BIMB Integrated Annual Report 2019

Group Overview Management Discussion & Analysis Group Governance Financial Statements Shareholders’ Information Sustaining The Group Additional Information Disclosure Summary INSIDE THIS REPORT 102 Economic and Sector Review 108 Reaping Results of Our Growth Strategy 114 Subsidiaries’ Operational Review 119 Futureproofing Our Business for Progressive and Sustainable Prosperity 162 Directors’ Report 170 Statement by Directors 171 Statutory Declaration 172 Statements of Financial Position 174 Statements of Profit or Loss 175 Statements of Comprehensive Income 176 Statements of Changes in Equity 179 Statements of Cash Flows 182 Notes to the Financial Statements 323 Independent Auditors’ Report 333 Share & Warrant Holdings Statistics 339 Properties Owned by BHB Group 346 Regional Group Network 347 FTSE4Good Bursa Malaysia (“F4GBM”) 352 Global Reporting Inititative (“GRI”) G4 60 Sustainability Statement 61 Sustainability Framework 64 Material Matters 66 Stakeholders’ Engagement 68 Our Business Model 70 Delivering Values 74 Our Pillars 02 About Our Report 122 Shariah-Compliant Confirmation Statement 124 Chairman’s Statement on Corporate Governance 126 Corporate Governance Overview Statement • Leadership and Effectiveness • Effective Audit and Risk Management • Corporate Reporting and Relationship with Stakeholders 151 Additional Compliance Information 154 Statement of Risk Management and Internal Control 160 Statement on Directors’ Responsibility 06 Financial Highlights 08 Financial Calendar 09 Performance Highlights 12 Achievements 14 Our Purpose 16 Our Footprint 18 How We Are Structured 20 Our Business Entities 22 Group Corporate Information 26 Board of Directors 28 Profile of Directors 34 Chairmen of Shariah Committees 38 CEOs of The Group 42 Group Management Team 48 Letter To Shareholders