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INSIDE THIS




                                              REPORT








                                              4   About this Report               COMMITMENT TO LEAD
                                              5   Corporate Information
                                                                                  50   Board of Directors
                                                                                  52   Directors’ Profile
                                              A VISION TO SERVE                   58   Shariah Committee
                                                                                  59   Shariah Committee’s Profile
                                              6   Overview of Our Business
                                                  Operations                      65   Key Senior Management
                                              9   5-Year Financial Highlights
                                              10   Credit Insurance/Takaful and   UPHOLDING
                                                  Banking by Country              ACCOUNTABILITY
                                              12   Organisational Structure
                                              14   Media Highlights               66   Statement of Corporate
                                                                                      Governance
                                                                                  77   Disclosure on Shariah Governance
                                              EMPOWERING GROWTH                   81   Statement of Risk Management
                                              16   Chairman’s Statement           95   Statement on Internal Control
                                              18   President/Chief Executive Officer’s
                                                  Review
                                                                                  FINANCIAL STATEMENTS
                                                                                  98   Directors’ Report
                                              MANAGEMENT DISCUSSION               102  Shariah Committee’s Report
                                              & ANALYSIS                          106  Statement by Directors
                                              21   Our Business Review            106  Statutory Declaration
                                              24   Strategic Direction            107  Independent Auditors’ Report
                                              26   Performance Measurement        111  Consolidated Statement of
                                                  Framework                           Financial Position
                                                                                  112  Statement of Financial Position
                                              ENSURING SUSTAINABILITY             113  Statements of Profit and Loss
                                                                                  114  Statements of Comprehensive
                                              27   Sustainability Journey             Income
                                              41   Social and Environmental       115  Statements of Changes in Equity
                                                  Engagement                      116  Statements of Cash Flows
                                              44   Corporate Events               118  Notes to the Financial Statements
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