BUSINESS ACTIVITIES THAT CREATE… …VALUE FOR OUR STAKEHOLDERS OUTCOMES FINANCIAL CAPITAL RM773.1 million in PBZT (FY2023: RM746.8 million) RM571.1 million in PAZT (FY2023: RM553.1 million) 7.6% Net ROE (FY2023: 7.8%) 25.20 sen EPS (FY2023: 24.57 sen) RM345 million paid out in Dividend (FY2023: RM361.6 million) 60% Dividend Payout Ratio (FY2023: 60%) FC HUMAN CAPITAL Employee Retention Rate of 96.5% (FY2023: 96.6%) Employee Engagement Index of 91% (FY2023: 78%) 401,024, in total training hours, including mandatory eLearning (FY2023: 291,931 hours) 4,433 employees trained, with an average training hour of 71 (FY2023: 4,894 employees; 60 hours) 576 employees promoted (FY2023: 495 employees) 2,319 females in decision-making roles (FY2023: 1,960 females) 20 health and safety incidents (FY2023: 18 incidents) RM881.7 million in staff salaries and benefits (FY2023: RM817.8 million) 924 employee upskilling programmes (FY2023: 38 programmes) HU MANUFACTURED CAPITAL 335 million active enquiries and transactions via online platforms, valued at RM71.7 million (FY2023: 218.3 million active enquiries and transactions; RM62.7 million) Over 3.5 million active Internet and mobile banking customers (FY2023: Over 3.4 million customers) 10.5 million downloads of GO by Bank Islam app (FY2023: 2.1 million downloads) • Over 1.3 million registered users for BIMB Mobile MF INTELLECTUAL CAPITAL 29 awards won (FY2023: 23 awards) 19 campaigns for various products and 7 new products launched (FY2023: 17 campaigns; 11 products) 3 green products launched (FY2023: 3 products) • Admission to FTSE4GBursa Malaysia Index IN SOCIAL AND RELATIONSHIP CAPITAL RM19.5 million investment made in community enrichment RM12.3 million in social finance disbursed through blended financing programmes (FY2023: RM8.3 million) RM1.4 million in social finance disbursed for funding escalator programmes (FY2023: RM1.3 million) RM7.6 million in total disbursements to charitable initiatives by Sadaqa House (FY2023: RM7.6 million) RM11.4 million paid in Zakat (FY2023: RM13.8 million) RM309 million contributed to local suppliers (FY2023: RM206 million) RM2.8 billion in total financing for SME customers (FY2023: RM2.7 billion) SR NATURAL CAPITAL RM25.7 billion in sustainable finance and treasury assets, covering an expanded scope (previously measured by approved green financing: FY2023 – RM4.5 billion). 15,786 tonnes of CO₂ emitted (FY2023: 12,279.5 tonnes of CO₂) 12 green branches nationwide (FY2023: 4 green branches and 1 green contact centre) NT Eroded Preserved Enhanced Sustainable Prosperity Values-based Culture Customercentricity Community Empowerment Real Economy Digitalisation VBI DRIVERS BUSINESS ACTIVITIES Output Retail Assets Retail Banking Distribution Wealth Management Treasury and Markets Islamic Stockbroking Investment Banking and Advisory Deposit and Cards Financing Solutions (Corporate and Commercial) SME Banking Liquidity Management Islamic Fund Management • Providing value-driven, innovative and sustainable banking solutions • Enhancing access to financial services and improving the quality of life • Serving SMEs and large corporations to contribute to economic growth • Supporting national progress and ensuring stability of Malaysia’s financial sector • Improve financial literacy, promote inclusiveness, and contribute towards a sustainable future 33 w w w . b a n k i s l a m. c o m 01 02 03 VALUE CREATION AT BANK ISLAM 04 05 06 07 08 09
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