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TABLE OF
CONTENTS
02 About this Report
03 Corporate Information
EMPOWERINg gROWTH
01 A VISION TO SERVE 03 06 FINANCIAL STATEMENTS
04 5-Year Financial Highlights 32 Chairman’s Statement 88 Financial Statements
05 Overview of Our Business 36 President/Chief Executive Officer’s 89 Directors’ Report
Operations Review 93 Shariah Committee’s Report
• Banking Portfolio 2022 40 Management Discussion and 96 Statement by Directors
• Credit Takaful/Insurance Portfolio Analysis 96 Statutory Declaration
2022 97 Independent Auditors’ Report
08 Banking and Credit Insurance 103 Consolidated Statement of
by Country Financial Position
10 Our Corporate Structure
104 Statement of Financial Position
105 Statement of Profit or Loss
02 COMMITMENT TO LEAD 04
ENSuRINg SuSTAINABILITY
106 Statement of Comprehensive
12 Board of Directors 46 Our Corporate Social Income
14 Directors’ Profile Responsibility Journey 107 Statement of Changes in Equity
21 Shariah Committee 53 Corporate Events 108 Statement of Cash Flows
22 Shariah Committee Profile 60 Media Highlights 111 Notes to the Financial Statements
27 Executive Committee
28 Executive Committee Profile
05
ENHANCINg gOVERNANCE
62 Statement of Corporate
Governance
70 Disclosure on Shariah Governance
75 Statement of Risk Management
87 Statement of Internal Control
President/Chief Executive Management Discussion
Chairman’s Statement Officer’s Review and Analysis
pg: 32 pg: 36 pg: 40