isi kandungan penyata kewangan contents of financial ......pengurusan yang selaras dengan...

Laporan Para Pengarah Bagi Tahun Kewangan Berakhir30 Jun 2006

Penyata Para Pengarah Berdasarkan Seksyen 169(15) Akta Syarikat, 1965

Pengisytiharan Berkanun Berdasarkan Seksyen 169(16) Akta Syarikat, 1965

Laporan Juruaudit Kepada Para Ahli Syarikat Takaful Malaysia Berhad

Laporan Badan Penasihat Syariah Kunci Kira-kira Pada 30 Jun 2006

Penyata Pendapatan Bagi Tahun Berakhir 30 Jun 2006

Penyata Perubahan Ekuiti Bagi Tahun Berakhir 30 Jun 2006

Kunci Kira-kira Takaful Keluarga Pada 30 Jun 2006

Akaun Hasil Takaful Keluarga Bagi Tahun Berakhir 30 Jun 2006

Kunci Kira-kira Takaful AmPada 30 Jun 2006

Akaun Hasil Takaful Am Bagi Tahun Berakhir 30 Jun 2006

Penyata Aliran Tunai Bagi Tahun Berakhir 30 Jun 2006

Nota-nota Kepada Penyata Kewangan

87-91

92

93

94

95

96

97

98-99

100

101-102

103

104-107

108-110

111-162

Directors’ Report For TheFinancial Year Ended30 June 2006

Statement By Directors Pursuant To Section 169(15) Of The Companies Act, 1965

Statutory Declaration Pursuant To Section 169(16) Of The Companies Act, 1965

Report Of The Auditors To The Members Of Syarikat Takaful Malaysia Berhad

Report Of The Shariah Advisory Body

Balance Sheet As At 30 June 2006

Income Statement For The Year Ended 30 June 2006

Statement Of Changes In Equity For The Year Ended 30 June 2006

Family Takaful Balance SheetAs At 30 June 2006

Family Takaful Revenue Account For The Year Ended 30 June 2006

General Takaful Balance Sheet As At 30 June 2006

General Takaful Revenue Account For The Year Ended 30 June 2006

Cash Flow Statement For The Year Ended 30 June 2006

Notes To The Financial Statements

163-167

168

169

170

171

172

173

174-175

176

177-178

179

180-183

184-186

187-237

Isi Kandungan Penyata KewanganContents Of Financial Statements

87 | Takaful Malaysia 2006

Syarikat Takaful Malaysia Berhad (No. Syarikat 131646-K) (Diperbadankan di Malaysia) dan anak-anak syarikatnya.

Laporan Para PengarahBagi Tahun Kewangan Berakhir 30 Jun 2006

Para Pengarah dengan sukacitanya membentangkan laporan mereka dan penyata kewangan Kumpulan dan Syarikat yang telah diaudit bagi tahun kewangan berakhir 30 Jun 2006.

Kegiatan-kegiatan Utama

Kegiatan-kegiatan utama Syarikat adalah mengendalikan perniagaan takaful keluarga dan takaful am, manakala kegiatan-kegiatan utama anak-anak syarikat adalah seperti yang dinyatakan di Nota 3 pada penyata kewangan. Tiada sebarang perubahan yang ketara di dalam kegiatan-kegiatan utama di sepanjang tahun kewangan.

Hasil Kumpulan Syarikat RM’000 RM’000

Keuntungan bersih bagi tahun semasa 33,362 28,024

Rizab dan Peruntukan

Tiada pindahan penting kepada atau daripada rizab dan peruntukan di sepanjang tahun kewangan dalam kajian.

Dividen

Sejak akhir tahun kewangan yang lalu, Syarikat telah membayar dividen akhir sebanyak 7.5% selepas cukai berjumlah RM8,242,722 pada 28 Disember 2005 bagi tahun berakhir 30 Jun 2005. Dividen akhir yang disyorkan oleh Para Pengarah bagi tahun kewangan berakhir 30 Jun 2006 adalah 8.5% selepas cukai berjumlah RM9,341,752. Para Pengarah Syarikat

Para Pengarah yang berkhidmat sejak dari tarikh laporan yang terakhir ialah:- Dato’ Ahmad Tajudin Abdul Rahman (bersara pada 1.12.2005) Dato’ Tengku Hassan Tengku Omar (bersara pada 1.12.2005) Haji Taib Rasak Dato’ Mohd Fadzli Yusof Dato’ Sri Wan Abdul Wahid Wan Hassan Dato’ Ahmad Maher Abdul Manan Datuk Siti Maslamah Osman (letak jawatan pada 31.3.2006) Haji Md Azmi Abu Bakar (dilantik pada 15.9.2005) Dato’ Noorazman A. Aziz (dilantik pada 1.12.2005) Dato’ Alwi Muhamad (dilantik pada 1.12.2005) Encik Mohamed Hassan Md. Kamil (dilantik pada 1.9.2006)

Selaras dengan Seksyen 62, Tataurusan Pertubuhan Syarikat, Dato’ Mohd Fadzli Yusof dan Haji Md Azmi Abu Bakar bersara pada Mesyuarat Agung Tahunan yang akan datang dan, kerana layak, menawarkan diri mereka untuk dilantik semula.

Selaras dengan Seksyen 66A, Tataurusan Pertubuhan Syarikat, Dato’ Noorazman A. Aziz, Dato’ Alwi Muhamad and Encik Mohamed Hassan Md. Kamil bersara pada Mesyuarat Agung Tahunan yang akan datang dan, kerana layak, menawarkan diri mereka untuk dilantik semula.



Laporan Para PengarahBagi Tahun Kewangan Berakhir 30 Jun 2006 (bersambung)

Kepentingan Para Pengarah

Berdasarkan Daftar Pemegangan Saham Para Pengarah, Para Pengarah yang berkhidmat pada akhir tahun kewangan semasa yang mempunyai kepentingan dalam bentuk saham Syarikat dan perbadanan berkait adalah seperti berikut:

Bilangan saham biasa Pada Pada 1.7.2005/ Dibeli Dijual 30.6.2006 Tarikh Perlantikan

Syarikat Takaful Malaysia Berhad

Dato’ Mohd Fadzli Yusof 25,800 - - 25,800 Haji Md Azmi Abu Bakar 9,600 - - 9,600

BIMB Holdings Berhad

Dato’ Mohd Fadzli Yusof 21,000 - - 21,000

Harga Pada Di- Di- Pada opsyen 1.7.2005 benarkan laksanakan 30.6.2006


Dato’ Mohd Fadzli Yusof 1.20 200,000 - - 200,000 Haji Md Azmi Abu Bakar 1.20 85,000 - - 85,000

Para Pengarah lain yang memegang jawatan pada 30 Jun 2006 tidak mempunyai sebarang kepentingan di dalam saham biasa Syarikat dan perbadanan berkait di sepanjang tahun kewangan.

Manfaat kepada Para Pengarah

Sejak akhir tahun kewangan yang lalu, tiada Pengarah Syarikat yang telah menerima atau berhak menerima sebarang manfaat (selain dari manfaat yang termasuk di dalam ganjaran diterima atau akan diterima oleh Para Pengarah seperti yang dicatatkan dalam penyata kewangan) disebabkan dari perjanjian yang telah dibuat oleh Syarikat atau syarikat berkait dengan Pengarah atau dengan fi rma di mana Pengarah adalah seorang ahli, atau dengan syarikat di mana Pengarah mempunyai kepentingan kewangan yang ketara.

Tiada sebarang urusan yang dibuat di sepanjang dan di akhir tahun kewangan yang mempunyai matlamat membolehkan Para Pengarah mendapat manfaat melalui pengambilalihan saham atau debentur dalam Syarikat atau sebarang perbadanan yang lain selain dari Skim Opsyen Saham Kakitangan Syarikat dan syarikat induk.

Terbitan Saham

Tiada sebarang perubahan pada modal diterbit dan berbayar Syarikat semasa tahun kewangan.

Pemberian opsyen saham-saham belum diterbitkan

Tiada sebarang opsyen ditawarkan kepada sesiapa untuk mendapatkan saham-saham Syarikat yang belum diterbitkan di sepanjang tahun ini, selain daripada opsyen-opsyen yang diterbitkan oleh Skim Opsyen Saham Kakitangan Syarikat dan syarikat induk.

Pada Mesyuarat Agung Luarbiasa yang diadakan pada 28 Jun 2003, para pemegang saham Syarikat telah

Bilangan opsyen ke atas saham biasa bernilai RM1.00 setiap satu



meluluskan pembentukan Skim Opsyen Saham Kakitangan yang tidak melebihi 10% daripada modal diterbit Syarikat kepada Para Pengarah dan kakitangan Kumpulan yang layak, kecuali syarikat-syarikat yang tidak aktif dan tidak diperbadankan di Malaysia.

Opsyen yang ditawarkan untuk pengambilan saham-saham biasa yang belum diterbit bernilai RM1.00 setiap satu dan harga opsyen adalah seperti berikut:

Bilangan opsyen ke atas saham biasa bernilai RM1.00 setiap satu Baki Baki Tarikh Harga Pada Di Di Di Pada Tawaran opsyen 1.7.2005 benarkan laksanakan batalkan 30.6.2006

31.10.2003 RM1.20 12,895,000 - - (266,000) 12,629,000

Ciri-ciri penting skim ini adalah seperti berikut:

i) Kakitangan yang layak adalah mereka yang telah disahkan secara bertulis sebagai kakitangan Kumpulan (kecuali anak-anak syarikat yang tidak aktif dan tidak diperbadankan di Malaysia) untuk sekurang-kurangnya satu tahun sebelum tarikh tawaran.

ii) Opsyen adalah peribadi kepada penerima opsyen dan tidak boleh dipindahmilik.

iii) Harga opsyen ditentukan dari purata pertengahan penyiaran pasaran saham biasa Syarikat sebagaimana ditunjukkan di dalam senarai rasmi harian yang dikeluarkan oleh Bursa Malaysia dalam masa lima hari urusniaga sebelum tarikh tawaran bertulis kepada penerima opsyen atau pada nilai tara saham biasa Syarikat, mana-mana yang lebih tinggi.

iv) Opsyen-opsyen yang dibenarkan boleh dilaksanakan pada bila-bila masa sepanjang tempoh lima tahun dari tarikh tawaran opsyen atau untuk jangkamasa yang lebih pendek sebagaimana terkandung di dalam tawaran setelah pemberian notis bertulis.

v) Opsyen-opsyen yang dibenarkan boleh dilaksanakan sepenuhnya atau kurang daripada bilangan saham biasa yang ditawarkan, dengan syarat bilangannya tidak kurang daripada 1,000 saham baru dan tidak melebihi sepuluh peratus (10%) saham-saham yang dibenarkan di bawah skim ini.

Pengawasan Korporat

(a) Tanggungjawab Lembaga Pengarah

Lembaga Pengarah bertanggungjawab sepenuhnya bagi mengawasi sumber-sumber Syarikat dengan baik, mencapai objektif-objektif korporat dan warga korporat yang baik dan melaksanakan tanggungjawab ini dengan mematuhi Akta Takaful (Pindaan) 1984, dan Garis Panduan Bank Negara Malaysia untuk Tugas-tugas dan Tanggungjawab Para Pengarah dan Ketua Eksekutif Syarikat Insurans (JPI/GPI 1) dan Rangkakerja Penguruskawalan Korporat Syarikat Insurans (JPI/GPI 25) dan lain-lain garis panduan, di samping pengamalan penguruskawalan korporat lain yang baik.

Lembaga Pengarah terdiri daripada tujuh Pengarah bukan eksekutif dan seorang pengarah eksekutif selepas persaraan Dato’ Ahmad Tajudin Abdul Rahman, Dato’ Tengku Hassan Tengku Omar, perletakan jawatan Datuk Siti Maslamah Osman dan perlantikan Encik Mohamed Hassan Md Kamil bertujuan untuk memastikan isu-isu dipertimbangkan dengan seimbang dan objektif, kerana ini membantu untuk mencapai keputusan yang optimal, dan seorang pengarah eksekutif yang membantu di dalam proses membuat keputusan dengan menyediakan maklumat-maklumat pentadbiran dan operasi bagi isu-isu yang dibentangkan kepada Lembaga Pengarah.

(b) Kebertanggungjawaban Pengurusan

Syarikat mempunyai struktur organisasi yang menunjukkan kesemua struktur laporan dan dokumentasi penghuraian kerja-kerja yang jelas untuk pihak pengurusan dan kakitangan eksekutif.




Had-had kuasa yang diluluskan oleh Lembaga Pengarah dinyatakan dengan jelas dan disediakan kepada semua kakitangan.

(c) Kebebasan Korporat

Semua urusniaga ketara dengan pihak yang berkaitan telah dinyatakan di Nota 31 kepada penyata kewangan.

(d) Kawalan Dalaman dan Pengurusan Risiko Operasi

Para Pengarah bertanggungjawab untuk membentuk pengurusan risiko dan sistem kawalan dalaman yang efektif.

Syarikat melakukan proses berterusan untuk mengenalpasti, menilai dan mengurus risiko-risiko ketara yang dihadapi oleh Syarikat menerusi fungsi-fungsi pengurusan yang berkaitan dan kawalan dalaman, meliputi had-had risiko operasi untuk kesemua aktiviti-aktiviti utama. Syarikat telah membentuk kawalan dalaman yang merangkumi semua lapisan kakitangan dan proses perniagaan untuk memastikan operasi Syarikat berjalan dengan efektif dan cekap di samping menjaga aset-aset Syarikat dan pihak-pihak yang mempunyai kepentingan dalam Syarikat.

Penilaian berterusan ke atas keberkesanan dan kecukupan kawalan dalaman, yang merangkumi pemeriksaan bebas kawalan oleh fungsi audit dalaman, memastikan pembetulan di mana perlu, diambil dengan segera. Laporan audit dalaman akan dibentangkan pada mesyuarat Jawatankuasa Audit yang pertama dijadualkan selepas tarikh penerimaan laporan tersebut. Fungsi audit dalaman melapor terus kepada Para Pengarah menerusi Jawatankuasa Audit, dan penemuan dan cadangan dikomunikasikan ke pihak pengurusan dan semua peringkat kakitangan yang berkenaan.

(e) Kebertanggungjawaban Awam

Sebagai penjaga kepada Kumpulanwang awam, urusniaga Syarikat dengan pihak umum sentiasa dilaksanakan secara adil, jujur dan professional.

(f) Laporan Kewangan

Syarikat telah mematuhi kesemua keperluan yang ditetapkan dan mengamalkan amalan pengurusan yang selaras dengan prinsip-prinsip yang ditetapkan di bawah JPI/GPI 25: Rangkakerja Penguruskawalan Korporat Syarikat Insurans yang diterbitkan oleh BNM.

Maklumat-maklumat Berkanun Lain

Sebelum penyata kewangan Kumpulan dan Syarikat disediakan, Para Pengarah telah mengambil langkah-langkah yang munasabah bagi memastikan bahawa:

i) kesemua hutang lapuk yang diketahui telah dihapus kira dan peruntukan yang cukup telah dibuat untuk hutang ragu;

ii) semua harta semasa telah dinyatakan pada nilai terendah di antara kos dan nilai boleh diperolehi; dan

iii) terdapat peruntukan yang mencukupi bagi tuntutan dibuat, termasuk tuntutan yang berlaku tetapi belum dilaporkan (“IBNR”).

Pada tarikh laporan ini, Para Pengarah tidak menyedari wujudnya keadaan-keadaan:

i) yang mungkin menyebabkan jumlah hutang yang dihapus kira atau peruntukan hutang ragu Kumpulan dan Syarikat tidak mencukupi; atau

ii) yang akan menyebabkan nilai yang diberi kepada harta-harta semasa dalam Kumpulan dan Syarikat mengelirukan; atau




iii) yang akan menyebabkan dengan mematuhi kaedah menilai harta-harta dan tanggungan-tanggungan Kumpulan dan Syarikat yang digunakan sekarang mengelirukan atau tidak sesuai; atau

iv) selain daripada yang telah diambilkira dalam laporan atau penyata kewangan Kumpulan dan Syarikat ini, yang akan menyebabkan jumlah-jumlah yang dinyatakan dalam penyata kewangan Kumpulan dan Syarikat mengelirukan.

Pada tarikh laporan ini, tidak ada:

i) sebarang harta Kumpulan atau Syarikat yang telah dicagar sejak akhir tahun kewangan ini dan telah menjadi sandaran bagi tanggungan-tanggungan pihak lain; atau

ii) sebarang tanggungan luarjangka yang berhubung dengan Kumpulan atau Syarikat sejak akhir tahun kewangan ini.

Tiada tanggungan luarjangka atau tanggungan-tanggungan lain bagi sebarang syarikat dalam Kumpulan ini yang akan berkuatkuasa, atau mungkin akan dikuatkuasakan dalam tempoh dua belas bulan selepas akhir tahun kewangan ini yang pada pendapat Para Pengarah, akan atau mungkin akan memberi kesan yang mendalam terhadap keupayaan Kumpulan dan Syarikat untuk menyelesaikan tanggungan apabila tiba masanya.

Pada pendapat Para Pengarah, keputusan dari operasi Kumpulan dan Syarikat bagi tahun kewangan berakhir 30 Jun 2006 tidak dipengaruhi secara berkesan oleh sebarang perkara, urusniaga atau kejadian yang penting dan luarbiasa dan tiada sebarang perkara, urusniaga atau kejadian yang penting dan luarbiasa berlaku dalam tempoh di antara akhir tahun kewangan sehingga tarikh laporan ini.

Juruaudit

Juruaudit, Tetuan KPMG Desa Megat & Co., telah menyatakan kesanggupan mereka menerima perlantikan semula.

Ditandatangani mengikut ketetapan Para Pengarah:

…………………………………………………………Taib Rasak

…………………………………………………………Md. Azmi Abu Bakar

Kuala Lumpur,

Tarikh: 22 September 2006

Laporan Para PengarahBagi Tahun Kewangan Berakhir 30 Jun 2006 (sambungan)



Penyata Para Pengarah berdasarkanSeksyen 169(15) Akta Syarikat, 1965

Pada pendapat Para Pengarah, penyata kewangan yang dibentangkan pada muka surat 96 hingga 162 telah disediakan mengikut peruntukan Akta Syarikat, 1965 dan piawaian-piawaian perakaunan berkenaan yang telah diluluskan di Malaysia, diubahsuai untuk mematuhi Hukum-Hukum Syarak, supaya memberi gambaran yang benar dan saksama tentang kedudukan Kumpulan dan Syarikat pada 30 Jun 2006 dan keputusan dari operasi serta aliran tunai bagi tahun berakhir pada tarikh tersebut.

Ditandatangani mengikut ketetapan Para Pengarah:

…………………………………………………………Taib Rasak

…………………………………………………………Md. Azmi Abu Bakar

Kuala Lumpur,




Saya, Mohamad Asri Haji Yusoff, pegawai yang terutama yang bertanggungjawab di atas pengurusan kewangan dan rekod perakaunan Syarikat Takaful Malaysia Berhad, dengan ikhlas berikrar bahawa penyata kewangan yang dibentangkan di muka surat 96 hingga 162 adalah, sebaik-baik pengetahuan dan kepercayaan saya, betul dan saya membuat ikrar ini dengan penuh kepercayaan bahawa ianya benar, dan menurut peruntukan-peruntukan Akta Akuan Berkanun, 1960.

Ditandatangani dan diikrarkan oleh Mohamad Asri Haji Yusoff di Kuala Lumpur pada 22 September 2006.

…………………………………………………………Mohamad Asri Haji Yusoff

Di hadapan saya:

Pengisytiharan Berkanun BerdasarkanSeksyen 169(16) Akta Syarikat, 1965



Laporan Juruaudit Kepada Para AhliSyarikat Takaful Malaysia Berhad

Kami telah mengaudit penyata kewangan yang dibentangkan di muka surat 96 hingga 162. Penyediaan penyata kewangan adalah tanggungjawab Para Pengarah Syarikat.

Adalah menjadi tanggungjawab kami untuk membuat pendapat bebas kami ke atas penyata kewangan tersebut berdasarkan audit kami dan untuk melaporkan pendapat kami kepada anda, sebagai suatu badan, berdasarkan Seksyen 174 Akta Syarikat, 1965 dan bukan untuk tujuan-tujuan yang lain. Kami tidak menerima tanggungjawab terhadap mana-mana pihak lain tentang kandungan laporan ini.

Kami telah menjalankan pengauditan mengikut Piawaian-Piawaian Pengauditan yang telah diluluskan di Malaysia. Piawaian-piawaian tersebut memerlukan kami merancang dan melaksanakan pengauditan untuk mengumpul semua maklumat dan penjelasan di mana kami merasakan perlu untuk melengkapkan kami dengan bukti untuk memberi jaminan yang wajar bahawa penyata kewangan adalah bebas dari salah nyata yang penting. Audit merangkumi pemeriksaan, berasaskan ujian, bukti yang berkaitan kepada jumlah dan pendedahan di dalam penyata kewangan. Audit juga termasuk penilaian terhadap prinsip-prinsip perakaunan yang digunakan dan anggaran-anggaran penting yang dibuat oleh Para Pengarah, beserta dengan penilaian yang menyeluruh terhadap kecukupan maklumat yang dibentangkan di dalam penyata kewangan. Kami percaya pengauditan kami memberi asas yang wajar terhadap pendapat kami.

Pada pendapat kami:

(a) penyata kewangan telah disediakan mengikut peruntukan Akta Syarikat, 1965, dan piawaian-piawaian perakaunan yang telah diluluskan di Malaysia, diubahsuai untuk mematuhi Hukum-Hukum Syarak, untuk memberi gambaran yang benar dan saksama terhadap:

i) kedudukan hal ehwal urusan Kumpulan dan Syarikat pada 30 Jun 2006 dan penghasilan dari operasi serta aliran tunai bagi tahun berakhir pada tarikh tersebut; dan

ii) perkara-perkara yang dikehendaki di bawah Seksyen 169, Akta Syarikat, 1965 yang perlu diambilkira dalam penyata kewangan Kumpulan dan Syarikat; dan

(b) rekod-rekod perakaunan dan lain-lain rekod dan termasuk daftar-daftar, yang dikehendaki oleh Akta Syarikat, 1965, supaya disimpan oleh Syarikat dan anak-anak syarikatnya di mana kami adalah juruaudit telah disimpan dengan sempurna menurut peruntukan Akta tersebut.

Anak-anak syarikat di mana kami tidak bertindak sebagai juruaudit dinyatakan pada Nota 3 kepada penyata kewangan dan kami telah mengambilkira penyata kewangan dan laporan juruaudit mereka.

Kami berpuas hati bahawa penyata kewangan anak-anak syarikat yang telah disatukan dengan penyata kewangan Syarikat adalah dalam bentuk dan kandungan yang sesuai dan wajar untuk menyediakan penyata kewangan disatukan dan kami telah menerima maklumat dan penjelasan yang memuaskan seperti dikehendaki untuk tujuan tersebut.

Laporan juruaudit bagi penyata kewangan anak-anak syarikat tidak tertakluk kepada sebarang syarat dan tidak mengandungi sebarang ulasan yang dikehendaki di bawah pecahan (3) Seksyen 174 Akta tersebut.

KPMG Desa Megat & Co. Abdullah Abu SamahNombor Firma: AF 0759 Rakan FirmaAkauntan Bertauliah Nombor Kelulusan: 2013/06/08(J)

Kuala Lumpur,




Laporan Badan Penasihat Syariah

Kami, Prof. Madya Dr. Ahmad Shahbari @ Sobri Salamon dan Mohd Bakir Haji Mansor dua daripada ahli Badan Penasihat Syariah (BPS) Syarikat Takaful Malaysia Berhad, bagi pihak BPS mengesahkan bahawa pada pendapat kami operasi perniagaan Syarikat bagi tahun berakhir 30 Jun 2006 telah dijalankan mengikut kehendak-kehendak Syariah.

Bagi pihak Badan Penasihat Syariah:

………………………………………………Prof. Madya Dr. Ahmad Shahbari @ Sobri Salamon

…………………………………………….Mohd. Bakir Haji Mansor

Kuala LumpurBertarikh : 22 September 2006



Kunci Kira-Kira Pada 30 Jun 2006

Kumpulan Syarikat Nota 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

ASETAset Pemegang Saham Hartanah, loji dan peralatan 2 84,408 67,772 73,265 57,086Pelaburan dalam anak-anak syarikat 3 - - 27,002 27,002Pelaburan dalam syarikat bersekutu 4 - 189 757 757Pelaburan 5 217,149 226,573 146,424 155,837Pembiayaan 6 18,618 15,771 16,251 14,615Aset cukai tertunda 11 9,650 13,650 9,650 13,550Penghutang 7 44,393 21,148 24,267 18,550Tunai dan baki di bank 8 12,030 5,041 5,731 1,116 ___________ ___________ ___________ ___________Jumlah aset Pemegang Saham 386,248 350,144 303,347 288,513Jumlah aset Takaful Keluarga (m/s 100) 2,284,222 1,998,830 2,224,404 1,956,955Jumlah aset Takaful Am (m/s 103) 546,709 440,698 507,136 416,487 ___________ ___________ ___________ ___________JUMLAH ASET 3,217,179 2,789,672 3,034,887 2,661,955 ========= ========= ========= =========TANGGUNGANTanggungan Pemegang Saham Pemiutang 9 70,305 63,987 25,506 28,445Peruntukan percukaian - 2,359 - 2,008 ___________ ___________ ___________ ___________Jumlah tanggungan Pemegang Saham 70,305 66,346 25,506 30,453Jumlah tanggungan Takaful Keluarga (m/s 100) 131,459 57,837 122,184 53,818Jumlah tanggungan Takaful Am (m/s 103) 258,346 209,267 224,876 185,444 ___________ ___________ ___________ ___________ 460,110 333,450 372,566 269,715Kumpulanwang Takaful Keluarga 13 2,152,763 1,940,993 2,102,220 1,903,137Kumpulanwang Takaful Am 14 288,363 231,431 282,260 231,043 ___________ ___________ ___________ ___________JUMLAH TANGGUNGAN 2,901,236 2,505,874 2,757,046 2,403,895 ----------------- ----------------- ----------------- -----------------

EKUITI PEMEGANG SAHAMModal saham 16 152,643 152,643 152,643 152,643Rizab 126,353 96,836 125,198 105,417

___________ ___________ ___________ ___________ 278,996 249,479 277,841 258,060Kepentingan pihak minoriti 12 36,947 34,319 - - ___________ ___________ ___________ ___________ 315,943 283,798 277,841 258,060 ----------------- ----------------- ----------------- -----------------JUMLAH TANGGUNGAN DAN EKUITI PEMEGANG SAHAM 3,217,179 2,789,672 3,034,887 2,661,955 ========= ========= ========= =========

Nota-nota yang dibentangkan di muka surat 111 hingga 162 adalah sebahagian dari penyata kewangan ini dan perlu dibaca bersama dengannya.

Penyata kewangan ini telah diterima dan diluluskan oleh Lembaga Pengarah pada 22 September 2006




Pendapatan operasi 18 969,141 822,364 833,370 717,379 ========= ========= ========= =========Pindahan dari akaun hasil

Takaful Keluarga 70,999 40,892 56,358 36,861Takaful Am 86,253 90,019 63,525 76,063

Pendapatan pelaburan 19 12,532 14,939 8,381 7,000Pelbagai pendapatan operasi 20 5,827 8,667 3,556 5,435Perbelanjaan pengurusan 21 (101,447) (95,781) (83,750) (75,738)Pelbagai perbelanjaan operasi 22 (29,245) (26,113) (12,590) (12,157) ___________ ___________ ___________ ___________Keuntungan operasi 44,919 32,623 35,480 37,464Perkongsian rugi selepas cukai syarikat

bersekutu (600) - - -Kos kewangan (31) (27) (31) (27) ___________ ___________ ___________ ___________Keuntungan sebelum zakat dan cukai 44,288 32,596 35,449 37,437Zakat (3,282) (3,542) (2,863) (3,444)Cukai 26 (4,520) (3,442) (4,562) (3,464) ___________ ___________ ___________ ___________Keuntungan selepas zakat dan cukai 36,486 25,612 28,024 30,529Tolak: Kepentingan pihak minoriti (3,124) 2,000 - - ___________ ___________ ___________ ___________Keuntungan bersih tahun semasa 33,362 27,612 28,024 30,529 ========= ========= ========= =========

Perolehan sesaham (sen)Perolehan sesaham asas (sen) 27 21.9 18.8 Dividen sesaham biasa (sen) - (bersih) 17 6.1 5.4

========= =========


Penyata Pendapatan Bagi TahunBerakhir 30 Jun 2006



Kumpulan Boleh Tidak boleh diagihkan Diagihkan Modal Premium Rizab Keuntungan saham saham tukaran asing tersimpan Jumlah RM’000 RM’000 RM’000 RM’000 RM’000

Pada 1 Julai 2004 143,000 815 (2,209) 76,894 218,500Perbezaan tukaran asingdari terjemahan penyatakewangan matawang asing - - (1,232) - (1,232)

Kerugian bersih yang tidak diiktiraf dalam penyata pendapatan - - (1,232) - (1,232)

Terbitan saham:- tunai 9,643 1,248 - - 10,891

Keuntungan bersih tahun semasa - - - 27,612 27,612Dividen 2004 - akhir - - - (6,292) (6,292) _______ ___________________________ __________________________Pada 30 Jun 2005 152,643 2,063 (3,441) 98,214 249,479 ====== ============================ ================

Pada 1 Julai 2005 152,643 2,063 (3,441) 98,214 249,479Perbezaan tukaran asing

dari terjemahan penyatakewangan matawang asing - - 4,398 - 4,398

Kerugian bersih yang tidak diiktiraf dalam penyata pendapatan - - 4,398 - 4,398

Keuntungan bersih tahun semasa - - - 33,362 33,362Dividen 2005 - akhir - - - (8,243) (8,243) _______ ___________________________ __________________________Pada 30 Jun 2006 152,643 2,063 957 123,333 278,996 ====== ============================ ================ Nota 16


Penyata Perubahan Ekuiti Bagi TahunBerakhir 30 Jun 2006



Penyata Perubahan Ekuiti Bagi TahunBerakhir 30 Jun 2006 (bersambung)

Syarikat Boleh Tidak boleh diagihkan diagihkan Modal Premium Keuntungan saham saham tersimpan Jumlah RM’000 RM’000 RM’000 RM’000

Pada 1 Julai 2004 143,000 815 79,117 222,932Terbitan saham:

- tunai 9,643 1,248 - 10,891Keuntungan bersih tahun semasa - - 30,529 30,529Dividen - 2004 akhir - - (6,292) (6,292)

___________________________________________________Pada 30 Jun 2005 152,643 2,063 103,354 258,060 ==========================================

Pada 1 Julai 2005 152,643 2,063 103,354 258,060Terbitan saham:

- tunaiKeuntungan bersih tahun semasa - - 28,024 28,024 Dividen - 2005 akhir - - (8,243) (8,243)

___________________________________________________Pada 30 Jun 2006 152,643 2,063 123,135 277,841 ========================================== Nota 16




Kunci Kira-Kira Takaful KeluargaPada 30 Jun 2006


AsetHartanah, loji dan peralatan 2 183,494 182,457 183,426 182,385Pelaburan dalam anak-anak syarikat 3 - - 29,963 29,963Pelaburan dalam syarikat bersekutu 4 - 303 1,212 1,212Aset perniagaan

berkaitan pelaburan (“ILB”) 29 25,757 22,213 25,757 22,213Pelaburan 5 1,969,410 1,754,076 1,896,807 1,691,089Pembiayaan 6 15,224 14,087 10,257 9,052Penghutang 7 83,198 5,597 76,511 5,047Tunai dan baki di bank 8 7,139 20,097 471 15,994 ___________ ___________ ___________ ___________Jumlah aset Takaful Keluarga 2,284,222 1,998,830 2,224,404 1,956,955 ========= ========= ========= =========TanggunganPemiutang 9 81,448 19,531 75,431 17,263Tuntutan belum bayar 10 48,918 37,747 45,660 35,996Tanggungan ILB 29 1,093 559 1,093 559 ___________ ___________ ___________ ___________Jumlah tanggungan Takaful Keluarga 131,459 57,837 122,184 53,818 ----------------- ----------------- ----------------- -----------------Kumpulanwang Peserta-peserta Kumpulanwang Takaful Keluarga 13 2,152,763 1,940,993 2,102,220 1,903,137 ___________ ___________ ___________ ___________Jumlah tanggungan Takaful Keluarga 2,284,222 1,998,830 2,224,404 1,956,955 dan Kumpulanwang Peserta-peserta ========= ========= ========= =========




Akaun Hasil Takaful Keluarga BagiTahun Berakhir 30 Jun 2006


Sumbangan kasar 18 451,806 407,562 375,074 357,145Takaful semula (24,909) (15,287) (17,314) (12,209)Pengurangan/(penambahan) rizab untuk

sumbangan yang belum diperolehi (16,755) (8,139) (15,145) (8,056) ___________ ___________ ___________ ___________Sumbangan bersih 410,142 384,136 342,615 336,880

Manfaat dibayar dan belum dibayar

Kematian/keilatan (99,988) (80,669) (79,921) (68,425)Kematangan (18,198) (13,995) (11,379) (10,136)Serahan (75,257) (83,700) (66,967) (74,436)Pengeluaran sebahagian (13,724) (10,562) (13,724) (10,562)Perubatan (4,540) (418) (182) (148)Lain-lain (13,498) (10,735) (3,193) (4,083) ___________ ___________ ___________ ___________ (225,205) (200,079) (175,366) (167,790) ___________ ___________ ___________ ___________ 184,937 184,057 167,249 169,090 ----------------- ----------------- ----------------- -----------------

Kumpulanwang tersimpan bagi tahun semasa- Keluarga Individu 112,520 151,370 104,665 136,502

Keuntungan/(kerugian) pengunderaitan- Keluarga Berkelompok dan lain-lain 71,723 32,467 61,890 32,368

Keuntungan/(kerugian) pengunderaitan- Keluarga Berkelompok ILB 694 220 694 220

184,937 184,057 167,249 169,090 ----------------- ----------------- ----------------- -----------------

Keuntungan/(kerugian) pengunderaitan 72,417 32,687 62,584 32,588Pendapatan pelaburan 19 96,389 83,600 96,307 80,640Pelbagai pendapatan operasi 20 180 4,123 180 4,050Pelbagai perbelanjaan operasi 22 (32,562) (6,712) (32,483) (6,712) ___________ ___________ ___________ ___________Keuntungan bagi tahun semasa 136,424 113,698 126,588 110,566




Akaun Hasil Takaful Keluarga BagiTahun Berakhir 30 Jun 2006 (bersambung)


Tolak: Elaun rosotnilai pelaburan 7,021 (10,505) 7,021 (10,505) ___________ ___________ ___________ ___________Keuntungan yang boleh diagihkan kepada Syarikat dan peserta-peserta bagi tahun semasa 143,445 103,193 133,609 100,061Keuntungan yang boleh diagihkan kepada Pelan Pelajaran yang dipindahkan ke pemiutang (58) (45) (58) (45)Keuntungan yang boleh diagihkan kepada Syarikat dipindahkan ke penyata pendapatan (70,999) (40,892) (56,358) (36,861) ___________ ___________ ___________ ___________ 72,388 62,256 77,193 63,155Keuntungan yang akan dibayar kepada peserta-peserta (7,741) (7,372) (8,177) (7,372) ___________ ___________ ___________ ___________

Keuntungan yang boleh diagihkan kepada peserta-peserta bagi tahun semasa 64,647 54,884 69,016 55,783 ========= ========= ========= =========

Kumpulanwang Takaful Keluarga pada awal tahun 1,940,993 1,747,878 1,903,137 1,694,011Kumpulanwang tersimpan bagi tahun semasa - Keluarga Individu 112,520 151,370 104,665 136,502Keuntungan yang boleh diagihkan kepada peserta-peserta bagi tahun semasa 64,647 54,884 69,016 55,783Pergerakan pada tahun semasa: - Rizab sumbangan yang belum diperolehi 16,755 8,139 15,145 8,056 - Elaun rosotnilai pelaburan 10,257 9,594 10,257 8,785Baki antara dana 7,591 (30,872) - - ___________ ___________ ___________ ___________Kumpulanwang Takaful Keluarga pada akhir tahun 2,152,763 1,940,993 2,102,220 1,903,137 ========= ========= ========= =========




Kunci Kira-Kira Takaful AmPada 30 Jun 2006


AsetHartanah, loji dan peralatan 2 44,684 42,584 41,544 42,296Pelaburan dalam anak-anak syarikat 3 - - 1,970 1,970Pelaburan dalam syarikat bersekutu 4 - 126 504 504Pelaburan 5 386,001 308,528 373,683 293,647Pembiayaan 6 4,616 4,700 4,616 4,700Penghutang 7 104,673 75,731 82,289 69,332Tunai dan baki di bank 8 6,735 9,029 2,530 4,038 ___________ ___________ ___________ ___________Jumlah aset Takaful Am 546,709 440,698 507,136 416,487 ========= ========= ========= =========Tanggungan Pemiutang 9 159,765 114,030 139,699 102,821Tuntutan belum bayar 10 98,581 95,237 85,177 82,623 ___________ ___________ ___________ ___________Jumlah tanggungan Takaful Am 258,346 209,267 224,876 185,444 ----------------- ----------------- ----------------- -----------------Kumpulanwang Peserta-peserta Kumpulanwang Takaful Am 14 288,363 231,431 282,260 231,043 ___________ ___________ ___________ ___________Jumlah Tanggungan Takaful Am 546,709 440,698 507,136 416,487 dan Kumpulanwang Peserta-peserta ========= ========= ========= =========




Akaun Hasil Takaful AmBagi Tahun Berakhir 30 Jun 2006

M

arin

Ke

baka

ran

Mot

or

Udar

a &

Tran

sit

Pelb

agai

Ju

mla

hKu

mpu

lan

N

ota

2006

20

05

2006

20

05

2006

20

05

2006

20

05

2006

20

05

RM’0

00

RM’0

00

RM’0

00

RM’0

00

RM’0

00

RM’0

00

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00

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00

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00

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____

____

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____

____

____

____

____

____

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____

____

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____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

Sum

bang

an k

asar

18

16

6,69

6 12

9,68

1 81

,678

66

,149

45

,882

33

,690

10

1,15

8 78

,380

39

5,41

4 30

7,90

0Ta

kafu

l sem

ula

(6

1,45

4)

(46,

171)

(3

,256

) (1

,906

) (2

1,78

5)

(15,

805)

(4

5,46

4)

(26,

482)

(1

31,9

59)

(90,

364)

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

_Su

mba

ngan

ber

sih

10

5,24

2 83

,510

78

,422

64

,243

24

,097

17

,885

55

,694

51

,898

26

3,45

5 21

7,53

6Pe

ngur

anga

n/(P

enam

baha

n)

riz

ab u

ntuk

sum

bang

an

ya

ng b

elum

dip

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15

(19,

202)

(1

5,22

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(12,

212)

3,

060

678

(1,6

15)

(7,2

28)

(2,4

52)

(37,

964)

(1

6,22

7)__

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Sum

bang

an y

ang

dip

erol

ehi

86

,040

68

,290

66

,210

67

,303

24

,775

16

,270

48

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49

,446

22

5,49

1 20

1,30

9 Tu

ntut

an b

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28

(1

3,03

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(11,

655)

(2

4,36

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(21,

729)

(6

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) (3

,703

) (2

2,65

8)

(23,

320)

(6

6,49

8)

(60,

407)

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

_Le

biha

n pe

ngun

der

itan

73

,002

56

,635

41

,842

45

,574

18

,341

12

,567

25

,808

26

,126

15

8,99

3 14

0,90

2==

====

====

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982

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(56,

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__

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mla

h ke

untu

ngan

bag

i tah

un se

mas

a

11

6,91

7 14

1,66

4



Akaun Hasil Takaful AmBagi Tahun Berakhir 30 Jun 2006 (bersambung)

Ju

mla

hKu

mpu

lan

20

06

2005

RM

’000

RM

’000

____

____

____

____

____

____

____

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____

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____

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Tola

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laun

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abur

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____

____

___

____

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Keun

tung

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pera

si 12

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____

____

___

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Baha

gian

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____

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gihk

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pad

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65,4

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____

____

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Riza

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)

____

____

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____

____

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Kum

pula

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pad

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8,36

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====

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====

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M

arin

Ke

baka

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Mot

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Pelb

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Ju

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20

05

2006

20

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2006

20

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____

____

____

____

____

____

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Sum

bang

an k

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18

14

7,25

3 11

5,86

0 67

,522

52

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41

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31

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85

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64

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34

1,87

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(14,

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(3

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(15,

698)

(1

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66)

(69,

962)

____

____

____

____

____

____

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____

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____

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____

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mba

ngan

ber

sih

96

,029

77

,495

65

,621

51

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22

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16

,929

48

,163

48

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23

2,00

8 19

4,82

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7 74

5 (1

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) (8

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) (2

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) (3

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6)

(16,

634)

____

____

____

____

____

____

____

____

____

____

____

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____

____

____

____

____

____

____

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_Su

mba

ngan

dip

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76

,774

62

,251

55

,096

54

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22

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15

,311

39

,992

46

,569

19

4,80

2 17

8,19

1Tu

ntut

an b

ersih

28

(8

,941

) (7

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) (1

7,68

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(16,

258)

(5

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) (3

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) (2

0,52

8)

(20,

057)

(5

2,93

3)

(47,

127)

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

_Le

biha

n pe

ngun

der

itan

67,8

33

54,9

98

37,4

08

37,8

02

17,1

64

11,7

52

19,4

64

26,5

12

141,

869

131,

064

__

____

____

____

____

____

____

____

____

____

____

____

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____

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Pend

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an p

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7,

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32

9 15

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__

____

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____

____

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mla

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bag

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mas

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97

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13

5,77

4





Ju

mla

h

2006

20

05Sy

arik

at

RM’0

00

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____

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____

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Tola

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laun

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3 (6

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____

____

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____

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an d

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7,56

9 12

9,24

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____

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____

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44

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Penyata Aliran Tunai Bagi TahunBerakhir 30 Jun 2006

Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Aliran tunai dari aktiviti operasi Keuntungan sebelum zakat dan cukai 44,288 32,596 35,449 37,437 Penyesuaian untuk: Bahagian kerugian dalam syarikat bersekutu 600 312 - - Susutnilai: - Kumpulanwang Pemegang Saham 8,997 6,914 7,053 5,381 - Kumpulanwang Takaful Keluarga 2,762 2,771 2,762 2,770 - Kumpulanwang Takaful Am 1,679 1,134 752 1,127 Pendapatan dari penghutang pembiayaan (1,849) (1,377) (1,387) (1,377) Pendapatan dari Akaun Pelaburan dan

Bil Penerimaan Islam (34,636) (34,833) (28,016) (34,833) Pendapatan dividen (68,442) (39,394) (51,210) (39,394) (Kerugian)/keuntungan dari jualan saham

tersiarharga (16,517) (4,789) (6,289) (4,789) Keuntungan dari tukaran matawang asing 4,398 (1,531) - - (Kirapulih)/Elaun rosotnilai bagi saham tersiarharga, saham tak tersiarharga dan saham amanah: - Kumpulanwang Pemegang Saham (1,224) (631) (1,204) (1,642) - Kumpulanwang Takaful Keluarga (14,799) 1,983 (14,769) (2,081) - Kumpulanwang Takaful Am (9,743) (494) (9,704) (2,092) - Kumpulanwang Takaful Keluarga

Berkelompok (3,152) (163) (3,129) (163) Keuntungan dari jualan Bon Islam (3,991) (6,749) (3,991) (6,749) Keuntungan dari jualan Sijil Pelaburan

Kerajaan Malaysia (11,229) (9,414) (11,247) (9,414) Elaun bagi pembiayaan diragui: - Kumpulanwang Pemegang Saham - 726 - 726 - Kumpulanwang Takaful Keluarga - 2,178 - 2,178 - Kumpulanwang Takaful Am - 2,178 - 2,178 ___________ ___________ ___________ ___________ Kerugian operasi sebelum perubahan modal kerja (102,858) (48,583) (84,930) (50,737)




Penambahan dalam Kumpulanwang Takaful Keluarga 203,313 298,523 193,563 261,082(Pengurangan)/Penambahan dalam Kumpulanwang Takaful Keluarga Berkelompok 8,695 (43,904) 8,695 (43,871) Penambahan dalam Kumpulanwang Takaful Am 58,871 37,999 51,765 46,734Penambahan/(Pengurangan) dalam Kumpulanwang Takaful Semula Keluarga (1,886) 387 - - Penambahan dalam Kumpulanwang Takaful Semula ATG 1,359 968 - - Pengurangan dalam Kumpulanwang Takaful Semula Am (261) (425) - - Pengurangan dalam Kumpulanwang Takaful Lil-Istithmar - (782) - - (Penambahan)/Pengurangan dalam pelaburan (137,138) (11,354) (135,626) 15,365Pembelian Sijil Pelaburan Kerajaan Malaysia (151,343) (136,521) (151,343) (136,521)Pendapatan dari Akaun Pelaburan dan Bil Penerimaan Islam 34,636 34,833 28,016 34,833Pendapatan dividen 68,442 39,394 51,210 39,488Bayaran diterima dari hutang pembiayaan 9,974 13,445 9,924 5,962Penambahan pemiutang (termasuk tuntutan belum bayar) 127,247 30,602 104,474 19,524Penambahan penghutang (90,589) (57,563) (54,161) (42,852) ___________ ___________ ___________ ___________Tunai diperolehi/(digunakan) dari operasi 28,462 157,019 21,587 149,007Bayaran zakat (2,838) (2,101) (2,588) (2,313)Bayaran cukai (3,907) (3,991) (3,657) (3,226) ___________ ___________ ___________ ___________Tunai bersih diperolehi/(digunakan) dari aktiviti operasi 21,717 150,927 15,342 143,468 ----------------- ----------------- ----------------- -----------------Aliran tunai dari aktiviti pelaburan

Pembelian hartanah, loji dan peralatan (29,257) (143,080) (27,035) (142,182) Pembelian saham tambahan dalam anak-anak syarikat - - - (6,954)Perolehan dari penjualan saham dalam Anak-anak syarikat - - - 11,996 ___________ ___________ ___________ ___________ Tunai bersih digunakan dalam aktiviti pelaburan (29,257) (143,080) (27,035) (137,140) ----------------- ----------------- ----------------- -----------------

Penyata Aliran Tunai Bagi TahunBerakhir 30 Jun 2006 (bersambung)



Penyata Aliran Tunai Bagi TahunBerakhir 30 Jun 2006 (bersambung)


Aliran tunai dari aktiviti kewangan

Perolehan dari terbitan saham - 9,643 - 9,643 Bayaran dividen kepada pemegang saham syarikat (8,243) (6,292) (8,243) (6,292) ___________ ___________ ___________ ___________ Aliran tunai diperolehi dari aktiviti kewangan (8,243) 3,351 (8,243) 3,351 ========= ========= ========= =========Pengurangan bersih dalam tunai dan setara tunai (15,783) 11,198 (19,936) 9,679

Tunai dan setara tunai pada awal tahun 42,339 31,141 29,320 19,641 ___________ ___________ ___________ ___________Tunai dan setara tunai pada akhir tahun 26,556 42,339 9,384 29,320 ========= ========= ========= =========Tunai dan setara tunai terdiri daripada: Tunai dan baki di bank - Kumpulanwang Pemegang Saham (m/s 96) 12,030 5,041 5,731 1,116 - Kumpulanwang Takaful Keluarga (m/s 100) 7,139 20,097 471 15,994 - ILB (Nota 29) 652 8,172 652 8,172 - Kumpulanwang Takaful Am (m/s 103) 6,735 9,029 2,530 4,038 ___________ ___________ ___________ ___________ 26,556 42,339 9,384 29,320 ========= ========= ========= =========




Nota-Nota Kepada Penyata Kewangan

1. Dasar-dasar perakaunan penting Dasar-dasar perakaunan berikut diamalkan oleh Kumpulan dan Syarikat kecuali dinyatakan

sebaliknya dan sejajar dengan dasar-dasar yang diamalkan dalam tahun-tahun yang lalu.

(a) Asas Perakaunan Penyata kewangan Kumpulan dan Syarikat telah disediakan berdasarkan konvensyen kos

sejarah melainkan dari yang dinyatakan di dalam nota penyata kewangan dan mematuhi peruntukan Akta Syarikat, 1965, Akta Takaful, 1984 (pindaan), Garis Panduan yang ditetapkan oleh Bank Negara Malaysia dan piawaian-piawaian perakaunan yang berkenaan yang telah diluluskan di Malaysia, diubahsuai untuk mematuhi Hukum-Hukum Syarak.

Asas perakaunan digunakan oleh Kumpulan dan Syarikat selaras dengan penggunaan seperti tahun sebelumnya kecuali seperti di bawah:

a) Sebelum 2 Februari 2006, Kumpulan iktiraf hasil berdasarkan tunai.

b) Pada 2 Februari 2006, Syarikat telah mula mengguna sistem operasi baru yang telah dibangunkan untuk mengiktirafkan hasil berdasarkan akruan dan pada masa yang sama boleh menghasilkan laporan tunai untuk mematuhi Syarat Syariah bagi pengiraan mudharabah. Oleh yang demikian, efektif dari 2 Februari 2006, Syarikat telah mengiktiraf hasil berdasarkan akruan selaras dengan JPIT/GPT 6 – Peraturan Penyata Kewangan untuk Takaful Operator oleh Bank Negara Malaysia. Pertukaran dasar dari pengiktirafan secara tunai ke akruan dilaksanakan dari tarikh 2 Februari 2006 ke hadapan, dan tidak melibatkan penyataan semula penyata kewangan pada tahun-tahun lepas disebabkan oleh kekurangan yang terdapat dalam sistem lama iaitu FTS dan GTS yang telah dibangunkan berdasarkan asas tunai dan tidak dapat mengeluarkan angka perbandingan berdasarkan asas akruan. Oleh itu, angka perbandingan tidak dapat dinyatakan.

c) Penukaran dasar asas perakaunan iaitu daripada mengiktiraf hasil daripada tunai kepada asas akruan, dan penggunaan cara ke hadapan, telah menyebabkan penyatuan keuntungan sebelum cukai untuk 12 bulan terkumpul berakhir pada 30 Jun 2006 adalah seperti berikut:

RM’000 Keuntungan sebelum cukai sebelum penukaran 48,625 Kesan daripada penukaran (4,337) ______ Keuntungan sebelum cukai selepas penukaran 44,288 =====

(b) Asas Penyatuan Anak-anak syarikat adalah perusahaan-perusahaan di bawah kawalan Syarikat. Kawalan

wujud apabila Syarikat mempunyai kuasa, secara langsung atau tidak langsung, untuk menentukan polisi-polisi kewangan dan operasi sesebuah perusahaan dengan tujuan untuk mendapat faedah daripada aktiviti perusahaan tersebut. Penyata kewangan anak-anak syarikat diambilkira ke dalam penyata kewangan yang disatukan bermula dari tarikh berkuatkuasa kawalan sehingga ke tarikh kuatkuasa kawalan berakhir. Anak-anak syarikat disatukan dengan menggunakan kaedah perakaunan pemerolehan.

Sesebuah anak syarikat tidak diambilkira dalam penyatuan apabila cadangan kawalan hanya untuk sementara dan jika anak syarikat itu diambilalih dan dipegang secara eksklusif dengan tujuan untuk dijual pada masa hadapan yang terdekat dan ianya tidak pernah disatukan sebelum ini atau ia beroperasi di bawah halangan jangka panjang yang menjejaskan dengan ketara keupayaannya untuk memindahkan Kumpulanwang kepada Syarikat. Anak-anak syarikat yang dikecualikan berdasarkan alasan ini dikira sebagai pelaburan.



Nota-Nota Kepada Penyata Kewangan (bersambung)

Mengikut kaedah perakaunan pemerolehan, kedudukan kewangan anak syarikat yang diambilalih atau dijual bagi sepanjang tahun perakaunan diambilkira dari tarikh pengambilalihan atau hingga ke tarikh penjualan. Pada tarikh pengambilalihan, nilai saksama ke atas harta bersih anak syarikat ditentukan dan nilai ini diambilkira ke dalam penyata kewangan Kumpulan. Perbezaan di antara kos pengambialihan dan nilai saksama harta bersih anak syarikat dikira sebagai muhibah atau rizab semasa penyatuan, bergantung kepada keadaan.

Semua urusniaga dan baki di antara syarikat-syarikat di dalam Kumpulan dan sebarang keuntungan belum realisasi yang terbit dari urusniaga tersebut dihapuskan dalam penyatuan. Kerugian belum direalisasikan yang terbit dari urusniaga antara syarikat-syarikat di dalam Kumpulan juga dihapuskan kecuali kos yang tidak dapat diperolehi semula.

(c) Syarikat Bersekutu Syarikat bersekutu adalah perusahaan-perusahaan yang mana Kumpulan mempunyai

pengaruh penting, tetapi bukan kawalan, ke atas dasar-dasar kewangan dan operasi perusahaan-perusahaan berkenaan.

Penyata kewangan yang disatukan mengambilkira jumlah keuntungan dan kerugian yang diiktiraf oleh syarikat bersekutu dengan menggunakan kaedah ekuiti bermula dari tarikh wujudnya pengaruh penting secara efektif sehingga tarikh pengaruh penting tersebut berakhir secara efektif.

Keuntungan yang belum direalisasikan yang wujud daripada urusniaga di antara Kumpulan dan syarikat-syarikat bersekutu yang dimasukkan dalam nilai pembawaan aset dan tanggungan berkaitan dihapuskan sebahagiannya mengikut kadar kepentingan Kumpulan dalam syarikat-syarikat bersekutu tersebut. Kerugian yang belum direalisasikan daripada urusniaga sedemikian juga dihapuskan sebahagiannya kecuali apabila kos tidak boleh diperolehi semula.

Muhibah dari pengambilalihan dikira berdasarkan nilai saksama aset bersih yang diperolehi.

(d) Hartanah, loji dan peralatan

Tanah milikbebas dan bangunan dalam pembinaan dinyatakan pada kos. Hartanah, loji dan peralatan yang lain dinyatakan pada kos ditolak susutnilai terkumpul dan kerugian rosotnilai terkumpul.

Susutnilai

Tanah milikbebas, pengubahsuaian dan bangunan dalam pembinaan tidak disusutnilaikan. Tanah milikpajak dilunaskan pada kadar yang sama sepanjang tempoh pajakan di antara enam puluh hingga sembilan puluh sembilan tahun manakala bangunan disusutnilaikan dengan kaedah garis lurus pada kadar terendah antara 50 tahun atau tempoh pajakan.

Kaedah garis lurus digunakan untuk menghapuskan kos aset yang lain di dalam tempoh usia guna pada asas kadar tahunan berikut:

Bangunan milikbebas 2% Perabot, kelengkapan dan perkakas 16.7% - 20% Kenderaan 20% Komputer dan peralatan 16.7% - 33.3%

(e) Pelaburan

Pelaburan jangkapanjang dalam anak-anak syarikat, syarikat-syarikat bersekutu dan syarikat usahasama dinyatakan pada kos di dalam Syarikat dan ditolak sebarang elaun rosotnilai




apabila tanda-tanda perosotan timbul. Polisi perakaunan untuk rosotnilai dinyatakan pada Nota (f).

Sijil-sijil Islam Kerajaan (Sijil-sijil Pelaburan Kerajaan dan lain-lain instrumen Islam yang dikeluarkan oleh Kerajaan atau BNM) dan lain-lain pelaburan yang dinyatakan oleh Bank Negara Malaysia dinyatakan pada kos disesuaikan bagi pelunasan premium dan diskaun terkumpul diiktiraf di dalam penyata pendapatan/akaun hasil.

Pelaburan dalam saham tak tersiarharga semasa dinyatakan pada nilai terendah antara kos dan nilai realisasi bersih manakala pelaburan dalam saham yang tersiarharga semasa dinyatakan pada nilai terendah antara kos dan nilai pasaran pada dasar portfolio pelaburan.

Elaun untuk rosotnilai dikenakan terus ke penyata pendapatan kumpulanwang takaful masing-masing. Sebarang peningkatan di dalam nilai pasaran pelaburan tersiarharga diperlakukan sebagai kirapulih bagi elaun rosotnilai sehingga ke nilai kos asal yang telah ditentukan jika elaun rosotnilai tidak diambilkira. Mengikut garis panduan BNM, elaun berdasarkan 8% dari lebihan Kumpulanwang Takaful yang diagih kepada peserta dan Syarikat, setelah ditolak perbelanjaan pengurusan yang diagihkan, dikenakan terus ke akaun hasil Kumpulanwang Takaful masing-masing.

Elaun untuk rosotnilai yang timbul bagi Kumpulanwang Pemegang Saham, dikenakan ke penyata pendapatan.

(f) Rosotnilai

Nilai bawaan bagi aset-aset, selain dari aset cukai tertunda dan aset kewangan (selain dari pelaburan dalam anak-anak syarikat, syarikat-syarikat bersekutu dan syarikat usahasama), disemak semula pada setiap tarikh kunci kira-kira untuk menentukan samada terdapat sebarang petunjuk adanya rosotnilai. Jika petunjuk tersebut wujud, nilai perolehan semula akan dianggarkan. Kerugian rosotnilai akan diiktiraf dalam penyata pendapatan melainkan jika nilai bawaan aset tersebut telah dinilaikan semula, di mana ianya dikenakan ke rizab. Kerugian rosotnilai diiktiraf apabila nilai gunaan bagi aset atau aset yang dipunyai oleh unit-penghasilan tunai melebihi nilai penampungnya.

Amaun penampungan adalah nilai yang lebih besar antara harga jualan bersih harta tersebut dan nilai gunaannya. Dalam menentukan nilai gunaan, anggaran nilai tunai masa depan akan didiskaunkan kepada nilai terkini menggunakan kadar diskaun sebelum cukai yang menunjukkan penilaian pasaran semasa terhadap nilai masa tunai dan risiko-risiko khusus atas harta tersebut. Bagi aset yang tidak menghasilkan sebahagian besar aliran tunainya secara tersendiri, amaun penampungan ditentukan untuk aset yang dipunyai oleh unit-penghasilan tunai untuk aset berkenaan.

Kerugian rosotnilai berkaitan muhibah tidak dibalikkan melainkan kerugian tersebut disebabkan oleh suatu kejadian luaran yang spesifi k yang dijangka tidak akan berulang dan kejadian-kejadian yang berikutnya telah berlaku dan menterbalikkan kesan kejadian tersebut.

Berkenaan dengan lain-lain aset, kerugian rosotnilai dibalikkan jika terdapat perubahan dalam jangkaan yang digunakan untuk menentukan nilai penampungnya.

Kerugian rosotnilai akan dibalikkan jika terdapat perubahan pada anggaran yang digunakan bagi menentukan amaun penampungan. Kerugian rosotnilai hanya akan dikirapulih ke tahap nilai bawaan aset tersebut tidak melebihi nilai bawaan asal, setelah ditolak susutnilai, seolah-olah kerugian rosotnilai tidak pernah dikenakan. Kirapulih tersebut akan dikenakan ke penyata pendapatan.




(g) Pembiayaan

Hutang ragu yang diketahui dihapuskira dan peruntukan khusus dibuat untuk pembiayaan yang tidak berbayar yang melebihi enam (6) bulan dari tarikh ia sepatutnya dibayar dan semua hutang dianggap meragukan.

(h) Muhibah

Muhibah merupakan lebihan daripada kos pemerolehan kepada nilai saksama aset-aset yang boleh dikenalpasti yang diperolehi.

Muhibah dihapuskira pada tahun ianya diiktiraf.

(i) Penghutang Pelbagai penghutang dinyatakan pada kos dan ditolak dengan peruntukan hutang ragu,

jika ada untuk sumbangan yang tertunggak melebihi enam bulan dari tarikh sebenar penerimaan.

(j) Tunai dan Setara Tunai Tunai dan setara tunai terdiri daripada tunai dan baki di bank, tidak termasuk deposit di

dalam akaun-akaun pelaburan Islam yang boleh ditukarkan kepada amaun tunai yang diketahui dan tertakluk kepada risiko yang tidak ketara atas perubahan nilai.

(k) Tanggungan

Pembiayaan Islam dan pelbagai pemiutang dinyatakan pada kos.

(l) Manfaat Kakitangan

(i) Manfaat Kakitangan Jangka Pendek

Upah, gaji dan bonus kakitangan diiktiraf sebagai perbelanjaan dalam tahun di mana perkhidmatan yang berkaitan dilaksanakan oleh kakitangan-kakitangan Kumpulan. Ketidakhadiran berbayar terkumpul jangka pendek seperti cuti tahunan diiktiraf apabila perkhidmatan dilaksanakan oleh kakitangan akan menambahkan hak ke atas ketidakhadiran berbayar di masa hadapan, dan ketidakhadiran berbayar yang tidak boleh dikumpulkan seperti cuti sakit diiktiraf apabila seseorang kakitangan tidak hadir bekerja. Apabila bayaran atau penyelesaian ditunda dan kesannya bermungkinan ketara, amaun-amaun ini dinyatakan pada nilai semasa.

(ii) Pelan Sumbangan Ditakrif

Tanggungan untuk sumbangan-sumbangan kepada pelan sumbangan diiktiraf sebagai perbelanjaan dalam penyata pendapatan apabila ianya berlaku.

(iii) Manfaat Ekuiti dan Bayaran Berkaitan

Program opsyen saham membenarkan kakitangan-kakitangan untuk mendapatkan saham-saham Syarikat. Apabila opsyen dilaksanakan, ekuiti akan meningkat berpandukan perolehan yang diterima.

(m) Percukaian

Cukai di dalam penyata pendapatan mengandungi cukai tahun semasa dan cukai tertunda. Cukai pendapatan diiktiraf di dalam penyata pendapatan.

Perbelanjaan cukai semasa adalah bayaran cukai yang dijangkakan ke atas pendapatan yang boleh dikenakan cukai bagi tahun semasa, dengan menggunakan kadar cukai




yang diwartakan atau sebahagian besarnya diwartakan pada tarikh kunci kira-kira, dan sebarang perubahan pada bayaran cukai untuk tahun terdahulu.

Cukai tertunda diperuntukkan dengan menggunakan kaedah tanggungan untuk semua perbezaan masa terhasil di antara kadar cukai aset dan tanggungan dan nilai pembawa dalam penyata kewangan. Perbezaan bersifat sementara tidak diiktiraf bagi muhibah yang tidak dibenarkan bagi tujuan percukaian, dan permulaan pengiktirafan aset atau tanggungan di mana pada masa transaksi ianya tidak mempengaruhi keuntungan berkanun dan keuntungan yang boleh dikenakan cukai. Jumlah cukai tertunda yang diperuntukkan adalah berdasarkan kepada jangkaan cara realisasi atau penyelesaian bagi nilai di bawa aset dan tanggungan, menggunakan kadar cukai diwartakan atau berkemungkinan besar akan diwartakan pada tarikh kunci kira-kira.

Aset cukai tertunda akan hanya apabila keuntungan yang boleh dikenakan cukai di masa hadapan berkemungkinan besar akan boleh diperolehi dari aset yang digunakan.

(n) Zakat

Ini merupakan pembayaran zakat oleh Syarikat untuk mematuhi Hukum-Hukum Syariah seperti yang diluluskan oleh Badan Penasihat Syariah.

(o) Kumpulanwang Takaful Keluarga

Kumpulanwang Takaful Keluarga terdiri daripada: • Takaful Keluarga; • Takaful Keluarga Berkelompok; dan • Takaful Semula Keluarga.

Keuntungan yang boleh diagihkan kepada peserta takaful semula keluarga adalah terbentuk dari agihan lebihan dari operasi takaful semula keluarga dan diagihkan bersesuaian dengan kehendak-kehendak dan syarat-syarat yang ditentukan oleh Kumpulan.

Kumpulanwang Takaful Keluarga diselenggarakan bersesuaian dengan kehendak Akta Takaful (Pindaan), 1984 dan ianya termasuk keuntungan milik peserta-peserta yang

diperolehi dari pelaburan. Keuntungan yang boleh diagihkan kepada peserta-peserta merupakan bahagian untung ke atas pulangan pelaburan dan akan diagihkan bersesuaian dengan kehendak-kehendak dan syarat-syarat yang ditentukan oleh Kumpulan.

Lebihan yang boleh dipindahkan dari Kumpulanwang Takaful Keluarga ke penyata

pendapatan dikira berdasarkan lebihan yang ditentukan oleh penilaian tahunan ke atas tanggungan jangka panjang kepada peserta-peserta oleh aktuari.

(i) Pendapatan Sumbangan

Sumbangan daripada peserta-peserta diambilkira apabila jumlahnya dapat dikira dengan jelas. Sumbangan awal diambilkira dari tarikh tanggungan risiko dan sumbangan seterusnya diambilkira apabila tanggungan risiko seterusnya bermula.

Di akhir tahun semasa, kesemua sumbangan yang perlu diiktiraf, akan diiktiraf ke tahap ianya dapat dikira dengan jelas.

(ii) Perniagaan Berkaitan Pelaburan

Pelaburan di dalam perniagaan berkaitan pelaburan dinyatakan pada harga penutup pasaran. Sebarang kenaikan atau penurunan dalam nilai pelaburan ini diambilkira di dalam akaun hasil perniagaan berkaitan pelaburan.

iii) Rizab Sumbangan Yang Belum Diperolehi

Rizab sumbangan yang belum diperolehi untuk Kumpulanwang Takaful Keluarga




Berkelompok dan Kumpulanwang Takaful Semula Keluarga mewakili bahagian sumbangan bersih daripada sijil-sijil takaful yang belum tamat tempoh pada akhir tahun kewangan.

Untuk menentukan Rizab sumbangan tidak terperoleh pada tarikh kunci kira-kira, kaedah paling tepat untuk menggambarkan sumbangan sebenar yang belum diperolehi digunakan seperti berikut:

(a) Kaedah 1/365 untuk semua Kumpulanwang Takaful Keluarga Berkelompok di Malaysia.

(b) Asas pro-rata berdasarkan kaedah pembahagian masa untuk Kumpulanwang Takaful Semula Keluarga.

(iv) Tuntutan Tuntutan-tuntutan dan kos-kos penyelesaian yang berlaku di sepanjang tempoh

kewangan diikitiraf apabila peristiwa-peristiwa yang membolehkan tuntutan dibuat berlaku dan/atau pengendali takaful dimaklumkan.

Tuntutan-tuntutan dan peruntukan yang timbul daripada sijil-sijil keluarga dan keluarga berkelompok, termasuk kos-kos penyelesaian diambilkira berdasarkan kaedah asas kes dan bagi tujuan ini, manfaat-manfaat belum bayar diiktiraf seperti berikut:

(i) Sijil-sijil yang matang atau bayaran manfaat yang perlu dibayar pada suatu tarikh khusus dianggap sebagai tuntutan belum bayar pada tarikh tersebut.

(ii) Kematian, serahan dan manfaat-manfaat lain tanpa tarikh khusus dianggap sebagai tuntutan belum bayar pada tarikh penerimaan makluman kematian peserta atau berlakunya kejadian yang dilindungi.

(p) Kumpulanwang Takaful Am

Kumpulanwang Takaful Am terdiri daripada: • Takaful Am; • Takaful Semula Asean Takaful Group (ATG); dan • Takaful Semula Am. Hasil pengunderaitan takaful am ditentukan berdasarkan kelas perniagaan takaful selepas

mengambilkira takaful semula, komisyen, sumbangan belum terima, tuntutan-tuntutan dan perbelanjaan pengurusan.

Lebihan bersih daripada takaful semula am ditentukan selepas takaful semula, rizab sumbangan belum terima, tuntutan-tuntutan bersih dan kos-kos pemerolehan, ditolak.

Keuntungan yang boleh diagihkan kepada syarikat-syarikat takaful semula mewakili bahagian mereka ke atas lebihan daripada takaful semula am dan boleh diagihkan berdasarkan terma-terma dan syarat-syarat yang ditentukan oleh Kumpulan.

(i) Pendapatan Sumbangan

Sumbangan daripada peserta-peserta diambilkira pada tahun semasa berdasarkan tarikh tanggungan risiko.

Sumbangan untuk Takaful Semula “Inward Treaty” diiktiraf berdasarkan makluman diterima dari syarikat-syarikat takaful / insuran semula “ceding” dari masa ke semasa.



(ii) Rizab Sumbangan Yang Belum Diperolehi

Rizab sumbangan yang belum diperolehi mewakili bahagian sumbangan bersih daripada sijil-sijil takaful yang belum tamat tempoh pada akhir tahun kewangan.

Untuk menentukan rizab sumbangan yang belum diperolehi pada tarikh kunci kira-kira, kaedah paling tepat untuk menggambarkan sumbangan sebenar yang belum diperolehi digunakan seperti berikut:

(a) Kaedah pembahagian masa untuk Kumpulanwang Takaful Am di Malaysia dan Kumpulanwang Takaful semula Am.

(b) Kaedah 1/8 untuk semua kelas Takaful Am “Inward”.

(iii) Tuntutan

Tanggungan untuk tuntutan belum bayar diiktiraf oleh Kumpulan bagi perniagaan takaful langsung dan takaful semula “inward”. Amaun tuntutan belum bayar adalah anggaran terbaik perbelanjaan diperlukan termasuk belanja-belanja berkaitan ditolak pemulihan untuk menyelesaikan tanggungan kini pada tarikh kunci kira-kira. Sebarang perbezaan di antara kos yang dianggarkan dengan penyelesaian dibuat akan diambilkira di dalam akaun hasil Kumpulan pada tahun di mana penyelesaian dibuat. Peruntukan juga dibuat oleh Kumpulan untuk kos-kos tuntutan, termasuk belanja-belanja berkait yang berlaku tetapi tidak dilaporkan pada tarikh kunci kira-kira, dengan menggunakan kaedah anggaran matematik.

(q) Lain-lain Pendapatan

Pendapatan dari pembiayaan diiktiraf berdasarkan akruan kecuali apabila pembiayaan dianggap tidak-berbayar, iaitu apabila penerima pembiayaan tidak melunaskan pembayaran melebihi enam bulan, oleh yang demikian periktirafan pendapatan secara akruan ditangguhkan. Pendapatan terhadap pembiayaan tidak-berbayar diiktiraf apabila pembayaran dibuat dan pengiktirafan secara akruan hanya akan diteruskan semula apabila kesemua pembayaran yang tidak berbayar dilunaskan.

Pendapatan lain diiktiraf berdasarkan perkadaran tempoh masa setelah diambil kira kadar hasil efektif aset-aset tersebut.

Sewa diiktiraf berdasarkan akruan kecuali apabila pembayaran tidak dilunaskan melebihi enam bulan, apabila ini berlaku, pengiktirafan pendapatan secara akruan ditangguhkan dan ianya hanya diiktiraf apabila pembayaran dibuat. Sewa akan diiktiraf secara akruan hanya apabila kesemua pembayaran yang tidak berbayar dilunaskan.

Dividen diiktiraf apabila hak untuk menerima pembayaran telah dipastikan.

(r) Perbelanjaan pengurusan

Perbelanjaan pengurusan dicajkan kepada Kumpulanwang Pemegang Saham.

(s) Tukaran Matawang Asing

(i) Urusniaga Dalam Matawang Asing

Urusniaga dalam matawang asing diterjemahkan ke Ringgit Malaysia pada kadar tukaran pada tarikh urusniaga tersebut. Aset-aset dan tanggungan kewangan yang dinyatakan pada nilai matawang asing diterjemahkan ke Ringgit Malaysia pada tarikh kunci kira-kira.

Perbezaan tukaran asing yang timbul akibat terjemahan, diiktiraf di dalam penyata pendapatan. Aset-aset dan tanggungan bukan kewangan yang dinyatakan pada




nilai matawang asing dinyatakan pada kos sejarah, diterjemahkan ke Ringgit Malaysia pada kadar tukaran asing pada tarikh urusniaga tersebut.

(ii) Penyata Kewangan bagi Operasi-operasi Asing

Operasi-operasi asing Kumpulan tidak diambilkira sebagai sebahagian daripada operasi Syarikat. Aset-aset dan liabiliti-liabiliti daripada operasi asing, termasuk

muhibah dan pelarasan nilai saksama yang timbul daripada penyatuan, diterjemahkan ke Ringgit Malaysia pada kadar tukaran asing pada tarikh kunci kira-kira. Sebarang hasil dan perbelanjaan daripada operasi-operasi luar negara diterjemahkan ke Ringgit Malaysia pada kadar tukaran purata yang digunakan sepanjang tahun. Perbezaan kadar tukaran asing daripada terjemahan diiktiraf terus ke ekuiti.

Kadar penutup yang digunakan dalam terjemahan aset-aset dan tanggungan kewangan matawang asing dan penyata kewangan operasi asing adalah seperti berikut:

1USD RM3.6828 (2005 : 1USD RM3.80) 1IDR RM0.000395 (2005 : 1IDR RM0.000394) 1SAR RM0.9820 (2005 : 1SAR RM1.01)

(t) Pajakan operasi

Kumpulan mengiktiraf tanggungjawab pembiayaan Ijarah sebagai pajakan operasi. Bayaran pajak di bawah kendalian pajak diiktiraf sebagai perbelanjaan di penyata pendapatan mengikut kaedah garis lurus sepanjang hayat pajak.





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3. Pelaburan dalam anak-anak syarikat Kumpulanwang Pemegang Takaful Takaful Syarikat Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Saham tidak tersiarharga, pada kos 27,002 29,963 1,970========================================

2005 Saham tidak tersiarharga, pada kos 27,002 29,963 1,970

========================================

Butiran mengenai kegiatan-kegiatan utama anak-anak syarikat, negara diperbadankan dan kepentingan Syarikat Takaful Malaysia Berhad adalah seperti berikut:

Negara Kepentingan Nama Syarikat Kegiatan utama diperbadankan efektif 2006 2005 % %

Asean Retakaful International Perniagaan takaful Malaysia 63.09 63.54(L) Ltd. (“ARIL”)** semula keluarga dan am

P.T. Syarikat Takaful Pelaburan Indonesia 56 56

Indonesia*dan anak-anak syarikat

P.T. Asuransi Takaful Perniagaan takaful am Indonesia 56 56Umum*

P.T. Asuransi Takaful Perniagaan takaful keluarga Indonesia 56 56Keluarga*

* Diaudit oleh fi rma selain daripada KPMG Desa Megat & Co. ** Diaudit oleh fi rma berkait dengan KPMG Desa Megat & Co.

4. Pelaburan dalam syarikat bersekutu Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000 Saham tidak tersiarharga, pada kos 757 1,212 504 Pelupusan dalam tahun semasa - - - ___________ ___________ ___________ 757 1,212 504 Bahagian dalam kerugian terkumpul (757) (1,212) (504) selepas pengambilalihan* ___________ ___________ ___________ - - - ========= ========= =========





4. Pelaburan dalam syarikat bersekutu (bersambung) Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2005 RM’000 RM’000 RM’000 Saham tidak tersiarharga, pada kos 1,255 1,392 504 Pelupusan dalam tahun semasa (498) (180) - ___________ ___________ ___________ 757 1,212 504 Bahagian dalam kerugian terkumpul (568) (909) (378) selepas pengambilalihan* ___________ ___________ ___________

189 303 126 ========= ========= ========= Diwakili oleh:

Bahagian aset ketara bersih 147 235 98 Untung/(rugi) terjemahan matawang asing 42 68 28 ___________ ___________ ___________

189 303 126 Muhibah negatif - - - ___________ ___________ ___________ 189 303 126 ========= ========= ========= Syarikat 2006 Saham tidak tersiarharga, pada kos 757 1,212 504 ========= ========= ========= Syarikat 2005 Saham tidak tersiarharga, pada kos 1,255 1,392 504 Pelupusan pada tahun semasa (498) (180) -

___________ ___________ ___________ 757 1,212 504

========= ========= ========= * Bahagian Kumpulan dalam keputusan syarikat-syarikat bersekutu diambilkira menggunakan

kaedah perakaunan ekuiti sehingga penyata kewangan terbaru yang belum diaudit pada 30 Jun 2006.

Syarikat bersekutu Kumpulan adalah seperti berikut: Tahun Kegiatan Negara Kepentingan kewangan

Nama Syarikat utama diperbadankan efektif berakhir 2006 2005 % %

Arabian Malaysian Perniagaan takaful Bahrain 24.5 49 31 Disember Takaful Company keluarga dan

kesihatan




5. Pelaburan 2006 2005(a) Kumpulanwang Pemegang Saham Kos/ Nilai Kos/ Nilai Kumpulan Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000

Tersiarharga: Saham - Di Malaysia 19,364 21,015 - Di luar Malaysia 168 - Elaun rosotnilai (3,545) (4,826) ___________ ___________ 15,987 15,982 16,189 16,199 ----------------- ----------------- ----------------- ----------------- Bon Islam 43,939 15,182 Elaun rosotnilai - - ___________ ___________ 43,939 43,671 15,182 15,134 ----------------- ----------------- ----------------- ----------------- Saham Amanah 6,064 5,959 Elaun rosotnilai bagi nilai saham amanah (2,200) (2,155) ___________ ___________ 3,864 3,719 3,804 3,820 ----------------- ----------------- ----------------- -----------------

Tidak tersiarharga: Saham-saham 878 4,629 ----------------- -----------------

Bon Islam - 22,819 ----------------- ----------------- Lain-lain pelaburan 12,650 11,418 ----------------- ----------------- Deposit dalam pasaran wang: Bank-bank berlesen 124,831 92,132 Syarikat-syarikat kewangan berlesen 10,000 35,000 Lain-lain institusi kewangan 5,000 25,400 ----------------- ----------------- 139,831 152,532 ----------------- ----------------- Jumlah pelaburan 217,149 226,573 ========= ========= Pelaburan matang dalam tempoh lebih dari dua belas bulan 76,210 172,573 ========= =========




5. Pelaburan (bersambung) 2006 2005(a) Kumpulanwang Pemegang Saham Kos/ Nilai Kos/ Nilai Syarikat Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000

Tersiarharga: Saham - Di Malaysia 19,364 20,771 Elaun rosotnilai (3,462) (4,826) ___________ ___________ 15,902 15,902 15,945 15,955 ----------------- ----------------- ----------------- ----------------- Bon Islam 5,691 5,786 Elaun rosotnilai bagi nilai bon Islam - - ___________ ___________ 5,691 5,386 5,786 5,681 ----------------- ----------------- ----------------- ----------------- Saham Amanah 3,526 3,526 Elaun rosotnilai bagi nilai saham amanah (2,200) (2,155) ___________ ___________ 1,326 1,326 1,371 1,387 ----------------- ----------------- ----------------- ----------------- Tidak tersiarharga: Saham-saham 878 878 ----------------- ----------------- Lain-lain pelaburan 11,188 11,418 ----------------- ----------------- Deposit dalam pasaran wang: Bank-bank berlesen 96,439 60,039 Syarikat kewangan berlesen 10,000 35,000 Lain-lain institusi kewangan 5,000 25,400 ___________ ___________ 111,439 120,439 ----------------- ----------------- Jumlah pelaburan 146,424 155,837 ========= ========= Pelaburan matang dalam tempoh lebih dari dua belas bulan 52,714 101,837 ========= =========




5. Pelaburan (bersambung) 2006 2005(b) Kumpulanwang Takaful Keluarga Kos/ Nilai Kos/ Nilai Kumpulan Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000

Sijil-sijil pelaburan Kerajaan Malaysia 375,149 395,742 Diskaun/rosotnilai (11,401) - ___________ ___________ 363,748 359,535 395,742 462,126 ----------------- ----------------- ----------------- ----------------- Tersiarharga: Saham - Di Malaysia 87,399 105,353 Elaun rosotnilai bagi nilai saham tersiarharga (7,571) (15,562) ___________ ___________ 79,828 79,828 89,791 103,860 ----------------- ----------------- ----------------- ----------------- Bon Islam - Di Malaysia 868,267 660,454 Elaun rosotnilai bagi nilai bon Islam tersiarharga (10,957) - ___________ ___________ 857,310 875,007 660,454 714,101 ----------------- ----------------- ----------------- ----------------- Saham Amanah 6,952 10,273 Elaun rosotnilai bagi nilai saham amanah (3,511) (3,492) ___________ ___________ 3,441 3,441 6,781 6,887 ----------------- ----------------- ----------------- ----------------- Tidak tersiarharga: Saham amanah 15,714 15,081 ----------------- ----------------- Lain-lain pelaburan 181 7,781 ----------------- ----------------- Deposit dalam pasaran wang: Bank-bank berlesen 617,688 248,997 Syarikat-syarikat kewangan berlesen 30,500 70,079 Lain-lain institusi kewangan 1,000 259,370 ___________ ___________ 649,188 578,446 ----------------- ----------------- Jumlah pelaburan 1,969,410 1,754,076 ========= ========= Pelaburan matang dalam tempoh lebih daripada dua belas bulan 1,440,713 1,343,374 ========= =========




5. Pelaburan (bersambung) 2006 2005(b) Kumpulanwang Takaful Keluarga Kos/ Nilai Kos/ Nilai Syarikat Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000

Sijil-sijil Pelaburan Kerajaan Malaysia 375,149 395,742 Diskaun/rosotnilai (11,401) - ___________ ___________ 363,748 359,535 395,742 462,126 ----------------- ----------------- ----------------- ----------------- Tersiarharga: Saham - Di Malaysia 87,399 103,159 Elaun rosotnilai bagi nilai saham tersiarharga (7,571) (15,562) ___________ ___________ 79,828 79,828 87,597 101,666 ----------------- ----------------- ----------------- -----------------

Bon Islam 868,267 654,097 Elaun rosotnilai bagi nilai bon Islam tersiarharga (10,957) - ___________ ___________ 857,310 875,007 654,097 707,744 ----------------- ----------------- ----------------- ----------------- Saham Amanah 6,952 6,952 Elaun rosotnilai bagi nilai saham amanah (3,511) (3,492) ___________ ___________ 3,441 3,441 3,460 3,566 ----------------- ----------------- ----------------- ----------------- Tidak tersiarharga: Saham Amanah 15,714 15,081 ----------------- ----------------- Lain-lain pelaburan 181 - ----------------- ----------------- Deposit dalam pasaran wang: Bank-bank berlesen 545,085 205,663 Syarikat kewangan berlesen 30,500 70,079 Lain-lain institusi kewangan 1,000 259,370 ___________ ___________ 576,585 535,112 ----------------- ----------------- Jumlah pelaburan 1,896,807 1,691,089 ========= ========= Pelaburan matang dalam tempoh lebih dua belas bulan 1,440,713 1,329,089 ========= =========




5. Pelaburan (bersambung) 2006 2005(c) Kumpulanwang berkaitan-pelaburan Kos/ Nilai Kos/ Nilai (ILB) Kumpulan dan Syarikat Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000 Tersiarharga: Saham di Malaysia 9,928 9,913 Elaun rosotnilai bagi nilai saham tersiarharga (1,260) (822) ___________ ___________ 8,668 9,140 9,091 9,140 ----------------- ----------------- ----------------- ----------------- Bon Islam 8,074 4,715 Elaun rosotnilai bagi nilai bon Islam tersiarharga (294) (61) ___________ ___________ 7,780 4,728 4,654 4,728 ----------------- ----------------- ----------------- -----------------

Deposit dalam pasaran wang: Bank-bank berlesen 8,015 - ----------------- ----------------- Jumlah pelaburan 24,463 13,745 ========= ========= (d) Kumpulanwang Takaful Am Kumpulan Sijil-sijil pelaburan Kerajaan Malaysia 82,821 89,828 Diskaun/rosotnilai (4,100) - ___________ ___________ 78,721 77,441 89,828 90,042 ----------------- ----------------- ----------------- ----------------- Tersiarharga: Saham - Di Malaysia 24,835 33,036 Elaun rosotnilai bagi nilai saham tersiarharga (1,371) (6,890) ___________ ___________ 23,464 23,464 26,146 27,951 ----------------- ----------------- ----------------- -----------------

Bon Islam - Di Malaysia 84,811 53,422 Elaun rosotnilai bagi nilai bon Islam (2,068) (2,068) ___________ ___________ 82,743 82,581 51,354 51,831 ----------------- ----------------- ----------------- -----------------




5. Pelaburan (bersambung) 2006 2005 (d) Kumpulanwang Takaful Am Kos/ Nilai Kos/ Nilai Kumpulan Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000 Saham Amanah 3,506 3,506 Elaun rosotnilai bagi nilai saham amanah (2,186) (2,139) ___________ ___________ 1,320 1,320 1,367 1,380 ----------------- ----------------- ----------------- ----------------- Deposit dalam pasaran wang: Bank-bank berlesen 199,753 62,293 Syarikat kewangan berlesen - 15,870 Lain-lain institusi kewangan - 61,670 ___________ ___________ 199,753 139,833 ----------------- ----------------- Jumlah pelaburan 386,001 308,528 ========= ========= Pelaburan matang dalam tempoh lebih dua belas bulan 224,343 223,717 ========= =========

Syarikat Sijil-sijil pelaburan Kerajaan Malaysia 82,821 89,828 Diskaun/rosotnilai (4,100) - ___________ ___________ 78,721 77,441 89,828 90,042 ----------------- ----------------- ----------------- ----------------- Tersiarharga: Saham 24,835 33,036 Elaun rosotnilai bagi nilai saham tersiarharga (1,371) (6,890) ___________ ___________ 23,464 23,464 26,146 27,951 ----------------- ----------------- ----------------- ----------------- Bon Islam 84,811 46,886 Elaun rosotnilai bagi nilai bon Islam (2,068) (2,068) ___________ ___________ 82,743 82,581 44,818 45,247 ----------------- ----------------- ----------------- -----------------

Saham Amanah 3,506 3,506 Elaun rosotnilai bagi nilai saham amanah (2,186) (2,139) ___________ ___________ 1,320 1,320 1,367 1,380 ----------------- ----------------- ----------------- -----------------




5. Pelaburan (bersambung) 2006 2005(d) Kumpulanwang Takaful Am Kos/ Nilai Kos/ Nilai Syarikat Penilaian Pasaran Penilaian Pasaran RM’000 RM’000 RM’000 RM’000 Deposit dalam pasaran wang: Bank-bank berlesen 187,435 53,948 Syarikat-syarikat kewangan berlesen - 15,870 Lain-lain institusi kewangan - 61,670 ___________ ___________ 187,435 131,488 ----------------- ----------------- Jumlah pelaburan 373,683 293,647 ========= ========= Pelaburan matang dalam tempoh lebih dua belas bulan 224,343 226,073 ========= =========

6. Pembiayaan Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000 Pembiayaan bercagar 6,509 22,518 10,128 Pembiayaan untuk kakitangan 16,052 - - Elaun bagi pembiayaan diragui (3,943) (7,294) (5,512) ___________ ___________ ___________ Jumlah pembiayaan 18,618 15,224 4,616 ========= ========= ========= Jumlah boleh terima selepas dua belas bulan 16,443 10,257 4,616 ========= ========= ========= 2005

Pembiayaan bercagar 5,489 21,381 10,211 Pembiayaan untuk kakitangan 14,226 - - Elaun bagi pembiayaan diragui (3,944) (7,294) (5,511) ___________ ___________ ___________ Jumlah pembiayaan 15,771 14,087 4,700 ========= ========= ==== ===== Jumlah boleh terima selepas dua belas bulan 14,758 14,003 4,700 ========= ========= =========




6. Pembiayaan (bersambung) Kumpulanwang Pemegang Takaful Takaful Syarikat Saham Keluarga Am 2006 RM’000 RM’000 RM’000 Pembiayaan bercagar 4,333 17,551 10,127 Pembiayaan untuk kakitangan 15,861 - - Elaun bagi pembiayaan diragui (3,943) (7,294) (5,511) ___________ ___________ ___________ Jumlah pembiayaan 16,251 10,257 4,616 ========= ========= ========= Jumlah boleh terima selepas dua belas bulan 16,251 10,257 4,616 ========= ========= ========= 2005

Pembiayaan bercagar 4,333 16,346 10,211 Pembiayaan untuk kakitangan 14,226 - - Elaun bagi pembiayaan diragui (3,944) (7,294) (5,511) ___________ ___________ ___________ Jumlah pembiayaan 14,615 9,052 4,700 ========= ========= ========= Jumlah boleh terima selepas dua belas bulan 13,602 9,052 4,700 ========= ========= =========

7. Penghutang Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Penghutang perniagaan

Jumlah terhutang dari sumbangan - 32,517 109,650 Jumlah terhutang dari syarikat-syarikat takaful semula - 9,467 14,490 ___________ ___________ ___________ - 41,984 124,140 Peruntukan hutang lapuk dan ragu - (21,249) (31,730) ___________ ___________ ___________ - 20,735 92,410 ----------------- ----------------- -----------------




7. Penghutang (bersambung) Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Penghutang lain Hasil pelaburan belum terima 765 19,201 3,289 Cukai boleh diperolehi semula 4,360 - - Deposit 3,984 - - Pendahaluan kepada kumpulanwang takaful semula 5,029 - - Terhutang dari Kumpulanwang Takaful Keluarga (Nota 9) 9,123 - - Terhutang dari Kumpulanwang Takaful Am (Nota 9) 5,290 37,754 - Terhutang dari ILB (Nota 29) 318 - - Pelbagai penghutang 15,524 5,508 8,974 ___________ ___________ ___________ Jumlah penghutang 44,393 83,198 104,673 ========= ========= ========= Kumpulan 2005

Jumlah terhutang dari syarikat-syarikat takaful semula - - 44,885 Takaful semula atas sumbangan belum terima - - 25,955 Cukai boleh diperolehi semula 466 - - Deposit 3,817 - 134 Terhutang dari Kumpulanwang Takaful Keluarga (Nota 9) 724 - - Terhutang dari Kumpulanwang Takaful Am (Nota 9) 13,585 1,346 - Terhutang dari Kumpulanwang Pemegang Saham (Nota 9) - 2,249 - Terhutang dari ILB (Nota 29) 70 - - Pelbagai penghutang 2,486 2,002 4,757 ___________ ___________ ___________ Jumlah penghutang 21,148 5,597 75,731 ========= ========= ========= Syarikat 2006

Penghutang perniagaan

Jumlah terhutang dari sumbangan - 32,517 109,294 Jumlah terhutang dari syarikat-syarikat takaful semula - 3,388 414 ___________ ___________ ___________ - 35,905 109,708 Peruntukan hutang lapuk dan ragu - (21,249) (31,386) ___________ ___________ ___________ - 14,656 78,322 ----------------- ----------------- -----------------



7. Penghutang (bersambung) Kumpulanwang Pemegang Takaful Takaful Syarikat Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Penghutang lain Jumlah terhutang dari anak-anak syarikat 128 - - Jumlah terhutang dari syarikat-syarikat bersekutu 138 - - Hasil pelaburan belum terima 765 19,201 3,289 Cukai boleh diperolehi semula 4,360 - - Deposit 2,302 - - Terhutang dari Kumpulanwang Takaful Keluarga (Nota 9) 8,797 - - Terhutang dari Kumpulanwang Takaful Am (Nota 9) 4,675 37,754 - Terhutang dari ILB (Nota 29) 318 - - Pelbagai penghutang 2,784 4,900 678 ___________ ___________ ___________ 24,267 61,855 3,967 ----------------- ----------------- ----------------- Jumlah penghutang 24,267 76,511 82,289 ========= ========= ========= Syarikat 2005

Jumlah terhutang dari anak-anak syarikat 123 - - Jumlah terhutang dari syarikat-syarikat bersekutu 69 - - Jumlah terhutang dari syarikat-syarikat takaful semula - - 42,948 Takaful semula atas sumbangan belum terima - - 25,955 Cukai boleh diperolehi semula 466 - - Deposit 2,137 - 134 Terhutang dari Kumpulanwang Takaful Keluarga (Nota 9) 724 - - Terhutang dari Kumpulanwang Takaful Am (Nota 9) 13,585 1,346 - Terhutang dari Kumpulanwang Pemegang Saham (Nota 9) - 2,249 - Terhutang dari ILB (Nota 29) 70 - - Pelbagai penghutang 1,376 1,452 295 ___________ ___________ ___________ Jumlah penghutang 18,550 5,047 69,332 ========= ========= =========

Jumlah terhutang dari anak-anak syarikat dan syarikat-syarikat bersekutu tidak terbit daripada urusniaga harian, tidak bercagar, tiada kadar caj dan tiada tempoh pembayaran yang tetap.





8. Tunai dan baki di bank Kumpulan Syarikat 2006 2005 2006 2005 Kumpulanwang Pemegang Saham RM’000 RM’000 RM’000 RM’000

Akaun semasa dengan syarikat berkait (Institusi kewangan Islam) 11,978 1,116 5,679 1,116 Lain-lain akaun semasa 52 3,925 52 - ___________ ___________ ___________ ___________ 12,030 5,041 5,731 1,116 ========= ========= ========= ========= Kumpulanwang Takaful Keluarga Akaun semasa dengan syarikat berkait (Institusi kewangan Islam) 7,139 15,897 471 11,562 Lain-lain akaun semasa - 4,200 - 4,432 ___________ ___________ ___________ ___________ 7,139 20,097 471 15,994 ========= ========= ========= ========= Kumpulanwang Takaful Am Akaun semasa dengan syarikat berkait (Institusi kewangan Islam) 3,674 (1,219) 2,270 (1,219)

Lain-lain akaun semasa 3,061 10,248 260 5,257 ___________ ___________ ___________ ___________ 6,735 9,029 2,530 4,038 ========= ========= ========= =========

9. Pemiutang Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Jumlah terhutang kepada syarikat-syarikat takaful semula - 8,238 54,961 Jumlah terhutang kepada syarikat-syarikat berkait 81 - - Sumbangan takaful terdahulu - 30,007 8,040 Keuntungan yang akan dibayar kepada peserta-peserta - 5,622 4,974 Deposit belum bayar 629 - - Zakat belum bayar 3,142 - - Tuntutan belum bayar 2,745 - - Wang tidak dituntut - - 232 Terhutang kepada Kumpulanwang Takaful Keluarga (Nota 7) - - 37,754 Terhutang kepada Kumpulanwang Pemegang Saham (Nota 7) - 9,123 5,290 Terhutang kepada ILB (Nota 29) - 4 1 Pelbagai pemiutang dan akruan 61,058 - 17,571 Pelan Takaful Pelajaran belum bayar - 1,057 - Pelbagai pemiutang 2,650 27,397 30,942 ___________ ___________ ___________ Jumlah pemiutang 70,305 81,448 159,765 ========= ========= =========




9. Pemiutang (bersambung) Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2005 RM’000 RM’000 RM’000

Jumlah terhutang kepada syarikat-syarikat takaful semula - 1,570 64,557 Sumbangan takaful terdahulu - 7,214 2,372 Keuntungan yang akan dibayar kepada peserta-peserta - 2,144 10,385 Deposit belum bayar 629 1,693 493 Zakat belum bayar 2,464 - - Wang tidak dituntut - 1,212 232 Terhutang kepada Kumpulanwang Takaful Keluarga (Nota 7) 2,249 - 1,346 Terhutang kepada Kumpulanwang Pemegang Saham (Nota 7) - 724 13,585 Terhutang kepada ILB (Nota 29) - 43 25 Pelbagai pemiutang dan akruan 24,394 - 12,760 Pelan Takaful Pelajaran belum bayar - 988 - Pelbagai pemiutang 34,251 3,943 8,275 ___________ ___________ ___________ Jumlah pemiutang 63,987 19,531 114,030 ========= ========= =========

Kumpulan 2006 2005 Terhutang kepada syarikat berkait RM’000 RM’000 Deposit 1,871 1,872 Pembiayaan Al-Bai Bithaman Ajil yang akan dibayar dalam tempoh satu tahun 110 110 ___________ ___________ 1,981 1,982 ========= ========= Pembiayaan Al-Bai Bithaman Ajil yang akan dibayar dalam tempoh lebih dari satu tahun 81 82 ========= =========

Pembiayaan Al-Bai Bithaman Ajil diperolehi daripada Bank Islam Malaysia Berhad, syarikat berkait, pada kadar keuntungan di antara 6.5% hingga 6.75% (2005 - 6.5% hingga 6.75%) setahun, dan dicagar dengan hartanah, loji dan peralatan tertentu Kumpulan dan Syarikat seperti yang dinyatakan dalam Nota 2(d).




9. Pemiutang (bersambung) Kumpulanwang Pemegang Takaful Takaful Syarikat Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Jumlah terhutang kepada syarikat-syarikat berkait 81 - - Jumlah terhutang kepada syarikat-syarikat takaful semula - 8,238 54,226 Sumbangan takaful terdahulu - 30,007 8,040 Keuntungan yang akan dibayar kepada peserta-peserta - 5,622 4,974 Deposit belum bayar 629 - - Zakat belum bayar 2,067 - - Wang tidak dituntut - - 232 Terhutang kepada Kumpulanwang Takaful Keluarga (Nota 7) - - 37,754 Terhutang kepada Kumpulanwang Pemegang Saham (Nota 7) - 8,797 4,675 Terhutang kepada ILB (Nota 29) - - 1 Pelbagai pemiutang dan akruan 20,079 4 25 Pelan Takaful Pelajaran belum bayar - 1,057 - Pelbagai pemiutang 2,650 21,706 29,772 ___________ ___________ ___________ Jumlah pemiutang 25,506 75,431 139,699 ========= ========= ========= Syarikat 2005

Jumlah terhutang kepada syarikat-syarikat berkait 192 - - Jumlah terhutang kepada syarikat-syarikat takaful semula - 638 56,568 Sumbangan takaful terdahulu - 7,214 2,372 Keuntungan yang akan dibayar kepada peserta-peserta - 2,144 10,385 Deposit belum bayar 629 1,693 493 Zakat belum bayar 1,915 - - Wang tidak dituntut - 1,212 232 Terhutang kepada Kumpulanwang Takaful Keluarga (Nota 7) 2,249 - 1,346 Terhutang kepada Kumpulanwang Pemegang Saham (Nota 7) - 724 13,585 Terhutang kepada ILB (Nota 29) - 43 25 Pelbagai pemiutang dan akruan 22,125 - 10,861 Pelan Takaful Pelajaran belum bayar - 988 - Pelbagai pemiutang 1,335 2,607 6,954 ___________ ___________ ___________ Jumlah pemiutang 28,445 17,263 102,821 ========= ========= =========



9. Pemiutang (bersambung)

Syarikat 2006 2005 Terhutang kepada syarikat berkait RM’000 RM’000 Deposit 1,871 1,872 Pembiayaan Al-Bai Bithaman Ajil yang akan dibayar dalam tempoh satu tahun 110 110 ___________ ___________ 1,981 1,982 ========= ========= Pembiayaan Al-Bai Bithaman Ajil yang akan dibayar dalam tempoh lebih dari satu tahun 81 82 ========= =========

Pembiayaan Al-Bai Bithaman Ajil diperolehi daripada Bank Islam Malaysia Berhad, syarikat berkait, pada kadar keuntungan di antara 6.5% hingga 6.75% (2005 - 6.5% hingga 6.75%) setahun, dan dicagar dengan hartanah, loji dan peralatan tertentu Kumpulan dan Syarikat seperti yang dinyatakan dalam Nota 2(d).

10. Tuntutan belum bayar 2006 2005 Takaful Takaful

Kumpulan Keluarga Am Keluarga Am RM’000 RM’000 RM’000 RM’000 RM’000Tuntutan belum bayar 50,803 152,671 41,027 140,122Tuntutan kembali takaful semula (1,885) (54,090) (3,280) (44,885) ___________ ___________ ___________ ___________Tuntutan bersih yang belum dibayar 48,918 98,581 37,747 95,237 ========= ========= ========= =========Syarikat Tuntutan belum bayar 47,545 130,374 39,276 125,571Tuntutan kembali takaful semula (1,885) (45,197) (3,280) (42,948) ___________ ___________ ___________ ___________Tuntutan bersih yang belum dibayar 45,660 85,177 35,996 82,623 ========= ========= ========= =========





11. Cukai tertunda

Kumpulanwang Pemegang Saham

Jumlah setelah dioffsetkan sewajarnya adalah seperti berikut: Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Aset cukai tertunda (13,650) (15,498) (13,650) (15,389)Tanggungan cukai tertunda 4,000 1,848 4,000 1,839 ___________ ___________ ___________ ___________Aset cukai tertunda (bersih) (9,650) (13,650) (9,650) (13,550) ========= ========= ========= =========

Tanggungan cukai tertunda dan aset dioffsetkan di mana terdapat hak yang sah untuk mengoffsetkan aset cukai semasa ke atas tanggungan cukai semasa.


Hartanah, loji dan peralatan - elaun modal 4,851 1,848 4,738 1,839Elaun-elaun (14,501) (15,498) (14,388) (15,389) ___________ ___________ ___________ ___________Aset cukai tertunda (bersih) (9,650) (13,650) (9,650) (13,550) ========= ========= ========= =========

12. Kepentingan pemegang saham minoriti

Kepentingan pemegang saham minoriti terdiri daripada bahagian pemegang saham ke atas modal saham dan rizab di dalam anak-anak syarikat.




13. Kumpulanwang Takaful Keluarga


Akaun Peserta (PA)

Pada awal tahun 1,344,838 1,213,990 1,302,658 1,161,565Tambah: Kenaikan dalam PA 86,497 120,654 79,025 103,690 ___________ ___________ ___________ ___________ 1,431,335 1,334,644 1,381,683 1,265,255 Keuntungan yang boleh diagihkan kepada peserta-peserta 38,468 30,358 39,493 31,257 Elaun rosotnilai pelaburan 3,908 6,955 3,908 6,146 Baki antara dana 5,212 (27,119) - - ___________ ___________ ___________ ___________Pada akhir tahun 1,478,923 1,344,838 1,425,084 1,302,658 ========= ========= ========= ========

Akaun Khas Peserta (PSA)

Pada awal tahun 473,765 432,308 477,970 430,967Tambah: Kenaikan dalam PSA 26,022 30,716 25,641 32,812 ___________ ___________ ___________ ___________ 499,787 463,024 503,611 463,779Keuntungan yang boleh diagihkan kepada peserta-peserta 17,735 13,198 18,206 13,198 Elaun rosotnilai pelaburan 2,963 993 2,963 993 Baki antara dana 1,846 (3,450) - - ___________ ___________ ___________ ___________ Pada akhir tahun 522,331 473,765 524,780 477,970 ========= ========= ========= ========= Kumpulanwang Takaful Keluarga Berkelompok (GFTA)

Pada awal tahun 122,390 101,580 122,509 101,479Keuntungan yang boleh diagihkan kepada peserta-peserta 8,444 11,328 11,315 11,328 ___________ ___________ ___________ ___________ 130,834 112,908 133,824 112,807 ----------------- ----------------- ----------------- -----------------Pergerakan dalam rizab sumbangan yang belum terima: - Pada awal tahun (65,653) (57,514) (65,060) (57,004) - Pada akhir tahun 82,408 65,653 80,205 65,060 ___________ ___________ ___________ ___________ 16,755 8,139 15,145 8,056 ----------------- ----------------- ----------------- -----------------




13. Kumpulanwang Takaful Keluarga (bersambung)


Pergerakan dalam elaun rosotnilai pelaburan- Pada awal tahun (5,758) (4,112) (5,758) (4,112)- Pada akhir tahun 9,145 5,758 9,145 5,758 ___________ ___________ ___________ ___________ 3,387 1,646 3,387 1,646 ----------------- ----------------- ----------------- -----------------Baki antara dana 533 (303) - - ----------------- ----------------- ----------------- -----------------Pada akhir tahun 151,509 122,390 152,356 122,509 ========= ========= ========= =========Kumpulanwang Takaful Keluarga Pada akhir tahun 2,152,763 1,940,993 2,102,220 1,903,137 ========= ========= ========= ========= Penilaian berkanun telah dibuat ke atas Kumpulanwang Takaful Keluarga Syarikat bagi tahun berakhir 30 Jun 2006 dan ianya telah menunjukkan lebihan sebanyak RM17,117,665 (2005 - RM37,678,103) bagi Akaun Khas Peserta (PSA).

14. Kumpulanwang Takaful Am


Lebihan akaun hasil terkumpul 70,911 65,445 78,789 68,823Rizab sumbangan yang belum diterima (Nota 15) 187,283 149,319 180,410 143,205Elaun rosotnilai pelaburan 23,061 19,015 23,061 19,015Baki antara dana 7,108 (2,348) - - ___________ ___________ ___________ ___________ 288,363 231,431 282,260 231,043 ========= ========= ========= =========

Lebihan akaun hasil terkumpul Pada 1 Julai 2005/2004 65,445 50,925 68,823 46,237 Lebihan bersih boleh diagihkan kepada peserta-peserta pada tahun semasa 40,407 45,120 44,044 53,186 Keuntungan dibayar kepada peserta- peserta pada tahun semasa (34,941) (30,600) (34,078) (30,600) ___________ ___________ ___________ ___________ Baki pada 30 Jun 70,911 65,445 78,789 68,823 ========= ========= ========= =========




15. Rizab sumbangan yang belum diterima Marin, UdaraKumpulan Kebakaran Motor & Transit Pelbagai Jumlah 2006 RM’000 RM’000 RM’000 RM’000 RM’000

Pada awal tahun 103,052 24,641 5,376 16,250 149,319Penambahan/(penurunan) dalam rizab sumbangan yang belum diterima 19,202 12,212 (678) 7,228 37,964 ___________ ___________ ___________ ___________ ___________Pada akhir tahun 122,254 36,853 4,698 23,478 187,283 ----------------- ----------------- ----------------- ----------------- -----------------2005Pada awal tahun 87,832 27,701 3,761 13,798 133,092Penambahan/(penurunan) dalam rizab sumbangan yang belum diterima 15,220 (3,060) 1,615 2,452 16,227 ___________ ___________ ___________ ___________ ___________Pada akhir tahun 103,052 24,641 5,376 16,250 149,319 ----------------- ----------------- ----------------- ----------------- -----------------

Syarikat2006

Pada awal tahun 102,432 21,156 4,406 15,211 143,205Penambahan/(penurunan) dalam rizab sumbangan yang belum diterima 19,255 10,525 (745) 8,171 37,206 ___________ ___________ ___________ ___________ ___________Pada akhir tahun 121,687 31,681 3,661 23,382 180,411 ----------------- ----------------- ----------------- ----------------- -----------------

2005 Pada awal tahun 87,188 23,453 2,788 13,142 126,571 Penambahan/(penurunan) dalam rizab sumbangan yang belum diterima 15,244 (2,297) 1,618 2,069 16,634 ___________ ___________ ___________ ___________ ___________Pada akhir tahun 102,432 21,156 4,406 15,211 143,205 ----------------- ----------------- ----------------- ----------------- -----------------




16. Modal saham

Kumpulan dan Syarikat

2006 2005 RM’000 RM’000

Saham biasa RM1.00 setiap satu Dibenarkan 500,000 500,000 ========= ========= Diterbitkan dan dibayar penuh Baki awal pada 1 Julai 152,643 143,000 Terbitan saham: - tunai - 9,643 ___________ ___________ Baki akhir pada 30 Jun 152,643 152,643 ========= =========

17. Dividen

2006 2005 RM’000 RM’000

Dividen biasa Dibayar - akhir: 2005 -7.5% sesaham ditolak cukai 8,243 6,292

(2004 - 6% sesaham ditolak cukai) ========= =========

Pada Mesyuarat Agung Tahunan yang akan datang, dividen akhir bagi tahun kewangan berakhir 30 Jun 2006 sebanyak 8.5% atas 152,643,000 saham biasa ditolak 28% cukai berjumlah

RM9,341,752 (8.5 sen sesaham) akan dicadangkan untuk kelulusan para pemegang saham.

Cadangan dividen ini tidak memberi kesan kepada penyata kewangan tahun semasa. Dividen ini, jika diluluskan oleh para pemegang saham akan diambilkira di dalam ekuiti pemegang saham sebagai pembahagian keuntungan tertahan bagi tahun kewangan berakhir 30 Jun 2007.




18. Pendapatan operasi

Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am Jumlah2006 RM’000 RM’000 RM’000 RM’000

Sumbangan kasar - 451,806 395,414 847,220Pendapatan pelaburan (Nota 19) 12,532 96,389 13,000 121,921 ___________ ___________ ___________ ___________ 12,532 548,195 408,414 969,141 ========= ========= ========= =========2005 Sumbangan kasar - 407,562 307,900 715,462Pendapatan pelaburan (Nota 19) 14,939 83,600 8,363 106,902 ___________ ___________ ___________ ___________ 14,939 491,162 316,263 822,364 ========= ========= ========= =========Syarikat2006Sumbangan kasar - 375,074 341,874 716,948 Pendapatan pelaburan (Nota 19) 8,381 96,307 11,734 116,422 ___________ ___________ ___________ ___________ 8,381 471,381 353,608 833,370 ========= ========= ========= =========

2005Sumbangan kasar - 357,145 264,787 621,932Pendapatan pelaburan (Nota 19) 7,000 80,640 7,807 95,447 ___________ ___________ ___________ ___________ 7,000 437,785 272,594 717,379 ========= ========= ========= =========

19. Pendapatan pelaburan Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Sijil-sijil pelaburan Islam Kerajaan - 9,191 2,056 Bon Islam 449 52,668 4,300 Deposit dalam pasaran wang 7,852 23,822 6,191 Pembiayaan - Dengan sekuriti 36 1,027 288 - Kakitangan 480 - - Keuntungan/(Rugi) dari pelupusan pelaburan (102) (11,537) (4,195) Dividen kasar saham-saham diluluskan Syariah - Tersiarharga di Malaysia - 3,682 1,117 - Tidak tersiarharga di Malaysia 219 628 - Lain-lain pendapatan dividen 1,183 2,225 34 Pendapatan sewa 2,415 14,683 3,209 ___________ ___________ ___________ Jumlah pendapatan pelaburan 12,532 96,389 13,000 ========= ========= =========




19. Pendapatan pelaburan (bersambung) Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2005 RM’000 RM’000 RM’000

Sijil-sijil pelaburan Islam Kerajaan - 8,402 1,012 Bon Islam - 43,610 2,167 Deposit dalam pasaran wang 9,799 22,390 4,959 Pembiayaan - Dengan sekuriti 598 558 222 - Kakitangan 499 433 - Dividen kasar saham-saham diluluskan Syariah - Tersiarharga di Malaysia 542 3,069 952 - Tidak tersiarharga di Malaysia 216 633 - Keuntungan/(Rugi) dari pelupusan pelaburan 494 (3,280) (3,503) Lain-lain pendapatan dividen 507 212 7 Pendapatan sewa 3,010 7,573 2,547 Elaun bagi pembiayaan diragui (726) - - ___________ ___________ ___________ Jumlah pendapatan pelaburan 14,939 83,600 8,363 ========= ========= =========

Syarikat 2006 Sijil-sijil pelaburan Islam Kerajaan - 9,191 784 Bon Islam 449 57,725 4,861 Deposit dalam pasaran kewangan 3,701 21,097 5,420 Pembiayaan - Dengan sekuriti 36 788 287 - Kakitangan 480 - - Dividen kasar saham-saham diluluskan Syariah - Tersiarharga di Malaysia - 3,682 - - Tidak tersiarharga di Malaysia 219 625 - Keuntungan/(Rugi) daripada pelupusan pelaburan (102) (11,537) (4,070) Lain-lain pendapatan dividen 1,183 843 1,306 Pendapatan sewa 2,415 13,893 3,146 ___________ ___________ ___________ Jumlah pendapatan pelaburan 8,381 96,307 11,734 ========= ========= =========



19. Pendapatan pelaburan (bersambung) Kumpulanwang Pemegang Takaful Takaful Syarikat Saham Keluarga Am 2005 RM’000 RM’000 RM’000

Sijil-sijil pelaburan Islam Kerajaan - 8,402 1,012 Bon Islam - 43,523 2,167 Deposit dalam pasaran kewangan 3,402 20,211 4,403 Pembiayaan - Dengan sekuriti 98 558 222 - Kakitangan 499 - - Dividen kasar saham-saham diluluskan Syariah - Tersiarharga di Malaysia 542 3,069 952 - Tidak tersiarharga di Malaysia 216 633 - Keuntungan/(Rugi) daripada pelupusan pelaburan 494 (3,280) (3,503) Lain-lain pendapatan dividen 7 94 7 Pendapatan sewa 2,468 7,430 2,547 Elaun bagi pembiayaan diragui (726) - - ___________ ___________ ___________ Jumlah pendapatan pelaburan 7,000 80,640 7,807 ========= ========= =========

20. Lain-lain pendapatan operasi Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Pendapatan dari ILB - caj perkhidmatan dan Pengurusan 582 - - Pendapatan pelbagai 5,245 180 982 ___________ ___________ ___________ 5,827 180 982 ========= ========= ========= 2005 Keuntungan dari pelupusan pelaburan 949 3,913 - Pendapatan dari ILB - caj perkhidmatan dan pengurusan 648 - - Pendapatan pelbagai 7,070 210 152 ___________ ___________ ___________ 8,667 4,123 152 ========= ========= =========




20. Lain-lain pendapatan operasi (bersambung) Kumpulanwang Pemegang Takaful Takaful Syarikat Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Pendapatan pelbagai 3,556 180 329 ========= ========= ========= 2005Keuntungan dari pelupusan pelaburan 949 3,840 - Pendapatan dari ILB - caj perkhidmatan dan pengurusan 648 - - Pendapatan pelbagai 3,838 210 152 ___________ ___________ ___________ 5,435 4,050 152 ========= ========= =========

21. Perbelanjaan pengurusan Kumpulan Syarikat 2006 2005 2006 2005 Kumpulanwang Pemegang Saham RM’000 RM’000 RM’000 RM’000

Kos-kos kakitangan 69,185 69,697 56,088 54,945 Ganjaran para pengarah - Gaji dan emolumen 536 910 449 512 - Manfaat seumpamanya 113 222 113 222 - Yuran 116 237 82 92 Ganjaran Ahli Pengawasan Syariah - Emolumen 86 8 42 8 - Manfaat seumpamanya 42 21 1 21 - Yuran 111 149 82 75 ___________ ___________ ___________ ___________ 70,189 71,244 56,857 55,875 ----------------- ----------------- ----------------- ----------------- Susutnilai 8,997 6,914 7,053 5,381 Yuran audit - Juru audit syarikat induk 402 98 350 98 - Lain-lain juru audit 43 20 - - Yuran pelesenan 232 116 102 111 Yuran perundangan 31 260 22 205 Yuran professional 1,818 1,431 1,718 1,431 Sewa hartanah 14,987 10,445 14,489 10,075 Lain-lain perbelanjaan 4,748 5,253 3,159 2,562 ___________ ___________ ___________ ___________ 31,258 24,537 26,893 19,863 ----------------- ----------------- ----------------- ----------------- Jumlah perbelanjaan pengurusan 101,447 95,781 83,750 75,738 ========= ========= ========= ========= Semua perbelanjaan pengurusan dicajkan kepada Kumpulanwang Pemegang Saham. Anggaran

nilai manfaat barangan kepada para pengarah yang tidak termasuk di atas bernilai RM15,200 (2005-RM13,000).




22. Lain-lain perbelanjaan operasi

Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am 2006 RM’000 RM’000 RM’000

Perbelanjaan pelaburan 757 4,533 1,351 Perbelanjaan pentadbiran dan am 28,488 6,725 5,628 Peruntukan hutang lapuk dan ragu - 21,304 49,079 ___________ ___________ ___________ 29,245 32,562 56,058 ========= ========= ========= 2005 Perbelanjaan pelaburan 658 3,942 1,175 Perbelanjaan pentadbiran dan am 25,455 2,770 6,578 ___________ ___________ ___________ 26,113 6,712 7,753 ========= ========= ========= Syarikat 2006 Perbelanjaan pelaburan 646 8,417 1,593 Perbelanjaan pentadbiran dan am 11,944 2,762 5,434 Peruntukan hutang lapuk dan ragu - 21,304 49,079 ___________ ___________ ___________ 12,590 32,483 56,106 ========= ========= ========= 2005 Perbelanjaan pelaburan 658 3,942 1,200 Perbelanjaan pentadbiran dan am 11,499 2,770 2,049 ___________ ___________ ___________ 12,157 6,712 3,249 ========= ========= =========

23. Ganjaran Para Pengarah


Para Pengarah Syarikat Eksekutif: Ganjaran dan lain-lain emolumen 352 570 332 423 Manfaat seumpamanya 45 27 8 23 ___________ ___________ ___________ ___________ 397 597 340 446 ----------------- ----------------- ----------------- -----------------





23. Ganjaran Para Pengarah (bersambung) Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Bukan Eksekutif: Lain-lain emolument 209 89 117 89 Yuran-yuran 211 237 82 92 Manfaat barangan 331 446 105 199 ___________ ___________ ___________ ___________ 751 772 304 380 ----------------- ----------------- ----------------- ----------------- Jumlah 1,148 1,369 644 826 ========= ========= ========= =========

Bilangan para Pengarah Syarikat di mana manfaat bagi tahun semasa adalah mengikut lingkungan-lingkungan berikut:

Bilangan Pengarah Bukan Eksekutif Eksekutif 2006 Sifar hingga RM50,000 - 6 RM50,001 hingga RM100,000 - 3 RM100,001 hingga RM250,000 1 - Melebihi RM250,000 1 -

2005 Di bawah RM50,000 - 8 Melebihi RM250,000 1 -

24. Maklumat Kakitangan Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Kos-kos kakitangan 69,185 69,697 56,088 54,945 ========= ========= ========= =========

Bilangan kakitangan Kumpulan dan Syarikat (termasuk Pengarah Eksekutif) pada akhir tahun adalah masing-masing 2,472 (2005 - 2,408) dan 1,871 (2005 - 1,883).

Kos-kos kakitangan Kumpulan dan Syarikat termasuk sumbangan kepada Kumpulan Wang Simpanan Kakitangan masing-masing berjumlah RM6,039,652 (2005 - RM5,029,931) dan RM5,821,425 (2005 - RM4,832,162).




25. Manfaat Kakitangan

Manfaat pampasan ekuiti

Pelan Opsyen Saham Kumpulan menawarkan opsyen saham berkepentingan untuk saham-saham biasa kepada para

pengarah dan kakitangan-kakitangan yang telah berkhidmat lebih dari setahun. Pergerakan bilangan opsyen saham yang dipegang oleh kakitangan-pekerja adalah seperti berikut:

2006 2005 RM’000 RM’000

Pada 1 Julai 2005/2004 12,895 13,563 Diterbitkan dalam tahun semasa - - Dilaksanakan - (43) Peluputan saham (266) (625) ___________ ___________ Baki pada 30 Jun 12,629 12,895 ========= =========

Butiran opsyen sepanjang tahun: Tarikh luput 2/11/2008 2/11/2008 Harga pelaksanaan sesaham (RM) 1.20 1.20 Perolehan agregat jika saham dilaksanakan (RM) 15,474 15,474 Syarat-syarat bagi opsyen yang belum dilaksanakan pada 30 Jun 2006: Tarikh luput Harga pelaksanaan Bilangan

2 November 2008 RM1.20 12,629

26. Cukai

Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000 Perbelanjaan cukai semasa Malaysia - tahun semasa 520 5,229 562 5,229 Luar negara - tahun semasa - 22 - - ___________ ___________ ___________ ___________ 520 5,251 562 5,229 Perbelanjaan cukai tertunda Perubahan dalam dasar perakaunan 4,000 (1,809) 4,000 (1,765)

` ___________ ___________ ___________ ___________ 4,520 3,442 4,562 3,464 ========= ========= ========= =========




26. Cukai (bersambung)

Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000 Penyesuaian kadar cukai efektif Keuntungan sebelum cukai 44,288 32,596 35,449 37,437 ========= ========= ========= ========= Cukai mengikut kadar cukai di Malaysia 12,401 9,127 9,926 10,414

Kesan dari perbezaan kadar cukai (6,872) (5,456) (7,299) (4,380) Kesan dari perbezaan kadar cukai mengikut perundangan asing 2,515 1,859 - - Perbelanjaan yang tidak dibenarkan (3,524) (2,088) 1,935 (2,570) ___________ ___________ ___________ ___________ Perbelanjaan cukai 4,520 3,442 4,562 3,464 ========= ========= ========= =========

27. Perolehan sesaham - Kumpulan

Perolehan sesaham asas

Pengiraan perolehan sesaham asas dibuat berdasarkan keuntungan bersih tahun semasa kepada pemegang saham biasa berjumlah RM33,362,691 (2005 - RM27,612,437) dengan bilangan saham biasa dalam terbitan sepanjang tahun berjumlah 152,643,000 (2005 - 146,612,089).

Bilangan purata berwajaran saham biasa 2006 2005

RM’000 RM’000 Saham biasa diterbitkan pada awal tahun 152,643 143,000 Kesan terbitan saham-saham baru - 3,612 ___________ ___________ Bilangan purata berwajaran saham biasa 152,643 146,612 ========= ========= Perolehan sesaham tercair

Kesan ke atas perolehan sesaham asas bagi tahun kewangan di dalam kajian daripada pelaksanaan Skim Opsyen Saham Kakitangan adalah anti-kecairan. Oleh kerana itu, perolehan sesaham tercair bagi tahun kewangan di dalam kajian tidak ditunjukkan.




28. Tuntutan bersih Marin, udaraKumpulan Kebakaran Motor & transit Pelbagai Jumlah2006 RM’000 RM’000 RM’000 RM’000 RM’000

Tuntutan kasar 87,925 22,877 37,160 65,516 213,478Tuntutan kembali takaful semula (56,889) (2,111) (21,665) (41,377) (122,042)Peruntukan hutang lapuk (19,149) (208) (9,889) (5,124) (34,370) ___________ ___________ ___________ ___________ ___________Tuntutan bersih dibayar 11,887 20,558 5,606 19,015 57,066Tuntutan bersih belum bayar:Pada akhir tahun 11,614 38,446 8,342 35,569 93,971Pada awal tahun (10,463) (34,636) (7,514) (31,926) (84,539) ___________ ___________ ___________ ___________ ___________Tuntutan bersih 13,038 24,368 6,434 22,658 66,498 ========= ========= ========= ========= =========2005Tuntutan kasar 26,297 26,373 30,086 30,520 113,276Tuntutan kembali takaful semula (14,470) (522) (27,548) (8,065) (50,605) ___________ ___________ ___________ ___________ ___________Tuntutan bersih dibayar 11,827 25,851 2,538 22,455 62,671Tuntutan bersih belum bayar:Pada akhir tahun 10,463 34,636 7,514 31,926 84,539Pada awal tahun (10,635) (38,758) (6,349) (31,061) (86,803) ___________ ___________ ___________ ___________ ___________Tuntutan bersih 11,655 21,729 3,703 23,320 60,407 ========= ========= ========= ========= =========Syarikat2006Tuntutan kasar 9,613 15,766 33,059 14,551 72,989Tuntutan kembali takaful semula (34) 899 (25,854) 2,333 (22,656) ___________ ___________ ___________ ___________ ___________Tuntutan bersih dibayar 9,579 16,665 7,205 16,884 50,333Tuntutan bersih belum bayar:Pada akhir tahun 9,694 34,039 6,040 35,403 85,176Pada awal tahun (10,332) (33,016) (7,469) (31,759) (82,576) ___________ ___________ ___________ ___________ ___________Tuntutan bersih 8,941 17,688 5,776 20,528 52,933 ========= ========= ========= ========= =========2005Tuntutan kasar 21,579 20,507 29,875 26,559 98,520Tuntutan kembali takaful semula (14,165) (264) (27,484) (7,381) (49,294) ___________ ___________ ___________ ___________ ___________Tuntutan bersih dibayar 7,414 20,243 2,391 19,178 49,226Tuntutan bersih belum bayar:Pada akhir tahun 10,332 33,016 7,469 31,759 82,576Pada awal tahun (10,493) (37,001) (6,301) (30,880) (84,675) ___________ ___________ ___________ ___________ ___________Tuntutan bersih 7,253 16,258 3,559 20,057 47,127 ========= ========= ========= ========= =========




29. Perniagaan berkaitan pelaburan (ILB)

Kunci Kira-Kira pada 30 Jun 2006 Kumpulan dan Syarikat

2006 2005 Aset-aset RM’000 RM’000

Pelaburan (Nota 5) 24,463 13,745 Tunai dan baki di bank 652 8,172 Pelbagai penghutang 637 228 Terhutang daripada Kumpulanwang Takaful Keluarga (Nota 9) 4 43 Terhutang daripada Kumpulanwang Takaful Am (Nota 9) 1 25 ___________ ___________ Jumlah aset-aset ILB 25,757 22,213 ----------------- ----------------- Tanggungan Tuntutan-tuntutan belum bayar 250 89 Sumbangan takaful terdahulu 165 362 Pelbagai pemiutang 360 38 Terhutang kepada Kumpulanwang Pemegang Saham (Nota 7) 318 70 ___________ ___________ Jumlah tanggungan ILB 1,093 559 ----------------- ----------------- Nilai aset bersih 24,664 21,654 ========= ========= Diwakili oleh: Akaun peserta-peserta: Pada awal tahun 21,654 16,835 Pergerakan dalam rizab sumbangan yang belum terima 22 - Lebihan pada tahun semasa 2,988 4,819 ___________ ___________ Pada akhir tahun 24,664 21,654 ========= =========

Akaun Hasil bagi Tahun Berakhir 30 Jun 2006

Sumbangan kasar 6,978 6,531 Sumbangan belum bayar (43) - Takaful semula (25) (2) ___________ ___________ Sumbangan bersih 6,910 6,529 Sumbangan yang belum terima (22) - ___________ ___________ Sumbangan tersimpan bersih 6,888 6,529 ----------------- -----------------




29. Perniagaan berkaitan pelaburan (ILB) (bersambung)


2006 2005 RM’000 RM’000

Manfaat dibayar dan belum dibayar Kematian (167) (122) Serahan (1,885) (1,164) Penebusan unit-unit Tabarru’ (346) (319) Pengeluaran sebahagian (344) (72) Caj perkhidmatan (252) (380) Lain-lain perbelanjaan (126) (361) Pencapaian akademik (22) - ___________ ___________ (3,142) (2,418) ----------------- ----------------- 3,746 4,111 Kumpulanwang tersimpan - Keluarga Individu ILB 3,052 3,891 Keuntungan pengunderaitan - Keluarga Berkelompok ILB 694 220

3,746 4,111 ----------------- ----------------- Keuntungan pengunderaitan - Keluarga Berkelompok ILB 694 220 Pendapatan pelaburan 740 1,887 Lain-lain pendapatan 9 2 Lain-lain perbelanjaan operasi (379) (357) ___________ ___________ Keuntungan yang boleh diagihkan kepada Syarikat dan peserta-peserta 1,064 1,752 Keuntungan yang boleh diagihkan kepada Syarikat dipindahkan ke penyata pendapatan (451) (133) Keuntungan belum bayar (30) - ___________ ___________ Keuntungan yang boleh diagihkan kepada peserta-peserta

bagi tahun semasa 583 1,619 ========= ========= Kumpulanwang Keluarga ILB pada awal tahun 21,654 16,835 Kumpulanwang tersimpan - Keluarga Individu ILB 3,052 3,891 Keuntungan kepada Keluarga ILB 25 - Keuntungan yang boleh diagihkan kepada peserta-peserta bagi tahun semasa 583 1,619 Sumbangan belum terima 22 - Elaun rosotnilai pelaburan (672) (691) ___________ ___________ Kumpulanwang Keluarga ILB pada akhir tahun 24,664 21,654 ========= =========




30. Syarikat induk

Syarikat induk ialah BIMB Holdings Berhad, sebuah syarikat yang diperbadankan di Malaysia dan tersenarai di Bursa Malaysia Securities Berhad (dahulu dikenali sebagai Bursa Saham Kuala Lumpur).

31. Syarikat-syarikat berkait

Hubungan syarikat-syarikat berkait adalah seperti berikut:

i) Syarikat induk seperti yang tertera di Nota 30. ii) Anak-anak syarikat seperti yang tertera di Nota 3.

Kumpulan Syarikat 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000 Urusniaga Anak syarikat Asean Retakaful International (L) Ltd. Sumbangan fakultatif dan triti keluar - - - 11,631

Syarikat-syarikat berkait Bank Islam Malaysia Berhad Pendapatan sewa 8,457 8,727 8,457 8,040 Sumbangan takaful keluarga 19 9,611 19 9,611 Sumbangan takaful am 738 1,044 738 1,044 BIMSec Asset Management Sdn. Bhd Yuran pengurusan portfolio 335 325 335 325 ========= ========= ========= =========

Semua urusniaga di atas adalah mengikut urusniaga biasa perniagaan dan berdasarkan syarat-

syarat yang telah dipersetujui.

32. Pajakan operasi

Pajakan sebagai penghutang pajakan

Jumlah bayaran minima pajakan operasi pada masa hadapan dibawah pajakan operasi tanpa batal yang perlu dibayar kepada syarikat berkait adalah seperti berikut:


2006 2005 RM’000 RM’000

Kurang dari satu tahun 100 100 Di antara satu dan lima tahun 90 90 ========= =========

Kesemua komitmen pajakan akan dibayar oleh Kumpulanwang pemegang saham.

Kumpulan dan Syarikat telah memajak sejumlah komputer dan peralatan di bawah pajakan operasi. Kebiasaannya tempoh awal pajakan adalah 5 tahun.




33. Modal terikat Kumpulan dan Syarikat

2006 2005 RM’000 RM’000

Modal terikat: Hartanah, loji dan peralatan Diluluskan tetapi belum dikontrakkan - 14,781 ___________ ___________ - 14,781 Pelaburan Dikontrakkan tetapi tidak diperuntukkan dalam penyata kewangan 1,349 1,657 ___________ ___________ 1,349 16,438 ========= =========

34. Maklumat bersegmen

Maklumat segmen ditunjukkan dari segi perniagaan dan segmen geografi Kumpulan. Format utama iaitu segmen perniagaan, berdasarkan struktur pentadbiran dan laporan dalaman Kumpulan. Harga di antara segmen ditentukan berdasarkan rundingan.

Hasil, aset dan liabiliti segmen merangkumi perkara yang terhasil secara langsung daripada

segmen dan perkara yang dapat diagihkan kepada segmen secara munasabah. Perkara yang tidak diagihkan termasuk perbelanjaan, ditanggung oleh pemegang saham bagi pengurusan Kumpulanwang takaful.

Perbelanjaan modal segmen adalah jumlah perbelanjaan sepanjang tahun untuk pembelian aset

segmen yang dijangka akan digunakan lebih dari satu tempoh perakaunan. Maklumat bersegmen perniagaan telah ditunjukkan pada kunci kira-kira dan penyata kewangan/

akaun hasil mengikut Kumpulanwang-Kumpulanwang.

Segmen geografi

Segmen takaful am, takaful keluarga dan keluarga berkelompok juga beroperasi di Indonesia. Takaful semula hanya beroperasi di Malaysia.

Dalam menyampaikan maklumat berdasarkan segmen geografi , hasil segmen bergantung kepada lokasi geografi para pelanggan. Segmen aset juga bergantung kepada lokasi geografi para pelanggan.




34. Maklumat bersegmen (bersambung)

Malaysia Indonesia Penghapusan Disatukan 2006 RM’000 RM’000 RM’000 RM’000

Pendapatan daripada pelanggan luar mengikut lokasi pelanggan 890,106 79,035 - 969,141 Segmen aset mengikut lokasi aset 3,131,361 160,117 (66,233) 3,225,245 Perbelanjaan modal mengikut lokasi aset 23,309 2,702 - 26,011 ========= ========= ========= ========= 2005

Pendapatan daripada pelanggan luar mengikut lokasi pelanggan 752,621 69,743 - 822,364 Segmen aset mengikut lokasi aset 2,739,814 110,652 (60,794) 2,789,672 Perbelanjaan modal mengikut lokasi aset 140,632 2,360 - 142,992 ========= ========= ========= =========

Maklumat bersegmen aliran tunai

Kumpulanwang Pemegang Takaful Takaful Kumpulan Saham Keluarga Am Jumlah 2006 RM’000 RM’000 RM’000 RM’000

Aliran tunai daripada: Aktiviti-aktiviti operasi 8,453 3,394 9,870 21,717 Aktiviti-aktivit pelaburan 6,779 (23,872) (12,164) (29,257) Aktiviti-aktiviti pembiayaan (8,243) - - (8,243) ___________ ___________ ___________ ___________ 6,989 (20,478) (2,294) (15,783) ========= ========= ========= ========= Penambahan/(penurunan) bersih tunai dan setara tunai 6,989 (20,478) (2,294) (15,783) Tunai dan setara tunai: Pada awal tahun 5,041 28,269 9,029 42,339 ___________ ___________ ___________ ___________ Pada akhir tahun 12,030 7,791 6,735 26,556 ========= ========= ========= =========




34. Maklumat bersegmen (bersambung) Maklumat bersegmen aliran tunai (bersambung)

Kumpulanwang Pemegang Takaful Takaful Saham Keluarga Am Jumlah RM’000 RM’000 RM’000 RM’000

Kumpulan 2005 Aliran tunai daripada: Aktiviti-aktiviti operasi 17,238 131,897 1,792 150,927 Aktiviti-aktivit pelaburan (23,508) (111,904) (7,668) (143,080) Aktiviti-aktiviti pembiayaan 3,351 - - 3,351 ___________ ___________ ___________ ___________ (2,919) 19,993 (5,876) 11,198 ========= ========= ========= ========= Penambahan/(penurunan) bersih tunai dan setara tunai (2,919) 19,993 (5,876) 11,198 Tunai dan setara tunai: Pada awal tahun 7,960 8,276 14,905 31,141 ___________ ___________ ___________ ___________ Pada akhir tahun 5,041 28,269 9,029 42,339 ========= ========= ========= ========= Syarikat 2006 Aliran tunai daripada: Aktiviti-aktiviti operasi 14,079 (10,700) 11,963 15,342 Aktiviti-aktivit pelaburan (1.221) (12,343) (13,471) (27,035) Aktiviti-aktiviti pembiayaan (8,243) - - (8,243) ___________ ___________ ___________ ___________ 4,615 (23,043) (1,508) (19,936) ========= ========= ========= ========= Penambahan/(penurunan) bersih tunai dan tunai setara 4,615 (23,043) (1,508) (19,936) Tunai dan tunai setara: Pada awal tahun 1,116 24,166 4,038 29,320 ___________ ___________ ___________ ___________ Pada akhir tahun 5,731 1,123 2,530 9,384 ========= ========= ========= =========




34. Maklumat bersegmen (bersambung) Maklumat bersegmen aliran tunai (bersambung) Kumpulanwang Pemegang Takaful Takaful Saham Keluarga Am Jumlah RM’000 RM’000 RM’000 RM’000

Syarikat 2005 Aliran tunai daripada: Aktiviti-aktiviti operasi 16,362 127,881 (775) 143,468 Aktiviti-aktivit pelaburan (20,449) (109,011) (7,680) (137,140) Aktiviti-aktiviti pembiayaan 3,351 - - 3,351 ___________ ___________ ___________ ___________ (736) 18,870 (8,455) 9,679 ========= ========= ========= =========

Penambahan/(penurunan) bersih tunai dan tunai setara (736) 18,870 (8,455) 9,679 Tunai dan tunai setara: Pada awal tahun 1,852 5,296 12,493 19,641 ___________ ___________ ___________ ___________

Pada akhir tahun 1,116 24,166 4,038 29,320 ========= ========= ========= =========

35. Risiko-risiko Kewangan

Objektif dan Polisi Pengurusan Risiko Kewangan

Pendedahan kepada pengunderaitan, risiko kredit, risiko matawang asing dan risiko kecairan timbul di dalam urusniaga biasa perniagaan Kumpulan dan Syarikat. Polisi pengurusan risiko dan panduan menetapkan pengurusan strategi perniagaan serta falsafah pengurusan risiko am bagi keseluruhan Kumpulan dan Syarikat. Kumpulan dan Syarikat telah menetapkan prosedur bagi menilai risiko dari semasa ke semasa.

Risiko Pengunderaitan

Risiko pengunderaitan termasuk risiko kenaikan kos tuntutan dari yang dijangka disebabkan perubahan tuntutan yang tidak menentu, kekerapan dan risiko perubahan dalam undang-undang atau keadaan ekonomi atau keadaan yang boleh mempengaruhi harga dan perlindungan takaful atau takaful semula. Ini akan menyebabkan takaful semula menerima sumbangan yang terlalu sedikit untuk risiko yang ia telah bersetuju untuk tanggung dan seterusnya tidak mempunyai Kumpulanwang yang mencukupi untuk melabur dan membayar tuntutan, ataupun tuntutan melebihi apa yang dianggarkan.

Kumpulan dan Syarikat akan meminimakan risiko pengunderaitan dengan campuran dan mempelbagaikan perniagaan antara kumpulan-kumpulan perniagaan dan dengan mematuhi garis panduan dan had pengunderaitan, anggaran konservatif bagi peruntukan tuntutan dan piawaian yang tinggi bagi jaminan di takaful semula.

Risiko Kredit

Risiko kredit mewakili kerugian yang akan diiktiraf sekiranya pihak yang terlibat dengan takaful, takaful semula dan urusniaga pelaburan gagal untuk melaksana seperti yang telah dikontrakkan.



35. Risiko-risiko Kewangan (bersambung)

Pihak pengurusan mempunyai dasar kredit yang berkuatkuasa dan pendedahan kepada risiko kredit diawasi secara semasa ke semasa. Penilaian kredit dilakukan untuk semua peserta baru, broker, takaful semula, insuran semula, institusi kewangan dan pihak lain.

Pada tarikh kunci kira-kira, tiada penumpuan yang penting ke atas risiko kredit. Pendedahan maksima kepada risiko kredit Kumpulan dan Syarikat diwakili oleh nilai pegangan setiap aset kewangan.

Risiko Matawang Asing

Kumpulan dan Syarikat mengalami risiko matawang asing bagi urusniaga yang dinyatakan dalam matawang selain dari Ringgit Malaysia dan juga terjemahan penyata kewangan anak-anak syarikat kepada Ringgit Malaysia. Risiko matawang asing diawasi dari semasa ke semasa.

Kumpulan dan Syarikat pada masa kini tidak melindungi risiko matawang asing.

Risiko Kecairan

Kumpulan memantau dan mengekalkan tahap tunai dan bersamaan tunai dianggap mencukupi oleh pihak pengurusan untuk membiayai operasi-operasi Kumpulan dan untuk mengurangan kesan turun-naik aliran tunai.


Syarikat Takaful Malaysia Berhad (Company No. 131646-K) (Incorporated in Malaysia) and its subsidiaries.


Directors’ Report for the FinancialYear Ended 30 June 2006

The Directors have pleasure in submitting their report and the audited fi nancial statements of the Group and of the Company for the fi nancial year ended 30 June 2006.

Principal Activities

The principal activities of the Company consist of managing family and general takaful businesses, whilst the principal activities of the subsidiaries are as stated in Note 3 to the fi nancial statements. There has been no signifi cant change in the nature of these activities during the fi nancial year.

Results Group Company RM’000 RM’000

Net profi t for the year 33,362 28,024

Reserves and Provisions

There were no material transfers to or from reserves and provisions during the fi nancial year under review.

Dividend

Since the end of the previous fi nancial year, the Company paid a fi nal dividend of 7.5% less tax totalling RM8,242,722 on 28 December 2005 in respect of the year ended 30 June 2005.

The fi nal dividend recommended by the Directors in respect of the year ended 30 June 2006 is 8.5% less tax totalling RM9,341,752. Directors of the Company

Directors who served since the date of the last report are:- Dato’ Ahmad Tajudin Abdul Rahman (retired on 1.12.2005) Dato’ Tengku Hassan Tengku Omar (retired on 1.12.2005) Haji Taib Rasak Dato’ Mohd Fadzli Yusof Dato’ Sri Wan Abdul Wahid Wan Hassan Dato’ Ahmad Maher Abdul Manan Datuk Siti Maslamah Osman (resigned on 31.3.2006) Haji Md Azmi Abu Bakar (appointed on 15.9.2005) Dato’ Noorazman A. Aziz (appointed on 1.12.2005) Dato’ Alwi Muhamad (appointed on 1.12.2005) Encik Mohamed Hassan Md. Kamil (appointed on 1.9.2006)

In accordance with Section 62 of the Company’s Articles of Association, Dato’ Mohd Fadzli Yusof and Haji Md Azmi Abu Bakar retire at the forthcoming Annual General Meeting and, being eligible, offer themselves for re-election.

In accordance with Section 66A of the Company’s Articles of Association, Dato’ Noorazman A. Aziz, Dato’ Alwi Muhamad and Encik Mohamed Hassan Md. Kamil retire at the forthcoming Annual General Meeting and, being eligible, offer themselves for re-election.



Number of options over ordinary sharesof RM1.00 each

Directors’ Report for the FinancialYear Ended 30 June 2006 (continued)

Directors’ Interests

The holdings in the ordinary shares of the Company and of its related corporations of those who were Directors at fi nancial year end as recorded in the Register of Directors’ Shareholdings are as follows:

Number of ordinary shares At At 1.7.2005/ Bought Sold 30.6.2006 Appointment date


Dato’ Mohd Fadzli Yusof 25,800 - - 25,800 Haji Md Azmi Abu Bakar 9,600 - - 9,600


Dato’ Mohd Fadzli Yusof 21,000 - - 21,000

Option At At price 1.7.2005 Granted Exercised 30.6.2006 RMSyarikat Takaful Malaysia Berhad

Dato’ Mohd Fadzli Yusof 1.20 200,000 - - 200,000 Haji Md Azmi Abu Bakar 1.20 85,000 - - 85,000

None of the other Directors holding offi ce at 30 June 2006 had any interest in the ordinary shares of the Company and of its related corporations during the fi nancial year.

Directors’ Benefi ts

Since the end of the previous fi nancial year, no Director of the Company has received nor become entitled to receive any benefi t (other than a benefi t included in the aggregate amount of emoluments received or due and receivable by Directors as shown in the fi nancial statements) by reason of a contract made by the Company or a related company with the Director or with a fi rm of which the Director is a member, or with a company in which the Director has a substantial fi nancial interest.

There were no arrangements during and at the end of the fi nancial year which had the object of enabling Directors of the Company to acquire benefi ts by means of the acquisition of shares in or debentures of the Company or any other body corporate apart from the Company’s and holding company’s Employees’ Share Option Scheme.

Issue of Shares

There were no changes in the issued and paid-up capital of the Company during the fi nancial year.

Options Granted Over Unissued shares

No options were granted to any person to take up unissued shares of the Company during the year, apart from the issue of options pursuant to the Company and holding company Employees’ Share Option Scheme.

At an extraordinary general meeting held on 28 June 2003, the Company’s shareholders approved the establishment of an employees’ share option scheme (“ESOS”) of not more than 10% of the issued share capital of the Company to eligible Directors and employees of the Group, save for companies which are dormant and which are not incorporated in Malaysia.




Number of options over ordinary shares of RM1 each Date of Option Balance at Balance at offer Price 1.7.2005 Granted Exercised Ceased 30.6.2006

31.10.2003 RM1.20 12,895,000 - - (266,000) 12,629,000

The salient features of the scheme are as follows:

i) Eligible employees are those who have been confi rmed in writing as employees of the Group (save for any subsidiaries which are dormant and which are not incorporated in Malaysia) for at least one year prior to the date of the offer.

ii) The option is personal to the grantee and is non-assignable.iii) The option price shall be determined by the average of the middle market quotation of the

Company’s ordinary shares as shown in the daily offi cial list issued by the Bursa Malaysia for the fi ve trading days preceding the respective dates of the offer in writing to the grantee or at the par value of the ordinary shares of the Company, whichever is higher.

iv) The options granted may be exercised at any time within a period of fi ve years from the date of offer of the option or such shorter period as may be specifi cally stated in the offer upon giving notice in writing.

v) The options granted may be exercised in full or in lesser number of ordinary shares provided that the number shall not be less than 1,000 new shares and not more than ten per cent (10%) of the shares available under the scheme.

Corporate Governance

(a) Board Responsibilities

The Board of Directors (Board) is ultimately responsible for the proper stewardship of the Company’s resources, the achievement of corporate objectives and good corporate citizenship and discharges this responsibility through compliance with the Takaful (Amendment) Act, 1984 and BNM Guidelines on Duties and Responsibilities of Directors and Chief Executives of Insurers (JPI/GPI 1) and Prudential Framework of Corporate Governance for Insurers (JPI/GPI 25) and other directives, in addition to adopting other best practices on corporate governance.

The Board comprises seven non-executive directors and one executive director after the retirement of Dato’ Ahmad Tajudin Abdul Rahman and Dato’ Tengku Hassan Tengku Omar, the resignation of Datuk Siti Maslamah Osman and the appointment of Encik Mohamed Hassan Md. Kamil to enable a balanced and objective consideration of issues, hence facilitating optimal decision making and an executive director, who adds value to the decision making process by providing a management and operational perspective to issues placed before the Board.

(b) Management Accountability

The Company has an organisational structure showing all reporting lines as well as clearly documented job descriptions for all management and executive employees.

Authority limits, as approved by the Board are clearly established and made available to all employees.

(c) Corporate Independence

All material related party transactions have been disclosed in Note 31 to the fi nancial statements.

(d) Internal Controls and Operational Risk Management

The responsibility for establishing an effective risk management and internal control system rests with the Board.

There is an ongoing process for identifying, evaluating and managing the signifi cant risks faced by

The options offered to take up unissued ordinary shares of RM1.00 each and the option prices are as follows:



the Company through designated management functions and internal controls, which includes the setting of operational risk limits for all core activities. The Company has established internal controls which cover all levels of personnel and business processes that ensure the Company’s operations are run in an effective and effi cient manner as well as safeguard the assets of the Company and stakeholders’ interest.

Continuous assessment of the effectiveness and adequacy of internal controls, which includes an independent examination of controls by the internal audit function, ensures corrective action where necessary is taken in a timely manner. The internal audit reports are tabled at the fi rst scheduled Audit Committee meeting after the date of receipt of these reports. The internal audit function reports to the Board through the Audit Committee, and its fi ndings and recommendations are communicated to senior management and all level of staff concerned.

(e) Public Accountability

As custodian of public funds, the Company’s dealings with the public are always conducted fairly, honestly and professionally.

(f) Financial Reporting

The Company has complied with all the prescriptive requirements of, and adopt the management practices that are consistent with the principles prescribed under JPI/GPI 25: Prudential Framework of Corporate Governance for Insurers issued by BNM.

Other Statutory Information

Before the fi nancial statements of the Group and of the Company were made out, the Directors took reasonable steps to ascertain that:

i) all known bad debts have been written off and adequate provision made for doubtful debts;

ii) all current assets have been stated at the lower of cost and net realisable value; and

iii) there were adequate provision for incurred claims, including Incurred But Not Reported (“IBNR”) claims.

At the date of this report, the Directors are not aware of any circumstances:

i) that would render the amount written off for bad debts, or the amount of the provision for doubtful debts, in the Group and in the Company inadequate to any substantial extent, or

ii) that would render the value attributed to the current assets in the Group and in the Company fi nancial statements misleading, or

iii) which have arisen which render adherence to the existing method of valuation of assets or liabilities of the Group and of the Company misleading or inappropriate, or

iv) not otherwise dealt with in this report or the fi nancial statements, that would render any amount stated in the fi nancial statements of the Group and of the Company misleading.

At the date of this report, there does not exist:

i) any charge on the assets of the Group or of the Company that has arisen since the end of the fi nancial year and which secures the liabilities of any other person, or

ii) any contingent liability in respect of the Group or of the Company that has arisen since the end of the fi nancial year.




No contingent liability or other liability of any company in the Group has become enforceable, or is likely to become enforceable within the period of twelve months after the end of the fi nancial year which, in the opinion of the Directors, will or may substantially affect the ability of the Group and of the Company to meet their obligations as and when they fall due.

In the opinion of the Directors, the results of the operations of the Group and of the Company for the fi nancial year ended 30 June 2006 have not been substantially affected by any item, transaction or event of a material and unusual nature nor has any such item, transaction or event occurred in the interval between the end of the fi nancial year and the date of this report.

Auditors

The auditors, Messrs KPMG Desa Megat & Co., have indicated their willingness to acceptre-appointment.

Signed in accordance with a resolution of the Directors:

…………………………………………………………Taib Rasak

…………………………………………………………Md. Azmi Abu Bakar

Kuala Lumpur,

Date: 22 September 2006




Statement by Directors Pursuant toSection 169(15) of the Companies Act, 1965

In the opinion of the Directors, the fi nancial statements set out on pages 172 to 237 are drawn up in accordance with the provisions of the Companies Act, 1965 and applicable approved accounting standards in Malaysia, modifi ed to comply with the Principles of Shariah, so as to give a true and fair view of the state of affairs of the Group and of the Company at 30 June 2006 and of the results of their operations and cash fl ows for the year ended on that date.

Signed in accordance with a resolution of the Directors:

…………………………………………………………Taib Rasak

…………………………………………………………Md. Azmi Abu Bakar

Kuala Lumpur,




Statutory Declaration Pursuant toSection 169(16) of the Companies Act, 1965

I, Mohamad Asri Haji Yusoff, the offi cer primarily responsible for the fi nancial management of Syarikat Takaful Malaysia Berhad, do solemnly and sincerely declare that the fi nancial statements set out on pages 172 to 237 are, to the best of my knowledge and belief, correct and I make this solemn declaration conscientiously believing the same to be true, and by virtue of the provisions of the Statutory Declarations Act, 1960.

Subscribed and solemnly declared by the abovenamed in Kuala Lumpur on 22 September 2006.

…………………………………………………………Mohamad Asri Haji Yusoff

Before me:



Report of the Auditors to the Members ofSyarikat Takaful Malaysia Berhad

We have audited the fi nancial statements set out on pages 172 to 237. The preparation of the fi nancial statements is the responsibility of the Company’s Directors.

It is our responsibility to form an independent opinion, based on our audit, on the fi nancial statements and to report our opinion to you, as a body, in accordance with Section 174 of the Companies Act, 1965 and for no other purpose. We do not assume responsibility to any other person for the contents of this report.

We conducted our audit in accordance with approved Standards on Auditing in Malaysia. These standards require that we plan and perform the audit to obtain all the information and explanations which we consider necessary to provide us with evidence to give reasonable assurance that the fi nancial statements are free of material misstatement. An audit includes examining, on a test basis, evidence relevant to the amounts and disclosures in the fi nancial statements. An audit also includes an assessment of the accounting principles used and signifi cant estimates made by the Directors as well as evaluating the overall adequacy of the presentation of information in the fi nancial statements. We believe our audit provides a reasonable basis for our opinion.

In our opinion:

(a) the fi nancial statements are properly drawn up in accordance with the provisions of the Companies Act, 1965 and applicable approved accounting standards in Malaysia, modifi ed to comply with the Principles of Shariah, so as to give a true and fair view of:

i) the state of affairs of the Group and of the Company at 30 June 2006 and the results of their operations and cash fl ows for the year ended on that date; and

ii) the matters required by Section 169 of the Companies Act, 1965 to be dealt with in the fi nancial statements of the Group and of the Company; and

(b) the accounting and other records and the registers required by the Companies Act, 1965 to be kept by the Company and the subsidiary of which we have acted as auditors have been properly kept in accordance with the provisions of the said Act.

The subsidiaries in respect of which we have not acted as auditors are identifi ed in Note 3 to the fi nancial statements and we have considered their fi nancial statements and the auditors’ reports thereon.

We are satisfi ed that the fi nancial statements of the subsidiaries that have been consolidated with the Company’s fi nancial statements are in form and content appropriate and proper for the purposes of the preparation of the consolidated fi nancial statements and we have received satisfactory information and explanations required by us for those purposes.

The audit report on the fi nancial statements of the subsidiaries were not subject to any qualifi cation and did not include any comment made under subsection (3) of Section 174 of the Act.

KPMG Desa Megat & Co. Abdullah Abu SamahFirm Number: AF 0759 PartnerChartered Accountants Approval Number: 2013/06/08(J)

Kuala Lumpur,




Report of the Shariah Advisory Body

We, Prof. Madya Dr. Ahmad Shahbari @ Sobri Salamon and Mohd Bakir Haji Mansor, being two of the members of Shariah Advisory Body of Syarikat Takaful Malaysia Berhad, do hereby confi rm on behalf of the Body, that in our opinion, the operations of the Company for the year ended 30 June 2006 have been conducted in conformity with requirements of the Syariah.

On behalf of the Shariah Advisory Body:

…………………………………………………………Prof. Madya Dr. Ahmad Shahbari @ Sobri Salamon

…………………………………………………………Mohd. Bakir Haji Mansor

Kuala LumpurDated: 22 September 2006



Balance Sheet as at 30 June 2006

Group Company Note 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

ASSETSShareholders’ assets Property, plant and equipment 2 84,408 67,772 73,265 57,086Investment in subsidiaries 3 - - 27,002 27,002Investment in associates 4 - 189 757 757Investments 5 217,149 226,573 146,424 155,837Financing receivables 6 18,618 15,771 16,251 14,615Deferred tax assets 11 9,650 13,650 9,650 13,550Receivables 7 44,393 21,148 24,267 18,550Cash and bank balances 8 12,030 5,041 5,731 1,116 ___________ ___________ ___________ ___________Total Shareholders’ assets 386,248 350,144 303,347 288,513Total Family takaful assets (page 176) 2,284,222 1,998,830 2,224,404 1,956,955Total General takaful assets (page 179) 546,709 440,698 507,136 416,487 ___________ ___________ ___________ ___________TOTAL ASSETS 3,217,179 2,789,672 3,034,887 2,661,955 ========= ========= ========= =========LIABILITIESShareholders’ liabilities Payables 9 70,305 63,987 25,506 28,445Provision for taxation - 2,359 - 2,008 ___________ ___________ ___________ ___________Total Shareholders’ liabilities 70,305 66,346 25,506 30,453Total Family takaful liabilities (page 176) 131,459 57,837 122,184 53,818Total General takaful liabilities (page 179) 258,346 209,267 224,876 185,444 ___________ ___________ ___________ ___________ 460,110 333,450 372,566 269,715Family takaful fund 13 2,152,763 1,940,993 2,102,220 1,903,137General takaful fund 14 288,363 231,431 282,260 231,043 ___________ ___________ ___________ ___________TOTAL LIABILITIES 2,901,236 2,505,874 2,757,046 2,403,895 ----------------- ----------------- ----------------- -----------------

SHAREHOLDERS’ EQUITYShare capital 16 152,643 152,643 152,643 152,643Reserves 126,353 96,836 125,198 105,417 ___________ ___________ ___________ ___________

278,996 249,479 277,841 258,060Minority interest 12 36,947 34,319 - -

___________ ___________ ___________ ___________ 315,943 283,798 277,841 258,060 ----------------- ----------------- ----------------- -----------------TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY 3,217,179 2,789,672 3,034,887 2,661,955 ========= ========= ========= =========

The notes set out on pages 187 to 237 form an integral part of, and should be read in conjunction with, these fi nancial statements.

The fi nancial statements were approved and authorised for issue by the Board of Directors on22 September 2006.



Income Statements for theYear Ended 30 June 2006


Operating revenue 18 969,141 822,364 833,370 717,379 ========= ========= ========= =========Transfers from revenue accounts

Family takaful 70,999 40,892 56,358 36,861General takaful 86,253 90,019 63,525 76,063

Investment income 19 12,532 14,939 8,381 7,000Other operating income 20 5,827 8,667 3,556 5,435Management expenses 21 (101,447) (95,781) (83,750) (75,738)Other operating expenses 22 (29,245) (26,113) (12,590) (12,157) ___________ ___________ ___________ ___________Profi t from operations 44,919 32,623 35,480 37,464Share of loss after tax of associate (600) - - -Finance costs (31) (27) (31) (27) ___________ ___________ ___________ ___________Profi t before zakat and taxation 44,288 32,596 35,449 37,437Zakat (3,282) (3,542) (2,863) (3,444)Taxation 26 (4,520) (3,442) (4,562) (3,464) ___________ ___________ ___________ ___________Profi t after zakat and taxation 36,486 25,612 28,024 30,529Less: Minority interests (3,124) 2,000 - - ___________ ___________ ___________ ___________Net profi t for the year 33,362 27,612 28,024 30,529 ========= ========= ========= =========

Earnings per share (sen)Basic earnings per share (sen) 27 21.9 18.8 Dividends per ordinary share (sen) - (net) 17 6.1 5.4 ========= =========




Statements of Changes in Equity for theYear Ended 30 June 2006

Group Non-distributable Distributable Share Share Translation Retained capital premium reserve profi ts Total RM’000 RM’000 RM’000 RM’000 RM’000

At 1 July 2004 143,000 815 (2,209) 76,894 218,500Exchange differences on

translation of the fi nancial statements of foreign entities - - (1,232) - (1,232)Net loss not recognised in the

income statements - - (1,232) - (1,232)Issue of shares:

- cash 9,643 1,248 - - 10,891Net profi t for the year - - - 27,612 27,612Dividends 2004 – fi nal - - - (6,292) (6,292) _______ ___________________________ __________________________At 30 June 2005 152,643 2,063 (3,441) 98,214 249,479 ====== ============================ ================

At 1 July 2005 152,643 2,063 (3,441) 98,214 249,479Exchange differences on

translation of the fi nancialstatements of foreign entities - - 4,398 - 4,398

Net loss not recognised in theincome statements - - 4,398 - 4,398

Net profi t for the year - - - 33,362 33,362Dividends 2005 – fi nal - - - (8,243) (8,243) _______ ___________________________ __________________________At 30 June 2006 152,643 2,063 957 123,333 278,996 ====== ============================ ================ Note 16




Statements of Changes in Equity for theYear Ended 30 June 2006 (continued)

Company Non-distributable Distributable Share Share Retained capital premium profi ts Total RM’000 RM’000 RM’000 RM’000

At 1 July 2004 143,000 815 79,117 222,932Issue of shares:

- cash 9,643 1,248 - 10,891 Net profi t for the year - - 30,529 30,529Dividends – 2004 fi nal - - (6,292) (6,292)

___________________________________________________At 30 June 2005 152,643 2,063 103,354 258,060 ==========================================

At 1 July 2005 152,643 2,063 103,354 258,060 Net profi t for the year - - 28,024 28,024Dividends – 2005 fi nal - - (8,243) (8,243)

___________________________________________________At 30 June 2006 152,643 2,063 123,135 277,841 ========================================== Note 16




Family Takaful Balance Sheetas at 30 June 2006


ASSETSProperty, plant and equipment 2 183,494 182,457 183,426 182,385Investment in subsidiaries 3 - - 29,963 29,963Investment in associates 4 - 303 1,212 1,212Investment linked-business (ILB) assets 29 25,757 22,213 25,757 22,213Investments 5 1,969,410 1,754,076 1,896,807 1,691,089Financing receivables 6 15,224 14,087 10,257 9,052Receivables 7 83,198 5,597 76,511 5,047Cash and bank balances 8 7,139 20,097 471 15,994 ___________ ___________ ___________ ___________Total family takaful assets 2,284,222 1,998,830 2,224,404 1,956,955 ========= ========= ========= =========

LiabilitiesPayables 9 81,448 19,531 75,431 17,263Provision for outstanding claims 10 48,918 37,747 45,660 35,996ILB liabilities 29 1,093 559 1,093 559 ___________ ___________ ___________ ___________Total family takaful liabilities 131,459 57,837 122,184 53,818 ----------------- ----------------- ----------------- -----------------Participants’ fund Family takaful fund 13 2,152,763 1,940,993 2,102,220 1,903,137 ___________ ___________ ___________ ___________Total family takaful liabilities 2,284,222 1,998,830 2,224,404 1,956,955 and participants fund ========= ========= ========= =========





Gross contributions 18 451,806 407,562 375,074 357,145 Retakaful (24,909) (15,287) (17,314) (12,209) Decrease/(Increase) in unearned

contributions reserve (16,755) (8,139) (15,145) (8,056) ___________ ___________ ___________ ___________Net contributions 410,142 384,136 342,615 336,880

Benefi ts paid and payableDeath/disability (99,988) (80,669) (79,921) (68,425)Maturities (18,198) (13,995) (11,379) (10,136)Surrenders (75,257) (83,700) (66,967) (74,436)Part withdrawal (13,724) (10,562) (13,724) (10,562)Medical (4,540) (418) (182) (148)Others (13,498) (10,735) (3,193) (4,083) ___________ ___________ ___________ ___________ (225,205) (200,079) (175,366) (167,790) ___________ ___________ ___________ ___________ 184,937 184,057 167,249 169,090 ----------------- ----------------- ----------------- -----------------

Retained fund for the year – Individual Family 112,520 151,370 104,665 136,502

Underwriting profi t – Group Family and others 71,723 32,467 61,890 32,368Underwriting profi t – Group Family ILB 694 220 694 220

184,937 184,057 167,249 169,090 ----------------- ----------------- ----------------- -----------------Underwriting profi t 72,417 32,687 62,584 32,588Investment income 19 96,389 83,600 96,307 80,640Other operating income 20 180 4,123 180 4,050Other operating expenses 22 (32,562) (6,712) (32,483) (6,712) ___________ ___________ ___________ ___________Total profi t for the year 136,424 113,698 126,588 110,566

Family Takaful Revenue Accountfor the Year Ended 30 June 2006





Family Takaful Revenue Accountfor the Year Ended 30 June 2006 (continued)


Less: (Allowance)/reversal of allowance for diminution value of investment 7,021 (10,505) 7,021 (10,505) ___________ ___________ ___________ ___________Profi t attributable to the Company and participants for the year 143,445 103,193 133,609 100,061Profi t attributable to education plan transferred to payables (58) (45) (58) (45)Profi t attributable to the Company transferred to income statement (70,999) (40,892) (56,358) (36,861) ___________ ___________ ___________ ___________ 72,388 62,256 77,193 63,155Profi t payable to participants (7,741) (7,372) (8,177) (7,372) ___________ ___________ ___________ ___________Profi t attributable to participants for the year 64,647 54,884 69,016 55,783 ========= ========= ========= =========

Family takaful funds at the beginning of the year 1,940,993 1,747,878 1,903,137 1,694,011Retained fund for the year – individual family 112,520 151,370 104,665 136,502Profi t attributable to participants for the year 64,647 54,884 69,016 55,783Movement for the year: - Unearned contribution reserve 16,755 8,139 15,145 8,056 - Provision for diminution in value 10,257 9,594 10,257 8,785Interfund balance 7,591 (30,872) - - ___________ ___________ ___________ ___________Family takaful fund at year end 2,152,763 1,940,993 2,102,220 1,903,137 ========= ========= ========= =========



Group Company Note 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000AssetsProperty, plant and equipment 2 44,684 42,584 41,544 42,296Investment in subsidiaries 3 - - 1,970 1,970Investment in associates 4 - 126 504 504Investments 5 386,001 308,528 373,683 293,647Financing receivables 6 4,616 4,700 4,616 4,700Receivables 7 104,673 75,731 82,289 69,332Cash and bank balances 8 6,735 9,029 2,530 4,038 ___________ ___________ ___________ ___________Total general takaful assets 546,709 440,698 507,136 416,487 ========= ========= ========= =========Liabilities Payables 9 159,765 114,030 139,699 102,821Provision for outstanding claims 10 98,581 95,237 85,177 82,623 ___________ ___________ ___________ ___________Total general takaful liabilities 258,346 209,267 224,876 185,444 ----------------- ----------------- ----------------- -----------------Participants’ fund General takaful fund 14 288,363 231,431 282,260 231,043 ___________ ___________ ___________ ___________Total general takaful liabilities 546,709 440,698 507,136 416,487 and participants fund ========= ========= ========= =========

General Takaful Balance Sheetas at 30 June 2006




General Takaful Revenue Account for theYear Ended 30 June 2006

M

arin

e

Fire

M

otor

A

viat

ion

& Tr

ansit

M

iscel

lane

ous

Tota

lG

roup

Not

e 20

06

2005

20

06

2005

20

06

2005

20

06

2005

20

06

2005

RM

’000

RM

’000

RM

’000

RM

’000

RM

’000

RM

’000

RM

’000

RM

’000

RM

’000

R

M’0

00__

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

__

Gro

ss c

ontri

butio

ns

18

166,

696

129,

681

81,6

78

66,1

49

45,8

82

33,6

90

101,

158

78,3

80

395,

414

307,

900

Reta

kafu

l

(61,

454)

(4

6,17

1)

(3,2

56)

(1,9

06)

(21,

785)

(1

5,80

5)

(45,

464)

(2

6,48

2)

(131

,959

) (9

0,36

4)

__

____

__ __

____

____

____

____

____

____

____

____

____

__ __

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Net

con

tribu

tions

105,

242

83,5

10

78,4

22

64,2

43

24,0

97

17,8

85

55,6

94

51,8

98

263,

455

217,

536

Dec

reas

e/(in

crea

se) i

nun

earn

ed c

ontri

butio

n re

serv

es

15

(19,

202)

(1

5,22

0)

(12,

212)

3,

060

678

(1,6

15)

(7,2

28)

(2,4

52)

(37,

964)

(1

6,22

7)

__

____

__ __

____

____

____

____

____

____

____

____

____

__ __

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Earn

ed c

ontri

butio

ns

86

,040

68

,290

66

,210

67

,303

24

,775

16

,270

48

,466

49

,446

22

5,49

1 20

1,30

9N

et c

laim

s inc

urre

d

28

(13,

038)

(1

1,65

5)

(24,

368)

(2

1,72

9)

(6,4

34)

(3,7

03)

(22,

658)

(2

3,32

0)

(66,

498)

(6

0,40

7)

__

____

__ __

____

____

____

____

____

____

____

____

____

__ __

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Und

erw

ritin

g Su

rplu

s

73,0

02

56,6

35

41,8

42

45,5

74

18,3

41

12,5

67

25,8

08

2

6,12

6

158

,993

140

,902

==

====

====

====

====

====

====

====

====

====

====

====

====

====

====

====

====

===

Inve

stm

ent i

ncom

e 19

13

,000

8,

363

Oth

er o

pera

ting

inco

me

20

982

152

Oth

er o

pera

ting

expe

nses

22

(5

6,05

8)

(7,7

53)

____

____

_ __

____

___

Tota

l pro

fi t fo

r the

yea

r

116,

917

141,

664



General Takaful Revenue Account for theYear Ended 30 June 2006 (continued)

To

tal

Gro

up

2006

20

05

RM’0

00

RM’0

00__

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

__

Less

: (A

llow

ance

)/re

vers

al o

f allo

wan

ce fo

r dim

inut

ion

in v

alue

of i

nves

tmen

t 9,

743

(6,5

25)

__

____

____

_ __

____

____

_Su

rplu

s fro

m o

pera

tion

126,

660

135,

139

Tran

sfer

to in

com

e st

atem

ent

(86,

253)

(9

0,01

9)

__

____

____

_ __

____

____

_Pa

rtici

pant

s’ sh

are

of p

rofi t

40

,407

45

,120

Profi

t pa

yabl

e to

par

ticip

ants

(3

4,94

1)

(30,

600)

__

____

____

_ __

____

____

_Pr

ofi t

attri

buta

ble

to p

artic

ipan

ts fo

r the

yea

r 5,

466

14,5

20Pr

ofi t

attri

buta

ble

to p

artic

ipan

ts a

t beg

inni

ng o

f the

yea

r 65

,445

50

,925

__

____

____

_ __

____

____

_A

s at 3

0 Ju

ne

70,9

11

65,4

45Re

serv

e fo

r une

arne

d ta

kafu

l con

tribu

tion

187,

283

149,

319

Allo

wan

ce fo

r dim

inut

ion

in v

alue

of i

nves

tmen

t 23

,061

19

,015

Inte

rfund

bal

ance

7

,108

(2

,348

)

____

____

___

____

____

___

Gen

eral

taka

ful f

und

at e

nd o

f the

yea

r 28

8,36

3 23

1,43

1

====

====

= ==

====

===




M

arin

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Fire

M

otor

A

viat

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& Tr

ansit

M

iscel

lane

ous

Tota

lC

ompa

ny

N

ote

2006

20

05

2006

20

05

2006

20

05

2006

20

05

2006

20

05

RM’0

00

RM’0

00

RM’0

00

RM’0

00

RM’0

00

RM’0

00

RM’0

00

RM’0

00

R

M’0

00

RM

’000

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

Gro

ss c

ontri

butio

ns

18

147,

253

115,

860

67,5

22

52,9

30

41,7

09

31,6

61

85,3

90

64,3

36

341,

874

264,

787

Reta

kafu

l

(51,

224)

(3

8,36

5)

(1,9

01)

(1,1

67)

(19,

514)

(1

4,73

2)

(37,

227)

(1

5,69

8)

(109

,866

) (6

9,96

2)

__

____

__ __

____

____

____

____

____

____

____

____

____

__ __

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Net

con

tribu

tions

96,0

29

77,4

95

65,6

21

51,7

63

22,1

95

16,9

29

48,1

63

48,6

38

232,

008

194,

825

Dec

reas

e/(in

crea

se) i

nun

earn

ed c

ontri

butio

n re

serv

es

15

(19,

255)

(1

5,24

4)

(10,

525)

2,

297

745

(1,6

18)

(8,1

71)

(2,0

69)

(37,

206)

(1

6,63

4)

__

____

__ __

____

____

____

____

____

____

____

____

____

__ __

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Earn

ed c

ontri

butio

ns

76

,774

62

,251

55

,096

54

,060

22

,940

15

,311

39

,992

46

,569

19

4,80

2 17

8,19

1N

et c

laim

s inc

urre

d

28

(8,9

41)

(7,2

53)

(17,

688)

(1

6,25

8)

(5,7

76)

(3,5

59)

(20,

528)

(2

0,05

7)

(52,

933)

(4

7,12

7)

__

____

__ __

____

____

____

____

____

____

____

____

____

__ __

____

____

____

____

____

____

____

____

____

____

____

____

____

___

Und

erw

rittin

g su

rplu

s

67,8

33

5

4,99

8 37

,408

37

,802

17

,164

11,

752

19,4

64

2

6,51

2 14

1,86

9

13

1,06

4

==

====

====

====

====

====

====

====

====

====

====

====

====

====

====

====

====

==

Inve

stm

ent i

ncom

e 19

11

,734

7,

807

Oth

er o

pera

ting

inco

me

20

329

152

Oth

er o

pera

ting

expe

nses

22

(5

6,10

6)

(3,2

49)

____

____

_ __

____

___

Tota

l pro

fi t fo

r the

yea

r

97,8

26

135,

774




To

tal

Com

pany

20

06

2005

RM

’000

RM

’000

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

____

Less

: (A

llow

ance

for d

imin

utio

n) in

val

ue o

f inv

estm

ent

9,74

3 (6

,525

)

____

____

___

____

____

___

Surp

lus f

rom

ope

ratio

n 10

7,56

9 12

9,24

9Tr

ansf

er to

inco

me

stat

emen

t (6

3,52

5)

(76,

063)

__

____

____

_ __

____

____

_ Pa

rtici

pant

s sha

re o

f pro

fi t

44,0

44

53,1

86Pr

ofi t

paya

ble

to p

artic

ipan

ts

(34,

078)

(3

0,60

0)

__

____

____

_ __

____

____

_Pr

ofi t

attri

buta

ble

to p

artic

ipan

ts fo

r the

yea

r 9,

966

22,5

86Pr

ofi t

attri

buta

ble

to p

artic

ipan

ts a

t beg

inni

ng o

f the

yea

r 68

,823

46

,237

__

____

____

_ __

____

____

_ A

s at 3

0 Ju

ne

78,7

89

68,8

23

Rese

rve

for u

near

ned

taka

ful c

ontri

butio

n

180,

410

143,

205

Allo

wan

ce fo

r dim

inut

ion

in v

alue

of i

nves

tmen

t 23

,061

19

,015

____

____

___

____

____

___

Gen

eral

taka

ful f

und

at e

nd o

f the

yea

r 28

2,26

0 23

1,04

3

====

====

= ==

====

===



Cash Flow Statements for theYear Ended 30 June 2006

Group Company 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Cash fl ows from operating activities

Profi t before zakat and taxation 44,288 32,596 35,449 37,437 Adjustments for: Share of losses in associated companies 600 312 - - Depreciation: - Shareholders’ Fund 8,997 6,914 7,053 5,381 - Family Takaful Fund 2,762 2,771 2,762 2,770 - General Takaful Fund 1,679 1,134 752 1,127 Income from fi nancing receivables (1,849) (1,377) (1,387) (1,377) Income from Investment Accounts and Islamic Accepted Bills (34,636) (34,833) (28,016) (34,833) Dividend income (68,442) (39,394) (51,210) (39,394) Gain/(Loss) on disposal of quoted shares (16,517) (4,789) (6,289) (4,789) Gain on foreign exchange 4,398 (1,531) - - (Reversal of)/Allowance for diminution in value of quoted shares, unquoted shares and unit trusts: - Shareholders’ Fund (1,224) (631) (1,204) (1,642) - Family Takaful Fund (14,799) 1,983 (14,769) (2,081) - General Takaful Fund (9,743) (494) (9,704) (2,092) - Group Family Takaful Fund (3,152) (163) (3,129) (163) Profi t on disposal of Islamic Debt Securities (3,991) (6,749) (3,991) (6,749) Profi t on disposal of Malaysian Government Investment Certifi cates (11,229) (9,414) (11,247) (9,414) Allowance for non-performing fi nancing: - Shareholders’ fund - 726 - 726 - Family Takaful fund - 2,178 - 2,178 - General Takaful fund - 2,178 - 2,178 ___________ ___________ ___________ ___________ Cash fl ows from operating activities before working capital changes (102,858) (48,583) (84,930) (50,737)



Cash Flow Statements for theYear Ended 30 June 2006 (continued)


Increase in Family Takaful Fund 203,313 298,523 193,563 261,082 (Decrease)/Increase in Group Family Takaful Fund 8,695 (43,904) 8,695 (43,871) Increase in General Takaful Fund 58,871 37,999 51,765 46,734 (Decrease)/Increase in Family Retakaful Fund (1,886) 387 - - Increase in ATG Retakaful Pool 1,359 968 - - Decrease in General Retakaful Fund (261) (425) - - Decrease in Takaful Lil-Istithmar Fund - (782) - - (Increase)/Decrease in investments (288,481) (147,875) (286,969) (121,156) Income from Investment Accounts and Islamic Accepted Bills 34,636 34,833 28,016 34,833 Dividend income 68,442 39,394 51,210 39,488 Payments received from fi nancing receivables 9,974 13,445 9,924 5,962 Increase in payables (including claim admitted but not paid) 127,247 30,602 104,474 19,524 Increase in other receivables (90,589) (57,563) (54,161) (42,852) ___________ ___________ ___________ ___________

Cash generated/(used in) from operations 28,462 157,019 21,587 149,007 Zakat paid (2,838) (2,101) (2,588) (2,313) Income taxes paid (3,907) (3,991) (3,657) (3,226) ___________ ___________ ___________ ___________ Net cash generated/(used in) from operating activities 21,717 150,927 15,342 143,468 ----------------- ----------------- ----------------- -----------------Cash fl ows from investing activities

Purchase of property, plant and equipment (29,257) (143,080) (27,035) (142,182) Acquisition of additional interest in subsidiaries - - - (6,954) Proceeds from disposal of share in subsidiaries - - - 11,996 ___________ ___________ ___________ ___________ Net cash used in investing activities (29,257) (143,080) (27,035) (137,140) ----------------- ----------------- ----------------- -----------------



Cash Flow Statements for theYear Ended 30 June 2006 (continued)


Cash fl ows from fi nancing activities

Proceeds from issuance of shares - 9,643 - 9,643 Dividends paid to shareholders of the Company (8,243) (6,292) (8,243) (6,292) ___________ ___________ ___________ ___________ Net cash generated from fi nancing activities (8,243) 3,351 (8,243) 3,351 ========= ========= ========= =========Net decrease in cash and cash equivalents (15,783) 11,198 (19,936) 9,679

Cash and cash equivalents at the beginning of year 42,339 31,141 29,320 19,641 ___________ ___________ ___________ ___________Cash and cash equivalents at the end of year 26,556 42,339 9,384 29,320 ========= ========= ========= =========Cash and cash equivalents comprise: Cash and bank balances - Shareholders’ fund (page 172) 12,030 5,041 5,731 1,116 - Family Takaful fund (page 176) 7,139 20,097 471 15,994 - ILB (Note 29) 652 8,172 652 8,172 - General Takaful fund (page 179) 6,735 9,029 2,530 4,038 ___________ ___________ ___________ ___________ 26,556 42,339 9,384 29,320 ========= ========= ========= =========




Notes to the Financial Statements

1. Summary of signifi cant accounting policies The following accounting policies are adopted by the Group and by the Company except stated

otherwise are consistent with those adopted in previous years except for as follows:-

(a) Basis of Accounting The fi nancial statements have been prepared under the historical cost convention unless

otherwise indicated in the accounting policies below and comply with applicable approved accounting standards in Malaysia and the provisions of the Companies Act, 1965, the Takaful Act, 1984 (amendment) and Guidelines/Circulars issued by Bank Negara Malaysia (BNM). Syariah rulings and precepts should prevail at all times.

The accounting basis adopted by the Group and by the Company are consistent with those adopted in previous years except for the following:-

a) Prior to 2 February 2006, the Group recognised revenue on cash basis

b) On 2 February 2006, the Company migrated from the old business operation system to a new system which has been developed to recognise revenue on accrual basis whilst still be able to produce cash-based reports to meet the Syariah requirement for the computation of Mudharabah. Therefore, effective from 2 February 2006, the Company started to recognise revenue on accrual basis in line with JPIT/GPT 6 – Guidelines on Financial Statements for Takaful Operators of Bank Negara Malaysia. The adoption of accrual basis applied prospectively due to the limitation of the previous systems i.e. FTS and GTS which had been developed to cater for cash basis only and are unable to reproduce comparative fi gures on accrual basis hence pro forma restated comparative information is not presented.

c) The change in accounting policy with regard to the recognition of revenue/income from cash basis to accrual basis, applied prospectively has the following effect on the consolidated profi t before tax for the cumulative 12 months ended 30 June 2006 as follows :

RM’000 Profi t before tax before the change 48,625 Effect of the change (4,337) ______ Profi t before tax after the change 44,288 =====

(b) Basis of Consolidation Subsidiaries are those enterprises controlled by the Company. Control exists when the

Company has the power, directly or indirectly, to govern the fi nancial and operating policies of an enterprise so as to obtain benefi ts from its activities. The fi nancial statements of subsidiaries are included in the consolidated fi nancial statements from the date that control effectively commences until the date that control effectively ceases. Subsidiaries are consolidated using the acquisition method of accounting.

A subsidiary is excluded from consolidation when either control is intended to be temporary if the subsidiary is acquired and held exclusively with a view of its subsequent disposal in the near future and it has not previously been consolidated or it operates under severe long-term restrictions which signifi cantly impair its ability to transfer funds to the Company. Subsidiaries excluded on these grounds are accounted for as investments.

Under the acquisition method of accounting, the results of subsidiaries acquired or disposed during the year are included from the date of acquisition or up to the date of disposal. At the date of acquisition, the fair values of the subsidiaries’ net assets are determined and these values are refl ected in the Group fi nancial statements. The difference between the



Notes to the Financial Statements (continued)

acquisition cost and the fair values of the subsidiaries’ net assets is refl ected as goodwill or negative goodwill as appropriate.

Intragroup transactions and balances and the resulting unrealised profi ts are eliminated on consolidation. Unrealised losses resulting from intragroup transactions are also eliminated unless cost cannot be recovered.

(c) Associates Associates are those enterprises in which the Group has signifi cant infl uence, but not control,

over the fi nancial and operating policies.

The consolidated fi nancial statements include the total recognised gains and losses of associates on an equity accounted basis from the date that signifi cant infl uence effectively commences until the date that signifi cant infl uence effectively ceases.

Unrealised profi ts arising on transactions between the Group and its associates which are

included in the carrying amount of the related assets and liabilities are eliminated partially to the extent of the Group’s interests in the associates. Unrealised losses on such transactions are also eliminated partially unless cost cannot be recovered.

Goodwill on acquisition is calculated based on the fair value of the net assets acquired.

(d) Property, Plant and Equipment

Freehold land and renovation and building in progress are stated at cost. All other property, plant and equipment are stated at cost less accumulated depreciation and accumulated impairment losses.

Depreciation

Freehold land, renovation and building in progress are not amortised. Leasehold land is amortised in equal instalments over the period of the respective leases which range from sixty to ninety-nine years while building are depreciated on a straight line basis over the shorter of 50 years or the lease period.

The straight line method is used to write off the cost of the other assets over the term of their estimated useful life at the following principal annual rates:

Freehold buildings 2% Furniture, fi xtures and fi ttings 16.7% - 20% Motor vehicles 20% Computer and equipment 16.7% - 33.3%

(e) Investments

Investments in subsidiaries and associates are shown at cost. Where an indication of impairment exists, the carrying amount of the investment is assessed and written down immediately to its recoverable amount. The accounting policy on impairment assets is stated in Note (f).

Government Islamic Papers (Government Investment Issues and other Islamic instruments issued by the Government or BNM) and other investments as specifi ed by Bank Negara Malaysia are stated at cost adjusted for amortisation of premiums or accretion of discounts are recognised in the income statement/revenue accounts.

Unquoted investments are stated at cost and net realisable value. Quoted investments are stated at the lower of cost and market value determined on an aggregate portfolio basis by category of investments.



Allowances for diminution in value of investments are charged directly to the revenue account of the takaful funds. Subsequent increase in market value of the quoted investment is treated as a write back of the previous allowance for diminution in value of investment to the extent of the carrying amount of the quoted investment that would have been determined had no diminution in value had been recognised. A charge, based on 8% of the takaful funds’ surplus attributable to the participants and the Company, after allocating management expenses, is made directly to the respective takaful funds revenue account, in accordance with BNM guidelines.

Allowances for diminution in value arising from the Shareholders’ Fund are charged to the income statement immediately.

(f) Impairment of Assets

The carrying amount of the assets, other than deferred tax assets and fi nancial assets (other than investment in subsidiaries and an associate), are reviewed at each balance sheet date to determine whether there is any indication of impairment. If any such indication exists, the asset’s recoverable amount is estimated. An impairment loss is recognised whenever the carrying amount of an asset or the cash-generating unit to which it belongs exceeds its recoverable amount. Impairment losses are recognised in the income statement.

The recoverable amount is the greater of the asset’s net selling price and its value in use. In assessing value in use, estimated future cash fl ows are discounted to their present value using a pre-tax discount rate that refl ects current market assessments of the time value of money and the risks specifi c to the asset. For an asset that does not generate largely independent cash infl ows, the recoverable amount is determined for the cash-generating unit to which the asset belongs.

An impairment loss in respect of goodwill is not reversed unless the loss was caused by a specifi c external event of an exceptional nature that is not expected to recur and subsequent external events have occurred that reverse the effect of that event.

In respect of other assets, an impairment loss is reversed if there has been a change in the estimates used to determine the recoverable amount.

An impairment loss is reversed only to the extent that the asset’s carrying amount does not exceed the carrying amount that would have determined, net of depreciation or amortisation, if no impairment loss had been recognised. The reversal is recognised in the income statement, unless it reverses an impairment loss on a revalued asset, in which case it is taken to equity.

(g) Financing receivables

Known bad debts are written off and specifi c provisions are made for any fi nancing which remain outstanding for more than six months from the date on which they become payable and for all debts which are considered doubtful.

(h) Goodwill

Goodwill represents the excess of the cost of acquisition over the fair values of the net identifi able assets acquired.

Goodwill is written off in the year it is recognised.

(i) Receivables Known bad debts are written off and specifi c provisions are made for any contributions

which remain outstanding for more than six months from the date on which they become receivable and for all debts which are considered doubtful.





(j) Cash and Cash Equivalents Cash and cash equivalents consist of cash and bank balances excluding deposits in Islamic

investment accounts less bank overdrafts, that are readily convertible to known amount of cash and which are subject to an insignifi cant risk of changes in value.

(k) Liabilities

Islamic fi nancing and other payables are stated at cost.

(l) Employee Benefi ts

(i) Short term employee benefi ts

Wages, salaries and bonuses are recognised as expenses in the year in which the associated services are rendered by employees of the Group. Short term accumulating compensated absences such as paid annual leave are recognised when services are rendered by employees that increase their entitlement to future compensated absences, and short term non-accumulating compensated absences such as sick leave are recognised when absences occur. Where payment or settlement is deferred and the effect would be material, these amounts are stated at their present values.

(ii) Defi ned contribution plans

Obligations for contributions to defi ned contribution plans are recognised as an expense in the income statement as incurred.

(iii) Equity and equity-related compensation benefi ts

The share option programme allows employees to acquire shares of the Company. When the options are exercised, equity is increased by the amount of the proceeds received.

(m) Taxation

Tax on the profi t or loss for the year comprises current and deferred tax. Income tax is recognised in the income statement.

Current tax expense is the expected tax payable on the taxable income for the year, using tax rates enacted or substantially enacted at the balance sheet date, and any adjustment to tax payable in respect of previous years.

Deferred tax is provided, using the liability method, on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the fi nancial statements. Temporary differences are not recognised for goodwill not deductible for tax purposes and the initial recognition of assets or liabilities that at the time of the transaction affects neither accounting nor taxable profi t. The amount of deferred tax provided is based on the expected manner of realisation or settlement of the carrying amount of assets and liabilities, using tax rates enacted or substantially enacted at the balance sheet date.

A deferred tax asset is recognised only to the extent that it is probable that future taxable profi ts will be available against which the asset can be utilised.

(n) Zakat

This represents tithes payable by the Company to comply with the Principles of Shariah and as approved by the Shariah Advisory Body.




(o) Family Takaful Fund

Included in family takaful fund is fund arising from:- • Family takaful; • Group family takaful; and • Family retakaful funds.

The profi t attributable to cedants represents the cedants’ share in the family retakaful surpluses and is distributable in accordance with the terms and conditions prescribed by the Group.

The family takaful fund is maintained in accordance with the requirements of the Takaful (Amendment) Act 1984 and includes the amounts attributable to participants which represents the participants’ share of the return on the investments are distributable in accordance with the terms and conditions prescribed by the Group.

The surplus transferable from the family takaful fund to the income statement is based on the surplus determined by an annual actuarial valuation of the long term liabilities to the participants.

(i) Contributions income

Contributions from participants are recognised as soon as the amount can be reliably measured. Initial contribution is recognised from inception date and subsequent contribution is recognised when it is due.

At the end of the fi nancial period, all due contributions are accounted for to the extent that they can be reliably measured.

(ii) Investment-linked business

Investments of investment-linked business are stated at closing market prices. Any increase or decrease in value of these investments is taken into the investment-linked business revenue account.

iii) Unearned contribution reserve

The Unearned Contributions Reserve (UCR) of group family fund and family retakaful fund represents the portion of the net contributions of takaful certifi cates written that relate to the unexpired periods of the certifi cates at the end of the fi nancial period.

In determining the UCR at balance sheet date, the method that most accurately refl ects the actual unearned contributions is used, as follows:

(a) 1/365th method for all group family takaful business within Malaysia.

(b) A pro-rata basis based on a time apportionment method for family retakaful business.

(iv) Provision for outstanding claims Claims and settlement costs that are incurred during the fi nancial period are

recognised when a claimable event occurs and/or the takaful operator is notifi ed.

Claims and provisions for claims arising on family and group family takaful certifi cates, including settlement costs, are accounted for using the case basis method and for this purpose; the benefi ts payable under a family takaful certifi cates are recognised as follows:



(i) maturity or other policy benefi t payments due on specifi ed dates are treated as claims payable on the due dates.

(ii) death, surrender and other benefi ts without due dates are treated as claims payable, on the date of receipt of information of death of the participant or occurrence of contingency covered.

(p) General Takaful Fund

Included in general takaful fund is fund arising from:- • General takaful; • Asean Takaful Group (ATG) retakaful pool; and • General retakaful funds. The general takaful underwriting results are determined for each class of takaful business

after taking into account retakaful, commissions, unearned contributions, claims incurred and management expenses.

The net surplus for general retakaful is determined after deducting retakaful, reserve for unearned retakaful contributions, net claims incurred and acquisition costs.

The profi t attributable to cedants represents the cedants’ share in the general retakaful surpluses and is distributable in accordance with the terms and conditions prescribed by the Group.

(i) Contributions income

Contributions from participants are recognised in a fi nancial period in respect of risk assumed during that particular fi nancial period. Inward treaty retakaful contributions are recognised on the basis of periodic advices received from ceding takaful operators.

(ii) Unearned contributions reserve

The Unearned Contributions Reserve (UCR) represent the portion of the net contributions of takaful certifi cates written that relate to the unexpired periods of the certifi cates at the end of the fi nancial period.

In determining the UCR at balance sheet date, the method that most accurately refl ects the actual unearned contributions is used, as follows:

(a) Time apportionment method for all general takaful business within Malaysia and for general retakaful business.

(b) 1/8th method for all classes of General Inward Takaful business.

(iii) Provision for outstanding claims

A liability for outstanding claims is recognised by the Group in respect of both direct takaful and inward retakaful business. The amount of outstanding claims is the best estimate of the expenditure required together with related expenses less recoveries to settle the present obligation at the balance sheet date. Any difference between the current estimated cost and subsequent settlement is dealt with in the takaful revenue account for the Group in the year in which the settlement takes place. A provision is also made by the Group for the cost of claims, together with related expenses incurred but not reported at balance sheet date, using a mathematical method of estimation.





(q) Other revenue recognition

Income from fi nancing are recognised on an accrual basis except where fi nancing is considered non-performing, i.e. where repayments are in arrears for more than six months, in which case recognition of such income is suspended. Subsequent to suspension, income is recognised on the receipt basis until all arrears have been paid.

Other income is recognised on a time proportion basis that takes into account the effective yield of the asset.

Rental is recognised on an accrual basis except where default in payment of rent has already occurred and rent dues remains outstanding for over six months, in which case recognition of rental income is suspended. Subsequent to suspension, income is recognised on the receipt basis until all arrears have been paid.

Dividend is recognised when the right to receive payment is established.

(r) Management Expenses

Management expenses are charged to shareholders’ fund.

(s) Foreign Currency

(i) Foreign currency transactions

Transactions in foreign currencies are translated to Ringgit Malaysia at rates of exchange ruling at the date of the transactions. Monetary assets and liabilities denominated in foreign currencies at the balance sheet date are translated to Ringgit Malaysia at the foreign exchange rates ruling at that date. Foreign exchange differences arising on translation are recognised in the income statement. Non-monetary assets and liabilities denominated in foreign currencies, which are stated at historical cost, are translated to Ringgit Malaysia at the foreign exchange rates ruling at the date of the transactions.

(ii) Financial statements of foreign operations

The Group’s foreign operations are not considered an integral part of the Company’s operations. Accordingly, the assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on consolidation, are translated to Ringgit Malaysia at exchange rates ruling at the balance sheet date. The revenues and expenses of foreign operations are translated to Ringgit Malaysia at average exchange rate applicable throughout the year. Foreign exchange differences arising on translation are recognised directly in equity.

The closing rates used in the translation of foreign currency monetary assets and liabilities and the fi nancial statements of foreign operations are as follows:

1USD RM3.6828 (2005 : 1USD RM3.80) 1IDR RM0.000395 (2005 : 1IDR RM0.000394) 1SAR RM0.9820 (2005 : 1SAR RM1.01)

(t) Operating Lease

The Group recognises its Ijarah fi nancing obligations as operating leases. Lease payments under the operating lease are recognised as an expense in the income statement on a straight-line basis over the lease term.




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3. Investment in subsidiaries Shareholders’ Family General Company Fund Takaful Takaful

2006 RM’000 RM’000 RM’000

Unquoted shares, at cost 27,002 29,963 1,970========================================

2005 Unquoted shares, at cost 27,002 29,963 1,970

========================================

The principal activities of the subsidiaries, their places of incorporation and the interest of Syarikat Takaful Malaysia Berhad are as follows:

Country of Effective Name of Companies Principal activities incorporation Interests 2006 2005 % %

Asean Retakaful International Family and general Malaysia 63.09 63.54 (L) Ltd. (“ARIL”)** retakaful business P.T. Syarikat Takaful Investment holding Indonesia 56 56 Indonesia* and its subsidiaries

P.T. Asuransi Takaful General takaful business Indonesia 56 56 Umum*

P.T. Asuransi Takaful Family takaful business Indonesia 56 56 Keluarga* * Audited by fi rm of auditors other than KPMG Desa Megat & Co. ** Audited by a fi rm of auditors affi liated with KPMG Desa Megat & Co.

4. Investment in associates Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000 Unquoted shares, at cost 757 1,212 504 Disposal during the year - - - ___________ ___________ ___________ 757 1,212 504 Share of post-acquisition losses* (757) (1,212) (504) ___________ ___________ ___________ - - - ========= ========= =========



4. Investment in associates (continued) Shareholders’ Family General Group Fund Takaful Takaful 2005 RM’000 RM’000 RM’000 Unquoted shares, at cost 1,255 1,392 504 Disposal during the year (498) (180) - ___________ ___________ ___________ 757 1,212 504 Share of post-acquisition losses* (568) (909) (378) ___________ ___________ ___________

189 303 126 ========= ========= ========= Represented by:

Share of net tangible assets 147 235 98 Foreign exchange gain/(loss) 42 68 28 ___________ ___________ ___________

189 303 126 Negative goodwill - - - ___________ ___________ ___________ 189 303 126 ========= ========= ========= Company 2006 Unquoted shares, at cost 757 1,212 504 ========= ========= ========= 2005 Unquoted shares, at cost 1,255 1,392 504 Disposal during the year (498) (180) -

___________ ___________ ___________ 757 1,212 504

========= ========= ========= * The Group’s share of associated company’s results has been equity accounted for up to the date

of the latest available unaudited fi nancial statements as at 30 June 2006.

The associates of the Group are as follows: Effective Principal Ownership Financial

Name of Companies Activities Country Interest year end 2006 2005 % %

Arabian Malaysian Health and family Bahrain 24.5 49 31 December Takaful Company takaful business.





5. Investments 2006 2005(a) Shareholders Fund Cost/ Market Cost/ Market Group Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000

Quoted: Shares - In Malaysia 19,364 21,015 - Outside Malaysia 168 - Allowance for diminution (3,545) (4,826) ___________ ___________ 15,987 15,982 16,189 16,199 ----------------- ----------------- ----------------- ----------------- Islamic Debt Securities 43,939 15,182 Allowance for diminution - - ___________ ___________ 43,939 43,671 15,182 15,134 ----------------- ----------------- ----------------- ----------------- Unit Trusts 6,064 5,959 Allowance for diminution (2,200) (2,155) ___________ ___________ 3,864 3,719 3,804 3,820 ----------------- ----------------- ----------------- ----------------- Unquoted: Shares 878 4,629 ----------------- ----------------- Islamic Debt Securities - 22,819 ----------------- ----------------- Other investments 12,650 11,418 ----------------- ----------------- Deposit and money market placement with: Licensed banks 124,831 92,132 Licensed fi nance companies 10,000 35,000 Other fi nancial institutions 5,000 25,400 ----------------- ----------------- 139,831 152,532 ----------------- -----------------

Total investments 217,149 226,573 ========= ========= Investments maturing more than twelve months 76,210 172,573 ========= =========




5. Investments (continued) 2006 2005(a) Shareholders Fund Cost/ Market Cost/ Market Company Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000

Quoted: Shares - In Malaysia 19,364 20,771 Allowance for diminution (3,462) (4,826) ___________ ___________ 15,902 15,902 15,945 15,955 ----------------- ----------------- ----------------- ----------------- Islamic Debt Securities 5,691 5,786 Allowance for diminution - - ___________ ___________ 5,691 5,386 5,786 5,681 ----------------- ----------------- ----------------- ----------------- Unit Trusts 3,526 3,526 Allowance for diminution (2,200) (2,155) ___________ ___________ 1,326 1,326 1,371 1,387 ----------------- ----------------- ----------------- ----------------- Unquoted: Shares 878 878 ----------------- ----------------- Other investments 11,188 11,418 ----------------- ----------------- Deposit and money market placement with: Licensed banks 96,439 60,039 Licensed fi nance companies 10,000 35,000 Other fi nancial institutions 5,000 25,400 ___________ ___________ 111,439 120,439 ----------------- ----------------- Total investments 146,424 155,837 ========= ========= Investments maturing more than twelve months 52,714 101,837 ========= =========




5. Investments (continued) 2006 2005(b) Family Takaful Fund Cost/ Market Cost/ Market Group Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000

Malaysian Government Islamic papers 375,149 395,742 Discounts/ amortisation (11,401) - ___________ ___________ 363,748 359,535 395,742 462,126 ----------------- ----------------- ----------------- ----------------- Quoted: Shares - In Malaysia 87,399 105,353 Allowance for diminution (7,571) (15,562) ___________ ___________ 79,828 79,828 89,791 103,860 ----------------- ----------------- ----------------- ----------------- Islamic Debt Securities - In Malaysia 868,267 660,454 Allowance for diminution (10,957) - ___________ ___________ 857,310 875,007 660,454 714,101 ----------------- ----------------- ----------------- ----------------- Unit Trusts 6,952 10,273 Allowance for diminution (3,511) (3,492) ___________ ___________ 3,441 3,441 6,781 6,887 ----------------- ----------------- ----------------- ----------------- Unquoted: Unit Trusts 15,714 15,081 ----------------- ----------------- Other investments 181 7,781 ----------------- ----------------- Deposit and money market placement with: Licensed banks 617,688 248,997 Licensed fi nance companies 30,500 70,079 Other fi nancial institutions 1,000 259,370 ___________ ___________ 649,188 578,446 ----------------- ----------------- Total investments 1,969,410 1,754,076 ========= ========= Investments maturing more than twelve months 1,440,713 1,343,374 ========= =========




5. Investments (continued) 2006 2005(b) Family Takaful Fund Cost/ Market Cost/ Market Company Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000

Malaysian Government Islamic papers 375,149 395,742 Discounts/ amortisation (11,401) - ___________ ___________ 363,748 359,535 395,742 462,126 ----------------- ----------------- ----------------- ----------------- Quoted: Shares - In Malaysia 87,399 103,159 Allowance for diminution (7,571) (15,562) ___________ ___________ 79,828 79,828 87,597 101,666 ----------------- ----------------- ----------------- ----------------- Islamic Debt Securities 868,267 654,097 Allowance for diminution (10,957) - ___________ ___________ 857,310 875,007 654,097 707,744 ----------------- ----------------- ----------------- ----------------- Unit Trusts 6,952 6,952 Allowance for diminution (3,511) (3,492) ___________ ___________ 3,441 3,441 3,460 3,566 ----------------- ----------------- ----------------- ----------------- Unquoted: Unit Trusts 15,714 15,081 ----------------- ----------------- Other investments 181 - ----------------- ----------------- Deposit and money market placement with: Licensed banks 545,085 205,663 Licensed fi nance companies 30,500 70,079 Other fi nancial institutions 1,000 259,370 ___________ ___________ 576,585 535,112 ----------------- ----------------- Total investment 1,896,807 1,691,089 ========= ========= Investments maturing more than twelve months 1,440,713 1,329,089 ========= =========




5. Investments (continued) 2006 2005(c) Investment-linked Fund Cost/ Market Cost/ Market Group and Company Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000 Quoted: Shares in Malaysia 9,928 9,913 Allowance for diminution (1,260) (822) ___________ ___________ 8,668 9,140 9,091 9,140 ----------------- ----------------- ----------------- ----------------- Islamic Debt Securities 8,074 4,715 Allowance for diminution (294) (61) ___________ ___________ 7,780 4,728 4,654 4,728 ----------------- ----------------- ----------------- -----------------

Deposit and money market placement with: Licensed banks 8,015 - ----------------- ----------------- Total investment 24,463 13,745 ========= ========= (d) General Takaful Fund Group Malaysian Government Islamic papers 82,821 89,828 Discounts/ amortisation (4,100) - ___________ ___________ 78,721 77,441 89,828 90,042 ----------------- ----------------- ----------------- ----------------- Quoted: Shares - In Malaysia 24,835 33,036 Allowance for diminution (1,371) (6,890) ___________ ___________ 23,464 23,464 26,146 27,951 ----------------- ----------------- ----------------- -----------------

Islamic Debt Securities - In Malaysia 84,811 53,422 Allowance for diminution (2,068) (2,068) ___________ ___________ 82,743 82,581 51,354 51,831 ----------------- ----------------- ----------------- -----------------




5. Investments (continued) 2006 2005(d) General Takaful Fund Cost/ Market Cost/ Market Group Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000 Unit Trusts 3,506 3,506 Allowance for diminution (2,186) (2,139) ___________ ___________ 1,320 1,320 1,367 1,380 ----------------- ----------------- ----------------- ----------------- Deposit and money market placement with: Licensed banks 199,753 62,293 Licensed fi nance companies - 15,870 Other fi nancial institutions - 61,670 ___________ ___________ 199,753 139,833 ----------------- ----------------- Total investments 386,001 308,528 ========= ========= Investments maturing more than twelve months 224,343 223,717 ========= ========= Company Malaysian Government Islamic papers 82,821 89,828 Discounts/ amortisation (4,100) - ___________ ___________ 78,721 77,441 89,828 90,042 ----------------- ----------------- ----------------- ----------------- Quoted in Malaysia: Shares 24,835 33,036 Allowance for diminution (1,371) (6,890) ___________ ___________ 23,464 23,464 26,146 27,951 ----------------- ----------------- ----------------- ----------------- Islamic Debt Securities 84,811 46,886 Allowance for diminution (2,068) (2,068) ___________ ___________ 82,743 82,581 44,818 45,247 ----------------- ----------------- ----------------- -----------------




5. Investments (continued) 2006 2005(d) General Takaful Fund Cost/ Market Cost/ Market Company Valuation Value Valuation Value RM’000 RM’000 RM’000 RM’000 Unit Trusts 3,506 3,506 Allowance for diminution (2,186) (2,139) ___________ ___________ 1,320 1,320 1,367 1,380 ----------------- ----------------- ----------------- ----------------- Deposit and money market placement with: Licensed banks 187,435 53,948 Licensed fi nance companies - 15,870 Other fi nancial institutions - 61,670 ___________ ___________ 187,435 131,488 ----------------- ----------------- Total investment 373,683 293,647 ========= ========= Investments maturing more than twelve months 224,343 226,073 ========= =========

6. Financing receivables Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000 Secured fi nancing 6,509 22,518 10,128 Staff fi nancing 16,052 - - Allowance for doubtful fi nancing (3,943) (7,294) (5,512) ___________ ___________ ___________ Total fi nancing 18,618 15,224 4,616 ========= ========= ========= Amount receivable after twelve months 16,443 10,257 4,616 ========= ========= ========= 2005

Secured fi nancing 5,489 21,381 10,211 Staff fi nancing 14,226 - - Allowance for doubtful fi nancing (3,944) (7,294) (5,511) ___________ ___________ ___________ Total fi nancing 15,771 14,087 4,700 ========= ========= ========= Amount receivable after twelve months 14,758 14,003 4,700 ========= ========= =========




6. Financing receivables (continued) Shareholders’ Family General Company Fund Takaful Takaful 2006 RM’000 RM’000 RM’000 Secured fi nancing 4,333 17,551 10,127 Staff fi nancing 15,861 - - Allowance for doubtful fi nancing (3,943) (7,294) (5,511) ___________ ___________ ___________ Total fi nancing 16,251 10,257 4,616 ========= ========= ========= Amount receivable after twelve months 16,251 10,257 4,616 ========= ========= ========= 2005

Secured fi nancing 4,333 16,346 10,211 Staff fi nancing 14,226 - - Allowance for doubtful fi nancing (3,944) (7,294) (5,511) ___________ ___________ ___________ Total fi nancing 14,615 9,052 4,700 ========= ========= ========= Amount receivable after twelve months 13,602 9,052 4,700 ========= ========= =========

7. Receivables Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Trade Receivables

Due contributions - 32,517 109,650 Due from retakaful companies - 9,467 14,490 ___________ ___________ ___________ - 41,984 124,140 Allowance for bad and doubtful debts - (21,249) (31,730) ___________ ___________ ___________ - 20,735 92,410 ----------------- ----------------- -----------------




7. Receivables (continued) Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Other Receivables Investment receivable 765 19,201 3,289 Tax recoverable 4,360 - - Deposits 3,984 - - Advance to Retakaful Fund 5,029 - - Due from Family Takaful Fund (Note 9) 9,123 - - Due from General Takaful Fund (Note 9) 5,290 37,754 - Due from ILB (Note 29) 318 - - Sundry debtors 15,524 5,508 8,974 ___________ ___________ ___________ Total receivables 44,393 83,198 104,673 ========= ========= ========= Group 2005

Amount due from retakaful companies - - 44,885 Retakaful on outstanding contributions - - 25,955 Tax recoverable 466 - - Deposits 3,817 - 134 Due from Family Takaful Fund (Note 9) 724 - - Due from General Takaful Fund (Note 9) 13,585 1,346 - Due from Shareholders’ Fund (Note 9) - 2,249 - Due from ILB (Note 29) 70 - - Sundry debtors 2,486 2,002 4,757 ___________ ___________ ___________ Total receivables 21,148 5,597 75,731 ========= ========= ========= Company 2006

Trade Receivables

Due contributions - 32,517 109,294 Due from retakaful companies - 3,388 414 ___________ ___________ ___________ - 35,905 109,708 Allowance for bad and doubtful debts - (21,249) (31,386) ___________ ___________ ___________ - 14,656 78,322 ----------------- ----------------- -----------------




7. Receivables (continued) Shareholders’ Family General Company Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Other Receivables Amount due from subsidiaries 128 - - Amount due from associated companies 138 - - Investment receivable 765 19,201 3,289 Tax recoverable 4,360 - - Deposits 2,302 - - Due from Family Takaful Fund (Note 9) 8,797 - - Due from General Takaful Fund (Note 9) 4,675 37,754 - Due from ILB (Note 29) 318 - - Sundry debtors 2,784 4,900 678 ___________ ___________ ___________ 24,267 61,855 3,967 ----------------- ----------------- ----------------- Total receivables 24,267 76,511 82,289 ========= ========= ========= Company 2005

Amount due from subsidiaries 123 - - Amount due from associated companies 69 - - Amount due from retakaful companies - - 42,948 Retakaful on outstanding contributions - - 25,955 Tax recoverable 466 - - Deposits 2,137 - 134 Due from Family Takaful Fund (Note 9) 724 - - Due from General Takaful Fund (Note 9) 13,585 1,346 - Due from Shareholders’ Fund (Note 9) - 2,249 - Due from ILB (Note 29) 70 - - Sundry debtors 1,376 1,452 295 ___________ ___________ ___________ Total receivables 18,550 5,047 69,332 ========= ========= =========

Amounts due from subsidiaries and associated companies are non-trade, unsecured, interest free and have no fi xed terms of repayment.




8. Cash and bank balances Group Company 2006 2005 2006 2005 Shareholders’ Fund RM’000 RM’000 RM’000 RM’000

Current account with a related company (Islamic fi nancial institution) 11,978 1,116 5,679 1,116 Other current accounts 52 3,925 52 - ___________ ___________ ___________ ___________ 12,030 5,041 5,731 1,116 ========= ========= ========= ========= Family Takaful Current account with a related company (Islamic fi nancial institution) 7,139 15,897 471 11,562 Other current accounts - 4,200 - 4,432 ___________ ___________ ___________ ___________ 7,139 20,097 471 15,994 ========= ========= ========= ========= General Takaful Current account with a related company (Islamic fi nancial institution) 3,674 (1,219) 2,270 (1,219) Other current accounts 3,061 10,248 260 5,257 ___________ ___________ ___________ ___________ 6,735 9,029 2,530 4,038 ========= ========= ========= =========

9. Payables Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Due to retakaful companies - 8,238 54,961 Due to related companies 81 - - Advanced takaful contribution - 30,007 8,040 Profi t payable to participants - 5,622 4,974 Deposit payable 629 - - Zakat payable 3,142 - - Claim payable 2,745 - - Unclaimed monies - - 232 Due to Family Takaful Fund (Note 7) - - 37,754 Due to Shareholders’ Fund (Note 7) - 9,123 5,290 Due to ILB (Note 29) - 4 1 Other payables and accruals 61,058 - 17,571 Takaful plan payable for education - 1,057 - Sundry creditors 2,650 27,397 30,942 ___________ ___________ ___________ Total payables 70,305 81,448 159,765 ========= ========= =========




9. Payables (continued) Shareholders’ Family General Group Fund Takaful Takaful 2005 RM’000 RM’000 RM’000

Due to retakaful companies - 1,570 64,557 Advanced takaful contribution - 7,214 2,372 Profi t payable to participants - 2,144 10,385 Deposit payable 629 1,693 493 Zakat payable 2,464 - - Unclaimed monies - 1,212 232 Due to Family Takaful Fund (Note 7) 2,249 - 1,346 Due to Shareholders’ Fund (Note 7) - 724 13,585 Due to ILB (Note 29) - 43 25 Other payables and accruals 24,394 - 12,760 Takaful plan payable for education - 988 - Sundry creditors 34,251 3,943 8,275 ___________ ___________ ___________ Total payables 63,987 19,531 114,030 ========= ========= =========

Group 2006 2005 Due to related companies RM’000 RM’000 Deposits 1,871 1,872 Al-Bai Bithaman Ajil fi nancing payable within 1 year 110 110 ___________ ___________ 1,981 1,982 ========= ========= Al-Bai Bithaman Ajil fi nancing payable after 1 year 81 82 ========= =========

The Al-Bai Bithaman Ajil fi nancing is obtained from Bank Islam Malaysia Berhad, a related company, at a profi t rate of between 6.5% to 6.75% (2005 - 6.5% to 6.75%) per annum and is secured over certain property, plant and equipment of the Group and Company as disclosed in note 2 (d).




9. Payables (continued) Shareholders’ Family General Company Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Due to related companies 81 - - Due to retakaful companies - 8,238 54,226 Advanced takaful contribution - 30,007 8,040 Profi t payable to participants - 5,622 4,974 Deposit payable 629 - - Zakat payable 2,067 - - Unclaimed monies - - 232 Due to Family Takaful Fund (Note 7) - - 37,754 Due to Shareholders’ Fund (Note 7) - 8,797 4,675 Due to ILB (Note 29) - - 1 Other payables and accruals 20,079 4 25 Takaful plan payable for education - 1,057 - Sundry creditors 2,650 21,706 29,772 ___________ ___________ ___________ Total payables 25,506 75,431 139,699 ========= ========= ========= Company 2005

Due to related companies 192 - - Due to retakaful companies - 638 56,568 Advanced takaful contribution - 7,214 2,372 Profi t payable to participants - 2,144 10,385 Deposit payable 629 1,693 493 Zakat payable 1,915 - - Unclaimed monies - 1,212 232 Due to Family Takaful Fund (Note 7) 2,249 - 1,346 Due to Shareholders’ Fund (Note 7) - 724 13,585 Due to ILB (Note 29) - 43 25 Other payables and accruals 22,125 - 10,861 Takaful plan payable for education - 988 - Sundry creditors 1,335 2,607 6,954 ___________ ___________ ___________ Total payables 28,445 17,263 102,821 ========= ========= =========




9. Payables (continued)

Company 2006 2005 Due to related companies RM’000 RM’000 Deposits 1,871 1,872 Al-Bai Bithaman Ajil fi nancing payable within 1 year 110 110 ___________ ___________ 1,981 1,982 ========= ========= Al-Bai Bithaman Ajil fi nancing payable after 1 year 81 82 ========= =========

The Al-Bai Bithaman Ajil fi nancing is obtained from Bank Islam Malaysia Berhad, a related company, at a profi t rate of between 6.5% to 6.75% (2005 - 6.5% to 6.75%) per annum and is secured over certain property, plant and equipment of the Group and Company as disclosed in note 2 (d).

10. Provision for outstanding claims 2006 2005 Family General Family General

Group Takaful Takaful Takaful Takaful RM’000 RM’000 RM’000 RM’000 RM’000Provision for outstanding claims 50,803 152,671 41,027 140,122Retakaful recoveries (1,885) (54,090) (3,280) (44,885) ___________ ___________ ___________ ___________Net outstanding claims 48,918 98,581 37,747 95,237 ========= ========= ========= =========Company Provision for outstanding claims 47,545 130,374 39,276 125,571Retakaful recoveries (1,885) (45,197) (3,280) (42,948) ___________ ___________ ___________ ___________Net outstanding claims 45,660 85,177 35,996 82,623 ========= ========= ========= =========




11. Deferred taxation

Shareholders’ Fund

The amounts determined after appropriate offsetting, are as follows: Group Company 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Deferred tax assets (13,650) (15,498) (13,650) (15,389)Deferred tax liabilities 4,000 1,848 4,000 1,839 ___________ ___________ ___________ ___________Deferred tax assets (net) (9,650) (13,650) (9,650) (13,550) ========= ========= ========= =========

Deferred tax liabilities and assets are offset above where there is a legally enforceable right to set off current tax assets against current tax liabilities.


Property, plant and equipment - capital allowance 4,851 1,848 4,738 1,839Allowances (14,501) (15,498) (14,388) (15,389) ___________ ___________ ___________ ___________Deferred tax assets (net) (9,650) (13,650) (9,650) (13,550) ========= ========= ========= =========

12. Minority shareholders’ interests

This consists of the minority shareholder’s proportion of share capital and reserves of subsidiaries




13. Family Takaful Fund


Participants’ Account (PA)

At beginning of the year 1,344,838 1,213,990 1,302,658 1,161,565Add: Increase in PA 86,497 120,654 79,025 103,690 ___________ ___________ ___________ ___________ 1,431,335 1,334,644 1,381,683 1,265,255Profi t attributable to participants 38,468 30,358 39,493 31,257Allowance for diminution in value of investment 3,908 6,955 3,908 6,146Interfund balance 5,212 (27,119) - - ___________ ___________ ___________ ___________At end of the year 1,478,923 1,344,838 1,425,084 1,302,658 ========= ========= ========= ========= Participants’ Special Account (PSA)

At beginning of the year 473,765 432,308 477,970 430,967Add: Increase in PSA 26,022 30,716 25,641 32,812 ___________ ___________ ___________ ___________ 499,787 463,024 503,611 463,779Profi t attributable to participants 17,735 13,198 18,206 13,198Allowance for diminution in value of investment 2,963 993 2,963 993Interfund balance 1,846 (3,450) - - ___________ ___________ ___________ ___________ At end of the year 522,331 473,765 524,780 477,970 ========= ========= ========= ========= Group Family Takaful Fund (GFTA)

At beginning of the year 122,390 101,580 122,509 101,479Profi t attributable to participants 8,444 11,328 11,315 11,328 ___________ ___________ ___________ ___________ 130,834 112,908 133,824 112,807 ----------------- ----------------- ----------------- -----------------Movement in unearned reserves: - At beginning of the year (65,653) (57,514) (65,060) (57,004) - At end of the year 82,408 65,653 80,205 65,060 ___________ ___________ ___________ ___________ 16,755 8,139 15,145 8,056 ----------------- ----------------- ----------------- -----------------




13. Family Takaful Fund (continued)


Movement in allowance for diminution in value of investment- At beginning of the year (5,758) (4,112) (5,758) (4,112)- At end of the year 9,145 5,758 9,145 5,758 ___________ ___________ ___________ ___________ 3,387 1,646 3,387 1,646 ----------------- ----------------- ----------------- -----------------Interfund balance 533 (303) - - ----------------- ----------------- ----------------- -----------------At end of the year 151,509 122,390 152,356 122,509 ========= ========= ========= =========Family Takaful fund at end of the year 2,152,763 1,940,993 2,102,220 1,903,137 ========= ========= ========= ========= The statutory valuation of the Company’s Family Takaful Fund was made for the year ended 30 June 2006 and the results showed a surplus of RM17,117,665 (2005 - RM37,678,103) in respect of the participants’ special account.

14. General Takaful Fund


Revenue account accumulated surplus 70,911 65,445 78,789 68,823Unearned contribution reserves (Note 15) 187,283 149,319 180,410 143,205Allowance for diminution in value of investment 23,061 19,015 23,061 19,015Interfund balance 7,108 (2,348) - - ___________ ___________ ___________ ___________ 288,363 231,431 282,260 231,043 ========= ========= ========= =========

Revenue account accumulated surplus As at 1 July 2005/2004 65,445 50,925 68,823 46,237Net surplus attributable to participants for the fi nancial year 40,407 45,120 44,044 53,186

Profi ts paid to participants during fi nancial year (34,941) (30,600) (34,078) (30,600) ___________ ___________ ___________ ___________ Balance as at 30 June 70,911 65,445 78,789 68,823 ========= ========= ========= =========




15. Unearned Contribution Reserves Marine, AviationGroup Fire Motor & Transit Miscellaneous Total 2006 RM’000 RM’000 RM’000 RM’000 RM’000

At beginning of the year 103,052 24,641 5,376 16,250 149,319Increase/(decrease) in unearned contribution reserves 19,202 12,212 (678) 7,228 37,964 ___________ ___________ ___________ ___________ ___________At end of the year 122,254 36,853 4,698 23,478 187,283 ----------------- ----------------- ----------------- ----------------- -----------------2005

At beginning of the year 87,832 27,701 3,761 13,798 133,092 Increase/(decrease) in unearned contribution reserves 15,220 (3,060) 1,615 2,452 16,227 ___________ ___________ ___________ ___________ ___________At end of the year 103,052 24,641 5,376 16,250 149,319 ----------------- ----------------- ----------------- ----------------- -----------------Company2006

At beginning of the year 102,432 21,156 4,406 15,211 143,205 Increase/(decrease) in unearned contribution reserves 19,255 10,525 (745) 8,171 37,206 ___________ ___________ ___________ ___________ ___________At end of the year 121,687 31,681 3,661 23,382 180,411 ----------------- ----------------- ----------------- ----------------- -----------------

2005 At beginning of the year 87,188 23,453 2,788 13,142 126,571 Increase/(decrease) in unearned contribution reserves 15,244 (2,297) 1,618 2,069 16,634 ___________ ___________ ___________ ___________ ___________At end of the year 102,432 21,156 4,406 15,211 143,205 ----------------- ----------------- ----------------- ----------------- -----------------

16. Share capital Group and Company

2006 2005 RM’000 RM’000

Ordinary shares of RM1.00 each Authorised 500,000 500,000 ========= ========= Issued and fully paid Opening balance at 1 July 152,643 143,000 Issue of shares: - cash - 9,643 ___________ ___________ Closing balance at 30 June 152,643 152,643 ========= =========




17. Dividends

2006 2005 RM’000 RM’000

Ordinary dividend Final paid: 2005 – 7.5% per share less tax 8,243 6,292 (2004 – 6 % per share less tax) ========= =========

At the forthcoming Annual General Meeting, a fi nal dividend in respect of the year ended 30 June

2006 of 8.5% on 152,643,000 ordinary shares less 28% taxation amounting to RM9,341,752 (8.5 sen per share) will be proposed to shareholders for approval.

The fi nancial statements for the current fi nancial year do not refl ect this proposed dividend. Such dividend, if approved by the shareholders will be accounted for in shareholders’ equity as an appropriation of retained profi ts in the next fi nancial year ending 30 June 2007.

.18. Operating Revenue

Shareholders’ Family General Group Fund Takaful Takaful Total2006 RM’000 RM’000 RM’000 RM’000

Gross contributions - 451,806 395,414 847,220Investment income (Note 19) 12,532 96,389 13,000 121,921 ___________ ___________ ___________ ___________ 12,532 548,195 408,414 969,141 ========= ========= ========= ========= 2005 Gross contributions - 407,562 307,900 715,462Investment income (Note 19) 14,939 83,600 8,363 106,902 ___________ ___________ ___________ ___________ 14,939 491,162 316,263 822,364 ========= ========= ========= =========Company2006

Gross contributions - 375,074 341,874 716,948 Investment income (Note 19) 8,381 96,307 11,734 116,422 ___________ ___________ ___________ ___________ 8,381 471,381 353,608 833,370 ========= ========= ========= =========

2005 Gross contributions - 357,145 264,787 621,932Investment income (Note 19) 7,000 80,640 7,807 95,447 ___________ ___________ ___________ ___________ 7,000 437,785 272,594 717,379 ========= ========= ========= =========




19. Revenue - Investment income Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Government Islamic Papers - 9,191 2,056 Islamic Debt Securities 449 52,668 4,300 Deposit/ money market placements 7,852 23,822 6,191 Financing - Secured 36 1,027 288 - Staff 480 - - Profi t/(loss) on disposal of investment (102) (11,537) (4,195) Gross dividend Syariah approved shares - Quoted in Malaysia - 3,682 1,117 - Unquoted in Malaysia 219 628 - Other dividend income 1,183 2,225 34 Rental 2,415 14,683 3,209 ___________ ___________ ___________ Total Investment Income 12,532 96,389 13,000 ========= ========= ========= Group 2005 Government Islamic Papers - 8,402 1,012 Islamic Debt Securities - 43,610 2,167 Deposit/ money market placements 9,799 22,390 4,959 Financing - Secured 598 558 222 - Staff 499 433 - Gross dividend Syariah approved shares - Quoted in Malaysia 542 3,069 952 - Unquoted in Malaysia 216 633 - Profi t/(loss) on disposal of investment 494 (3,280) (3,503) Other dividend income 507 212 7 Rental 3,010 7,573 2,547 Allowance for non-performing fi nancing (726) - - ___________ ___________ ___________ Total Investment Income 14,939 83,600 8,363 ========= ========= =========




19. Revenue - Investment income (continued)

Shareholders’ Family General Company Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Government Islamic Papers - 9,191 784 Islamic Debt Securities 449 57,725 4,861 Deposit/ money market placements 3,701 21,097 5,420 Financing - Secured 36 788 287 - Staff 480 - - Gross dividend Syariah approved shares - Quoted in Malaysia - 3,682 - - Unquoted in Malaysia 219 625 - Profi t/(loss) on disposal of investment (102) (11,537) (4,070) Other dividend income 1,183 843 1,306 Rental 2,415 13,893 3,146 ___________ ___________ ___________ Total Investment Income 8,381 96,307 11,734 ========= ========= =========

Company 2005

Government Islamic Papers - 8,402 1,012 Islamic Debt Securities - 43,523 2,167 Deposit/ money market placements 3,402 20,211 4,403 Financing - Secured 98 558 222 - Staff 499 - - Gross dividend Syariah approved shares - Quoted in Malaysia 542 3,069 952 - Unquoted in Malaysia 216 633 - Profi t/(loss) on disposal of investment 494 (3,280) (3,503) Other dividend income 7 94 7 Rental 2,468 7,430 2,547 Allowance for non-performing fi nancing (726) - - ___________ ___________ ___________ Total Investment Income 7,000 80,640 7,807 ========= ========= =========




20. Other operating income Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Income from ILB – service charge and management fees 582 - - Miscellaneous income 5,245 180 982 ___________ ___________ ___________ 5,827 180 982 ========= ========= ========= 2005

Gain on disposal of investments 949 3,913 - Income from ILB – service charge and management fees 648 - - Miscellaneous income 7,070 210 152 ___________ ___________ ___________ 8,667 4,123 152 ========= ========= ========= Company

2006 Miscellaneous income 3,556 180 329 ========= ========= =========

2005

Gain on disposal of investments 949 3,840 - Income from ILB – service charge and management fees 648 - - Miscellaneous income 3,838 210 152 ___________ ___________ ___________ 5,435 4,050 152 ========= ========= =========




21. Management expenses Group Company 2006 2005 2006 2005 Shareholders Fund RM’000 RM’000 RM’000 RM’000

Staff costs 69,185 69,697 56,088 54,945 Directors’ remuneration - - Salaries and other emoluments 536 910 449 512 - Benefi ts in kind 113 222 113 222 - Fees 116 237 82 92 Syariah Committee remuneration - Emoluments 86 8 42 8 - Benefi ts in kind 42 21 1 21 - Fees 111 149 82 75 ___________ ___________ ___________ ___________ 70,189 71,244 56,857 55,875 ----------------- ----------------- ----------------- ----------------- Depreciation 8,997 6,914 7,053 5,381 Audit Fees - Holding company auditors 402 98 350 98 - Other auditors 43 20 - - Licence Fees 232 116 102 111 Legal Fees 31 260 22 205 Professional Fees 1,818 1,431 1,718 1,431 Rental of properties 14,987 10,445 14,489 10,075 Other expenses 4,748 5,253 3,159 2,562

___________ ___________ ___________ ___________ 31,258 24,537 26,893 19,863 ----------------- ----------------- ----------------- ----------------- Total management expenses 101,447 95,781 83,750 75,738 ========= ========= ========= ========= All management expenses are incurred at the shareholders’ fund level. The estimated monetary

value of benefi ts in kind received by the directors, not included in the above, amounting to RM15,200 (2005 - RM13,000).




22. Other operating expenses

Shareholders’ Family General Group Fund Takaful Takaful 2006 RM’000 RM’000 RM’000

Investment expenses 757 4,533 1,351 Administrative and general expenses 28,488 6,725 5,628 Allowance for bad and doubtful debts - 21,304 49,079 ___________ ___________ ___________ 29,245 32,562 56,058 ========= ========= ========= 2005 Investment expenses 658 3,942 1,175 Administrative and general expenses 25,455 2,770 6,578 ___________ ___________ ___________ 26,113 6,712 7,753 ========= ========= ========= Company 2006 Investment expenses 646 8,417 1,593 Administrative and general expenses 11,944 2,762 5,434 Allowance for bad and doubtful debts - 21,304 49,079 ___________ ___________ ___________ 12,590 32,483 56,106 ========= ========= ========= 2005 Investment expenses 658 3,942 1,200 Administrative and general expenses 11,499 2,770 2,049 ___________ ___________ ___________ 12,157 6,712 3,249 ========= ========= =========

23. Directors’ remuneration


Directors of the Company Executive: Salaries and other emoluments 352 570 332 423 Benefi ts-in-kind 45 27 8 23 ___________ ___________ ___________ ___________ 397 597 340 446 ----------------- ----------------- ----------------- -----------------




23. Directors’ remuneration (continued)


Non-Executive: Other emoluments 209 89 117 89 Fees 211 237 82 92 Benefi ts-in-kind 331 446 105 199 ___________ ___________ ___________ ___________ 751 772 304 380 ----------------- ----------------- ----------------- ----------------- Total 1,148 1,369 644 826 ========= ========= ========= =========

The number of Directors of the Company whose remuneration during the year falls within the following bands:

Number of Directors Executive Non-executive 2006 Nil to RM50,000 - 6 RM50,001 to RM100,000 - 3 RM100,001 to RM250,000 1 - More than RM250,000 1 -

2005

Below RM50,000 - 8 More than RM250,000 1 -

24. Employee information Group Company 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000

Staff costs 69,185 69,697 56,088 54,945 ========= ========= ========= =========

The number of employees of the Group and of the Company (including Executive Director) at the

end of the year was 2,472 (2005 - 2,408) and 1,871(2005 - 1,883) respectively.

Staff costs of the Group and of the Company includes contributions to the Employees Provident Funds of RM6,039,652 (2005-RM5,029,931) and RM5,821,425 (2005-RM4,832,162) respectively.




25. Employee benefi ts

Equity compensation benefi ts

Share option plan The group offers vested share options over ordinary shares to executive directors and employees

with more than one year’s service. Movements in the number of shares options held by employees are as follows:

2006 2005 RM’000 RM’000

As at 1 July 2005/2004 12,895 13,563 Issued during the year - - Exercised - (43) Ceased / Lapsed (266) (625) ___________ ___________ Outstanding at 30 June 12,629 12,895 ========= =========

Details of share options granted during the period: Expiry date 2/11/2008 2/11/2008 Exercise price per ordinary share (RM) 1.20 1.20 Aggregate proceeds if shares are issued (RM) 15,474 15,474 Terms of the options outstanding at 30 June 2006: Expiry date Exercise price Number

2 November 2008 RM1.20 12,629

26. Tax expense

Group Company 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000 Current tax expense Malaysian - current 520 5,229 562 5,229 - over provision Overseas - current - 22 - - ___________ ___________ ___________ ___________ 520 5,251 562 5,229 Deferred tax liability Origination and reversal of temporary differences 4,000 (1,809) 4,000 (1,765)

` ___________ ___________ ___________ ___________ 4,520 3,442 4,562 3,464 ========= ========= ========= =========




26. Tax expense (continued)

Group Company 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000 Reconciliation of effective tax rate

Profi t before taxation 44,288 32,596 35,449 37,437 ========= ========= ========= ========= Income tax using Malaysian tax rate 12,401 9,127 9,926 10,414 Effect of different tax rates (6,872) (5,456) (3,429) (4,380) Effect of different tax rates in foreign jurisdiction 2,515 1,859 - - Non-deductible expenses (3,524) (2,088) (1,935) (2,570) ___________ ___________ ___________ ___________ Tax expense 4,520 3,442 4,562 3,464 ========= ========= ========= =========

27. Earnings per share - group

Basic earnings per share

The calculation of basic earnings per share is based on the net profi t attributable to ordinary shareholders of RM33,362,691 (2005-RM27,612,437) and the number of ordinary shares outstanding during the year of 152,643,000 (2005 – 146,612,089).

Weighted average number of ordinary shares 2006 2005

RM’000 RM’000 Issued ordinary shares at beginning of the year 152,643 143,000 Effect of new shares issued - 3,612 ___________ ___________ Weighted average number of ordinary shares 152,643 146,612 ========= ========= Diluted earnings per share

The effect on the basic earnings per share for fi nancial year under review from the assumed conversion of the ESOS is anti-dilutive. Accordingly, fully diluted earning per share for the fi nancial year under review has not been presented.




28. Net Claims Incurred Marine, AviationGroup Fire Motor & Transit Miscellaneous Total2006 RM’000 RM’000 RM’000 RM’000 RM’000

Gross claims paid less salvage 87,925 22,877 37,160 65,516 213,478Retakaful recoveries (56,889) (2,111) (21,665) (41,377) (122,042)Provision for bad debt (19,149) (208) (9,889) (5,124) (34,370) ___________ ___________ ___________ ___________ ___________Net claims paid 11,887 20,558 5,606 19,015 57,066Net outstanding claims: At end of the year 11,614 38,446 8,342 35,569 93,971 At beginning of the year (10,463) (34,636) (7,514) (31,926) (84,539) ___________ ___________ ___________ ___________ ___________Net claims incurred 13,038 24,368 6,434 22,658 66,498 ========= ========= ========= ========= =========2005Gross claims paid less salvage 26,297 26,373 30,086 30,520 113,276Retakaful recoveries (14,470) (522) (27,548) (8,065) (50,605) ___________ ___________ ___________ ___________ ___________Net claims paid 11,827 25,851 2,538 22,455 62,671Net outstanding claims: At end of the year 10,463 34,636 7,514 31,926 84,539 At beginning of the year (10,635) (38,758) (6,349) (31,061) (86,803) ___________ ___________ ___________ ___________ ___________Net claims incurred 11,655 21,729 3,703 23,320 60,407 ========= ========= ========= ========= =========Company2006Gross claims paid less salvage 9,613 15,766 33,059 14,551 72,989Retakaful recoveries (34) 899 (25,854) 2,333 (22,656) ___________ ___________ ___________ ___________ ___________Net claims paid 9,579 16,665 7,205 16,884 50,333Net outstanding claims: At end of the year 9,694 34,039 6,040 35,403 85,176 At beginning of the year (10,332) (33,016) (7,469) (31,759) (82,576) ___________ ___________ ___________ ___________ ___________Net claims incurred 8,941 17,688 5,776 20,528 52,933 ========= ========= ========= ========= =========

2005Gross claims paid less salvage 21,579 20,507 29,875 26,559 98,520Retakaful recoveries (14,165) (264) (27,484) (7,381) (49,294) ___________ ___________ ___________ ___________ ___________Net claims paid 7,414 20,243 2,391 19,178 49,226Net outstanding claims: At end of the year 10,332 33,016 7,469 31,759 82,576 At beginning of the year (10,493) (37,001) (6,301) (30,880) (84,675) ___________ ___________ ___________ ___________ ___________Net claims incurred 7,253 16,258 3,559 20,057 47,127 ========= ========= ========= ========= =========




29. Investment-linked business (ILB)

Balance Sheet as at 30 June 2006 Group and Company

2006 2005 Assets RM’000 RM’000

Investments (Note 5) 24,463 13,745 Cash and bank balances 652 8,172 Receivables 637 228 Due from Family takaful fund (Note 9) 4 43 Due from General takaful fund (Note 9) 1 25 ___________ ___________ Total ILB assets 25,757 22,213 ----------------- ----------------- Liabilities Provision for outstanding claims 250 89 Advanced takaful contribution 165 362 Payables 360 38 Due to Shareholders’ fund (Note 7) 318 70 ___________ ___________ Total ILB liabilities 1,093 559 ----------------- ----------------- Net asset value of funds 24,664 21,654 ========= ========= Represented by: Investment-linked participants’ account: At the beginning of fi nancial year 21,654 16,835 Movement of Unearned Reserves 22 - Net surplus for the fi nancial year 2,988 4,819 ___________ ___________ At the end of fi nancial year 24,664 21,654 ========= =========




29. Investment-linked business (ILB) (continued)

Revenue account for the year ended 30 June 2006 Group and Company

2006 2005 RM’000 RM’000

Gross contributions 6,978 6,531 Outstanding Contribution (43) - Retakaful (25) (2) ___________ ___________ Net contributions 6,910 6,529 Unearned contribution (22) - ___________ ___________ Net retained contribution 6,888 6,529 ----------------- ----------------- Benefi t paid and payable Death (167) (122) Surrender (1,885) (1,164) Redemption of units for Tabarru’ (346) (319) Part withdrawal (344) (72) Service charge (252) (380) Other expenses (126) (361) Academic Achievement (22) - ___________ ___________ (3,142) (2,418) ----------------- ----------------- 3,746 4,111 Retained fund – Family individual ILB 3,052 3,891 Underwriting profi t – Group Family ILB 694 220

3,746 4,111 ----------------- ----------------- Underwriting profi t – Group family ILB 694 220 Investment income 740 1,887 Other income 9 2 Other operating expenses (379) (357) ___________ ___________ Profi t attributable to the Company and Participants 1,064 1,752

Profi t attributable to the Company transfer to Income Statement (451) (133) Profi t payable to participant (30) - ___________ ___________ Profi t attributable to participants for the year 583 1,619 ========= ========= Family ILB Fund at beginning of the year 21,654 16,835 Retained fund – Family ILB 3,052 3,891 Profi t to family ILB 25 - Profi t attributable to participants for the year 583 1,619 Unearned contribution 22 - Allowance for diminution in value of investment (672) (691) ___________ ___________ Family ILB Fund at year end 24,664 21,654 ========= =========




30. Holding company

The holding company is BIMB Holdings Berhad, a company incorporated in Malaysia and listed on the Bursa Malaysia Securities Berhad (formerly known as Kuala Lumpur Stock Exchange).

31. Related parties

Controlling related party relationships are as follows:

i) The holding company as disclosed in Note 30. ii) Its subsidiaries as disclosed in Note 3.

Group Company 2006 2005 2006 2005 RM’000 RM’000 RM’000 RM’000 Transactions Subsidiary Asean Retakaful International (L) Ltd. Contribution for facultative and treaty outward - - - 11,631

Related companies Bank Islam Malaysia Berhad Rental income 8,457 8,727 8,457 8,040 Contribution for group family takaful 19 9,611 19 9,611 Contribution for general takaful 738 1,044 738 1,044 BIMSec Asset Management Sdn. Bhd Management portfolio fee paid 335 325 335 325 ========= ========= ========= =========

These transactions have been entered into in the normal course of business and have been

established under negotiated terms.

32. Operating leases

Leases as lessee

Total future minimum lease payments under non-cancellable operating leases payable to a related company are as follows:

Group and Company

2006 2005 RM’000 RM’000

Less than one year 100 100 Between one and fi ve years 90 90 ========= =========

Lease commitments are wholly payable from the shareholders’ fund.

The Group and the Company leases a number of computer and equipment under operating leases. The leases typically run an initial period of fi ve years.




33. Commitments Group and Company

2006 2005 RM’000 RM’000

Capital commitments: Property, plant and equipment Authorised but not contracted for - 14,781 ___________ ___________ - 14,781 Investments Contracted but not provided for in the fi nancial statements 1,349 1,657 ___________ ___________ 1,349 16,438 ========= =========

34. Segmental information

Segment information is presented in respect of the Group’s business and geographical segments. The primary format, segments, is based on the Group’s management and internal reporting structure. Inter-segment pricing is determined based on negotiated terms.

Segment results, assets and liabilities include items directly attributable to a segment as well as

those that can be allocated on a reasonable basis. Unallocated items comprise expenses, which are all incurred by shareholders for the management of Takaful funds.

Segment capital expenditure is the total cost incurred during the period to acquire segment assets that are expected to be used for more than one period.

The business segment information has been presented by way of balance sheets and income statement/revenue accounts of the respective funds.

Geographical segments

The general takaful, family takaful and group family takaful segments are also operated in Indonesia. Retakaful segment is operated solely in Malaysia.

In presenting information on the basis of geographical segments, segment revenue is based on the geographical location of customers. Segment assets are also based on the geographical location of customers.




34. Segmental information (continued)

Malaysia Indonesia Eliminations Consolidated 2006 RM’000 RM’000 RM’000 RM’000

Revenue from external customers by location of customers 890,106 79,035 - 969,141 Segments assets by location of assets 3,131,361 160,117 (66,233) 3,225,245 Capital expenditure by location of assets 23,309 2,702 - 26,011 ========= ========= ========= ========= 2005

Revenue from external customers by location of customers 752,621 69,743 - 822,364 Segments assets by location of assets 2,739,814 110,652 (60,794) 2,789,672 Capital expenditure by location of assets 140,632 2,360 - 142,992 ========= ========= ========= =========

Segment Information on Cash Flow

Shareholders’ Family General Group Fund Takaful Takaful Total 2006 RM’000 RM’000 RM’000 RM’000

Cash fl ow from: Operating activities 8,453 3,394 9,870 21,717 Investing activities 6,779 (23,872) (12,164) (29,257) Financing activities (8,243) - - (8,243) ___________ ___________ ___________ ___________ 6,989 (20,478) (2,294) (15,783) ========= ========= ========= ========= Net increase/(decrease) in cash and cash equivalents 6,989 (20,478) (2,294) (15,783) Cash and cash equivalents: At beginning of the year 5,041 28,269 9,029 42,339 ___________ ___________ ___________ ___________ At end of the year 12,030 7,791 6,735 26,556 ========= ========= ========= =========




34. Segmental information (continued) Segment information on cash fl ow (continued) Shareholders’ Family General Fund Takaful Takaful Total RM’000 RM’000 RM’000 RM’000

2005 Cash fl ow from: Operating activities 17,238 131,897 1,792 150,927 Investing activities (23,508) (111,904) (7,668) (143,080) Financing activities 3,351 - - 3,351 ___________ ___________ ___________ ___________ (2,919) 19,993 (5,876) 11,198 ========= ========= ========= ========= Net increase/(decrease) in cash and cash equivalents (2,919) 19,993 (5,876) 11,198 Cash and cash equivalents: At beginning of the year 7,960 8,276 14,905 31,141 ___________ ___________ ___________ ___________ At end of the year 5,041 28,269 9,029 42,339 ========= ========= ========= ========= Company 2006

Cash fl ow from: Operating activities 14,079 (10,700) 11,963 15,342 Investing activities (1,221) (12,343) (13,471) (27,035) Financing activities (8,243) - - (8,243) ___________ ___________ ___________ ___________ 4,615 (23,043) (1,508) (19,936) ========= ========= ========= ========= Net increase/(decrease) in cash and cash equivalents 4,615 (23,043) (1,508) (19,936) Cash and cash equivalents: At beginning of the year 1,116 24,166 4,038 29,320 ___________ ___________ ___________ ___________ At end of the year 5,731 1,123 2,530 9,384 ========= ========= ========= =========




34. Segmental information (continued) Segment information on cash fl ow (continued) Shareholders’ Family General Fund Takaful Takaful Total RM’000 RM’000 RM’000 RM’000

Company 2005

Cash fl ow from: Operating activities 16,362 127,881 (775) 143,468 Investing activities (20,449) (109,011) (7,680) (137,140) Financing activities 3,351 - - 3,351 ___________ ___________ ___________ ___________ (736) 18,870 (8,455) 9,679 ========= ========= ========= =========

Net increase/(decrease) in cash and cash equivalents (736) 18,870 (8,455) 9,679 Cash and cash equivalents: At beginning of the year 1,852 5,296 12,493 19,641 ___________ ___________ ___________ ___________

At end of the year 1,116 24,166 4,038 29,320 ========= ========= ========= =========

35. Financial Risks

Financial risk management objectives and policies

Exposure to underwriting, credit, currency and liquidity risks arise in the normal course of the Group and the Company’s business. The Group and Company are guided by risk management policies and guidelines set out their overall business strategies and their general risk management philosophy. The Group and the Company have established processes to monitor the risk on an ongoing basis.

Underwriting risk

Underwriting risk includes the risk of incurring higher claims costs than expected owing to the random nature of claims and their frequency and severity and the risk of change in legal or economic conditions or behavioural patterns affecting takaful pricing and conditions of takaful or retakaful cover. This may result in the retakaful having either received too little contribution for the risks it has agreed to underwrite and hence has not enough funds to invest and pay claim, or claim are in excess of those expected.

The Group and the Company seeks to minimise underwriting risks with a balances mix and spread of business between classes of business and by observing underwriting guidelines and limits, conservative estimation of the claims provisions and high standards applied to security at Retakaful.

Credit risk

Credit risk represents the loss that would be recognised if counter parties to takaful, retakaful and investment transactions failed to perform as contracted.




35. Financial Risks (continued)

Management has a credit policy in place and the exposure to credit risk is monitored on an ongoing basis. Credit evaluations are performed on all new participants, brokers, retakaful, reinsurance, fi nancial institutions and other counter parties.

At balance sheet date, there were no signifi cant concentrations of credit risk. The maximum exposure to credit risk for the Group and the Company are represented by the carrying amount of each fi nancial asset.

Foreign currency risk

The Group and the Company incur foreign currency risk on transactions that are denominated in a currency other than Ringgit Malaysia and also the translation of the fi nancial statements of the subsidiaries to Ringgit Malaysia. Exposures to foreign currency risk are monitored on an ongoing basis.

The Group and the Company do not hedge their foreign currency risk.

Liquidity risk The Group monitors and maintains a level of cash and cash equivalents deemed adequate by

management to fi nance the Group’s operations and to mitigate the effects of fl uctuations in cash fl ows.

Maklumat HartanahParticulars Of Landed Properties


TarikhPerjanjianJualbeli/

Date of Sale and Purchase

Agreement

No. Hakmilik/Tenure

Penerangan Kegunaan/

Description of Existing Use

Lokasi/Location

Nilai BukuBersih pada/

Net BookValue as at30.06.2006

(RM)

KeluasanTanah,

Kawasan Bina/Land,

Built-up Area(kaki persegi/square feet)

UsiaBangunan/

Age ofBuilding(tahun/years)

1

2

3

4

5

6

7

8

9

10

Lot 11 & 12Plaza MelakaJalan Hang Tuah75300 Melaka

Lot 1 & 2Kompleks Perniagaan Fajar91000 TawauSabah

No. 64 & 65Kompleks JitraJalan Sungai Korok06000 JitraKedah Darul Aman

No. 23Medan Istana 3Bandar Ipoh Raya30450 IpohPerak Darul Ridzuan

No. 84Batu 3 1/4Jalan Gombak53000 Kuala Lumpur

Lot 6966, Blok 59Muara TuangJalan Datok Mohd Musa94300 Kota SamarahanSarawak

Lot 54 & 55Bandar Wilayah JasaJalan Bunga Raya91112 Lahad DatuSabah

No. 24Jalan USJ 10/1B47500 Subang JayaSelangor Darul Ehsan

No. 15 & 17Jalan KelibangLangkawi Mall07000 Kuah, LangkawiKedah Darul Aman

No. 26 & 28Jalan Perda BaratBukit MertajamSeberang Prai14000 Penang

Dua unit Rumah kedai/Pejabat 4 1/2 tingkatTwo units of 4 1/2 storeyShophouse/Offi ce

Tiga unit Kompleks Perniagaan/Pejabat 4 tingkat Three units of 4 storey Commercial Complex/ Offi ce

Dua unit Rumah kedai/Pejabat 2 tingkat Two units of 2 storeyShophouse/Offi ce

Satu unit Rumah kedai/Pejabat 3 tingkatOne unit of 3 storeyShophouse/Offi ce


Satu unit Rumah kedai/Pejabat 3 tingkatOne unit of 3 storey Shophouse/Offi ce

Dua unit Rumah kedai/Pejabat 3 tingkatTwo units of 3 storeyShophouse/Offi ce




Pegangan BebasFreehold

Pajakan bandar 999 tahun berakhir pada 31.12.2895999 years townlease expiringon 31.12.2895


Pajakan 99 tahunberakhir pada30.03.208199 years leaseexpiring on30.03.2081



Pajakan bandar 99 tahun berakhir pada 31.12.209099 years town leaseexpiring on 31.12.2090



Pegangan bebasFreehold

23

15

20

11

20

11

11

12

13

8

3,485/14,434

4,025/6,037

3,095/6,935

1,539/4,255

1,883/8,700

1,312/3,750

2,400/7,200

3,200/9,600

1,440/7,720

3,293/8,840

1,086,683.56

1,156,636.56

417,830.86

448,448.22

786,898.07

333,044.04

964,576.99

3,664,616.67

644,091.91

991,512.94

03.05.1985

12.07.1991

30.09.1991

20.09.1995

22.12.1995

07.07.1995

27.12.1995

08.06.1996

17.07.1993

04.10.1996





Agreement

No. Hakmilik/Tenure



Lokasi/Location



(RM)

KeluasanTanah,

Kawasan Bina/Land,


UsiaBangunan/


4,817/18,892

3,360/8,544

1,920/7,070

2,658/9,930

3,972/19,630

35,192/232,182

2,504/7,200

1,312/3,750

4,447/16,800

8,354*

11

12

13

14

15

16

17

18

19

20

Lot 2, 3 & 4Jalan Kulas93400 KuchingSarawak

No. 14 & 16Jalan Ibrahim81900 Kota TinggiJohor Darul Ta’zim

No. 312Jalan Bandar 13Taman Melawati53100 Kuala Lumpur

Lot 9046, Fasa 1AJalan Haji Manan86000 KluangJohor Darul Ta’zim

No. 64 - DLeboh Bishop10200 Pulau Pinang

Darul TakafulJalan Sultan Ismail50250 Kuala Lumpur

Lot 13 & 14Lazenda Commercial CentreJalan Okk Abdullah87007 Labuan

Lot 6967, Blok 59Muara TuangJalan Datok Mohd Musa94300 Kota SamarahanSarawak

Lot 28, 30 & 32Jalan 2/3A, Pasar Borong68100 SelayangSelangor Darul Ehsan

Lot 12680Level 1 & MezzanineJalan Tan Hiok Nee80000 Johor BharuJohor Darul Ta’zim

Tiga unit Rumah kedai/Pejabat 3 tingkatThree units of 3 storeyShophouse/Offi ce




Satu unit bangunanPejabat 6 tingkat(9 level)One unit of 6 storeyOffi ce building (9 level)

Satu unit bangunanPejabat 20 tingkatOne unit of 20 storeyOffi ce building

Dua unit bangunanPejabat 3 tingkatTwo units of 3 storeyOffi ce building



Dua tingkat bangunanPejabat 13 tingkatTwo fl oors of 13 storeyOffi ce building


Pajakan 99 tahunLot 14 berakhir pada 08.05.2082Lot 16 berakhir pada 04.12.207899 years leaseLot 14 expiring on08.05.2082Lot 16 expiring on04.12.2078


Pajakan 99 tahun99 years lease







11

20

12

10

29

18

12

11

19

8

2,655,708.25

995,113.86

821,356.17

1,142,793.89

5,997,825.50

58,952,060.74

1,701,927.06

340,098.21

3,271,926.60

5,203,002.00

02.01.1996

07.02.1996

30.06.1994

27.03.1992

24.04.1996

14.05.1997

14.01.1997

09.04.1996

Lot No.28 & 30

17.02.1997

Lot No. 3212.05.1997

09.03.1998





Agreement

No. Hakmilik/Tenure



Lokasi/Location



(RM)

KeluasanTanah,

Kawasan Bina/Land,


UsiaBangunan/


21

22

23

24

25

26

27

28

29

30

Lot 12680Level 3Jalan Tan Hiok Nee80000 Johor BharuJohor Darul Ta’zim

Lot 14(S1) & 15(S1)Indah Point, Section 12Pulau Indah Industrial Park42000 KlangWest PortSelangor Darul Ehsan

No. 1 & 2Jalan KelicapTaman Pekan Baru34200 Parit BuntarPerak Darul Ridzuan

No. 46 & 47Darul TakafulJalan Rahmat83000 Batu PahatJohor Darul Ta’zim

No. 180 & 181Jalan Tuan Hitam22000 JertehTerengganu Darul Iman

Lot 82, 84 & 86Jalan Rugbi 13/30Seksyen 1340100 Shah AlamSelangor Darul Ehsan

No. 229, Jalan Shahab 2Shahab PerdanaJalan Sultanah Sambungan05350 Alor StarKedah Darul Aman

Lot No. 3803Jalan Dato’ Ulu Muar72000 Kuala PilahNegeri Sembilan Darul Khusus

No. 45Jalan Teluk Sisek25000 KuantanPahang Darul Makmur

Lot. 21, 22, & 23Pusat Komersil Temerloh28000 TemerlohPahang Darul Makmur

Satu tingkat bangunanPejabat 13 tingkatOne fl oor of 13 storeyOffi ce building

Dua unit Rumah kedai/Pejabat 4 tingkat (kosong)Two units of 4 storeyShophouse/Offi ce (vacant)


Dua unit Rumah kedai/Pejabat 4 tingkatTwo units of 4 StoreyShophouse/Offi ce



Satu unit Rumah kedai/Pejabat 2 1/2 tingkatOne unit of 2 1/2 storeyShophouse/Offi ce



Tiga unit Rumah kedai/Pejabat 2 1/2 tingkatThree units of2 1/2 storeyShophouse/Offi e











8

7

19

17

16

7

10

7

6

6

6,594*

3,300/10,560

3,956/7,044

3,220/12,092

3,200/12,250

6,339/11,309

1,400/3,570

2,001/3,120

3,200/8,019

4,195/15,050

3,269,553.86

1,386,290.97

527,024.78

1,278,740.22

989,473.76

1,704,776.02

272,603.90

591,254.30

1,960,144.59

1,019,364.07

06.01.1999

19.12.1996

18.09.1999

18.09.1999

18.09.1999

07.05.1997

15.07.1999

01.07.1997

15.09.2000

02.10.2000





Agreement

No. Hakmilik/Tenure



Lokasi/Location



(RM)

KeluasanTanah,

Kawasan Bina/Land,


UsiaBangunan/


31

32

33

34

35

36

37

38

39

No. 2 & 4Jalan 6C/743650 Bandar Baru BangiSelangor Darul Ehsan

Lot 14Arab MalaysianBusiness CentreJalan Pasar70000 SerembanNegeri SembilanDarul Khusus

Tingkat Bawah & MezzanineWisma Abrar InternationalLot 54, Seksyen 815350 Kota BharuKelantan Darul Naim

No. 29, Jalan DelimaPusat Perdagangan Pontian80000 PontianJohor Darul Ta’zim

Lot 11 & 12Kompleks Seri TeminJalan Ibrahim08000 Sungai PetaniKedah Darul Aman

Lot 1129 & 1130Bangunan Darul TakafulJalan Sultan Ismail20100 Kuala TerengganuTerengganu Darul Iman

No. 616 & 617Jalan BesarBandar Tampin 73000Negeri Sembilan Darul Khusus

No. 6, Jalan 6C/743650 Bandar Baru BangiSelangor Darul Ehsan

Unit 3B/GTingkat BawahBlok 3B, Plaza SentralJalan Stesen Sentral 550470 Kuala Lumpur


Satu unit Rumah kedai/Pejabat 6 tingkatOne unit of 6 storeyShophouse/ Offi ce

Satu tingkat bangunanPejabat 8 1/2 tingkatOne fl oor of 8 1/2 storeyOffi ce building

Satu unit Rumah kedai/Pejabat 3 TingkatOne unit of 3 storeyShophouse/Offi ce





Satu tingkat bangunanPejabat 22 tingkatOne fl oor of 22 storeyOffi ce building






Pajakan kecil 45 tahun berakhir pada 28.02.204745 years sub leaseexpiring on28.02.2047

Pajakan 99 tahunberakhir pada05.10.208899 year leaseexpiring on05.10.2088

Pajakan 99 tahunberakhir pada08.07.208699 year leaseexpiring on08.07.2086

Pegangan bebasFreehold

19

10

9

5

21

4

14

19

5

6,383/8,032

1,500/14,589

7,925*

3,899/10,248

2,800/11,020

3,600/23,637

4,498/8,685

1,905/3,508

6,409*

1,155,976.18

3,030,684.85

3,022,907.06

1,280,075.65

1,018,094.30

6,521,815.12

652,865.14

466,136.53

4,015,065.00

08.09.1999

19.05.2000

08.07.1998

23.03.2002

08.09.1999

29.12.1997

17.09.1999

09.08.2002

26.06.2001





Agreement

No. Hakmilik/Tenure



Lokasi/Location



(RM)

KeluasanTanah,

Kawasan Bina/Land,


UsiaBangunan/


40

41

42

43

44

45

46

47

48


Dua unit bangunanPejabat 4 1/2 tingkatTwo units of 4 1/2 storeyOffi ce building

Dua unit bangunanPejabat Blok Utama -26 tingkatBlok Annex - 29 tingkatTwo units ofOffi ce buildingMain Block - 26 storeyAnnex Block - 29 storey



Dua unit bangunanPejabat 3 tingkatTwo units of 3 storey Offi ce building


Dua unit bangunan Pejabat 3 tingkatTwo units of 3 storey Offi ce building

Satu unit bangunan Pejabat 4 tingkatOne unit of 4 storey Offi ce building








Pajakan selama99 tahun99 years lease

Pajakan 99 tahun berakhir pada 03.10.208099 years lease expiring on 03.10.2080

25

24

Blok Utama/Main Block

- 33Blok Annex/Annex Block

- 26

10

3

4

4

0.8

21

1,600/4,000

3,200/15,200

90,427/393,508

2,800/5,300

3,134/18,304

3,852/9,120

8,716/18,440

3,080/8,024

1,400/5,510

497,677.67

1,250,640.07

115,339,169.86

817,869.14

1,310,020.30

1,427,873.24

3,610,960.01

1,523,545.70

774,342.50

17.09.1999

03.07.2002

08.10.2004

10.08.2004

18.08.2003

03.07.2002

27.07.2002

30.11.2004

11.09.2005

No. 26 & 27Jalan Tanjung Pasar Baru18500 MachangKelantan Darul Naim

No. 330 & 331Jalan Sultan Yahya Petra15720 Kota BharuKelantan Darul Naim

Dataran KewanganDarul TakafulJalan Sultan Sulaiman50000 Kuala Lumpur

No. 2408Taman Samudera32040 Sri ManjungPerak Darul Ridzuan

No. 76A & 76Pusat PerniagaanJalan Tupai34000 TaipingPerak Darul Ridzuan

No. 10 & 11Jalan Sultan Yahya Petra15200 Kota BharuKelantanDarul Naim

No. 4197Jalan Teluk Wanjah05200 Alor StarKedah Darul Aman

No. 10 & 8Jalan Padi Emas 5/2 Bandar Baru UDA 81200 Johor BharuJohor Darul Ta’zim

No. 4Kompleks Seri TeminJalan Ibrahim08000 Sungai Petani Kedah Darul Aman





Agreement

No. Hakmilik/Tenure



Lokasi/Location



(RM)

KeluasanTanah,

Kawasan Bina/Land,


UsiaBangunan/


49

50

51

52




Satu unit bangunan Pejabat 4 ½ tingkatOne unit of 4 ½ storey Offi ce building


Pajakan 60 tahun berakhir pada 30.09.205260 years lease expiring on 30.09.2052



7

2

0.8

13

1,600/4,172

1,400/5,500

1,540/4,012

1,470/6,117

392,594.58

908,420.00

761,679.25

860,931.96

29.11.2005

20.01.2006

14.02.2006

21.03.2006

No. 16Jalan CenderawasihJalan Kilang Lama 09000 Kulim Kedah Darul Aman

Lot 1340Miri Waterfront Commercial Centre 98000 MiriSarawak

No. 6Jalan Padi Emas 5/2Bandar Baru UDA 81200 Johor BharuJohor Darul Ta’zim

No. 148Kompleks Munshi Abdullah 75200 Melaka

JUMLAH/ TOTAL 255,214,722.68

* Kawasan Bina/Built-up Area


Statistik Pegangan SahamShareholdings Statistics

Modal Saham / Share Capital

Modal dibenarkan Authorised capital

Modal yang diterbitkan dandibayar sepenuhnyaIssued and fully paid-up capital

Jumlah pemegang saham pada2 Oktober 2006No. of shareholders as at 2 October 2006

Kelas sahamClass of shares

Hak mengundiVoting right

500,000,000 saham biasa 500,000,000 ordinary shares

152,693,000 saham biasa bernilai RM1.00 sesaham152,693,000 ordinary shares of RM1.00 each

1,753

RM1.00 saham biasa ordinary shares of RM1.00

1 undi bagi setiap saham biasa 1 vote per ordinary share

:

:

:

:

:

Pemegang-Pemegang Saham Utama Substantial Shareholders’ Shareholdings

(5% Dan Lebih / 5% And Above)

Nama Pemegang SahamName of Shareholders

BIMB Holdings Berhad Employees Provident Fund Board Jumlah / Total

Jumlah SahamNumbers of Shares

106,183,675

9,756,120

115,939,795

Peratus (%)Percentage (%)

69.54

6.39

75.93


Saiz Pegangan SahamSize of Shareholdings

Kurang dari 100Less than 100

100 - 1,000

1,001 - 10,000

10,001 - 100,000

100,001 sehingga kurangdaripada 5% saham diterbit100,001 to less than 5% of issuedshares

5% dan lebih saham diterbitkan5% and above of issued shares

Jumlah / Total


Pegangan Saham Para Pengarah Pada 2 Oktober 2006Directors’ Shareholdings As At 2 October 2006

Nama PengarahName of Directors

Tan Sri Dr. Hadenan b. A. Jalil

Dato’ Mohd. Fadzli b. Yusof

Tuan Haji Taib b. Rasak

Dato’ Sri Wan Abdul Wahid b.Wan Hassan

Dato’ Ahmad Maher b. Abdul Manan

Tuan Haji Md. Azmi b. Abu Bakar

Dato’ Noorazman b. A. Aziz

Dato’ Alwi b. Muhamad

Encik Mohamed Hassan b. Md. Kamil

Jumlah / Total

Jumlah Pegangan Saham

Number of Shareholdings

-

75,800

-

-

-

9,600

-

-

-

85,400


-

0.05

-

-

-

0.01

-

-

-

0.06

Analisa Pegangan Saham Mengikut Saiz Pada 2 Oktober 2006 Analysis By Size Of Shareholdings As At 2 October 2006

Bilangan Pemegang

SahamNumber of

Shareholders

29

228

1,304

154

36

2

1,753


1.65

13.01

74.40

8.78

2.05

0.11

100.00


0.00

0.11

2.55

2.76

94.51

0.07

100.00

JumlahPegangan

SahamNumber of

Shareholdings

870

172,500

3,899,130

4,220,400

144,314,700

85,400

152,693,000



Tiga Puluh (30) Pemegang Saham Terbesar Pada 2 Oktober 2006Thirty (30) Largest Shareholders As At 2 October 2006

Nama Pemegang SahamNames of Shareholders


Employees Provident Fund Board

Bimsec Nominees (Asing) Sdn Bhd(Islamic Development Bank)

Affi n Nominees (Tempatan) Sdn Bhd(Affi n Fund Management Sdn Bhd for Majlis Ugama Islam Dan Adat Resam Melayu Pahang)

Lembaga Kemajuan Tanah Persekutuan (FELDA)

Majlis Agama Islam Negeri Sembilan

Kenanga Nominees (Tempatan) Sdn Bhd(A/C for Majlis Agama Islam Dan Adat Melayu Terengganu)

Bumiputra-Commerce Trustee Berhad(Amanah Saham Darul Iman)

Majlis Agama Islam Melaka

Bumiputra-Commerce Trustee Berhad(Amanah Saham Darul Iman)

Chua Seng Sam

Perbadanan Kemajuan Ekonomi Islam Negeri Perak

Universiti Sains Malaysia

PKNS Infra Berhad

Mayban Nominees (Tempatan) Sdn Bhd(A/C for Yeoh Ah Tu)

Amanah Raya Nominees (Tempatan) Sdn Bhd(Dana Islamiah Affi n)

Majlis Agama Islam Dan Adat Melayu Perak Darul Ridzuan

Amin Baitulmal Johor

RHB Nominees (Asing) Sdn Bhd(RUSD Investment Bank Inc.)

Ismail Bin Mahayudin

Jumlah SahamNumber of Shares

106,183,675

9,756,120

7,000,000

4,602,000

2,961,400

2,070,900

1,554,600

1,141,400

998,250

793,000

560,055

500,000

500,000

500,000

481,000

423,000

400,000

400,000

389,800

305,000


69.54

6.39

4.58

3.01

1.94

1.36

1.02

0.75

0.65

0.52

0.37

0.33

0.33

0.33

0.32

0.28

0.26

0.26

0.26

0.20



Jumlah SahamNumber of Shares

260,000

245,200

228,800

193,600

180,200

159,300

156,700

156,000

150,000

142,400

143,392,400


0.17

0.16

0.15

0.13

0.12

0.10

0.10

0.10

0.10

0.09

93.92

Nama Pemegang SahamNames of Shareholders

Yeoh Ah Tu

Meng Hin Holdings Sdn Bhd

Lembaga Tabung Haji

Amanah Raya Berhad(Kumpulan Modal Bumiputra Pahang)


Majlis Agama Islam Dan Adat Istiadat Melayu Perlis

Universal Trustee (Malaysia) Berhad(SBB Dana Al-Azam)


Cheng Hon Sang

Onn Kok Puay (Weng Guopei)

Jumlah / Total


Rangkaian CawanganBranch Network

WILAYAH PERSEKUTUAN

1 W01 Ibu PejabatTingkat 26, Blok AnnexDataran Kewangan Darul TakafulNo.4 Jalan Sultan Sulaiman50000 Kuala LumpurTel : 03 – 22681984 , 27111984Faks : 03-22741464Toll Free : 1-300-13-7180Web : http://www.takaful-malaysia.com

2 W02 Cawangan Medan TuankuNo 291B & 291CMedan TuankuJalan Tuanku Abdul Rahman50100 Kuala LumpurTel : 03-26925472, 26931649Faks : 03-26943211

3 W03 Cawangan Jalan Tun RazakLot 1, Tingkat 17Bangunan Ibu Pejabat Tabung Haji201 Jalan Tun Razak50400 Kuala LumpurTel : 03-21621307 • Fax : 03-21647446

4 W04 Cawangan KL SentralLot CS / 3B / G, Tingkat BawahPlaza SentralJalan Stesen Sentral 550470 Kuala LumpurTel : 03-2273 7691 • Fax : 03-2274 1907

5 W05 Cawangan Taman MelawatiNo. 312C, Tingkat 2Darul TakafulJalan Bandar 13Taman Melawati53100 Kuala LumpurTel : 03-4106 5854 • Fax : 03-4106 5869 03-4106 3718

6 W06 Cawangan SelayangNo. 32, Tingkat Bawah Darul TakafulJalan 2/3APusat Bandar UtaraPasar Borong Selayang68100 Batu CavesKuala LumpurTel : 03-61378843 • Fax : 03-61379028 03-61378859 03-61377291

7 W07 Cawangan Jalan Sultan IsmailTingkat 2, Darul TakafulJalan Sultan Ismail50250 Kuala LumpurTel : 03-2694 0551 • Fax : 03-2693 8657 03-26940485

8 W09 Cawangan PutrajayaTingkat 1, Blok E 16Parcel E, Precinct 1 Anjung62000 PutrajayaWilayah PersekutuanTel : 03-8889 5261 • Fax : 03-8889 5262

9 KL01 Cawangan Kuala LumpurTingkat Bawah, Blok AnnexMenara Tun Razak, Jalan Raja Laut50350 Kuala LumpurTel : 03-26987039 • Fax : 03-26917511 03-26987034

10 W10 Cawangan Pandan Indah13-1, Blok B, Jalan Perubatan Talam 2Pusat Perubatan TalamPandan Indah55100 Kuala LumpurTel : 03-4297 9794 • Fax : 03-4297 1501

11 W11 Cawangan Bandar Tun RazakNo. 64-1, Blok 5Jalan Jujur, Bandar Tun Razak56000 Kuala LumpurTel : 03-91712311 • Fax : 03-91711133

12 W12 Cawangan Taman Tun Dr IsmailNo.3 Tingkat BawahJalan Wan Kadir 2, Taman Tun Dr Ismail60000 Kuala LumpurTel : 03-77251041 • Faks : 03-77250294

03-77250690

13 KL02 Cawangan Dataran Kewangan Darul Takaful

Tingkat Bawah, Blok UtamaDataran Kewangan Darul TakafulNo. 4, Jalan Sultan Sulaiman50000 Kuala LumpurTel : 03-2273 6314 • Faks : 03-2273 4926

SELANGOR DARUL EHSAN

14 B01 Cawangan KlangLot 17, Tingkat 1, Jalan Taman41400 Klang, Selangor Darul EhsanTel : 03-33418204 • Fax : 03-33445724 03-33448713 03-33446055

15 B02 Cawangan Bandar Baru BangiNo. 6, Tingkat 1, Jalan 6C/743650 Bandar Baru BangiSelangor Darul EhsanTel : 03-89257589 • Fax : 03-89269380 03-89269379 03-89223053



16 B03 Cawangan Sungai BesarNo. 25E, Tingkat 1Bangunan KOSPEPJalan Mahsuri45300 Sungai BesarSelangor Darul EhsanTel : 03-32241921 • Fax : 03-32247686 03-32244496

17 B04 Cawangan Shah Alam S13Tingkat Bawah, Darul TakafulLot No. 82, 84, 86, Jalan Rugbi 13/30Seksyen 1340100 Shah AlamSelangor Darul EhsanTel : 03-55117943 • Fax : 03-55117946 03-55117944 03-55117945 03-55107668

18 B05 Cawangan BantingNo. 14, Tingkat AtasJalan Cempaka42700 BantingSelangor Darul EhsanTel : 03-31879122 • Fax : 03-31817690 03-3180 4150

19 B06 Cawangan Petaling JayaNo.10-2 & 12-2, Tingkat 1Jalan 14/22, The Right Angle46100 Petaling JayaSelangor Darul EhsanTel : 03-79552723 • Fax : 03-79583533 03-79579533 03-79583533

20 B07 Cawangan Kuala Kubu BharuNo. 8A, Tingkat 1Off Jalan Abdul Hamid44000 Kuala Kubu BharuSelangor Darul EhsanTel : 03-60641235 • Fax : 03-60643982

21 B08 Cawangan KajangNo. 5A, Plaza KajangJalan Dato’ P. Algendra 143000 KajangSelangor Darul EhsanTel : 03-87346479 • Fax: 03-87346480 03 – 87376591

22 B09 Cawangan Subang JayaNo. 24, Tingkat 2, Darul TakafulJalan USJ 10/1B47500 Subang JayaSelangor Darul EhsanTel : 03-56379387 • Fax : 03-56379391

23 B10 Cawangan Tanjong KarangNo. 732A, Tingkat AtasRumah Kedai Mara43000 Tanjong KarangSelangor Darul EhsanTel : 03-32693197 • Fax : 03-32693712 03-32698011

24 B11 Cawangan PuchongLot. 12, Tingkat 1Jalan Bandar 3Pusat Bandar Puchong47100 PuchongSelangor Darul EhsanTel : 03-58827344 • Fax : 03-58827345

25 B12 Cawangan Shah Alam S9No. 15, Tingkat 1Jalan Tengku Ampuan Zabedah 9/BSeksyen 940000 Shah AlamSelangor Darul EhsanTel : 03-55196141 • Fax : 03-55106249 03-55105248 03-55102162

26 B13 Cawangan Sungai BulohNo. 20, Tingkat 1, BRP 1/2Bukit Rahman Putra47000 Sungai BulohSelangor Darul EhsanTel : 03-61578967 • Fax : 03-61566253

27 B14 Pusat Perkhidmatan Pelanggan Carrefour

Lot F2.03, Tingkat F2Carrefour Subang JayaNo. 3 Jalan SS 16/147500 Subang JayaSelangor Darul EhsanTel : 03-56363221 • Fax : 03-56373635

28 B15 Cawangan RawangNo. 33A, Tingkat 1Jalan Bandar Rawang 2Pusat Bandar Rawang48000 RawangSelangor Darul EhsanTel : 03- 6092 6702 • Fax : 03-6092 7372

29 B16 Cawangan SerdangNo. 52-1Jalan Dagang 4/2Taman Sungai Besi Indah43300 Sri KembanganSelangor Darul EhsanTel : 03-8945 9224 • Fax : 03-8945 4209



KEDAH DARUL AMAN

30 K01 Cawangan Alor SetarDarul TakafulNo. 229 Jalan Shahab 2Shahab PerdanaJalan Sultanah Sambungan05150 Alor SetarKedah Darul AmanTel : 04-733 4722 • Fax : 04-730 2414 04-730 7472 04-731 9933

31 K02 Cawangan Sungai PetaniDarul TakafulNo 4, Kompleks Seri TeminJalan Ibrahim08000 Sungai PetaniKedah Darul AmanTel : 04-421 4510 • Fax : 04-425 7588 04-425 6588 04-423 0716

32 K03 Cawangan KulimDarul TakafulNo 16, Taman CenderawasihJalan Tuanku Putra09000 KulimKedah Darul AmanTel : 04-490 6306 • Fax : 04-491 1241 04-495 0615

33 K04 Cawangan JitraNo. 70, Tingkat 1Kompleks JitraJalan Sungai Korok06000 JitraKedah Darul AmanTel : 04-917 4090 • Fax : 04-916 2437 04-917 3976

34 K05 Cawangan BalingLot 3, Tingkat 2Bangunan Tabung HajiJalan Bandar Baru Baling09100 BalingKedah Darul AmanTel : 04-470 4481 • Fax : 04-470 6711 04-470 7980

35 K06 Cawangan LangkawiNo. 15, Tingkat 1, Darul TakafulJalan Kelibang, Langkawi Mall07000 KuahKedah Darul AmanTel : 04-966 6242 • Fax : 04-966 6394 04-966 0052

36 K07 Cawangan Guar ChempedakLot. 4(2), Tingkat 2Bangunan Tabung Haji08800 Guar ChempedakKedah Darul AmanTel : 04-468 2181 • Fax : 04-468 2182 04-468 2193

PERLIS INDERA KAYANGAN

37 R01 Cawangan KangarNo. 55, Tingkat 1, Lorong SerulingJalan Bukit Lagi01000 KangarPerlis Indera KayanganTel : 04-976 2901 • Fax : 04-977 7805 04-977 7804 04-977 1889

PULAU PINANG

38 P01 Cawangan Bandar PerdaNo. 28, Jalan Perda Barat 1Bandar Baru Perda14000 Bukit MertajamPulau PinangTel : 04-537 8573 • Fax : 04-537 8650 04-538 8479

39 P02 Cawangan Bukit Jambul8C-1, Jalan Tun Dr. AwangSungai Nibong Kecil, Bukit Jambul11900 Bayan LepasPulau PinangTel : 04-641 2414 • Fax : 04-646 0255 04-642 8211

40 P03 Cawangan GeorgetownNo. 64-D, Aras 8, Darul TakafulLeboh Bishop10200 GeorgetownPulau PinangTel : 04-263 7719 • Fax : 04-263 8400 04-263 8376

41 P04 Cawangan Nibong TebalNo. 6, Jalan Besar, Taman MerbahSeberang Perai Selatan14300 Nibong TebalPulau PinangTel : 04-593 9446 • Fax : 04-593 9462



42 P05 Cawangan Kepala BatasNo. 2148, Tingkat Bawah & 1Jalan Bertam13200 Kepala BatasSeberang Perai Utara, Pulau PinangTel : 04-574 1594 • Fax : 04-574 1596 04-575 9278

43 P06 Cawangan ButterworthNo. 71, Tingkat 2Bangunan Bank Islam Malaysia BerhadTaman Selat12000 ButterworthPulau PinangTel : 04-331 0617 • Fax : 04-323 0618 04-323 0617

44 P07 Cawangan Balik PulauNo. 858-N, Tingkat 1Taman Sri IndahJalan Balik Pulau11000 Pulau PinangTel : 04-8664502 • Fax : 04-8664501

45 P08 Cawangan Tasek GelugorNo. 2640Taman Haji Ahmad JamilTasek Gelugor13100 Seberang Perai UtaraPulau PinangTel : 04-5735045 • Fax : 04-5735062 04-5734164

46 P09 Cawangan GelugorNo. 2480, Tingkat BawahJalan Sultan Azlan Shah11700 GelugorPulau PinangTel : 04-6588240 • Fax : 04-6588243

PERAK DARUL RIDZUAN

47 A01 Cawangan IpohNo. 23A, Medan Istana 3Bandar Ipoh Raya30000 IpohPerak Darul RidzuanTel : 05-255 3888 • Fax : 05-255 1462 05-242 1824 05-243 5201

48 A02 Cawangan Bandar Baru Sri ManjungNo. 2406, Taman Samudera32040 Sri ManjungPerak Darul RidzuanTel : 05-688 1186 • Fax : 05-688 7211 05-688 6211

49 A03 Cawangan TaipingNo 76, Tingkat 1&2, Darul TakafulPusat Perniagaan TaipingJalan Tupai, 34000 TaipingPerak Darul RidzuanTel : 05-807 9876 • Fax : 05-808 7588 05-807 6588 05-804 1782

50 A04 Cawangan Parit BuntarNo. 2, Tingkat 1, Jalan KelichapPekan Baru, 34200 Parit BuntarPerak Darul RidzuanTel : 05-716 1003 • Fax : 05-717 2733 05-717 2653

51 A05 Cawangan GrikLot. 105, Tingkat 1, Bangunan PKNPKJalan Tokong Datoh33300 GrikPerak Darul RidzuanTel : 05-791 1010 • Fax : 05-791 1260

52 A06 Cawangan Telok IntanLot. 51-1, Jalan Intan 2Bandar Baru36000 Telok IntanPerak Darul RidzuanTel : 05-622 7790 • Fax : 05-622 9311 05-622 6202

53 A07 Cawangan Kuala KangsarLot. 556, Tingkat 2Bangunan Tabung HajiJalan Daeng Selili33000 Kuala KangsarPerak Darul RidzuanTel : 05-777 3528 • Fax : 05-777 3529 05-777 5842

54 A08 Cawangan Slim RiverNo. 101-A, Rumah Kedai Mara35800 Slim RiverPerak Darul RidzuanTel : 05-459 5432 • Fax : 05-459 5439 05-452 7258

55 A09 Cawangan TapahLot 5990A, Tingkat 1Jalan Raja35000 TapahPerak Darul RidzuanTel : 05-401 7576 • Fax : 05-401 6588 05-401 5706



56 A10 Cawangan Tanjong MalimLot 427, No 35-1 Jalan Bunga AnggerikTaman Bunga Raya35900 Tanjung MalimPerak Darul RidzuanTel : 05-458 2115 • Fax : 05-458 2116 05-459 6896

57 A11 Cawangan Bagan SeraiNo. 110, Tingkat 1Jalan Besar34300 Bagan SeraiPerak Darul RidzuanTel : 05-721 9225 • Fax : 05-721 9226 05-721 4551

58 A12 Cawangan Bandar Seri IskandarNo. 8A, Jalan UtamaSeri Iskandar Utama32600 BotaPerak Darul RidzuanTel : 05-371 1178 • Fax : 05-371 1179

NEGERI SEMBILAN DARUL KHUSUS

59 N01 Cawangan SerembanDarul TakafulSuite 14-4Arab Malaysia Business CentreJalan Pasar, 70000 SerembanNegeri Sembilan Darul KhususTel : 06-7634604 • Fax : 06-7649528 06-7630369 06-7675306

60 N02 Cawangan Kuala PilahLot. 3803, Tingkat 2, Darul TakafulJalan Muar72000 Kuala PilahNegeri Sembilan Darul KhususTel : 06-4815562 • Fax : 06-4841096 06-4816348

61 N03 Cawangan Port DicksonNo. 320, Tingkat 1, Jalan Bandar71000 Port DicksonNegeri Sembilan Darul KhususTel : 06-647 1227 • Fax : 06-647 1211 06-647 0568

62 N04 Cawangan TampinLot. 40 & 41, Tingkat 1Jalan Besar Pulau Sebang73000 TampinNegeri Sembilan Darul KhususTel : 06-4412363 • Fax : 06-4419121 06-4419722

63 N05 Cawangan NilaiPT 4949, Tingkat 1Jalan TS 2/1ATaman Semarak, Fasa 271800 NilaiNegeri Sembilan Darul KhususTel : 06-7997043 • Fax : 06-7997093

64 N06 Cawangan GemasLot. 2292, Tingkat BawahPusat Dagangan GemasJalan Batu 674600 GemasNegeri Sembilan Darul KhususTel : 07-948 5811 • Fax : 07-948 4611

65 N07 Cawangan BahauNo. 19, Tingkat 1Jalan Mahligai72100 BahauNegeri Sembilan Darul KhususTel : 06-454 0796 • Fax : 06-454 0681

MELAKA BANDARAYA BERSEJARAH

66 M01 Cawangan MelakaNo. 559, Tingkat 2, Plaza MelakaJalan Hang Tuah75300 MelakaTel : 06-284 1633 • Fax: 06-282 6867 06-284 9633 06-292 2598

67 M02 Cawangan Masjid TanahSU 953 Jalan Bandar Baru 6Taman Bandar Baru Masjid Tanah78300 Masjid TanahMelakaTel : 06-384 7233 • Fax : 06-384 8533

68 M03 Cawangan JasinJA 6127, Tingkat BawahTaman Maju77000 JasinMelakaTel : 06-529 1067 • Fax : 06-529 8418

69 M04 Cawangan Melaka RayaNo. 95 G/7, Tingkat BawahJalan Melaka Raya24, Taman Melaka Raya75000 MelakaTel : 06-288 3054 • Fax : 06-288 1341



JOHOR DARUL TA’ZIM

70 J01 Cawangan Johor BahruNo.8, Aras 3, Menara PerisindJalan Bukit Timbalan80000 Johor BahruJohor Darul Ta’zimTel : 07-224 0369 • Fax : 07-224 2089 07-224 5426 07-226 4645

71 J02 Cawangan PontianNo. 52, Lot PTB 12821Jalan DelimaPusat Perdagangan Pontian82000 PontianJohor Darul Ta’zimTel : 07-687 0727 • Fax : 07-687 1381 07-687 1359

72 J03 Cawangan MuarNo. 5-4 Tingkat BawahJalan Ibrahim84000 MuarJohor Darul Ta’zimTel : 06 - 952 8808 • Fax : 06-953 1609 06 - 955 6206 06 - 952 2102

73 J04 Cawangan Batu PahatTingkat 2No. 46 & 47, Darul TakafulJalan Rahmat83000 Batu PahatJohor Darul Ta’zimTel : 07-434 8560 • Fax : 07-433 2729 07-432 5673

74 J05 Cawangan MersingNo. 39, Tingkat 1Jalan Wawasan 1Taman Wawasan86800 MersingJohor Darul Ta’zimTel : 07-799 1898 • Fax : 07-799 5152 07-799 7901

75 J06 Cawangan Kluang20, Tingkat 2, Darul TakafulJalan Haji Manan86000 KluangJohor Darul Ta’zimTel : 07-774 1053 • Fax : 07-776 8285 07-772 1757

76 J07 Cawangan Kota TinggiNo. 16, Tingkat 1, Darul TakafulJalan Ibrahim89100 Kota TinggiJohor Darul Ta’zimTel : 07-883 6369 • Fax: 07-883 4930

77 J08 Cawangan SegamatNo. 28A, Tingkat 1Jalan Buluh Kasap85000 SegamatJohor Darul Ta’zimTel : 07-932 2217 • Fax : 07-933 3046

78 J09 Cawangan Pasir GudangNo. 24, Tingkat BawahPusat Perdagangan Pasir GudangJalan Bandar81700 Pasir GudangJohor Darul Ta’zimTel : 07-252 0910 • Fax : 07-252 0919 07-252 1679

79 J10 Cawangan Parit Raja111B, Jalan Besar, Parit Raja86400 Batu PahatJohor Darul Ta’zimTel : 07-454 4797 • Fax : 07-454 1536 07-454 6672

80 J11 Cawangan Tampoi21-1, Tingkat Mezzanine, Jalan Padi RiaBandar Baru Uda81200 Tampoi, Johor BahruJohor Darul Ta’zimTel : 07-237 2211 • Fax : 07-237 8211 07-235 0172

81 J12 Cawangan TangkakNo. 19, Tingkat BawahTaman Mega Ria84900 TangkakJohor Darul Ta’zimTel : 06-978 7211 • Fax : 06-979 1211

82 J13 Cawangan KulaiNo. 5, Tingkat 2, Jalan AnggerikTaman Utama Kulai81000 KulaiJohor Darul Ta’zimTel : 07-6639510 • Fax : 07-6639420



PAHANG DARUL MAKMUR

83 C01 Cawangan KuantanDarul TakafulNo. 45, Tingkat 3Jalan Teluk Sisek25000 KuantanPahang Darul MakmurTel : 09-514 1799 • Fax : 09-513 1902 09-513 8980 09-513 0155

84 C02 Cawangan TemerlohNo. 27, Jalan Dato’ Bahaman 3Darul TakafulPusat Dagangan Temerloh28000 TemerlohPahang Darul MakmurTel : 09-296 5560 • Fax : 09-296 5417 09-296 2595

85 C03 Cawangan RaubNo. 41, Tingkat 1Jalan Datuk Abdullah27650 RaubPahang Darul MakmurTel : 09-355 5277 • Fax : 09-355 8699

86 C04 Cawangan Bandar Muadzam ShahMM 6, Tingkat 1, Medan Mewah26700 Bandar Muadzam ShahPahang Darul MakmurTel : 09-452 3689 • Fax : 09-452 5584

87 C05 Cawangan JerantutNo. 10, Tingkat 1Wisma Yayasan PahangJalan Dulang 127000 JerantutPahang Darul MakmurTel : 09-266 9814 • Fax : 09-266 9815

88 C06 Cawangan BentongNo. 104, Tingkat 1, Jalan Loke Yew28700 BentongPahang Darul MakmurTel : 09-223 2130 • Fax : 09-222 1348 09-223 3211

89 C07 Cawangan Kuala LipisNo. 5/D, Tingkat 1Jalan Pekeliling, 27200 Kuala LipisPahang Darul MakmurTel : 09-312 5410 • Fax : 09-312 5411

90 C08 Cawangan PekanTingkat 1, No. 44, Mezzanine FloorJalan Tengku Ariff Bendahara26600 PekanPahang Darul MakmurTel : 09-422 8896 • Fax : 09- 422 6952

91 C09 Cawangan JengkaNo. 21, Tingkat 1Lorong Mutiara 5, Nadi Kota26400 Bandar JengkaPahang Darul MakmurTel : 09-466 4892 • Fax : 09-466 4526

TERENGGANU DARUL IMAN

92 T01 Cawangan Kuala TerengganuLot 1129 & 1130, Tingkat 2 & 3Darul TakafulJalan Sultan Ismail Off Jalan Banggol20100 Kuala TerengganuTerengganu Darul ImanTel : 09-623 3211 • Fax : 09-623 9098 09-624 9486 09-622 3211

93 T02 Cawangan KemamanLot 2.07 & 2.08, Tingkat 2Wisma SerangkaiJalan Sulaimani, Cukai24000 KemamanTerengganu Darul ImanTel : 09-859 4796 • Fax : 09-858 3455 09-858 6878

94 T03 Cawangan JertehLot 318, Tingkat 1Jalan Tangki Air, Taman Jerteh22000 JertehTerengganu Darul ImanTel : 09-697 1989 • Fax : 09-6904529 09-6904571

95 T04 Cawangan DungunK-17, Tingkat BawahJalan Baru Pak Sabah23000 DungunTerengganu Darul ImanTel : 09-848 3022 • Fax : 09-845 8550 09-845 6871

96 T05 Cawangan Kuala BerangLot G269, Tingkat 1Bangunan Permint 321700 Kuala BerangTerengganu Darul ImanTel : 09-681 3278 • Fax : 09-681 7641



97 T06 Cawangan KertehLot 7155, Tingkat 1, Jalan Guntong 2Bandar Seri Kerteh24300 KertehTerengganu Darul ImanTel : 09-826 6926 • Fax : 09-826 6980

KELANTAN DARUL NAIM

98 D01 Cawangan Kota BharuLot 331 & 332, Tingkat BawahDarul TakafulJalan Sultan Yahya PetraWakaf Siku15200 Kota BharuKelantan Darul NaimTel : 09-744 7277 • Fax : 09-748 6864 09-747 8700 09-744 1408 09-743 9362

99 D02 Cawangan MachangLot 27, Tingkat 1Jalan Tanjung18500 MachangKelantan Darul NaimTel : 09-975 1789 • Fax : 09-975 7626 09-975 8553

100 D03 Cawangan Pasir MasLot 215, Tingkat 1Jalan Pasir Mas- Kota Bharu17000 Pasir MasKelantan Darul NaimTel : 09-790 2126 • Fax : 09-791 3541

101 D04 Cawangan Tanah MerahLot 41, Tingkat 1Jalan Tasek17500 Tanah MerahKelantan Darul NaimTel : 09-955 8919 • Fax : 09-955 2726

102 D05 Cawangan Gua MusangLot 4 & 5, Tingkat 1Bangunan Tabung Haji Gua Musang18300 Gua MusangKelantan Darul NaimTel : 09-912 4631 • Fax : 09-912 5861

103 D06 Cawangan Pasir PutehP7548, Tingkat 1Jalan Nara16800 Pasir PutehKelantan Darul NaimTel : 09-786 9582 • Fax : 09-786 9586 09-786 9295

104 D07 Cawangan Kuala KraiLot PT 4313, Tingkat AtasJalan Besar, Guchil Baru18000 Kuala KraiKelantan Darul NaimTel : 09-960 5051 • Fax : 09-960 6709

105 D08 Cawangan Rantau PanjangPT 188, Tingkat AtasJalan Besar Lubok Setul17200 Rantau PanjangKelantan Darul NaimTel : 09-9750066 • Faks : 09 - 9750663

SARAWAK

106 Q01 Cawangan KuchingLot 435, Tingkat 1 & 2, Darul TakafulBangunan TuankuHaji Mohammad Al-EdrusJalan Kulas, 93400 KuchingSarawakTel : 082-242 725 • Fax : 082-234 191 082-235 121 082-247 904 082-252 045

107 Q02 Cawangan BintuluNo. 112, Tingkat 1Taman Sri DagangJalan Abang Galau97000 BintuluSarawakTel : 086-339 863 • Fax : 086-334 498 086-312 643

108 Q03 Cawangan MiriLot 432, Tingkat 1Jalan Bendahara98000 MiriSarawakTel : 085-425 961 • Fax : 085-411 724 085-420 651

109 Q04 Cawangan SibuNo. 10H, Lot. 1735Tingkat 1Bangunan Koperasi SeduanJalan Kampong Datuk96000 SibuSarawakTel : 084-348 346 • Fax : 084-325 276 084-334 415



110 Q05 Cawangan MukahLot 508-8, Tingkat 1Mukah NewtownshipJalan Orang Kaya Setiaraja96400 MukahSarawakTel : 084-873 734 • Fax : 084-873 761

111 Q06 Cawangan SarikeiNo. 36, Tingkat 1Jalan Bank96100 SarikeiSarawakTel : 084-652 780 • Fax : 084-652 806

112 Q07 Cawangan Kota SamarahanLot. 6967Darul TakafulJalan Dato’ Mohd Musa94300 Kota SamarahanSarawakTel : 082-672 545 • Fax : 082-672 560

113 Q08 Cawangan LimbangLot 1285, Tingkat 1Bangunan LakilJalan Wong Tsap En98707 LimbangSarawakTel : 085-216 672 • Fax : 085-216 698

114 Q09 Cawangan Sri AmanLot 663, Tingkat 2Bangunan Lembaga Amanah KebajikanMasjid Besar Sri AmanJalan Hospital95000 Sri AmanSarawakTel : 083-325 073 • Fax : 083-325 087

SABAH

115 S01 Cawangan Kota KinabaluLot. A 202 & 203Tingkat 2, Blok AWisma MuisJalan Tengku Abdul RahmanPeti Surat 1640288850 Kota KinabaluSabahTel : 088-240 212 • Fax : 088-240 313 088-240 312

116 S02 Cawangan TawauNo 1 & 2 TB 4280 & 4287, Tingkat 2Jalan Masjid91000 TawauSabahTel : 089-776 510 • Fax : 089-756 697 089-770 960

117 S03 Cawangan LabuanLot 14, Tingkat 2Darul TakafulLazenda Commercial CentreJalan Okk Abdullah87007 Wilayah Persekutuan LabuanTel : 087-424 860 • Fax : 087-418 418

118 S04 Cawangan Lahad DatuNo. 55, Tingkat 2Darul TakafulBandar Wilayah91112 Lahad DatuSabahTel : 089-889 130 • Fax : 089-889 490

119 S05 Cawangan SandakanLot 1, Blok 12Tingkat 1Bandar Indah Sandakan88850 SandakanSabahTel : 089-227 916 • Fax : 089-227 792 089-224 846

120 S06 Cawangan BeaufortLot 3, Tingkat 1Cerah Commercial CenterPhase 289808 BeaufortSabahTel : 087-211 962 • Fax : 087-225 282 087-212 250

121 S07 Cawangan KeningauLot 10, Tingkat 1Padasa Commercial KomplexP.O. Box 70989008 KeningauSabahTel : 087-336 980 • Fax : 087-337 053 087-338 805



122 S08 Cawangan InanamLot 32-1, Blok AInanam Business Centre88450 InanamSabahTel : 088-438 507 • Fax : 088-437 534

123 S09 Cawangan Kota BeludBlock C, Lot 5Ground FloorYick Ming Commercial Centre89157 Kota BeludSabahTel : 088-969 781 • Fax : 088-969 517

124 S10 Cawangan RanauLot 7 Tingkat 1Blok T, Phase VIII Pekan Ranau89308 RanauSabahTel : 088-879 863 • Fax : 088-879 172

LAIN-LAIN

1 Bangunan SetorNo. 84, Batu 3 1/4Darul TakafulJalan GombakSetapak53000 Kuala LumpurTel : 03-4023 7009 • Fax : 03-4023 7026

SYARIKAT-SYARIKAT SUBSIDIARI

1 Asean Retakaful International (L) Ltd.(LL01129)Level 14, Blok 4Financial Park ComplexJalan Merdeka87000 Wilayah PersekutuanLabuanTel : 087-451301 • Fax : 087-451 300 : 087-451302

2 P.T. Syarikat Takaful IndonesiaGraha A, Graha Takaful IndonesiaJalan Mampang Prapatan RayaNo. 100 Jakarta12790 IndonesiaTel : 6221-799 1234 • Fax : 6221-7919 8877 6221-799 2345

3 P.T. Asuransi Takaful KeluargaGraha A, Graha Takaful IndonesiaJalan Mampang Prapatan RayaNo. 100 Jakarta12790 IndonesiaTel : 6221-799 1234 • Fax : 6221-7919 8877 6221-799 2345

4 P.T. Asuransi Takaful UmumGraha A, Graha Takaful IndonesiaJalan Mampang Prapatan RayaNo. 100 Jakarta12790 IndonesiaTel : 6221-799 1234 • Fax : 6221-7919 8877 6221-799 2345

SYARIKAT BERSEKUTU

1 Arabian Malaysian Takaful Co.Al Bazi StreetNorth Marriot HotelPalestine StreetP.O. Box 1013821433 JeddahTel : 9662-674 9266/166 • Fax : 9662-6749211

Saya / Kami / I / We .........................................................................................................................................................................

dari / of ..............................................................................................................................................................................................

sebagai Ahli / Ahli-Ahli Syarikat yang dinyatakan di atas dengan ini melantik

being a Member / Members of the abovenamed Company, hereby appoint

............................................................................................................................................................................................................

dari / of ..............................................................................................................................................................................................

atau jika beliau tidak dapat hadir / or failing him

dari / of ..............................................................................................................................................................................................

Pada / Dated this ........... haribulan / day of ........... 2006 ....................................................................................Tandatangan Pemegang Saham atau Cop Mohor

Signature of Shareholders or Common Seal

JUMLAH SAHAM /NO. OF SHARES

NO. RESOLUSI / RESOLUTION MENYOKONG/ MENENTANG/ FOR AGAINST

Menerima dan menimbang Penyata-Penyata Kewangan yang telah diaudit bagi tahun berakhir 30 Jun 2006, beserta Laporan-laporan Pengarah dan Juruaudit berkaitan dengannya.To receive and adopt the audited Financial Statements for the year ended 30 June 2006, together with the Directors’ and Auditors’ reports thereon.

Untuk meluluskan dividen bagi tahun berakhir 30 Jun 2006.To approve the dividend in respect of the year ended 30 June 2006.

Melantik semula Pengarah-Pengarah berikut:-To re-elect the following Directors :-

Y. Bhg. Dato’ Mohd. Fadzli b. Yusof

Tuan Haji Md. Azmi b. Abu Bakar

Y. Bhg. Tan Sri Dr. Hadenan b. A. Jalil

Y. Bhg. Dato’ Noorazman b. A. Aziz

Y. Bhg. Dato’ Alwi b. Muhamad

Encik Mohamed Hassan b. Md. Kamil

Untuk meluluskan bayaran yuran Pengarah-Pengarah.To approve the payment of the Directors’ fees.

Untuk meluluskan bayaran yuran Ahli-Ahli Badan Penasihat Syariah.To approve the Shariah Advisory Body Members’ fees.

Untuk melantik semula Juruaudit dan memberi kuasa kepada Pengarah-Pengarah menetapkan bayaran Juruaudit.To re-appoint Auditors and authorise the Directors to fi x their remuneration.

Meluluskan urusan khas menurut Seksyen 132D, Akta Syarikat 1965. To pass the special business pursuant to Section 132D, Companies Act 1965.

Cadangan pembaharuan Mandat Pemegang Saham bagi Urusniaga Berulang Dengan Pihak Berkaitan.Proposed renewal of Shareholders’ Mandate for Recurrent Related Party Transactions.

Sila tandakan dengan pangkah (X) di dalam ruang yang disediakan samada anda ingin mengundi untuk menyokong atau menentang resolusi-resolusi tersebut. Sekiranya tiada arahan-arahan tertentu, proksi anda akan mengundi atau tidak mengundi sepertimana yang dia/mereka anggap patut.Please indicate with a cross (X) in the space provided whether you wish your vote to be cast for or against the resolutions. In the absence of specifi c directions, your proxy will vote or abstain as he thinks fi t.

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Borang Proksi | Proxy Form

sebagai proksi saya / kami untuk mengundi bagi pihak saya / kami di MESYUARAT AGUNG TAHUNAN TAKAFUL MALAYSIA yang kedua puluh satu yang akan diadakan pada hari Rabu, 29 November 2006 jam 3:00 petang atau pada sebarang penangguhannya. Wakil saya/ kami akan mengundi seperti berikut:as my / our proxy to vote for me / us on my / our behalf at the twenty fi rst ANNUAL GENERAL MEETING OF TAKAFUL MALAYSIA to be held on Wednesday, 29 November 2006 at 3:00 p.m. or at any adjournment thereof. My/ Our proxy is to vote as indicated below:

Setiausaha Syarikat / The Company SecretarySYARIKAT TAKAFUL MALAYSIA BERHADTingkat 26, Blok AnnexDataran Kewangan Darul TakafulNo. 4, Jalan Sultan Sulaiman50000 Kuala Lumpur

Nota-Nota :1. Seorang ahli Syarikat ini yang berhak hadir dan mengundi dalam mesyuarat, berhak melantik seorang proksi untuk hadir

dan mengundi bagi pihaknya.2. Instrumen pelantikan proksi mestilah dibuat secara bertulis dan ditandatangani oleh pihak yang melantik. Jika pihak yang

melantik itu sebuah perbadanan, ianya hendaklah dibuat samada di bawah meteri atau ditandatangani oleh pegawai atau wakil yang diberi kuasa.

3. Semua borang proksi hendaklah dihantar kepada Pejabat Berdaftar Syarikat, di Tingkat 26, Blok Annex, Dataran Kewangan Darul Takaful, No. 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur tidak lewat dari empat puluh lapan (48) jam sebelum waktu yang ditetapkan bagi mengadakan mesyuarat atau sebarang penangguhannya.

4. Seorang proksi boleh mengundi sebagaimana yang ia fi kirkan sesuai melainkan terdapat arahan-arahan mengundi yang dinyatakan di ruangan-ruangan yang disediakan di atas.

Notes :1. A member of the Company entitled to attend and vote at the meeting may appoint a proxy or proxies to attend and vote

instead of him.2. The instrument appointing a proxy shall be in writing under the hand of the appointer or his attorney duly authorised in

writing or if the appointer is a corporation under seal or under the hand of an offi cer or attorney duly authorised.3. All proxy forms should be deposited at the Company’s Registered Offi ce, Tingkat 26, Blok Annex, Dataran Kewangan Darul

Takaful, No. 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur not less than forty-eight (48) hours before time fi xed for holding of the meeting or any adjournment thereof.

4. Unless voting instructions are indicated in the spaces provided above, the proxy may vote as he/she thinks.

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