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CONTENTS
TABLE OF
4 About this Report Section 04
TRAVERSING CHALLENGES
5 Corporate Information
Section 01 42 Our Corporate Social Responsibility Journey
BRIDGING OPPORTUNITIES 48 Corporate Events
6 5-Year Financial Highlights Section 05
7 Overview of Our Business Operations UPHOLDING ACCOUNTABILITY
• Banking Portfolio 2020
• Credit Insurance Portfolio 2020 51 Specific Disclosure on Developmental Performance
10 Banking and Credit Insurance by Country 53 Corporate Governance Disclosure Report
12 Our Corporate Structure 64 Shariah Governance Disclosure Report
67 Statement of Risk Management
Section 02 76 Statement of Internal Control
STEERING CHANGE
Section 06
14 Board of Directors FINANCIAL STATEMENTS
16 Directors’ Profile
20 Shariah Committee 78 Financial Statements
21 Shariah Committee Profile 79 Directors’ Report
24 Executive Committee 83 Shariah Committee’s Report
26 Executive Committee Profile 85 Statement by Directors
85 Statutory Declaration
Section 03 86 Independent Auditors’ Report
CONNECTING PROSPECTS 92 Consolidated Statement of Financial Position
93 Statement of Financial Position
30 Message from the President/Chief Executive Officer
94 Statement of Profit and Loss
34 Management Discussion and Analysis
95 Statements of Comprehensive Income
96 Statements of Changes in Equity
97 Statements of Cash Flows
100 Notes to the Financial Statements