MATERIAL MATTERS SRF Sustainable and Responsible Finance CESF Community Empowerment and Social Finance CX Customer Experience SSC Sustainable Supply Chain EEI Emissions and Environmental Impact GGC Good Governance and Conduct EHS Employee Well-Being, Health and Safety DPS Data Privacy and Security TD Talent and Development CRO Climate Risks and Opportunities DEI Diversity, Equity and Inclusion UNSDGs We have aligned our strategy with the following United Nations Sustainable Development Goals (UNSDGs), ensuring a meaningful contribution to global sustainability efforts while delivering lasting value to all stakeholders. MATERIALITY We have adopted the materiality principle in our reporting to ensure that critical topics influencing the Group’s strategy for value creation – across the short, medium, and long-term – are transparently disclosed and effectively addressed. Identifying our material matters considers factors such as our value creation process, external influences, stakeholder interests, and key risks facing the Group. Following our initial assessment of material issues in 2022 and refinements in 2023, a materiality validation process was conducted during the year, which confirmed that our list of material matters remains unchanged and in line with the evolving landscape. Read the section from pages 50 to 56 for more details. COMBINED ASSURANCE This Report was produced following strict internal controls and governance protocols. Non-financial data was thoroughly reviewed and validated by the Group Internal Audit team, while PwC Malaysia provided external assurance on the financial statements and related financial information included in the Report. FORWARD-LOOKING STATEMENTS This Report contains forward-looking statements about our future performance and prospects. These projections are based on current assessments but may change due to evolving circumstances. Various factors, including emerging risks, could cause actual results to differ materially from those expressed or implied in these forward-looking statements. Therefore, these statements should not be regarded as guarantees of future performance. BOARD APPROVAL Our Board of Directors (Board) acknowledges its responsibility for the integrity of this Report. They are confident that it addresses the material issues impacting the Group’s ability to create value and provides an accurate representation of our performance for 2024. The Board approved our IAR2024 on 26 March 2025, signed on its behalf by: Tan Sri Dr Ismail Haji Bakar Chairman STATEMENT OF ASSURANCE Assurance Undertaken In strengthening the credibility of the Sustainability Statement, selected aspects of the Statement have been subjected to an internal review by the Bank’s internal auditors and have been approved by the Bank’s Board Audit & Examination Committee. Subject Matter The subject matters covered by the internal review include the following indicators: a) Percentage of operations assessed for corruption-related risks. b) Confirmed incidents of corruption and action taken. c) Total amount invested in the community where the target beneficiaries are external to the listed issuer. d) Total number of beneficiaries of the investment in communities. e) Number of substantiated complaints concerning human rights violations. f) Proportion of spending on local suppliers. g) Number of substantiated complaints concerning breaches of customer privacy and losses of customer data. Scope The boundary of the internal review on the selected sustainability information includes all companies within the Group. FEEDBACK We are committed to continuously improving the quality of our reporting and welcome feedback that can help us make our IARs more relevant to our stakeholders. Should you have any feedback on this report, please reach out to iar@bankislam.com.my CROSS-REFERENCES indicates where additional details can be found elsewhere in this Report An online version of this Report, as well as previous IARs, is available on our corporate website: https://www.bankislam. com/investors/ 1 w w w . b a n k i s l a m. c o m 01 02 03 04 05 06 07 08 09
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