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Bank Islam Malaysia Berhad(98127-X)

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StrengthKekuatan

Menghadapi Rintangan

in Adversity

Laporan Tahunan 2009 Annual Report

Annual Report Laporan Tahunan

Bank Islam Malaysia Berhad11th Floor, Wisma Bank Islam Jalan Dungun Bukit Damansara 50490 Kuala Lumpur Tel : (6)03-2088 8000 Fax : (6)03-2088 8028

(98127-X)

2009

The coverIt takes more strength to provide scalable paths than to dictate them. It takes more courage to face adversity than to simply speak about it. Bank Islams principles of harnessing true paths of responsibility and care towards our customers, in expressing knowledge and a deep understanding of how to persevere through challenges with resolute responsiveness is an eloquent testimony to the theme of Strength in Adversity. Like the dexterity and focus of a rock climber in overcoming harsh terrain, much like the global financial landscape this past year, we have scaled its unkind path and reassuringly led others, guided by Islamic values that have shown a distinct advantage in unheralded times. This kind of enriching experience has emboldened us on a journey that is far from over and Bank Islam seeks to reward beyond the next step. Our greatest asset lay within us, our strength in deciding what to do in the face of obstacles, a purity we have persevered by noble actions to illuminate the path. The image of the world map in the background serves as a reminder of Bank Islams eventual intent of spreading its wings to the four corners of the globe, mirroring its vision to become the global leader in Islamic banking. Significantly, the sunrise reflects Bank Islams decisive principles which have proven that triumph and perseverance are guided by an inner strength that arises during times of adversity.

Kulit LuarMenuruti jalan yang mudah tidak memerlukan penat jerih berbanding usaha menyediakan jalan itu. Rintangan pula tidak mungkin dapat ditempuh tanpa keberanian yang tinggi. Jauh sekali dengan hanya berkata-kata. Prinsip Bank Islam berpaksikan tanggungjawab dan keprihatinan yang tulus. Ini dimanifestasikan dengan penyampaian pengetahuan dan kefahaman yang mendalam mengenai cara mengharungi cabaran dengan respons dan keazaman yang tinggi, seterusnya menjadi testimoni bagi tema Kekuatan Menghadapi Rintangan. Kami berjaya merintis laluan yang penuh onak dan duri dan memimpin orang lain dengan penuh yakin, berpandukan nilainilai Islam yang telah terbukti banyak kelebihannya. Kesukaran ini ibarat seorang pendaki yang tangkas yang harus memberi tumpuan sepenuhnya pada cerun pendakian yang penuh cabaran. Begitulah juga apa yang berlaku dalam landskap kewangan global pada tahun lalu. Pengalaman yang berharga seperti ini memberi kami semangat untuk meneruskan perjalanan yang masih jauh. Dalam hal ini, Bank Islam senantiasa berusaha untuk terus memberi manfaat pada masa-masa yang akan datang. Aset paling berharga berada dalam diri kita sendiri, iaitu keberanian kita membuat keputusan melangkah dengan yakin bagi mengharungi rintangan dengan penuh keikhlasan agar kita dapat menerangi jalan yang harus ditempuhi. Latar belakang imej peta dunia menggambarkan hasrat Bank Islam untuk melebarkan sayapnya ke seluruh dunia yang mencerminkan visinya menjadi pemimpin perbankan Islam di peringkat global. Mentari terbit pula mencerminkan prinsip kukuh yang dipegang oleh Bank Islam yang menjadi bukti akan kekuatan dalaman Bank yang berjaya menempuh sebarang rintangan.

Year at

A Glance 2008/2009Imbasan Setahun 2008/2009SepT/SEPT 2008First bank in Malaysia to introduce an Islamic currency option under Commodity Undertaking-i, an Islamic derivatives product that can be used for both asset liability management and investment purposes. Bank pertama di Malaysia yang memperkenalkan opsyen mata wang Islam di bawah Aku Janji Komoditi-i, satu produk derivatif Islam yang boleh digunakan untuk tujuan pengurusan aset dan liabiliti serta pelaburan.

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SepT/SEPT 2008Launched our first Islamic structured and capital protected funds, An Najah-i, the first Shariah-based structured product under the theme of health care and pharmaceuticals. Melancarkan dana berstruktur Islam dengan perlindungan modal pertama, An-Najah-i, produk berstruktur berlandaskan syariah pertama di bawah tema penjagaan kesihatan dan farmaseutikal.

ocT/OKT 2008Joint Manager for RM1.5 billion Government-guaranteed Islamic Medium Term Notes Programme for Malaysian Debt Ventures Bhd, a Governmentowned venture capital financier and facilitator specifically for the information and communications technology (ICT) and high-growth sectors in Malaysia. Pengurus Bersama bagi Program Nota Islam Berjangka Sederhana Jaminan Kerajaan yang bernilai RM1.5 bilion untuk Malaysian Debt Ventures Bhd, Syarikat pembiaya dan fasilitator modal usaha niaga milik Kerajaan khusus untuk teknologi maklumat dan komunikasi (ICT) dan sektor pertumbuhan tinggi di Malaysia.

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Dec/DIS 2008

Expanded its retail foreign currency services with the opening of its first Bureau de Change (BDC) outlet at the Low Cost Carrier Terminal (LCCT), Kuala Lumpur International Airport. Mengembangkan perkhidmatan mata wang asing runcit dengan pembukaan cawangan Biro Tukaran Wang Asing (BDC) pertamanya di Low Cost Carrier Terminal (LCCT), Lapangan Terbang Antarabangsa Kuala Lumpur.

Year at A Glance 2008/2009 Imbasan Setahun 2008/2009

JAN/JAN-ocT/OKT 2009The nationwide branch expansion campaign arrived in Ampang, Kelana Jaya, Sandakan, Kota Damansara, Putra Heights USJ, Putra Square Kuantan and Karamunsing. Kempen pengembangan cawangan di seluruh negara tiba di Ampang, Kelana Jaya, Sandakan, Kota Damansara, Putra Heights USJ, Putra Square Kuantan dan Karamunsing.

Kerjasama strategik di antara anak syarikat Bank Islam, iaitu Bank Islam Trust Company (Labuan) Ltd dengan Kumpulan Bank Muamalat Indonesia untuk bekerjasama dalam mempromosi produk amanah Islam di Indonesia, yang mempunyai penduduk yang beragama Islam paling ramai di dunia.

Apr/APR 2009Bank Islams participation in the launch of the worlds first standardised documents for interbank transaction agreements, organised by Association of Islamic Banking Institutions Malaysia (AIBIM) and officiated by Bank Negara Malaysia Governor, Tan Sri Dato Sri Dr. Zeti Akhtar Aziz. Penglibatan Bank Islam dalam pelancaran dokumen terpiawai pertama di dunia untuk perjanjian urus niaga antara bank, yang dianjurkan oleh Persatuan Institusi -Institusi Perbankan Islam Malaysia (AIBIM) dan dirasmikan oleh Gabenor Bank Negara Malaysia, Tan Sri Dato Sri Dr. Zeti Akhtar Aziz.

FeB/FEB 2009Mandated as Principal Adviser/Lead Arranger, Facility Agent and Shariah Advisor for RM115.0 million Sukuk for Assar Chemicals Dua Sdn Bhd, an oil & gas arm of the Sarawak State Government. Diberi mandat sebagai Penasihat Utama/ Pengatur Utama, Ejen Fasiliti dan Penasihat Syariah untuk Sukuk bernilai RM115.0 juta untuk Assar Chemicals Dua Sdn Bhd, sebuah syarikat minyak & gas milik Kerajaan Negeri Sarawak.

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FeB/FEB 2009

Awarded The Edge-Lipper Malaysia Fund Awards 2009s Best Mixed Asset MYR Balanced Islamic Fund accolade for ASBI Dana Al-Munsif, managed by Bank Islams subsidiary, BIMB Investment Management Berhad for the period ending December 2008. Dianugerahkan The Edge-Lipper Malaysia Fund Awards 2009 untuk ASBI Dana Al-Munsif Best Mixed Asset MYR Balanced Islamic Fund bagi tempoh berakhir Disember 2008, yang diuruskan oleh BIMB Investment Management Berhad, anak syarikat Bank Islam.

Apr/APR 2009Offered the EHSAN programme, a 12-month installment deferment scheme for home financing customers who have been retrenched from 1 July 2008. Menawarkan program EHSAN, iaitu satu skim penangguhan ansuran 12-bulan bagi pelanggan yang mempunyai pembiayaan rumah tetapi telah diberhentikan kerja sejak 1 Julai 2008.

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MAr/MAC 2009

Launched Al-Awfar, a first-of-its-kind combination of features of savings-i and investment-i accounts which offers cash prizes of up to RM100,000 every three months. Melancarkan Al-Awfar, iaitu kombinasi akaun simpanan-i dan pelaburan-i yang pertama seumpamanya yang menawarkan hadiah wang tunai sehingga RM100,000 setiap tiga bulan.

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FeB/FEB 2009

Strategic collaboration between Bank Islams subsidiary, Bank Islam Trust Company (Labuan) Ltd and Bank Muamalat Indonesia Group to cooperate in the promotion of Islamic trust products in the worlds most populous Muslim nation.

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MAY/MEI 2009

Awarded Readers Digests The Platinum Trusted Brand Award 2009 for Islamic Financial Services. Dianugerahkan Award Platinum Jenama yang Paling Dipercayai 2009 bagi Perkhidmatan Kewangan Islam oleh Readers Digest.

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JUN/JUN 2009Manager for the Terengganu Investment Authoritys RM5 billion Islamic Medium Term Notes Programme guaranteed by the Government of Malaysia; a landmark 30-year issue, being the longest tenured bond issued in Malaysia for both Sukuk and conventional bond markets. Pengurus bagi Program Nota Islam Bertempoh Sederhana untuk Badan Pelaburan Terengganu bernilai RM5 bilion yang dijamin oleh Kerajaan Malaysia; terbitan mercu tanda 30-tahun, iaitu merupakan bon yang diterbitkan di Malaysia dengan tempoh matang paling lama untuk pasaran Sukuk dan bon konvensional.

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JUL/JUL 2009

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SepT/SEPT 2009

Launched Sinar Letrik Home Campaign where the Bank will help home owners pay their electricity bills for five consecutive years under a collaboration deal entered into with Tenaga Nasional Berhad. Melancarkan Kempen Rumah Sinar Letrik di mana Bank akan membantu pemilik rumah membayar bil elektrik mereka untuk tempoh lima tahun berturut-turut di bawah kerjasama yang dibuat dengan Tenaga Nasional Berhad.

After three consecutive years of earning high profits, Bank Islam marked the conclusion of its Turnaround Plan on an upbeat note, posting a Profit Before Zakat and Tax (PBZT) of RM233.1 million for the financial year ended 30 June 2009. Selepas tiga tahun berturut-turut memperoleh keuntungan yang tinggi, Bank Islam menyempurnakan Pelan Pemulihan dengan mencatat Keuntungan Sebelum Zakat dan Cukai (PBZT) sebanyak RM233.1 juta bagi tahun kewangan berakhir 30 Jun 2009.

AUG/OGOS 2009Signed an agreement on Risk Management System with SAS Malaysia to enhance its bank-wide risk management system. Under the deal, SAS will provide business analytics that will contribute to the enhancement of Bank Islams competitive advantage through more effective and efficient management of credit, market and operational risk exposures with complete adherence to global Shariah standards and international best practices. Menandatangani perjanjian mengenai Sistem Pengurusan Risiko dengan SAS Malaysia untuk menambah baik sistem pengurusan risiko secara menyeluruh di Bank Islam. Di bawah perjanjian ini, SAS akan menyediakan analisis perniagaan yang akan menyumbang kepada peningkatan kelebihan daya saing melalui pengurusan risiko kredit, pasaran dan operasi yang lebih cekap dan berkesan serta mematuhi sepenuhnya kehendak piawaian Syariah global dan amalan terbaik antarabangsa.7

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SepT/SEPT 2009

JUN/JUN 2009Bank Islam Malaysia Berhad has engaged Profitera to provide solutions for the Financial Collections System. The system is aimed at improving the Banks collection/recovery performance as well as stepping up productivity. The system is targeted for a full roll out by the first quarter 2010. Bank Islam Malaysia Berhad telah melantik Profitera bagi menyediakan penyelesaian untuk Sistem Pungutan Kewangan. Sistem ini bertujuan untuk memperbaik prestasi pungutan/kutipan Bank serta meningkatkan produktiviti. Sistem ini dijangka dijalankan sepenuhnya pada suku pertama 2010.

First bank to join effort with Lembaga Tabung Haji (LTH) in launching the Uniteller Service which enables performance of LTH transactions and Hajj registration at any Bank Islam branches nationwide. Bank pertama yang menjalan usaha sama dengan Lembaga Tabung Haji (LTH) dalam pelancaran Khidmat Uniteller yang membolehkan urus niaga LTH dan pendaftaran Haji dilakukan di semua cawangan Bank Islam di seluruh negara.

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BANK ISLAM

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INTroDUcTIoN / INTroDUcTIoN INTroDUcTIoN/peNGeNALANVision Visi Mission Statement Penyata Misi Core Brand Values Nilai Jenama Teras About Us Mengenai Kami Milestones 1983-2009 Pencapaian Kami 1983-2009 5

reSULTS/KepUTUSANFive-Year Financial Highlights Sorotan Kewangan Lima Tahun Five-Year Statistical Review Ulasan Statistik Lima Tahun Financing By Contract Pembiayaan Mengikut Kontrak Financing By Business Segment Pembiayaan Mengikut Segmen Perniagaan 13

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Contents Isi KandungancorporATe HIGHLIGHTS/ SoroTAN KorporATShareholding Structure 17 Struktur Pemegang-pemegang Saham Corporate Information Maklumat Korporat Board Of Directors Lembaga Pengarah Profile Of Board Of Directors Profil Lembaga Pengarah Profile Of Shariah Supervisory Council Profil Majlis Pengawasan Syariah Organisation Chart Carta Organisasi Management Members Ahli-ahli Pengurusan Profile Of Management Team Profil Pengurusan Profile Of Chief Executive Officers Of Subsidiaries Profil Para Ketua Pegawai Eksekutif Subsidiari Awards and Accolades Anugerah dan Pengiktirafan Media Highlights Sorotan Media 18 20 22

AccoUNTABILITY/ KeBerTANGGUNGJAWABANChairmans Statement Pernyataan Pengerusi 53

Statement Of Corporate Governance 64 Penyata Tadbir Urus Korporat Shariah Supervisory Council Majlis Pengawasan Syariah Risk Management Structure Struktur Pengurusan Risiko Internal Audit Function Fungsi Kawalan Dalaman Ethics, Integrity & Trust Etika, Integriti & Amanah 79

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Vision / VisiTo be the

Global Leader Global

in Islamic Banking Menjadi Pemimpin dalam Perbankan IslamGlobal Leader is defined as being the ultimate guidance and source of reference for innovative Shariah-based products and services Pemimpin Global ditakrifkan sebagai panduan dan sumber rujukan utama bagi produk dan perkhidmatan yang inovatif berlandaskan prinsip Syariah

INSIGHTS/peMAHAMANManaging Directors Review Of OperationsUlasan Operasi Pengarah Urusan

INITIATIve/INISIATIFCalendar Of Significant Events 119 Kalendar Peristiwa-peristiwa Penting Corporate Responsibility Tanggungjawab Korporat Responsible Customer Care Tanggungjawab Terhadap Pelanggan Human Capital Excellence Kecemerlangan Modal Insan Information Technology Growth Pertumbuhan Berpaksikan Teknologi Maklumat 132

oTHerS/LAIN-LAINShareholder Information Maklumat Pemegang Saham Directory and Branch Network Panduan dan Rangkaian Cawangan Glossary Of Terms Istilah Terma 149

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Mission Statement / Penyata MisiTo continually develop and innovate universally accepted financial solutions in line with Shariah principles Beriltizam untuk terus membangun dan memperbaharui penyelesaian kewangan yang diterima sejagat sejajar dengan prinsip Syariah To provide a reasonable and sustainable return to shareholders Menawarkan pulangan yang munasabah dan mampan kepada para pemegang saham To provide a conducive working environment and to become an employer of choice for top talents in the market Menyediakan persekitaran kerja yang kondusif dan menjadi Majikan Pilihan bagi mereka yang berbakat besar To deliver comprehensive financial solutions of global standards using state-of-the-art technology Menghasilkan penyelesaian kewangan yang lengkap bertaraf global melalui penggunaan teknologi canggih terkini To be a responsible and prudent corporate citizen Menjadi warga korporat yang bertanggungjawab dan berhemat

In the performance of this corporate mission, Bank Islam shall be guided by its corporate brand values of being: A Leader, Dynamic, professional, caring and Trustworthy. Dalam melaksanakan misi korporat ini, Bank Islam perlu tetap berpegang pada nilai jenama korporatnya sebagai landasan, iaitu: pemimpin, Dinamik, profesional, prihatin dan Amanah.

Core Brand Values / Nilai Jenama TerasA Leader / Pemimpin our Islamic products are the Benchmark reputed as the pioneer in Islamic banking, we helped build the Islamic banking industry Produk Islam kami menjadi Tanda Aras industri Terkenal sebagai perintis dalam perbankan Islam, kami membantu membangunkan industri perbankan Islam Dynamic / Dinamik progressive and Innovative We are constantly moving ahead as we offer new and technologically advanced products and services Progresif dan Inovatif Kami terus bergerak maju dengan menawarkan produk dan perkhidmatan baharu dan terkini dari segi teknologi professional / Profesional Fast, efficient and responsive Service We are knowledgeable and equipped to handle global business challenges Khidmat Pantas, Cekap dan Tangkas Kami berpengetahuan dan bersedia menghadapi cabaran perniagaan global caring / Prihatin Approachable and Supportive partner We help fulfill every customers financial needs Rakan kongsi yang Mudah Didekati dan Sedia Membantu Kami membantu memenuhi keperluan kewangan setiap pelanggan Trustworthy / Amanah Dependable and reliable 100% Shariah-based products, services and corporate values Berwibawa dan Diyakini Produk, perkhidmatan dan nilai korporat yang berlandaskan Syariah 100%

ABoUT US MeNGeNAI KAMI

Bank Islam emerged as Malaysias maiden Shariah-based financial institution when it commenced operations in July 1983. Since then, Bank Islam has become the symbol of Islamic banking in Malaysia. Its vision to be the global leader in Islamic banking illustrates its status as the flag bearer of the countrys Islamic financial services industry. From only RM80 million initially, Bank Islams paid-up capital swelled to RM1.73 billion as at June 2009, which was instrumental in making possible the growth of its assets and the implementation of its expansion programmes. Through a growing network of delivery channels with 100 branches and more than 700 self-service terminals nationwide at present, Bank Islam parades a comprehensive list of more than 50 innovative and sophisticated Islamic banking products and services, comparable to those offered by its conventional counterparts. From the traditional financing, savings and investment types of products exclusively for individual customers in the early years of establishment, the range of Bank Islams Shariahbased financial products, services and business solutions has significantly expanded to cater to the fast-changing financial needs of all categories of customers including those related to micro financing, wealth management, capital market, treasury and structured products. Being a pioneer, Bank Islam has played a leading role in promoting the expansion of Malaysias brand of Islamic finance into other markets, especially in the region. This has helped develop Bank Islam into a well-established and universally recognised brand. As the number of local and global financial services continues to increase, Bank Islam remains keenly aware of the pioneering role it must continue to play. As a testament of this pioneering role, Bank Islam was awarded the Readers Digest Platinum Award for being the Most Trusted Brand for Islamic Financial Services. With the entrusted belief, Bank Islam is on its way of becoming the global leader in Islamic banking and continues to remain guided by the excellent pioneering work of its predecessors, Malaysias ambition to be an international Islamic financial centre, the success of its turnaround efforts and the challenge from its competitors.

Bank Islam telah muncul sebagai di institusi kewangan berasaskan Syariah yang pertama di Malaysia apabila ia memulakan operasinya pada bulan Julai 1983. Sejak itu, Bank Islam telah menjadi simbol perbankan Islam di Malaysia. Wawasannya untuk menjadi pemimpin global dalam perbankan Islam menjadi bukti statusnya sebagai perintis industri perkhidmatan kewangan Islam negara yang unggul. Bank Islam bermula dengan modal berbayar berjumlah hanya RM80 juta. Jumlah itu kini telah melonjak kepada RM1.73 bilion menjelang Jun 2009, satu perkembangan penting yang telah membolehkannya memperkembangkan aset dan melaksanakan program pengembangan dengan lancar. Lebih 50 produk dan perkhidmatan perbankan Islam komprehensif yang inovatif dan sofistikated diperagakan oleh Bank Islam melalui rangkaian saluran penyampaian dengan 100 cawangan dan lebih daripada 700 terminal layan-diri di seluruh negara, tidak kurang hebatnya berbanding rakan perbankan konvensionalnya yang lain. Daripada produk jenis pembiayaan, simpanan dan pelaburan yang diwujudkan secara eksklusif untuk pelanggan individu semasa awal penubuhannya, keragaman produk kewangan, perkhidmatan dan rumusan perniagaan berasaskan Syariah Bank Islam telah berkembang dengan pesat untuk memenuhi keperluan semua kategori pelanggan yang sentiasa berubah termasuk yang berkaitan dengan pembiayaan mikro, pengurusan kekayaan, pasaran modal, perbendaharaan dan produk berstruktur. Sebagai perintis, Bank Islam memainkan peranan utama dalam mempromosikan jenama kewangan Islam Malaysia di pasaran luar negara, terutamanya di rantau ini. Ianya telah membantu membangunkan Bank Islam menjadi jenama yang mantap dan diiktiraf di seluruh dunia. Dengan meningkatnya bilangan perkhidmatan kewangan setempat dan global, Bank Islam semakin menyedari betapa pentingnya peranan perintis yang ia perlu terus mainkan. Sebagai mengiktiraf peranan perintis ini, Bank Islam telah diberi penghormatan dengan Anugerah Platinum Readers Digest sebagai Jenama Paling Berwibawa bagi Perkhidmatan Kewangan Islam. Dengan kepercayaan yang diamanahkan ini, Bank Islam terus mengorak langkah maju ke arah mencapai status pemimpin global dalam perbankan Islam, dengan berpandukan usaha cemerlang para pemimpin perintis terdahulu, wawasan Malaysia untuk menjadi pusat kewangan Islam antarabangsa, kejayaan usaha memulihkan prestasi Bank serta cabaran yang diberi oleh para pesaing.

BANK ISLAM

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Milestones 1983-2009Pencapaian Kamiover the years, the bank has chartered various milestones: Sejak ditubuhkan, Bank Islam telah menempuh pelbagai peristiwa penting:

1983 Officially launched on 1 July 1983 by former Prime Minister Tun Dr Mahathir Mohamad, Bank Islam Malaysia Berhad (Bank Islam) was incorporated with an authorised capital of RM500 million and a paid-up capital of RM79.9 million First Islamic bank in Malaysia to cater to the specific financial needs of Muslims Bank Islam is ultimately the flag-bearer for the countrys Islamic financial services industry Dilancarkan secara rasmi pada 1 Julai 1983 oleh mantan Perdana Menteri Tun Dr Mahathir Mohamad. Bank Islam Malaysia Berhad (Bank Islam) diperbadankan dengan modal dibenarkan berjumlah RM500 juta dan modal berbayar berjumlah RM79.9 juta Bank Islam pertama di Malaysia yang menyediakan keperluan kewangan khusus untuk orang Islam Pada dasarnya, Bank Islam merupakan peneraju bagi industri perkhidmatan kewangan Islam di Malaysia

1992 The first Islamic financial institution to be listed on Bursa Malaysia Securities Berhad The first bank in Malaysia to introduce the chip-based ATM card (Smart Card) InstitusikewanganIslampertamayangtersenaraidiBursa Malaysia Securities Berhad Bank pertama di Malaysia yang memperkenalkan kad ATM berasaskan cip (Kad Pintar)

1997 Launched its website: www.bankislam.com.my Developed its Total Islamic Banking Solutions under its MIS Upgrade Program BIMB Holdings Berhad was formed to replace Bank Islam as the Groups holding company and to assume the Groups listing status Melancarkan laman webnya: www.bankislam.com.my MembangunkanPenyelesaianPerbankanIslamMenyeluruh di bawah Program Penaikan Taraf MISnya BIMB Holdings Berhad ditubuhkan bagi menggantikan Bank Islam sebagai syarikat induk Kumpulan lantas mengambil alih status penyenaraian Kumpulan

1990 Lead arranger for Shell MDS Sdn Bhd, Malaysias first ringgit-denominated Islamic corporate bond issuance Pengatur utama bagi Shell MDS Sdn Bhd, penerbitan bon korporat Islam berdenominasi ringgit pertama di Malaysia

2000 Awarded ISO 9001:2000 Certification by SIRIM for its Trade Financing and Bills operations Dianugerahkan Pensijilan ISO 9001:2000 oleh SIRIM bagi operasi Pembiayaan Dagangan dan Bil

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BANK ISLAM

Toc HeADING eNGLISH Toc HeADING BM

Excellence Performance Award by the Association of Islamic Banking Institutions Malaysia (AIBIM) Lead arranger for First Global Sukuk Inc, the worlds first Islamic global corporate Sukuk Rated A by Malaysia Rating Corporation (MARC) Menerima Anugerah Prestasi Cemerlang oleh Persatuan Institusi Perbankan Islam Malaysia (AIBIM) Pengatur utama bagi First Global Sukuk Inc, Sukuk korporat Islam pertama di dunia Diberikan penarafan A oleh Malaysia Rating Corporation (MARC)

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2003 Launched its Internet banking First bank to offer zakat (tithe) payment facilities via ATM and credit card Melancarkan perbankan Internet Bank pertama yang menawarkan kemudahan pembayaran zakat melalui ATM dan kad kredit

2004 First bank in Malaysia to offer SMS banking service (bankislam.sms) using any mobile operators BankpertamadiMalaysiayangmenawarkanperkhidmatan perbankan SMS (bankislam.sms) dengan menggunakan sebarang pengendali telefon mudah alih

2002 First bank in the Asia-Pacific region to introduce EMVcompliant credit cards with chip-based system following the launch of Bank Islam MasterCard Co-manager for Malaysia Global Sukuk Inc, the worlds first Islamic sovereign Sukuk BankpertamadirantauAsia-Pasifikyangmemperkenalkan kad kredit patuh EMV dengan sistem berasaskan cip berikutan pelancaran MasterCard Bank Islam PengurusbersamabagiMalaysiaGlobalSukukInc,Sukuk Berdaulat Islam pertama di dunia

BANK ISLAM

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Milestones 1983-2009 pencapaian Kami 1983-2009

Voted Best Provider of Islamic Finance in Malaysia by Finance News Best Islamic Banks Poll 2005 First bank in South East Asia to introduce an Islamic Platinum MasterCard Awarded Platinum Award for Best e-commerce Related Initiative in Asia-Pacific by MasterCard Worldwide Introduced Wiqa Forward Rate Agreement, a Shariahbased financial hedging tool to facilitate in-house risk management Dubai Islamic Investment Group (DIG) and Lembaga Tabung Haji (LTH) purchased a 40 per cent and 9 per cent stake each in Bank Islam Dipilih sebagai Penyedia Perkhidmatan Kewangan Islam Terbaik di Malaysia oleh Finance News Best Islamic Bank Poll 2005 Bank pertama di Asia Tenggara yang memperkenalkan MasterCard Platinum Islam Dianugerahkan Award Platinum bagi Inisiatif e-dagang Terbaik di Asia-Pasifik oleh MasterCard Worldwide Memperkenalkan Perjanjian Kadar Hadapan Wiqa, satu mekanisme pelindung nilai kewangan berdasarkan Syariah bagi memudahkan pengurusan risiko dalaman Dubai Islamic Investment Group (DIG) dan Lembaga Tabung Haji (LTH) masing-masing membeli 40 peratus dan 9 peratus ekuiti di Bank Islam

2006

2007 Entered into its first Islamic cross-currency swap agreement Launch of the new corporate identity of Bank Islam, officiated by a Minister at the Prime Ministers Office, YB Dato Dr. Abdullah Md Zin Embarked on Branch Remodeling exercise SigningofastrategiccollaborationdealwiththeEuropean Islamic Investment Bank plc (EIIB), a gateway for Bank Islam to make inroads into the European market Memeterai perjanjian swap mata wang-bersilang Islam pertama Melancarkan identiti korporat Bank Islam yang baru, dirasmikan oleh Menteri di Jabatan Perdana Menteri, YB Dato Dr. Abdullah Md Zin Memulakan usaha Pengubahsuaian Semula Cawangan Menandatangani perjanjian kerjasama strategik dengan European Islamic Investment Bank plc (EIIB) sebagai gerbang untuk Bank Islam meneroka pasaran Eropah

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BANK ISLAM

2008 Celebrated its 25th anniversary Recorded highest profit of RM308.27 million in 25 years LaunchedanewproductcalledCommodityUndertaking-i, an Islamic option based product to be used for asset liability management purpose and investment purpose LaunchedourfirstIslamicstructuredandcapitalprotected funds, An Najahi, the first Shariah-based structured product with health care as the investment theme Expanded its foreign currency retail services with the opening of its first bureau de change (BDC) outlet at the Low Cost Carrier Terminal (LCCT), Kuala Lumpur International Airport Meraikan ulang tahun ke-25 Mencatat keuntungan tertinggi dalam tempoh 25 tahun berjumlah RM308.27 juta Melancarkan produk baru yang dipanggil Aku Janji Komoditi-i, sebuah produk berasaskan opsyen Islam yang boleh digunakan untuk tujuan pengurusan aset dan liabiliti serta pelaburan Melancarkandanaberstrukturdenganjaminanperlindungan modal Islam pertama, An-Najah-i, produk berstruktur pertama berlandaskan Syariah dengan penjagaan kesihatan sebagai tema pelaburan Mengembangkan perkhidmatan mata wang asing runcit dengan pembukaan cawangan biro tukaran wang asing (BDC) pertamanya di Low Cost Carrier Terminal (LCCT), Lapangan Terbang Antarabangsa Kuala Lumpur.

Awarded Best Mixed Asset MYR Balanced Islamic Fund for period ending December 2008 in conjunction with The Edge-Lipper Malaysia Fund Awards 2009 for Bank Islams ASBI Dana Al-Munsif managed by its subsidiary, BIMB Investment Management Berhad Strategic Collaboration between Bank Islam subsidiary Bank Islam Trust Company (Labuan) Ltd and Bank Muamalat Indonesia Group to cooperate in the promotion of Islamic trust products to the worlds largest Islamic population Launched Al-Awfar, a first-of-its-kind combination of savings-i and investment-i account which offers cash prizes Awarded Readers Digest Platinum Trusted Brand Award 2009 for Islamic Financial Services Manager for the Terengganu Investment Authority RM5.0 billion IMTN Programme guaranteed by the Government of Malaysia; a landmark 30-year issue, being the longest tenured bond issued in Malaysia for both Sukuk and conventional bond markets Launched Sinar Letrik Home Campaign where the Bank will help home owners pay their electricity bills for five consecutive years under a collaboration entered into with Tenaga Nasional Berhad. Sole Islamic bank and the only non-investment bank that the Securities Commission approved under its list of Principal Advisers for specific corporate proposals in Malaysia The first Commercial Bank as Adviser for equity-linked transactions for YSP Southeast Asia Holdings Berhad on Rights Issue

2009

BANK ISLAM

11

Milestones 1983-2009 pencapaian Kami 1983-2009

Transacted the first asset swap transaction for Bank Islam; which entails applying hedge accounting for the first time to the bond portfolio Transacted the first Islamic equity option transaction for Bank Islam Launched a new line of business i.e. Bulk Payment Foreign Exchange transaction Introduced a new customer service i.e. daily market news update via SMS FirstBanktojoineffortwithLTHinlaunchingtheUniteller Service which enables performance of LTH transactions and Hajj registration at any Bank Islam branches nationwide Dianugerahkan Aset Campuran Terbaik bagi Dana Islam Terimbang dalam Ringgit Malaysia (Best Mixed Asset MYR Balanced Islamic Fund) bagi tempoh berakhir Disember 2008 sempena The Edge-Lipper Malaysia Fund Awards 2009 untuk ASBI Dana Al-Munsif yang diuruskan oleh BIMB Investment Management Berhad, anak syarikat Bank Islam Kerjasama Strategik antara subsidiari Bank Islam, iaitu Bank Islam Trust Company (Labuan) Ltd dengan Kumpulan Bank Muamalat Indonesia untuk bekerjasama dalam mempromosi produk amanah Islam di Indonesia, iaitu negara paling ramai umat Islam di dunia Melancarkan Al-Awfar, iaitu kombinasi akaun simpanan-i dan pelaburan-i yang pertama seumpamanya yang menawarkan hadiah wang tunai Dianugerahkan Award Platinum Readers Digest sebagai Jenama Paling Berwibawa bagi Perkhidmatan Kewangan Islam

Pengurus bagi Program Nota Islam Bertempoh Sederhana Badan Pelaburan Terengganu bernilai RM5 bilion yang dijamin oleh Kerajaan Malaysia; terbitan mercu tanda 30-tahun, iaitu merupakan bon yang diterbitkan di Malaysia dengan tempoh matang paling lama untuk pasaran Sukuk dan bon konvensional Melancarkan Kempen Rumah Sinar Eletrik di mana Bank akan membantu pemilik rumah membayar bil elektrik mereka untuk tempoh lima tahun berturut-turut di bawah kerjasama yang dibuat dengan Tenaga Nasional Berhad Satu-satunya bank Islam dan bank bukan pelaburan yang diluluskan oleh Suruhanjaya Sekuriti dalam senarai Penasihat Utamanya bagi cadangan korporat spesifik di Malaysia Bank komersil pertama sebagai Penasihat transaksi berkait ekuiti bagi YSP Southeast Asia Holdings Berhad berkenaan Terbitan Hak Menjalankan transaksi swap aset pertama untuk Bank Islam; di mana mekanisme perlindungan nilai terhadap portfolio bon digunakan buat pertama kalinya Melakukan urus niaga opsyen ekuiti Islam pertama bagi Bank Islam MelancarkanperniagaanbaharuiaituurusniagaPertukaran Mata Wang Asing secara Pukal Memperkenalkan perkhidmatan pelanggan baharu, iaitu maklumat terkini berita pasaran harian melalui SMS Bank pertama yang menjalan usaha sama dengan LTH dalam pelancaran Khidmat Uniteller yang membolehkan urus niaga LTH dan pendaftaran Haji dilakukan di semua cawangan Bank Islam di seluruh negara

12

BANK ISLAM

FIve-YeAr FINANcIAL HIGHLIGHTS SoroTAN KeWANGAN LIMA TAHUN

rM000 Financial Year ended 30 June Tahun Kewangan Berakhir 30 Jun 2009 2008 2007 2006 2005

reSULTS / KepUTUSANTotal Revenue / Jumlah Hasil Profit Before Provision / Keuntungan Sebelum Peruntukan Profit/(Loss) Before Zakat and Tax / Keuntungan/(Kerugian) Sebelum Zakat dan Cukai Profit/(Loss) After Zakat and Tax / Keuntungan/(Kerugian) Selepas Zakat dan Cukai 1,267,087 359,154 1,152,041 280,240 1,010,493 218,637 949,459 202,925 884,999 226,303

233,096

308,267

236,660

(1,288,334)

(479,778)

160,607

384,117

232,460

(1,307,963)

(507,807)

BALANce SHeeT / KUNcI KIrA-KIrATotal Assets / Jumlah Aset Total Financing / Jumlah Pembiayaan of which Net Non-Performing Financing / yang mana Pembiayaan Tak Berbayar Bersih Securities / Sekuriti Total Deposits / Jumlah Deposit Shareholders Equity / Ekuiti Pemegang Saham 27,488,204 9,661,864 23,559,424 9,061,318 19,091,175 8,472,014 14,597,710 8,642,363 15,848,906 9,168,596

482,154 8,915,821 25,211,516 1,519,553

721,773 3,651,427 20,763,168 1,308,950

980,888 3,880,539 17,616,899 1,014,212

812,624 2,466,157 14,442,774 (289,014)

1,156,309 3,239,136 13,483,171 730,181

rATIo ANALYSIS / ANALISIS NISBAHReturn on Assets / Pulangan Aset Return on Equity / Pulangan Ekuiti Capital Adequacy Ratio / Nisbah Kecukupan Modal Net Non-Performing Financing / Pembiayaan Tak Berbayar Bersih Earnings Per Share (EPS) / Perolehan Sesaham Net Tangible Assets Backing / Jaminan Aset Ketara Bersih 0.91% 16.48% 13.61% 4.90% 9 sen 88 sen 1.45% 26.54% 12.93% 7.82% 22 sen 76 sen 1.40% 23.33% 12.01% 11.35% 16 sen 59 sen N/A N/A -2.96% 9.22% -177 sen -33 sen N/A N/A 9.06% 12.62% -92 sen 121 sen

BANK ISLAM

13

FIve-YeAr STATISTIcAL revIeW ULASAN STATISTIK LIMA TAHUN

Total Revenue Jumlah Hasil

(RM Million / Juta)

Prot Before Provision Keuntungan Sebelum Peruntukan(RM Million / Juta)

Prot/(Loss) before Zakat and Tax Keuntungan/(Kerugian) sebelum Zakat dan Cukai(RM Million / Juta)

1,267

359

237

308 08 20,763 08 09 722 08 09

1,010

1,152

885

949

226

203

219

280

(480)

05

06

07

08

09

05

06

07

08

09

(1,288)

05

06

07

Total Assets Jumlah Aset

(RM Million / Juta)27,488

Total Financing Jumlah Pembiayaan(RM Million / Juta)9,169 9,662

Total Deposits Jumlah Deposit(RM Million / Juta)25,212 482

8,642

23,559

8,472

9,061

19,091

15,849

14,598

05

06

07

08

09

05

06

07

08

09

05

13,483

06

14,443

07

Shareholders Equity Ekuiti Pemegang Saham(RM Million / Juta)

Net Non-Performing Financing Pembiayaan Tak Berbayar Bersih(RM Million / Juta)1,156

1,520

1,014

1,309

730

(289)

05

06

07

08

09

05

06

813

07

14

BANK ISLAM

981

17,617

233 09

FINANcING BY coNTrAcT peMBIAYAAN MeNGIKUT KoNTrAK

200953.4%

Group and Bank / Kumpulan dan Bank (RM000)Bai Bithaman Ajil RM5,719,619 (53.4%) Murabahah RM1,680,071 (15.7%)15.7%

Bai Al-Inah Cash Note / Nota Tunai RM1,611,717 (15.0%) Bai Al-Inah RM662,701 (6.1%) Istisna RM543,016 (5.1%) Ijarah RM289,200 (2.7%) At-Tawarruq RM167,378 (1.6%) Ijarah Muntahiah Bit-Tamleek RM28,367 (0.3%) Mudharabah RM8,934 (0.1%)

15.0%

6.1% 5.1% 2.7% 1.6% 0.3% 0.1%

200852.8%

Group and Bank / Kumpulan dan Bank (RM000)Bai Bithaman Ajil RM5,526,409 (52.8%) Murabahah RM1,848,075 (17.7%) Bai Al-Inah Cash Note / Nota Tunai RM1,583,186 (15.1%)15.1%

17.7%

Bai Al-Inah RM708,527 (6.8%) Istisna RM509,988 (4.9%) Ijarah RM243,063 (2.3%) Ijarah Muntahiah Bit-Tamleek RM30,334 (0.3%) Mudharabah RM9,249 (0.1%)

6.8% 4.9% 2.3% 0.3% 0.1%

BANK ISLAM

15

FINANcING BY BUSINeSS SeGMeNT peMBIAYAAN MeNGIKUT SeGMeN perNIAGAAN

200966.4%

17.7%

15.9%

Consumer /Pengguna Commercial / Komersil Corporate/Korporat

200861.8%

22.5%

15.7%

16

BANK ISLAM

The power of Synergy / Kuasa SinergiTo deliver comprehensive financial solutions of global standards, we need to harness the synergy of using state-of-the-art technology together with the expertise and teamwork of our workforce. With this combination, we can scale even higher in the Islamic financial service industry. Untuk menyediakan penyelesaian kewangan bertaraf global yang komprehensif, kami perlu menggembleng sinergi dalam penggunaan teknologi canggih terkini bersama-sama kepakaran dan usaha berpasukan warga kerja kami. Dengan kombinasi kedua-dua unsur ini, kami mampu mencapai kejayaan yang lebih tinggi dalam industri perkhidmatan kewangan Islam.

corporATe INForMATIoN MAKLUMAT KorporAT

BoArD oF DIrecTorS LeMBAGA peNGArAHchairman / pengerusi Dato Mohd Bakke Salleh

Members / Ahli-Ahli Dato Sri Zukri Samat Johan Abdullah Datuk Ismee Ismail Zahari @ Mohd Zin Idris Zaiton Mohd Hassan Fadhel Abdulbaqi Abu Al-Hasan Al-Qaed Salaam Said Salim Al-Shaksy Ahmed Saeed Sultan Bin Braik (resigned on 29 October 2009 / meletak jawatan pada 29 Oktober 2009) Marwan Hassan Ali Al-Khatib (appointed on 1 January 2009 / dilantik pada 1 Januari 2009) Hashim Abdulla Ahmad Al-Dabal (resigned on 1 January 2009 / meletak jawatan pada 1 Januari 2009)

NoMINATIoN AND ASSeSSMeNT coMMITTee / JAWATANKUASA peNAMAAN DAN peNILAIANchairman / pengerusi Zaiton Mohd Hassan Members / Ahli-Ahli Dato Sri Zukri Samat (appointed on 27 May 2009 / dilantik pada 27 Mei 2009) Zahari @ Mohd Zin Idris Datuk Ismee Ismail Marwan Hassan Ali Al-Khatib (appointed on 1 January 2009 / dilantik pada 1 Januari 2009) Hashim Abdulla Ahmad Al-Dabal (resigned on 1 January 2009 / meletak jawatan pada 1 Januari 2009)

reMUNerATIoN coMMITTee / JAWATANKUASA IMBUHANchairman / pengerusi Zaiton Mohd Hassan Members / Ahli-Ahli Zahari @ Mohd Zin Idris Datuk Ismee Ismail Marwan Hassan Ali Al-Khatib (appointed on 1 January 2009 / dilantik pada 1 Januari 2009) Hashim Abdulla Ahmad Al-Dabal (resigned on 1 January 2009/ meletak jawatan pada 1 Januari 2009)

18

BANK ISLAM

BoArD FINANcING revIeW coMMITTee / JAWATANKUASA LeMBAGA peNGArAH SeMAKAN peMBIAYAANchairman / pengerusi Zahari @ Mohd Zin Idris Members / Ahli-Ahli Zaiton Mohd Hassan ( Vice Chairman / Naib Pengerusi) Dato Sri Zukri Samat (appointed on 27 August 2008 / dilantik pada 27 Ogos 2008) Datuk Ismee Ismail

SHArIAH SUpervISorY coUNcIL / MAJLIS peNGAWASAN SYArIAHchairman / pengerusi Dr Ahmad Shahbari @ Sobri Salamon (appointed Chairman from 1 July 2009 / dilantik Pengerusi mulai 1 Julai 2009) Members / Ahli-Ahli Mohd Bakir Hj Mansor (Chairman from 1 July 2008 until 30 June 2009 / Pengerusi mulai 1 Julai 2008 hingga 30 Jun 2009) Dato Haji Daud Muhammad Dr Yusof Ramli Dr Abdullah Hj Ibrahim (deceased on 26 January 2009 / meninggal dunia pada 26 Januari 2009) Dr Asmak Ab. Rahman (resigned on 31 March 2009 / meletak jawatan pada 31 Mac 2009)

BoArD rISK coMMITTee / JAWATANKUASA LeMBAGA peNGArAH rISIKochairman / pengerusi Zaiton Mohd Hassan Members / Ahli-Ahli Zahari @ Mohd Zin Idris Fadhel Abdulbaqi Abu Al-Hasan Al-Qaed Salaam Said Salim Al-Shaksy

coMpANY SecreTArIeS / SeTIAUSAHA-SeTIAUSAHA SYArIKATNorhidayati Mohamat Salim (MIA 27364) Maria Mat Said (LS0009400) (appointed on 29 January 2009 / dilantik pada 29 Januari 2009)

AUDIT AND exAMINATIoN coMMITTee/ JAWATANKUASA AUDIT DAN peMerIKSAANchairman / pengerusi Zahari @ Mohd Zin Idris Members / Ahli-Ahli Zaiton Mohd Hassan Marwan Hassan Ali Al-Khatib (appointed on 1 January 2009 / dilantik pada 1 Januari 2009) Hashim Abdulla Ahmad Al-Dabal (resigned on 1 January 2009 / meletak jawatan pada 1 Januari 2009)

reGISTereD ADDreSS / ALAMAT BerDAFTAr11th Floor, Wisma Bank Islam Jalan Dungun, Bukit Damansara 50490 Kuala Lumpur Tel : (6)03-2088 8000 Fax / Faks: (6)03-2088 8001 Web : www.bankislam.com.my

AUDITorS / JUrUAUDITKPMG Desa Megat & Co (AF 0759) Level 10, KPMG Tower 8, First Avenue, Bandar Utama 47800 Petaling Jaya Selangor

BANK ISLAM

19

BoArD oF DIrecTorS LeMBAGA peNGArAH

Right to Left / Dari Kanan ke Kiri

Dato Sri Zukri Samat Managing Director/ Pengarah Urusan Datuk Ismee Ismail Non-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan Bebas Zaiton Mohd Hassan Independent Non-Executive Director Pengarah Bebas Bukan Eksekutif

Salaam Said Salim Al-Shaksy Non-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan Bebas Marwan Hassan Ali Al-Khatib Non-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan Bebas

20

BANK ISLAM

Left to Right / Dari Kiri ke Kanan

Dato Mohd Bakke Salleh Chairman/Pengerusi Johan Abdullah Non-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan Bebas Zahari @ Mohd Zin Idris Independent Non-Executive Director Pengarah Bebas Bukan Eksekutif

Fadhel Abdulbaqi Abu Al-Hasan Al-Qaed Non-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan Bebas Ahmed Saeed Sultan Bin Braik Independent Non-Executive Director Pengarah Bebas Bukan Eksekutif

BANK ISLAM

21

proFILe oF BoArD oF DIrecTorS proFIL LeMBAGA peNGArAH

Dato Mohd Bakke Salleh was appointed as Chairman of Bank Islam on 1 April 2008.

DATo MoHD BAKKe SALLeHChairman / Pengerusi

Dato Mohd Bakke Salleh dilantik sebagai Pengerusi Bank Islam pada 1 April 2008.

BSc. (Econs) London School of Economics and Dato Mohd Bakke is currently Political Science (UK), Fellow of the Institute of Chartered the Group Managing Director Dato Mohd Bakke kini Accountants (England and Wales) of Felda Holdings Bhd. He is memegang jawatan Pengarah Member of Malaysian Institute of Accountants BSc. (Ekon) London School of Economics and also a director of BIMB Urusan Kumpulan FELDA Political Science (UK), Fellow Institute of Holdings Berhad, a director of Holdings Bhd. Beliau turut Chartered Accountants (England and Wales) Ahli Institut Akauntan Malaysia Amanah Raya Berhad and a memegang jawatan pengarah commission member of the BIMB Holdings Berhad, Securities Commission of pengarah Amanah Raya Malaysia. Before joining Felda Berhad dan ahli Suruhanjaya Holdings Bhd, Dato Mohd Bakke held the position of Group Sekuriti Malaysia. Sebelum menyertai FELDA Holdings Bhd, Managing Director and Chief Executive Officer of Lembaga Dato Mohd Bakke menyandang jawatan Pengarah Urusan Tabung Haji. Kumpulan dan Ketua Pegawai Eksekutif Lembaga Tabung Haji. Dato Mohd Bakke has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict Dato Mohd Bakke tiada sebarang hubungan kekeluargaan of interest with Bank Islam and neither has he been charged dengan mana-mana pengarah dan/atau pemegang saham with any offences. utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

22

BANK ISLAM

Dato Sri Zukri Samat was appointed as the Managing Director of Bank Islam on 9 June 2006.

Dato Sri Zukri SamatManaging Director / Pengarah Urusan

Dato Sri Zukri Samat dilantik sebagai Pengarah Urusan Bank Islam pada 9 Jun 2006.

Sebelum dilantik sebagai MBA (Finance), University of Hull (UK) Pengarah Urusan Bank Islam, Before his appointment as MBA (Kewangan), University of Hull (UK) Dato Sri Zukri berkhidmat Managing Director of Bank sebagai Pengarah Eksekutif Islam, Dato Sri Zukri was the Pelaburan, Khazanah Nasional Executive Director of Berhad, cabang pelaburan Kerajaan Malaysia (Kerajaan). Sebelum Investment, Khazanah Nasional Berhad, the investment arm menyandang jawatan ini, beliau adalah Pengarah Urusan of the Government of Malaysia (Government). Prior to that, Pengurusan Danaharta Nasional Berhad (Danaharta), sebuah he was the Managing Director of Pengurusan Danaharta Syarikat Pengurusan Aset kebangsaan yang ditubuhkan oleh Nasional Berhad (Danaharta), a national Asset Management Kerajaan semasa krisis kewangan pada tahun 1997/1998 dahulu. Company set up by the Government during the 1997/1998 Beliau menyertai Danaharta sebagai Pengurus Besar Divisyen financial crisis. He joined Danaharta in October 1998 as the Operasi pada Oktober 1998, dan setelah itu dinaikkan pangkat General Manager, Operations Division and was later promoted menjadi Pengarah Operasi pada bulan Ogos 2001. Kenaikan as the Director of Operations in August 2001, assuming direct pangkat ini membawa bersama tanggungjawab langsung ke atas line responsibility for all loan recovery activities of Danaharta. kesemua aktiviti mendapatkan semula pinjaman Danaharta. Pada On 1 July 2003, he was then appointed as the Managing 1 Julai 2003, beliau dilantik sebagai Pengarah Urusan Danaharta Director until December 2005 when Danaharta ceased its sehingga Disember 2005 apabila syarikat itu menamatkan operation. Dato Sri Zukri had also served in Credit Agricole operasinya. Dato Sri Zukri juga pernah berkhidmat dengan Credit Indosuez Labuan as the General Manager. He had also Agricole Indosuez Labuan sebagai Pengurus Besar. Di samping served Commerce International Merchant Bankers Berhad itu, beliau juga pernah berkhidmat dengan Commerce International (CIMB) for a significant period of time; his last position Merchant Bankers Berhad (CIMB) untuk tempoh yang agak being Deputy General Manager of Capital Markets where he lama, jawatan terakhir yang beliau sandang di syarikat itu ialah was responsible for transactions involving private debt Penolong Pengurus Besar Pasaran Modal di mana beliau telah securities, project finance, corporatisation and privatisation of memikul tanggungjawab mengawasi transaksi berhubung sekuriti state-owned companies. Dato Sri Zukri started his career hutang swasta, pembiayaan projek, pensyarikatan, dan with Bank Bumiputra Malaysia Berhad before joining Public penswastaan syarikat milik-kerajaan negeri. Dato Sri Zukri Bank Berhad where he served for seven (7) years in various memulakan kerjayanya dengan Bank Bumiputra Malaysia Berhad capacities both at head office and branches. sebelum beliau menyertai Public Bank Berhad di mana beliau menabur khidmat selama tujuh (7) tahun dalam pelbagai jawatan Dato Sri Zukri is also the President of Association of Islamic di ibu pejabat serta peringkat cawangan. Banking Institutions Malaysia (AIBIM), a director of Islamic Banking and Finance Institute Malaysia Sdn Bhd (IBFIM), a Dato Sri Zukri juga menyandang jawatan Presiden Persatuan director of the Financial Services Education Centre (FSEC) Institusi Perbankan Islam Malaysia (AIBIM), pengarah Islamic now known as Asian Institute of Finance (AIF), a member Banking and Finance Institute Malaysia Sdn Bhd (IBFIM), of the Professional Development Panel of International Centre pengarah Pusat Pendidikan Perkhidmatan Kewangan (FSEC) kini for Education in Islamic Finance (INCEIF), a director of dikenali sebagai Asian Institute of Finance (AIF), ahli Panel Amana Investments Limited (Sri Lanka) and an Investment Pembangunan Profesional Pusat Pendidikan Kewangan Islam Advisory Committee Member of CMREF 1 Sdn Bhd. Antarabangsa (INCEIF), pengarah Amana Investments Limited (Sri Lanka) dan Ahli Jawatankuasa Penasihat Pelaburan bagi Dato Sri Zukri Samat has no family relationship with any CMREF 1 Sdn Bhd. director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been Dato Sri Zukri Samat tiada sebarang hubungan kekeluargaan charged with any offences. dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

BANK ISLAM

23

profile of Board of Directors profil Lembaga pengarah

Johan Abdullah was appointed as a director of Bank Islam on 1 August 2008. Currently, Johan is the Group Managing Director/Chief Executive Officer of BIMB Holdings Berhad.

JoHAN ABDULLAHNon-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan BebasMBA (Finance), Morehead State University (USA) BBA (Finance), Eastern Michigan University (USA) Diploma in Banking, University Technology MARA MBA (Kewangan), Morehead State University (AS) MBA (Kewangan), Eastern Michigan University (AS) Diploma Perbankan, Universiti Teknologi MARA

Johan Abdullah dilantik sebagai pengarah Bank Islam pada 1 Ogos 2008. Encik Johan kini memegang jawatan Pengarah Urusan/ Ketua Pegawai Eksekutif Kumpulan BIMB Holdings Berhad.

He started his professional career in 1987 with Kuala Lumpur Stock Exchange (currently known as Bursa Malaysia Berhad) as a Listing Officer. In 1989, he joined Corporate Finance Division of Bumiputra Merchant Bankers Berhad and left the Bank in early 1995 as Senior Manager. Later, he joined Damansara Realty Berhad as General Manager, Corporate Planning. Subsequently in the year 1999, he re-joined Bursa Malaysia Berhad and took up various senior positions including that of Deputy Chief Regulatory Officer, Group Regulation.

Johan has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Beliau melangkah ke alam kerjaya profesional pada tahun 1987 dengan berkhidmat sebagai Pegawai Penyenaraian di Bursa Saham Kuala Lumpur (kini dikenali sebagai Bursa Malaysia Berhad). Pada tahun 1989, beliau menyertai Divisyen Kewangan Korporat Bumiputra Merchant Bankers Berhad dan mengundur diri sebagai Pengurus Kanan Bank itu pada awal tahun 1995. Selanjutnya, beliau menyertai Damansara Realty Berhad sebagai Pengurus Besar, Perancangan Korporat. Pada tahun 1999, beliau menyertai semula Bursa Malaysia Berhad dan memegang pelbagai jawatan kanan termasuk Timbalan Ketua Pegawai Kawal Selia, Kawal Selia Kumpulan. Encik Johan tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

24

BANK ISLAM

Datuk Ismee Ismail was appointed as a director of Bank Islam on 9 October 2006. Datuk Ismee is currently the Group Managing Director and Chief Executive Officer of Lembaga Tabung Haji and sits on the Board of several of its subsidiary and associate companies including BIMB Holdings Berhad, TH Plantations Berhad and KFC Holdings (Malaysia) Berhad.

DATUK ISMee ISMAILNon-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan BebasMember of Chartered Institute of Management Accountants (UK), Member of Malaysian Institute of Accountants Ahli Chartered Institute of Management Accountants (UK) Ahli Institut Akauntan Malaysia Member of Nomination and Assessment Committee Member of Remuneration Committee Ahli Jawatankuasa Pencalonan dan Penilaian Ahli Jawatankuasa Imbuhan Member of Board Financing Review Committee Ahli Jawatankuasa Kajian Kewangan Lembaga Pengarah

Datuk Ismee Ismail dilantik sebagai pengarah Bank Islam pada 9 Oktober 2006. Datuk Ismee kini memegang jawatan Pengarah Urusan Kumpulan dan Ketua Pegawai Eksekutif Lembaga Tabung Haji. Beliau juga merupakan pengarah BIMB Holdings Berhad, TH Plantations Berhad dan KFC Holdings (Malaysia) Berhad.

Previously, Datuk Ismee held the position of Chief Executive Officer of ECM Libra Securities and director of ECM Libra Capital Sdn Bhd. He had also served in several organisations including that of Senior General Manager of Finance, Lembaga Tabung Haji, Chief Accountant at Pengurusan Danaharta Nasional Berhad, General Manager, Business Development of Arab Malaysia Development Berhad and held various finance positions in Shell Malaysia. Datuk Ismee has no family relationship with any director and/ or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Sebelum ini, Datuk Ismee memegang jawatan Ketua Pegawai Eksekutif bagi ECM Libra Securities dan pengarah di ECM Libra Capital Sdn Bhd. Beliau juga pernah berkhidmat di beberapa organisasi, antara lain, sebagai Pengurus Besar Kanan Kewangan, Lembaga Tabung Haji; sebagai Ketua Akauntan di Pengurusan Danaharta Nasional Berhad, sebagai Pengurus Besar, Pembangunan Perniagaan di Arab Malaysia Development Berhad dan pelbagai jawatan di Shell Malaysia. Datuk Ismee tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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profile of Board of Directors profil Lembaga pengarah

Zahari @ Mohd Zin Idris was appointed as a director of Bank Islam on 20 September 2002. Zahari is currently the Chairman of BIMB Foreign Currency Clearing Agency Sdn Bhd and Bank Islam Trust Company (Labuan) Ltd. He is also a director of BIMB Holdings Berhad.

ZAHArI @ MoHD ZIN IDrISIndependent Non-Executive Director Pengarah Bebas Bukan EksekutifSenior Cambridge Certificate Sijil Senior Cambridge Chairman of Audit and Examination Committee Chairman of Board Financing Review Committee Member of Nomination and Assessment Committee Member of Remuneration Committee Pengerusi Jawatankuasa Audit dan Pemeriksaan Pengerusi Jawatankuasa Kajian Kewangan Lembaga Pengarah Ahli Jawatankuasa Pencalonan dan Penilaian Ahli Jawatankuasa Imbuhan

Zahari @ Mohd Zin Idris dilantik sebagai pengarah Bank Islam pada 20 September 2002. Encik Zahari kini merupakan Pengerusi BIMB Foreign Currency Clearing Agency Sdn Bhd dan Bank Islam Trust Company (Labuan) Ltd. Beliau juga adalah pengarah BIMB Holdings Berhad.

Previously, Zahari was the Managing Director of Inter-City MPC (M) Sdn Bhd from 1999 to 2005. Prior to that, he was the General Manager, Commercial Banking Division of Malayan Banking Berhad before retiring in 1996.

Sebelum ini, iaitu dari tahun 1999 hingga 2005, Encik Zahari memegang jawatan Pengarah Urusan Inter-City MPC (M) Sdn Bhd. Terdahulu dari itu, beliau memegang jawatan Pengurus Besar, Divisyen Perbankan Komersil di Malayan Banking Berhad sebelum bersara pada tahun 1996. Encik Zahari tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

Zahari has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

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Zaiton Mohd Hassan was appointed as a director of Bank Islam on 2 February 2006. Zaiton is currently the Managing Director of Capital Intelligence Advisors Sdn Bhd. She was formerly the President/ Executive Director of Malaysian Rating Corporation Berhad (MARC). She is also a director of BIMB Holdings Berhad, a commission member of the Companies Commission of Malaysia, a director of Malaysian Industrial Development Finance Berhad, Credit Guarantee Corporation Malaysia Berhad and SME Credit Bureau Sdn Bhd.

ZAIToN MoHD HASSANIndependent Non-Executive Director Pengarah Bebas Bukan EksekutifMember of Malaysian Institute of Certified Public Accountants Fellow of Association of Chartered Certified Accountants (UK) Ahli Institut Akauntan Awam Bertauliah Malaysia Fellow Association of Chartered Certified Accountants (UK) Chairman of Board Risk Committee Chairman of Nomination and Assessment Committee Chairman of Remuneration Committee Vice Chairman of Board Financing Review Committee Member of Audit and Examination Committee Pengerusi Jawatankuasa Risiko Lembaga Pengarah Pengerusi Jawatankuasa Pencalonan dan Penilaian Pengerusi Jawatankuasa Imbuhan Naib Pengerusi Jawatankuasa Kajian Kewangan Lembaga Pengarah Ahli Jawatankuasa Audit dan Pemeriksaan

Zaiton Mohd Hassan dilantik sebagai pengarah Bank Islam pada 2 Februari 2006. Puan Zaiton kini memegang jawatan Pengarah Urusan Capital Intelligence Advisors Sdn Bhd. Sebelum ini beliau merupakan Presiden/Pengarah Eksekutif Malaysian Rating Corporation Berhad (MARC). Beliau juga memegang jawatan pengarah BIMB Holdings Berhad, ahli bertauliah Suruhanjaya Syarikat Malaysia, pengarah Malaysian Industrial Development Finance Berhad, Credit Guarantee Corporation Malaysia Berhad dan SME Credit Bureau Sdn Bhd.

Zaiton has no family relationship with any director and/or major shareholder of Bank Islam. She has no conflict of interest with Bank Islam and neither has she been charged with any offences.

Puan Zaiton tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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profile of Board of Directors profil Lembaga pengarah

Fadhel Abdulbaqi Abu Al-Hasan Al-Qaed was appointed as a director of Bank Islam on 28 February 2007.

FADHeL ABDULBAQI ABU AL-HASAN AL-QAeDNon-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan Bebas

Fadhel Abdulbaqi Abu Al-Hasan Al-Qaed dilantik sebagai pengarah Bank Islam pada 28 Februari 2007.

Encik Fadhel memulakan kerjaya Fadhel started his career with beliau dengan Dubai Holding Dubai Holding as Chief Financial B.Sc (Hons) Industrial and System Engineering, sebagai Ketua Pegawai Kewangan University of Southern California (USA) Officer in September 2004. pada bulan September 2004. Certificate of Finance, American University of Sharjah, (UAE) Later, he was promoted as Chief Kemudiannya, beliau dinaikkan B.Sc (Kepujian) Kejuruteraan Perindustrian dan Sistem, Operating Officer and University of Southern California (AS) pangkat sebagai Ketua Pegawai subsequently Executive Sijil Kewangan, American University of Sharjah, (UAE) Operasi dan selanjutnya sebagai Chairman for Operations in Pengerusi Eksekutif bagi Operasi Member of Board Risk Committee 2007. As Executive Chairman pada tahun 2007. Sebagai Ahli Jawatankuasa Risiko Lembaga Pengarah for Operations, Fadhel is Pengerusi Eksekutif bagi Operasi, responsible to provide strategic Encik Fadhel bertanggungjawab operational leadership for the menyediakan kepimpinan group and to ensure the implementation of global best practices pengendalian strategik bagi kumpulan dan memastikan amalan terbaik global dilaksanakan di seluruh pemacu portfolio utama throughout the groups key portfolio drivers. kumpulan. Fadhel sits on the board of other entities within the Dubai Encik Fadhel turut menganggotai lembaga pengarah entiti lain Holding Group including Jumeirah Group, Dubai Group, Dubai dalam Kumpulan Dubai Holding, termasuk Jumeirah Group, Dubai International Capital and Tatweer. He is also on the Board of Group, Dubai International Capital dan Tatweer. Beliau juga Directors for Borse Dubai, Dubai Bank, Dubai First, Du (Emirates merupakan ahli Lembaga Pengarah Borse Dubai, Dubai Bank, Integrated Telecommunications Company), Dubai Capital Dubai First, Du (Emirates Integrated Telecommunications Management, DIC Asset Management and Dubai Financial Company), Dubai Capital Management, DIC Asset Management Services Authority. dan Dubai Financial Services Authority. Fadhel has a wealth of experience in the finance industry. He began a long and successful career at Citibank, where he worked as a financial analyst preparing UAE and Oman profitability reports for the banks head office in New York. He moved through the ranks quickly and was promoted to the UAE Consumer Credit Head in 2001, where he was responsible for managing all consumer credit units. Later, he was appointed as the UAE Head of Distribution, where he managed all of the banks branches across the UAE, before joining Dubai Holding. Fadhel has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences. Encik Fadhel mempunyai pengalaman yang luas dalam industri kewangan. Beliau memulakan kerjayanya yang panjang dengan melakar kejayaan di Citibank sebagai penganalisis kewangan yang menyediakan laporan keberuntungan UAE dan Oman untuk ibu pejabat bank tersebut di New York. Beliau cepat melangkah dari segi kedudukan di dalam syarikat dan dinaikkan pangkat sehingga menjadi Ketua Kredit Pengguna UAE pada tahun 2001, dengan memegang tanggungjawab mengurus semua unit kredit pengguna. Sebelum menyertai Dubai Holding, beliau dilantik sebagai Ketua Pengedaran UAE Citibank, yang memerlukan beliau mengurus kesemua cawangan bank di seluruh UAE. Encik Fadhel tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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Salaam Said Salim Al-Shaksy was appointed as a director of Bank Islam on 28 February 2007. Salaam is currently the Chief Executive Officer of Dubai Banking Group and Dubai Group. He is also the Chairman of Oman National Investment Corporation Holding. Salaam was previously the Chief Executive Officer of Dubai Islamic Investment Group, the global Shariah compliant investment company of Dubai Group.

SALAAM SAID SALIM AL-SHAKSYNon-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan BebasMBA, Financial Services, School of Management, Boston University (USA) MSc MIS, School of Management, Boston University (USA) BA (Economics), College of Liberal Arts, Boston University (USA) MBA, Perkhidmatan Kewangan, Fakulti Pengurusan, Boston University (AS) MSc MIS, Fakulti Pengurusan, Boston University (AS) BA (Ekonomi), College of Liberal Arts, Boston University (AS) Member of Board Risk Committee Ahli Jawatankuasa Risiko Lembaga Pengarah

Salaam Said Salim Al-Shaksy dilantik sebagai pengarah Bank Islam pada 28 Februari 2007. Encik Salaam kini memegang jawatan Ketua Pegawai Eksekutif Dubai Banking Group dan Dubai Group. Beliau juga merupakan Pengerusi Oman National Investment Corporation Holding. Sebelum ini Encik Salaam menyandang jawatan Ketua Pegawai Eksekutif Dubai Islamic Investment Group, syarikat pelaburan Dubai yang berpatuhkan Syariah global.

He has more than 22 years of experience in banking, investments and information technology. Salaam has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Beliau mempunyai pengalaman lebih daripada 22 tahun dalam perbankan, pelaburan dan teknologi maklumat. Encik Salam tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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profile of Board of Directors profil Lembaga pengarah

Ahmed Saeed Sultan Bin Braik was appointed as a director of Bank Islam on 8 June 2007. Ahmed Saeed is currently the Deputy Chief Executive Officer of Majid Al Futtaim Group. He is also Chairman of MAF Greater Union, MAF Dalkia and Vice Chairman of The Wave, Oman.

AHMeD SAeeD SULTAN BIN BrAIKIndependent Non-Executive Director Pengarah Bebas Bukan EksekutifChartered Accountant, Chartered Institute of Accountancy Professionals (UK) Akauntan Berkanun, Chartered Institute of Accountancy Professionals (UK)

Ahmed Saeed Sultan Bin Braik dilantik sebagai pengarah Bank Islam pada 8 Jun 2007. Encik Ahmed Saeed kini memegang jawatan Timbalan Ketua Pegawai Eksekutif Majid Al Futtaim Group. Beliau juga merupakan Pengerusi MAF Greater Union, MAF Dalkia dan Naib Pengerusi The Wave, Oman.

Previously, Ahmed Saeed was the Chief Executive Officer of Citibank, UAE/Oman for 15 years. Ahmed Saeed has no family relationship with any other director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Sebelum ini, Encik Ahmed Saeed pernah memegang jawatan Ketua Pegawai Eksekutif Citibank, UAE/Oman selama 15 tahun. Encik Ahmed Saeed tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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Marwan Hassan Ali Al-Khatib was appointed as director of Bank Islam on 1 January 2009. Marwan is currently the Managing Director of Dubai Islamic Investment Group where he is responsible to tap the growth opportunities within the Islamic investments space with particular focus on the Shariah lifestyle including financial services, halal food, Islamic hospitality and real estate as well as exploring the opportunities in the private and public equity.

MArWAN HASSAN ALI AL-KHATIB Non-Independent Non-Executive Director Pengarah Bukan Eksekutif Bukan BebasMBA (Banking & Finance), Hull University (UK) BA (Business Administration & Computer Science), American University, Cairo (Egypt) MBA (Perbankan & Kewangan), University of Hull (UK) BA (Pentadbiran Perniagaan & Sains Komputer), American University, Kaherah (Mesir) Member of Audit and Examination Committee Member of Nomination and Assessment Committee Member of Remuneration Committee Ahli Jawatankuasa Audit dan Pemeriksaan Ahli Jawatankuasa Pencalonan dan Penilaian Ahli Jawatankuasa Imbuhan

Marwan Hassan Ali Al-Khatib dilantik sebagai pengarah Bank Islam pada 1 Januari 2009. Encik Marwan kini memegang jawatan Pengarah Urusan Dubai Islamic Investment Group yang bertanggungjawab bagi mendapatkan peluang pertumbuhan dalam ruang pelaburan Islam dengan memberi tumpuan khusus pada gaya hidup yang menepati Syariah, termasuk perkhidmatan kewangan, makanan halal, hospitaliti dan harta tanah Islam, di samping menerokai peluang dalam ekuiti swasta dan awam.

Marwan is also the Chairman of Al Fajer Re-Takaful Company (Kuwait) and the Deputy Chairman, Asia Capital Re-Takaful Company (Bahrain). He is also the Board Member of Asia Capital Re-Takaful Company (Malaysia) and National Bonds (UAE). Previously, he was the director of Islamic Banking at Dubai Financial where he was responsible for building the Islamic banking portfolio with particular focus on South East Asia. He had more than 15 years of experience in the fields of corporate finance, audit and risk management, strategic business planning, and corporate banking; with blue-chip companies such as Al-Futtaim Group, Mashreq Bank, Dubai Chamber of Commerce & Deloitte Touche Tohmatsu. Marwan has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Encik Marwan turut memegang jawatan Pengerusi Al Fajer Re-Takaful Company (Kuwait) serta menjadi Timbalan Pengerusi Asia Capital Re-Takaful Company (Bahrain). Beliau juga adalah Ahli Lembaga Pengarah bagi Asia Re-Takaful Company (Malaysia) dan National Bonds (UAE). Sebelum ini, beliau pernah menjadi Pengarah Perbankan Islam di Dubai Financial di mana beliau bertanggungjawab membangunkan portfolio perbankan Islam dengan memberi tumpuan khusus pada Asia Tenggara. Encik Marwan mempunyai pengalaman lebih 15 tahun dalam bidang kewangan korporat, audit dan pengurusan risiko, perancangan perniagaan strategik dan perbankan korporat; dengan syarikat terkemuka seperti Al-Futtaim Group, Mashreq Bank, Dubai Chamber of Commerce & Deloitte Touche Tohmatsu. Encik Marwan tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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proFILe oF SHArIAH SUpervISorY coUNcIL proFIL MAJLIS peNGAWASAN SYArIAH

Dr. Ahmad Shahbari @ Sobri Salamon was first appointed as a member of the Shariah Supervisory Council in 1984. He is currently Executive Chairman of Pusrawi Corporation Sdn Bhd. He was awarded the Tokoh Maal Hijrah Selangor in 2001 and the Tokoh Ulama Bestari Negeri Selangor in 2000. He has been a freelance missionary since 1999.

USTAZ Dr AHMAD SHAHBArI @ SoBrI SALAMoNChairman of the Shariah Supervisory Council Executive Chairman, Pusrawi Corporation Sdn Bhd Pengerusi Majlis Pengawasan Syariah Pengerusi Eksekutif, Pusrawi Corporation Sdn BhdDoctor of Philosophy (Modern Middle Eastern History), New York University, USA Master of Economic, Fairlaigh Dickinson University, USA Bachelor of Shariah, Al-Azhar University, Egypt Doktor Falsafah (Sejarah Timur Tengah Moden), New York University, AS Sarjana Ekonomi, Fairlaigh Dickinson University, AS Sarjana Muda Shariah, Universiti Al-Azhar, Mesir

Dr. Ahmad Shahbari @ Sobri Salamon dilantik sebagai ahli Majlis Penasihat Syariah dari tahun 1984. Kini beliau merupakan Pengerusi Eksekutif Pusrawi Corporation Sdn Bhd. Beliau pernah dianugerahkan Tokoh Maal Hijrah Selangor pada tahun 2001 dan Tokoh Ulama Bestari Negeri Selangor pada tahun 2000. Beliau menjadi pendakwah bebas sejak tahun 1999.

Dr. Ahmad Shahbari had served as a Shariah advisor to Abrar Group (1996-1999), Arab Malaysia Merchant Bank (19961999), Arab Malaysian Finance (1996-1999), Syarikat Takaful Malaysia Berhad (1985-now) and ASEAN ReTakaful International (L) Ltd. He was appointed as the Executive Director of Pusat Rawatan Islam (Majlis Agama Islam Selangor), an office he held from 1996 to 1999 after serving as a Lecturer at the Faculty of Law of the International Islamic University Malaysia (IIUM) for 10 years from 1986. Prior to these, he had served as a Lecturer in the National University of Malaysia (UKM) in the Shariah Department in 1985. From 1983 to 1984, he was seconded to IIUMs Kuliyyah of Economics. He was also the Programme Coordinator for diploma and certificate courses of UKMs Islamic studies until 1983. Whilst with UKM, he also served as the Coordinator for General Teachings from 1981-1982 and subsequently appointed as Acting Head of the Shariah Department in 1982. Dr. Ahmad Shahbaris career began back in 1978 where he served as a Lecturer at the Shariah Department of Faculty of Islamic Studies, UKM. Dr. Ahmad Shahbari has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Dr. Ahmad Shahbari telah berkhidmat sebagai penasihat Syariah bagi Kumpulan Abrar (1996-1999), Arab Malaysia Merchant Bank (1996-1999), Arab Malaysian Finance (19961999), Syarikat Takaful Malaysia Berhad (1985-hingga sekarang) dan ASEAN ReTakaful International (L) Ltd. Beliau dilantik sebagai Pengarah Eksekutif Pusat Rawatan Islam (Majlis Agama Islam Selangor), iaitu jawatan yang disandang dari tahun 1996 hingga 1999 selepas berkhidmat sebagai Pensyarah di Fakulti Undang-Undang Universiti Islam Antarabangsa Malaysia (UIAM) selama 10 tahun dari tahun 1986. Sebelum ini, beliau telah berkhidmat sebagai Pensyarah di Universiti Kebangsaan Malaysia (UKM) di Jabatan Syariah pada tahun 1985. Dari tahun 1983 ke 1984, beliau dipinjamkan ke Kuliyyah Ekonomi UIAM. Beliau juga merupakan Penyelaras Program bagi kursus diploma dan sijil pengajian Islam UKM sehingga tahun 1983. Ketika di UKM, beliau juga berkhidmat sebagai Penyelaras bagi Pengajaran Am dari tahun 1981-1982 dan seterusnya dilantik sebagai Pemangku Ketua Jabatan Syariah pada tahun 1982. Kerjaya Dr. Ahmad Shahbari bermula pada tahun 1978 apabila beliau berkhidmat sebagai Pensyarah di Jabatan Syariah Fakulti Pengajian Islam, UKM. Dr. Ahmad Shahbari tidak mempunyai sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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Ustaz Mohd Bakir Haji Mansor was first appointed as a member of Bank Islams Shariah Supervisory Council (SSC) since 2001. He is currently the Designated Person for Shariah Advisory on Shariah-based Unit Trust Funds as well as Chairman of the Shariah Committee of IBFIM.

USTAZ MoHD BAKIr HAJI MANSorMember of the Shariah Supervisory Council Ahli Majlis Pengawasan SyariahDistinguished Shariah Research Fellow, Centre for Fiqh al-Muamalat, Islamic Banking and Finance Institute of Malaysia (IBFIM), Cambridge Oversea School Certificate Syahadah Ulya (Highest Certificate), Muslim College, Malaysia Fellow Penyelidikan Syariah Cemerlang, Pusat bagi Fiqh al-Muamalat, Institut Perbankan dan Kewangan Islam Malaysia (IBFIM), Cambridge Oversea School Certificate Syahadah Ulya (Sijil Tertinggi), Kolej Islam, Malaysia

Ustaz Mohd Bakir Haji Mansor dilantik sebagai ahli Majlis Pengawasan Syariah (MPS) Bank Islam semenjak tahun 2001. Beliau kini merupakan Individu yang Dilantik sebagai Penasihat Syariah bagi Dana Amanah Saham berasaskan Syariah dan juga Pengerusi Jawatankuasa Syariah IBFIM.

Prior to his appointment as a member of SSC, Ustaz Mohd Bakir had already served as the Shariah Coordinator for Bank Islam cum Secretary of the SSC, a post he has held since 1984. Previously, he was one of the Chief Assistant Directors at the Islamic Research Centre in the Prime Ministers Department for four years from 1980. He had also served at the National Council for Islamic Religious Affairs in the Prime Ministers Department for 10 years from 1971. Ustaz Mohd Bakir had also served as a member of the Shariah Advisory Body of Syarikat Takaful Malaysia Berhad and ASEAN ReTakaful International (L) Ltd. Ustaz Mohd Bakir Haji Mansor has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Sebelum pelantikan sebagai Ahli MPS, Ustaz Mohd Bakir telah berkhidmat sebagai Penyelaras Syariah bagi Bank Islam merangkap Setiausaha MPS, iaitu jawatan yang disandang beliau sejak tahun 1984. Sebelum ini, beliau merupakan salah seorang Ketua Penolong Pengarah di Pusat Penyelidikan Islam di Jabatan Perdana Menteri selama empat tahun dari tahun 1980. Beliau juga telah berkhidmat di Majlis Kebangsaan bagi Hal-Ehwal Agama Islam di Jabatan Perdana Menteri selama 10 tahun dari tahun 1971. Ustaz Mohd Bakir juga telah berkhidmat sebagai ahli Badan Penasihat Syariah Syarikat Takaful Malaysia Berhad dan ASEAN ReTakaful International (L) Ltd. Ustaz Mohd Bakir tidak mempunyai hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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profile of Shariah Supervisory council profil Majlis pengawasan Syariah

YAA Dato Haji Daud Muhammad was first appointed as a member of the Shariah Supervisory Council in 2005. He is currently the Sharie Chief of Justice of the state of Kelantan upon his appointment in 1989 after having served as the Vice Chief Judge for a year.

YAA DATo HAJI DAUD MUHAMMADMember of the Shariah Supervisory Council Sharie Chief of Justice, Kelantan Ahli Majlis Pengawasan Syariah Ketua Hakim Syarie, KelantanBachelor of Shariah, Al-Azhar University, Egypt Diploma in Library Management, Al-Azhar University, Egypt Sarjana Muda Syariah, Universiti Al-Azhar, Mesir Diploma dalam Pengurusan Perpustakaan, Universiti Al-Azhar, Mesir

YAA Dato Haji Daud Muhammad dilantik sebagai ahli Majlis Pengawasan Syariah pada tahun 2005. Beliau kini merupakan Ketua Hakim Syarie Negeri Kelantan yang dilantik sejak tahun 1989 selepas berkhidmat sebagai Timbalan Ketua Hakim selama setahun.

From 1980 to 1988, he had held the position of Head of the Religious Supervisory and Shariah Criminal Prosecutor after having served as a Special Qadhi (judge) in 1979. The journey of his judiciary career began back in 1969 where he was first appointed as a Qadhi in Kota Bharu, Kelantan. Prior to the appointment, he was an Inspectorate (Nazir) to religious teachers of national schools for the Kelantan State Government in 1965. YAA Dato Haji Daud has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Dari tahun 1980 hingga 1988, beliau menyandang jawatan Ketua Penasihat Agama dan Pendakwa Jenayah Syariah selepas berkhidmat sebagai Kadi Khas pada tahun 1979. Perjalanan kerjaya kehakiman beliau bermula pada tahun 1969 dengan pelantikan pertama beliau sebagai Kadi di Kota Bharu, Kelantan. Sebelum pelantikan itu, pada tahun 1965, beliau pernah menjadi Nazir kepada guru-guru agama sekolah kebangsaan bagi Kerajaan Negeri Kelantan. YAA Dato Haji Daud tidak mempunyai sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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Associate Professor Dr. Yusof Ramli was first appointed as a member of the Shariah Supervisory Council in 2005. Currently, Dr. Mohd Yusof is a Lecturer at the Centre of Islamic Thoughts and Understanding, MARA University of Technology. He had also served as Shariah Panel of BIMB Investment Management Berhad (previously known as BUTM) since 2008.

ASSocIATe proFeSSor Dr. YUSoF rAMLIMember of the Shariah Supervisory Council Lecturer, Centre of Islamic Thoughts and Understanding, MARA University of Technology Ahli Majlis Pengawasan Syariah Pensyarah, Pusat Pemikiran dan Kefahaman Islam, Universiti Teknologi MARADoctor of Philosophy (Islamic Commercial Laws), University of Malaya Master of Shariah (Faraid and Administration of Muslim Inheritance), National University of Malaysia, Bachelor of Shariah, National University of Malaysia Doktor Falsafah (Undang-undang Komersial Islam), Universiti Malaya Sarjana Syariah (Faraid dan Pentadbiran Pewarisan Islam), Universiti Kebangsaan Malaysia, Sarjana Muda Syariah, Universiti Kebangsaan Malaysia

Profesor Madya Dr. Yusof Ramli dilantik sebagai ahli Majlis Pengawasan Syariah pada tahun 2005. Kini, beliau merupakan Pensyarah di Pusat Pemikiran dan Kefahaman Islam, Universiti Teknologi MARA. Beliau juga telah berkhidmat sebagai Panel Syariah BIMB Investment Management Berhad (sebelum ini dikenali sebagai BUTM) sejak tahun 2008.

His career began as a religious teacher and Religious Administrative Officer for Selangor Religious Department. Associate Professor Dr. Yusof has no family relationship with any director and/or major shareholder of Bank Islam. He has no conflict of interest with Bank Islam and neither has he been charged with any offences.

Beliau memulakan kerjaya sebagai guru agama dan Pegawai Pentadbiran Agama di Jabatan Agama Islam Selangor. Profesor Madya Dr. Yusof tiada sebarang hubungan kekeluargaan dengan mana-mana pengarah dan/atau pemegang saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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profile of Shariah Supervisory council profil Majlis pengawasan Syariah

Ustaz Mohd Izwadi was first appointed as Secretary to the Shariah Supervisory Council in May 2009. Currently, he is an Acting Head at the Shariah Department.

MoHD IZWADI MAT HASSANActing Head/Secretary, Shariah Department, Bank Islam Malaysia Berhad Pemangku Ketua/Setiausaha, Jabatan Syariah, Bank Islam Malaysia Berhad

Ustaz Mohd Izwadi dilantik sebagai Setiausaha bagi Majlis Pengawasan Syariah pada bulan Mei 2009. Beliau kini berkhidmat sebagai Pemangku Ketua di Jabatan Syariah.

Prior to joining Bank Islam, he Sebelum menyertai Bank Islam, Bachelor of Shariah (Management), University of Malaya was Secretary to the Shariah beliau memegang jawatan Capital Market Graduate Training Scheme, Securities Commission Committee and the Islamic Setiausaha kepada Sarjana Muda Syariah (Pengurusan), Universiti Malaya Banking Scheme Committee Jawatankuasa Syariah dan Skim Latihan Siswazah Pasaran Modal, Suruhanjaya Sekuriti of Bank Simpanan Nasional Jawatankuasa Skim Perbankan (BSN)s Islamic Banking Islam, Jabatan Perbankan Department after having served Islam Bank Simpanan Nasional BSN from April 2005 to August 2006 as a Shariah Officer. (BSN) setelah berkhidmat sebagai Pegawai Syariah dengan Prior to BSN, Mohd Izwadi was appointed as the Secretary BSN dari bulan April 2005 hingga bulan Ogos 2006. Sebelum to Shariah Advisor at Abrar Discounts Berhad (ADB) upon menyertai BSN, beliau pernah memegang jawatan Setiausaha completing his training and apprenticeship programme from bagi Penasihat Syariah di Abrar Discounts Berhad (ADB) October 2004 to September 2005 under the Securities dari bulan Oktober 2004 hingga September 2005 di bawah Commissions Capital Market Graduate Training Scheme Skim Latihan Siswazah Pasaran Modal Suruhanjaya Sekuriti (CMGTS). (CMGTS), sebaik sahaja beliau menamatkan program latihan dan perantisannya. Ustaz Mohd Izwadi has no family relationship with any director and/or major shareholder of Bank Islam. He has no Ustaz Mohd Izwadi tidak mempunyai sebarang hubungan conflict of interest with Bank Islam and neither has he been kekeluargaan dengan mana-mana pengarah dan/atau charged with any offences. pemegangan saham utama Bank Islam. Beliau juga tiada konflik kepentingan dengan Bank Islam dan tidak pernah disabitkan dengan sebarang kesalahan.

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BANK ISLAM

orGANISATIoN cHArT cArTA orGANISASI

Managing Director Pengarah Urusan Dato Sri Zukri Samat

Internal Audit Audit Dalaman risk Management Pengurusan Risiko

Human resources Sumber Manusia

Managing Directors office* Pejabat Pengarah Urusan

Shariah Syariah

Business Perniagaan

chief Financial officer Ketua Pegawai Kewangan

chief Technology officer Ketua Pegawai Teknologi

corporate Services Perkhidmatan Korporat

Corporate Investment Banking Perbankan Pelaburan Korporat Treasury Perbendaharaan

Finance Kewangan

Information Technology Teknologi Maklumat Program Management Office Pejabat Pengurusan Program

Transaction Services # Perkhidmatan Urus Niaga Corporate Communications Komunikasi Korporat Legal & Secretarial Perundangan & Sekretariat

Recovery & Rehabilitation Pemulihan & Rehabilitasi General Administration Pentadbiran Am Valuation Penilaian

Commercial Banking Perbankan Komersil Consumer Banking Perbankan Pengguna

*

Managing Directors Officer comprises Strategic Relations, Corporate Advisory & Transformation and Corporate Strategy & Network Planning. Pejabat Pengarah Urusan merangkumi Perhubungan Strategik, Penasihat Korporat & Transformasi dan Strategi Korporat & Perancangan Rangkaian. Transaction Services Division comprises Cash Management, Credit Administration, Head Office Service Delivery, Trade Services, Trade Operations, Correspondent Banking & Channel Management (Branch Operations & Branch Performance). Bahagian Perkhidmatan Urus Niaga terdiri daripada Pengurusan Tunai, Pentadbiran Kredit, Pemberian Khidmat Ibu Pejabat, Perkhidmatan Perdagangan, Operasi Perdagangan, Perbankan Koresponden & Pengurusan Saluran (Operasi Cawangan & Prestasi Cawangan)

#

BANK ISLAM

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MANAGeMeNT MeMBerS AHLI-AHLI peNGUrUSAN

MANAGING DIrecTor oF BANK ISLAM / peNGArAH UrUSAN BANK ISLAM

Dato Sri Zukri Samat

MANAGING DIrecTorS oFFIce / peJABAT peNGArAH UrUSANRight to Left/ Dari Kanan Ke Kiri

Dato Wan Ismail Wan Yusoh General Manager, Strategic Relations / Pengurus Besar, Perhubungan Strategik Hizamuddin Jamalluddin Assistant General Manager, Corporate Advisory & Transformation / Penolong Pengurus Besar, Penasihat Korporat & Transformasi Zuraimy Mohd Akhir Assistant General Manager, Corporate Strategy & Network Planning / Penolong Pengurus Besar, Strategi Korporat & Perancangan Rangkaian

BUSINeSS UNITS / UNIT perNIAGAANLeft to Right / Dari Kiri Ke Kanan

Khairul Kamarudin General Manager, Consumer Banking / Pengurus Besar, Perbankan Pengguna Abdul rashid Abdul Hamid Acting Head, Commercial Banking / Pemangku Ketua, Perbankan Komersil Mashitah Hj osman Director, Corporate Investment Banking / Pengarah, Perbankan Pelaburan Korporat Norashikin Mohd Kassim General Manager, Treasury / Pengurus Besar, Perbendaharaan

38

BANK ISLAM

SUpporT ServIceS / perKHIDMATAN SoKoNGANLeft to Right / Dari Kiri Ke Kanan

Malkit Singh Maan Chief Financial Officer / Ketua Pegawai Kewangan ryan Liew choon ching Chief Technology Officer / Ketua Pegawai Teknologi Mizan Masram Assistant General Manager, Recovery & Rehabilitation / Penolong Pengurus Besar, Pemulihan & Rehabilitasi Jamilah Abdul Sallam General Manager, Human Resources / Pengurus Besar, Sumber Manusia Azizah Abdul Aziz Assistant General Manager, General Administration / Penolong Pengurus Besar, Pentadbiran Am

corporATe ServIceS / perKHIDMATAN KorporATLeft to Right / Dari Kiri Ke kanan

Jaafar Abu Chief Business Support Officer / Ketua Pegawai Sokongan Perniagaan Anis Zuhani Ahmad Assistant General Manager, Corporate Communications / Penolong Pengurus Besar, Komunikasi Korporat Maria Mat Said Assistant General Manager, Legal & Secretarial / Penolong Pengurus Besar, Perundangan & Sekretariat

INDepeNDeNT UNITS / UNIT-UNIT BeBASLeft to Right / Dari Kiri Ke kanan

Jeroen p.M.M. Thijs Chief Risk Officer / Ketua Pegawai Risiko Mohd Izwadi Mat Hassan Acting Head, Shariah Department / Pemangku Ketua, Jabatan Syariah Wahid Ali Mohd Khalil Chief Internal Auditor / Ketua Audit Dalaman

BANK ISLAM

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proFILe oF MANAGeMeNT TeAM proFIL peNGUrUSAN

DATo WAN ISMAIL WAN YUSoHGeneral Manager, Strategic Relations, Managing Directors Office / Pengurus Besar, Perhubungan Strategik, Pejabat Pengarah Urusan Holder of a Masters degree in Mathematics from Indiana State University, USA, joined Bank Islam since its inception in 1983. Dato Wan Ismail has 26 years of Islamic banking experience; he was appointed to the present post in 2008 and currently assists the Managing Director in managing the Banks strategic marketing and business intelligence. Pemegang ijazah Sarjana Matematik daripada Indiana State University Amerika Syarikat, beliau menyertai Bank Islam sejak ia mula ditubuhkan pada tahun 1983. Beliau memiliki 26 tahun pengalaman dalam bidang perbankan Islam; dilantik untuk menyandang jawatan ini pada tahun 2008 dan kini membantu Pengarah Urusan mengurus perisikan pemasaran dan perniagaan strategik Bank.

HIZAMUDDIN JAMALLUDDINAssistant General Manager, Corporate Advisory & Transformation / Penolong Pengurus Besar, Penasihat Korporat & Transformasi Holder of a Bachelor of Science in Finance from Northern Illinois University of USA, Encik Hizamuddin is responsible for corporate advisory, transformation initiatives, business and capital planning, strategic investments and stakeholders management of the Bank. He joined Bank Islam in 2007 and has 15 years of experience in corporate finance and strategic planning. Pemegang ijazah Sarjana Muda Sains Kewangan daripada Northern Illinois University, Amerika Syarikat, Encik Hizamuddin bertanggungjawab ke atas khidmat nasihat korporat, inisiatif transformasi, perancangan perniagaan dan modal, p