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ANNUAL REPORT 2021 51
SUSTAINABILITY STATEMENT OUR GOVERNANCE OUR NUMBERS OTHER INFORMATION
VISION MISSION
To become the preferred Islam- To ethically deliver best value to
ic financial provider stakeholders, society and environment
OUTCOMES FOR OUR STAKEHOLDERS
OUTPUT
Transaction & Treasury & Customers Business Partners
Digital Banking Capital Markets • RM338 millions in profits paid to depositors • Introduced digital
and investment account holders procurement system for
• Disbursed up to RM3.9 billion of easier tracking and better
disbursement to household sector with transparency
Through Our Business Activities, We: RM2.2 billion in new personal financing and • Awarded tenders to vendors
more than RM150 million that align their businesses
Deliver products and financial solutions for purchase of vehicle financing with VBI values
that cut across critical areas as well as • Launched iTEKAD Mawaddah
penetrating new untapped markets by • Financial assistance packages included
harnessing digital technologies Local Community
Enhanced Targeted Relief Payment,
Expand products and diversifying customer Enhanced Financing Payment • Disbursed RM18.6 million
base in order to be the preferred provider of Assistance, Financial Management & under wakaf projects for
investment solutions Resilience Programme (URUS) and Financial healthcare, education and
Resilience Support Scheme (FIRST) the investment sector
Maintain, optimise and invest in our • Launched Online Deposit Account (ODA) • Expansion of our Jariah
operations including technology, marketing application through MAP Fund which launched 16
and infrastructure • Enhancement of Muamalat Application programmes
Platform (MAP) and continuous • Flood relief assistance
Deliver exceptional customer services to improvement in mobile apps, • RM93,000 funds disbursed
optimise customer experience at all times Retail Internet Banking (RIB) and Corporate as training fee for
Internet Banking (CIB) entrepreneurs for the
Empower local communities we serve in
iTEKAD Mawaddah
building more resilient and thriving programme
communities Shareholders
• Steadfast performance aligned to
Strengthen our base by complying with all
strategy, which recorded: Employees
regulatory requirements and ensure high
commitment for risk and compliance - 9.5% Return on Equity • Distributed RM240 million in
- 0.96% Return on Assets remuneration for employees
Identify ideal approaches to sustainability, - 17.31% total capital ratio • Launched a new HR system
innovation and leadership in order to be - 0.83% of gross financing impaired ratio for easier access to manage
recognised as a socially responsible bank training progression, payroll
information, benefits, and
Regulatory Agencies & Statutory Bodies leave entitlements
• Compliance with regulatory requirements • Provided free vaccines/
• Relentless commitment in driving VBI booster for those who have
• Assist in producing the sectoral guide for not completed their doses
the Construction and Infrastructure Sector yet
• Continuous support of BNM’s initiatives • Provided career
including financial assistance and micro development plan
Integrity Innovative Service financing framework and
Oriented • Contribute to domestic banking and apprenticeship programmes
economic growth
Our shared values of Care, Respect, Integrity, Innovative Our employees are essential assets, and we seek to create a work environment that is
and Service-Oriented have become our trademark in inspiring, healthy and welcoming to allow our employees to develop professionally and
serving our stakeholders empower them to work effectively in line with our mission
