is the under the Companies Act 2016. The annual 31 December 2018, unless assessment of ever changing financial statements for the financial year ended otherwise stated. The content trends within our operating 31 December 2018 are audited by KPMG of this report is the result of environment and the material Malaysia. extensive engagement with pillars of our parent company. our Board of Directors and For more information on how Management Team as well these impact our creation of as initial feedback from our value for our stakeholders, stakeholder engagement efforts. refer to Our Business Model on page 22 of this report. DRIVERS The Bank is committed to four common These thrusts are incorporated in the following material matters of underpinning thrusts of Value-based our parent company, BIMB Holdings Berhad, upon which our strategies Intermediation as established by Bank Negara are solidly anchored. Malaysia for Islamic banking institutions: ENTREPRENEURIAL COMMUNITY MINDSET: EMPOWERMENT: RESPONSIBLE FINANCE TALENT ENRICHMENT Greater involvement Through provision Developing ethical products Growing our employees to in facilitating of financial solutions and services that bring become valuable assets and be entrepreneurial that create positive positive economic, social and the best they can be. activities through impact with a balanced environmental benefits. holistic offerings. consideration between commercial and social BEST CONDUCT: aspects. Adoption of practices that improve offerings, GOOD SELF- INCLUSIVE GROWTH ETHICAL PRACTICE & processes and GOVERNANCE: Ensuring that all layers of REPORTING treatment towards Inculcating community grow along with us Ensuring that our practices are stakeholders. organisational through inclusive financial governed by our core values, discipline and offerings. and that social and environmental ensuring meaningful considerations are consistently participation of all our top priorities. stakeholders in the governance framework. OVERVIEW OUR IDENTITY & MANAGEMENT 6 Chairman’s Message PURPOSE DISCUSSION & 12 2018 Financial Highlights 18 About Us ANALYSIS 19 Our Vision, Mission & Core 34 CEO’s Reflection on 2018 Values 40 Market Landscape 20 Our Purpose 42 Financial Performance 22 Our Business Model 43 Business Review 24 Our VBI Journey • Optimising Values 28 Engaging Our Stakeholders • Disciplined Balance Sheet 01 30 Our 2018 Strategic Priorities Management • Managing Risks and Compliance for Stable Growth • Digital Transformation 54 KPI Review 02 62 Corporate Responsibility 03 CORPORATE GOVERNANCE & FINANCIAL FRAMEWORK RISK STATEMENTS 72 Corporate Infomation MANAGEMENT 138 Financial Statements 74 Shareholding Structure 108 Ethics, Integrity & Trust 273 Pillar 3 Disclosure 75 Shareholder’s Information 110 Statement on Corporate Governance 76 Subsidiaries’ Information • The Board 78 Our Organisation Chart • The Shariah Supervisory 80 Board of Directors Council 82 Profile of Board of Directors 91 Profile of Shariah Supervisory Council 06 96 Profile of CEO 97 Management Committee DIRECTORY 100 Profile of Management 330 Directory & Branch Network Committee 05 103 Profile of Regional Managers 105 Profile of Heads of Subsidiaries 04 07 ADVANCING ON STRATEGY TO REACH OUR All Bank’s staff undertook a Corruption Free GOALS Pledge in January 2018 A Whistle Blowing framework and policy was Re-affirmed at issued in August 2018 AA3/Stable/P1 A Vendor Code of by RAM Ratings with Net Ethics Guideline was established Stable Funding Ratio (“NSFR”) in November 2018 readiness at 105.7% well above the regulatory-required 100% A ATM uptime was Internet Banking reduction 97.12% while financial of 51% transaction volume in customer CDM uptime was grew by complaints received 95.68% 133% Return PAZT on Equity 15.8% Revenue Increased to YoY 4.9% surpassed banking system Grew to YoY 10.9% average of RM593.9million 13 % RM3.3billion Financing Growth 8.5% Asset Growth 10.7% surpassed banking system Gross Impaired average of to 6.1% RM63.9billion Financing through right-sizing of 0.92% balance sheet Net Impaired CASA Ratio Financing -0.8% 32.1% Established Staff Ihtimam Fund to assist employees or dependents of deceased employees Established Taska Bank Islam at Menara Bank Islam Revision of HR policies: • Paid maternity leave extended to 90 days • Paternity leave extended to 7 days • Early release for expectant mothers BANK ISLAM MALAYSIA BERHAD CHAIRMAN’S MESSAGE 6 DATUK ZAMANI ABDUL GHANI Chairman IN THE NAME OF ALLAH, THE MOST GRACIOUS, THE MOST MERCIFUL ASSALAMUALAIKUM WARAHMATULLAHI WABARAKATUH DEAR STAKEHOLDERS, IT HAS BEEN A YEAR OF VALUE-DRIVEN PROGRESS. IN 2018, BANK ISLAM MALAYSIA BERHAD (“BANK ISLAM” OR “THE BANK”) COLLECTIVELY AND CONSCIOUSLY EMBRACED THE PRINCIPLES OF VALUE-BASED INTERMEDIATION (“VBI”) WITHIN ITS ORGANISATIONAL OVERALL STRATEGY. FOCUS HAS BEEN PLACED BEYOND PROFIT TOWARDS THE TRIPLE BOTTOM LINE IMPACT ON PEOPLE, PLANET AND PROSPERITY AS WE SEEK TO BUILD A SUSTAINABLE BUSINESS THAT MAKES A POSITIVE DIFFERENCE IN ECONOMIC, SOCIAL AND ENVIRONMENTAL PERFORMANCE. OVERVIEW Integrated Annual Report 2018 THE LAUNCH OF SADAQA HOUSE CROWD FUNDING PLATFORM AND THE BIMB-ARABESQUE ASIA- PACIFIC SHARIAH-ESG EQUITY FUND DURING THE YEAR MARKED THIS NEW STRATEGY IN ACTION. CONCERTED EFFORT WAS ALSO DIRECTED TOWARDS ESTABLISHING A MEANINGFUL VISION AND MISSION TOWARDS THIS PURPOSE, AND NECESSARY GROUNDWORK HAS BEEN INITIATED TO ENHANCE THE BANK’S CULTURE. WE WERE THUS DELIGHTED TO ACHIEVE THE ISLAMIC BUSINESS & FINANCE SOUTHEAST ASIA AWARD 2018 FOR BEST SUSTAINABILITY DURING THE YEAR UNDER REVIEW. ALHAMDULILLAH, THESE ACHIEVEMENTS WERE SUPPORTED BY STRONG FINANCIAL PERFORMANCE AS PROFIT BEFORE ZAKAT AND TAX (“PBZT”) ROSE 5.6% TO RM810.3 MILLION, AND SURPASSED INDUSTRY PERFORMANCE ON ALL FRONTS. PROFIT BEFORE ZAKAT AND TAX GROWTH MAKING SMOOTH PROGRESS results. Traits such as integrity, 5.6% professionalism, accountability, It was a year of change and challenges 7 reliability, quality-driven, detail- impacted by global trade-related tensions and PROFIT BEFORE oriented and empathy are just some rising interest rates coupled with domestic ZAKAT AND TAX of the essential values being nurtured uncertainties following the outcome of the in accordance with the Bank’s 14th Malaysian general election. For Bank RM million commitment to VBI principles. 810.3 Islam, this was followed by a leadership change as our previous Chief Executive Officer (“CEO”) DELIVERING GOOD PROGRESS Encik Khairul Kamarudin resigned in July 2018. However, the Bank showed resilience, For the year ended
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