Key Concerns Our Response Local Communities LC • Provision of employment opportunities for members of local communities. • Investment in community-based developmental programmes. • A responsible approach to environmental management. • Partnering with UTM and the Malaysian Fisheries Development Board to install solar panels on 21 fishing boats in Mersing, Johor. • Collaborating with International Centre for Education in Islamic Finance (INCEIF) University to promote the ESG-i Assessment Framework to iTEKAD MSMEs. • Working with the Sabah Social Entrepreneurs Association (SOSEA) to provide tailored financing solutions. Frequency: Weekly Key Concerns Our Response Governments and Regulators GR • Alignment and ongoing compliance with BNM’s sustainability and climate-related guidelines. • Support for government-led initiatives to uplift banking sector sustainability standards. • Collaboration on sustainability capacity-building initiatives targeting businesses. • Engaging actively in JC3 and its subcommittees, including serving as Co-Chair of the CCPT IG, to advance climate risk management and integrate sustainable finance practices. • Upholding a strong commitment to regulatory compliance and embedding sustainable practices to support broader climate-related objectives. • Engaging in discussions to facilitate access to government incentives and programmes for SMEs adopting sustainable practices. • Partnering with regulators to ensure SME customers meet ESG-related compliance standards, enhancing their resilience and sustainability. • Working with government agencies to provide SMEs with resources and training on ESG frameworks and reporting. Frequency: Quarterly Key Concerns Our Response Investors IV • Meeting expectations concerning financial performance. • Adaptability to evolving sustainability standards and regulations. • Maintaining our reputation as a responsible and ethical bank rooted in Shariah principles. • Delivering robust and consistent financial returns with a dividend policy sustained at up to 60% of Profit After Zakat and Tax (PAZT). • Balancing our financial performance with sustainability contributions through the progressive fulfilment of our Sustainability Commitments. • Upholding our reputation as a responsible bank that advances prosperity for all, extending beyond Corporate Social Responsibility (CSR) participation. Frequency: Quarterly 123 www.bankislam.com 01 02 03 04 05 SUSTAINABILITY STATEMENT 06 07 08 09
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