BIMB Integrated Annual Report 2019

APPRECIATION As a Group, we have performed well and charted many significant milestones over the decades, despite headwinds. We are proud of all that we have accomplished in service to our People, our Community and our Country. The Board joins me in expressing our sincere appreciation to our shareholders for your continued trust and support in us. We would also like to extend our gratitude to the Shariah Supervisory Council, the Management team and employees of BHB, as well as the subsidiaries for their dedication and commitment. Our successes were made possible by all of you who always strive to give your best. It is indeed my privilege to work with all of you. My sincere thanks go to the eminent individuals who make up the Board for their invaluable guidance and far-sighted vision. The Board and I would like to record our deep appreciation to Tan Sri Ismail Adam who retired from the Board on 3 January 2020, for his commitment and contribution during his tenure. We also welcome Encik Zahari @ Mohd Zin Idris , who was appointed to the Board on 3 February 2020 and look forward to working closely together and benefiting from his vast experience. I would also like to extend our grateful thanks to Datuk Zamani Abdul Ghani , who retired from his post as Chairman of Bank Islam on 1 March 2020, after nine years of dedicated service to the Board and his valuable contribution to the betterment and growth of Bank Islam. My heartfelt appreciation goes to the regulatory authorities, the Ministry of Finance, Bank Negara Malaysia, Bursa Malaysia, the Securities Commission and other relevant regulatory authorities in the business segments we operate, for their guidance throughout the years. We have faith that the tide will turn and the markets together with the economy will rebound once more. I look forward to the better future, which will undoubtedly be charted by the new entities towards greater sustainability and long-term value. Thank you. TAN SRI HAJI AMBRIN BUANG Chairman As a Group, we move into 2020 from a position of strength. BHB has pursued and implemented a sound strategy that has enabled the Group to realise long-term value creation over the past decades for the country, the economy and its people. Our balance sheet is healthy, with capital, liquidity and asset quality remaining strong. “ ” LETTER TO SHAREHOLDERS Integrated Annual Report 2019 Group Overview Sustaining The Group Management Discussion & Analysis Group Governance 56