The current US administration has brought a new approach to global trade and geopolitics that will likely impact the global economy, including Malaysia. Meanwhile, at the domestic level, planned subsidy cuts in 2025 may introduce upward inflationary pressures, further depressing the spending power of Malaysian individuals and businesses. We will be well-positioned to weather any negative impacts by remaining attuned to the evolving market environment and focusing on providing customer-centric, accessible, and inclusive products and solutions. Above all, our approach will remain firmly rooted in a commitment to responsible and ethical banking, geared towards outcomes that serve ourselves and our stakeholders, communities, and natural environments. We will continue safeguarding our sustainability and strength as an organisation, ensuring we meet whatever the future holds. ACKNOWLEDGEMENTS On behalf of the Board, I would like to extend my deepest gratitude to Mohd Asri Awang, our outgoing Independent Non-Executive Director, and Associate Professor Dr Nurul Aini Muhamed, our outgoing Shariah Supervisory Council (SSC) Member, who concluded their tenures in 2024. Their contributions to governance, Shariah compliance, and ethical banking principles have been critical to our growth and evolution. I wish them continued success in their future endeavour. At the same time, I am pleased to welcome Datuk Hamzah Bachee as Independent Non-Executive Director and Professor Dr Wan Abdul Fattah Wan Ismail as our SSC Member. Their expertise will enhance our ability to navigate a dynamic financial landscape and I look forward to working closely with them over the coming years and benefiting from their wisdom in the years to come. I would also like to express my deepest gratitude to everyone who has contributed to our success in 2024. To our Board of Directors and SSC Members, your invaluable guidance, contributions, dedication, and tireless efforts in shaping our governance and Shariah-compliant practices have been essential to our growth. To our customers, shareholders, and business partners, your trust and engagement inspire us to deliver financial solutions that align with ethical values and evolving customer needs. This dedication directly shapes the innovation of new platforms, such as the BIMB Mobile and BIMB Web banking platform, which have strengthened our position in the banking landscape. We also recognise the vital role of regulatory bodies, like BNM, Bursa Malaysia and the Securities Commission, in fostering a stable and dynamic financial ecosystem. To our strategic partners, your capabilities, experience, and know-how have accelerated our continued value creation journey, and we are thankful for your continued support. Finally, to Bank Islam’s customers and communities, you remain at the centre of everything we do. Your aspirations drive our purpose. Our mission to expand financial accessibility, create lasting value, and lead with integrity to fulfil your greatest financial and personal potential remains our top priority. As we move into 2025, we remain committed to responsible and ethical banking, ensuring that every step we take benefits our stakeholders, communities, and the broader economy. Thank you for being an integral part of our journey. TAN SRI DR ISMAIL HAJI BAKAR Chairman To Bank Islam’s customers and communities, you remain at the centre of everything we do. Your aspirations drive our purpose. Our mission to expand financial accessibility, create lasting value, and lead with integrity to fulfil your greatest financial and personal potential remains our top priority. 19 w w w . b a n k i s l a m. c o m 01 02 KEY MESSAGES 03 04 05 06 07 08 09
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